ok this is now many many years gone.....but I still enjoy to look at the real things not the flattery things...I am not interested to stay any luxury places because I was working in big first class hotels so I know all about it......
maybe you can find a way to get the bank out of your business.....I am a very creative mind if I know everything about the structure of your work I might find a solution for you to work without the banks.....
but be warned : usualy my solutions are really individualistic...might give you a low social status..specialy in thasiland where it is all about face ...but in the end of the day you come out free...free of depts free of banks and free of loans....you might not have a big flattery shop but one that pay the bills just like myself...and all headache free.....
a matter of values....
hope to skype w.u on sunday afternoon....