►
Description
Mayor Vi Lyles and the Economic Development Department hosts a mentorship webinar series to connect local businesses to resources as part of the City of Charlotte Open for Business Initiative. This event will focus on legal and financial protection.
Panelists
Carolina Aponte, Owner, CPA, CAJA Holdings
Larry Shaheen, Macintosh Law Firm
Kate, Maynard, Robinson Bradshaw
Claudie Johnson, Self-Help Credit Union
Beth Hoving, Bank of America
Manuel Rey, 5/3 Bank
B
Hey
everybody:
my
name
is
holly
Eskridge
I'm,
an
assistant
director
in
our
Economic
Development
Department,
thanks
so
much
for
joining
us
today.
Unfortunately,
mayor
Lyles
had
a
last-minute
scheduling
conflict,
so
I
am
gonna.
Do
my
best
to
fill
in
her
absence.
Our
goal
in
each
of
these
webinars
is
to
connect
our
small
business
community
to
the
resources
information
they
so
greatly
need
at
this
time.
One
of
the
top
questions
that
we
receive
is
around
financial
resources.
So
today
we're
hosting
a
panel
on
the
fundamentals
of
legal
and
financial
protection
for
small
businesses.
B
I'm
going
to
go
over
our
panelists,
then
we'll
get
started.
First,
we
have
Larry
Shaheen.
He
is
an
attorney
with
the
McIntosh
law
firm,
he
specializes
in
commercial,
real
estate,
business
and
corporate
law.
You
may
have
seen
him
recently
on
a
number
of
webinars
and
meet
interviews
where
he
helps
advise
on
the
many
aspects
of
the
new
SBA
loans
tied
to
kovin
19
relief.
B
Kate
Maynard
is
a
partner
with
the
law
firm
of
Robinson
Bradshaw.
She
litigant
gates,
complex
commercial
disputes
and
advises
clients
on
data
privacy
and
cybersecurity
issues.
Kate
serves
as
general
counsel
of
Robinson
Bradshaw.
In
that
role
she
has
been
responsible
for
guiding
the
firm's
response
to
the
corona
virus
pandemic
and
is
now
working
on
the
firm's
preparations
to
reopen
the
workplace.
Bring
it
there.
B
Nearly
240
employees
in
Charlotte,
Chapel,
Hill
and
Raquel
Carolina
aponte
is
the
CEO
of
Cascia
holdings,
a
full
service,
accounting
and
bookkeeping
firm
with
over
20
years
of
helping
clients,
both
large
and
small.
Her
responsibilities
include
business
development,
client
services,
consulting
and
analysis.
She
is
also
president
elect
for
the
National
Association
of
business
of
women,
business
owners
of
Charlotte
and
is
a
goldman
sachs
10,000
small
business
growth
accelerator
alumni
Claudia
Johnson
is
the
City
of
Charlotte
executive
at
self-help.
B
Credit
union
whose
is
to
create
and
protect
ownership
and
the
economic
opportunity
for
all
self-help,
provides
respect,
responsible
financial
services,
lending
lending
to
small
businesses
and
nonprofits
developing
real
estate
and
promoting
fair
and
financial
practices.
Manuel
Rey
is
a
regional
banking
executive
for
Fifth
Third
Bank.
In
this
role
he
is
responsible
for
leading
the
multicultural
banking
strategy
and
its
execution.
He
also
serves
as
a
director
for
the
private
bank
in
the
Mid
Atlantic
region,
with
a
focus
with
a
focus
on
strategic
business
development
and
most
of
multiple
multicultural
competency.
B
He
also
works
to
create
investment
opportunities
for
corporate
middle-market,
multicultural
and
minority-owned
businesses
through
market
knowledge
and
connectivity,
and
then
lastly,
Beth
Hoving
is
senior
vice
president
admitted
a
Mid
Atlantic
region
executive
for
small
business
at
Bank
of
America
having
focused
much
of
her
career
on
the
small
business
industry.
She
leads
a
team
of
small
business
banking
managers
covering
the
Carolinas
Virginia
Maryland
and
DC
Beth
also
serves
as
Bank
of
America
ambassador
and
board
member
for
the
Charlotte
chapter
of
the
National
Association
of
Women
business
owners.
So
we're
gonna
go
ahead
and
get
started.
B
Thank
you
guys
for
joining
us,
our
panelists
and
those
of
you
who
are
watching
today.
This
is
gonna,
be
an
awesome.
Discussion,
I
think
something
very
valuable
to
our
small
business
community.
At
the
end
of
some
of
these
initial
questions,
we'll
go
ahead
and
we'll
open
it
up
to
those
viewing
and
and
take
questions
from
the
audience
so
Larry
I'm
gonna
start
with
you.
So
what
about
when
we
look
at
the
state,
local
level?
What
policies
or
programs
are
most
popular.
C
Well,
what
we've
seen
most
popular
is
the
triple-t
program
that
has
been
the
number
one
federal
program
that
has
been
very
popular
there's
also
been
some
some
programs
coming
down
from
the
federal
reserve,
that's
more
popular
among
large
businesses,
but
of
what
we've
seen
for
the
small
businesses
is
that
ee
IDL,
which
is
the
economic
injury
disaster
loan.
That's
surrounding
the
circumstances
here
with
Cova
has
been
probably
your.
C
Second
most
popular,
it's
been
a
little
bit
a
little
bit
slow,
but
I
have
to
tell
you
and
I'm
gonna
brag
on
the
City
of
Charlotte
here
for
a
minute.
The
Mayor
was
here.
I
would
do
that
I
think
the
most
popular
to
local
programs
that
are
gonna
be
rolled
out
here.
