In scoring our company I came up with a positive H-score of 6.22971, based on fiscal year-end results.

If my banker, who recently lent us a nice sum, is even aware of logarithms, he has shown no evidence of it, so I doubt he used this formula in determining our ability to repay. Besides, the calculations take a lot longer than one minute for us mere mortals to accomplish.

However, if there are any bankers out there using this formula who wish to lend us additional funds for expansion based on our H-score (at competitive rates), we are ready to discuss it.