Yes, I think the research we cited, indeed, says that—that some of these businesses are not going to survive. Many indicated that they couldn't repay it within that period of time. That's if we take an individual operator perspective. These people were fighting for breath immediately. As soon as the pandemic came in, they were the first ones shut down, and they were shut down immediately. When you have no oxygen, you're trying to take every available breath that you can get. To be fair, these programs were needed and appreciated when they came in. They were lifelines that kept many people whole.
What that has done, though, is that it has compounded. We called it a bit of a snowplow effect. It just piled up, piled up and piled up. Now it's all become due. It's not structured in a way where it can help their cash flow. It's not that the businesses can't pay back that amount of money. It's just that it's very difficult to pay it back when it's not structured in a proper way.
Therefore, getting some relief on the timeline would be important. For some, if that debt could be stretched out over a longer period of time, it would help the individual operator. My concern with that is that, if operators are only just able to make their minimum commitments, we're going to see a decrease in quality because they're not reinvesting in their businesses. They're not able to hire more people. They're not able to make those [Technical difficulty—Editor] changes. They're not able to stay open those extra few weeks to stretch the season because the money is just not there.