All of these are ways to become a low risk borrower except?

1.  go out into nature and commune with the divine2.  experience real solitude to truly perceive nature3.  realize that individuals are meant to learn from nature and transcend it4.  think of nature as a symbol of the divine

Currently, as of february 2016, an american traveling in france would be by the exchange rate. the weakness of the euro and the strength of the us dollar means that items in france cost less to an american than they otherwise would. of course, if this trend reverses and the us dollar weakens and the euro strengthens, such as was happening in early 2008, an american traveling in france would have an adverse experience because items would cost relatively more.

Who it was like back then