Like I posted below, 40% of SOFTBK's debt is in USD and they have been doing most of their larger issuance in USD recently. Bloomberg is showing that they have a weighted average coupon of 4.4% so they're not exactly paying 0%. Additionally, most of their debt is front loaded with a weighted average maturity of 2025. None of this points to them having a lot of time to sort things out or room for error.