#!/usr/bin/perl -p
BEGIN{*ARGV=DATA,$,=$"x($=>>1^6).$/}s;\w;
substr$,,index($_,$&),1,$&;eg&&($_=!($.^5)?$,:$+)
__END__ You really expect me to cosine that loan?
J        he        ac
|u      t  r      h  k
+-s----o----\----/----e-
|  t  n      P  l      r
|   \a        er