[bombcar]

And commercial loans are VERY dependent on "building income" which is calculated based on lease rates, even if not "leased" in some cases.

Lowering rates can cause loan problems.

[asdfasgasdgasdg]

Makes a body wonder why buildings don't just sell their ground floor real estate to get it off the books. There must be some reason, otherwise they would, but it seems like a neat solution to the problem.