The particular process responsible for repair was likely HRR. Transformation in bacteria can be viewed as a primitive sexual process, since it involves interaction of homologous DNA from two individuals to form recombinant DNA that is passed on to succeeding generations.
Conventional wisdom has long held that 20 percent is the magic down payment number when you're buying a new car. But the vast majority of people are making far smaller down payments. An Edmunds analysis of new- and used-car purchases in 2015 showed that the average car down payment was about 10.4 percent.
Like credit cards, you can probably find a way to finance a car with almost any credit score. The trade off will be a higher interest rate, higher monthly payments, and potentially a hefty down payment up front. In most cases, even with a low 500 credit score, you can come away with a manageable car loan. However, the interest rate will probably be above 10 percent and your down payment may be higher than you can afford without help from friends and family.