Ariga says that is because he knows his customers - knowledge that separates him from his rivals.

CNN: THE NEW JAPAN INC.

Lenders are now coming up with new excuses like debt to income (DTI), and with full knowledge that these new factors disqualify current existing customers from a current market rate.

FORBES: American Dream Of Homeownership Fading. Rejoice.

What social networking tools provide is a way to break the divides that separate your employees and their expertise from customers and one another, fostering a climate of knowledge sharing and collaboration.

FORBES: Demolishing the Social Hype