bye bye buddy, you have been baned.
shame on us, everything you said is right.
A friend of mine is almost done with his integrated course and he is scared as hell. He has a dept of almost 140k (euro) and he is madly searching for possibility's to get a loan for another 30k for a TR. Its just insane.
tell him:if you can not take care of your money, how can you fly a jet??