Thank you, Mr. Chair.
The segue was perfect for my question, because it's exactly to the point that was just being made, and I think it was by Mr. Kelly. I'm dealing with so many businesses locally, and it's the fixed costs and the cash flow that aren't addressed by wage subsidies. I'm wondering if he could speak further to this idea of getting money into the hands of small businesses, many of which—particularly, as you mentioned, in the hospitality industry, restaurant businesses—have been shut down by the pandemic, and wage subsidies just don't give them a lifeline. Neither does a $40,000 interest-free loan, because they fear that when the moment comes to pay it back, this lifeline will have just delayed their bankruptcy, as opposed to helping them avoid it.
Could you expand on those points and suggest—again, as you were doing—some specific measures that would be a real lifeline to these businesses?