tintotopi jee,

material ledger ta ahile ko antarvarta ko lagi chahiyeko ho..bhavishya ma FICO ko aru pani chahina sakchha...tapai le k k ma dakshata prapta garnu bhayeko chha hola?

yo sathi lai pareko khanda ma madat garna saknu hunthyo ki?

sabai nepali haru bata madat ko apekchha rakhda chhu..