Things are tough at Morgan, Inc. For the last several months, sales reps, who are paid on a commission basis, have barely covered their monthly personal expenses. To help the sales force through these tough times, Morgan executives decided to introduce monthly draws. Sales reps whose commission earnings fall below a specified monthly amount receive a special loan, or draw, against commissions. When sales and commissions improve, the sales reps will repay the cash advance from future earnings. Under what conditions will this plan help Morgan achieve its sales strategy? Under what conditions is it likely to fail?