"Why agree to pay back over 1 year when you can commit to paying back over 4. Doesn't stop you paying back earlier if you want to ...."
"Another factor is, if you agree to pay someone sooner than initially agreed, you give yourself an opportunity to do a deal to pay them a little less if they get a bigger lump sum sooner."
How many times are they going to try to dilute what they owe their former heroes ?