Whitlam and his ministers repeatedly claimed that the Opposition was damaging not only the constitution, but the economy as well. The Coalition senators remained united, though several became increasingly concerned about the tactic of blocking supply. As the crisis dragged into November, Whitlam attempted to make arrangements for public servants and suppliers to be able to cash cheques at banks. These transactions would be temporary loans which the government would repay once supply was restored. This plan to prolong government without supply was presented to Kerr unsigned on 6November, under the title "Draft Joint Opinion" (ostensibly of solicitor-general Maurice Byers and attorney-general Kep Enderby). It proposed that public employees, including members of the armed forces and police, "could assign arrears of pay by way of mortgage". The government's refusal to formalise this and other "advice" was a factor justifying Kerr's resort to advice from elsewhere.