23) If a borrower chooses not to divulge some information considered necessary to process the funding request, which of the following should not be suggested to the client to help them reconsider their position? suggest that disclosure will always result in a better risk rating and pricing for the loan suggest entering into a non-disclosure agreement amongst yourselves walk away from the client O go ahead and process the loan anyway Single choice 24) A family business has recently passed from a father to four sons. The sons are discussing strategy and plans for growth. They are thinking about bringing an independent director onto the Board. Each son makes a different point. Which argument do you think will help the company the most in the long term? An independent director will help us improve planning and bring discipline, strategic focus and structure to Board meetings An independent director will get in the way of family decisions O An independent director will always be on the side of family members The independent director must have the same skills as we do