6. What has changed as a result of lessons learned from the economic problems of 2008/2009? Armed with an understanding of the cause of the economic problems, what lesson should you take away? 7. What is a credit rating? Why is it important? How can you find out your credit rating? How can you improve your credit score? 8. Explain the term debt drag. 9. Rank in order from lowest to highest, the cost of debt from various sources (eg. Mortgage, loan, payday loan). 10. What is the your opinion of "GOOD DEBT", "BAD DEBT" and "ACCEPTABLE DEBT"? Why does he believe that educ ion loans and mortgages are "acceptable debts"? Define a depreciating asset. 11. Describe the warning signs of credit problems. 12. How can you avoid getting into more debt