When they lend money they think "CAMPARI & ICE"!
Now we all know bankers like a good lunch but this is an acronym as follows.
A bility (How good are you at what you do?)
M eans (What's your overall financial situation?)
P urpose (of loan?)
I insurance ( i.e. security)
And, from the banks' point of view?
I nterest (rate)
E xtras (What else can they interest us in?!)
Now you know.