Excuse our absence. I have updated the recorded webinar on the TDR Tool Kit page. There has been updated content in the more recent webinars. We presented added case studies for workout scenarios on the loan modifications that fall into the "insignificant" category according the FASB regulations that may not need to be allocated as a Troubled Debt Restructure (TDR). It has been a benefit for those in Collections. If a borrower misses a payment, you can easily calculate a higher payment for say, 2,3 or maybe 5 months to catch up and get back on track. Go to the Tool Kit page and click on the link to watch the recorded webinar. Email me at mmollica@TimeValue.com with any questions. Thanks for viewing.