Auto loans and house loans tended to grow to more heights, and tended to be easier to obtain, it was the up and coming thing of the time. So, consumers thought, hey??? why not? Though I do not know the choices you have to choose from, this is the one I have known for a while. If you want to comment back to my comment with the choices you were given, I will gladly help if this comment didn't provide an answer available to you.
it is choosing certain animals that have traits that you want to combine to create a better organism and you can be more selective of what the outcome will be.
