That is a pretty funny narrative, and its all just a matter of your opinion. The circumstances of today are not those of tomorrow and it's based upon that principal that loans are made out. The lenders know Banro has cash flow and its growing, that's why they lent them the money, you act as if they dont have a growing business and valuable asset base of millions of ounces in the ground. And again, they are trailblazers in central Africa, in fact a model for progress, stability, and job growth who goes to great lengths to strengthen the community. They are highly respected and have plenty of staying power my friend. blessings to you.