answer: Jenny recommends a Personal Durable Commodities Loan to Mr. Zu and introduces the loan in detail. Mr. Zu's willing to go ahead.
documents: #Person1#: Right, let me run through your options. You can go ahead and cash your undue Large-Amount Deposit Certificate if you really want to, but I'd recommend a Personal Durable Commodities Loan.
  #Person2#: OK, what does that entail?
  #Person1#: It's not too much trouble to do it this way and remember, your certificate is due in 2 months. If you can hold on to it, it'll be much better for your finances.
  #Person2#: Yes, it does seem a little silly to cash it now. I'll probably need about 25, 000 RIB. Will that be a problem?
  #Person1#: Not at all, Mr. Zu. As the certificate is due in 2 months, you can get the loan on mortgage of that certificate.
  #Person2#: I'm glad you thought of this. I'd have just gone ahead and cashed it! And I suppose I can use the money from the certificate to pay back this Personal Durable Commodities Loan and I won't lose any interest, right?
  #Person1#: Exactly right. If you'd like to go ahead, I can process that for you now, Mr. Zu.
  #Person2#: Absolutely, Jenny. Thanks very much, I think you've saved me quite a lot of money today.