John McNeill

And it's about 10.

He's like...

Let's get it down to 10.

And I said, well, 44 of the 60 clicks are in one document, and that is the loan release document.

And it's because those loan documents are like dozens of pages long.

But let me figure out if there's a way around that.

And so I went and questioned the requirement of every paragraph that was in a loan document.

We had a great member of our legal team go through this with me and for me.

But he came back and he said, you wouldn't believe this.

Almost the entire loan document is not a requirement of law or regulators.

It's well-meaning corporate attorneys who are trying to protect their bank.

But none of this stuff matters.

So I went back to the next week's brainstorming session with Elon.

I'm like, do you know what?

What I just heard was 12 pages of loan docs that everybody assumes are required aren't required.

It can be done in one paragraph.

So I went and talked to like 10 different banks.

They all slammed the door in my face.

And then we finally got to a bank in Minneapolis, US Bank.

And they said, we'll do it.