You got to know they don't need the loan by the very fact that some financial institute is willing to give it to them. The latest DIP loan is, I think, not coming from tainted sources. So by the metrics used by all financial institutes, you can get money if you have the immediate ability to pay it back. They don't need it, agreed. The CFO needs to learn about cash flow management. Maybe some officers need to bypass a paycheck? That is how it works for typical American entrepreneurs