A loan L|U|N is I|Z IH|S I|S essentially I|S|I|N|SH|AX|L|I EH|SH|EH|N|SH|AX|L|I I|SH|I|N|SH|AX|L|I EH|S|EH|N|S|AX|L|I I|S|I|N|S|AX|L|I EH|SH|EH|N|S|AX|L|I I|SH|I|N|S|AX|L|I EH|S|EH|N|SH|AX|L|IH I|S|I|N|SH|AX|L|IH EH|SH|EH|N|SH|AX|L|IH I|SH|I|N|SH|AX|L|IH EH|S|EH|N|S|AX|L|IH I|S|I|N|S|AX|L|IH EH|SH|EH|N|S|AX|L|IH I|SH|I|N|S|AX|L|IH a contract K|U|N|T|R|AE|K|T K|AA|N|T|R|A|K|T K|U|N|T|R|A|K|T that D|AE|T DH|A|T D|A|T binds B|IH|N|D|Z B|A + I|N|JH|Z B|IH|N|JH|Z B|A + I|N|D|S B|IH|N|D|S B|A + I|N|JH|S B|IH|N|JH|S the D|AX lender L|I|N|D|ER L|EH|N|JH|ER L|I|N|JH|ER L|EH|N|D|I R L|I|N|D|I R L|EH|N|JH|I R L|I|N|JH|I R to T|O a schedule SH|K|EH|JH|UH|L S|K|I|JH|UH|L SH|K|I|JH|UH|L S|K|EH|JH|U|L SH|K|EH|JH|U|L S|K|I|JH|U|L SH|K|I|JH|U|L of O|V AH|B O|B payments P|A|M|AX|N|T|S P|E + I|M|AX|N|T|SH P|A|M|AX|N|T|SH so SH|O S|U SH|U both B|U|TH B|O|T B|U|T parties P|U|R|T|I|Z P|AA|R|T|IH|Z P|U|R|T|IH|Z P|AA|R|T|I|S P|U|R|T|I|S P|AA|R|T|IH|S P|U|R|T|IH|S should S|UH|D SH|U|D S|U|D SH|UH|JH S|UH|JH SH|U|JH S|U|JH be B|IH cautious K|U|SH|AX|S K|AO|S|AX|S K|U|S|AX|S K|AO|SH|AX|SH K|U|SH|AX|SH K|AO|S|AX|SH K|U|S|AX|SH and AX|N|JH not N|U|T enter I|N|T|ER EH|N|T|I R I|N|T|I R into I|N|T|U IH|N|T|O I|N|T|O the D|AX arrangement I R|E + I|N|JH|M|AX|N|T ER|A|N|JH|M|AX|N|T I R|A|N|JH|M|AX|N|T without W|I|TH|A + UH|T W|IH|T|A + UH|T W|I|T|A + UH|T thinking T|IH|NG|K|IH|NG TH|I|NG|K|I|NG T|I|NG|K|I|NG