the reason i have that rate is because i have a credit score of 628 and i have my car payment and im a first time homebuyer, not to mencion that i have no down payment... he told me what the payment would be and its around $800, jana i make $2400 a month without OT.
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Scientific theories are the most reliable, rigorous, and comprehensive form of scientific knowledge. This is significantly different from the common usage of the word "theory", which implies that something is a conjecture, hypothesis, or guess.
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