A young couple wants to buy their first house. Their credit score is 650 and they have spent $800 of a $1,000 credit limit. Do you give them a loan? If yes, what rate are they getting? What do you tell them if they ask what they need to do to improve?

hi my dude or dudette

if the temperature drops and becomes cool

then the atmosphere can be freezing as the water vapor in the air is at maximum (100%) and can be severely cold

also can be snowing lightly as the moisture in the air will start to solidify

and btw this is not chemistry but