So yes, even credit rating agencies are only allowed to process data the person in question has allowed. Most contracts which are related to credits like mobile phone planes or opening a banking account thus contain wordings regarding the cooperation with credit rating agencies.
Btw. lizard is no cladistic category. Lizard is a habitus that often appears in certain groups of amniotes. But the lizards within the amniotes are not closely related to each other, or at least not more closely than to other amniotes. The lizardlike crocodiles are more closely related to birds (both are archosauria) than for instance to the Komodo dragon, though they look very similar. The Komodo dragon instead is more closely related to snakes and to the ancient marine mosasaurs than for instance the wall lizards.
In former times, it was for instance the Porsche 914 and the VW-Porsche 914/4.
Compare for instance the prices for platinum and gold, two precious metals with very similar properties: Same frequency of occurrence in the Earth crust, same properties (density between 19-20 g per cubic centimeter, does not oxydate easily, can be cast and cold formed), same usages (mainly jewelry, some industrial usage, some coined or cast into bars to be stored as assets). Their prices have been so volatile recently, that platinum was about twice the price of gold, and vice versa within just a decade. Compared with that, the dollar/euro exchange rate is an example of long time stability.
Whites became powerful because they valued personal and economic freedom among their own people and others.
This is plainout wrong, Whites became powerful when they still had Serfdom. And while England in fact abolished real Serfdom during the reign of Elizabeth I, it replaced it by the Copyhold tenancy, which only get abolished in 1925(!). Russia conquered most of Northern Asia in the 16th and 17th century, but abolished Serfdom in 1861. Nothing with personal and economic freedom among their own people.
Where do you live?
Industrial fossil burning started in Europe around 1710, when Thomas Newcomen built his first steam engines (while Thomas Savery had it patented in 1698 already, Newcomen's construction was of practical usability and was widely used).
In the mid-19th century, Western and Central Europe was fully industrialized, and coal was the main energy source. The retreat of the glaciers was noticeable around 1900, and has accelerated since then.
Climate change to ever rising temperatures at least for Central Europe is thus well documented for centuries.
"Can you program?" "Well, I'm literate, if that's what you mean!"