They are not useful at all. The AAFC programs are just loans to us. All they're trying to do is lend us money we shouldn't have to be borrowing and then charging us interest.
In our case, I was better off to go to the bank and get a loan. These programs are absolutely no good for us. We don't need a loan; we need money to pay our expenses. We're borrowing money to put out for nothing. These loans are a dead loss.