PharmaRoth Labs, Inc. (ROTH)

[old biohf guy]

One recent post did not make a distinction between "bills" and "debt". There is of course a difference, as anyone skilled in the art of finance would know. A bill is a debt that is owed immediately, such as your mortgage payment. The bill comes in the mail and you pay it.

On the other hand you may owe $100,000 on your home. This is your mortgage. This is a debt, but it is not a bill. It is ok to have debt as many people and companies do, but when the monthly mortgage payment (ie bill) comes due you must pay it.

A person may only have $3,500 in his checking account and have a $100,000 mortgage but he is not bankrupt. He is not insolvent either. As long as he makes his monthly mortgage payment he is fine.

I sure hope this little basic financial lesson helps you.