Sheri, a u. s. citizen, works only in germany. the value she adds to production in germany is included

a. in both german gdp and u. s. gdp.
b. in german gdp, but is not included in u. s. gdp.
c. in u. s. gdp, but is not included in german gdp.
d. in neither german gdp nor u. s. gdp.

answer; i believe that the correct answer is client agreement;

credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.