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Demetra: I was thinking, as you, as you look at your

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your cashflow, your cash is of paramount importance,

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and you have, you're looking through your expenses

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and you want to balance that out.

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And if you're considering the decrease,

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expenses are decreasing,

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what options could a cardiologist consider,

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when they should first look at,

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and what hidden costs that a cardiologist

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should look to reduce right away?

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Calvin: I guess you really Demetra, you really have to take a look at

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you know, you have to go on the basis that a lot of the costs

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that are in a cardiologist's
office or in a group practice,

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a lot of those costs are going to be somewhat fixed.

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There's going to certainly be rent, there is going to be supply costs,

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utilities, staffing costs and some of those things

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you may not be able to do a lot with.

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Obviously once again, take advantage of government programs

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that can offset the wage cost and the rent cost.

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But certainly, you know, there are opportunities

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to have some payment deferrals,

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whether that's in terms of payments to suppliers,

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payments in terms of taxes, that sort of thing.

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You should definitely take a look at that.

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I think it's a really good time to take a look

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at your overall staffing levels

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and see what complements of staff you need.

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Going forward, take a look at technology,

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how you may be able to actually bring in some different ways

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of doing things, using technology,

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and perhaps that can ease up in terms of the staffing levels.

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Certainly, there may be some deferral

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in terms of technology updates.

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So, you might have a wish list,

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but perhaps given the current situation of cash flow,

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these things may have to be looked at more seriously.

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Certainly in terms of, you know,

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if there's also deferrals with debt,

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in terms of working with your bank.

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And then, making some good decisions if you

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really cannot put off the purchase of technology,

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perhaps it is really a good time

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to take a look at a lease versus buy decision.

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So, it's not always necessarily the right answer

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that you should purchase that piece of equipment.

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It might make more sense from a tax

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and from an obsolescence factor

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to lease that equipment.

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And so I think that,

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those are some decisions that have to be made and things,

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things that have to be looked at very seriously.