Can someone provide further clarity on the question below, as I don't see why the second response is not acceptable. The applicant did not disclose the "substantial outstanding debt" which sounds like they did not disclose information giving the right of refusal. A applicant can also be refused for having unpaid debts. Once getting it wrong, the reasoning is that an applicant can't be refused based on the potential of declaring bankruptcy, which sounds fine but it is not the part of the response that causes the issue (that being non-disclosure and outstanding debt). Can someone explain if I am missing something or if this is a poorly worded response? Thanks!