 Hi, good afternoon everybody time Stewart here got my partner Liz Trotter. Hey Liz Got a very special guest with us today Joe Walthroom clean main at Portland main. Hey Joe and everybody and We were talking a little bit about Molly. So Molly's joining me here today as well. Say hello, Molly Molly is I guess she'll be eight weeks old here in a couple of days. She's almost eight weeks old. She's a Some type of labradoodle. I don't know. Anyway Joe let's just jump right into this thing a little bit. Well, you know, the obviously PPP is on top of everybody's mind There's some recent guidance has come out. There's So SBAs come out with some some some information I guess actually a kind of a form that one presumably be using to go through to figure out what the forgiveness part of the PPP is and You know, since we've been doing this over the last few months It seems like every time you think you know something you just find out of the change the next day So tell us will this PPP guidance be any different Joe? so For those of you that don't know the SBA finally on Friday released their long-awaited Guidance very specific guidance on how the forgiveness provisions of the PPP will work and guidance comes in the form of a Inactual form that you would fill out and this is from the SBA So that's what we've all been waiting for like tell us exactly how Forgiveness provisions are going to work and so we have that now And then of course as soon as it came out there were questions about The form itself, but this is the most specific information. We've gotten about how This loan is going to be forgiven now the development that happened yesterday is that they're more and more Senators and representatives are coming out publicly saying that they are going to be backing changes to the Law that created the PPP and not not just rules changes, but also changes to the law So it is looking more and more likely that the rules that were just released on Friday Will be obsolete within the next couple of weeks So I can get a little bit more specific about that in terms of so I live in Maine I live in Portland, Maine and One of our US senator Susan Collins was one of the four Senators that offered the original act that created the PPP She's also on the small business committee in the Senate I may not have the technical name right on that, but she's involved with the small business committee on the Senate and Along with Marco Rubio in Florida Co-authored the bill and they are both backing changes to the original bill This is very new before they were insisting that it was a huge success and that you know that they weren't going to be making any Changes so this is a shift that they are now backing changes in the bill and it's looking like two major things Most likely change and I want to emphasize this has not been changed yet, but It's looking more and more likely. There was a great piece in the Wall Street Journal yesterday That went into this in a little bit more detail But the two major things that it's looking like will change is the original eight-week period That was being considered The loan forgiveness would be extended to 16 weeks and It's also looking like they may be 75% rule so it's like that 75% of the loan has to be spent on payroll They may be relaxing those rules and these changes would come both in the form of rules changes which happen directly from the SBA and the Treasury and Also in the form of new legislation So the last thing I would add is that Marco Rubio said that the that their intent in the Senate is to get something past So that the first recipients of the PPP when their weeks come up the new rules are in effect before they're eight weeks So what that means is the first loans were distributed on April 6 I'm looking at my calendar to check my memory, but yes April 6 Which was a Monday and there eight weeks comes up Two weeks from today So that's a pretty tight timeline, but there's broad bipartisan support to make changes to the program All right, and within two weeks we should have Well, we'll probably have at least one change, but who knows how many more Within two weeks, right? Right, right, and it's we're entering in this phase again We're the changes that kind of slowed down for a while and or it seemed to be entering into a phase where I think there's going to be some More changes coming down the pike. So The way that I'm approaching it with my business. So for those of you that don't know that don't know me I own a residential cleaning company in Portland, Maine green clean, Maine, and we have Had 32 employees before the crisis and I've furloughed I furloughed all of them I was closed for six weeks and we reopened two weeks ago and we now have 18 employees and we're slowly rebuilding rebuilding the staff But in any event I Took the BPP loan and I have a plan on how to use it under the current rules So what what I've done is said how am I going to use it on the current rules? With the understanding that I don't need to get Super specific and concerned about it because it's probably going to change the way So that's kind of been my approach to it so far Any any word Joe on the June 30th FTE Timeline where you have to have this the correct number of FTE's on 30th before after Did you hear anything about that? So my understanding of the rules as they are written Is that that June 30th? They've given that a name now. It's called the safe harbor deadline and the employee safe harbor deadline says that if you restore your Pre-crisis headcount to the full amount of FTE's by June 30th that all of the forgiveness reduction provisions will be Removed from the loan so where that would apply is let's say you only brought back 20 of your 30 employees In your eight-week period if by June 30th You're back to your full 30 employees the whole loan will be forgiven or well the forgivable expenses will be fully forgiven I should say So that's my understanding of it. That's the understanding From my accountant, but as I've said on previous call here, I really encourage you to