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Hi there, Thanks so much for reaching out — I actually read your email carefully and was really impressed by how straightforward it sounded. I’ve been thinking about a bit of a personal project lately, actually — I’ve been trying to buy a small property in the Houston area to set up a little home office space, and I’ve heard a lot of talk about the new zoning laws near the bay. It’s been a bit of a grind with the city paperwork, but I’m hoping to get some kind of financial structure in place to make it easier. I’m curious — you mentioned a 3% interest rate on any amount. Is that fixed for the whole term, or does it change based on how long the loan is? Also, are there any specific documents or forms I’d need to submit to get started? And just so I’m clear — does the loan have to be in a certain currency or is USD fine? I’ve been doing a bit of research on oil and gas financing lately, and I’m finding that people in the industry often rely on long-term, low-interest structures. I’d love to know if there’s a way this could work for a smaller personal loan too. Thanks again — I’m genuinely interested in moving forward. Best, Danny Sent from my iPhone Best regards, Danny Smith +17163259415