11. On the basis of your analyses, do you think Martha should recommend that the bank extend the existing short- and long-term loans and grant the additional $12,750,000 loan or that the bank demand immediate repayment of all existing loans? If she does recommend continu- ing to support the company, what conditions (for example, collateral, guarantees, or other safeguards) might the bank impose to help protect against losses should Garden State's plans go awry