Sure. Thank you for the question.
The bulk of the financial support is through a couple of different programs. I'm sure this committee knows this well. I'm not telling anybody what they don't know. We have CEBA loans and the wage subsidy. Those are the two big ones for business supports. Then, of course, we had CERB, which is now the recovery benefit, focused more on individuals, although that does address self-employed individuals as well.
Originally the eligibility was very much focused on employers, so traditional-style businesses that employ employees. It is a great design because it is quick to apply, with a very straightforward document showing what your payroll costs were as an employer in the past year. The problem is that if you are not an employer or if you employ a few people and your main source of labour is through independent contractors or you are an independent contractor yourself, CEBA is off the table and the wage subsidy doesn't apply.