It was told by a friend who worked as the head of the bank’s security service. It has been a week since I started working in this position. The owner and the head of the bank had not been known before. We met with our common acquaintance. The conversation lasted about half an hour, and he suddenly offered to work with him. We met again, asked my questions, discussed the conditions, and I agreed. The man turned out to be interesting, a candidate of legal sciences, worked in responsible positions. Gives me to study a business project presented by his old friend, a landlord. He is engaged in mining in the region far from Moscow. He asks for a loan of 40 million rubles, to organize the mining of gold. The project is well-designed, with clear schemes, graphics. Possible risks and ways to eliminate unwanted consequences are detailed. All banking agencies agreed to the project. When the CEO came, it was my turn. Of course, I am far from mining and geology in general. However, there was a little rumor about the name of the area. I have never heard of precious metals. Only iron ore. Carefully read the entire project, made a call to his subordinate to the branch, where both friends-businessman were born and raised. The next day, they sent information about how the borrower took large money from two local banks and successfully dropped it. And he has two lawyers assistants who have no place to test. In the very project found a letter from the regional geological management that the conclusion about the presence of any precious metals on the specified site will be ready not earlier than in a year. While it is being studied. So far, there is no reason or purpose for any work. The project envisaged an early start of work. In the open database of legal entities registered in the Russian Federation, the applicant was a construction organization in his hometown, established two weeks earlier, and nothing more. In fact, I spent less than an hour on the entire examination. The loan was refused. The head of the bank was stunned by the information about his old friend. I wonder who in our country is doing business, honest and not only.