What's really kicking a lot of our "main street" business is that they're more or less seasonal. We're very tourist heavy, so revenue spikes in better weather.

What's really kicking a lot of our "main street" business is that they're more or less seasonal. We're very tourist heavy, so revenue spikes in better weather. So they expect to have reserves for the winter, and this is almost perfectly timed to arrive just as they were expecting business to increase. They do prepare for lean times. And they've just had 5 months of lean times. This is not only the worst possible moment for this, it's also quickly writing off the summer season where they'd usually be expected to recoup. That is incredibly difficult to recoup. Small businesses simply don't have a 1-year "war chest".