i can tell sort of what happened, and i can tell sort of whether i enjoyed it or not. here's a good policy that is to sort information further. there’s really no way of knowing. for example, no two people with the same disease look quite the same. the following is a summary of cross’s account. we still don’t have exact date, so please check back us for any update on that. if we use the same example as above then the company goes from it being relatively ‘easier’ to borrow to ‘harder’ to borrow and the cost follows upward. 