Passed on from a friend who works for a bank

[andrewducker]

Ever gone into a bank branch to ask about getting an unsecured loan?   If you have, you might notice that sometimes they can see you right away and sometimes you'll be asked to make an appointment.

This has nothing to do with how busy the staff are, but -everything- to do with whether the staff are on target for upselling that period and want to move you into the -next- period for their targets...