Thanks y'all.
I was obviously being lazy and not doing my own research.
I'm not sure how much I should be concerned about it but I guess I need to figure it out. I've been a stay at home mom most of my life and I haven't worked very much. I'm trying to decide if the credits are important enough to make me consider a part time job.
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"If you have men who will exclude any of God’s creatures from the shelter of compassion and pity, you will have men who will deal likewise with their fellow men." — St. Francis of Assisi, 1181-1226