Rodricks: He thought his PPP loan would be forgiven. Instead, he got a bill from his bank.

Bob Kleinschmidt is a mild-mannered, self-employed management consultant and corporate leadership coach. He teaches managers how to be better managers, and all workers of the world know what a vital service that can be. Kleinschmidt has been doing this sort of work for 20 years, the last five trading as C3 Transformation. His clients are in health care and higher education, biotech and pharmaceuticals; they include managers in government agencies, companies and nonprofits.