that's very true huwezi toka nyumba ya matope na ujenge ya ghorofa na siku Kenya should see improvement not comparing with America...big up the jubilee qoverment
my brothers and sisters reality is something you can never evade, we all know that Hon Uhuru is the incumbent President of this Republic and I respect him alot, however we all must accept that there's a cancer of corruption slowly but steadily eating the nation and we MUST all fight it without favoring any tribe or person.Kenya long live
you cant fight corruption in this country. Secondly,it is not the luos responsibility be the face of opposition or fighting ills in kenya. that is a heavy thankless burden. Luos r extremely poor while their political elite r stinking rich.If other people r comfortable with corruption so be it. Luos should quit politics and focus on development in Nyanza so that we become producers.
KENYANS ARE OUTRAGED AT THE LEVEL OF LOOTING GOING ON WHILE CANCER PATIENTS ARE DYING AND POOR MOTHERS CANNOT HAVE MATERNAL INTERVENTIONS......ALSO WE HAVE SO MANY YOUTHS WHO ARE JOBLESS YET BILLIONS HAVE BEEN LOOTED BY MT KENYA THIEVES FROM NYS
Tuko pamoja hadi mwisho wa reli prezo Happy retirement 2022 bado urakuwa baru na kazi haitasimama. Kuna mengi yakufanywa, 1 step at a time.. Endelea na kazi njema ya kuwaunganisha wakenya na waAfrica kwa jumla.
WISHFUL THINKING....THE BLOOD OF KENYANS IS BOILING ,,,,THEY CANNOT WAIT TO KICK THEM OUT IN A FEW MONTHS TIME.....WE SAW WHAT HAPPENED IN KISII, TURKANA AND KAJIADO
"Tuko Pamoja", no matter what these media houses and Cord battalion rumor all day and night. Game ya Raila we know it too well and next year they will be shocked as always.
HAHAHA PREZO U MADE MY AFTEE. SITTING HERE @ THE BEER GARDEN Germany having my bitburger beer 🍻 listening 👂 to the Commander in Chief of the armed forces of kenya. Hahahaha pple are thinking I've gone mad. Prezzo am jst laughing 😂 like u the. Long live C.I.C!!!
it seams you know more about that group you are saying kueni mnaongea chenye mnajua jameni hiyo mambo ya mungiki cyo ya PREZOO keep quiet brother okey......
Samahani sana Bwana mheshimiwa, sisi kwetu hakuna stima na tuna ng`ang`ana kimaisha. Tutafurahia sana ukifika kwetu ili utusaidie na sisi. Ubarikiwe sana
Well.I think this is demeaning Presidency in the first place. I have never seen a President who fears a single man and senses threat in his threat of power.Many Kenyans even those not from the opposition are so angry with the growing ,green and sprouting tree of corruption in the current regime.Kenyans who went to Freedom corner yesterday were not from the opposition-they are ordinary,concerned citizens who voted for you but now are not happy with your leadership.Raila and the opposition are doing their work as it is even spelt out in the constitution.Uhuru is agonized by the naked truth that Raila unearthed the NYS,EURO BOND scandals and there is clean evidence that tax payers money has been stolen.Instead of looking for a way out-he is sitted on the trap and continuing to insult the trap(Raila).What then?you just show Kenyans that you are helpless.Todays convention at the BOMAS was about JUBILEE PARTY..now you make Raila and the opposition gather more fame and popularity among Kenyans
jared odiwuor do you have evidence or your are depending on the hearsays from that luo witch who is an expert in devising propaganda to suit his evil agendas?