You've
got
your
micro
business
relief
that
Mecklenburg
County
and
the
City
of
Charlotte
have
come
up
with,
which
I
think
has
been.
You
know
very
useful
for
businesses
that
have
less
than
five
employees.
C
You've
got
your
19
responsible
for
your
nonprofits,
which
we
just
saw.
Another
doubling
of
money
from
Wells
Fargo
to
50
million
dollars
and
Bank
of
America
has
an
all
of
our
corporate
partners
have
been
wonderful
with
that,
giving
you
the
foundation
with
the
Carolinas
and
then
we've
also
seen
the
Mecklenburg
County
business
stabilization
loan
program,
which
has
been
put
into
place
by
Mecklenburg
County.
C
So
all
of
these
programs,
but
businesses
have
been
you
know
very
useful
and
very
helpful,
and
the
goal
for
the
triple
P
and
the
e
IDL
programs
were
to
keep
folks
off
unemployment.
A
lot
of
folks
think
that
asking
questions
about
well,
why
are
we
spending
money
on
middle-market
companies?
Why
are
we
getting
money
to
small
businesses?
Well,
the
way
that
the
loans
are
structured
is
with
75%
of
the
money
being
spent
on
payroll
and
with
limited
funds
being
available
in
the
unemployment
reserves.
C
C
C
Hospitality
and
tourism
has
had
about
5
million
made
available
to
them
through
that
Relief
Fund,
but
there
is
also
a
restaurant
workers,
glee
fund,
that
is
being
managed
through
the
North
Carolina,
a
restaurant,
Tourism
Association,
and
then
you've
got
your
rapid
recovery
loans,
which
are
being
which
are
being
done
through
through
North
Carolina
as
well.
So
there
is
a
plethora
of
options
for
folks
to
be
able
to
find
some
relief,
and
you
know
this
is
a
great
panel.
C
B
B
D
In
this
this
world
of
with
covin
19
you,
namely,
is
the
obligation
to
provide
a
safe
workplace
to
your
employees.
What
does
that
mean?
That's
gonna
differ
based
on
the
nature
of
your
business
in
your
workplace.
We
have
laws,
of
course,
in
place
that
prohibit
discrimination
based
on
disability,
age
and
other
other
bases
and
and
those
also
require
confidentiality
of
health
information.
So
employers
are
having
to
wrestle
with
how
to
balance
the
public
health
needs
and
the
safety
of
their
employees
with
the
obligations
of
non-discrimination
and
confidentiality.
D
Other
issues
employers
are
looking
at
are
around
how
to
properly
apply
the
leave
laws
if
they
apply
for
some
of
the
smallest
businesses
they
may
not
apply,
but
for
others,
Family
Medical,
Leave
Act
and
the
new
families.
First
coronavirus
response
Act,
which
allow
for
paid
leave
are
things
that
you
have
to
make
sure
you
know
how
to
apply
those
and
don't
inadvertently,
create
some
legal
obligations
through
yourself.
D
What
I
can
say
is
that,
following
the
state
guidance,
the
CDC
guidance
and
the
state
guidance,
while
it
may
not
be
a
guarantee
against
against
someone
filing
claims
against
you
down
the
road.
If
you
have
followed
that
state,
it's
the
CDC
guidance
and
kept
good
records
around
what
you
did
and
the
decisions
you
made.
That
should
put
you
in
a
very
reasonable
position
and
a
favorable
position
in
the
future.
D
So
I
would
suggest
that
to
navigate
these,
these
legal
issues
really
relying
on
the
guidance
that's
available
both
on
the
CDC's
website
and
the
DHHS
website
that
guidance
for
businesses
and
employers.
It's
a
critical
step
for
employers
as
they
try
to
bring
their
folks
back
into
the
workplace
and
make
a
decision
along
the
way
and
I
will
say
our
firm
Robinson,
Bradshaw
comm.
We
do
have
a
coronavirus,
Resource
Center,
with
a
few
articles
that
may
be
of
interest
as
well.
That's.
B
That's
amazing
information
I
know
when
we
work
with
small
business
owners
and
then
our
partners
that
work
with
small
business
owners
I
know
just
sort
of
there's
always
some
anxiety
around
sort
of
these
legal
questions,
but
I
know
with
in
this
time
I
think
that
anxiety
is
just
even
high,
so
that
was
really
great
information
and
I
thought
I
think
you
broke
that
down
in
a
very
simple
digestible
way:
that's
valuable
to
small
business
owners.
Thank
you
for
doing
that.
B
E
First
of
all
good
afternoon
to
everyone-
and
it
is
Catalina
in
Spanish,
even
though
it's
spelled
just
like
the
name
of
the
state,
but
yes,
there's
a
lot
of
questions
regarding
the
PPP
loan
and
the
e
IDL.
If
you're
one
of
the
lucky
businesses
to
receive
a
paycheck
protection
program
loan,
as
provided
by
the
cares,
Act
I
would
say,
you
know
kudos
to
you,
just
make
sure
that
you
are
in
contact
with
the
lender,
because
they
will
be
the
ones
reviewing
the
documentation
that
is
required
to
determine
forgive
this
of
the
funds.
E
75%
force
payroll
at
least
and
25,
for
your
rent,
utilities,
interest
payments
and
so
forth.
Some
of
the
relief
are
available
is
that
the
amount
they
received
under
the
PPP
loan
is
not
going
to
be
considered
income
for
your
business.
