At some point through the lockdown, the Government also came up with the suggestion to businesses to go to their banks and the offering of Government guarantee. At some point, when the businesses continued to be declined by the banks, the Government then went on to say that they were unhappy with the unsatisfactory performance of the banks, which then led to a Government loan programme of $10,000 for a business, which would be interest-free if paid in 12 months. Businesses continued to tell us, on the other hand, that taking on additional loans and taking on more debt that they knew they couldn't pay over 12 months was just not an option for them. Then, again, continued meetings with businesses, restaurants, medical practices, bakeries, small businesses employing maybe one to five people—the response that I have received personally has been that the wage subsidy, while it has been good for employees, has not been good for them. 