You are a Banking Consultant to the Bank of Tokyo, In Japan. One of the Bank's clients, a young undergraduate student in Finance at a major University in Japan, is asking for an unsecured loan from Bank of Tokyo to invest in a unique business venture called "Yen-Carry Trade".In his Business plan, the Client states that he had studied the theory and practice of this, and historically it had been a very profitable venture giving a return of 40%.He plans to invest the equivalent of $10,000 and borrow $90,000 from Bank of Tokyo at an annual interest rate of 1%.He plans to return the money in 1 year. The Bank has asked for your comments on this Business plan.

What would you recommend? Answer must show critical thinking.