ETHICS ✶ Patrick Clark is a young entrepreneur who wants to open a restaurant in San Francisco, California. Because real estate prices are very high, he is not able to secure enough equity to present to lenders to convince them of the viability of his project. A friend of his, Jack Rosse, owns an auto parts store and the land where the store is located. Jack tells Patrick he will write a note for him to take to the bank that states that he is going to close his store, contribute the land to Patrick, and become a part owner of Patrick’s new restaurant. Jack, however, really has no intention of closing his store and contributing the land to Jack’s restaurant project. Can Jack still write the note for Patrick to bring to the bank? Should Patrick use this letter? What may be some of the consequences?