<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>brianwawok</author><text>Many are offering loans of 10%+ APR. That is helpful, but maybe not a great situation for many people that have no savings to need the loan.</text><parent_chain><item><author>sremani</author><text>If you got to any bank website at least the ones I bank with, there is a flashing notice on the front page, if I were a federal worker who needs assistance due to shut down. I am sure, certain workers have easy ways than others but to say that at least some banks have not stepped up is incorrect.</text></item><item><author>wonderwonder</author><text>Bearing in mind that ~40% of american&amp;#x27;s could not come up with $400 to cover emergencies, this is going to become more prevalent in the next few days &amp;#x2F; weeks as people will simply not be able to afford gas to get to their unpaid work. I read an article today discussing how TSA workers in HI are living in their cars in the airport parking lot as they cannot afford to commute. The FBI just cancelled its internship program due to the shutdown.&lt;p&gt;An administration official recommended that all those affected simply take out loans but unfortunately banks don&amp;#x27;t lend to people without an income nor to those who have recent delinquencies on their credit due to no income.&lt;p&gt;I feel very bad for these real people being affected by political showmanship.</text></item></parent_chain></comment><story><title>US shutdown: Flight delays caused by staff shortages</title><url>https://www.bbc.com/news/world-us-canada-47006907</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>peteey</author><text>You are giving credit where it isn&amp;#x27;t due. Are these loans conditional on a good credit score?</text><parent_chain><item><author>sremani</author><text>If you got to any bank website at least the ones I bank with, there is a flashing notice on the front page, if I were a federal worker who needs assistance due to shut down. I am sure, certain workers have easy ways than others but to say that at least some banks have not stepped up is incorrect.</text></item><item><author>wonderwonder</author><text>Bearing in mind that ~40% of american&amp;#x27;s could not come up with $400 to cover emergencies, this is going to become more prevalent in the next few days &amp;#x2F; weeks as people will simply not be able to afford gas to get to their unpaid work. I read an article today discussing how TSA workers in HI are living in their cars in the airport parking lot as they cannot afford to commute. The FBI just cancelled its internship program due to the shutdown.&lt;p&gt;An administration official recommended that all those affected simply take out loans but unfortunately banks don&amp;#x27;t lend to people without an income nor to those who have recent delinquencies on their credit due to no income.&lt;p&gt;I feel very bad for these real people being affected by political showmanship.</text></item></parent_chain></comment><story><title>US shutdown: Flight delays caused by staff shortages</title><url>https://www.bbc.com/news/world-us-canada-47006907</url></story>