Your best friend Marty is standing by the appetizer table, loading up on olives and cheeses. You slide up to him. "Tonight's gonna be a rough one," you say. Another interaction like those two and you'll be done for. He laughs and you two make quick chit chat and reminisce a little about college. A lost has changed since then. You went to law school after graduating while Marty dropped out a semester before he even got to. He lives in Jersey, is a pothead over 30, and drives a bright red pickup truck. You live in Astoria, your wife makes her own granola, and you cannot remember the last time you drank, let alone smoked pot. Marty's leg is bouncing up and down which you know is a tell tale sign that he has something to say. You squint at him and tell him to spit it out. He grimaces. You flinch. He asks to borrow a significant amount (three zeros) of money for a new business idea he's developing. Marty always has a business plan. Obviously, if he's asking for money, they don't quite go as well as he plans.