4.Another comment the loan officer of the Bank of Sonoma has after reviewing the business plan is: I see that you do have an allowance in your calculations for the carryover of inventory of unsold wine from the first year to the second year, but you do not have any cost associated with this. All companies must charge something for holding inventory, so you should redo your plans to allow for this. If the holding charges are $0.10 per bottle per year, how much, if any, does Georges plan change