Tim pays a visit to the bank. Will the bank manager lend him the money he needs?

Manager:So, why should the bank lend you this money?
Tim:Well, I’ve been saving here for almost five years.
Manager:But haven’t you been unemployed recently?
Tim:Yes but I’ve been living on my savings, not using an overdraft. I’m a reliable customer and I think my new business is an excellent investment. A business loan would be good for me and good for the bank.
Manager:Well your current account does look healthy, that’s true. What about credit cards? Do you rely on plastic much?
Tim:I’ve got one but I always pay off my balance every month.
Manager:Well let me look at your proposal in more detail and I’ll get back to you soon.

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