Mr and Mrs Smith saw a television advertisement by Kron Bank. The advertisement said: Come and see one of our amazing bank managers today. They can advise you on how to get the most out of your money without any risks. Mr. Smith went to see Krons bank manager, Mr. Gy, who told him that if he signed a document called Flexible Charge he would be able to receive $150,000 with no interest. In reality, the Flexible Charge was a new type of mortgage, in which no repayments were required unless the stock market fell by 30% in which case the loan would be repayable in full. Mr. Gy said that although the document was complicated but Mr Smith did not need to worry about it, that Mrs. Smiths signature was also required, and that, since Mr. Smith had not invested money before, he should see a lawyer before the money could be provided but Mr Smith chose not to do so. Mr. Smith told Mrs. Smith that, according to Mr Gy, Flexible Charge was a wonderful idea because it meant that they could get enough money to enjoy their retirement without any risk of losing their home. Mr and Mrs Smith signed the Flexible Charge document and got the $150,000 from Kron Bank. Three years later, the stock market fell by 35% and Kron Bank is now demanding repayment of the loan in full from Mr. and Mrs. Smith failing which they would foreclose on their home. Advise Mr. and Mrs. Smith.