Any negative report is bad for your credit score, but it's hard to rate any one factor as more important than others. The Fair Isaac Corporation, which compiles the FICO rating used by all three credit bureaus and most lenders, says the importance of any one factor depends on the overall information in your report.
Virtually all biotechnology products are the result of organic chemistry. Biotechnology is used in in health care, crop production and agriculture, nonfood uses of crops and other products (e.g., biodegradable plastics, vegetable oil, biofuels), and environmental applications.
Surface area affects the rate at which particles can enter and exit the cell (the amount of substances that it takes up from the environment and excretes into the environment), whereas the volume affects the rate at which material are made or used within the cell, hence the chemical activity per unit of time.