The main reason why ethnic tensions became such a severe problem in the Soviet Union and Yugoslavia is because the the USSR was such a vast territory that it forced many people who had not gotten along for centuries under the same political umbrella.
<span>the deliberate killing of a large group of people, especially those of a particular ethnic group or nation. so... it would be to get rid of a certain group.</span>
I think the answer may be Personal Education Background. I assume the question is talking about credit as in credit card. Payment history is a big part of credit, personal health history may be important because if you have a lot of debt that you are struggling to pay off it could affect your credit I think and length of employment I would say is important because you need a job to pay. I'm not 100% in this though, I'm just trying to help.
Hope this helps! (:
