As the credit crunch continues we are finding an increasing number of people looking for credit.  This is great as we have issues with the way the banks deal with some of their customers.  Being an indepentant company there is "no such thing" as a government bailout. So that means if we make poor decisions then we suffer on our own. That is why we have criteria set up to help us make the most informed decision. Our decisions are based on relationships not just the numbers, and we fully understand that sometimes $&*t happens. Over the years we have learned that relationships are the key to success. I have personally been extremly busy trying to do the best I can for people during the recession. I have not been able to help everyone, however the company explores every opportunity.