(Labor is expensive) You can do construction to permanent but then you are paying interest on the full balance. With the former, you can pull out the funds as you need to build. Any commercial banker will educate you, and the rules are loose in this financial arena. We have proto Romance words surviving in the Mediterranean from Portugal, in the west, to Turkey, in the east. Clearly, it was a cosmopolitan lingua franca until the late Medieval period, when the political map began to inhibit meme flow, so that cultural isolation caused the modern languages to begin evolving. As a result, proto Romance survived by vestigial fragmentation of its lexicon into the languages we see today.
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