hi, can someone help me to forecast the financial planning for 1998 based on the exhibits below.

How much total bank financing will the company need at the end of 1998, including both the short-term borrowing under the bank credit line and the outstanding amount of the term loan? (For convenience, assume that 1998 sales are $3,000,000)

Notes and input data
Sales growth	13.21%
Interest rate on all debt	6.69%
Fixed assets capacity utilization	100%
Fixed assets growth rate	11.86%
Percentage of distribution to shareholders:	31.50%

Exhibit 3 Be Our Guest, Inc. Income Statement
		Years Ended December 31
	1994	1995	1996	1997
Revenue:
Rental Income	$ 1,620,313	$ 1,794,807	$ 1,990,853	$ 2,469,474
Delivery Income	$ 156,035	$ 179,173	$ 168,959	$ 180,567
Total Revenue	$ 1,776,348	$ 1,973,980	$ 2,159,812	$ 2,650,041
Cost of Revenue:
Salaries	$ 490,968	$ 575,253	$ 547,611	$ 610,602
Other Cost of Revenue	$ 211,468	$ 302,877	$ 347,094	$ 419,050
Depreciation	$ 116,119	$ 127,906	$ 128,299	$ 148,707
Gross Profit	957,793	$ 967,944	$ 1,136,808	$ 1,471,682
Operating Expenses:
General and Administrative Salaries	$ 381,501	$ 434,434	$ 539,168	$ 840,718
Other General and Admin. Expenses (a)	$ 116,119	$ 127,906	$ 128,299	$ 148,707
Bad Debt Expense	$ 5,702	$ 977	$ 22,186	$ 5,188
	$ 789,626	$ 820,274	$ 982,037	$ 1,346,290
Earnings from Operations	$ 168,167	$ 147,670	$ 154,771	$ 125,392
Interest, Net	$ (27,820)	$ (33,912)	$ (44,545)	$ (37,580)
Net Earnings	$ 140,347	$ 113,758	$ 110,226	$ 87,812
Distributions To Shareholders	$ (60,000)	$ (46,700)	$ (95,000)	$ (27,660)
Earnings Retained	$ 80,347	$ 67,058	$ 15,226	$ 60,152
(a) Other General and Administrative Expenses include depreciation of $3,692; $8,322; $14,025;
and $22,612 for the years 1994 through 1997 respectively.

E F G H A 1 Exhibit 4 Be Our Guest, Inc. Balance Sheets WN December 31, 4 1994 1995 1996 1997 5 6 ASSETS 8 Current Assets: 9 Cash (Overdraft) $ (2,595) S 565 $ 645 $ (3,498) 10 Accounts Receivable (a) 228,333 303,430 303,476 346,109 11 Due from Officers & Employees 5,000 13,617 22,552 16,763 12 Loan Receivable from Shareholder (b) 7,500 7,500 7,500 7,500 13 Other Current Assets 682 13,332 700 2,678 14 Total Current Assets 238,920 338,444 334,873 369,552 16 Property and Equipment: 17 Rental Equipment 768,481 928,391 1,077,484 1,251,080 18 Leasehold Improvements & Other Equipment 102,272 133,850 208,827 278,508 19 870,753 1,062,241 1,286,311 1,529,588 20 Less Accumulated Depreciation 414,988 551,214 679,734 851,053 21 Net Property and Equipment 455,765 511,027 606,577 678,535 22 23 Other Assets: 24 Loan Receivable from Shareholder (b) 30,000 20,000 10,000 10,000 25 Due from Affiliate (c) 110,000 110,000 158,000 65,950 26 140,000 130,000 168,000 75,950 27 28 Total Assets $ 834,685 S 979,471 $ 1,109,450 $ 1,124,037 29 30 LIABILITIES AND STOCKHOLDERS' EQUITY 32 Current Liabilities: 33 Borrowings under Bank Line of Credit $ 75,000 $ $ 98,270 $ 140,000 34 Current Installments of Term Note (d) 32,539 53,388 70,651 75,268 36 Due to Officer 17,000 32,816 32,816 37 Accounts Payable and Accounts 63,465 69,233 88,296 103,155 38 Total Current Liabilities 188,004 155,437 290,033 318,423 40 Term Notes Payable, Less Current Install. (d) 226,814 337,109 317,266 243,311 41 42 Total Liabilities 414,818 492,546 607,299 561,734 43 44 Shareholders' Equity: 45 Common Stock, $1 Par Value 2,000 2,000 2,000 2,000 46 Additional Paid-In Capital 74,000 74,000 74,000 74,000 47 Retained Earnings 343,867 410,925 426,151 486,303 48 Total Shareho Equity 419,867 486,925 502, 151 562,303 49 50 Total Liabilities and Shareholders' Equity S 834,685 S 979,471 S 1,109,450 $ 1,124,037 51 52 53 (a) Accounts Receivable are shown net of allowance for doubtful accounts of $5,000. 