I Re read the indictment again..look At count one..phil only..loaning victim A money from Jan 2016 thru may 2018..if that isn’t a typo on the date, then phil was lending this guy money for 2 years, then in Jan 2018 he lent him the 20, then it looks to have been increased in may orJune, and the guy couldn’t swing it.. 115? From 20? O maybe the guy had a good history at those numbers..the way gallo is talking tho, is as if the victim didn’t know who he was dealing with, which could lead me to believe the Jan 2016 is a typo.