1. Has there ever been, or are there currently, any financial judgements or legal proceedings against any of the borrowers?
2. Are any of the borrowers having difficulty meeting existing commitments?
3. If "yes" has been indicated to question 2 above, are any existing debts currently in arrears?
4. If "yes" to above, have the borrowers employed any strategies to reduce payments and/or clearing any/all instance of arrears on existing debt?
5. If "yes" to question 3 or 4 above, have the borrowers formally or informally applied for hardship with their existing lender?