This is really good feedback. I feel like a lot of this goes down to the virtually unlimited uncertainty around when things will even start to return. I know t

This is really good feedback. I feel like a lot of this goes down to the virtually unlimited uncertainty around when things will even start to return. I know that I've seen businesses layoff much more quickly than they'd like just out of the fear of things dragging on for months. A personally guaranteed loan will carry similar risks.