There is no reason for you to react the way you did. I simply pointed out that we have a different level of intellectual capacity. The way I would analyze / interpret  the information and what I would focus on may be different from how you do it.  Remember my decision tree example? It's build using sequential order (not random) listing things like PPP criteria in consecutive order with eligibility criteria being the first on the application.  If you can't meet the biz type you can't apply for PPP loan, full stop.

I will use your own earlier point....

You stated that I chose to ignore SBA's safe harbor provision and that such provision is pretty fatal to my further debating.  SBA did clarify that borrowers who received less than $2 million in loans made the required certification in good faith, and that SBA would presume that the loan was “necessary to support ongoing operations.”

However, SBA's safe harbor does NOT excuse borrowers from NOT complying with required business type eligibility.  And that is what I have stressed upon from the very beggining. It's simply irrelevant if OPA needed the money or not; OPA is  501(c)(4) biz type and those were NOT on SBA's list of eligible nonprofits. 

Here is what SBA said about nonprofits:    "While nonprofits traditionally have not been able to participate in SBA loan programs, that changed with the CARES Act. The PPP, administered by the SBA pursuant to its 7(a) business loan program, is available to Section 501(c)(3) charities or 501(c)(19) veterans organizations that (i) were operational on or before March 1, 2020 and (ii) either (A) have fewer than 500 employees (taking into account full and part-time employees and employees of affiliates) or (B) meet the SBA employee-based size standards for the industry in which they operate. On May 3, 2020, the SBA expanded the eligibility criteria to include certain nonprofit hospitals that are tax-exempt but have not been recognized as exempt under Section 501(c)(3) of the Internal Revenue Code."