 Hi, Tom Stewart here with cleaning business today. I'm with my partner Liz Trotter. Hello, Liz And it's Friday afternoon Friday afternoon of what seems to be a fairly long week it's kind of weird that I Don't think I've been in the office this week So you think you really wouldn't feel like it you've worked a whole lot It's almost like taking a week off in some regards, you know You think but I'm much tighter Hey, Rosemary. Hi Rosemary. How are you? Happy Friday. Happy Friday to you, too So You know, we've been pretty much on a daily basis We say like a week's worth of stuff happens in a In a day and I don't really think that this This day is a is a whole lot different than the others I Think that when we had this call yesterday at least The the the story was the official story was that we would it's going to be able to apply for the PPP loans starting this morning, although we had Some good information that we shared that a lot of big banks said that they wouldn't be ready and Wake up this morning and sure enough the big banks. No banks were really really ready for that. They some banks are taking the application information, but I'll talk to to a friend of mine who like is an executive for for one of the larger banks and He said that the portal that the banks enter that information into isn't even up yet And they're being told it's going to be up and available by Monday So any information that any of us are giving to our banks, they'll take it but they're really just kind of sitting on it at the moment because There's no no way to to enter that into the Sorry Tom, I do this every time when I try to get up the page on my phone Is that me? That's you. I'd like to have it on my phone so that I can respond to people a little bit of a delay Yeah, there is this a delay on the Visuals too, so I can't look at the phone and I get really confused Especially it's been a really long week Well, I love that Rosemary says she's getting lots done. That's awesome Rosemary. Good for you I know a lot of people right now just sort of spinning. I'm not getting a lot done And so that's great that you're What are you getting done? See and hi Rena. Good to see you That's Sarah is In the background there. Hey Linda. Oh, I didn't see Linda earlier. There she is. Yeah So Tom, did you get any information on? Telling it like it is around that 600 bucks Yeah, there's several I mean numerous websites and treatments and You know pretty much pretty much the consensus from everything that we've been finding all suggests that $600 is on top of other benefit one that they're getting from the state and I mean a number of them explicitly say in some cases they're gonna be getting more money than what they would have been getting at They were working their job The $600 is the way the law is written now is scheduled to go away But yeah, I guess based on the best information we have that's the that's the plan To our knowledge funds are going out yet so You know a lot of a lot of the stuff a lot of the stuff is Changing and evolving so I Guess it behooves is to go ahead and work on in the assumption that that's that's the way that's going to be handled that The unemployment is going to be 600 is going to be above and beyond whatever the normal state would be well, it makes sense to go with that because Anything any decisions we make with that we can always back off of and not getting trouble But if we plan on not having that then we might make completely different decisions. There will be weaker Yep Changes changes things for sure though Does everybody have the application information from the SBA I mean there's a couple of forms that You're gonna need to to complete for that We can go ahead and put those Up on our website up on cleaning booths today, I guess I'm like you're busy Rosemary. Good job Sarah, don't worry. You're right. Next week's a new weekend. I'm hearing that from a lot of people We bridge it Oh you guys have a form it looks like this or see this if you're you're thinking about doing the the PPP It's fairly straightforward. You need a couple of numbers your Average monthly payroll times to times a number of jobs and down here. It shows you How how you want to want to do that calculation? Answer a few questions And there's a couple pieces of supporting Documentation that go in the instructions. Well, I'll post all of this on our resource page on Cleaning business today on the front of our dash downloads page if you don't have it Um, I had some people asking me a couple of questions Tom I didn't know if you would have the answer, but I said I will pass them on um One is do you have any ideas around who might not get approved for these loans? We've been talking about them as if everybody's going to get them But if that was true, then there wouldn't be an approval process, right? It would just be an application Right Have you thought about that? Do you have any information? there's criteria for for all of the programs I guess from a from a loan perspective at a high level you've got the Disaster loan which is kind of bundled with the White yesterday and the days before was called as the $10,000 Grant now they've changed it to calling it the emergency loan I thought they were calling it advanced. That's not an advanced anymore. It's uh I thought it was the advanced on that loan Loan advanced if you click on it They're not calling it grants anymore Yeah, so now it's just a disaster a loan advanced like it's an advanced on a loan as opposed to a grant The loan advance will not have to be repaid Okay, so You know It looks like it's still going to be a grant, but it's interesting because it said grants Yesterday, right so you get in here to the to the eligibility for this And this is this is for the emergency disaster relief and the $10,000 now advance I guess Um, but but but help overcome the