sorry for the pain that I have caused you. I feel ashamed. I can no longer keep the promises that I made to you. I promised to pay for the engagement jewelry. I promised to pay your family for the dowry. Last summer I could have kept those promises. Then the price of oil went down much more than I had expected. Companies that I owned went bankrupt and I lost most of my money. I went from having plenty of money to having very little money in just a few short months. The wealth that I built over the last ten to fifteen years evaporated quickly.