my loan to you is 6 in this trade bc it returns 13 to you for loan from original trade, but then is partially offset by the $7 you would send me to even out salaries - leading to a net of 6. You end up at 29 free i end up at 5 free, like how it was going into the original trade. summary w/o shenanigans: nick anderson for j james, j hicks, m meyer + 7 loan (for cap balance)