Thousands and maybe millions of kids have read the Disney book “Robin Hood Saves the Day.” In it, Robin Hood and his buddy Little John rescue Friar Tuck from a dungeon. Okay, this is an article about lending, so how does this relate? Interestingly enough, Friar Tuck was in a fix because he ran headlong into financial hot water—he hadn’t paid his taxes. Our style may not be the same as Disney’s Robin Hood character—we wield money, not swords or bows and arrows—but often we’re able to “save the day” when a client of ours is suddenly facing a financial problem that...