Certainly, and I'll try to bring it back to the small and medium-sized enterprise and, usually, the multi-generational families who are running them.
Imagine you've done your best to produce a lot of goods according to a forecast provided to you by a retailer. You have a trade agreement in place that states how much you will deliver and when. Those are delivered. You're not in control of when the truck gets there because it's a third party that does that. Also, your slot time in the warehouse is not something you can control. Let's say that isn't perfectly aligned.
By the end of the time of delivery and the invoice that's provided, by the time that invoice is settled—usually with cash terms extending longer and longer as retailers prefer to hold on to the cash longer as part of their cash preservation strategy—you're not always sure of what that payment will look like. As a result, you can't count on your own cash flow planning and your own investment in your business to cover your expenses. You can't be certain that the $100, for example, that you've invoiced the retailer will be settled as $100. With all of those fees and fines and penalties eroding the settlement amount, you could be faced with 80¢ on that $1.00. That makes it very difficult for small players to play. That's the environment we are in.
Then if you layer on all of the other environmental and economic factors, and regulatory factors and taxes, and access to competitively priced inputs, it becomes incredibly difficult for producers to have any level of certainty in their business dealings. That's why we need the code.