Below is the text version of the September 29, 2021, Resources to Fight a Housing Insecurity Crisis Webinar.

SHANELL BLUNT: Hello, everyone and thank you for joining us on today's webinar titled, Resources to Fight a Housing Insecurity Crisis. Today's presenters are, Beverly Yang, Older Americans Policy Analyst and Kristin Wong, Financial Analyst in CFPB Markets. Bev, I’ll hand it over to you.

BEVERLY YANG: Thank you, Shanell. It’s a privilege to speak to you today about housing resources and protections. Thank you for the critical resources you provide to older adults and people with disabilities across the nation. Here is what we will cover today. First, we will look at these populations and the protections that are available now. I will talk about renters and resources for them, and Kristin will talk about homeowners, landlords and their protections. Second, we will talk about what you can do to help families in your community get information they need to stay housed and finally, we will take questions. Next slide. 

My remarks today are my own. They do not represent the opinions or views of the Bureau at large. Also, there is a great deal to learn and understand about the housing insecurity crisis, it's underpinnings and solutions. Today's webinar is a brief overview for frontline providers like you because you are a critical connection between people seeking help and the information they need. 

Okay, let's talk about housing insecurity at large. It is a critical challenge. As I am sure you are aware, the CDC moratorium has ended as the result of a Supreme Court decision. Some protections remain. Meanwhile, many federal deadlines to request forbearance have been extended. There are around 8 million families at risk of eviction or foreclosure and black and Hispanic households are more than twice as likely to say they have fallen behind on rent or mortgage payments. Roughly 7 million rental households have fallen behind on rent and to keep these people in stable housing, we need to ensure that anyone seeking help knows where to find it. Next slide. 

Let's look at differential impacts. The housing insecurity crisis is affecting different populations differently. These numbers come from the nationally representative U.S. Census household pulse survey. On the very left, you will see a cluster of bars that represent the share of renters. These are broken up by race or ethnicity. In pink, you will see that 22% of black renters have reported that they are behind on rent compared to around 11% of white renters. That is the brown bar. The middle group is homeowners behind on mortgage payments. 

Here, you can see the differential impact is even more pronounced. The percentage of black homeowners behind on mortgage payments is around 11% or 9% of Hispanic homeowners and just 3% of white homeowners report falling behind. On the right, you have the share of all households who are behind on housing payments. In this composite, you can see that whether they are renters or homeowners, housing instability affects a much larger portion of people of color and that difference is exponential, 200, 300, 400% of the proportion of white people who are facing housing instability, no matter how you slice the cake. These numbers are quite alarming, and the responses are supported by considerable research on who works in labor markets most affected by COVID and who is most likely to be evicted, all things being equal. 

From the household pulse survey, we can also see that around 1.9 million renters 55 and older report they are behind on rent, and eviction is somewhat or very likely in the next two months and around 2 million of these homeowners report that they are behind on mortgage payments but also around a quarter of these older homeowners report that foreclosure is likely are very likely. [Correction: there are 1.9 renters 55 and older who report being behind on rent, with eviction likely in the next two months. Around 2 million of these homeowners report that they are behind on mortgage payments and around 450,000 homeowners 55 and older say they may have to leave their home due to foreclosure in the next two months.] Next slide. 

So, what is the answer? This is where you come in. There are protections and resources, but most of them involve a lot of steps. Those steps can be complicated, and yet millions of people in the information about health and how to access it. 

We have collaborated with other federal agencies to create a governmentwide housing portal with help for homeowners and renters in plain language.  But relatively, few people know about the CFPB – you’re among the select few. That is why we need your help to promote these resources. To those of you watching a recording of this webinar, you can find these resources if you search for ‘CFPB help for renters,’ or ‘CFPB help for homeowners.’ Next slide. 

Let's talk about what we know about renters around the U.S. Next slide. 

There are many factors that affect housing instability. That involves both demographics and what you've seen before moratoriums or state and local protections for eviction as well as the emergency rental assistance being distributed by local programs around the country. Next slide.

Renters are over a third of the U.S. population. A small proportion of white people rent compared to people of color. That trend has been increasing over the last 15 years. In pink, you can see the proportion of renters from each population in 2019. And in blue, you can see where we were in 2004. It should come as no surprise that low-income households are also most likely to rent. Next slide.

