Ключевые слова: accident, application, application form, bank, bank manager, benefits, borrowing, business, buying, claim form, colour, concepts and ideas, consumerism, contract, credit, debt, decline, displeased, document, employment issues, failure, finance, form, government, holding, horizontal, legal document, legal system, loan, mortgage, no, paperwork, pen, physical injury, pleading, pointing, red, rejected, rejection, rubber stamp, social security, working,