Editor, I would like to join my fellow CSS customer, who expressed his dissatisfaction with the CSS decision to stop issuing loans to civilians. I do not know the reasons why such a decision was made but in my understanding, I think that it’s a positive thing for a bank to have many people applying for loans. That is, of course, unless those people cannot pay back their loans Why have civilians been treated so badly in CSS? I think that the CSS management owes us an explanation. Regards Claude Karangwaclaude.karangwa@googlemail.com