Loan applications: assessed, decided and answered the same day

The scenario reads the form, works out affordability, runs a credit check and emails the client the decision — approval, conditions or a decline — logging everything to a sheet.

• The answer comes the same day, not a week later
• The assessment is computed from the form's numbers, not eyeballed
• Every outcome has its own letter — a decline is explained too
• Every application and decision accumulates in a sheet

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