Federal Reserve Bank of New York. "2019 Saw Continued Revenue Growth Among Small Employer Firms, but Funding Shortfalls and Financial Challenges Threaten Ability to Weather COVID-19 Crisis," Press Releases of the Federal Reserve Bank of New York (April 7, 2020). https://fraser.stlouisfed.org/title/7035/item/645386, accessed on March 23, 2025.