Karl you have a very interesting perspective

[Muadib]

on business.

Let me see if I can get some more clarity.

Let me start with this question:

Do you believe there is risk involved in any business venture ?

[Karl]

on business.

Let me see if I can get some more clarity.

Let me start with this question:

Do you believe there is risk involved in any business venture ?

Yes!

[Muadib]

Ok good..

Now.. what criteria does a Bank use to determine if you are able to pay back on a loan ?