A loan structured to require payment of lower monthly payments in payment periods than would be required were conventional loan structuring be applied, accompanied by payment of at least one higher \u201cMini-Baloon\u201d\u2122 payment. An apparatus that may be used is a heated infiltration vessel capable of operating at pressures above 100 psi, possible equipped with means to circulate heated pitch inside the vessel, in order to facilitate heat transfer into the carbon fiber preforms being infiltrated by the pitch. Catalyst A comprises a supported bridged indenoindolyl transition metal complex.