DeYOUNG: Borrowing money is like leasing cash. You’re able to put it to use fourteen days after which you pay it right right right back. You might hire a motor automobile for 14 days, right? You can utilize that vehicle. Well, if you determine the apr on that car leasing — which means that if you divide the total amount you spend on that automobile because of the value of that vehicle — you receive likewise high rates. And this is not about interest. This really is about short-term utilization of a product that is been lent for your requirements. That is just arithmetic.