program small businesses less than 500 employees. I think that pretty much fits everybody on this call um Certain industries with more than 500 Um, but we're under five so we're good there So it looks like at that criteria is fairly Not as manageable That is there's nothing that's going to disqualify anybody. I had somebody um, the person I was talking to that was asking me about this And what if I am routinely struggling in my business and you know bouncing checks and that kind of stuff Will I be eligible? My initial thought was Probably but then I thought oh, it's still alone Well Can disqualify you um Examples of you know, are we engaged in illegal activities if you say yes, I would presume that would disqualify you I would guess. Yeah You know, are you delinquent in child support? You know as a as a principal So there's I mean several questions that they're asking Um, you know potential disqualifiers Do we do you know is a third of our income coming from you know gambling? Oh You know so but you know we are we engaged in lobbying is this a business so I would think that you know everybody on this call would You know answer all those questions and the negative wouldn't check any of those so I guess the the practical answer to to the question is I think almost all of us qualify Yeah, sounds sounds like from what you're saying that the qualifiers are pretty pretty pretty uh Out there It's a low bar to qualify Okay, that's great See I have another question and I don't remember where I watched it. Hey, christa Uh, what does uh rosemary say? Okay her strategy Is that she's waiting until after the stay at home gets lifted. Hopefully She's hoping that'll happen. Hey Heather by may 1st Um, if you get the $10,000 grand and ppp it looks like the grant will not be free unless you can qualify or Qualify to forgive the whole joint dollar amount. Is that right? I don't understand that I'm sorry Huh I don't I don't know I'll I'll go back to uh Their website And Where did we go? It just says here the loan advance will not have to be repaid. It doesn't have any you know Like on ppp for instance and even the eidl it says some of this may not have to be repaid of certain you know conditions are met And they you know rattle them off in terms of having all your your people back to work by the end of june and whatnot This doesn't here say anything other than You don't have to repay it And the way it was initially presented at the beginning of the week was it was a grant And by definition grants don't have to be paid back. I find it odd that they don't call it a grant anymore Yeah Why would they change that do you think what would be the reasoning? you know, maybe there's some obscure Law or something that would preclude them from doing it if they called it a grant, but if they They changed the the the title of it, but Still treat it like a grant they can get what it is that they originally intended to do. I you know, I'm just gonna think I have no idea But but what I saw that they weren't calling the grants anymore. I was concerned too. It's like, oh great now You know, they're gonna want me to pay that back too Of course, you know, I'm saying that like that money's already in the bank I know that's what I was just thinking Tom. Did you already get your 10 grand? No, the government owed you that you shouldn't have to pay back. I check um We wrote a call yesterday and I you know Had somebody on the call that said that they actually had the patients to stay on the phone long enough To speak with somebody at the sb and they told they were told that it might be three weeks um That's anecdotal. I mean I haven't seen anything official on that but You know We I look I looked a little bit more time and what I saw Was that it was three weeks. I mean three days After approval So that made sense to me. I was like, okay So three days after approval not three days after applying so and Have you seen anything that that speaks to when we would expect approval? I have not but I can imagine it might take a little bit of time with all of these people All at the same time I did see that you Can expect one to two more weeks Let me see. I have this one up actually um one or two more weeks for your $1,200 um Whatever that $1,200 Check Yeah, the stimulus check A minimum of a week Is that assuming direct deposit only? That yeah one to two weeks for direct deposit and up to five weeks for paper check Well, that's good because We saw stuff yesterday. It said that the paper check could be anywhere from eight to 13 Eight 13 Yeah, so let me see where I'm getting this information where it's coming from This is being reported on In our local newspaper Where they're getting the information It's just talking about state officials in here It's just coming Contact your local congressional office Yeah, so not much it says like the Treasury secretary said that the cash payments would begin within two weeks according to uh The washington post Yeah problem is With all good intent, you know, they're Let me let me let me preface this by saying What it is that they're trying to do here Is really ambitious. This is Once again, we'll use the term unprecedented We've never been in the situation where the federal government has Been in the position where they've tried to push out this much aid this much money this quickly give you give you perspective the Uh 349 billion dollar ppp portion of this which is You know handled through the sba and the local banks are are processing that If you go back over the last six years combined and add up every loan that the sba Is made under every program that it's had It's less than 800 billion. It's like 793 billion to be exact so this is Almost half of what they've done over the last six years. They're trying to do Immediately here within a matter of days Yeah, so they're trying to do Put