Madam Speaker, let us be clear.
Plan A: the business owner has the money, repays the CEBA and gets some loan forgiveness.
Plan B: the business owner has the capacity to take out a loan, repays the CEBA and gets some loan forgiveness.
Plan C: the business owner does not have the capacity to take out a loan, stays with us for another three years and has to pay the minimum, which is 5% interest, or $250 a month at most.
That is not going to bankrupt anyone.