"The first step is getting folks to say we no longer can just assume that what's worked for 200 years will work for another 10 or five or, you know, that we'll get through this," Fonfara said. "You're going to have a city go bankrupt and then you'll have others after that. Maybe not immediately, but it's inevitable as the cost to manage basic services and the ability to fund those get farther and farther apart."