Johnny: Well, she said there was nothing she could do. Apparently, I don't have enough assets.
Roland: Yeah, she said apparently Johnny doesn't have enough assets.
Johnny: Yeah, and the problem is, how do you get assets... without the loan?
Roland: But the the problem is, how do you get assets without a loan?
Johnny: Roland, you're not adding anything to the sentence, you're just repeating what I said.