So
in
that
regard,
that
assistance
will
lower
your
your
gross
income
for
the
year
2020,
but
you
do
have
to
be
in
contact
with
your
accountant
and
to
make
sure
that
things
are
recorded
correctly
on
your
books,
because
the
expenses
which
are
typically
deductible,
which
are
your
payroll
expenses,
rent
and
utilities,
will
not
be
considered.
E
According
to
the
IRS
as
deductible
expenses,
because
in
that's
double
double
dipping
in
the
account
in
the
tax
world
right
so
you're
not
gonna,
claim
it
as
income,
but
then
you
can
also
not
just
claim
it
as
expenses,
because
then
double
dipping
happens.
So
that's
those
are
some
of
the
provisions
and
you
also
have
to
consider
at
the
state
level
what
is
going
to
be
deductible
or
not
at
the
time
of
taxation.
E
E
You
can
put
a
pause
on
the
payment
of
those
taxes.
It
doesn't
mean
that
you
don't
have
to
pay
it,
but
you
can
pass
it
while
the
crisis
is
going
on
so
that
you
can
maintain
the
cash
flow
for
your
business.
So
that's
another
consideration
under
the
Care
Act
and
you
know,
as
we
tell
all
of
our
clients.
This
is
the
right
time
for
you
to
sit
down.
E
Or
cash
flow
to
make
sure
that
you,
you
understand
your
numbers
in
a
way
that
allows
you
to
plan
for
the
stability
of
your
annuity
of
the
business
and
as
the
other
panelists
have
mentioned,
there
are
other
resources,
besides
a
PPP
loan
and
the
Eid
alone.
So
it
is
good
to
be
in
touch
with
all
of
the
resources
available
in
the
city
so
that
you
are
able
to
have
cash
influence
for
your
company
and
continue
to
be
an
operation.
B
F
F
B
Know
this
is
also
another
another
area
that
I
know
we
work
with
small
businesses
and
our
partners
work
with
small
businesses.
I
know
that
the
tax
side
of
things
is
always
a
major
anxiety,
producer
and
I
think
this
is
fantastic
information
for
small
businesses
to
really
understand
what
this
means
in
this
world
of
receiving
care,
Zach
funding.
So
thank
you
very
much
and
for
the
correction
on
your
name,
my
apologies,
okay.
G
Thanks
Ali-
and
it's
good
to
be
here-
appreciate
the
invitation
and
thank
you
very
much
I,
don't
know
if
it's
business
do
you
need
to
self
out
in
terms
of
what
we've
seen,
but,
but
obviously
from
a
community
standpoint,
global
and
we've
seen
a
lot
of
small
businesses.
You
know
hurting
your
right
with
this
with
this
change
of
life,
yes,
situation
in
all
the
uncertainty,
you
know
that
surrounds
and
is
about.
As
we
mentioned,
you
know,
there's
tremendous
resources.
You
know
that
that
are
available.
G
So
it's
all
we've
done
from
an
institution
standpoint,
because
our
focus
has
been
on
small
business
to
this
field.
Through
the
years
they
have
lending
money.
Even
smaller
dollar
amounts
you
know,
but
we
pivoted
and
focused
on
some
of
those
resources
that
are
out
there
think
about
the
TPP
again
that
layer
and
Karolina
is
mentioned
in
terms
of
the
task
expec.
You
know
of
it
where
those
those
monies
could
be
forgivable.
You
know
so
you
know
we're
focused
and
we
focused
on
on
those
loans
with
our
small
businesses.
G
We
felt
that
that
was
the
right
approach
to
really
serve
our
mission
and
assist
our
our
small
businesses
is,
is
just
you
know,
utilizing
those
programs.
So
you
know
we
round
to
you
know
through
round
2
we've
done
over
1200
loans.
You
know
over
160
million
dollars
in
loan
amounts
and
then
from
our
data
that
saved
a
volunteer.
18
thousand,
you
know
jobs,
you
know
so
felt
really
good
about.
G
You
know
being
able
to
be
there
for
our
small
businesses,
which
you
know,
as
everyone
knows,
that
I've
been
on
the
backbone
you
know
of
our
economy
here
in
the
US,
so
we
wanted
to
be
a
part
of
that.
What
we've
also
seen
is
is
with
small
businesses
and
some
of
those
things
that
I
know
I've
been
in
the
business
for
a
while,
and
we
always
have
talked
about
growing
up
early
on
from
from
some
of
my
mentors
is
the
need
for
small
businesses
to
have
you
know
a
good
attorney
on
their
team.
G
You
know
a
good
accountant
like
a
Karolina
on
on
their
team
and
a
good
banker.
You
know,
so
we
stuck
we've
seen
where
relationships
no
matter.
You
know,
even
even
more
so
in
these
crises,
in
your
situation,
so
trying
to
communicate
that
and
become
more
with
advisors.
You
know
for
our
small
businesses
as
opposed
to
just
a
lender.
You
know
so
you
know,
we've
ever
didn't
have
have
had
some
of
those
important
conversations.
You
know
making
sure
that
they
are
aware
of
the
resources.
G
I,
love
and
ancillary
setup
with
a
bug
into
the
city
is
what
I
love.
What
they've
done
you
know
with
you
know
trying
to
assist.
You
know
part
of
the
the
Carolina
business.
Excuse
me
the
start
of
the
Business
Resource
Center.
You
go
to
their
website.
You
know
just
great
information.
That's
out
there
about
all
these
resources.
You
know
that
exists.
You
know,
Kate
mentioned
what's
available,
you
know
they're
her
firm,
so
so
I
love
how
your
businesses
have
a
response.
