No problem. I think they're two pretty closely interrelated things.
Peter, a simple example would be a manufacturing company. Their clientele is not 1,000 buyers but five, six or seven buyers. A customer whom they've dealt with for years may have always paid on time, or on 30-day or 40-day terms, and may all of a sudden have a substantial crisis on their hands that trickles down from another customer that makes them unable to pay an account receivable. A company that may be profitable and making sales and have a good work force and be strategically critical to a region that's been impacted may, all of a sudden, end up facing insolvency simply because a customer is unable to pay.
Therefore, one of the core elements of what I put forward was the idea of setting up a factoring program. I specifically suggested using our 263 community futures officers around the country who are closely connected to the economic development areas and specifically know who the key operators are in their own markets, and working with them, having a pool of funds that's available for private investors to put forward to help with factoring.
Similarly, an awful lot of our professionals, like dentists for example, are dramatically affected by the crisis because a key part of their business is the dental hygiene area. If you really look at the details of what's being done to dental practices and what they have to spend to set up to handle the aerosols that come from spraying water in peoples' mouths, dental practices, I think, are going to be one of the areas that are worst hit because the costs are enormous, but people aren't really talking about them.