Barcelona, Got your email. Since you are someone I also know personally, putting you in touch with my friend will both be easier and a pleasure. But let me first write to him. Meantime, don't worry about those loans, as high as they are. IESE is the Harvard Business School of Europe; so -- knowing you and knowing what I know of IESE -- I can predict that you won't go wrong later. Let's meet up in KTM whan I am there next. oohi ashu