G
B
H
H
We
are
adding
more
regulations
around
health
for
employees
and
for
the
clients
that
are
coming
into
the
back
for
their
banking
with
the
institutions,
so
we're
going
to
have
to
put
all
of
those
together
like
Kate
mentioned,
to
be
legally
safe.
We
have
a
leverage
on
the
legal
side
for
potential
lawsuits
and
so
forth,
and
that
would
be
on
our
side
as
long
as
were
for
when
that
regulation.
H
But,
to
be
honest,
the
three
four
major
changes
that
I've
seen
coming
and-
and
they
were
happening
again-
they
just
accelerating-
was
the
delivery
channel.
If
you,
if
you
think
through
these,
we
have,
for
example,
this
is
an
example-
the
financial
centers
to
deliver
our
services
and
products
and
well.
H
So
people
like
to
go
to
the
financial
centers
following
the
guidelines
that
we
have
established,
but
other
people
might
not
feel
comfortable
going
to
the
financial
centers
and
they
will
prefer
to
use
their
online
delivery
channel.
So
so
we're
going
to
have
to
have
a
very
strong
online
IT
strategy
to
be
able
to
sustain
not
only
clients
but
also
improvements.
If
you
remember
before
the.
H
We
had
2,000
employees
working
from
home
after
the
pandemic.
We
have
22,000
so
I'm
talking
about
that
I'm
with
and
capabilities
to
call
the
traffic
and
I'm,
not
an
expert
I,
don't
means
in
Haiti
and
I'm,
not
pretending,
but
it
is
difficult,
so
we're
gonna
have
to
do
more.
Banks
were
doing
major
investments
of
that
one
and
again
you
have
the
financial
servers.
You
have
the
online
banking
just
do
it
on
the
phone
right.
They
don't
want
to
go
to
a
brunch.
H
They
don't
have
not
having
Wi-Fi
at
home
too,
not
knowing
how
to
use
online.
They
might
want
to
use
phone
or
any
other
venue.
So
that's
one
that
they
leave
your
channels
for
me,
I
think
it's
gonna
keep
changing
and
we're
going
to
have
to
clap
all
of
them
to
you
have
a
more
broader
approach
to
the
client.
H
The
second,
if
you
think
about
what
we
were
talking
through
one
dimension,
if
you
as
well
as
Lowrey,
one
of
the
things
that
we
won't
have
to
see
it's
a
company
that
was
performing
before
the
condemning
financial
was
a
great
company
and
then
with
the
pandemic,
they
just
you
know,
have
to
spend
all
their
cash
flows
and
so
forth.
So
the
question
is
how
we're
gonna
look
at
these
companies
going
forward?
H
H
How
do
we
look
at
companies
and
whatever
measure
the
risk
for
these
companies
doing
after
that,
and
then
I
mention
it
a
little
babies,
the
legal
issues
that
we're
going
to
have
over
them
and
exposure
would
want
to
have
and
to
reach
that
we
want
to
tolerate
during
the
pandemic
and
the
last
one,
which
I
think
is
be
honest.
The
most
important
is
a
human
capital
right
that
the
training
for
employees
how
to
look
at
the
client.
H
Now,
a
long
time
at
all,
I
heard
my
partner
hunter
said
that
homes
were
a
commodity
and
almost
passed
out,
and
this
is
an
example,
but
now
is
gonna
have
to
be
very
tailored
to
each
client.
We're
gonna
have
to
look
at
each
company
on
specific
things
and
then
come
up
with
tailor
solutions
for
them
or
a
company
or
for
the
individual.
So
all
this
is
gonna
have
to
be
a
major
investment
in
our
police,
in
our
technology
and
so
forth.
H
So
to
me,
those
are
the
four,
the
four
major
challenges
and
and
changes
that
were
gonna
the
we
have
been
experiencing
and
I
think
we're
going
to
continue
to
experience
and
just
to
people.
These
changes
we're
gonna
have
to
be
nimble.
It
is
not
gonna.
One
solution
fits
all,
I
think,
is
gonna
be
keep
working
as
we
as
we
as
we
go.
If
I
would
know
we're,
gonna
be
ending
at
the
end
of
the
pandemic
end
of
the
year
or
in
2021
maybe
come
with
a
solution.
B
I
think
that's
amazing
perspective,
and
you
really
think
about
you
know
a
midsize
bank
like
the
third
really
having
to
make
those
kind
of
changes
in
pivots
and
that
your
operations
and
from
a
lending
institution
standpoint
it's
where
everybody
is
right
now,
so
thank
you
so
much
for
that
really
appreciate
it
and
then
Beth
Hoving
with
Bank
of
America.
The
question
for
you
is
Bank
of
America
made
the
news
last
week
by
becoming
the
first
u.s.
bank
to
issue
a
1
billion
dollar
corporate
social
bond
for
covin
maintain
relief
efforts.
B
I
Yes
good
afternoon
and
thank
you
for
recognizing
that
with
the
bonds
we
were
very
proud.
It's
actually,
the
seventh
environmental,
social
and
governance
seems
bond
that
we've
issued
since
2013,
and
the
proceeds
of
this
one
will
go
specifically
to
healthcare
industry,
lending
it's
a
great
option
for
our
investors
but,
as
you
pointed
out,
specifics
of
small
business
owners,
there's
a
couple
of
things
that
we've
been
doing
and
the
first
is
our
continued
support:
Community
Development
financial
institutions
or
CDFI.
I
I
About
the
PPP
loans,
we've
been
one
of
the
top
lenders
of
CTP
loans
that
we've
funded
over
three
hundred
thousand
loans
nationwide
and
specific
to
North
Carolina.
