There is a multitude of ways in which our leaders reach us personally.
For example,
Teachers are leaders that are more specialized in helping students, and there are some, such as counselors that are even more personally.
A more general way that we are reached is through laws. We choose our laws, and they in return enforce it. Such as building roads, or helping develop towns.
The correct answer is John Stuart Mill.
He was a famous British philosopher who lived during the 19th century. He was a major proponent of utilitarianism, which is an idea that everything we do is supposed to help the society around us. According to him, even happiness is a utilitarian though, meant to help the world.
The native Americans already had the first 3 items. The British brought horses to the new world and the native Americans used them a good bit Civil War and after.
With low credit, it's harder to obtain a healthy life style. Financially, for example, you wouldn't be able to receive loans from banks due to your credit being so low from previous transactions in the past, which eventually can put you at risk of getting any more loans.
No you should go out and try to find the perfect person