speak to your own accountant I know that Tom and Liz you have actually have an accountant coming on tomorrow to talk about the some of this stuff, right? Yes, Megan Megan likes has agreed to join us tomorrow. So Excellent. It's time, you know tomorrow will have another authoritative voice who's spent a whole lot of time studying this subject Yeah, I I think What's important to something else that I've learned about the PPE or about the PPP and how to use it is that? You know if you are Like reopening you can actually If you know you're gonna bring back a certain percentage of your staff like you have enough work to bring back a certain percentage of your staff You can calculate how much of the PPP you expect to get back and use some of that money How much of it you'll get forgiven and use some of that money to pay differentials? So we've been able to pay differentials to our staff that at least match what they were making on unemployment because if you're if you've had to lay people off Depending on what state you're in your employees Maybe make your most likely making more unemployment with the new federal company Then they were before they You know before you furloughed them So getting employees to come back can be can be problematic and you can use The forgiveness funds from the PPP to help finance differentials for employees So we've been able to do that and we're bringing back enough employees and we'll get enough forgiven that we're actually paying all of our employees Between nine hundred and eleven hundred dollars a week and we just set like a minimum a minimum salary for them for the week and We're using the PPP funds to cover that difference because obviously we couldn't afford to pay those kind of wages with the revenue That's coming in yeah, of course With some of the I guess possible changes that your your your senators are backing along with with other members in Congress Does that change the calculus any I mean the strategy made sense when you had an eight-week window if you had a 16-week window Do you do something different? I think that you It depends on what your approach was in the first place So if your approach in the first place was bring back as many people as possible I don't care if I'm paying them to you know shine shoes or clean the carpet or Whatever, you know, I'm just gonna pay them so I can get the full amount forgiven I think that you know if that's been your approach you might be able to change or soften that approach Although there it's questionable whether you'd be able to go back on that now that you brought everybody back on payroll. I Think if your approach has been like mine, which is to set the money Sort of mentally set it aside and operate as if I didn't have it and then just take whatever forgiveness I get if you have that approach and you're bringing back staff slowly it allows it takes the pressure off I think in your plan to try and bring back as many as possible in a shorter period of time as possible and does give you more Flexibility to bring back your staff more according to customer demand. So you'd bring them back You know when you have enough business to bring them back And it increased is the chances that you're gonna get more forgiven because now I have a 16 weeks to bring people back And I would presume that's why they're looking to make this change just to allow businesses to make economically rational decisions rather than just do drop it makes no I could know economic sense just play with them The world but don't make any sense but on the flip side of that if you have to if they're increasing the unemployment benefit and you have to You know fill that gap over a 16 week period instead of an eight week period PPP is going to really be Not enough money. Yeah Is there a chance they might give us more money I don't I don't know I saw that today Tom. I sent that to you. So there is an option out there to get more money based on the amount that you you The first time that you asked for you have that link I sent you Tom that info information If I could find it Yeah, there were a couple of different Ways that could happen If I can find it I also did want to talk about so they have a lot of these new safe harbor dates, right? one is expiring today the safe harbor for the repayment of The PPP where you can get it forgiveness for given as if you never received it is today If you change your mind and you want to go with the tax credit with the employee Yes, say it again Yeah, so that right I was just saying the employee retention tax credit is is what you're referring to right here So if you want to use that then you did today's the last day for that they extended it from Friday That's right Saturday, right? Yeah, it was from Friday. It was supposed to be Friday. They were supposed to be Thursday actually And they extended it to today Because if you take the PPP you can't use the employee retention tax credit It has been proposed To allow businesses to use both but that again is not anything that's been passed. It's a proposal that's floating around out there Yeah, I think the proposals are Causes more problems. All right. Let's see. Here we go pulling this out of My mastermind group, so give me just a second here Okay, so this was So the information and I can't read all this because it's coming from a you want to share your screen No This is coming from a protective source Okay, because come from the MMA groups But I can give this piece of information If you have owner compensation that was not included in your original application like K1 income line 14 a You may be able to request an additional distribution This amount would be up to the annualized hundred thousand dollar cap per person W2 wages both are subject to the cap This can only be done if the form 1052 has not been filed from your bank That means call right now if you're interested that form was originally due to Day form your bank to the SBA originally do oh That form was originally due today from your bank to the SBA, but was extended to the 22nd and