Thank you very much for that and, more important than your testimony today, for your feedback as some of these policies have developed. I really appreciate hearing directly from representatives of the small business community.
Mr. Kelly, in the interest of getting money in the hands of individuals quickly, it seems we're fairly far down the path of the current program design of the wage subsidy. I'm wondering if you have any view on this.
If we work closely with the banks, which will see essentially a promise by the federal government to pay 75% for eligible businesses, do you think there might be an opportunity to lean on our major financial institutions, and perhaps credit unions as well, to front that money if they know that it's backed by a federal government commitment to make good on the 75% wage subsidy? An eligible business owner could walk into the bank and essentially have access to money tomorrow that would be returned by the federal government through that business once the wage subsidy payments are flowing.