The quality of the loan approval is wholly dependent on the integrity of the information provided by the borrowers, filtered by the loan officer and used to construct the original electronic loan approval.

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Any mention of 'light touch', particularly in regard to the approval of training organisations that provide good-quality training relevant for the sector, should be treated with caution.

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Mortgage pre-approval was relegated to a low priority function and the quality of the vetting process and the resulting finished product suffered.

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The device, made by Hemel Hempstead firm Draeger, was subjected to quality tests by the department's centre for applied science and technology before approval.

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Both oenophiles and salmon lovers can see which vineyards are taking action via Fish Friendly Farming, a certification project from the non-profit and Napa-based California Land Stewardship Institute, which gives its stamp of approval to wineries and farms that work on habitat and water-quality issues.

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Approval would only be given if the proposal satisfied four key points: quality, impact, audience reach and value for money, he said.

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