Play it on the touch bar ? 4 owXtzvk 5 M <| sep |> It ' s a beautiful ship . might buy me one again when I ' ll return to the game . maybe after 2 . 3 goes live whenever that is <| sep |> Thank you ! I went a bit offtrack . What does MP mean , by the way ? Main Protagonist ? <| sep |> hOI ! !! i ' m temmie <| sep |> I said Cleave is Physical damage , which is 100 % correct . In terms of damage types physical , magic , pure , it ' s physical . I didn ' t go into detail about how cleave damage works in my original comment , but I ' m not wrong . Please tell me how I ' m wrong , and not just You ' re wrong . <| sep |> Credit utilization has a relationship with credit rating . The only reason why is because previous data shows that too high credit utilization is a negative risk factor . When I was an university , I watched a presentation from one of the leading credit card company ' s risk departments . One of the things he mentioned was that they wanted good risk customers to use their credit , rather than the competitions obviously . In other words , the aim is not to have a customer hit against their credit limit , as that is not good for business or the customer . You might have noticed that when you use a credit card more consistently over months , your limit will be increased . That is not just a risk calculation . But , if your lender lets you ' ride ' your limit without increasing it , it is a sign they do not trust you . That signal is readily picked up in the credit reports .