(QTR (QTC (S (BASENP (DT This)) (VP (VP (VBZ makes) (S (BASENP (PRP it)) (ADJP (JJ difficult) (PRN (COLON --) (ADJP (CC and) (ADJP (JJ risky))) (COLON --))))) (S (VP (TO to) (VP (VP (VP (VP (VB underwrite) (PRN (COMMA ,) (VP (CC and) (VP (VB price))) (COMMA ,))) (BASENP (DT the) (NN loan))) (PP (VBN based) (PP (ADVP (RB solely)) (PP (IN on) (NP (BASENP (DT the) (NN borrower) (POS 's)) (NN credit-worthiness)))))) (PP (IN at) (NP (BASENP (DT the) (NN time)) (PP (IN of) (NP (BASENP (NN application)) (PRN (LRB [) (PP (IN for) (BASENP (DT the) (NN card))) (RRB ]))))))))))) (PERIOD .)) (DQR ''))