Imagine that you are the founder of a start-up that has not been as successful as you’d hoped. You are thinking about making one last push to get your product off the ground, but you would need some extra financing to do so. A series of deals has fallen through, and you are under great stress. Now you are negotiating what you believe to be the company’s last remaining option: a high-interest loan from a lender with a questionable reputation. Should you close down your company or finalize negotiations on the risky loan?