I believe the answer is: Ethnocentricity.
ethnocentricity refers to the act of seeing our own culture as inherently superior compared to another culture. This often make people seeing the norms or tradition that exist in other culture by using our own as a standard. The more their culture deviate from ours, the more inferior we think their culture to be.
Simple interest is paid only on the principal borrowed.
The dark age also had the black pleague. That is most likely what cut them out.
X=10
(10-3)(10-5)=35
(7)(5)=35