Loni owns a software company and has a great idea for a new app. in order to build the app, she will need to hire a computer expert for one year at a salary of $87,000. (assume this is the only expense required to create this app.) however, she expects to make $99,000 by selling the app. since loni does not have any extra cash on hand, she goes to the bank, where they offer to lend her $87,000 with an annual interest rate of 15%. should loni take the loan and build the app?