How wonderful for you. In my job I have 1500 employees and an operating annual budget of $196 Million dollars under my direction.
In my job I regulary make decisions to accept or decline applications. I have the authority to bind millions of dollars in coverage. Yes, I have "guidelines" that I must work within when making decisions but I guarantee, I would be remiss and ineffective if I didn't at least give every applicant a fair hearing. How many applications do you think I see that have credit issues, previous claims poor financial conditions etc. Again, I work within guidelines, not rules and expections are routinely made based on what my investigation determines.