have

A good credit rating can mean the difference between being a have or a have not.

To find out whether you are a have or a have not, did you understand the malo and Brett sentence a few lines back? If no, this doesn't make any difference to me, as you are the proud possessor of something the 'haves' haven't got. You know exactly what you like and why you like it. The 'haves' pretend to like and understand everything, which by the way is impossible. They deliberate over choosing a bottle in the shop for hours, ...