Planetary nebulae are not related to planets, other than that their shape may sometimes look like a planet. A reflection nebula reflects the light that is cast upon its' dust, from nearby stars. They are often blue in colour. A good example of a reflection nebula is the nebula that formed the Pleiades cluster.
Here is some information from Consumers Union about this personal choice. What the Security Freeze Prevents A security freeze is an effective tool in preventing the most costly and difficult-to-detect form of identity theft â false new accounts opened in your name.
Know that freezing your credit has no impact on your existing lines of credit. You can continue to use your old credit cards as usual after placing the freeze; freezing credit applies only to future, not current, lines of credit. Freezing your credit does not mean that you do not need to pay your credit card bills. Just as you are able to use existing credit cards, you are also expected to pay existing credit cards. Placing a freeze on your credit does not exempt you from needing to pay your bills.