As for matching the accommodation to the borrower's needs -- while that might be difficult when the hordes are beating on your doors for relief, but isn't that a basic rule of lending -- to address the customer's needs? At least select the best option for the borrower from your menu of choices.
Sometimes, though, the menu may not be more than "I got burgers and hot dogs, Whaddya want?"
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8