everybody has it, and the amount and type of wax can depend on a number of things including your age and environment. i really enjoyed the story and it had an element of suspense for me, even if overall it was a bit predictable. and when the box starts to overflow, then it's time to get the data into my computer where it will be easier to access. these are simply strapped for cash plus they need to have a loan as fast as possible. this is at the core of theory u, and it is quite a moving process for most people. 