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In today's video, we discuss Navy Federal's internal score, which is a scoring model used by banks to determine how much they are willing to lend to you. The first key point in Navy Federal's internal score is relationship banking, which involves having various accounts and products with the bank. This is important because it shows your commitment to the bank, stabilizes your relationship, and reduces the perception of risk, making it easier for the bank to lend you large amounts of money.