1 is required to establish a personal credit rating
2, 3, and 4 impact the calculated rating itself
The meaning of this idiom is that you should never feel hopeless when times get hard or difficult because difficult times always lead to better days. The difficult times are like dark clouds that blocks the sun. When we look at the edges of the cloud more closely, we can see the sun shining there like a silver lining.
No, I don't think so, because the vaccination is accelerating, there will be little or no need for social distancing after a year or two. Even if the online shopping businesses are growing, shops are not going to close in near future. Shops are not just a place for selling and buying, they are also sort of a social activity. The same applies to work from home, offices are also a place for social interaction besides being a work place.
She watched helplessly as the last days of the sun disapeared beneath the tops of the trees. Disappeared is spelled incorrectly
