We hope that you are managing the COVID-19 pandemic both personally and in your business. The pandemic has had an obvious impact on the public and private capital markets. With cases on the rise and speculation of a second wave in the colder months, increased volatility in the capital markets may be forthcoming. You may be experiencing pressure as well from the current market environment and prolonged government mandated restrictions. The current political and economic environment, coupled with historically low interest rates, may be the necessary catalysts to reassess your own capital structure.