sorry, you math does not add up. When you buy , say  $ 3 Mi. House in Vancouver or where ever  the bank does not expept you to pay it back within the next 12 Mts. If so your Mtly. payments would be in the range of a Banker CEO. He might be struggling a bit too.  He  might would have to get used to Californian Champagne. I"m not saying CLL is out of the Woods by no means,They bought themselfs a bit of time and loosend that ROPE around their neck by selling the Refinery. Time will tell.