So employers can now include the following in when they're tackling their average monthly payroll. So there's nothing-- remember, when you're applying for PPP, you've got to calculate your average monthly payroll. That's the same as before.
But what they've added is you can now include group life, disability, vision, and dental insurance in that. OK, so that's a positive for a lot of folks listening in, as you can include those payments in the payroll calculation. Remember, when applying for the loan, I'm going to figure out what my monthly average payroll is times 2.5.
And that'll be the maximum loan I can get up to the $2 million for the second draw, up to the $2 million cap. So 2.5 times payroll.