oh yes. mrs. shumann called about you. how is she? wonderful woman. i went to school with her husband. so you want to go in business for yourself? and you need money? you do know what money's like these days. jesus, look at this. nine, nine and three quarters -- that's our prime rate. and i'll tell you something else: the big boys are going for it. after all, mr. roundy, we're paying six percent. six percent. fha's at eight and a half -- no, we won't be going back to the old days. it's got nothing to do with inflation. rates, for example, rise independently of tight money if you look at interest curves carefully. historically, that's always been true, though most people don't realize it. what sort of references do you have? pardon me? i mean credit references, mr. roundy. look, mr. roundy, why don't you make out a financial statement? it'll save us both some time. miss michaels here can show you. have it notarized and we'll see where we go from there. miss michaels, would you get me a couple of forms?