30-days or more delinquent, up from last month. Those seriously delinquent (meaning 90 days or more delinquent), remained at 12%. Homes in foreclosure dropped from 0.4% to 0.3%...but you won't see the longer term effects until later as that 3.6% spike I mentioned earlier, in 30-days or more will likely translate to more 90 day delinquencies. The foreclosure drop is likely due to forbearance, which has been giving people a lifeline and lets hope this lifeline does not turn into as they say, kicking the can down the road.