A note indicating an individual’s creditworthiness or credit rating.

A card issued by a business that entitles the holder to purchase items on  credit at participating retailers.

Money loaned. Also refers to the borrowing capacity of an individual or  company; also an entry on the right-hand side of an account ledger, representing an addition to a revenue or liability account.

The practice of bringing a result to existence; the art of borrowing from others   in order to refne, remix, reconstitute, reassemble and evolve; out-of-the-box  skills.

The ability to produce something original, and often ingenious, as the result  of imaginative thinking; a person with this characteristic brings imagina- tive, progressive thinking to new product development.

The average price of providing the necessities for an individual; the cost of  buying those goods and services that are considered to be a standard level of  consumption.

In the evening Mr. Hill invited all the participants to a farewell party at the Beefeater restaurant near the Tower of London. In general Beefeaters are warders of the Tower, dressed as in the days of the Tudor kings. The restaurant is famous for its medieval ages per¬formance and the spirit of the time. It's like a costume drama with the history of England unfolding before the eyes of the guests. The participants enjoyed the performance immensely, had a very nice meal and a few drinks. A few toasts were pronounced like these:
To the success of our business!
To our prosperous business! Cheers!
To your very good health!
There were also many thanks like these:
Thank you very much for having us.
Thank you for the nice stay we had here in London.
We were very happy here. Thank you very much.
Everything was unforgettable. I thank you a lot.
We 've really enjoyed the visit.
In the morning the Group checked out and the coach took them to the Heathrow Airport. There was no queueing up they checked in very quickly and went upstairs to the Passport Control point. Here they said good-bye and expressed thanks to Mr. Hill. In reply he said many kind words and wished them a safe journey.
The journey back home was really very smooth and enjoyable. A few days later Pete Smirnov, General Director of Economtraining, sent the following letter to Mr. Hill:
Dear Mr. Hill,
Let me thank you and your esteemed company on behalf of the Group and our company for the hearty atmosphere of their stay in London, for very informative lectures and very useful external visits they had. They also thank you heartily for the chances to do some business of their own and to make a few visits they had planned. I hope that we shall ar¬range similar programmes in future as well to the satisfaction of our both parties.
Let me send you and your family my best wishes for Christmas and a very prosperous New Year.
Yours faithfully,
Pete Smirnov

On the eve of their departure to Moscow the participants had some free time and Mr. Hill proposed they should make a trip to Oxford.
Oxford, first and foremost, is known for its University. The Uni¬versity began itself in the middle of the 12th century, and by 1300 there were already 1,500 students. At this time, Oxford was a wealthy town, but by the middle of the 14th century, it was poorer, because of a decline in trade and because of the terrible plague, which killed many people in England.
Relations between the students and the townspeople were very unfriendly, and there was often fighting in the streets. On the 10th February 1355, the Festival of St. Scholastica, a battle began which lasted two days. Sixty-two students were killed. The townspeople were punished for this in two ways: they had to walk through the town to attend a special service on every St Scholastica's day until 1825. Worse than this, the University was given control of the town for nearly 600 years.
Nowadays there are about 12,000 students in Oxford, and the University and the town live quietly side by side.
When the coach came to Oxford the participants bought some colourful books on Oxford, maps and some souvenirs. Then they went sightseeing and stopped near Trinity College.
Tatjana: The college looks great. I wonder how old it is.
David: I myself am an Oxford graduate but I don't remember when exactly it was founded. Let's look in the guide book. Oh, it was started in 1315.
Tatjana: Is it the oldest college?
David: Oh, no. Jesus College and some others are much older.
Tatjana It's very beautiful. I'd like to study here. Is the chapel open to the public?
David: Yes, it is. Let's go and look. The choir of this college is famous in England They sing on TV every year at Christmas

Here is an item on financial news published by The Financial Times which some participant read

The British are a nation of newspaper readers. Many of them have a daily paper delivered to their home just in time for bieakfast.
British newspapers can be divided into two groups: quality and popular. Quality newspapers are more serious and cover home and foreign news thoughtfully while the popular newspapers like shocking, personal stories as well as some news. These two groups of newspapers can be distinguished easily because the quality papers are twice the size of the popular newspapers.