Why do some lenders require borrowers to secure credit? O to make sure they are smart
O to guarantee full repayment
to reduce risk
to prevent defaults

I think to prevent defaults I may be wrong

The skin in the outer ear canal has special glands that produce earwax. the fance name for this waxy stuff is cerumen.after the wax is produces, it slowly makes its way through the outer ear canal to the opening of the ear.