Ralph: You know, Artie, I'm not gonna be able to lend money for less than two points.
Artie: It's not a problem.
Ralph: Just out of curiosity... what's gonna happen in two weeks?
Artie: The insurance check's gonna come.
Ralph: I hate to do it, Artie, but I think I'm gonna pass. Sorry.
Artie: Why not?
Ralph: Because if you don't pay me back... I ain't gonna be able to hurt you.