richard clark. hey, richard. good to see you again, mr. baxter. we know each other? went to school with your daughter kristin. ah. tell her richard says, "hello." (chuckles) why are you laughing at that? i'm thinking he got some. you asked a question. and, uh, you must be james baxter, the loan applicant. that's right. well, james... (sighs) looked over your request, and... i've got to say, i'm a little concerned about your assets. "concerned" how, spanky? imagine we're talking about doughnuts. okay. i wish you had a large box of doughnuts, but instead, you've only got, like, seven doughnuts. yeah. i need more doughnuts. look, my brother just needs seed money for the project. mike, i think i got this. really? doing a good job so far, letting a college sophomore turn you down for a loan. you're, uh... you're turning me down? just, you're a-- you're a little overextended. what happened to all your doughnuts? last couple projects, we built on spec. we haven't unloaded 'em yet. it's not a big deal. is that what this is about? wait, wait, "on spec"? don't lecture me. you'