With nearly 70% of people of low-income renting compared to 23% of people with high incomes. It is also worth noting that high income earners are an increasing share of the market, and affordable housing is giving way to high-end in many places. So next, let's look at more underlying demographics. 

This slide is from a recent report by the U.S. Government accountability office that relies on the American community survey and HUD. Renters are on average older than they were before. The late middle age group, 50 to 64, experienced the largest estimated increase in the number of renter households - an increase of around 4 million - and accounted for more than half of the total increase in households from 2001 to 2017. Many of these households have not recovered from the financial crisis and this group has lower incomes and higher rentership rates than previous generations. 

Next, let's look at cost rental households. This is a slide from the National Low Income Housing Coalition  and Justice and Aging. A higher proportion of older renters experience cost burdens as they age, with 57% of renters aged 75 and older experiencing cost burdens compared to 53% of renters 62 and older. Older renters may have exhausted retirement savings or spending more in medical expenses, be more likely to be living alone and bearing the entire rental burden themselves. Older renters also tend to have lower incomes than those of the general population. When I talk about cost burden versus severely cost burden, we are talking about people who pay more than 30% of their income for rent and utilities, versus more severely cost-burdenened households: those whose rent and utility costs exceed 50%. Next slide, please. 

So, how many renters are behind on rent and facing eviction during COVID? These statistics again come from the household pulse survey. They represent the share of renters reporting they are behind on rent on the left. Or on the right, they expect to be evicted in the next two months of those who are already behind. As you can see, people who identified as Black, Hispanic or Latino were most likely to respond that they were behind on rent, or  be evicted. These numbers are really alarming. Again, the responses, although subjective, are supported by considerable research. Next, we will look at the risk of eviction across states and territories. Next slide. 

You can see here that the differential impact also varies by geography with Idaho, North Dakota, Tennessee, industry Indiana, and Oklahoma having the highest percentages of renters reporting that their households not current on rent and reporting that eviction is somewhat or very likely in the next few months. So, what help is available? Let's look at the next slide for a quick overview of federal emergency rental assistance. 

The government is distributing billions of dollars in two phases, E.R.A. 1 and E.R.A. 2. Funds are distributed by local programs who have a relatively large amount of leeway to determine their own policies and procedures, and you can see that the money can be used for unpaid rent and utilities primarily, but there is also leeway to cover future rent, moving costs, and other housing expenses, including services to help people stay housed. 

Finally, the payments usually have been going directly to landlords and utility companies under E.R.A. 1 but under the next round of funding, but they can also go to people directly, even if their landlord refuses to participate. Next slide, please. 

Some challenges and misunderstandings that are standing in the way of E.R.A. distribution are, of course, that people are unaware of it. One way that people can find their local program is our rental assistance finder, which we will talk about next. There is also a lot of doubt among both renters and landlords about whether they are eligible, what they will need to show, and whether it is all worth the trouble. Finally, many renters, will most renters will need some help from their landlords to apply. That is also standing in the way, especially if landlords aren't aware that they need to be involved in the process. Next slide, please. 

Let's look at the rental assistance finder developed in collaboration with Treasury, the National Low-Income Housing Coalition and other federal agencies.  This is also available in Spanish. You can find it at consumerfinance.gov/renthelp. And you can also find the Spanish version at consumerfinance.gov/ayudarenta. 

Also on the housing portal, we also have information about protections for certain federal subsidized housing, federal laws against housing discrimination, state and local tenant protections and eviction, and what to do if you are facing eviction. Next slide. 

When using the rental assistance finder, you can choose your state and county. If there is a statewide program or just a few programs, you may not need to choose your county, you will just have a listing of programs available in your state. We encourage you to check it out. Next slide, please. 

So, there are also lots of important questions that people have about federal rental assistance, and we do our best to answer those on the federal housing portal and you can find that also at consumerfinance.gov/renthelp. With that, I will turn things over to Kristin. 

KRISTIN WONG: All right, thank you so much, Bev. My name is Kristin Wong, and I am on our Mortgage Markets team. Today, I will talk a little about all the resources that are out there specifically for homeowners. That same disclaimer that Bev said earlier also applies to me. Please keep that in mind as I go through these slides. 

