you said, "Our, Nepalese, society is not built up in credit and credit history. I know there were lenders in villages, who used to take 36% interest rates. I remember people calling them oppressors well if you are not smart enough you will end up in the oppressors hand here in the first world ." It seems like you're defending the oppressors in nepal and you don't even know the meaning of oppression...DUMB! But lecture one cc was good :)