It is a real mixed bag at this point. One of the challenges is that these programs are in their early days, their infancy, and so the banks are telling a lot of our members that we just need to sort of wait and see whether or not they will actually qualify. In addition to that, we're also hearing, unfortunately, that we're just not a priority sector, which is a real problem.
I would say the other issue is that we're also really risky. If I'm a bank, I'm not lending to the hotel industry or the tourism industry right now either, because when our revenue is down by 90%, we have virtually no cash coming in the door. We're not a good customer for the banks, and so one of our key recommendations was for the government to actually fully back any loan that would be provided to our sector to take out any of the risk factor that would cause the bank to be hesitant to provide a loan to us, to take out that hesitation altogether.
The other piece, again, is the priority access. The system is being just overrun, and we need to make sure that we get the money into the hands of the people who need it most. That's why we're recommending that the same criteria or something similar to what's being used in the wage subsidy program also be applied for access to liquidity. So we're not going to look at your account unless you've seen a 50% drop in revenue or something similar to that so that we can make sure we get the money into the hands of the right people. Even a few weeks or days is going to make all the difference in the world.