You are a Banking Consultant to the Bank of Tokyo, In Japan. One of the Banks 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?