It's not clear if it's for all owners or just partnership structures So if you apply for a PPP loan without including partner income or your K1 distribution, then you you might be able to get more money Especially since you only have four days to do that I think one of the big lessons that I've learned through This whole process so far has been the importance of having a good relationship with a local community bank because You know for those of you on the call who haven't been able to do that I Believe as a business owner, it's really important and I think smart business owners have a relationship with local community bank and by that I mean you have your larger national banks And even regional banks, you know your national banks like Bank of America and Wells Fargo Are two of the big ones that would come to mind But you know, I do my banking with a local community bank for their statewide in the state of Maine and they have a small presence in New Hampshire, which is the next state over and They have been tremendous to deal with And I haven't had any of the horror story experiences that I've heard others who maybe are dealing with larger banks would have So I would definitely just from business owner to business owner say if you can get a relationship with a local community bank That it's just an all like in a time like this It's been an invaluable relationship to have because I can literally call my banker now and Ask what you were just talking about Liz and he'll tell me what's what's going on And I get an immediate response because we have a personal relationship Bank of America and I've had the same look so just because Yeah, but I've been with this bank for 45 years So, I mean that's probably why I know the bankers have been you know my one contact I've been banking with for at least 20 years So I would say just because it's a large bank Don't think you can't call and talk to them. They're happy to go through all the The key part of that is having a relationship with a banker rather than an institution if you've got names and Relationships and a history and and a cell phone number Then you've got somebody that that that can can give you the inside skinny on the things that you need to know right one of the things that I read that I also ran by my banker that I really liked was All loans that were given all PPP loans that were less than two million dollars are Assumed to be accurate and so they are just being accepted as accurate And she she said that there's just a very small amount. They're going to be like spot auditing She said they don't expect it to be more than 1% of all of them that will have a spot audit If you're less than two million dollars That's awesome Yep Well, Joe, we appreciate you taking some time this afternoon and Welcome you to to go for the full ride here, but Joe has a previous engagement this afternoon that He's up against a stop. I don't know how much more time you have but I don't want you to Stay here I have to be I have to be getting ready to leave my office here in the next couple of minutes If there's any questions, I'm happy to help out I mean, I think the the takeaway and in what I'm happy to share in the call today is stay tuned for the PPP and As a business owner, I would you know have an idea of how you use the money with the current rules If you already have it but hang in there because most likely We're going to see rules changes come in the next couple of weeks and so But and I specifically mean before June 1st. So that's what that's what we're gonna keep an eye out for So stay tuned for more updates on that And it's good stuff. It'll be in our favor and actually it will be in our Tom, I don't know if we've shared this previously But a law firm in Boston published a really good Excel spreadsheet that helps business owners calculate their forgiveness percentage Would this something that we shared or did we decide that we we wanted to direct people to their own accountants or what was that? We've shared a couple of Resources like that. I know we may have shared that one. I know that Chad Henley joined us was it last week and Built a Similar tool, but but we've done that and it's all you know couched in the with the understanding that the definitive source is your CPA by This'll at least get you moving in the right direction. That's right. That's right. Okay. Yeah, because the the Source that I've been using to do with calculations is a really good job of kind of helping you understand how the forgiveness is gonna work so Well, send that over to us though. I will I'd be great. Yep Definitely One more thing that I wanted to not to hold you Joe Just one more thing that I wanted to bring up because I know that a lot of things are changing but there are some things that Like under the documents that each borrower must maintain even if we're not going to have to submit them I think we still should be Getting that stuff done talk to quite a few people that haven't even read about the schedule a worksheet and Haven't been filling it out. So, you know and that that's a heavier lift after the fact So making sure that everybody goes in and and fills in the stuff that they need to be filling in now Even if they are using a Spreadsheet to be able to track their own information is going to be really important too Yeah, yeah, you gotta track it even if we're not going to have to turn it in And they want us to track it their way so that they can talk to us in their language And they're very specific. Actually, that's one place. They're very specific that however you do it You have to use their language Yeah, okay You know some payroll providers are developing reports specifically for this and so it depends who you're using so Our payroll provider is developing a report that specifically follows the schedule a so you'll be able to just print it out But not all payroll companies will do that. So it's you know, definitely want to ask what kind of reporting from your payroll provider if you use one Be keeping track of it right now. Yeah, from