Three
hundred
and
five
million
dollars
at
last
count
had
already
gone
to
small
business
owners
in
North
Carolina
about
98%
of
what
Bank
of
America
has
been
able
to
fund
is
Bentall
companies
with
a
small
number
of
employees,
so
I
know
that's
been
in
the
news.
I
So
an
example
is
we
have
a
small
business
community
website,
that's
been
up
and
running
for
a
long
time.
It's
got
great
articles
and
videos
and
things
for
some
business
owners
to
access,
but
they
can
also
chat
with
each
other
and
we've
seen
a
lot
of
increased
activity
of
small
business
owners,
throwing
questions
out
and
helping
and
assisting
each
other,
which
is
such
a
great
part
of
the
small
business
community.
We.
I
Claudia
mention
is
important
to
have
a
banker
that
you
can
talk
to
a
lot
of
small
business
owners
just
have
questions
during
this
time
period
and
so
having
a
conversation,
whether
it
should
I
take
this
CDP
alone
or
not
or
I'm,
starting
to
plan
for
opening
my
business
back
up.
What
does
that
mean
and
how
do
I
prepare
for
essentially
access
to
capital
that
I
might
need
as
I
bring
back
employees
or
put
some
of
these
new
regulations
in
place?
That
Katie
talked
about?
I
B
Sort
of
personal
touch
that
I
think
small
businesses
need
right
now,
just
that
sort
of
human
connection,
even
if
it's
digitally
or
over
the
phone
I
think
it's
so
critically,
important
and
I
think
that's
awesome.
I
didn't
realize
there
was
that
chat
feature
where
small
businesses
could
talk
together
on
that
website.
So
that's
pretty
incredible,
I'm
sure,
incredibly
valuable.
So
thank
you.
So
much
really
appreciate
it.
So
now
we're
gonna
go
to
questions
from
the
viewers
for
this
webinar.
We
actually
received
several
so
far,
so
I'm
just
gonna
hip
hop
right
into
them.
A
B
D
Compensation
type
claim.
Then,
as
I
mentioned
this
unknown
of
other
types
of
liabilities,
the
tort
type
liabilities
of
either
customers
or
employees.
Making
claims
about
about
contracting
the
bars
that
those
seem
to
be
the
concerns
that
are
on
the
front
of
people's
minds
that
work.
The
health
and
safety
of
customers
and
employees.
Real,
quick,
Holly.
C
If
you
don't
mind,
I'm
gonna
make
sure
that
we
there's
a
piece
of
legislation
that
was
in
Senate
bill,
seven
before
passed
just
recently,
it's
in
Section
4.1,
for
it
actually
provided
a
time,
limited
civil
liability,
immunity
to
essential
businesses
for
injuries
or
death
resulting
from
customers
or
employees,
contracting
köppen
19
at
the
business.
The
immunity
is
also
extended
to
emergency
response
entities
with
regard
to
customers
that
do
business
with
the
entity
being
injured
as
a
result
of
period
19,
and
there
is
an
exception
in
there
for
gross
negligence,
reckless
misconduct
or
intentional
infliction
arm.
C
What
we've
been
advising
our
folks
to
do
is
make
sure
that
they
get
a
waiver
for
every
piece
of
activity
that
goes
on
within
their
business,
and
then
we
are
also
advising
most
of
our
businesses
to
make
sure
that
they
are,
if
you
are
like,
say,
for
example,
a
high-risk
business
or
your
business,
wherever
you
do
in
health
care.
There's
also
another
piece
within
that
piece
of
legislation
which
gave
healthcare
liability,
protection
for
emergency
or
disaster
treatment.
Now.
A
C
To
help
make
sure
that
that
situation
was
done,
they
talked
about
it
at
the
national
level,
they've
not
done
anything
at
it.
Yet
North
Carolina
was
very
proactive.
It's
important
to
note
that
this
was
bipartisan.
Every
single
member
of
the
General
Assembly
voted
for
it,
so
it's
going
to
be
heavily
supported.
I,
don't
think,
there's
going
to
be
a
lot
of
pushback
on
that,
but
the
most
definitely
the
most
important
issue
is
going
to
be.
If
you
are
deemed
non-essential
and
that's
there
gonna
be
the
question
within
the
law.
C
Kate
said
for
employees,
it
would
be
a
workman's
comp
issue
and
a
lot
of
those
issues
were
covered
in
the
family's
first
act
as
well,
in
terms
of
which
they're
gonna
have
to
do
for
those
folks
for
paid
leave,
and
then
the
potential
liability
on
that
will
only
extend
if
they
have
long-term
impacts.
After
after
the
actual.
B
G
When
you
make
it
in
network
stress,
you
know
how
it
takes
me
to
to
self
care
and
then
talking
to
some
of
the
small
businesses
that
you
know
I've
had
conversations
with
it
is
just
making
sure
that
that
they
are
are
working
and
thinking
about
themselves.
You
know
first,
you
know
it
reminds
me
I'm
a
financial
planner,
so
from
financial
planning
perspective
we
always
talk.
You
know
to
folks,
you
know
about
you
making
sure
you
reminding
them
a
lot
on
the
safety
brief
that
they
give
you
on
Airlines.
G
You
know
to
make
sure
that
you
put
your
mask
on
first
before
helping
other.
Also
when
I
think
about
you
know,
crisis
management
make
sure
that
you're
you're
doing
those
things.
You
know
that
to
take
care
of
yourself
it
they
give
you
joy,
because
so
that,
then
you
can,
you
know,
attack.
You
know
whatever's,
going
on
in
your
business
you're
from
there
I
mentioned
before
the
need
for
a
team.
