It is ongoing, and your question is, do people understand that? I suppose that I can't speak fully to what other people are feeling, but I don't get the impression that people are understanding that.
I get the comment quite frequently that I got a $40,000 loan and if I pay it back in time I get $10,000 free and it's interest-free until that point and whatever, but people don't recognize that it was already a fairly lean business before COVID-19 struck, and now I have to cash-flow that. At some point along the way, I have to figure out how to find more cash flow in my month, on top of the already tight business that I run, to come up with that over the next couple of years, which means that other debt servicing and other projects are going to be put on hold until after that.
Yes, right now, for our borrowing and whatnot, I'm looking at about a seven-year payback. That's if we go back to our pre-COVID numbers today, and I just don't believe that we're going to do that, because I don't believe the confidence is there right now in the public.