 Hello everybody. Andrew Maeski here with Dental L. So I want to talk to you guys a little bit about some of the things that we might be able to get back from the government. Now this is specific to Canada and I need to say I'm not an accountant. I don't work for the CRA. I am no expert by any means. I'm just simply telling you guys what I've been doing, what I've been looking into and as I said things that I've been looking into that might be able to help somebody who's in the position such as myself where I don't qualify for unemployment because I work for myself. So if you are an independent dental hygiene owner you in some cases haven't qualified for unemployment. If you pay into it then you would as far as I understand but that's not something that I have done because I do have I tutor as well. So I would never qualify for unemployment because I can always work at some point right. But clearly not being able to work in my dental hygiene practice that's a lot of income that I'm not making. Even I'm tutoring but obviously that big source of income has now been lost. So I have been looking into all of the different insurance packages that I have. Just in case you're curious I've had disability insurance probably since I was a dental assistant. So it's been about 15 years now so I have that. I have a clinical insurance for my office here for my home office because patients come to my home. So if anything ever happens to my home office, happens to my equipment, happens to a patient knock on wood. I have coverage for that. I do also have coverage with the CDHO and the OD or sorry the CDHO and the CDHA. I do pay more to have the extra coverage. But those are more for if the patient complains about you know something right or it does have a lot of it involved but I'm just sort of giving you guys like in a nutshell. Plus I also have insurance because I go to patient homes to clean their teeth. So what I want you guys to look up is there's something called office interruption insurance. That means that if your office is shut down or you can't work in your office for a reason you might have some coverage for that. But the kicker is it depends if you had signed up for if the office is shut down due to the coronavirus due to this pandemic that's happening. So if you don't have that specific insurance or if it happened to do to a pandemic then you might not be covered but it's something you want to ask about. If you don't ask the the company won't pay you okay. Insurance companies loved for you to not ask to not apply to not do anything. Ask them it can't hurt. So good luck you guys let me know that's what I plan to be doing but there's also something being offered by the government that's available April 6th I believe. Again this is for Canada where a small business owner you can get up to $2,000 a month while you're not working but there's also another thing where they will give you $40,000 for a loan. Interest free to my understanding but don't quote me on that I have to look into it further and $10,000 of that they say you might not have to pay back. So even if for some reason you don't qualify for that $2,000 a month payment you might qualify for that loan portion. So what you could do is put that money in your account and just leave it there and then obviously pay it all back but you could have that $10,000 because they're not they may not want you need you to pay that back so it's kind of like they're giving you $10,000 you know again you guys please I'm not an expert this is just me as if I'm talking to somebody who just came to my house and we're just kind of talking about insurance and things that we might be able to get so please I am not an expert ask your accountant but these are definitely things that I'm looking into because every little bit would help right now so I thought if I'm having these questions there's probably other independent dental hygienists out there like me who are wondering the same thing that don't qualify for unemployment insurance or just you know other things that they might not qualify so let me know you guys if you have questions but I'm not an expert so it's probably better to ask your accountant that's what I plan to do I plan to talk to them come April time and thank you guys so much for watching and I'll see you very soon