You and I have both taken time out of our days to write plausible sounding answers that are essentially opposing hallucinations.
Which families tend to win the lottery to go to these schools? The parents that can afford to. Even if the school is free, the transportation is often not. Plus the parents have to have enough free time to be aware of the lottery for their 3 year old.
They made the horizontal cuts evenly spaced between the cutting surface and the top of the onion, which is nonsensical to me. I believe that a single horizontal cut at around 15-20% height would be better for uniformity than a horizontal cut at 50% height.
The other thing is that this seems to ignore that the onion is round in the other direction too. As far as I can see, it only covers the first dice cut.
The reason is that your credit score is impacted by both your available credit (higher is better) and credit utilization (lower is better). When you pay of the last of a home loan and close that account, your available credit goes down and your credit utilization goes up (assuming you had any other debt). Both of those hurt you. When you pay the credit card down to $0 and leave it open, your available crediot stays the same and your utilization goes down.