joe lives in a neighborhood where the grocery stores there rarely sell fresh or low-cost produce. Neighborhoods like Joe's are known as

answer; according to the ( irs );

answer/// randomly assign the participants to the   conditions

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.