FILE – In this April 23, 2020 file photo, a sign is posted on a closed store in North Miami, Fla. Small businesses hoping for more leeway in using coronavirus loan money were disappointed as the government released instructions for seeking forgiveness for the loans. Forms the Small Business Administration released late Friday, May 15, 2020 didn’t address two concerns shared by many owners about the Paycheck Protection Program. (AP Photo/Wilfredo Lee, File)

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