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if 3 check kosong banks. (kelihatan sekali) 3 kali 40 84-86 lost 36 juta won't be able to sell if don't accept checks if 3x diblacklist orr. check mundur can be sold for kain or money in pasar - dibelanjakan I- 4 bulan, lose 8-10%; if kosong-keep trying 3 juta - 6 juta 100,000 - 5 juta - problem to process sertifi kat - expensive + takes a long time momentum tidak pas lagi [[underlined]] BPD waited 3 mo. for approval B.I. seckman dying of thirst + wait 3 mo for water SIMP - can wait for with -