I call the above economic dissertation CASH FLOW....Profit without good cash flow is useless... ( I turn down big customers that want net 90 or 120 day payments, not worth it in this economy)
All I can say is you can always buy more play toys, or tools, especially with a good knee!!
You might make a list of different scenarios looking at cost over time, etc...Like the good advice above!
Also, most medical places take payments with little interest...just act poor!!
Best wishes....

cowboybill