A few hours later, Layla's done the calculations to head downriver and doesn't like what she's seeing. She doesn't want to go overland, it's filled with gnolls, but stabling the camels for the whole duration of her trip upriver and downriver again is expensive and useless, and it splits up the caravan in a way she deeply dislikes. She could send her people off on another trading mission, maybe with Kamil at the head... but that risks her coming back to no caravan at all. She should be at the head of her people.
She could sell the camels and purchase them again later, but she deeply dislikes that as well.
It just makes more sense to go overland - she just doesn't know if she can make it profitable as well, given the extra guards she'd have to hire to have a good chance of survival.
"Rana," she says. "Do you know any seasoned adventurers who would be willing to guard a caravan against increased gnoll activity for less than this amount?" She passes over the ledger book.