Ed Sayers just returned from a meeting with his banker with a frustrated look on his face. He tosses his keys on the kitchen counter and tells his wife, “I just can’t understand where my banker is coming from. I have a great idea for a new firm, but the bank isn’t interested in helping me with a loan. Tomorrow, I’m going to visit a couple of other banks to see if I have better luck.” Do you think Ed will have any better luck with the second and third bank he visits? Why or why not?