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jay-j the CPA here breaking news on the SBAs guidelines that have come out as it relates to the self-employed much-needed guidelines really has simplified it makes it easy couple of big things to note is that the loan is going to be based on 2019 Schedule C period the end the only way its not based on 2019 is if a business was not in business in 2019 and then you can base it on 2020 but it says additional information to be released on how that would be done so for those of you that are sole proprietors but heres the thing - no thats a Schedule C a Schedule C is where 1099 miscellaneous is reported so I know we have a breakdown between independent contractors the eligible self-employed as well as the sole proprietor but all of those in a practical manner are reported on Schedule C unless you are an independent contractor that does it deduct any of your expenses then of course youre just taking in your 1099 and you are indicating that that is your income you dont have any expenses