Dana Samuels notes on her application for credit information two $15,000 debts, one to General Hospital and the other to Macy's department store. Main Street Bank's lender, Giorgio Pucci, contacts General Hospital and Macy's to verify the amount and payment status of the debts. He learns that both are more than 90 days past due. Any two debts of this size that are more than 90 days past due would disqualify Dana under the bank's loan policy for underwriting criteria