(a) Suppose that HBs asks Robert Miller to approve a short-term loan of $450,000 to help finance seasonal increases in working capital. Based on information in the case and the exhibits and your previous answers, would you advise Miller to grant the loan? Explain. (b) What additional information would you like to make a more informed decision? 12. Is HBS's seasonal working capital the result of higher sales, a lengthened cash cycle, or both? Explain. 13. Why would Miller like monthly financial information instead of quarter financial statements?