People spend days developing business cases and balancing budgets, but one bank manager says crunching the numbers is only one consideration when assessing whether a proposal is viable.

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Bendigo Bank agribusiness regional manager Craig Rosenbaum, Dubbo, said before digging into costs and margins, he asked more generally about plans for the operation.

Understanding someone's motivation and goals often gave a good insight into the potential success, or not, of a business.

"Some people spend days, weeks, hours on it and, I'll be honest, in 10 or 15 minutes I can

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