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Credit scoring systems are often used by lenders to determine applicants' creditworthiness.
Epilimnion
The epilimnion is the upper layer of water in a stratified lake, characterized by warmer temperatures and high levels of oxygen.
Hypolimnion
The colder, bottom layer of water in a stratified lake, lying below the warmer epilimnion.
Overturn
To upset or reverse a decision, situation, or setup, often dramatically.
Profundal Zone
A deep zone of a body of water where sunlight does not reach, typically found in lakes and often lacking in photosynthetic life.
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