replied, quote, looks doctored, can't someone just do a clean excel document and pdf it to me? a subsequent version was submitted to the bank. they also ginned up a fake invoice for $2.4 million. they addressed it to "to whom it may concern." who promises to pay two whom it may concern $2.4 million? but they apparently ginned up this invoice to make it look like they were about to get paid $2.4 million. problem, though. quote, the bank was unwilling to rely on the invoice to support manafort's stated income. they requested additional information. the bank was unable to obtain satisfactory support for manafort's stated income and the loan application was denied. why do you need all these different loans? why do you need all this cash? we don't know. for some reason times were tough and this stuff all happens in very close succession, all at once, late 2015 early 2016.