You've done it again! You've narrowly avoided being in the black at the end of a fiscal period and dipped a toe in the red stuff. Your bank, with its eagle-eye for floundering patrons, swoops in and pinches off a bit of skin that you don't have. That red mark will be there until you come up with other money to cover the dent you have now made in your already weakened resources. And then you're off, rebounding into the black, newly censured and eager to stay clear of trouble.