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Message: [QUOTE="Toga, post: 466224, member: 365"] As far as capital improvements - most notably a practice facility - I don't get it. Get as much in the way of donations as possible. Leverage the additional revenue coming from joining the ACC (a [B]massive[/B] increase to the AD). Then finance the what's needed. The interest rates are what? Did I hear low? Really low? Low as they have been in modern times or will be again? If you're not going to do it under this lending environment - you aren't ever going to do it. [/QUOTE]