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Getting to a higher spiritual level is like increasing your credit score. You get a lot more points for sinning and repenting than if you have no credit history at all.

Lisa Kleypas (2015). “The Travis Family Series, Books 1-3: Blue-Eyed Devil, Smooth Taking Stranger and Sugar Daddy”, p.270, St. Martin's Press
Getting to a higher spiritual level is like increasing your credit score. You get a lot more points for sinning and repenting than if you have no credit history at all.