54 (b) A loan was made to a shareholder to purchase shares. $17,500 was outstanding as of 12/31/97. 55 (c) At Dec. 31, 1996, the outstanding balance of the bank term loan was $383,484 of which $69,893 was 56 due in one year. 57 Exhibit 5b Average Quarterly Revenue and Earnings as a Percentage of Annual Totals Third First Quarter Second Quarter Fourth Quarter Quarter Year Revenues 10.1% 33.0% 39.0% 155.0% 23.9% 1.7% 100.0% 100.0% Net Earnings (96.2%) 39.6% Exhibit 6 Be Our Guest, Inc. 1997 Quarterly Income Statements First Quarter Second Quarter Third Quarter Fourth Quarter $ 237,638 $ 894,434 $ 699,080 $818,888 Total Revenue Cost of Revenue Salaries Other Cost of Revenue Depreciation 68,348 38,860 32,599 139,807 197,406 126,716 32,599 356,720 167,697 114,124 32,599 314,419 177,151 139,350 50.911 367,412 Gross Profit 97,831 537.714 384,661 451,477 Operating Expenses General and Administrative Salaries Other General and Administrative Expenses Bad Debt Expense 125,473 81,241 223,178 140,313 342,974 158,835 149,092 119,996 5,188 274,276 206,714 363,491 501,809 (108,883) 263,438 21,170 (50,332) (9,234) (9,891) (8,950) (9,505) Earnings from Operations Interest, Net Net Earnings Distributions to Shareholders Earnings Retained (118,117) 253,547 12,220 (59,837) (11,000) (16,660) $(129,117) $ 253,547 $ 12,220 $ (76,497) Exhibit 7 Be Our Guest, Inc. 1997 Quarterly Balance Sheets March 31 June 30 Sept. 30 Dec. 31 ASSETS $ 5,338 $ 144,926 38,528 700 189,492 12,882 $ 401,432 50,686 1.630 466.630 39,239 $ 318,698 47,572 2,828 408,337 (3,498) 346,109 24,263 2.678 369,552 Current Assets: Cash (Overdraft) Accounts Receivable Loans to Shareholders & Affiliate Other Current Assets Total Current Assets Net Property and Equipment Other Assets: Loans to Shareholders & Affiliate Total Assets 626,847 685,616 751,304 678,535 71,527 71,527 71,527 75,950 $ 887,867 $1,223,774 $ 1,231,168 $ 1,124,037 LIABILITIES AND STOCKHOLDERS' EQUITY Current Liabilities: Borrowings under Bank Line of Credit Current Installments of Term Note Accounts Payable and Accruals Total Current Liabilities $ 68,270 $ 71,201 74,649 214,120 97,270 $ 71,826 145,097 314,194 87,270 $ 140,000 72,455 75,268 167,769 103,155 327,494 318,423 243,311 296,281 4.432 278,567 4.432 260,440 4,432 514,833 597,193 592,367 561,734 Term Notes Payable, Less Current Install. Other Term Notes Total Liabilities Shareholders' Equity: Common Stock $1 Par Value Additional Paid-In Capital Retained Earnings Total Shareholders' Equity Total Liabilities and Shareholders' Equity 2,000 74,000 297,034 373,034 2,000 74,000 550,581 626,581 2,000 74,000 562,801 638,801 2,000 74,000 486,303 562,303 $ 887,867 $1,223,774 $1,231,168 $ 1,124,037 E F G H A 1 Exhibit 4 Be Our Guest, Inc. Balance Sheets WN December 31, 4 1994 1995 1996 1997 5 6 ASSETS 8 Current Assets: 9 Cash (Overdraft) $ (2,595) S 565 $ 645 $ (3,498) 10 Accounts Receivable (a) 228,333 303,430 303,476 346,109 11 Due from Officers & Employees 5,000 13,617 22,552 16,763 12 Loan Receivable from Shareholder (b) 7,500 7,500 7,500 7,500 13 Other Current Assets 682 13,332 700 2,678 14 Total Current Assets 238,920 338,444 334,873 369,552 16 Property and Equipment: 17 Rental Equipment 768,481 928,391 1,077,484 1,251,080 18 Leasehold Improvements & Other Equipment 102,272 133,850 208,827 278,508 19 870,753 1,062,241 1,286,311 1,529,588 20 Less Accumulated Depreciation 414,988 551,214 679,734 851,053 21 Net Property and Equipment 455,765 511,027 606,577 678,535 22 23 Other Assets: 24 Loan Receivable from Shareholder (b) 30,000 20,000 10,000 10,000 25 Due from Affiliate (c) 110,000 110,000 158,000 65,950 26 140,000 130,000 168,000 75,950 