Thanks again to our witnesses.
I wanted to follow up on the comments by Mr. Lefebvre and ask Mr. Staniloff and Ms. Dennis the same question on interest rates. They haven't calmed down from our big banks. We're seeing mortgage deferrals, but they come with interest, penalties and all sorts of fees. All this does for restaurant owners is basically increase the pain by increasing the debt load.
Should the federal government be exercising the powers that it has to push the banks—and they've admitted they'll follow the law if the government does use the tools—to reduce these interest rates and reduce the interchange fees so that we have that shared sacrifice and restaurants don't go under because the banking industry isn't willing to play its part?