If your client intends to apply for forgiveness, you need to inform them that the Draws are problematic and that No Payroll means No Forgiveness. Even "late" payroll will mean No Forgiveness, if you don't pay attention to the Date requirements. We don't know if this person is relying on the 8-week coverage period or the 24-coverage period. We don't know what timeframe they applied for. So, we don't know when their end date is or Was.