The money in a separate account and write checks off it. That's not enough Yep Did I miss something what is schedule a Schedule a Joe you want to explain what that is schedule a is a form that the SBA released as part of the rules So Tom, did you put you posted those rules to the resources? Have we done that yet? it's the Forgiveness the loan forgiveness application. It's the loan forgiveness application. Yeah It's how they want you to keep track of your payroll expenses It's very specific. There you go. Look at that So Well, I Far down schedule a there you go those are instructions But I you know, it's it's it's a government form Okay, so it's not fun, but it's just one of those things. Yeah, I mean maybe for some people it's fun but I think for most people there's a fun activity but You need to as a business owner familiarize yourself with that you need to understand it I think I'm really surprised I do I do work with small business small businesses locally and I'm surprised at the number of people who haven't taken the time to familiarize themselves with that just in the current environment you as a business owner That's gonna help you make good decisions financially for your for your company right now. So Understanding these government forms like it or not. I think is going to be a reality for a lot of us for the foreseeable future So I think it's something that smart business owners will familiarize themselves with Or you have Doing it for you. Sorry Liz what No, I thought you were done Joe. I'm sorry. So you're saying our trust one or you have a very good trusted advisor That does that for you. I mean, that's another valid way to do it Which is why Tom is posting all of these links and all of these Resource for you guys to check out not because we're going through them In detail on these calls where we are answering a lot of questions or giving you guys much information as we know But the smart move Business moves again is to get in there and look at the information yourself and find out what makes sense for you and your company just like you heard the way Joe is Managing his PPP money is different than the way I'm handling mine is different than the way that Tom is handling this We all three have different strategies based on and Are the outcomes that we're looking for so you need to have your own strategy based on what you Outcome you're looking for but you can only get I would just add you can only get to that strategy with a thorough understanding of the rules and the structure of the program So that's why you just have to learn it I just think it's it's it can be it can really make a big difference in the amount of In how financially healthy your business will be this year So yeah, it was funny because we just had a meeting earlier today kind of running the numbers part of the guidance I guess that came out over the weekend was Giving us another option with our eight week window you could pull the window forward two weeks from the date that you got your funds So you can look at it both ways the way that we were looking at it for the last You know several weeks and the other option is take whatever date you got your funds and move Forward two weeks and then look at what your payroll dollars and your other expenses look like again For a lot of us who were shut down and starting back up It's easier to get to fall employment if you take advantage of that and pull your eight week window over two weeks however You know that's going to change again in the next two weeks Stay tuned stay tuned All right, well, I've got to hop off everybody. Thanks so much for having me today and Yep, bye. Bye. I noticed Allison's with us again today. Hey Allison. Good to see you Got a lot of the regulars on here today, too The need Audra Bruce. Yep It's less than I haven't seen Let's see was saying hi to Molly She's so cute. Oh, there she is. Yep. Ah Okay, so you guys have any questions. How are you guys doing with your PPP money? I've been having a lot of conversations with people Around their PPP money. Some people are struggling to figure out how they're going to spend it all Some people are going to run out early Some people are, you know tracking it and trying to hit it exactly right the thing that I keep reminding everybody is that all of this money whatever is forgiven even if you don't get 100% of it forgiven all Of it that you do get forgiven is free That money's free. So, you know only this much free money Is not a bad thing just because you didn't get this much money doesn't mean this bad. This is still free money So China to get like sucked into this thing. Oh, I'm not gonna be able to this is another word I can't get out my people ever the whatever the story is because that's not The thing you want to be careful about is I mean This the advice of doing bonuses and like the the COVID-19 bonuses stuff like that all that is Good strategy once you understand the numbers and understand the rules Gotta be careful to make sure that you've got that all planned out though if you're handing out bonuses and don't hit your numbers then Theoretically you could be spending money that you thought was going to be forgiven And then it's not and get yourself a little bit upside down And that money that you were collecting in your bank account So remember though that that money that you're collecting in your bank account now you're going to have to spend it So unless you're just not paying attention at all Like just going crazy and not looking at anything Chances are good. You're not going to completely mess yourself up But don't be don't so one of the things I heard somebody doing today was that they are just Matching the six hundred dollars a week for all of their employees so they can bring their employees back from furlough and give them all six hundred dollars a week Can you afford that because I cannot so I don't know if you can but I cannot afford to bring all of my people back Additional monies for the entire eight weeks if you can awesome more power to you But make