Time Value of Monev, Usury practice and Ethics: In Chapter $9$ of your recommended textbook and relevant PowerPoint notes we discussed various aspects of "Time Value of Money". Assume that your partner and you are in the consumer lending business. A customer, talking with your partner, is discussing the possibility of obtaining a $$10,000$ loan for three months. The potential borrower seems distressed and says he needs the loan by tomorrow or several of his relatively new appliances will be repossessed by the manufacturers. You overhear your partner saying that that in order to process the loan within one day there will be a $$1,000$ processing fee so that $$11,000$ in principal will have to be repaid in order to have $$10,000$ to spend now. Furthermore, because the money is needed now and is for only three months the interest charge will be $6\%$ per month. What would you do and why? Explain