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" " We agree that in terms of biosecurity it certainly would be better if there were more resources on the border for inspecting meat , but the integrity of the system is n't based on the spot-checking on the border , " Mr. Murphy said . A cosigner is not required , since the loan is not based on creditworthiness . Faith , being belief that is n't based on evidence , is the principal vice of any religion . The program is not based on income and is available regardless of financial need . Loan amounts not based on financial need will have an interest charge while the student is enrolled . All accounts on the computer should have a password that is not based on words ( English or foreign lanugage ) . Listening is n't based on how much money you have . Much of the discussion heard from these countries , however , is not based on accurate understanding of Japan 's history textbooks . Dr. Lovejoy 's presentation is not based on a paper , so his remarks do not appear in this book .