sure that you know that don't don't be just thank you. Oh, I heard this that's easy Just because it's easy doesn't mean it's right and doesn't mean it's gonna work for you We'll probably get into it fun of this more with Megan tomorrow, but you know You want to make sure that Whatever the difference is between what monies you've got what PPP monies you've got and What's forgiven whatever that difference is you want to make sure you've got that money left over You know in the bank to pay it back You don't want to spend all your PPP monies and then Find out that you know that your calculation wasn't wasn't wasn't correct And it's not being forgiven and you don't have it anymore that would be bad and if you're not Cleaning if you're not bringing in revenue to pay those to pay those people that could happen Yeah, if you're playing bones with With the money and you got the same gross profit if you will then you're I mean your gold You've got nothing to worry about If you're paying bonuses that your business can't normally support and that's what you heard Joe say Joe's Joe's all over the numbers. He's you know, he knows what he's doing. He's working with his local bank He's working with his CPA He's confident that he knows what his forgiveness number is going to be then that works If you're spending money, that's not part of your normal Expense structure and then your numbers are off and the you know, SBA says they want all their their their PPP money back That could be a problem Yeah And so if and I've heard this happening with a lot of people they got their PPP money and They started paying their people a 40 hour wage, but they weren't actually working yet working at all So no revenue coming in a lot of money going out That's what we're talking about that you can get yourself into trouble if you're if you're not careful You have revenue coming in much less of a problem But again, get yourself one of these fancy fancy worksheets and start tracking your money Tracking how much you're spending tracking how much you have how much you have to spend that week. Oh See what is Deborah say? I also have a new hire if I'm going to run out early. Should I not claim her? Pay on the PPP. Okay. She so she says she's gonna run out of PPP money about a week early So you can you can claim everybody and all of the monies It's just how much it's gonna be forgiven Deborah. That's how that works this this kind of It's the same pay structure that you have under normal circumstances Just hire her and pay her and clean homes and generate revenue the PPP will take care of itself You know if you're doing something You know extraordinarily different thinking that I've got these PPP monies So I'm gonna come up with this new pay structure because of that Then that's where you might need to make sure that you know how many of your monies you've spent and you know You have the right ratios to payroll versus other expenses and can you do all the checks to make sure that? Nobody's you know pay has been diminished Beyond you know the 25% everybody's making at least you know 75% of these there's like a bunch of rules and We don't we have meetings at least one three just to go through and kind of check to see where we are and I'll make your head spin. You know, I'm pretty decent with numbers and I you know, I look at that and say this is just crazy. Oh And it's crazier Because we don't have all of the information yet. Although a lot more of it came out Still oh on Friday and over the weekend We have a spreadsheet to calculate math. Yes, Elisa. It is how have you put that link go up in this thread? Eloise and you'll find the link to it. It's modern cleaning calm forward slash coronavirus Yeah But yeah, we'll get you the link to all the resources here All right, and I just want to remind everybody that while you're doing this there are still a lot of people that are not Fully up and running you heard Joe say that they may be extending that eight week out to 16 weeks Think about that. How's that going to impact stuff? Yeah, good. Thanks, Tom. Oh, you're welcome. Oh, Lisa Going to impact What you're doing as far as some of the additional things that we were doing like I know that a lot of people were Putting their people through some extensive training Um Some people were hiring people on to their payroll that they normally wouldn't put on I did that So, you know, those are additional things that you need to be thinking about if you're going that money's gonna be Money if we'd have known that right at the beginning we may have made other decisions I would have Yeah, I promise you I would have Yeah, and there's there's some other Considerations to because if you are telling people So I'm thinking about the 1923 dollar a week number. I guess that's still gonna only be eight weeks. It's gonna try and stretch out to 16 You're gonna have to cut that 1923 in half as well right It's very Least you want to make sure that You're hiring people that are creating value for you either generating revenue or if you've got them You know building up your website or doing, you know, marketing plans or stuff like that. It would be Stuff that that you'd be doing Other anyway, if you had the money to do it now, you're just taking advantage of this as an opportunity I Have to grow your business Guaranteed you need to be doing things to grow your business the only thing that I have heard anybody not Giving credence to is the idea that you have people sit at home your employees sit at home and do absolutely nothing And you pay them. I have not heard any Anyone say yes, this is a good idea because there's always things that you could have them doing Better your business and to keep them into your workflow and keep them engaged in your company So that when it's over, it's not more painful for them also so I Have a question that came up today Tom, maybe you can help with so We had an employee and She She went she was furloughed and then While she was furloughed her child care. Oh, no while she was furloughed she was injured she got