Thank you, Wayne.
I'm going to put my first question or opportunity to comment here to Mr. Wood.
As a committee, we have heard some tremendously distressing stories from a variety of individual small businesses, including today at this meeting. Mr. Wood, you commented a bit about what it is to be a small business owner who has to sign personal guarantees on long-term leases. The bank requires personal guarantees any time you borrow money. There are no social supports, and all kinds of things that go along with employment income don't apply to the self-employed. Can you comment on what the small business community is going through now in experiencing these catastrophic collapses in revenue and how this really works with a family whose income is rooted in small business?