The scoring model helps you to figure out how many points will come of your credit score when certain events happen such as dept settlement, foreclosure, late payments, maxed out credit cards, and bankruptcy. While this helps you get a general idea of what to expect from your credit score it is not set in stone. The scoring model includes information that may be used in the consideration of your credit score and may include your time in at your job, whether or not you own your own home and if the payments were made on time, it may include a balance of your credit lines and any inquiries that were made from people you went to for credit or people who inspected your credit for credit worthiness.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.