gistfile1.vb

Dim outputString as String
Dim accepted As Boolean
outputString = ''
accepted = true

If (bad thing logic here) Then
  firstRecommendation = 'your thing is bad'
  accepted = false
End if


If (bad load logic here) Then
  secondRecommendation = 'your loan is bad lol'
  accepted = false
End if



if accepted then
  outputString = 'Accepted'
else
  outputString = 'Not Accepted: '
  if firstRecommendation != '' then
    outputString.append(firstRecommendation)
  end if
  if secondRecommendation != '' then
    outputString.append(secondRecommendation)
  end if
end if

return outputString