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Credit is a system whereby a person who can not pay gets another person who can not pay to guarantee that he can pay.   Dickens, Charles

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Charles John Huffam Dickens FRSA (7 February 1812 - 9 June 1870), pen-name "Boz", was an English novelist. During his career Dickens achieved massive worldwide popularity, winning acclaim for his rich storytelling and memorable characters. Considered one of the English language's greatest writers, he was the foremost novelist of the Victorian era as well as a vigorous social campaigner.

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