Prior discussions in this forum have discussed similar topics. A common reply was that these were often adopted without the customization required to truly personalize them. This can lead to internal policy violations.
I'm sure there are some folks happy with these to use as starters, but I was happy developing a template and taking the time to develop what was required and worked. If you are going to spend a lot of time on this, make them functional, or its only lip service which you're already unhappy with.
Look at the thread, Loan Policies and Procedures , for more on this.
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Andy Zavoina
Opinions stated are not necessarily that of my employer.
[This message has been edited by Andy Z (edited 04-04-2001).]