some stress fractures in her foot and now oh, she can't come back to work and So so what happens with her so we told her you need to come back to work We sent her out a letter saying hey, can you come back on such-and-such day at such-and-such day? And she said I can't because I'm injured Does she come off of unemployment now does she? What what do you think happens there? I don't know for sure Suspicion is She very well Could and since she's been furloughed she can't ask for sick leave or anything else And if you if you went that route then Based on the rules as they're written out for the PPP she would make your head count. What about her? Yeah, her She makes my head count look better whether she works for me or not right now as long as she gives me the letter saying that she can't but as far as for her what's best for her should I bring her back and then Have her go out Doesn't make sense, right? bring her back and have her request sick leave and You would pay her under the Cares act sick leave Component CRA and you would get that money back at the end of the quarter from your your payroll taxes But if she Bring her back and then she gets FFC RA. She goes against my FTE number doesn't she I think if she's getting FFC RA Can't go hit bow Maybe not my FTE number, but You can't double dip on the You can't come on the money side, but she does I think she does help you on the head count side Okay That might be the way to go then It's been really nice for her to be able to get unemployment in the federal Unemployment as well So I'm not sure that she'll be happy to be yanked off of that put on to FFC RA at 80% of her pay Which got Tom Here is not behaving right That's never a good thing Any questions Anybody else see anything interesting and the information that came out on over the weekends, which was Different right? We've had some like mellow weekends and then all of a sudden. Oh, wow, how many pages did we get this weekend? Have to sort through I guess it can't started on Friday, right? We got an update yesterday You guys are all on top of it. I'm like so impressed I didn't feel like I was on top of it I spent like two hours just reading and reading and reading only to find out from Joe That they're probably gonna change a bunch of this stuff anyway There's pretty epic piece and Forbes that came out the other day on Basically a deep dive into the PPP loan forgiveness application kind of a different perspective elaborating on the SBA form that we just looked at I just posted it here. I'm almost Relucted to share that now that we believe that these rules are gonna change again, but Probably doesn't hurt to at least know what we believe they are now Well, and my my banker did say one of the things that you really want to do is whatever decisions you make are Not they're not gonna go against you as long as you're documenting why you made them No, you made this decision based on this information and you're gonna be good to go Okay. Hello. I have a question a client texts me and I asked the side using the PP PPE How do we know we are not carrying the COVID-19 on our clothes? How would you respond? How do we know So we're not caring what the client wants to know how you know, you're not carrying it on your clothes You know the the COVID-19 class that that we Launched several weeks ago now. I guess that that's so many people taking, you know one of the things that we address and that is how this virus spreads and You can get it off a high-touch surfaces you can grab a door handle that's been infected and then touch your face The idea of It just like clinging to your clothes. I mean, it's not beyond the realm of possibility But for the for the most part that's not Haven't seen any research that that indicates that that's that's very probable or Very pervasive especially if you're just going through your normal day-to-day operations if you're Working and and a healthcare setting if you're working on a COVID-19 ward you'd have You know the proper, you know gowns and other other other other PPE It's primarily spread airborne. I guess other than the high-touch surfaces. I Don't know how you would answer that specifically though other than than shoe covers I guess or one thing that if you're using them you'd make sure that you aren't picking it off of You know some some floor some some some ground service and in carrying it into somebody's home even if you had it on your clothes as long as The people living in the homework coming up and rubbing their hands on your clothes, which I would Like it would Become airborne off of your your your your clothes again. I mean You're not taking your shirt off and shaking it in the house or anything And the amount if you did have have it on your clothes the amount that would like even if you were you know doing this and I could see the concern right I'm doing this and I'm I'm Maybe aerating whatever was on my shirt still the amount that you're going to be putting into the air is not enough to To be of concern I unless you have maybe 50 people on the house doing this But But the the answer is tricky I'm gonna give you that Kamalina the answer is tricky because it's kind it's to me. It's kind of like the question Oh, what is that? What is that funny? It's not funny, but so are you still beating your wife? You know that question well like But I but I never beat my wife No, because I never you know, it's it's an odd question because of When did you stop beating your wife? Yeah, that's what it is. When did you stop beating your wife? So your question is like that there The question is where the problem is the answer isn't the problem the question is the problem So, how do we know that you're not carrying the COVID-19 on your clothes? So I guess that probably what I would do is yeah, actually if you haven't taken the COVID-19 class You do need to take it because Tom, can you put that up there for me real quick? Because one of the things in that class is how long the virus remains viable on different surfaces and Material is one of them. So I