My plan is to start at ATP KIWA in late June. Now that it is January, can I begin the loan process, or would I need to wait until the end of the month? I guess my question is whether they are talking about calendar months. I’d like time to get all my writtens done before the start date. Also, as a side note, I really need to start in June for a few different reasons, however what complications will arise from flying in 100+ degree weather? Obviously density altitude is a factor, but the runways out there look plenty long. Thanks and happy new year!