To get a sense of the mad scramble software development teams must often undertake, look no further than how banks responded to the U.S. Paycheck Protection Program (PPP) to quickly loan money primarily to small businesses. Since it was enacted in March 2020 as part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, the PPP initiative has been shaped and refined by dozens of Small Business Administration rule refinements, many requiring mid-stream tweaks to loan application and funding processes.