I'm defending a client against a promissory note arbitration claim by his former broker-dealer.  While we believe we have adequate defenses against a total payback, I would like to know what have been your experiences when you were offered that upfront money by the in-house recruiter or hiring manager?  How was the promissory note "sold" to you?  Did the BD dangle incentives?  How did you present evidence of your AUM and trailing twelve to determine the amount?