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so were here again but i think we need to have another awkward conversation lets talk about that duck isnt it oh thats good thats good this time its its about arranging your bank loan right changing your bank loan easy straight forward and should you do it yourself no thats it yeah simple simple yeah well great okay i see yeah depends yet again what you mean i mean getting a loan is sort of probably quite simple in the fact of you go to the bank that youve been with for many years and you say id like to borrow some money from dental practice so this would be going to the bank youve already got a relationship with that youve already got a relationship with so um they like lending to dentists so so dentist is a green light so thats good um have you got all your documentation have you got everything ready does that matter surely you just go and say well im a dentist you know me youve got a relationship with me can you lend me some money um no no no so uh so being the denti