{"id":41767,"date":"2023-12-14T14:22:40","date_gmt":"2023-12-14T14:22:40","guid":{"rendered":"https:\/\/www.pantheregroup.com\/2023\/12\/14\/top-business-group-downplays-ceba-loan-repayment-concerns\/"},"modified":"2023-12-14T14:22:40","modified_gmt":"2023-12-14T14:22:40","slug":"top-business-group-downplays-ceba-loan-repayment-concerns","status":"publish","type":"post","link":"https:\/\/www.pantheregroup.com\/2023\/12\/14\/top-business-group-downplays-ceba-loan-repayment-concerns\/","title":{"rendered":"Top business group downplays CEBA loan repayment concerns"},"content":{"rendered":"<p> \n<\/p>\n<div id=\"\">\n<header aria-label=\"Beginning of Article\" class=\"article-header article-header--story\">\n<nav aria-label=\"Breadcrumb\" class=\"breadcrumbs\" data-aqa=\"nav-breadcrumb\">\n<p>Breadcrumb Trail Links<\/p>\n<ol class=\"breadcrumbs__items list-unstyled\">\n<li class=\"breadcrumbs__item\">Small Business<\/li>\n<li class=\"breadcrumbs__item\">News<\/li>\n<li class=\"breadcrumbs__item\">Economy<\/li>\n<\/ol>\n<\/nav>\n<div class=\"article-header__detail\">\n<div class=\"article-header__detail__texts\">\n<p class=\"article-subtitle\">Canadian Chamber of Commerce takes optimistic view on ability of small business to repay loan, but CFIB disagrees<\/p>\n<div class=\"callout callout--noindent flex-align-center flex-justify-between\" data-callout=\"\"><span class=\"callout__text\"> Get the latest from Naimul Karim straight to your inbox <\/span><button class=\"button button--icon button--primary-alt\" data-id-login-redirect=\"https:\/\/financialpost.com\/author\/nkarim\/newsletters\/\" type=\"button\"><span class=\"button__text\">Sign Up<\/span> <span aria-hidden=\"true\" class=\"button__icon\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 11 11\" width=\"11\"><polygon points=\"1.1 0 7 6 1.1 12 0 10.9 4.8 6 0 1.1\"\/><\/svg> <\/span><\/button><\/div>\n<div class=\"article-meta\">\n<p><span class=\"published-date__since\">Published Dec 14, 2023<\/span> \u00a0\u2022\u00a0 <span class=\"published-date__word-count\">3 minute read<\/span><\/p>\n<\/p><\/div>\n<\/div>\n<figure class=\"featured-image\" data-aqa=\"featured-image\"><picture class=\"featured-image__ratio\"><source media=\"(min-width: 1200px)\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=564&amp;h=423&amp;type=webp&amp;sig=CT1xiHI9dSQA4-Sb146TMQ,&#10;            https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=1128&amp;h=846&amp;type=webp&amp;sig=c0YW3s5xftyfy5GF-_GKgA 2x\" type=\"image\/webp\"><source media=\"(min-width: 1200px)\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=564&amp;h=423&amp;type=jpg&amp;sig=4ByqeiycZOz3sPZV8fXwzg,&#10;                https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=1128&amp;h=846&amp;type=jpg&amp;sig=-Od52ueWBABgfUsm4qTzfQ 2x\" type=\"image\/jpeg\"><source media=\"(min-width: 768px)\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=472&amp;h=354&amp;type=webp&amp;sig=q9ddRzDcveVB0VyDAy5Yzw,&#10;            https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=944&amp;h=708&amp;type=webp&amp;sig=dDo9zpSUnNk0PQ2xlpALfg 2x\" type=\"image\/webp\"><source media=\"(min-width: 768px)\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=472&amp;h=354&amp;type=jpg&amp;sig=VkkVR5Cc1BqAyLKeT0-lrg,&#10;                https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=944&amp;h=708&amp;type=jpg&amp;sig=ntrr8Rx5be3L2RU7O0tAzg 2x\" type=\"image\/jpeg\"><source media=\"(max-width: 767px)\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=288&amp;h=216&amp;type=webp&amp;sig=dHKyg_YI1OHCwBs9_9kq2Q,&#10;            https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/ceba-vw1214.jpg?quality=90&amp;strip=all&amp;w=576&amp;h=432&amp;type=webp&amp;sig=SOcWNrgYxzQgXPNkZWsiJg 2x\" type=\"image\/webp\"><\/source><\/source><\/source><\/source><\/source><\/picture><figcaption class=\"featured-image__caption image-caption\"><span class=\"caption\">A pedestrian walks past a store in Toronto during the COVID-19 pandemic, on June 12, 2020.