Mr. John Trethowan:

We still like the bank to take a second look at the application even if the applicant comes to us directly. It is only fair that the bank would ask a more senior official to consider the application. We typically spend a lot more time examining a case than would a bank for a normal SME application. Those applications are credit-rated and a decision is made. My reviewers roll up their sleeves in an effort to find a solution and that is probably one of the reasons we can get some applications across the line.