looking forward

So DrBob talked to a BankDude in the Netherlands about buying a house, and we have a sort of baseline number for how much money they’ll be willing to lend us. It’s based on assumptions that may not turn out to be true (e.g., that I won’t work. I almost certainly will, but there’s no way to know how much I’ll earn, so we can’t really take that into account), but you need to establish a few basic things so you can move on to doing the math.