1.   All new loans must be approved by the bank manager.

2.   Banks have been niggardly in approving loans.

3.   Getting the loan approved was pure hell.

4.   And banks say they have been able to approve loans to the self-employed who might have previously been rejected.

5.   And it will cut the number of bankers who must approve certain loans from five to three.

6.   And to encourage lenders to approve such loans, which have traditionally been considered risky, Fannie Mae has agreed to buy them.

7.   Any new loans must be approved by the federal Bankruptcy Court in New York and another court in Toronto where the company is based.

8.   As dessert for Beijing, Washington approved loans from American tax dollars to the very government-owned Chinese companies that committed the violations.

9.   Bank management was under intense and conflicting pressure when the loan was approved.

10.   Banks were given freedom to approve more loans, and venture capitalists were encouraged to invest more money, he said.