it, you know, they're trying to do three years worth of work in a matter of of of of days so Yeah, I guess we should give them a little bit of a little bit of a break if they're they're not Your targets but Washington is also saying that you can expect your $600 Fed check for unemployment to begin dispersing by the 18th. That's the expected date right now So this actually was a decent article had a lot of dates in it For for planning purposes. I think we're learning that whenever we get these dates. We should assume that is best case Yeah, then it might happen. Who knows but don't don't bet the ranch on it. Don't be Financial decisions saying I can go ahead and I can spend the money I have now because by the 18th I'll have that extra six hundred dollars Oh, let's see. What is Linda saying? This is what my accountant Tax spend sent if you take the ten thousand dollar immediate cash advance the amount of the ppp loan That could be forgiven. Will be reduced by the ten thousand dollar advance I think I had heard that they would roll together Also, and so that makes sense to me It sounds like the same information. I've been hearing just stated a little bit differently. Maybe Ohio unemployment struggling with the volume. Yeah I Who texas no new york somebody was saying today that uh new york's Unemployment fund is almost bankrupt already, so I got no money. I mean make make sense to me Uh, if you remember yesterday, we were talking about the number of unemployment claims Shout out to like 6.6 million the week, you know last week Which is twice as well as the week before and the week before was almost Five times of highs that ever has been in the history since another been tracking such stuff I saw some numbers that were breaking those unemployment claims down by state and by far Then I don't remember the exact numbers, but uh, california was Several times higher than the next highest state If the york was I don't know they were in the top 10 probably the top five But was a lot lower than what you would expect it to be with the Relation that it had and part of the Part of the explanation for that is they just don't have the resources to even count and process so um I make sense you layer that and over the fact that you know, they're they're out of money but It's gonna be a lot of A lot of tough uh tough problems that are going to need to be solved here over the days and weeks ahead and we talked much about the uh tax credit program as opposed to ppp and if one is Worked more or better than the other Nope, we said we're going to try and talk about it in the next couple of days. So We're uh Playing around with a spreadsheet We want to build a calculator that kind of help us plug in numbers to see if if one is is better than the other and i'm gonna Try to see if we can can get that done over the weekend. If so, we'll uh, we'll share it monday um but Now those are two separate programs. You can't do both if you do ppp. You can't do the tax credits if you do the tax credit You can't do ppp ppp basically once you get the phone we've got Eight weeks after that that you can write off 100 of your payroll up to the two and a half times the payroll amount that Was there assuming that you meet the whole criteria that you've got your Workforce back up to full strength by the end of june and if not then it's per rated down by some amount So in order to make that work rationally or you know economically logically You want to make sure that you're cleaning stuff And are getting paid for it Before you get that loan because the minute you close on that loan You're on the plot for those next eight weeks So like if you're shut down because we'll stay at home orders and stuff like that You get that one You're really going to be limited is what you can do with it because You're not really having any material payroll and the idea of bringing everybody back and just paying them for Not generating revenue It's kind of a risky deal because If for whatever reason you don't get your payroll back up to the number that it needs to be by by the end of june You're going to have to pay that's going to be a loan. You're going to have to pay back In two years Two years the interest rates relatively low yesterday. We thought it was a half a percent the Up to 1% the regional bank said they would lose money on a half a percent So they bumped it up to one but still really you know, that's immaterial but Paying it back in two years is kind of kind of hefty um The the tax credit program is kind of interesting It's basically designed to offset your payroll taxes the social security and and and those type things And you apply for it into the quarter and the way it appears to be written is if You have more credits than what you had a liability for your your your payroll um with holdings The the difference would be considered an overpayment and you would be reimbursed for it like getting cash back So The way that we're reading it the way our cpa is reading it is it's as good as cash and you get it back in the very quarter And that program starts back somewhere in the middle of march So you can even go back and get some tax credits for for first quarter All the way through the the end of december of this year Now it's for 50 percent of The qualifying payroll at the qualifying payroll is capped at ten thousand dollars per person So it would be five thousand dollars per person maximum credit that that you'd be able to get This is where it gets a little bit confusing. So you have to do some math and say well How much at the date that I think that I might get my ppp loan What would my payroll look like for for that eight week eight week period and how much of that Would I be able to write off assuming I could meet the requirement versus How much of that 50 of up to ten thousand dollars of already payroll that I could