I've always had problems getting credits, then I discover when I got my first apt that and attempted to get a telephone in my name (this was before cell phones) that someone had beaten me to it, likely one of my guardians. So I had to pay the bill before they would connect my service. Little did I realize that this debt had tarnished my reputation before I had turned 21 and that this was why I was refused a gym membership a few years back; when the gym mentioned the reason was my credit. I was of course oblivious and didn't know what they was talking about and remained that way through out my life which has affected my quality of life. Because when you are poor and ignorant, and the the two is like peanut butter and jelly, credit is the only way of acquiring lifes necessities and luxurious-legally. So to find books that actually provide real life value and for a nominal fee is a rare find, in my opinion. So kudos and Thanks.