27 28 Total Assets $ 834,685 S 979,471 $ 1,109,450 $ 1,124,037 29 30 LIABILITIES AND STOCKHOLDERS' EQUITY 32 Current Liabilities: 33 Borrowings under Bank Line of Credit $ 75,000 $ $ 98,270 $ 140,000 34 Current Installments of Term Note (d) 32,539 53,388 70,651 75,268 36 Due to Officer 17,000 32,816 32,816 37 Accounts Payable and Accounts 63,465 69,233 88,296 103,155 38 Total Current Liabilities 188,004 155,437 290,033 318,423 40 Term Notes Payable, Less Current Install. (d) 226,814 337,109 317,266 243,311 41 42 Total Liabilities 414,818 492,546 607,299 561,734 43 44 Shareholders' Equity: 45 Common Stock, $1 Par Value 2,000 2,000 2,000 2,000 46 Additional Paid-In Capital 74,000 74,000 74,000 74,000 47 Retained Earnings 343,867 410,925 426,151 486,303 48 Total Shareho Equity 419,867 486,925 502, 151 562,303 49 50 Total Liabilities and Shareholders' Equity S 834,685 S 979,471 S 1,109,450 $ 1,124,037 51 52 53 (a) Accounts Receivable are shown net of allowance for doubtful accounts of $5,000. 54 (b) A loan was made to a shareholder to purchase shares. $17,500 was outstanding as of 12/31/97. 55 (c) At Dec. 31, 1996, the outstanding balance of the bank term loan was $383,484 of which $69,893 was 56 due in one year. 57 Exhibit 5b Average Quarterly Revenue and Earnings as a Percentage of Annual Totals Third First Quarter Second Quarter Fourth Quarter Quarter Year Revenues 10.1% 33.0% 39.0% 155.0% 23.9% 1.7% 100.0% 100.0% Net Earnings (96.2%) 39.6% Exhibit 6 Be Our Guest, Inc. 1997 Quarterly Income Statements First Quarter Second Quarter Third Quarter Fourth Quarter $ 237,638 $ 894,434 $ 699,080 $818,888 Total Revenue Cost of Revenue Salaries Other Cost of Revenue Depreciation 68,348 38,860 32,599 139,807 197,406 126,716 32,599 356,720 167,697 114,124 32,599 314,419 177,151 139,350 50.911 367,412 Gross Profit 97,831 537.714 384,661 451,477 Operating Expenses General and Administrative Salaries Other General and Administrative Expenses Bad Debt Expense 125,473 81,241 223,178 140,313 342,974 158,835 149,092 119,996 5,188 274,276 206,714 363,491 501,809 (108,883) 263,438 21,170 (50,332) (9,234) (9,891) (8,950) (9,505) Earnings from Operations Interest, Net Net Earnings Distributions to Shareholders Earnings Retained (118,117) 253,547 12,220 (59,837) (11,000) (16,660) $(129,117) $ 253,547 $ 12,220 $ (76,497) Exhibit 7 Be Our Guest, Inc. 1997 Quarterly Balance Sheets March 31 June 30 Sept. 30 Dec. 31 ASSETS $ 5,338 $ 144,926 38,528 700 189,492 12,882 $ 401,432 50,686 1.630 466.630 39,239 $ 318,698 47,572 2,828 408,337 (3,498) 346,109 24,263 2.678 369,552 Current Assets: Cash (Overdraft) Accounts Receivable Loans to Shareholders & Affiliate Other Current Assets Total Current Assets Net Property and Equipment Other Assets: Loans to Shareholders & Affiliate Total Assets 626,847 685,616 751,304 678,535 71,527 71,527 71,527 75,950 $ 887,867 $1,223,774 $ 1,231,168 $ 1,124,037 LIABILITIES AND STOCKHOLDERS' EQUITY Current Liabilities: Borrowings under Bank Line of Credit Current Installments of Term Note Accounts Payable and Accruals Total Current Liabilities $ 68,270 $ 71,201 74,649 214,120 97,270 $ 71,826 145,097 314,194 87,270 $ 140,000 72,455 75,268 167,769 103,155 327,494 318,423 243,311 296,281 4.432 278,567 4.432 260,440 4,432 514,833 597,193 592,367 561,734 Term Notes Payable, Less Current Install. Other Term Notes Total Liabilities Shareholders' Equity: Common Stock $1 Par Value Additional Paid-In Capital Retained Earnings Total Shareholders' Equity Total Liabilities and Shareholders' Equity 2,000 74,000 297,034 373,034 2,000 74,000 550,581 626,581 2,000 74,000 562,801 638,801 2,000 74,000 486,303 562,303 $ 887,867 $1,223,774 $1,231,168 $ 1,124,037