Yes, it's ridiculous. It's the way things are going, but it's
  ridiculous still. Credit is a measure of trustworthiness. The
  theory is, if your friends are untrustworthy with money, then
  you are guilty by association. Sad thing is, they may be right.
  But birds of a feather do not always flock together. But they're
  looking for the 'average'... and... I hope they're wrong... they
  might be right.

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