We're finished with any new major projects or investments in the foreseeable future, and our industry sector is extremely stable, but I want to make sure that we're liquid enough to withstand sudden expenses. Our market share is rather small, and we have about 300 days of working capital. We expect to continue having a modest positive annual income over the next decade. We car get either a long-term or a short-term loan. The long-term loan has a slightly higher interest rate than the short-term one, but the short-term will have to be renewed annually. What should we do