Arthur leaned back, running a hand through his hair. He pulled a yellow legal pad toward him, already filled with columns of projected revenues and worst-case scenarios.

"No penalty for paying it off early," Arthur muttered to the empty room. That was a silver lining. If the holiday season went as well as last year, he could throw extra principal at the loan and kill the monster early.

He looked at the bottom of the digital page. A bright green button anchored the screen.