accrue over the course of the year with that ad up to bay and There's a little bit of a tax thing you have to give back on the tax credits and doesn't get a little spreadsheet That we can look at all look at all that next week, but Not not if you think that you're going to be starting off slow Or if you're going to be shut down for a while, you're not going to be busy till second half of the year You might be better off at the the tax credits and then ppp And that's the spreadsheet that you're going to work on over this weekend comp. Is that right? Yep. Yep People figure out. Yeah, that sounds great You want to see what christianne has? Is posting here it's it's basically the the Dilemma that everybody's dealing with right and so she's basically just put it down and in words here Still getting calls from clients, but our employees don't want to go out They're scared of getting the virus some are getting paid sick leave Some are getting paid a sick leave due to child care, but others aren't we allowed them to use their pto without notice But some have already used it all up They've heard that they can get 600 a week through the irs and would like us to lay them off I realize the ppp will help us retain them, but not sure how to handle between then and now Not even sure we'll end up getting the funds Oh, that's uh, oh, that's rational What we're trying to do And everybody has like different twists and versions based on how scared your people are how many clients need to be cleaned or want to be cleaned and Whether or not you have a lot of A large chunk of your workforce has children that are no longer in school is going to be a Deciding factor there whether or not your state is considering you an essential service Changes that whole that whole scenario too Sarah says I thought the ppp was to keep you going But the tax credit was to help cover fmla It doesn't seem like the ppp would cover if lots of employees take advantage of the 12 weeks off The 12 weeks off. Are you talking about the six? Are you talking about the 16 weeks of Unemployment or oh the 12 the 12 weeks of child care gotcha the Paid fmla, which has this new act for an FSC r.a. All right. Yeah families first I mean theoretically We're going to get that money back and but that's that's separate then the I forget what that with the tax credit program is is called the top may have but it has something to do with like creating jobs create You know, if you're working people Between beginning or middle of march so to the end of the year and not doing ppp You can get tax credits for for for for you know, those people working as well for half of their salary And you know, there's caps and some other stuff But for most of us, you know, we don't have any any technicians that are making over a hundred thousand a year So that's not a concern And you get them up to you know up to like $10,000 or the payroll you get half of that five grand um Which is different than the paid fmla or the paid sick time if we wound up paying any of that and I guess there's more and more rules coming out of that and I don't have any of that top of hand But in some cases you can get exempt from from some of that. Do do you know any of those particulars Liz? um The last thing I read is the same thing that we the last thing I received is the same information that we've gotten before Is that you still using the word may be exempt if you're less than 50 You have less than 50 employees And then like what were the criteria? Sorry I I have um I absolutely have information fatigue going on so much information I can look that up though. I do have Sorry, sir. I'm with you. Oh man so much to learn Sarah it is. I mean I've been lamenting that I just Feel like my head's been put in a blender. It's just so much Hey, it's so much to keep up with and then you like Spend time reading like all of the the rules of the documentation and what you know The sba is telling us and what the treasury is telling us And then you wake up the next morning and it's completely different website It's the one I even bother so somebody was saying that uh Um pqp has changed already, but I guess that wouldn't matter because it's not going out actually to a monday anyway Yeah, what it's it's it's funny. Oh it wouldn't I fully expect that whatever assumptions we're working with now for ppp Some of them will be different by monday morning Okay, sarah. She was good to go on keeping up until the tax credit part kicked in. She's like, okay I got it and then the tax credit is like a whole new layer to lay on top of everything else Uh, I do think that tom spreadsheets can help us a lot on monday sarah for that I'm gonna I gotta cheat I'm gonna go to cleaning business today because I think we already have a link there talking about the tax credits Maybe it'll help if I share my screen. Yeah, I'm not thinking that's cheating. I'm thinking that's good business move right there so Go to where the stuff is And the tax credit is the irs part of it employer retention credit under the cares act so go to that link and read this and this is uh This basically gives you the skinny as to what you you need to to to know about the tax credit And the important thing to realize is If you go this route and take advantage of these tax credits, which In essence is is is money that you get at the end of every quarter Um, you cannot do the ppe But You definitely want to continue you doing the ppe The triple p Look into my cpa and he was referring to it as the triple p. Okay the ppp anyway, um I'm not a I'm not even a hundred percent sure on this. I do believe that you can apply for the ppp and Once, you know, they process it you can you can decide not to take it Don't Take I mean, I can't even guarantee that at the moment, but that's that's an assumption. I'm working under So if you're not sure which way you want to go I don't think that you have anything to lose by applying Then but then you just need to make the decision, you know, once it's approved you need to decide Which one of these ways you want to go if you accept that long You won't be able to do do the tax credits And another consideration there is I know a lot of people are applying for the ppp because they're worried that the Money's are going to run out. What is it three hundred and fifty eight billion. Is that right, tom? 349 billion. Thank you. 49 58 are those the same number? 