Yes. Borrowers should be taking an inventory of their LIBOR exposure and developing a plan to mitigate contracts. While the ISDA IBOR Fallback Protocol is designed to provide a fallback should LIBOR cease to exist, borrowers should not rely on the protocol to amend their hedging agreements. Borrowers should be having conversations today with their advisors, lenders, and other stakeholders to ensure they are adequately prepared for the end of LIBOR.