[NBJack]

Admirable, but short of a local credit union I used to use (which I am no longer with as they f'd up a rather critical transaction), I can scarcely imagine a business that fits such a model these days. The amount of transparency needed to vet this would be interesting to find though, and its mere presence probably a green flag.

[jacquesm]

It's much easier to use this to reject than to accept.