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The problem with this and the federal PPP II funding is that the threshold of 30% and 25%, respectively, is an onerous task. Many small businesses have posted losses for 2020 but not to this level. There is a economic cascade effect that occurs in these institutions. They may be doing everything possible to break even and the continual affect of the pandemic will cause these institutions future harm. The funding should be across the board to provide for the overall health of the small businesses in the US.