IOU the first time

I made an IOU to Patrick and borrow my first 1 millions NT from friend yesterday, this is different from Dicky and James who make my first borrowing Dicky : 2 millions and James 1 millions NT. Patrick is nice to me, the whatsapps communication went so quick that I hardly believe he make such a swift decision to lend me the money.I make an statement of receipt and mark the March 31 2013 the payment due day. Melody come to my office and let me know the insurance load I can exercise is about 2 millions. this is my last resort, the money for my survival fund. she is right about this, I know but I can't change or I don't have the will to change. this is perfectly reflect to the book I bought from Eslite on Sunday : the regionals ... by Allen De Botton. the regelion knows change is so difficult, so they make people repeatly read and do things routine.