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A bank would look at an audit opinion prior to making a loan, in order to determine:
Extramarital Affair
A sexual relationship or a romantic friendship or passionate attachment between two people, one or both of whom is married to someone else.
Husbands
Married men, especially when considered in relation to their partners in marriage.
Teenage Males
Young males typically within the age range of 13 to 19 years, navigating the period of adolescence.
Teenage Females
Young women typically aged between 13 and 19 years old.
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