Data backup and collaboration.
A scholarship of any kind will work because the college pays u money and a loan will take forever to pay back and u might be in debt for a long time
It really depends on what you're using it for such as looking up a recipe or an answer to a question. If you're using it for illegal purposes or looking up things that are seen as morally wrong by other people it can make the internet seem like a bad thing. But the internet wasn't created with that intended purpose so again it's just your own personal opinion.
True, in order for the text color to be changed you have to select the entire text. If no text is selected one of two things will happen; either nothing will happen at all, or the next wors you type will be a different color.