<\/span> <span class=\"credit\">Photo by Peter J. Thompson\/Financial Post<\/span><\/figcaption><\/figure>\n<\/div>\n<\/header>\n<section class=\"article-content__content-group article-content__content-group--story\">\n<h2 class=\"visually-hidden\">Article content<\/h2>\n<p data-async=\"\">Concerns raised by some small businesses about a pandemic-era loan that\u2019s due in a month may not be the \u201cfull-blown crisis it\u2019s been presented by many to be,\u201d says the Canadian Chamber of Commerce, countering the view of one of the country\u2019s largest association of small businesses.<\/p>\n<p>\u201cIt\u2019s hard to say this (loan) program hasn\u2019t served its intended purpose,\u201d Matthew Holmes, a senior vice-president at the Canadian Chamber of Commerce, said in a statement. \u201cFor the majority of businesses, it appears to have been the support they needed from government, when they needed it the most.\u201d<\/p>\n<\/section>\n<div class=\"ad__section-border article-content__ad-group ad_counter_2\">\n<section 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class=\"identity-intro__description\">Create an account or sign in to continue with your reading experience.<\/p>\n<ul class=\"list-unstyled list-checkmark\">\n<li>Access articles from across Canada with one account.<\/li>\n<li>Share your thoughts and join the conversation in the comments.<\/li>\n<li>Enjoy additional articles per month.<\/li>\n<li>Get email updates from your favourite authors.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/header>\n<\/section>\n<\/div>\n<section class=\"article-content__content-group article-content__content-group--story\">\n<p>Article content<\/p>\n<\/section>\n<section class=\"article-content__content-group article-content__content-group--story\">\n<p>Article content<\/p>\n<p data-async=\"\">However, he also said some small businesses will continue to face hardships and struggle to return to pre-pandemic levels, and urged the government to better support them by looking into their unique obstacles in repaying Canada Emergency Business Account (CEBA) loans.<\/p>\n<p>CEBA provided loans up to $60,000 to around 900,000 small businesses until June 2021 to help tackle the economic impacts of the pandemic. The conditions on repaying the loan have been changed as businesses warned they are still struggling to recover.<\/p>\n<p>Until September, repaying the loan by Dec. 31, 2023, would have allowed businesses to receive a loan forgiveness grant of up to $20,000. Failing to pay it off would lead to interest of five per cent per year being charged on the loan and the full principal would be due Dec. 31, 2025.<\/p>\n<p>The government in mid-September extended the loan repayment deadline by a year to Dec. 31, 2026. But the deadline to meet the condition for the forgiveness grant was pushed out by just 18 days to Jan. 18, 2024.<\/p>\n<p data-async=\"\">Small businesses have repeatedly urged the government to further extend the deadline. The federal government, though, hasn\u2019t shown any signs of providing more leeway yet.<\/p>\n<\/section>\n<div class=\"js-widget-content article-content__widget-group article-content__widget-group--content-slot17 article-content__widget-group--newsletter-slot\">\n<section class=\"newsletter-widget__new-story-page fp-headlinenews background--primary-light-gradient\" aria-labelledby=\"FinancialPostTopStories3093704965066133691484174800650240\" data-account-id=\"b9d3df2fccd108b5eff3c44f573b2cd6\" data-aqa=\"widget-newsletter\" data-newsletter=\"single\" data-newsletter-component=\"\" data-target-list=\"FP_HeadlineNews\" data-widget=\"newsletter\">\n<div class=\"newsletter-new-story-page-template\">\n<div class=\"newsletter-widget__header__new-story-page\">\n<div class=\"newsletter-widget__banner__new-story-page\"><img decoding=\"async\" alt=\"Top Stories\" loading=\"lazy\" src=\"https:\/\/dcs-static.gprod.postmedia.digital\/15.0.2\/websites\/images\/newsletters\/icon-fp-topStories.svg\"\/><\/div>\n<div>\n<p>Top Stories<\/p>\n<p class=\"newsletter-widget__text__new-story-page\">Get the latest headlines, breaking news and columns.