You
know
so
you
surround
yourself,
you
know
with
the
team.
G
You
know
a
lot
of
small
businesses
have
done
a
great
job
of
creating
you
know
their
their
business.
So
now
it's
important
again
that
they
create
a
team
around
them
to
help
them
things
that
they
may
not
be
familiar
with
another
plug
for
a
resource.
You
know
the
small
business
center
here
in
Charlotte
I
know
is
created
this
rebound
program
where
they're
giving
you
know
businesses
an
opportunity
to
talk
with
MBA
recently
graduate
annika
graduate
students
with
an
MBA.
G
You
know
to
talk
through
different
crisis
management
situations,
big
picture
type,
things
that
you
as
a
small
business
owner
you're
focused
on
your
product
and
your
employees.
You
know
so
having
that
your
resource,
that's
available
to
you
I
think,
is
support,
but
I
can't
overemphasize.
You
know
the
need
for
for
self-care.
I
Sorry
I
just
I'm
in
respects
here,
I
think
from
a
crisis
management
perspective,
taking
some
time
to
reflect
on
everything.
We've
learned
from
this
experience.
I
know
it's
a
little
bit
difficult
right
now,
while
we're
still
in
the
middle
of
it,
but
I
know
you
know
from
a
financial
product
respect
that
a
lot
of
times
we'll
talk
to
small
business
owners
about
putting
a
line
of
credit
in
place
when
you
don't
feel
like
you
need
it,
so
that
should
something
unforeseen
happen.
G
G
E
E
As
the
so
having
a
networking
group
that
can
support
you
and
sort
of
direct
you
towards
the
people
that
you
can
work
with
and
that
you
can
get
answers
from
is
also
critical.
So
I
know
that
a
lot
of
the
networking
groups,
including
novel
that
we're
a
part
of
both
both
Beth
and
I,
are
part
of
the
National
Association
of
Women
business
owners,
we've
pivoted
into
creating
a
lot
of
online
resources
and
meetings
online,
so
that
business
owners
are
not
alone
and
that
helps
lower
the
stress
level.
B
That's
all
fantastic
information.
I
know,
Nava
has
done
an
amazing
job,
I'm,
a
dick
you're,
also
one
of
our
fantastic
partners
on
show
at
business
resources
and
yeah.
So
thank
you
for
doing
that
for
a
small
business
community,
let's
go.
This
is
I'm
gonna
direct
this
one
at
men
well,
but
feel
free
anybody
else
to
chime
in
I
think
this
is
actually
a
great
question
and
I
think
on
the
minds
of
several
business
owners.
So
the
question
is
for
businesses
that
have
plans
to
expand
prior
to
kovin
19.
H
That's
a
great
question,
and
today
I
just
came
out
of
the
capital
markets
Paul
a
little
clutch
like
that,
it's
very
fresh
information,
we're
looking
at
a
lot
of
activity
in
the
capital
markets
segment,
mainly
in
investment
banking.
So
today
it's
a
great
opportunity
actually
to
be
looking
for
that
additional
funds
or
money
to
expand
or
grow
or
to
do
have
a
planning
about
what
to
do
with
your
business.
H
We,
you
can
see
it
from
the
private
equity
side
or
the
venture
capital
side
to.
There
is
a
lot
of
cash
part,
so
if
you're
willing,
as
a
business,
to
have
a
from
a
minority
owner
to
to
any
any
structure,
this
is
a
good
timing.
I
want
to
be
waiting
for
it
again,
I
mentioned
in
the
beginning
that
we
we
are
looking
and
the
same
as
a
private
equity
side,
venture
capital
side,
they're
looking
at
companies
that
they
just
need
some
cash
flow.
They
were
very
good
companies.
H
E
By
the
way,
you
still
have
time
to
apply
for
the
PPP
loan.
The
Eid
alone
is
not
available
anymore,
and
it's
only
available
for,
for
its
case,
my
mind,
but
it's
a
segment
of
Agriculture,
so
the
Eid
alone
is
it's,
it's
it's.
It's
been
stopped
and
it's
only
available
to
agricultural,
but
the
PPP
loan
is
still
available
and
also
you
have
the
other
resources
from
the
city
of
charlotte
and
other
institutions
that
are
providing
those
and
grants.
If
you
don't
have
any
of
those
things,
what
do
you
need
to
do?
E
Is
you
need
to
sit
down
and
you
need
to
take
a
look
at
what
your
current
cash
flow
situation
is?
How
much
money
do
you
have
coming
in?
Do
you
have
accounts
receivable
and
what
are
your
payables?
What
are
the
most
imminent
bills
that
you
have
to
pay
and
which
ones
can
you
hold
on
to
until
your
cash
flows
coming
in?
So
this
is
the
time
to
really
look
at
the
numbers
with
a
magnifying
glass
or.
E
This
is
the
time
for
you
to
go
to
the
business
resources
and
start
looking
up
for
professionals
who
can
help
you
and
guide
you
through
the
process
and
make
sure
that
you
have
current
accounting
records
to
start
making
those
plans.
So
the
one
thing
that
I
would
say
is
don't
be
afraid.
You
know
the
worst
thing
that
you
can
look
at
that
you
can
do
is
just
ignore.
E
The
situation
you
just
have
to
you
know,
face
it
and
and
look
for
help,
even
if
it's
just
to
discuss
what
you
have
at
hand,
so
that
other
ideas
can
come
forward
to
help
you
make
decisions
in
regards
to
your
to
your
cash
flow
so
that
you
can
maintain
your
business
afloat.
While
this
is
going
on,
I
think.
