hi this is Ken Clark just wanted to call you about your personal loan inquiry this is Ken Clark I reviewed your file earlier today through 1 of our lending Partners it looks like you were looking for a personal loan and we had previously sent you a pre-approval I wanted to follow up because the lending guidelines have become more flexible this month so there's a good chance we can revisit this and potentially reduce your rate and payment right now a lot of our lending partners are opening up approvals for clients in a wider range of financial situations where able to structure loans with more manageable payments and better options than what was previously available