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Banks have been doing this for a long period of time, usually through a scoring system. That's why they will ask what your employment is not just how much do you earn.

Brady... but hey I've been called worse :)

A whole heap of teachers are actually very unstable similar to some nurses who are on contracts alot not knowing if they will have a job next year, alot expect and usually do get a contract the next year but all don't. Been helping a customer over the last few days who is a teacher with the...