Excellent and on this one, you need to clarify a bit I will send you a PM today or tomorrow In the end, a company borrowing $75,000 can result in a balance owed to the lender many times higher than the original Note ($150,000 - $400,000 or more) because of interest and fees, which, after being converted at a huge discount to the market price, ends up resulting in losses of $400,000 - $900,000 or more to retail shareholders.