I think it's pretty standard to have a re-call clause in loan contract. If it wasn't included, then it was probably deliberate. We don't know, so what's the point of speculating on it? It's done now. Too much speculating on here about things that are in the past. And too many people seeming to think they know things when they have no idea. Juts move on. Ki's back and Monk is in charge. That's the facts.