 Shylock is skeptical because Antonio’s ships are still at sea, and there is uncertainty whether they will return within three months.After they all agree to the loan, Bassanio offers Shylock to eat with him, but he denies the offer on the grounds of eating with Christians.After a long debate about the Jewish versus Christian morality of charging interest on loans, Shylock decides to add a clause that says that if they cannot repay the loan, Antonio will have to give a pound of his flesh.