49 billion so they're worried that that is going to run out But on the flip side A lot of people are also thinking that they're going to throw more money at that if they if they run out More money will be thrown at it But if more money doesn't get thrown at it, there's another option Yeah, you you then will Definitely want to take take this option um rosemary was saying Potentially our stay at home order could go into june that would push us against the june 30th eight week criteria It's it's it's already though that Period that you're able to use That can go past that june 30th Because you don't have to have it eight weeks old again then before june 30th, but you do have to do Your private numbers need to be you know first of full employment. You can get by june 30th in order to be able to write it all off It's going to be tough though if the Stay at home order is running till june 15th. You know getting fully staffed by june 30th And who knows even it's going to be by june 15th so and all of that kind of leans towards making the The the tax credit program for some of us may be making more sense Now there's criteria For the tax credit program that I should probably show you Because we're not even 100 sure how all of this is going to be um You know tom i'm thinking that if you could just make a list of the things that you are 100 Sure, that's going to be a very short list Yeah, i'm gonna show you that this is that list you see there's something on it Blank page blank page Uh But there's two things here the one on the bottom says a significant decline in gross receipts during the calendar quarter Basically, that's 50 that below they they described that's a 50 drop in in an income from Either the prior year quarter or the prior quarter. I think they let you do both of those But that's a pretty hefty number. You might not be at that point. I hope you aren't but the other one which I think more of us might be able to uh To to to use as the criteria is fully or partially suspended operations Due to uh some order from an appropriate governmental authority limiting commerce travel blah blah blah blah that You know if you could say that well the government entered a you know It should stay at home program and since we do house cleaning You know most of our you know clients, uh, you know declined to use this you could even say that you know You took the position if you if you closed completely that or even partially closed that Somehow you should be able to use that to rationalize I talked to my cpa about that today and Yeah, there's no guarantees any of this year But he felt that that that we would have a really strong argument in any any community that Stay at home order that that that would You know at least be a partial suspension of our operation Yeah, make sense and I mean one thing that we can be pretty sure of is That the government is trying to help us the government does want us to succeed. It's not trying That the government is trying to protect small businesses, so I think I think so Yeah, I think so too. And so if that's true then Sometimes, you know, you just got to go on faith so Okay, you don't know exactly how it's going to work out but going to have some confidence and some faith that it is going to work out and Move forward in that mindset with some confidence around that idea that Okay, the world is not conspiring against me the world is conspiring for me. And so I'm going to go with but with some hope there That's not always a great move. But I think that in this case it is also we we do have the What's the saying that you always use tom that we have the protection of the masses I think You were protected. We're protected by the masters, you know, if we're The majority, you know, if If you're an outlier if you got a problem it's that nobody else has then you're kind of on your own But if everybody has the same problem, it's kind of hard for The government or anybody else to kind of throw everybody under the bus because then there's nobody left, right? Usually they wind up, you know, writing a law to protect the masses and this is Usually when you're in a small business is a small business owner You don't that's not where you are. But this is one of those rare occasions where it's actually working to our advantage How's your camera tom? I have no idea. Oh, there you go. You're back Uh rosemary is saying that seems contradictory with the $600 unemployment and the fmla changes Oh Payroll tax credit for fmla. Is that what she's talking about? What she's talking about that doesn't seem like it at least I think I think where she's coming from is that doesn't seem like it They were really looking out after us at small businesses. Oh those changes Uh, I give you that rosemary. Yeah, I wouldn't I wouldn't necessarily written the rule that way but You know, there are a lot of political interests that all needed to be satisfied I mean, you know that the senate passed this bill unanimously and I think maybe the house did too if I'm not mistaken Or you know, it was almost if it's not complete so You know both sides of the the aisle needed to get you know, there's stuff there and um, you know they want to make sure that that Everybody feels like they're getting a fair shake this time because back in 08 with the Tarp program