might respond with something along the lines of Well, there's no guarantee that we are not carrying it on our clothing The virus is only viable on on this material and for this amount of time and part of what we are doing to We might even come up with something that you're doing to counteract that I Don't even know what that might be that I'll tell you the truth. I mean actually I would feel very safe just running a microfiber cloth on on my On my uniform and then putting that into the into a classic bag or dirty laundry and I would feel very Very safe Again that question is just a bad question. All right With that a modern cleaning click on more info and you know one of that one of the sections that we cover is you know How does the how does the virus spread? And well, and she did take the class maybe go into the class Carmelina and look and see if you can find something if the customer did hopefully they asked you in writing Because if they asked you in writing, I think it's an easier response because you can give a lot more information If they ask you in person, it's a tougher a tougher answer And this is a this is an article that we went over last week. Maybe maybe Friday post and This this the guy who does this put does this blog is really good But he talks about how how it spreads and basically it's droplets and the droplets have the the RNA in it And you need about a thousand droplets in order to become infected and There's a lot of different ways that you can get a thousand droplets But you know just walking by somebody in a grocery store isn't going to do it And even if somebody had it on their clothes as long as on their clothes, you're not inhaling it You're not getting it into your mouth or your eyes or your nose So that really isn't going to be an issue I'd be concerned about people's shoes because people shoes come in contact with your floors and that could be an issue And that's why we wear the shoe covers But if I have the virus say on my shirt or or my pants Unless I'm doing anything to aerosol that make that fry up It really isn't and it's moist and it's sticky and it typically takes a little bit We talk about that in the class when we're making beds I mean we showed the technique of taking dirty linens off But as a rule the belief is with with a reasonable amount of care It really isn't aerosoling and getting getting back into the air It's a novel virus there's not a ton of you know research speaking specifically to SARS-CoV-2 virus, so we don't know anything at a hundred percent level, but you know There's a lot of studies that that talk about and show and from all the tracing That they've been doing like over in Asia and other countries is that have the news to do that You know, I haven't seen one study that that would suggest that if if I have it on my clothes Then it's some way that I'm going to be infecting other people I think in some ways it could work to your advantage Conelina that she asked on your Facebook page because you're your opportunity to look like an expert Take that you actually know what you're talking about and to talk about how you're mitigating all the risks, etc I think it could work in your favor Talk about your training Watch out though Right now there are the people on the flip side that are like the CDC and the who are lying to you You know so you you might get some of those people that are going to respond that you know What your sheep for believing all this stuff, whatever? Just don't engage if you get hit up by somebody like that. I would say but use the opportunity to to talk about your training your expertise the Everything that you know You can just copy and paste out of the out of the test to Tom I think this actually do you have time what time is it to you? Yeah, you have time. Can you put up the? the PHC class to your professional house cleaner class you've probably taken this to Carmelina. I know This is also going to be a good place to be able to get some information about Actually, when is this next one going out Tom Wednesday? Thursday Thursday, okay, and we're going to be talking about well. Can you give a quick rundown on Thursday's info? It's gonna be just gonna be hygiene. It's gonna be cleaning for health. So it's gonna be touching up on It's gonna include a little bit of you know viruses and and You know how how they are spread and and the risk but it takes a more broader approach on pathogens in general germs if you will and Talks about bacteria and fungi and the various other things that that that we can make us get sick in the home and our roles and professional house cleaners in terms of how we keep ourselves safe how we Keep our clients safe and the and the best practices in terms of you know making sure that that we're doing those things so The whole chain of infection is much broader than just just just covid So this covers pretty much the full spectrum of anything that you're gonna run into as a professional house cleaner And that's the reason I was bringing it up Carmelina So you can hit the covid information specifically But then you can go broad and talk about these other things that are in many ways a much larger risk But have never really caused much of a problem because there's a lot of stuff They're kind of dangerous out there, right? but Those also have not been a big problem You wouldn't want to minimize That covid-19 of course to make it sound like oh, this is not a big deal But there are a lot of things that you are trained for and know how to manage and handle and that this is just one of them so Kind of giving the impression that you know what you're doing, and you know how to handle it is what I'm thinking Good to see it Katarina. Thank you Yeah Don't don't rewind too fast unless you want to hear about PPP money because that's what we're talking about until about 230 Or I guess 530 Eastern time You know Thing is you're right it that's not even the right question. I mean, you know the bigger risk is catching it for somebody who is Without symptoms and is shedding virus and