Hi wrkmq,
Possibly you would get a better response given that your asking questions about financing to know the answers before declaring it's going down the drain....otherwise you may get a similar response.
Obviously you read down to 3.5 but I suggest before coming to a conclusion you read the report in it's entirety. Focus on 7.1 and the notes below for the explanation.
Hopefully this helps.
Hillgrove, page-86
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