President Tinubu has asked the Senate to approve a supplementary external borrowing plan of $20.52 billion and €1.045 billion. My question about the proposed $20.52B and €1.045B external loans isn't "should Nigeria borrow?" It's "what are the terms, and will the projects deliver?" Borrowing can make sense when: The projects earn more than the loan costs, through revenue, foreign exchange or output. The terms are cheap and long. Repayment fits what the government can afford without squeezing other spending. The money reaches the projects it's meant for. It tends to go wrong when: Projects stall or cost more than planned. Loans are repaid in dollars or euros while revenue is in naira, so a weaker naira raises the real cost. Interest takes a growing share of government revenue. Oversight is weak. The report names sectors like power, transport and healthcare, but not the interest rates, repayment periods or specific projects. Until those are public, it's hard to judge it as good or bad. What's the one detail you'd want published before the Senate votes?