1.   American Express said it had learned its lesson and had invested in new loan approval systems.

2.   But environmentalists familiar with the proposal are charging the ISO with rushing to get the plants in place by using a new streamlined approval system while ignoring conservation measures.

3.   For example, Amex is reprogramming its approval system to accept charges for these top customers that would previously have been denied because they were unusually large.

4.   Foreign companies are joining domestic companies in opposing any approval system that covers private-sector employees.

5.   But the Iraqis have complained of lengthy delays in getting food and medicine through the complicated U.N. approval system.

6.   But this will require a balancing act that involves improving the lax credit approval system which led to excess lending to the property sector in the first place.