The demands made on us increase as we grow older, and our environment becomes less forgiving of mistakes. (tonguetie.net)
Furthermore, freedom of information legislation may mean that candidates can see and perhaps challenge the scores themselves, the way scores are interpreted or the decisions made on them. (newscientist.com)
If you had ten or fewer payments left to make on something like this, it used to not count towards your ratio. (7thlvl.com)