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      "text": "CONFIDENTIAL AND PROPRIETARY. Any use of this material without specific permission of McKinsey & Company is strictly prohibited. 1. These are intended to be actions for consideration rather than a specific set of recommended actions",
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      "text": "Initiative 3: Take local action to help SMBs stay financially stable. 3A: Delay/help manage expenses. 3B: Stimulate demand. 3C: Accelerate receivables. 3D: Offer grants to SMBs.",
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      "text": "Initiative 2: Support the “missing market” of SMBs in the state. 2A: Create a coalition of community banks. 2B: Incentivize lending. 2C: Expand CDFI program. 2D: Offer low/no-interest bridge loans.",
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