By Duncan Miriri | NAIROBI Kenya is losing a third of its state budget - the equivalent of about $6 billion - to corruption every year, the country's new anti-graft chief told Reuters, saying his agency was badly short of staff and modern equipment to tackle the problem. Philip Kinisu, a retired auditor, said in an interview that he wanted to build on Kenyans' discontent with corruption but the real drive to stamp it out had to come from public pressure for change. While the finance minister disputed Kinisu's estimate of the losses, blaming instead poor paperwork, President Uhuru Kenyatta has acknowledged corruption has reached levels that threaten national security. ksh 600 BILLION LOST ANNUALLY TIMES 4 EQUALS 2.4 TRILLION SINCE 2013
Raila used the 2005 referendum.insecurity among other failures to bring Kibaki down in 2007....If Uhuru is not careful,Raila is going to win next year's election because of his"nifanye nini" inability to tackle the the scourge.So,we understand why he is a frustrated and bitter man..but that is not HOW A PRESIDENT is supposed to behave.this is too petty.
If a whole president can call CORD leader Raila mganga, then that one shows how Kenya is in danger. Having a disrespectful president who demands respect from Kenyans yet he can't even respect "drunk himself". But when we call them drunkards and murderers we are ordered to record statements. I think Kenyans are ready to record as many statements as possible if this madness won't stop. Jubilee MUST fall by all means. #SystemYaMajambazi
It amazes Kenyans every time Uhuru Kenyatta opens his mouth. Let me just ask a simple question, 'between Uhuru and Raila, who's really backward? Your guess is as good as mine. Over to you fellow citizens.
let us not argue over things that are black and white uhuru father was president of kenya and now who is our president uhuru and raila father was in oppostion who is reader of opposition ni raile the case closed raila will never rule kenya or any one following raila family .
Jubilee may have done some work but parallel to that work has been unprecedented corruption levels. He is emphasizing the good but there has been ills which should not be ignored.
am glad Uhuru came out firing ,this energy transcended my imagination politically,but He must start the succession narrative that Ruto is our next president.He has been royal and should be given a pat on the back.
Just because you have done some projects does not mean you should expect us to applaud you when we know what we deserve. Raila is not a threat to you why give him attention? preach lies...keep saying you dont know what to do. one day Kenyans will be tired maybe not today. but when their kids starve your words wont feed them no more. even the French got tired of bread......
well said, but you must do something about the corrupt. anybody with corruption allegations should not hold any office. especially if their names keep coming up . all cs whose dept are corrupt should not heed them wether involved or not
sai ndio mumejua kuongea kuhusu sera mungefanya mapema huo mkataba politcs zisingefka apo kugombana kila wakati mbele ya wananchi you still needs mr Pombe magufuli awamshe
respect my foot! respect is a two way traffic i cant respect someone who does not even respect himself, and for your information he pays no fee for, he feeds me not, am well off without him but he should looting from Kenyans and abusing other leaders who tries to correct him, kwani ye ndo amewahi kuwa kiongozi, damn!!!!
I imagine they sat down to discuss strategy after the latest bursting at the seams of the corruption concealment locker. And they must have reasoned that to admit the ripoffs were real would be disastrous. Turn the heat instead on Raila. That will resonate with our tribesmen. Shove it all back at the Njaruo! Because we can no longer pretend the thievery is going on unbeknownst to the duo. Oh no! They are privy. They were from the start. Kalasinga wouldn't be the man he is otherwise.
its sad seen Kenyans cheering for been given services that are your rights anyway, dont get me wrong we do expect people to do what they are elected to do,and when that is done appreciation is in order. but we have been singing roads and hospitals and striking workers for waay to long.
Surely is this an NGC meeting or a political rally to dis campaign RAILA? wot the Prezo has just done today is very childish of him! he is the Country President and he should be for cast on national matters and not personal attacks. Thefts are there and he is well aware despite his defensiveness.He is adding Raila political millage!
Very ignorant of you big fool.This is a Jubilee internal party NGC so whats wrong with party politics and disproving odinga's lies and propaganda? You guys are too thick.
mganga hawezi ona hayo prezzo big up
BORROWING MONEY FROM FOREIGN DONORS THEN SPENDING ONLY 20% ON INFRASTRUCTURE WHILE STEALING 80% IS NOT RIGHT
he is from south america,,,,
I thought it is Mungiki that drink human blood
S500 Triumph i bet he is a wild man in a PUB LATE AT NIGHT,
that's very true huwezi toka nyumba ya matope na ujenge ya ghorofa na siku Kenya should see improvement not comparing with America...big up the jubilee qoverment
well said Sir. huyu mchawi amepatikana.
haters will never see any good thing that jubilee gov has done. Do your thing my prezzo let them talk gas.
