Not sure whether this is the response you want, but this seems worse that the quotation that you picked:
For someone hoping to see revenue, I read the foregoing quote as saying "forget about it for 12 months."
By contrast, the irresponsible borrowing that you cite could possibly be forgiven/understood if it were done to recoup even greater revenue...
I am an amateur at this, and it would be unwise to rely on my opinions without your own independent confirmation in consultation with an investment professional.
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