You struggled to keep the car from slipping into the snow drifts. You had taken a different route. The road was dark and secluded. No one in his right...mind would be out in this weather, yet here you were. Suddenly a dark shape darted in your headlights. "Deer!" You dodged to your left and then it was too late. The tires skidded, loosing traction on the frozen highway. All you saw were the trees, coming at you, in almost slow motion. Next thing, you saw was white, as snow flew up and crashed. He had just reviewed the credit check on Raul Estevan who had applied for a loan to open up a taco stand. The two bankruptcies Raul had failed to mention on his loan application or when he was interviewed were the reasons Doug was going to turn down the request for a loan.He had finished his write-up and was about to walk out and give the file to Lisa to send out a turn-down letter when that became unnecessary as she walked into his office. He handed her the file.“Jeff Martin is on the phone. More

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