But the real question, which Dvorak misses, is whether management types would trust that type of intuition. Loans are big business so I don't see a company lik

But the real question, which Dvorak misses, is whether management types would trust that type of intuition. Loans are big business so I don't see a company like BofA trusting the intution of individual loan agents. Sad but true. So I have to believe the process of giving a loan would be based on the same rules even if there were no spreadsheets.