Banks want to know that you have exhausted all other avenues yourself, says Sheila Smith of Deloitte, a consultancy.

银行需要知道你已经用尽了你所有的手段，德勤的顾问，希拉·史密斯说到。

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Banks want to know that you have exhausted all other avenues yourself, says Sheila Smith of Deloitte, a consultancy.

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Director of Student Services at Manchester Metropolitan University, Sheila Aynsley-Smith, becomes an MBE for services to higher education.

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