Thanks for the insight, but you missed my point---this "deferral" opportunity, was only because of the Cares Act, and has never been a part of the SE process---such a large change should have been an "option" to apply, not a default---where on the "client letter" does it state that the client is ALSO responsible for the deferral amount?---that would have immediately clued me in of the change and an opportunity to correct it.