Again this comes down to circumstances. I don't personally know Karla Peralta's money situation, however, there is the possibility of having poor credit due to

Again this comes down to circumstances. I don't personally know Karla Peralta's money situation, however, there is the possibility of having poor credit due to the food stamps and things like that. I, again, don't disagree with you but to be so matter of fact is in my opinion incorrect.