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Europe achieved their biggest victory in history of The Ryder Cup after sensationally sweeping to success in Sunday?s singles matches. >The emphatic winning score of 18.5 to 9.5 points resulted from Europe winning seven out of the 12 singles matches. The American side, gallant in defeat, claimed four singles matches while one game was halved.

Fittingly it was Colin Montgomerie, the man known as Europe?s ?Mr Ryder Cup?, who won his singles to win The 34th Ryder Cup Matches.

The Scot justified his selection as Bernhard Langer?s Captain?s pick by defeating David Toms on the 18th hole on Oakland Hill Country Club?s South Course.

Montgomerie, after a colossal battle against his American opponent, was one up playing the last and holed a tricky downhill par putt from four feet to win his match by one hole and secure the point which gave Europe an unbeatable 14.5 points.

In the match ahead England?s Lee Westwood had defeated Kenny Perry on the 18th, also by one hole, to pave the way for Montgomerie to secure the trophy for Europe.

Westwood?s point had moved Europe onto 13.5 points and with only 14 points required to retain The Ryder Cup, Montgomerie only needed to half his match to ensure a tie to see the trophy stay in European hands.

Europe?s other winners in the singles were Spaniard Sergio Garcia who beat Phil Mickelson 3&2 in the second match out to give his team a huge lift.

France?s Thomas Levet defeated Fred Funk on the 18th by one hole in one of six singles matches that went to the last. Padraig Harrington from Ireland beat Jay Haas by one hole while England?s Ian Poulter triumphed over Chris Riley 3&2.

Irishman Paul McGinley, the man who holed the winning putt for Europe two years ago, was in the last match out and won against Stewart Cink 3&2.

In a thrilling match between Northern Ireland?s Darren Clarke and Davis Love III, Clarke missed a four foot par putt on the last that would have given him victory. The game ended all square.

The first singles game of the afternoon saw Tiger Woods record a comfortable victory over England?s Paul Casey 3&2 to put American points on the board while Jim Furyk trounced another Englishman David Howell 6&4.

Chad Campbell claimed the scalp of England?s Luke Donald 5&3 and Chris DiMarco overcame Spain?s Miguel Angel Jimenez by one hole.

What are the three `c's`?

Traditionally bankers look at what are called the three `c's`: character, credit and collateral. Character means more than not having a criminal record. It means that the banker feels confident that you are not going to suddenly disappear for parts unknown if the business runs into trouble. Specifically bankers like to see ties to the community such as long residence, family ties, and home ownership. A clean credit history is important. A couple late credit card payments shouldn't be a factor, but missing mortgage payments for three months in a row will require a good explanation. Bankers like good character and good credit, but they live for solid collateral. Equipment, buildings and trucks--that's the kind of stuff that bankers really like for collateral--solid value and likely to be worth a lot even if the business goes bust. Inventory, raw material and goods are second choices for collateral--they will lose their value more quickly than fixed assets but still be worth something.

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