We can't go, read the contract, we go, the internet goes. I'm not feeling very good. Might have been the banana I ate. You ate the banana?! He ate the banana!??!! Er, guys... Banana isn't gone. Huh? Hello! ZOMBIE!!
"Dear sir or madam, Thank you for your application to extend the mortgage agreement. Unfortunately at this time we must inform you that you do not meet the criteria necessary to satisfy our board of directors. As such, we must terminate our existing agreement and immediately proceed to reclamation of your finances. We hope that this will not cause undue problems but we would like to remind you of our patience in this matter up to this point. Please find enclosed all information pertaining to bankruptcy proceedings.
Thank you again for banking with Lehman Brothers & Co!"
See, don't the humanising smilies make you feel a bit better?