<\/p>\n<\/div>\n<\/div>\n<div class=\"newsletter-widget__body__new-story-page\">\n<div class=\"js-replace-main__new-story-page\">\n<p class=\"newsletter-widget__disclaimer__new-story-page text-size--tiny\">By signing up you consent to receive the above newsletter from Postmedia Network Inc.<\/p>\n<\/div>\n<div class=\"js-submit-success\" hidden=\"\" id=\"submitSuccessFP_HeadlineNews\">\n<p>Thanks for signing up!<\/p>\n<p class=\"newsletter-widget__text__new-story-page\">A welcome email is on its way. 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Please try again<\/p>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<section class=\"article-content__content-group article-content__content-group--story\">\n<p>Article content<\/p>\n<\/section>\n<div class=\"ad__section-border article-content__ad-group ad_counter_3\">\n<section aria-describedby=\"advertisment4490640109812051677161309134127104\" class=\"ad\">\n<p>Advertisement 3<\/p>\n<div class=\"ad__container\">\n<div class=\"ad__inner\" id=\"ad__inner-3\">\n<div class=\"ad__inner__container\" data-ad=\"[[7,7],[1200,250],[1200,90],[970,90],[970,250],[728,90],[300,250]]\" data-ad-interscroller=\"7x7\" data-ad-loc=\"3\" data-ad-mobile=\"[[7,7],[300,250],[320,50],[300,50]]\" data-aqa=\"advertisement\" id=\"ad-3\" style=\"--desktopHeight:250px;--mobileHeight:250px\">\n<div aria-hidden=\"true\" class=\"ad__placeholder\">\n<p>This advertisement has not loaded yet, but your article continues below.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<section class=\"article-content__content-group article-content__content-group--story\">\n<p>Article content<\/p>\n<p>Businesses that can\u2019t repay the loan by January can extend the deadline to qualify for the partial loan forgiveness to March 28 by making a refinancing application with the institution that provided their CEBA loan by Jan. 18, 2024, but critics say the move just encourages businesses to take one loan to pay the other.<\/p>\n<p>The chamber\u2019s optimistic view relied on previously released data by Statistics Canada that said 65.6 per cent of businesses anticipate repaying the CEBA loan by Dec. 31, 2026. Of businesses that received the loan, 71.8 per cent had not paid it back fully at the time of the survey conducted between Oct. 3 to Nov. 6.<\/p>\n<p>Holmes said the data highlighted the success of the CEBA program and showed that businesses were \u201creliable borrowers and showed grit in capitalizing on CEBA support to stay in operation.\u201d<\/p>\n<p data-async=\"\">But the Canadian Federation of Independent Business (CFIB) disagreed with the chamber\u2019s assessment.<\/p>\n<p>\u201cI have a lot of respect for the chamber,\u201d CFIB\u2019s chief executive Dan Kelly said. \u201cBut their perspective on the data is surprising. It\u2019s short-sighted.\u201d<\/p>\n<p>He said nearly one-third of the 900,000 small businesses that took the loan still can\u2019t pay it back three years after the pandemic, which \u201csounds like a crisis.\u201d He added that businesses have depended on other loans aside from the CEBA to survive the pandemic, during which many had to shut down due to nationwide restrictions.<\/p>\n<\/section>\n<div class=\"ad__section-border article-content__ad-group ad_counter_4\">\n<section aria-describedby=\"advertisment961289577762144350215641166249984\" class=\"ad\">\n<p>Advertisement 4<\/p>\n<div class=\"ad__container\">\n<div class=\"ad__inner\" id=\"ad__inner-4\">\n<div class=\"ad__inner__container\" data-ad=\"[[1200,250],[1200,90],[970,90],[970,250],[728,90],[300,250]]\" data-ad-loc=\"4\" data-ad-mobile=\"[[320,50],[300,50],[300,250]]\" data-aqa=\"advertisement\" id=\"ad-4\" style=\"--desktopHeight:250px;--mobileHeight:250px\">\n<div aria-hidden=\"true\" class=\"ad__placeholder\">\n<p>This advertisement has not loaded yet, but your article continues below.