Now assume that a year passes, and that business does in fact pick up for Harolds company.

Question:

Now assume that a year passes, and that business does in fact pick up for Harold’s company. He is able to repay the loan in full, with interest. No one is laid off from Harold’s company, no one misses a paycheck, and Harold’s lie is never caught. Is the rating the same with the benefit of hindsight? Do the ends at least partially justify the means?