OK, I&#x27;ll bite. Imagine your mom gives you cookies and everyone in your school is willing to exchange cookies for other nice things. Lately your mom was giving you so many cookies that you accumulated lots of them. Your friends now come to you to borrow cookies more willingly than to your mom, despite her historically being more respectable cookie provider, just because she might not have too many left now.<p>At the same time you friend Tom opened a lemonade stand. He sells cookies with lemonade and this combo sells especially well. He wants to borrow cookies from you, promising he will sell a lot of stuff an then will buy and return more cookies than he borrowed to you (interest).<p>You see that lemonade stand does very well and you want to do it yourself. But unfortunately your mom forbids you to do so. So you do next best thing: you give Tom all of your cookies, and then some more that you - in turn - borrowed from mom and other friends, hoping that Tom will turn them around and return even more cookies to you.