kˈɔɪstaɪnən sˈiːks ɐ lˈoʊn tə stˈɑːɹt hɪz ˈoʊn bˈɪznəs, bˌʌt ɪz hˈɑːɹʃli ɹᵻfjˈuːzd æt ðə bˈæŋk dˈuː tə hɪz ɪnsəfˈɪʃənt ˌɛdʒuːkˈeɪʃən ænd lˈæk ʌv ɡˈæɹɐntˌoːɹz.
Koistinen seeks a loan to start his own business, but is harshly refused at the bank due to his insufficient education and lack of guarantors.