STEALING OF TAX MONEY WILL NOT BE TOLERATED,,,,,HE CAN SAY ANYTHING BUT THAT WILL NOT CHANGE THE FACT THAT THIS GOVERNMENT HAS LOOTED FROM KENYANS
THE CURRENT REGIME IS THE MOST TRIBAL AND CORRUPT EVER
CHOO YA 1.6 BILLION.....THAT MUST BE SUCH A WONDERFUL TOILET BUILT BY TAX MONEY.....CHOO YA GOLD YA WAIGURU
Can you proove that
edward mburu Raila is cursed the more he digs grave for jubilee the more he suffers with cordiot
my brothers and sisters reality is something you can never evade, we all know that Hon Uhuru is the incumbent President of this Republic and I respect him alot, however we all must accept that there's a cancer of corruption slowly but steadily eating the nation and we MUST all fight it without favoring any tribe or person.Kenya long live
you cant fight corruption in this country. Secondly,it is not the luos responsibility be the face of opposition or fighting ills in kenya. that is a heavy thankless burden. Luos r extremely poor while their political elite r stinking rich.If other people r comfortable with corruption so be it. Luos should quit politics and focus on development in Nyanza so that we become producers.
My jubilee party kamoja kwa sana love yu prezoo yur words👌👌👌👌👌
jared odiwuor haha I have not told yu to answer me gel oul of here ujaluo itakuua
God bless yu alot
This guy ametusi kila mtu. Unafaidikaje Jared oduong???
KENYANS ARE OUTRAGED AT THE LEVEL OF LOOTING GOING ON WHILE CANCER PATIENTS ARE DYING AND POOR MOTHERS CANNOT HAVE MATERNAL INTERVENTIONS......ALSO WE HAVE SO MANY YOUTHS WHO ARE JOBLESS YET BILLIONS HAVE BEEN LOOTED BY MT KENYA THIEVES FROM NYS
Ndio wanauana mbure kisumu juu ya ujinga I wsh mnakatwa hizo makagaree zenu u could be a bit mature
ur among the best President in the world, u speak development, u act development,u r our choice come2017, bravo mr President
May God bless you and give you more wisdom my President !!!
ma prezo mtu wa watu love u sana big up.. 2017pamoja tena kwa sana
😂😂😂the president Uhuru makes Lord of Poverty looks like a mad man
Tuko pamoja hadi mwisho wa reli prezo
Happy retirement 2022 bado urakuwa baru na kazi haitasimama. Kuna mengi yakufanywa, 1 step at a time..
Endelea na kazi njema ya kuwaunganisha wakenya na waAfrica kwa jumla.
WISHFUL THINKING....THE BLOOD OF KENYANS IS BOILING ,,,,THEY CANNOT WAIT TO KICK THEM OUT IN A FEW MONTHS TIME.....WE SAW WHAT HAPPENED IN KISII, TURKANA AND KAJIADO
Mr President and Mr dp we are with you all the time..
EVEN AS THEY LOOT THIS COUNTRY DRY
SPEAK PRESIDENT UHURU SPEAK! TAKE US FORWARD! LONG LIVE UHURU!!!!
HE SHOULD ADDRESS WANTON THEFT IN HIS GOVT ALSO WHILE SPEAKING
Mwenye macho haambiwi tazama Uhuru u have done a lot you deserve my vote 2017 thanks may God bless you
"Tuko Pamoja", no matter what these media houses and Cord battalion rumor all day and night. Game ya Raila we know it too well and next year they will be shocked as always.
