Thank you, thank you, thank you to the amazing Chris Lake, CEO of JNC Lake Associates, for her referral to a client who wanted to apply for a PPP loan (the client subsequently referred someone to me as well). Chris, an expert in R & D tax credits, is brilliant. She has made me a favorite person among the people I have referred to her, as they have received tens of thousands of dollars in R & D tax credits (aka REFUNDS) as a result of the introduction.