We tend to work in a highly constructive manner with borrowers. This includes accommodating certain requests if, and only if, the borrower is performing in accordance with the loan documents. If a borrower is late on payments, we proceed with enforcement action at the earliest possible date and enforce late charges and default provisions. We are exceedingly proactive with our borrowers to ensure payments are made in a timely manner. However, as with any lender, we occasionally experience payment delays and defaults.