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" ... The 25% revenue reduction is the new twist, and you can calculate it in a few ways. You can compare your quarterly gross receipts for one quarter in 2020 with gross receipts for the corresponding quarter of 2019. Here’s the example they use in the IFR: a borrower with gross receipts of $50,000 in the second quarter of 2019 and gross receipts of $30,000 in the second quarter of 2020 has experienced a revenue reduction of 40 percent between the quarters and is therefore eligible for a Second Draw PPP loan. ... "
" ... The main takeaway is that any business that did not receive a PPP loan previously, or those businesses that experienced a 25% reduction in revenue in one quarter of 2020 over 2019, can apply for this new round of PPP. Even more helpful, businesses, sole proprietors, and independent contractors applying for loans of $150,000 or less and based on the same calculation as round one—2.5 times one month of 2019 payroll—do not have to submit new documentation if applying through the same lender. The new regulations do give lenders the ability to request additional documentation from borrowers if they deem it necessary. ... "
" ... The reduction of logistical and geographical barriers has also helped reduce the cost of outsourcing business processes. Further cost reductions become possible when businesses largely eliminate the physical overhead of maintaining staff, office space and equipment. ... "
" ... This reduction in gift spend was also reflected in the key purchases that those surveyed were planning on making. Nearly half (48%) were planning on spending on essential items (as opposed to gifting), particularly clothing, beauty/personal care, and electrical. ... "
" ... “Meat reduction has the potential to put an end to some of the cruelest factory farming practices, such as extreme confinement, the overuse of antibiotics and brutal mutilations,” Loria says. ... "