One day, tired from having to deal with the same stressful workweek for every single month, Andy decides to quit his job and open up a diner, just like what Jill’s mom had dreamed of before cancer took her away. The problem is, Andy does not have enough savings (again) to use as capital and start up his own business. He needs about $10,000 as start-up capital. He decides to talk to his trusty old bank to explore his options. After two-to-three months, the bank gives Andy his much-needed capital to help him set up his diner, on the condition that Andy mortgage his diner as well as all improvements and machinery to it. Andy, seeing that the package only offers a 4% annual interest rate, latches on to the deal. He gets his $10,000, which, after many years, helped him cope with Jill moving out, getting married, and starting her own family. The diner became the favorite hang-out of brooding teenagers and middle-aged couples.