significantly on the ground and thank god for partners like michael brady at third avenue bid for demetriuss at spring bank. we need to find creative ways on the ground. we've launched a relief effort to help with this as well. led by derrick lewis and julie diamond foundation and others to help our small businesses not being assisted. >> mr. blake, sorry to interrupt. explain that to us. i understand you're relying on fill philanthropy p and thank gr the folks who are helping. why wouldn't the federal money make it to the bronx to understand the disconnect. >> when you have a cash economy, a restaurant, barbershop, beauty salon, everyone has to sign up with a 1099 contractor is unrealistic. you have an immigrant community that have not been able to be engaged and are afraid of the government. therefore, they're not online. the larger banks, first come, first serve approach did not engage with us on the ground at all. it was not sufficient technology to help our smaller banks with applications. only 70 applications were approved in the bronx when there's more than 23,000. that demonstrates