B
G
B
G
If
I
can
add
yeah
it's
a
carefully
in
this
point
yeah.
This
is
not
the
time
to
put
your
head
in
the
sand
because
you
do
have
those
resources
that
are
available.
You
know
Beth
mentioned
you
know
what
what
or
her
organization
is
doing
in
regards
to
you
know
to
loan
modifications
things
of
that
nature.
You
know
those
those
businesses
who
have
you
know
a
storefront
or
retail.
You
know
space
going
to
their
landlords
and
things
like
that
and
asking
for
some
level
of
modifications
and
things
of
that
nature.
G
I
think
it's
good,
you
know,
but
you
know
as
a
financial
planner.
This
is
absolutely
the
time
you
know
to
you,
know,
see
and
determine
who's
in
your
pocket
and
to
see
what
expenses
you
can
cut
as
you
move
forward
and
then
just
the
same
as
plug
in
regards
to
the
TPP,
as
karolina
mentioned,
there
are
still
resources,
yes,
funds
available.
You
know
within
that
second
round
of
monies
that
that
was
approved.
You
know
we
as
an
organization
we're
still
aggressively,
you
know,
still
pushing
out.
G
You
have
those
loans,
and
now
we're
really
focusing
on
you
know
the
independent
contractors.
You
know
the
sole
proprietors
that
that
were
left
out
in
left
out
for
it.
For
several
reasons.
You
know
we
talked
you
know
early
on
about
in
the
lack
of
relationships.
You
know
having
a
CPA
or
something
like
that.
You
know
we're
for
civil
riders
as
well
as
independent
contractors.
They
have
to
have
a
Schedule
C.
G
You
know
in
order
to
determine
you
know
what
them,
what
what
amount
of
money
that
they
could
qualify
for
and
for
some
you
know
small
business
owners
they
may
not.
Have
you
know
the
resource?
You
know
they
have
a
boot
keeper,
but
they
might
have
that
CTA.
You
know
they're
kind
of
slow,
so
you
know
they.
You
know
they've
heard
you
know
some
of
the
rumors
that
you
know,
but
in
fact
you
do
know
that
here's
the
time
that
began
to
reach
out
to
some
organizations
to
maybe
assist
you.
G
You
know
with
you,
know
your
tax
returns
and
then
we
are
more
than
happy
to
assist
you
with
with
obtaining
a
PPP
loan.
So
you
can
just
go
to
self-help,
you
know
dot
org
and
we
have
a
link.
You
know
there
were
the
team
that
we
put
together.
That's
nests
close
on
that
you
know,
can
assist
your
quarterly
I.
Think.
B
That's
fantastic
and
you're
right,
just
making
sure
you
have
the
correct
information,
I
think
is,
is
really
a
huge
part
of
this
of
this
small
businesses,
mitigating
and
working
through
cope
in
nineteen.
So
thank
you
for
that.
My
next
question
is
for
Beth.
If
a
business
owner
is
worried
about
their
credit
with
juggling
the
challenges
of
kovat,
what
are
some
tools
they
can
use
to
mitigate
their
concerns.
I
Some
industries
are
thriving
right
now
and
some
are
really
struggling
and
some
are
doing
no
team
now,
but
depending
on
what
happens
next
with
the
economy,
there
could
be
some
additional
challenges
so
talking
to
someone
who
can
give
you
the
right
advice
on
what
to
do
next,
and
is
it
the
right
time
to
be
taking
out
a
loan
summers
that
is
going
to
put
more
pressure
on
your
business
long
term?
Or
are
you
even
in
a
position
to
be
able
to
take
out
a
loan?
I
As
some
of
my
fellow
panel
members
upset,
you
know,
it's
business
has
been
tough
last
couple
of
months.
That
could
be
a
challenge
when
trying
to
get
traditional
lending,
but
whether
it's
you
know
spotty
and
you
know-
self-help
credit
union
of
CDFIs
that
I
mentioned
before
you
know
there
are
other
non-traditional
lenders
who
may
be
able
to
provide
access
to
capital
or
even
looking
at
something
like
a
credit
card
that
you
know
we
think
of
as
more
of
a
purchasing
tool.
So
it's
depending
on
what
your
your
business
needs
are.
I
That
may
be
a
good
option
for
you
as
well,
and
then
the
answer
may
come
back.
As
you
know,
you
just
need
to
sit
tight
for
a
little
bit.
This
is
not
the
time
for
your
business
to
be
taking
on
additional
debt,
some
additional
loans
or
anything
like
that,
but
talk
about
things
curling
the
Fed,
which
talks
when
we
pull
back
on
some
expenses
or
how
come
we
more
tightly
managed
our
necessary
cash
flow
in
the
short
run
and
then
put
some
plans
in
place
for
the
long
run.
B
Excellent,
thank
you.
So
much
I
really
appreciate
that.
That's
really
good
information,
so
the
I
think
we
have
time
for
one
more
question
and
I'm
gonna
start
with
you
Larry
and
Kate,
if
you'd
like
to
chime
in
too.
But
the
question
that
came
in
from
a
small
business
owner
is
what
questions
can
we
as
meaning
we,
as
small
business
owners,
ask
employees
about
their
health
status.
D
D
Hoyer's
can
ask
health
screening
questions
about
symptoms
in
health.
Screening
is
symptoms,
fever
cough
shortness
of
breath,
some
of
those.
What
we
know
and
now
are
the
coded
nineteen
health,
health
symptoms.
Other
screening
questions
that
employers
can
and
should
ask
about,
would
be
about
travel
or
other
potential
exposure.