On to the next slide. At first, I just want to talk about housing and resources for renters, also really important for some homeowners, and particularly our small landlords. We are talking about small landlords; we are talking about homeowners that own fewer than 10 rental units. Not your big property management companies. It could be somebody in a duplex or a retired couple. It could be someone who their main source of income. There is just a lot of small landlords out there. They own just more than half of all rental units in the U.S. It is a huge chunk with all of the units that are out there. Something really important to note about small landlords is they will be more vulnerable to rental shortfalls than a larger company. They don't have a big balance sheet backing them up. That is what I really want to talk about this graph. This graph comes from a survey that was done by Avail which is a DIY platform for landlords in collaboration with urban Institute. Since it is a DIY platform, it will naturally just meet your small landlords. I think it really just challenges people's idea of what a landlord is. You will see that a good portion of landlords have incomes below $75,000. They may owe only one property and may also have a mortgage on that property. Also, what was interesting from this chart, you will see the more financially vulnerable landlords are Black and Hispanic. If you are looking at this issue from a lens of racial equity, you will see how addressing landlords' needs is also one small part of the racial inequities in housing management system. On to our next slide. 

So, unsurprisingly, we have seen that small landlords have been struggling during the pandemic. This chart is also from a survey from Avail. We know they asked landlords what are some policies and courses of actions that helped them during COVID-19. Over a third mentioned pulling from savings. 14% mentioned from credit cards and some mention taking out loans or getting cash from friends and families. So, definitely signs of distress there. Next slide.

So, what can we do? First, landlords should know that they can apply for rental assistance. Last May, Avail found through their survey, found that 40% of independent landlords did not know about federal rental assistance, which is a lot. I was just talking about making sure we are getting that information out there. 

Some important tips for landlords to know first, again just kind of repeating what has been said, tenants may need your help to apply. It is important when that line of communication is there. Another important tip, if your tenants are eligible, you are eligible. It is not surprising if someone is a landlord. They are thinking, I am not really doing that badly right now. But if your tenant is unable to pay for their rent, you will be hit. You are experiencing a financial hit. Also, we know that the big property management companies will be applying for this type of assistance. It is important that the small guys are doing it too. Just important people know that you are eligible for this type of assistance. 

The next tip I want to talk about is rental assistance can cover up to 18 months of rent. Just kind of getting at the point where some eligibility requirements for rental assistance at face value might make the program seem less attractive to landlords, so they might have to take a haircut on the amount of missed rent and raise some fees. It is really important to show people that there are more effective options out there then say an eviction or home sale. A lot of owners do really like their tenants and want to help them out. This is a way they can keep their tenant and also recoup some of their losses.

Finally, there is still time to apply once they need help. We mentioned like $46.5 billion allocated for this and a lot of that is still out there. It is important that people make sure they take advantage of it. On to our next slide, please.

So, I talked about our housing portal. There are so many resources dedicated specifically towards landlords. It talks about rental assistance, also kind of going back to our rental assistance finder, setting up a payment agreement with your tenants. Finding another way that you and your tenant can come to some sort of agreement about rent and also mortgage relief. That is what I am going to talk about next. It applies to all homeowners. That will be on our next slide. 

So, there are three major protections that are available for homeowners with foreign mortgages. The first one is forbearance. This one is a temporary pause or reduction of the mortgage amount. This is where the most amount of people will have the opportunity right now to take action to protect themselves, so we will spend a good amount of time talking about that. 

Two other big protections out there, there are foreclosure protections. We know up until July 31st, there was a federal foreclosure moratorium on all federally back loans. That moratorium has ended, but you know there are still protections out there. You can basically establish temporary safeguards to help ensure you have a meaningful opportunity to be reviewed for loss mitigation before a foreclosure begins. That is basically making sure it is not just like, you are behind. There is many different repayment plans or repayment options. Take care of your forbearance that will lead you to the path of success with your mortgage later on. This is a temporary period that is open through the end of the year. 

And then, there is also the Homeowner Assistance Fund, where Congress authorized nearly $10 billion for mortgage payments, homeowners’ insurance, utility payments, and other purposes.  This program is not fully off the ground, but it is a thing I wanted to make sure people have their eyes out for. On to our next slide. 

Here is where we will really dig in on forbearance. A borrower still can request a hardship forbearance. These are still available to take advantage of. If you have experienced any hardship during the coronavirus pandemic. If you have a loan that was covered by the C.A.R.E.S. Act, GSA loan, FHA, USDA/VA loan, you don't need to show any proof to get a forbearance. Just say, hey, I have some sort of COVID hardship, and your lender has to provide you with forbearance. Forbearance isn't automatic. You do have to ask for it. As mentioned, most mortgages are eligible. We have our GSE and government-backed loans. Even if you don't have one of those, many private non-government-backed loans still qualify for forbearance. Many services are still offering some sort of program. It may not be exactly the same as the COVID programs, but there is some sort of help out there, generally. 

