A) Surely you can understand why we must limit your credit.
B) We ask you to understand why we must refuse credit.
C) Because your ratio is below this minimum, we cannot grant credit at this time.
D) You will understand, I feel sure, why we must limit credit to those whose assets-to-liabilities ratio exceeds the two-to-one minimum.
E) I sincerely regret that we are not able to grant credit at this time.