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Here's an analogy:
A guy wants to go striper fishing for money but can't afford to buy eels. The bait store owner offers the fisherman "free" eels but there is an exception ...the fishermen must split the profits with the bait shop 50-50.
Next morning the fisherman sells $500 worth of fish but has to give the bait shop $250, thus cutting his profit in half. Had the fisherman put up his own $25 bucks for bait instead of borrowing it from the bait shop his profit would've been $475.
Posted from my iPhone/Mobile device
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