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You disagree with your subordinate because you do not think restaurants are good investments in general, so you have a bad feeling about this customer's

  1. You disagree with your subordinate because you do not think restaurants are good investments in general, so you have a bad feeling about this customer's ability to repay the loan based on your experience with the market rather than any financial facts.
  2. You disagree with your subordinate because you think medical operations are high risk for legal problems, so you have a bad feeling about this customer's ability to repay the loan based on your experience with the law rather than any financial facts.
  3. You disagree with your subordinate because you think members of their family are business failures, so you have a bad feeling about this customer's ability to repay the loan based on your experience with social history rather than any financial facts.
  4. You disagree with your subordinate because you just have a bad feeling about this customer's ability to repay the loan based on your gut instinct rather than any financial facts.

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