please solve this case, answer should be correct and long enough

Clive was born and grew up in Guyana and was 16 when his family immigrated to Canada where he already had a number of uncles, aunts and cousins. Clive was ambitious and hard working. After graduating from high school he enrolled in a retail business program at the local college. While attending college, he frequently worked close to 40 hours a week as a waiter in his uncle's restaurant and he had managed to buy a good used car by his second year. Clive was not very academic, his grades were marginal, but he was always able to squeak through his courses. Besides, he didn't plan on going on to further education. Clive intended to open his own business Clive's plan was to open a store selling Caribbean attire, music, magazines and packaged foods, catering to the immigrant population in his area. To this end, he was carefully saving his money and he was prepared to sell his car in order to have more cash for the business. Even then, he knew he would have to borrow some money from the bank and he had a promise from his uncle to act as a co-signer. When the time came to open the store, Clive had meetings with landlords and various importers to get an idea of all his costs and expenses. Then he made an appointment with the manager of the bank where he had an account. In the meeting, Clive outlined his business idea to the bank manger who suggested that a business line of credit might satisfy Clive's needs. The manager provided Clive with a loan application and she said that Clive would also have to provide the bank with a complete business plan. She gave Clive the bank's website address and told him he could download a suitable business plan template from there. Clive was discouraged by all the detailed information that was required for the plan but spent part of the following weekend cobbling it together as best he could and then emailed it off to the bank manager. A day later, he received her response, thanking him for his draft of the plan, but explaining that it had many details missing and was hard to follow in places. She suggested that a "more professional" revision would be required since several people at the bank would have to understand it. Clive went back and looked at what he had written. He had no idea what the bank manager was complaining about since it all made perfect sense to him. Well, there were one or two places where he couldn't figure out what he had been thinking about at the time, but these didn't seem very important. He would just erase those sections. And maybe throw in a few more numbers to beef the thing up. A week later, Clive's frustration was climbing. The bank manager had called to suggest that Clive get some help with preparing his business plan so that it would be clearer to those who had to read it. "What should I do?' asked Clive, "hire someone to write it for me?" **That wouldn't really work," explained the bank manager, the plan has to be yours, not someone else's. But you will have to get someone to help with your grammar. Your business idea seems good, so don't give up on this. It's just that the concept and how the business will run are not explained very clearly." Clive promised to give it another try. But he really had little idea what she wanted and could not understand why she was being so picky. The following weekend, Clive called his younger cousin John who had excellent computer skills. Clive and John grabbed a couple of beers and spent over an hour looking through the plan for things that could be fixed up. Then John spent another hour designing an eye-catching cover page as well as reformatting fonts and adding colour and graphics to the plan. This was going to be Clive's last try with the bank and if he didn't get the loan, he would look to his family or other members of the community for informal loans for his business. 1. What are the chances that the plan will still not be acceptable? What indications do you have? It is missing Something 2. Why is the bank template of little help to Clive? 3. Would business planning software be of any help to Clive? Why or why not? 4. What is the advantage to Clive of writing a formal business plan and dealing with the bank? 5. What sort of help should Clive be seeking