8. Normally, when using a credit scoring model receiving a zero on a variable such as income would:

1. Raise the result (Y) and makes getting credit more likely
2. Lowers the result (Y) and makes getting credit less likely
3. Has no impact (Y) on the credit scoring model

9. Trade Credit from suppliers is booked on the Balance Sheet as a (an):

1. Accounts payable
2. Notes payable
3. Short-term bank credit
4. All of the above