(Lindsay D'Addato | The New York Times) Jennifer McMurrough, owner of Little Dogs Resort in Salt Lake City, May 26, 2020. McMurrough had nine full-time employees (one quit because of the pandemic) and some part-time help, but a loan through the federal government's Paycheck Protection Program helped her keep paying her workers, who are still caring for Little Dogs Resort's handful of canine clients, but she's frustrated by the program's shifting rules and complicated terms.