There is stress, which you just talked about earlier. That's always a problem. There is the ability to produce, as Mr. Godin was saying before, and although I wouldn't go as far as to say “unable” to produce, it vastly diminishes their ability, because you work very hard in putting together a one-year plan and then you get funding for six months, or it comes six months late, so you readjust and you start to cut things. In the organization I was with, we started doing our plan in November. We made three plans. This was four years ago. If the late funding comes as it usually does, we'll go to our board and back up and say, instead of one, two, three, four, five, we're going to do numbers one, two, and three. That is what happens.
Yes, the impact is there. People are creative. It's not only a question of bank accounts or credit cards. In one organization all the people agreed to take two months off without pay in the summer. That allows them to be better able to work in the other 10 months. That saves money. People find ways to make it work.