I caught wind of the following transactions which actually occured in Orange County last year.

FUTURE BANKRUPTCY DEBTOR:  I-or rather myself, incorporated- have a vacant lot, I want to make it into a multistory mall.  I need $3,000,000.

FUTURE DEFUNCT BANK:  How will you pay that back?

FBD: When we have built the fairy castle, dozens of rich people will pay my incorporated self to use it.

FDB: What would secure our money?

FBD: You can attach a lien to the vacant lot.

FDB: What's that worth?

FBD: About $300,000 on a good day.

FDB: Whaddya think I am, STUPID? No way are you getting that kinda money--unless you PERSONALLY guarantee the note! Hahaha!

FBD: Oh but--

FDB: But nothing sweetheart!  You think I'm gonna get left holding the bag? YOU guarantee that You, Inc. will pay us back every penny!

FBD: Oh ok. /signs

FDB: Some folks believe in Santa Claus.

FBD: Oh I got three more vacant lots---

FDB: Same procedure, pal. I don't play favorites.  S,H,R,U,D that's me.  Lessee, that's $12 million plus interest...carry the 7...times 12