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Also clients need not be afraid of missing a payment and being referred to the Banking Credit Bureau , which might complicate any future application for a loan or a mortgage they would file with any bank , " said Alexander Mitro , Citibank Credit Card Manager . Accordingly , under the Clinton proposal , families could not lose more under the EITC changes than they would gain through the child tax credit . The other point I would make in moving spectrum is that there 's an integrated operational fabric that has been put together and balanced over many decades . Also , notice how the information shown below ( what you would see on your browser ) is only a subset of the information available in the XML source document . Candidates should apply in writing to the Secretary to the Board of the Faculty of Theology , University Offices , Wellington Square , Oxford OX1 2JD , and should ( a ) state the nature of their qualifications as candidates , i.e. by age and by Oxford degrees held or as members of Congregation ; ( b ) give a brief summary of their academic record ; ( c ) state the course of study they would pursue if elected , giving an estimate of expenses which would be incurred , and details of any other assistance expected to be received ; ( d ) submit the names of not more than two referees .