. "2010-11-30T00:00:00Z"^^ . "2010-11-30T00:00:00Z"^^ . "A strategy employed by manufacturers and retailers to promote good credit among the creditworthy and deny\u00A0it to\u00A0delinquent borrowers. This will both increase sales and decrease bad debts, thus improving\u00A0a company's cash flow."@en .