In this latter case, either the person with excellent credit applies alone, which is more difficult for mortgages and major loans, or the person with poor credit builds up their credit score before applying.
Shadow culture secretary Harriet Harman said Lord Hall was an "excellent choice... the right person to bring stability to the BBC in these difficult times".
Perhaps we should not worry because if Mr Drucker's excellent survey is representative of the work of a person in his 90s, effective active ageing policies may offer a solution to the problem of ageing populations.
Seeing him in person next to the actor who created him in our imaginations made that excellent actor (how often does a Hollywood actor play a mastermind and actually come off as that smart?) look like a relative shadow.