Based on posted info, you still need to pay the other 5 mil on 2011.
So it is still a 20 mil deal. Whether it is installment or how the installment deal, it doesn't affect the total/initial amount dealed.

Somemore with loan out, mean it is still a Liverpool player which run its course of original contract signed.
Just wages may not need to pay for loaning out player.

So basically, you save the wages by loaning out the player, but since the players contract still running, aka the nearer the contract expired, the less value of resale value.

0-1 win is good enough already.
Man City is not a so so team especially at home.

Liv away record always not good to start with.
RH with Fulham time, away record also not something very good.

When RB played 4-5-1, people complaining too negative
When RH played flat 4-4-2 with attacking minded, people said suicide.

Errr.... don't know what to say.

When lost, everything is not right.
When win, everything is right.

We must accepted that with current squad and team issue, Liv is not going to win every game. The target of this season is 4-7th or should I said this is the realistic expectation

We also must know, Man City, no longer the old Man City, they are now a big team, Liv is not in term of financially.

We should judge after 8-10 matches, as first 2 games against Arsenal and Man City, is not a push over.

If cannot win or lose further 2 matches, like WBA, Birmingham, then start the bazooka to criticise also not too late.

Just my 2 cents.

$ does play very major role nowadays.

That's why a bigger stadium is the most important/priority thing to it.
Without it, there is limit how far the club financial can do.

Challenge title? Never cross my mind ever once, no offence
We must realistic, current squad is a Europa League qualification and have slight/slim hope for CL.

The club financial is weak, you don't get cheap with young gun with lot of quality or proven quality mid-20's players.
Either go to unproven young gun and hope they can develop, or go for late-20's or 30 proven PL players.

But go for young gun if turn out not so good, you may risk into total mid-table team. So the safe option is for short term for go cheaper alternative late-20's proven PL player, which shouldn't cost too much in term of transfer fee.

The manager appointment or contract is 2 years which speak all.

Every person is different.
Some don't like the weather, some don't like the environment, some prefer this and that.
So one liking, doesn't necessary other feel the same.

My 2 cents and experience.

Skrtel can easily conceded 2 penalties when defending corner kick time.

Torres clearly is not fully fit yet, not as usual pace.
Gerrard also not looks like fully fit.

Very average performance, a mid-table team performance.

Midfield has no control of the game with Lucas+Poulsen.

Need improvement in midfield area.

This is usual across.
Every manager has their own liking, way of playing, strategy etc.

GH, RB, now RH, even for other club, all are like that. Just remain a few name, that is core or established one, which is the spine of the team.

Just like now Liv has turned from zonal to man to man marking during defending corner time.
But Skrtel needs to be told, that need to reduce down the shirt pulling, if not there will be numberous penalty as result of it.

Why Liv need another GK?
taught just sign Brad Jones from Boro.

oic.

Striker department, have Torres, Kyut Ngog, Babel, Pacheco, and Gerrard as well. So there is no urgency of a striker.

Current problem is at midfield area, controlling and creativity.

Kyut most effective position is still in striker department, he can score vital goal for you.
He is not good or known best in delivering crossing in. Not mean to discredit or criticise.
He is useful for his workrate especially when playing defensive time against much more big/better team.
He is the one chase after opponent GK, waiting some chances in front of goal, (like opponents make mistake, GK spill the ball etc. which many time, Kyut has scored such an vital goal for the team).

Against WBA match, we can see clearly it is the midfield area problem, Gerrard and Torres upfront is helpless without any supply and creativity pass from midfield.
They have no control on midfield area, nor have splitting passes or movement that dismantle opponent defence.

Poulsen, Lucas, Spearing until now are not known as attacking midfielder, or midfielder that can dictate that pace of the game, or creativity like Alonso and can deliver accurate passes to upfront.
They are more a holding midfielder.

Torres has pace, he needs splitting passes , quick passes, accruate passes for him to score goal, and take advatange of his pace to beat opponent.

Just my view.

Championship?

You mean English league championship
Win the Championship after relegated?

Joking only.

Yes, no point look backwards, everything move on and forward, keep on complaining is bad of the team morale only.

Just say thankyou from both side, and thing moves on.

I am a more realistic person.
Realistic expectation, or hope is get 4th place into CL, that's what I am predicting/expecting/hoping.

It is not about losing 1 matches and draw 1 matches or just because a 2 poor result that conclude we can win or can't win, it is the team play, personnel, that doesn't look like a ruthless and can win comfortably every match.
Unlike the top 3 teams, that almost every week, we know they can brush aside easily most teams and only occassionally slip up, Liv can't show this kind of character/form, or whatever term you named it.
It is unlike in 80's time, whenever Liv plays, we 90% confident, the team can win. Now even can struggle against mid to lower league table team and fail to create much and under pressure or have no control on midfield.

Yes, I am much agree, once players left, don't need to badmouth about previous issue. Things move on.

LOL, like that also can.

Gerrard still need to play at midfield. Put Pacheco, Ngog or Babel to pair with Torres.

With Lucas-Poulsen combinatin, there is no one to control the midfield area, and create passes. Torres + Gerrard combination has lose the spark initially season back. Opponent knows how to play and deal with this strategy already, just cut off the midfield supply, nothing can be done by both of them.

Liv plays better after Lucas being subbed and Gerrard shifted back to the midfield.
Somebody need to take control the midfield area.

If not Reina, it was another 3-0.

I am a bit surprise, RH didn't use Ngog, Babel or Pacheco for more offensive.
May be just like the manager said, he was ok with the draw.

It is not the result issue alone.

Out of 4 matches, Liv didn't play well in all of them.
Poor against Arsenal, except some brilliant period soon after second half.
Poor against WBA, little threat and penetration, scrap 1-0 win with poor performance.
Poor against Mancity, don't need to describe further.
Poor against Birmingham. Not like a team that challenge for 4th place. In fact, could easily lose 3-0 if not Reina superb save. If one doesn't know which team is which team, people may think Liv is the team the on bottom half of table that struggling in league position and struggling to get a goal one.

All 4 matches, one identical issue, no threat to opponent goal. Opponents are actually attacking and Liv is the receiving end of bombardment. <--- this is the most worry part, not the result alone.

There is some coorelation.

Just like you work in the company, when the company future is in doubt or uncertain, your work rate and enthusiasm more and less will be affected.

Little teams can have good performance, when there is lot of uncertainty surrounded the players's head.

In my view, a draw is an extreme good result for Liv for this Sunday match.

The one player that can deliver good corner/cross and set piece is Aurelio.

Cross is fast and curling which make life difficult forr defender.

Alonso already known for his capability in this area. Not something new.