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<section class=\"article-content__content-group article-content__content-group--story\">\n<p>Article content<\/p>\n<p>Kelly said about half of those that can repay the CEBA loan are doing so by taking another loan.<\/p>\n<p>\u201cThey will borrow from their bank, but they are having to forego other expenses, like improving wages or investing in another piece of machinery or equipment,\u201d he said. \u201cThey are starving the business of oxygen to service the debt.\u201d<\/p>\n<section aria-labelledby=\"moreTopicLabel3290290205967107918532812134678528\" class=\"more-topic\" data-aqa=\"embed-more-topic\" data-carousel-component=\"\" data-carousel-icon-button=\"\" data-carousel-type=\"list\">\n<p>Related Stories<\/p>\n<p><button aria-hidden=\"true\" class=\"more-topic__button-prev\" data-carousel-prev=\"\" tabindex=\"-1\" title=\"previous\" type=\"button\"\/><\/p>\n<ol class=\"more-topic__items list-unstyled\" data-carousel-slide-list=\"\" tabindex=\"0\">\n<li class=\"more-topic__item\" data-carousel-item=\"\"> <picture class=\"more-topic__item-image\"><img decoding=\"async\" alt=\"Holiday shoppers at the Eaton Centre in Toronto.\" data-src=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/no1213shopping.jpg?h=96&amp;strip=all&amp;quality=80&amp;sig=fzUwh19lhEpCbrOKYZIYeQ\" src=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/no1213shopping.jpg?h=96&amp;strip=all&amp;quality=5&amp;sig=ov-02u8hTBVja3A4Jh-RJg\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/no1213shopping.jpg?h=96&amp;strip=all&amp;quality=80&amp;sig=fzUwh19lhEpCbrOKYZIYeQ, https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/no1213shopping.jpg?h=192&amp;strip=all&amp;quality=80&amp;sig=OaL2CXuwK8J40SWodRDavQ 2x,&#10;                                             https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/12\/no1213shopping.jpg?h=288&amp;strip=all&amp;quality=80&amp;sig=1MlA8hJkwjjffNxMcSM4fA 3x\" class=\"lazyload\" height=\"96\" loading=\"lazy\" width=\"96\"\/><\/picture>\n<p><span class=\"more-topic__item-text-clamp\">High debt, missed payments add to pressure on businesses<\/span><\/p>\n<\/li>\n<li class=\"more-topic__item\" data-carousel-item=\"\"> <picture class=\"more-topic__item-image\"><img decoding=\"async\" alt=\"Losing the forgivable portion of the CEBA loan would put nearly 250,000 small businesses in  jeopardy, says the CFIB.\" data-src=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/09\/ceba-0915-ph.jpg?h=96&amp;strip=all&amp;quality=80&amp;sig=OGbeqRBRDkNY82KRFqiBPQ\" src=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/09\/ceba-0915-ph.jpg?h=96&amp;strip=all&amp;quality=5&amp;sig=bKP-aqReV9I1pI3mRN5uYQ\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/09\/ceba-0915-ph.jpg?h=96&amp;strip=all&amp;quality=80&amp;sig=OGbeqRBRDkNY82KRFqiBPQ, https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/09\/ceba-0915-ph.jpg?h=192&amp;strip=all&amp;quality=80&amp;sig=4vyWCNZO7wupenq-LooJyg 2x,&#10;                                             https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/09\/ceba-0915-ph.jpg?h=288&amp;strip=all&amp;quality=80&amp;sig=ifmeCseDfGb9KiWbpf7F1Q 3x\" class=\"lazyload\" height=\"96\" loading=\"lazy\" width=\"96\"\/><\/picture>\n<p><span class=\"more-topic__item-text-clamp\">Businesses: Ottawa\u2019s CEBA repayment extension misses point<\/span><\/p>\n<\/li>\n<li class=\"more-topic__item\" data-carousel-item=\"\"> <picture class=\"more-topic__item-image\"><img decoding=\"async\" alt=\"Nearly 250,000 small businesses who received the Canadian Emergency Business Account (CEBA) loan are in danger of shutting down because they aren\u2019t in a position to meet the repayment deadline, says the Canadian Federation of Independent Business.