Looking at the picture do you think in the upcoming years loans borrowed will increase or decrease? any reasons

What is the difference between theme and universal theme? theme refers to the central insight revealed through an american story, while universal theme refers to a theme revealed through a story of foreign origin. theme refers to a central message that applies to anyone, anywhere, while universal theme is particular to a certain individual, historical context, or culture. theme refers to the central insight revealed through a story, while universal theme refers to a theme that applies to anyone, anywhere. theme and universal theme are two terms that have the same definition.