By the time Pavlo came around, CT&T's unpaid balance had jumped to $25 million, more than that of any other upstart reseller. The situation was dicey because CT&T used local distributors who were themselves millions of dollars in hock to CT&T. For all Pavlo knew the distributors might also be owed millions by the beer and cigarette deliverymen rumored to be reselling the cards to urban delis and bodegas.