ASSAF GAL (CRUNCH GYM FRANCHISE OWNER): The formula that they've put in for 75% of the funds utilized for payroll, within an 8 week period from funding, it isn't really workable for the health club business.
BRIAN KILMEADE (CO-HOST): So you don't need more debt when you open up your door. So it's got to be converted to a grant outside of the interest. So if they tell you take 75% of the money we give you and put it toward your employees, it doesn't add up. You need almost a 50/50 or in some cases 60-40, and you need to walk into that bank. They can't tell you how to run your business, you have to tell them what it takes to run your business, right?
KILMEADE: You have a lot of part-time employees, instructors, they have to go on unemployment, it's more money. And unemployment is so attractive now, a lot of them don't want their jobs back. They get paid more not to work.