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    What on earth are you talking about Gary? Are you so blinded with bile against me that you have to have a go when there is no real difference. I am saying that we need to know why this is happening and see if it is justified or not. Unless of course you are suggesting that the banks should just lend blindly regardless of the quality of the submission.

    Remember, I run a small business, many of my clients run small businesses as do many friends. I am at the sharp end of this.

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