if we're wearing a face mask that basically addresses that risk You know if you're not even you're not even gonna have it on your clothes How are you gonna get it on your clothes unless you're shedding on yourself in which case the face mask Would would still be preventing that yes, it's just a it's just a bad question. Yeah I don't like that question Let me give you a better one. Let me give you a better answer too. Yeah, it's just it's a tough question so Work I would if I would you come away I would I would not post directly on the Facebook if it was me. I would pull up a word document I would craft my response and then I would give it to somebody that I trusted and Ask them if it made them I would ask them this specific question If you read this would it make you feel like yeah, wow that company knows what they're talking about and If you're whoever you're trusted person is said, yeah, that totally does great then posted if they're like Well, you kind of sound like you were rambling or well You kind of sound like you're defensive any of those answers. We work it But but try to get an answer that Whoever reads the answer is gonna feel like wow, they really know what they're talking about and and that is what I would Think else you want to tell people about this PHC program Tom You've really talked about the price lately. Oh, what about the new platform? By the end of the month, we're going to be on a new Learning management system that's going to give cleaning business owners the ability to Log in themselves with as like like an administrator and you can enroll your your your own cleaning professionals And you can track their progress It's gonna it's gonna make it so much easier than the way that we do bulk Enrollment now and we're we're gonna have that done by the night this week But by the end of the next week, we're gonna have that out the class itself is Basically the program itself is seven classes the third when hygiene is going to be going out later this week and Four five six and seven are all gonna be coming out pop pop pop they're all going to be out by by the end of May and after taking seven classes there is a An exam you take at the end and you get a certification of completion After successfully completing another the entire program is written for Cleaning professionals people who are spending their day cleaning homes every day and we did this in a way to make it accessible to make it affordable. This is the information that You know cleaning professionals people are cleaning homes every day need in order to You know do their jobs well do it? Responsibly and understand why they're doing what it is that they're doing because without the why behind it It's hard to fully commit, you know and too often times the bottle will tell you this is what you do But if you really don't understand the why behind it There's a greater likelihood that you might not even pay attention you might just go ahead and do something else that seems to make sense just because Nobody's ever really explained the why behind it. So that's what this is. It's non-prescriptive. We use the analogy. It's like a driver's ed manual which applies regardless of what state you're in what city you're in country Urban area doesn't matter Which is different than your cleaning procedures in your specific company or just your your procedures within your own company Which is more like the owner's manual for a specific car So this will lay over top of any business model in the house cleaning industry and we're excited about it this is one of the most Awesome things that I think that that we ever engaged in and I think it's going to have a material impact on Making this a better industry for for all stakeholders for your clients for you as business owners and for the people who who work hard You know cleaning homes making it happen every day I also wanted to bring up One more thing so this manual that you may have seen before the professional house cleaning technicians manual widely accepted as an authoritative work For our industry is written by I don't think those names two of the names on there are Tom Stewart and Janice Stewart and Those are the two main people that are creating the content for For the program for the professional house cleaner program I don't know that there is there anything in here Tom that is not addressed in our program No nothing nothing that is particularly relevant to be honest with you Um When we wrote that book and put it together As much as we wrote it for at least the stated goal was to make it for our house cleaning professionals And it was that goal and it's good for our clean professionals to get there's a lot of stuff in there that that's more written for business owners or at least some and Basically, it's kind of anything else you do when you after you you know You get a chance to do it a few times you figure out better ways of doing it So the material the way that we're delivering at this time I think is a much better fit in terms of not Being able to do it online being able to do it in small part just the way the information is presented. This is is as better suited for Your your cleaning professionals that the folks are definitely more absorbable More absorbable people are going to walk away remembering the information in the PhD program where this stuff was a little bit difficult a little bit a little bit difficult to To absorb. Okay. Hey Tom. I just realized we're out of time. We have one minute left If you guys have any questions, hold them until tomorrow when we'll be on again Did they already have somebody? Yes, we're bringing Megan likes on tomorrow If you all don't know who let Megan likes is be on tomorrow I Promise you you will love her. She is a delight She will answer all of our questions and she is just a font of knowledge You are gonna love tomorrow's program Megan rock. I'm sure you tell your Everybody knows that Megan is going to be joining us tomorrow and Certainly hope to see you guys here at five o'clock eastern tomorrow. See you then