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Tonga...if you worked for the finance company you would be hoping to have some secure valuable assets guaranteeing that loan...$1 mill bucks for 12 months with a $300K plus 22.5% pa payback sounds like a friggin ponzi scheme to me...AXM would need to think they are going to do something bloody amazing over the next 12 months to somehow pay that back and make a profit from it...or else why the hell would you go into the deal in the first place...maybe they have some special gold mine or vein of gold they are about to hit that has been a secret for years...HA !!