Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to borrow money from a friend [title] Take it seriously. [step] Maybe you don't have to put on a suit or sit opposite someone behind a big desk like at the bank, but taking out a loan from a friend should not be treated as a trivial matter. Lending and borrowing money is a big deal and should be treated as such.

Ending1: [substeps] Make a presentation or pitch as to why you need the money. No, you probably don't need to fire up a powerpoint on the projector, but provide your friend with a clear idea of your intentions for the money. Ending2: You shouldn't get into a habit of withholding money from friends. Remember that if you put your own money on a loan, you take responsibility for it. Ending3: [title] Be firm about what you owe your friend. [step] Your friend will assume you're lying about what you owe. Ending4: It's much easier to obtain loans from people without credit cards and they're pretty sneaky. It's particularly common when you are just starting off, when you first start borrowing money from friends.

Answer format: ending1/ending2/ending3/ending4