Tom, where do the rules say that you can't use more than 75% for payroll? I've seen several places where it says you must use at least 75%, but not that you can't use more than 75%. My lender told me I could use 100% for payroll. They also told me that they'd be contacting me 6-8 after I received it so I should try to distribute it in 6 weeks.

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