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In: Rey-Salmon, C., Adamsbaum, C

The correlation between CPD and cotinine increased with high SES, indicating a higher precision of self-reports

Or many of the people around them really knew what they were doing

The 1991 vin law banned cigarette advertising and banned smoking in public places, and in 2017 France brought in the plain pack, as only the second country to do so after Australia

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Its possible that CDFIs might attract a customer base who tend to have stronger non-income-related mortgage qualifications than traditional banking customers, for whatever reason, but as individuals they would be equally likely to be approved at a CDFI as at a non-CDFI