Firstly, on the geographic component, businesses definitely were impacted, based on the lockdowns wherever they tended to live, and definitely in some communities in community-owned businesses where communities had actually stopped off their border from coming and going. The Six Nations in particular definitely saw a significant loss with their businesses, They would normally have had people coming into the community to purchase at businesses. This was also a key area because it is typically on-reserve businesses that do not have a CRA business registration number, and those privately owned businesses on a reserve definitely were unable to access a significant amount of that funding.
Then, we also see, from a finance perspective, that more rural or remote businesses don't have a traditional lending bank branch there, or they don't have a specific branch that they work with. At the very beginning of the pandemic, we saw a lot of those branches actually shut down. We saw a lot of cash flow issues specifically in remote communities, where there just wasn't cash in the machines for people to get money out to be able to purchase from businesses, because that was a restriction at the very beginning of COVID as well.
We definitely see from a financial perspective that it does impact geographically.