one fable-low hijack cell
pair credit / debt
envelope en_vs_q
ordering AB
effort low
English 'vs' with question mark — '{X} vs {Y}?'
verdictpicked debt (second-offered)
· classifierB
· tiernone
response (200 chars)
# Debt vs. Credit
These terms are related but distinct:
## Credit
**Credit** is your *ability to borrow* money or access goods/services before paying.
- A **resource or tool** available to you
- Ex
neighbors