and all the bailouts that looked like it that was for the big banks and for for wall street and everybody else was was basically left nothing and What they're doing this time certainly looks like that. Um, you know, they're trying to take care of everybody Um Well I I just like that they actually wrote it in that not he and none of his Holdings are eligible I thought that was interesting Okay, so let's see christianne says sounds like the pgp was to offset that but the only thing that is sure at the moment is the unemployment of six hundred dollars per week Insure is basically how We read it as it's you know being written and applied today which um Things can change by monday So just look at how many times the interest rate has changed for the ppp in one week Right, it started out at four percent went down to a half a percent back up to one percent so I mean everything is shifting and changing Yeah, I think the only right now the only thing that you really want to bank on Is that there will be some changes You know, I mean Again talking to to my my banking contacts Earlier today, they think they've got most of the regs kind of figured out one of the big sticking points with the ppp was that there's a stipulation that if a bank loaned to A company that was committing fraud or was laundering money Then the fba wouldn't bank it It wouldn't back at the bank would basically be left holding the bag on it and Since they're being asked to process these loans with relatively no due diligence because they want to get the money out there fast They really don't even know who they're loaning the money to so If they were going to be responsible for that was going to slow the whole process down yeah So supposedly the the you know fba is telling i'm just going to loan the money We're good for it. Even if you screw up and loan it to the wrong person But you know, this is all happening so fast that I am sure that You know six months a year two years down the road. There's going to be a lot of fuzzy memories and You know, I don't know. I don't know who's going to win and who's going to lose on this But it's going to be interesting Well anything else going on Us looks like everybody's kind of getting a handle on things and maybe making some decisions about direction and Where they're going next week everybody feel good about where you're going to be next week what you're doing You know When when we started doing these programs What's that? I've been doing this for a couple weeks few weeks now Um Doesn't matter the thinking the thinking was that Right now this is a financial exercise. We need to get our you know debt You know squared away and get as much of that deferred as we can and get as much bank financing and you know Sba and federal help and You know, I'm kind of surprised that we're still here having that discussion I would have thought you know several weeks ago that we would have kind of figured all of this out and we've moved on to something else, but You know the rules keep changing so oh that smells that looks like a smells Oh my gosh. I can't even stand it. I keep forgetting that i'm like on camera and i'm like It's my favorite smelly flower. It's free chef. Is that for your birthday? Yeah Yeah, yeah, I love them I got a cookie Yeah, you got more than a cookie You just remember the cookie the most because you liked it the best Actually, good for you. Bridget, you're feeling comfy. What tom actually what? You don't like your cookie. It wasn't good. No, my cookie was good. It still looks good. It's there Is it one of those big huge cookies? we took a I took a just a cooking sheet kind of rolled out a bunch of dough and kind of made a yeah made made a One big cookie Hi cookie I got a picture somewhere. They actually do a corona virus on it Nice it's the corona birthday Yeah Hey, Bridget. I'm with you next week might change, right? Oh, tom. I do have another question remember. I said I had a couple of questions from people um the other question was uh around Oh, that's actually nice. That's a sheet cake cookie. That's really nice. That may be a good job. That looks good It was it still is actually wait for us left of it I'm actually really well done I'm sorry. I digress What we have a question. Oh, yeah, my question was um Do you have any thoughts and I know that you are not an attorney and So you don't know the legality here, but do you have any thoughts on? responsibility for companies that are open and if their employees were to contract The corona virus like who should they tell what should they know? Who are they legally responsible to? Oh, same thing. You know in my company. I just told you we had A client who tested positive for for the virus And on the call that I was on when we were talking about these things earlier the consensus was hey get your people tested and Get either a positive or a negative test and then move forward from there But I was wonder we were talking about I wonder if there's any type of legality there. Do you have any idea? Suspicion is that there could be as time goes on there there there there may be This is all in part of waters yeah, traditionally you know If I were to work and this person sitting next to me has the flu and if I catch the flu That's just kind of the way it works and there's no liability But corona virus is such a big thing that we really don't know how that's going to work so you know If you go to mrs. Jones's house and mrs. Jones has a cold and you wind up with a cold two days later Is it some issue between you and mrs. Jones? No, you just caught a cold. That's what happens So we don't know how that's going to go down with the corona virus. Um One more thing. Yeah Throw it throw it on the list. Um, you know the golden rule though Sometimes, you know, I find useful when it comes to stuff like this, you know, what would