I ' ve been at my job for 5 years and I have 5 days of vacation . I finally get 10 days starting next year . This is actually better than many jobs in the US . My friend has been working at his job for 10 years and he has 0 days of sick leave or vacation . He literally told me that he ' s grateful to just have a job , he couldn ' t possibly ask his boss for a raise or for benefits because he ' s done so well by him for all these years . It ' s completely mental . <| sep |> I don ' t know a ton I would guess it ' s not virtualized , but I don ' t actually know . <| sep |> Google backdoor myfico and you ' ll find the right number . You essentially have to submit and they ' ll have someone look at it again but it ' ll be another HP . I ' ve had success with it so depends on what it ' s for and how you value HPs .