texts: Mr. Newcombe, I have made some difficult loans during the past few years, at very onerous terms, but 18% a year interest seems very stiff indeed.
labels: Considering your financial circumstances, Mr. Cosgrove, it has been impossible to find anyone at all prepared to do any business with you.  I think you may count yourself lucky to have this opportunity. But, obviously, if you would reject this offer, I shall keep trying to find a better one.