Not exactly; most of the people in Asian part of Russia are slavs too. That's because asian part didn't have any considerable native population before it was settled by russians and ukrainians in 18-19 centuries, and soviet times added even more of the same. There are quite a few minorities in Asian part, but they are minor. Compare with e.g. russian caucasus which consists mainly of non-slavs.
Do you seriously assume that 13 sep would somehow fall on Saturday more often than on other weekdays?
There's still credit history and earnings history. Besides, noone said that consumer spendings should be credit-based.
The russian one would probably have Engineer's degree instead; That's 37% more time spent educating, not that I can guarantee it to yield.
Artists aren't going to get any of those money anyway. Why? It's not on their contracts.
Plus one for octave. It's an anal pity they didn't list it as a choice. perl? emacs?? Nonsense!