You have just accepted your first job out of college, which requires you to evaluate loan requests at Beach Front National Bank. The person training you at the bank, Jim Baker, uses a loan request received from Surfer Dude Supplies, a small proprietorship. Marty Monroe, the owner, is requesting $75,000. Jim tells Marty that all they consider before making a decision on the loan request is an accurate set of financial statements. Do you think this an accurate statement on the loan request process? What other considerations or information likely are part of the decision-making process by the bank?