&#10;\" data-src=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/07\/ceba-loans-0727-ph.jpg?h=96&amp;strip=all&amp;quality=80&amp;sig=XsHEw3RJyNoIDsJXm3gzXQ\" src=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/07\/ceba-loans-0727-ph.jpg?h=96&amp;strip=all&amp;quality=5&amp;sig=oOGOW2ktVHl2GXfZqmuDeA\" srcset=\"https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/07\/ceba-loans-0727-ph.jpg?h=96&amp;strip=all&amp;quality=80&amp;sig=XsHEw3RJyNoIDsJXm3gzXQ, https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/07\/ceba-loans-0727-ph.jpg?h=192&amp;strip=all&amp;quality=80&amp;sig=Jg2O3OKo4nkGXCEEpjQRJg 2x,&#10;                                             https:\/\/smartcdn.gprod.postmedia.digital\/financialpost\/wp-content\/uploads\/2023\/07\/ceba-loans-0727-ph.jpg?h=288&amp;strip=all&amp;quality=80&amp;sig=mN03G3kPiFGYGrs3WJQt4A 3x\" class=\"lazyload\" height=\"96\" loading=\"lazy\" width=\"96\"\/><\/picture>\n<p><span class=\"more-topic__item-text-clamp\">Businesses warn of bankruptcy as deadline to pay back loans looms<\/span><\/p>\n<\/li>\n<\/ol>\n<p><button aria-hidden=\"true\" class=\"more-topic__button-next\" data-carousel-next=\"\" tabindex=\"-1\" title=\"next\" type=\"button\"\/><\/section>\n<p>Kelly said CEBA helped businesses when they were in need, but that it\u2019s now like a \u201cnoose around the neck for hundreds of thousands of businesses\u201d that are panicking.<\/p>\n<p>\u201cBusinesses do fail during both good times and bad times, but what worries me is that we have a bunch of businesses failing as a result of two years of off-and-on due to the pandemic,\u201d he said. \u201cI would say that unless there were 90 per cent who would be able to repay the loan, it would be worrisome.\u201d<\/p>\n<p data-async=\"\"><em>\u2022 Email: nkarim@postmedia.com <\/em><\/p>\n<hr\/>\n<p data-async=\"\"><em><strong>Bookmark our website and support our journalism:<\/strong> Don\u2019t miss the business news you need to know \u2014 add\u00a0financialpost.com\u00a0to your bookmarks and sign up for our newsletters here.<\/em><\/p>\n<\/section>\n<section class=\"article-content__content-group article-content__content-group--story\">\n<p>Article content<\/p>\n<\/section>\n<section class=\"article-content__share-group article-delimiter\" data-evt-val=\"{\" control_fields=\"\" data-evt-typ=\"page_scroll\">\n<p>Share this article in your social network<\/p>\n<\/section>\n<\/div>\n\n<br \/>Top business group downplays CEBA loan repayment concerns<\/a><br \/>\n<br \/>2023-12-14 14:22:40<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Breadcrumb Trail Links Small Business News Economy Canadian Chamber of Commerce takes optimistic view on ability of small business to repay loan, but CFIB disagrees Get the latest from Naimul&#8230;<\/p>\n","protected":false},"author":2,"featured_media":41768,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[],"class_list":{"0":"post-41767","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economy"},"_links":{"self":[{"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/posts\/41767","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/comments?post=41767"}],"version-history":[{"count":0,"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/posts\/41767\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/media\/41768"}],"wp:attachment":[{"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/media?parent=41767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/categories?post=41767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pantheregroup.com\/api\/wp\/v2\/tags?post=41767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}