Most definitely, clubs would not be closing or in dire financial need if funds had been able to be accessed earlier. We did look into various programs ourselves, and because of our heavy volunteer presence, we couldn't meet the payroll requirements for the CEBA or anything such as that. It wasn't really our intention to have to take on debt, but we would be willing to do it to get through this crisis.
It's impossible for anybody to have realized last fall that we'd be in the situation that we're in now. As such, in the fall, we have to look at our balance and we're only allowed to carry over enough funds as a not-for-profit to see us through to get started in the new year. Obviously, we doled out a lot of money to different groups in October, November and December to make sure that we met the requirements of the not-for-profit act.