An initial forbearance plan will typically last three to six months, and you can ask for extensions. How much time you get will depend on when you start your forbearance. If you started your forbearance in like March of last year, it might look a little different from if you start your forbearance just now. To our next slide, please. 

So, you know one thing, and service providers to really look out for, it a significant number of borrowers will exit forbearance this fall. It is all happening really right about now. This is basically that initial cohort that started forbearance at the beginning of the pandemic in March and April. Those have reached their 18-month limits of forbearance. That is why we are seeing a large wave of people utilizing forbearance now. 

The good news is that there are many options when people are exiting forbearance. Let's say you deferred your loans payments for 10 months and you had $10,000 mortgage payment. Generally, you will not be required to pay that $10,000 right when you begin your mortgage payments. That would be a little bit crazy. I think servicers understand that. There are other options out there. There is a deferral or partial claim where you can put that $10,000 at the end of your loan and pay that when you refinance or sell your home. There is a loan modification. That is if you are post pandemic, not making as much as you did before the pandemic and you are able to work with your servicer to lower monthly payments. Now you would pay $900 a month instead of $1,000. There is also a repayment plan. That is where you were actually able to pay a little more each month. Instead of paying $1,000 this month, you pay $1,100 until you have paid off that's a differed amount. In general, we have seen that reinstatement and payment plans are generally rare. If you see someone and that is their only option, that is definitely something that should perk your ears up. 

Some other resources that are out there are for borrowers. Therea re HUD approved housing counseling agencies. If someone is looking for additional help – that is someone to reach out to and this help is free. Remind borrowers that you do not have to pay anyone to help your avoid foreclosure. And anytime there is distress or someone going through hard times. You’ll see lots of bad actors and scams come out of the woodwork. Help is free. Don’t pay anyone you don’t know when there are these free HUD-approved housing counselors out there. Next slide please.

So, as a recap, some common misconceptions about forbearance. First, forbearance ends with a lump sum payment. As I mentioned, we have those payment deferral options, payment plans, and loan modifications – so that shouldn’t be an option. Next, we have my servicer will be hard to reach and will ask for proof. Ask for proof – if you have a federally backed loan, you won’t have to show proof of hardship. In terms of having to be hard to reach – this was the case in the beginning of the pandemic because of crazy wait times to reach their servicer. But we were all pretty surprised by the pandemic, but at this point, mortgage services see the same data that we do, and they know when people are coming, and that people need help right now. So, you should be able to reach your servicers. And finally, I can’t afford to get help. Again, we have our HUD-approved housing counselors that work with those borrowers requesting forbearance. One final misconception is that there is shame surrounded with getting forbearance. When we talk with borrowers, we’ve seen similar themes of you know of asking for help. It is really important to note that millions of people have gotten forbearance at this point. People are definitely not alone in getting forbearance. Really, no one could have predicted a pandemic of this proportion. There is really nothing wrong with getting help. It is there because is important people have this help and they are able to use it. On to our next slide, please. 

I also wanted to talk about reverse mortgages. Protections exist for homeowners with Home Equity Conversion Mortgages. They work a little bit differently than a forward mortgage. You are not making monthly payments, but there are certain things you do need to do to keep your loan in good standing and basically preventing your lender or servicer from calling your loan due and payable, basically when they ask you to pay back any equity expected from your home. 

You need to make sure you are keeping up with taxes, insurance, keep your property up and making sure it is up-to-date and also you need to be living in your home. Of course, during the pandemic, there are reasons why these things may be hard to do. Sometimes, if you are facing trouble, you can delay calling your loan repayable up to six months with an additional six-month extension if needed. If you ask for your extension earlier in the pandemic, you can also get additional time, but the point is you will be able to ask for a little bit of time before foreclosure begins. 

There was a foreclosure moratorium that went through July 31st and ended. If you have reached the end of your extensions and are still having trouble with sate property taxes or insurance, you can reach out to your servicer. You are actually encouraged to reach out to your servicer to see if there is some sort of repayment plan you can work out. 

