Many institutions are scrambling to produce estimates of downturn LGD, but often resort to 'mapping' since downturn data is often lacking. Mapping is the process of guesstimating losses under a downturn by taking existing LGD and adding a supplement or buffer, which is supposed to represent a potential increase in LGD when a downturn occurs. LGD often decreases for some segments during a downturn since there is a relatively larger increase of defaults that result in higher cure-rates, often the result of temporary credit deterioration that disappears after the downturn period is over. Furthermore, LGD values decrease for defaulting financial institutions under economic downturns because governments and central banks often rescue these institutions in order to maintain financial stability.