After the final year of our diploma course in 2008 me and Jay got admission in different colleges for our bachelor’s. Due to this reason we could no... visit each others places and hence my interaction with Vanika was also reduced. Those days Orkut was popular. One fine day I received a friend request from Vanika. I immediately accepted the invitation. We then regularly started talking on the messenger. Vanika got a mobile and then we shared our mobile numbers. But she told that I should not tell. Have you calculated your expenses for rent, insurance, utilities, payroll, new equipment, and any work that needs to be done on the building before you open? The bank will need all that, plus your anticipated sales volume. I don't know very much about the restaurant business, but I assume you'll need to consider the cost of printing menus, licensing, the cleaning of uniforms or aprons, and advertising."Heather's eyes became larger than normal. "Should we make the loan for more than ten. More

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