The
North
Carolina
Department
of
Health
and
Human
Services
and
their
guidance
has
a
link
to
a
document
which
is
a
daily
health
screening
form.
D
There's
an
English
version
in
this
man
version
to
use
with
employ
that
they
recommend
to
use
as
employees,
and
that
would
be
a
basis
I
think
to
work
on
you,
your
your
you're,
juggling
again
the
the
public
health
crisis
that
we're
in
with
employee
privacy-
and
you
have
to
be
very
mindful
of
that
and
protect
the
confidentiality
of
those
responses
that
you
receive,
but
you
can
under
what
the
guys
we're
getting
from
the
federal
government.
Ask
those
questions
about
symptoms
when
people
come
in
each
day.
D
This
the
state
guidance
says
that
some
business
and
employers
must
ask
that
I,
believe
I,
know
retailers
and
I
think
restaurants,
but
look
at
your
guidance
to
see
if
you're
only
recommended
to
do
the
daily
screening
or
require
to
do
the
daily
screening.
So
those
are
things
you
ask
you
can't
you.
You
should
not
be
asking
as
a
general
rule
again
this
is
complicated,
but
general
rule.
You
should
not
be
asking
employees
if
they
have
an
underlying
health
condition
that
puts
them
at
a
higher
risk
for
Kovic.
D
If
someone's
self
discloses
that
to
you,
then
you
can
help
them.
Take
the
safest
precautions
that
they
that
you
can
for
them,
because
we
know
that
there
is
a
group
of
our
population
who's
at
higher
risk,
but
you
should
not
be
directly
asking
people
if
they
are
at
higher
risk
and
if
they
share
with
you
that
you
are
again
that's
health
information
that
you
need
to
retain
as
confidential
Larry.
Any
other
points
on
that
yeah.
D
C
C
To
do
if
you'll
follow
all
the
guidelines
that
you're
getting,
but
not
just
making
sure
that
you
manage
the
privacy
of
all
of
this
medical
information,
but
you're
also
going
to
want
to
deal
with
it
from
a
from
an
employee
morale
perspective.
You're
gonna
want
to
keep
private.
If
someone
is
sick,
you're
gonna
want
to
manage
rooms.
You're
gonna
want
to
make
sure
that
there's
not
a
lot
of
oh
this
person
is
here.
Is
this
person?
Is
there
we
got
a
call
and
I
will
use
this.
C
As
a
hypothetical
hypothetically
employer
calls
says,
one
of
my
employees
went
to
a
rally.
Do
I
have
to
quarantine
him
for
14
days,
and
the
question
was
well
no,
but
you
need
to
make
sure
that
if
he
or
she
is
showing
signs
of
symptoms
and
if
he
or
she
does
not,
you
know
meets
that
needs
to
answer
the
health
screening
questions
that.
C
So
again,
like
emphasizing
what
Kate
said,
that
balance
is
so
important,
making
sure
that
you
are
balancing
the
privacy
of
the
individual
with
the
collective
desire
for
health
among
the
entirety
of
your
employee
base.
It's
very
sensitive.
It
requires
a
lot
of
patience.
We
have
a
saint
here,
Shannon
Mackintosh,
with
the
McIntosh
law
firm.
Who
is
in
charge
of
all
of
that
she
does
a
great
job,
but
if.
C
Specifically
about
that
you're
gonna
want
to
talk
to
your
attorney
again.
The
plug
for
Kate,
Robbins
I
know
a
lot
of
good
folks
over
there
at
that
firm,
but
you're.
Definitely
gonna
want
to
make
sure
to
consult
your
HR
specialist
until
your
HR
specialist.
But
if
you
don't
have
one
you
can
go
to
a
payroll,
expert
or
attorney,
but
you're
gonna
want
to
make
sure
that
that's
what
you're!
That's
what
you're
doing
to
staying
up
to
date
and
balancing
the
needs
of
both
both
the
individual
and
and.
D
D
From
the
Department
of
Health
and
Human
Services,
it
talks
about
what
to
do
even
a
what
you
need
to
think
about
if
an
employee
shows
sometimes
at
work
or
if
the
employee
calls
and
says
I've
been
at
work,
but
now
I
know
I'm
and
how
you
should.
You
must
notify
other
employees.
What
you
can
say
and
what
you
can't
so
I
would
send
you
to
that
and
Larry
made
a
very
good
point.
D
All
of
these
in
human
I
think
putting
aside
the
legal
issues,
keeping
the
morale
and
the
relationships
among
your
employees,
and
that
human
element
is
just
isn't
so
important
right
now
and
and
takes
the
good
judgment
and
keeping
those
relationship.
Strong
well
well
course
serve
every
business
in
the
long
run.
B
So
this
has
been
incredible
information.
Thank
you
so
much
for
answering
that
question
so
thoroughly.
It's
I
think
we
ended
on
exactly
a
place
that
I
think
all
of
our
small
business
owners
wanted
to
hear
about.
Thank
you
for
this
panel.
It
was
extensive.
It
was
thorough
to
me.
It
gave
all
the
information,
the
the
beginnings
of
the
information
that
our
small
businesses
are
asking
for,
and
we
value
each
of
you
for
spending
the
time
with
us
today.
B
So
thank
you
so
much
so
we're
gonna
close
out
for
the
day
next
week,
we'll
be
back
at
one
o'clock
and
and
follow-up
to
this
fabulous
panel,
we're
actually
going
to
have
a
session
on
business,
resiliency
and
continuity
planning.
That
will
be
incredibly
interesting.
So
please
join
us
next
week,
1:00
p.m.
on
Tuesday
and
thanks
and
everybody
have
a
great
day.