tl;dr: During account recovery, iCloud might ask you for the details of a credit card you’ve been using with the account. But it doesn’t just check whether the data matches their records — it tries to actually run the card. And if the live check is rejected by your payment processor for some reason then it doesn’t matter that you got all the card’s details right.
In Poland, drinking in public space (with some exceptions) is forbidden. Sometimes police will issue fines even for “intention to drink” if they see a person with an unopened bottle of beer.
> Clearly you haven't had much interaction with German PhDs. It's very common to include titles in your name (this also includes lower ones) there. Although it admittedly has become less common.
Expat living in Germany here. You’re absolutely correct according to my experience. In fact, I’ve seen people with PhD put “Dr.” on the mailbox in front of their home.
> Another way to look at it is that people who other people want to work with get high ratings. Is that bad? From a company culture standpoint, I'm not sure it is.
Depending on who is it that people do and don’t want to work with, we might call it “discrimination against a protected class”, which is at least bad enough that it’s illegal in many countries.
This. In addition, in some countries like Germany, having your name connected to a bankruptcy will ruin your credit score, making it difficult to e.g. rent an apartment.