This hasn't happened to me, but I can say that there is so much speculation and so many falsehoods about rules going forward and what to apply for and how the government will help, it is hard to stay afloat. Many of the resources are not unlimited and following this $2trillion bailout and the house vote is taking much of my time. Plus if she has children distance learning requirements are a burden that most people didn't expect. There is so much going on right now that assuming the worst is a reasonable course of action but there is so much out there anyhow to keep up with just in terms of "normal" activity.