At a Mumbai bank branch, Meena processes loan applications using a strict rule: she opens each application envelope, reads the applicant's credit score, and if it's below 650, she immediately rejects it and moves to the next envelope without reading income, employment, or collateral documents. On a busy Monday, she processes 83 applications in 4 hours. Her manager Ravi processes only 41 applications in the same time because he reads every document in every envelope before making any decision.