Loan policies have come a long way since the go-go 1980s, when "quit your moanin' - get out loanin'" was the order of the day for lending officers.

For the 1990s, the theme is "back to basics." Gone are the days when a bank officer could court the borrower at a nightclub table, drawing up the loan on a napkin while the customer guzzled champagne out of his boot.

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