what would I want to happen if if if I was the cleaning technician and went into mrs. Jones's house and mrs. Jones has you know found out two days later that That she had corona virus, you know, what would I want, you know, what I Yeah, we want to know Or conversely if you know, somebody came and cleaned my house and two days later They found that they had corona virus as a client. I would hope that that somebody would would tell Before me So, you know that would that when it comes to those questions. I'm not sure what the legality is traditionally There has never been any liability there How that might change, you know I suspect it's going to start with People suing the cruise lungs the cruise ships with all the people that got, you know, sick on those We're going to set some precedent You know, some attorney's going to pick that and try to use that case law to apply to And you know Well, it goes to sort of a little bit of what linda was talking about I'm wondering if these types of things are going to change, you know after after the coronavirus All this it sort of blows away a little bit Are we going to have to be wearing Ppe on a regular basis so that our people don't get sick so that we're not liable or so that we're not passing anything on How could that play out? No, I don't know and linda wants to know What is a good place for a training course for my staff to address the new normal after we go back to work? That's a good question And in what is that training going to look like and I mean one of one of my favorite programs is You know the one that that, you know, we developed with, you know, hct and Hct is a very broad broad program house cleaning technician certification program Um, but there's certain parts of that that that's certainly uh specifically address You know the the chain of infection and how cleaning breaks that, you know breaks that chain and You know what the different types of uh pathogens are and and and and how we re-neutralize them I don't know if there's really a great course out there right now specifically for house cleaning companies who deal with all of the Science we're going to have to train more to science than what we traditionally have in the past in order to really Deal responsibly with the corona virus and in cleaning in a world where you know, we've got These types of of of pandemic type diseases and more and more the belief is that You know, we're going to be seeing more of this if time goes on because we're just pat more densely and we travel around more and We better we better get ready for this in the long haul we've got we've got to understand the science behind the cleaning and So we're not just doing it, but we understand why we're doing it and why what we're doing has efficacy and white white the way it works um What do you think Liz? I mean do we need a program that we don't have? Uh, uh, I I think so. I think that there needs to be some type of a training course I was going to ask you about also The issa training course that they're launching on monday The one what is it the gbac for 49 dollars? Do you know anything about that? I haven't seen the syllabus shot So I guess it depends upon Yeah, they have good work and they're they they the stuff they do is founded in science So whatever it is. I'm sure it's a quality program um I've seen some of their stuff and it's focused on like forensic cleaning the biohazard deep cleaning and I know they have programs that will teach you You know how to put on a tyvek suit and how to make sure your You know powered respirator is working properly You know dawn and doff all your you know Equipment properly and make sure that you've got negative air flow. So the germs aren't leaving your workspace and it's all really You know great if you're going into some infected place and trying to wipe out ebola or coronavirus, but um I'm not sure how practical that is for your typical house cleaning company Yeah, I suspect there's useful information there, but You know, we're going to be cleaning homes for a long time after this initial shutdown is over of of our economy And we're not going to be wearing tyvek suits and respirators when we go in and do our you know biweekly cleaning at mrs. Jones's house However, we are going to be cleaning it with with with with hygienic cleaning and making sure that we're doing a good job of Sanitizing all the high-tech surfaces and we're going to be cleaning it with a higher purpose and a different mindset than what we have been doing it traditionally Cherry says she wants training also Um, I I think that that really speaks to what's going on though tom people want training Like cherry says I want training And I think they're just kind of feeling like I just need more knowledge. I need more information I need I need whatever's out there So a lot of people I know are taking whatever they can find I'll take anything if it is you know, how to How to be fully suited up and full PPE gear so that I can do full decontamination Okay, then that's what I'll take if that's what's out there What what are options? You'll learn stuff from that that you can apply to your Bi-weekly maintenance cleaning of mrs. Jones's house. You're not going to wear a tight suit to do it But you'll understand more about, you know, what pathogens are and the different types and how to neutralize them and what a high-touch, you know surfaces and You'll learn stuff. So Learning stuff is always good But I haven't seen it. Is that is that fast to be available next week on monday? Yeah, um, this is if you go to facebook tom. It's on the arcsi residential cleaning discussion group And apparently debbie is putting on a course. I'm not sure if there are two. It sounds like there are two different courses Um, and then there's a webinar a telemedicine Webinar have you heard about that? um Essentially