Jack has been very unreliable making loan payments in the past. he has been late on many payments, and completely missed several others. he can expect to now have a
high credit score and no trouble getting another loan
high credit score but difficulty arranging more loans
low credit score and difficulty getting another loan
low credit score but no difficulty getting more loans

the old way of life was represented by superstition, an angry god, and absolute submission to authority. the thinkers of the age of reason ushered in a new way of thinking. this new way championed the accomplishments of humankind. individuals did not have to accept despair. science and reason could bring happiness and progress. kings did not rule by divine right. they had an obligation to their subjects. europeans pondered the implications for nearly a century. americans put them into practice first.