not losing your house because an unexpected trip to the hospital bankrupted and now you're hooked on heroin and living in a van (if you're lucky) down by the park because it takes 5 years to earn enough money for the security deposit on an apartment, that you're still not going to get because the missed payments on the $98,000 dollars you owe the hospital(which they sold to a collection agency at an 80% discount) means you're not going to pass the credit check.
Remember Affect Verb Effect Noun. ... Most of the time, you'll want affect as a verb meaning to influence something and effect for the something that was influenced. The difference between affect and effect is so slippery that people have started using "impact" as a verb instead.
