The wife quickly wraps herself in a towel and runs downstairs. When she opens the door, there stands Bob, the next-door neighbor.
Before she says a word, Bob says: "I’ll give you $800 to drop that towel."
After thinking for a moment, the woman drops her towel and stands naked in front of Bob. After a few seconds, Bob hands her $800 and leaves. The woman wraps back up in the towel and goes back upstairs.
When she gets to the bathroom, her husband asks: "Who was that?"
"It was Bob the next door neighbor", she replies.
"Great", the husband says, "did he say anything about the $800 he owes me?"
Moral of the story: If you share critical information pertaining to credit and risk with your shareholders in time, you may be in a position to prevent avoidable exposure.