Because you're playing semantics-Nazi just so you can be "right".I see now.... you are being patronizing. I'm done.
Major point: you're eating 1.5%
You: OMG, you meant credit, I know you meant credit, we all agree on your major point, but I'm the only one who can be correct because you used the wrong word in the part of the statement that wasn't even the point of the post.