english: Now in the old consumer system, our reputation didn't matter so much, because our credit history was far more important that any kind of peer-to-peer review.
non_english: V starom spotrebiteľskom systéme naša reputácia neznamenala veľa, pretože naša história splácania úverov bola omnoho dôležitejšia, ako nejaké peet-to-peer hodnotenie.