Ann: Trading Halt, page-112

I'm saying it's delusional and dishonest to base 3 to 5 years payback on a price that does not exist presently, and may not exist partly or at all during that period.

Try telling the bank you want to lend 350 grand, with payback in 3.5yrs but although you only make $75k per year, you think your pay will go up to $130k at some point - but you're not sure when! Ludicrous no?