Thank you for your question.
I have no specific data on the reaction of retailers to that program in particular. However, I can tell you that access to capital often depends on the field of expertise of the retailers or the industry of which they are part. Some retailers in some sectors have better chances to obtain funding. We have also observed funding trends at retail level. Currently, there is a lot of electronic commerce, so it is a little easier to obtain funding for e-commerce than it was before.
Although we have seen an increase in online purchases during the pandemic, we still foresee a return to brick-and-mortar businesses after the pandemic. So we must make sure that the retailers who have adopted an omnichannel strategy—meaning those that can provide both online and in-person services—have access to appropriate funding. That could be a helpful change to the program for small and medium-size businesses.