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This one is about the bank. A loan used to be a single number, and rebuilding it turned up a few things that had been wrong for a while. The bank [*] You make a request, five lenders answer : with an offer, with less money, or with a refusal and a reason. One request per week. You pick the amount, the term and the right to make overpayments, and whatever you ask for costs interest. [/*][*] The bas…