A system of credit scoring was developed years ago. Point values were assigned to various factors — length of time on job, renting or buying, length of time at residence, credit history, etc. It the borrower made the cut off, the loan was granted. Notable is the fact that specific, written criteria existed for scoring. In any loan or grant program, such criteria must pre-exist the program for the program to be sustainable and valid. Decisions cannot be arbitrary. Requesting funding without a fully vetted plan in place is putting the cart before the horse.