Given the current market condition of higher interest rates and higher inflation rates, how have the following underwriting multipliers and ratios likely shifted (up or down) for office properties compared to what was likely used by investors and lenders last year.

1. Loan to Value Ratios

2. Debt Service Coverage Ratios

3. Discount Rates

4. Default Ratio

5. Operating Expense Ratios

6. Capitalization Rates