Perhaps I can answer that.
The wide-ranging effect would be that it would affect a lot more companies, because small and medium-sized companies generally borrow by what we call margined operating lines of credit. Generally speaking, there's a formula; in other words, a bank or a lender will provide 75% of accounts receivable, plus 50% of finished goods inventory, less priorities.
Right now we can define what the severance and pay is under WEPPA, the Wage Earner Protection Program Act: it's $2,000 per employee. That comes right off the top. Very simply, if you have a company that has 200 employees, at $2,000 per employee that's $400,000 of lesser availability that they would have on their line of credit.
If the total amount of severance—and it could be up to 42 weeks—becomes a priority, I would think it would constrain credit greatly and might even take away availability of credit.