Yes, there are a few things from us on that front, in addition to supporting all of the things that Susanna just mentioned.
Dividends are featuring very heavily. I'm besieged with calls from business owners who have paid themselves with dividends. They have very few staff, or they contract out work, as in the case of a construction company. They're ineligible for the Canada emergency business account. That is a government policy, I believe, and something that needs to be fixed.
I also suggest that banks should be asked to add $5,000 to the Canada emergency business account. With the federal government contributing $10,000 that's forgivable, the bank could be asked to contribute $5,000, and the provinces should be asked to contribute some money to that as well. I think it would be a terrific vehicle for them and it would help.
I believe banks should also do two other things. They should automatically increase the lines of credit of the businesses that already have them. That would be very helpful.
Finally, just as a completely different proposal, Visa and Mastercard have increased the limits for tap transactions from $100 to $250, but the holdback to that is that the banks that issue the card need to make that happen. Otherwise, Visa's and Mastercard's efforts are not going to accomplish anything. Also, Interac needs to do the same thing. Given that there are large grocery [Inaudible—Editor] right now, if everybody could tap their card at the counter when they're buying their groceries, you're going to have a lot fewer fingers on keypads. That would be a measure to protect people against COVID. Raising those tap limits to $250 would be a very, very helpful thing for many small firms, and of course for the public.