virtual medicine And this is a benefit that your employees would truly value Don't know about that. That's a different type of training um But kelly jones is the one asking about hi can someone confirm if there's a corona virus certification course being offered by issa on ipel 9 Hope it's just a webinar and then she says debbie Sardone is also offering a similar course. I need to decide the best route to take at this time And erin's the one that responds with issa is launching their certification course on monday um from gbac Members will be able to get this certification course for 49 dollars Um, and she says I believe the course debbie is offering is the one the issa is producing with gbac so I don't know that sounds Repetitive there, so i'm not sure exactly what's being said I apparently there's another one maybe debbie's course Is 200 dollars more with it with debbie? I don't know It's confusing still might be a good Conversation tom for a call for one of the facebook lives What are some of the resources and what are the different trainings that are out there? What's going to be valuable for us? in our In our roles as host cleaning business owners I'm glad this came out I was going here and somehow I You know, it's easy for me to get sidetracked. Um We started doing there because it was all about finances and getting our financial house in order The thinking was by the time we got to this point that we would already have that in the rearview mirror And now's the time to really talking about how we're going to be doing business moving forward A big part of that is we all need to become more informed on you know What are pathogens and what is our responsibility as professional cleaning company to to you know Mitigate them in a responsible way and how do we do hygienic cleaning and sanitizing disinfecting the proper tools and equipment and Smiling flowers and all that really They smell so strong I'm so sorry Tom. They're so strong. I'm putting them out of my My hands reach But yeah, we need we training we need to And you know, we're looking at that in castle keepers and we're making plans We're you know, we're we're we're primarily shut down, but we've got some people on our staff And we're going to be doing some serious training over the next A couple of weeks here Um If we had some type of program during the day, where were we doing stuff like that would that be You know, I guess I guess we could do it for whoever wanted to sit in on it, you know What kind of charge are you thinking of Tom? For a program like that. I don't think I don't think we would I don't know. I you know, I'll see if I'm not free training I know I'm gonna help develop it, but I'll also sit in on it. No I don't know. It's just it's a kind of There's a lot of schools of thought on this and we're we got you got the rest of our lives to make some money But at the moment, I think that we just need to help each other you know Get to a better place and and and and do everything we can to help and You know, well, we'll make money another day. I mean don't get me wrong, you know, we don't We all need food and shelter. So let's let's start with that But once we get to that point, let's let's just try to take care of each other And if we can all get to some place better together, then we can can start making money again, right? Things are so different right now. I really I'm really grateful that you know, our industry is so good At pulling together and helping each other and sharing resources. I I feel really blessed to be part of Of this industry. There's I think we do this better than most for sure a time reminder three o'clock time to put up your your your your machine animation and then if anybody has Uh a piece of gossip or information that they've heard and they're not really sure Let's get time to tell it like it is on Monday About something anybody have anything if not, I always have something I listened to too many people talking about too many Yeah, Liz. I mean you're the person who teaches the program on how to stop gossip. How come you only have all the good gossip This is how I stop it. I go I go somewhere and I get find a credible source And this is it believe this stop talking about all that cleaningbusinesstoday.com Um over here, this is where you subscribe if you haven't I encourage you to do so. You'll you'll be on our uh mailing list. You'll get our newsletters with all our updates Um, if you go to forward slash coronaviruses dash downloads, that's where you'll get all of our good download stuff and and other resources, uh specifically for um You know what we're doing here for COVID-19 I'll um Take that link and hide that and I'll put that there bang Wow Are we done for the week? I hope so tom. I'm beat I'm ready for weekend to begin and Start this whole craziness next week again. Who knows what they'll come out with over the weekend, right? Yeah, but you know, I think I think that we all feel like we've got a lot of work we need to do this weekend and you know It'll be it'll feel it's saturday. So at least we'll feel different even though I haven't been going It does feel different. I don't mind. Um, I feel like working on saturday and sunday is easier It's less pressure And plus I can touch my workout for 12 hours Yeah It's it's it's it's bonus it's bonus time Yeah, thank you, sir. You have a good weekend too Thank you guys Take care of yourself again. Relax a little bit. Get some rest. We'll uh, we'll be back here monday at uh, at five Okay, what's the name of the show we're supposed to be watching tom tiger Oh Watch the last episode last night. It's uh, you know, it's a dumpster fire, but you You You watch those when you want to cross them, right? So that's right You want to feel better? Yeah, thanks rose mary. We appreciate you guys too. Talk to y'all later Bye. Bye. Bye