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In 2020 the government instituted the Payroll Protection Program, fondly known as #PPP . At the same time there was another program initiated call the Employment Retention Credit #ERC Initially the deal was that if you applied for PPP you could not apply for the ERC. Almost every small business applied for the PPP because it was easy to do as the banks administered it for you. Then the pandemic got worse and in early 2021 the law changed so that even if you received PPP you could now also get th
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