Relativity? A light year is a measurement of distance, not time. A ship traveling at.95C would only take 4 months to travel 1 light year from the perspective of the crew. To outside observers it would take a over a year.
Not too be too pedantic but this is the full, accurate quote from Prejudices: Second Series, “Explanations exist; they have existed for all time; there is always a well-known solution to every human problem—neat, plausible, and wrong.”
The current loan gets rolled into the next loan and becomes a revolving door of credit. As long as you don’t spend faster than the assets appreciate you’ll always end up ahead.
Age discrimination in the US only applies if you’re discriminating against them for being over 40. This doesn’t apply here since they’re being rejected for their birthday and not their age.