There are repayment plan options available, and servicers and lenders want to provide these, but you do need to reach out to your lender or servicer to get everything planned. The big picture here is making sure you are staying in contact with your servicer. Once you don't do that is one scary thing can potentially happen. That applies to both reverse mortgages and forward home mortgages. Next slide. 
So, as we have information for renters, landlords, we also have information for homeowners. On our housing portal, basically the same kind of stuff we talked about just now, so learning about what forbearance is, how it works, what are your options for extending forbearance, how you might be able to exit your forbearance, just how you can find out what type of loan you have, how you can request forbearance and all of this information is in plain language. You don't have to know all about mortgages to understand, especially for someone coming to this information fresh. I really suggest people with questions check out our event site. On to our next slide. 

Then, here we have videos in case you are just not into reading all of the text, if you are more of a visual learner and like your videos. We also have some videos that talk about how do you do forbearance, a little bit more detail on the steps to ask for forbearance. Those are in English and Spanish. And Bev mentioned having general information that is written. We have information in Chinese, Vietnamese, Korean, Thai, and Arabic. Tons of information there. Really suggest people check it out. With that, I will pass it on to Bev. 

BEVERLY YANG: Thank you, Kristin. That is such critical information. We realize that is a lot to digest and share. Just a reminder you can access these resources online. Just search ‘CFPB help for homeowners’ or ‘CFPB help for renters.’ 

Now to talk about our housing insecurity media toolkit. You can use our toolkit, which has emails, social media posts, videos, social media images – all with simple graphics and a call to action that points to our housing hub, and we have information for both homeowners and renters in there. Please share them with older consumers and give us feedback on what we can do better. We appreciate it very much. 

Finally, I would like to make a plug for our consumer response function, a.k.a. submit a complaint. As front-line service providers, you can encourage the people you serve to submit a complaint if a debt collector is using an unfair practice when collecting a debt. Federal law says that collectors can't use unfair or deceptive practices to collect the debt. This means they may be breaking federal law if they harass you or your clients or make false or misleading statements to collect rental debt. Your complaints give us insight into problems they are experiencing to help us regulate consumer financial products and services, enforce the federal consumer financial laws and educate and empower consumers to make informed decisions. You can submit a complaint at consumerfinance.gov\complaint. Now, I will turn things back over to Shanell. 

SHANELL BLUNT: Great! Thank you so much Bev and Kristin. We do have a few questions. This one says, it's things like the first one, sorry, there seems to be a disconnect between this information for homeowners and renters. How do you suggest we get this information into people's hands? 

BEVERLY YANG: I will take this one. That is so true. Our Social Media Toolkit is a start because it has these emails and templates, flyers and videos that you can share, you can use to share the word in your own communities. We also have launched a campaign to share these resources through public service announcements and in collaboration with HUD, Catholic charities, United Way, HHS and administration in our community and many others, we have provided housing counselors, social service agencies, operators and others who HHS and administration in our community and many others, we have provided housing counselors, social service agencies, operators and others who serve the agents and disability communities with resources. Kristin, is there anything you wanted to add? 

KRISTIN WONG: I think that was a great overview. I would say for homeowners, it is also just really important that they are reaching out to servicers and lenders. They are also just trying to get information out to people, the borrowers. Just the main thing that people should take away today is that it is really important that people are communicating with their servicer. 

SHANELL BLUNT: Great, thank you. Another question about whether there will be a recording of this webinar and will slides be sent out? We will not be sending out any of the slides. If you do want a copy of the slides, you can email us at olderamericans@CFPB.gov. The webinar will be posted in our webinar archive. 

I think there was one more question on eviction moratoriums that was about the eviction moratoriums keep changing all the time. The question is, is there a website that has the most up-to-date information? 

BEVERLY YANG: Great question again. We have published a list of states providing eviction protections and expiration dates for those protections. That list can be found on our housing hub as well. Again, search for CFPB help for renters and navigate to what to do if you are facing eviction to see that list. For more local protections, you can also visit nolo.com. It is not the only source for this information, and we can vouch for the accuracy of other information on other websites, but it is one source for that information too. 

SHANELL BLUNT: Great. Thank you so much. Another question, are these resources provided to unemployment offices and homeless shelters? I know logistics may be a bit difficult. 

BEVERLY YANG: Good point. We have been collaborating with Health and Human Services to get these resources out to local providers such as community health centers. HUD has also been spreading the word and making these resources available to counselors. There is more that can be done, I am sure. If you can share this information with people in your community, you are connecting them with the resources they need. As I have mentioned before, we have also been promoting this information through other partners at Treasury, Catholic charities, United Way, and other organizations that work directly with landlords. 

SHANELL BLUNT: Great, thanks again, Bev. Kristin, I think this next question is for you. If a borrower initially took advantage of a plan due to COVID and started paying back, but then had another COVID related hardship later, if they requested and are able to obtain another forbearance claim, is the lender still required to report on their credit report that the loan is in good standing or forbearance? I hope that was clear. 

KRISTIN WONG: Sure, yes, I can tackle this. So, if a borrower was in forbearance and maybe they only did a couple of months of forbearance and they exited forbearance and reached another hardship, you will definitely be able to restart. The only limit on your time of forbearance is your maximum number of forbearances that is available to you. 

If you had a little break in between your two bouts of forbearance and you saw that as you are coming up on your next month, you were facing some sort of hardship and wanted to go back to forbearance and you don't miss any payments, they are required to still report that the loan is in good standing. In between your bouts of forbearance, if you miss a payment, they would have to report that you had that missed payments. It really depends on how behind you are, but standing you are before you answer forbearance, whether that is a restart or your initial forbearance. 

SHANELL BLUNT: Okay, thank you, Kristin. Here's another one, our rent help program funding is lagging about 60 to 90 days behind. Do you know of a good contact to move this program forward? 

BEVERLY YANG: I can take this one. Since this is a new federal program and local program delivery has in most cases been built from scratch, has built a suite of tools and research to encourage best practices. To find that, you can search for treasury promising practices for E.R.A. programs. The federal E.R.A. program, as I mentioned before, is administered by treasury and we can also pass information to treasury. You can also use the email address, IGA@CFPB.gov to send program information in the rental assistance finder. I hope that helps. 

SHANELL BLUNT: Okay. There are no more questions at the moment. I think there was one more question to ask. What is the easiest way to locate a housing counselor? 

KRISTIN WONG: Yeah, I can talk about that. On our website, we actually have a little tool, so you can navigate to it. You can go through our housing portal, or I will just kind of call it out, hopefully that is helpful, consumerfinance.gov/find-a-housing-counselor. You can also Google find a housing counselor CFPB and hopefully it will take you to the tool. 

SHANELL BLUNT: Great advice. Is there a minimum amount of rent the person must pay before they can seek rental assistance? 

BEVERLY YANG: Another great question. The short answer is no. To back up, treasury has been giving local programs guidance on how to use E.R.A funds. The funding comes from two different laws. They are distributed in two rounds. The guidance is different for each round. I refer to them as E.R.A. 1 and E.R.A. 2. Under E.R.A. 1 guidance, treasurer allows local programs to help with future rent, as long as they help with any back rent. Under E.R.A. 2, local programs can help with future programs as long as the obligation is there. For instance, you may be able to show new signed lease in order to show that obligation and they can agree to pay future rent to ensure housing stability. They can also help with short-term stays at a motel or hotel, moving costs and security deposits and future rent. Finally, programs can also provide payments that encourage landlords to rent to people and families they might not otherwise rent to, whether because of the rent that they owe, past evictions or credit history. 

SHANELL BLUNT: Great, thanks, Bev. It appears that VA loans are not eligible for adding the amount owed to the balance and repay when the loan is due at maturity, refinanced or sold. Can you elaborate on this? 

KRISTIN WONG: Yeah, I can take that. Generally, if you have a VA loan, you should be eligible to get this type of forbearance as an option, a partial claim, or you can put whatever deferred payments at the end of your loan. I will say that every person's case is unique, an individual's case, it might be that they are not able to get a partial claim. At this point it is definitely helpful to have people reach out to a housing counselor to get more information on how to navigate that. 

SHANELL BLUNT: Great, thank you, Kristin. It seems like that is it for all of the questions. Thank you for answering all of those great questions. If you enjoyed the webinar, please join us again Wednesday, October 27th at 3:00 p.m. for a webinar on preventing elder abuse, help for long-term care communities. 

Thank you to our presenters, Beverly Yang and Kristin Wong. This is much needed information and hopefully it will be of good use to you and the people you serve in your communities. Thank you to everyone who attended today's webinar. We look forward to seeing you again. Thanks, and have a great day.