WE CAN ONLY BE SHOCKED THROUGH RIGGING AND THAT WILL NOT BE ACCEPTED
HAHAHA PREZO U MADE MY AFTEE. SITTING HERE @ THE BEER GARDEN Germany having my bitburger beer 🍻 listening 👂 to the Commander in Chief of the armed forces of kenya.
Hahahaha pple are thinking I've gone mad. Prezzo am jst laughing 😂 like u the. Long live C.I.C!!!
Uhuru is quite the Lord of development and progress.Kudos Mr President its been a splendid performance.
He is the lord of poverty....his relatives just looted from poor mothers and cancer patients
Yeah, Mr. Prezzo. Uyo msee anapenda vurugu sana.
God be with u mr prezzo
JUBILEE GOVT IS THE MOST TRIBAL EVER,,,,,,IT HAS ALSO PERFECTED STEALING OF PUBLIC FUNDS.....WAS NYS THEFT REAL OF FALSE?
God bless you prezzo
leo ni leo. mganga kwisha
abaas m...Mungiki je??
it seams you know more about that group you are saying
kueni mnaongea chenye mnajua jameni
hiyo mambo ya mungiki cyo ya PREZOO keep quiet brother okey......
+VIDIET JAMAL welsaid acha waongee wengine at prezo n mwiZi amewaiba nn naataa kushiba hawajashibaa tubo waimbiwe mavii
Uhuru is like an empty vessel without Ruto
Good work Prezo .God bless u and ur government.
god does not bless criminals
If you faint in the day of adversity, thy strength is small. Proverbs 24:10
Samahani sana Bwana mheshimiwa, sisi kwetu hakuna stima na tuna ng`ang`ana kimaisha. Tutafurahia sana ukifika kwetu ili utusaidie na sisi. Ubarikiwe sana
Well.I think this is demeaning Presidency in the first place. I have never seen a President who fears a single man and senses threat in his threat of power.Many Kenyans even those not from the opposition are so angry with the growing ,green and sprouting tree of corruption in the current regime.Kenyans who went to Freedom corner yesterday were not from the opposition-they are ordinary,concerned citizens who voted for you but now are not happy with your leadership.Raila and the opposition are doing their work as it is even spelt out in the constitution.Uhuru is agonized by the naked truth that Raila unearthed the NYS,EURO BOND scandals and there is clean evidence that tax payers money has been stolen.Instead of looking for a way out-he is sitted on the trap and continuing to insult the trap(Raila).What then?you just show Kenyans that you are helpless.Todays convention at the BOMAS was about JUBILEE PARTY..now you make Raila and the opposition gather more fame and popularity among Kenyans
Kali sana
He has kept quiet for too long. He has let raila shit on him for a long time. Let him talk!!
Jubilee is the most performing government in the history of this nation....
JUBILEE HAS LOOTED OVER 2 TRILLION DOLLARS SINCE 2013.....EVEN USA AND WORLD BANK IS ALARMED BY THE LEVEL OF THEFT PRESIDED OVER BY UHURU AND RUTO
jared odiwuor do you have evidence or your are depending on the hearsays from that luo witch who is an expert in devising propaganda to suit his evil agendas?
By Duncan Miriri | NAIROBI
Kenya is losing a third of its state budget - the equivalent of about $6 billion - to corruption every year, the country's new anti-graft chief told Reuters, saying his agency was badly short of staff and modern equipment to tackle the problem.
Philip Kinisu, a retired auditor, said in an interview that he wanted to build on Kenyans' discontent with corruption but the real drive to stamp it out had to come from public pressure for change.
While the finance minister disputed Kinisu's estimate of the losses, blaming instead poor paperwork, President Uhuru Kenyatta has acknowledged corruption has reached levels that threaten national security.
ksh 600 BILLION LOST ANNUALLY TIMES 4 EQUALS 2.4 TRILLION SINCE 2013
Mganga alianza kampeini kitambo , ameenda ulaya safari mbili kushukuwa pesa, sasa sijuui waende wapi? Jubilee ndiyo hayo wameanza, Mganga kwisha😨!
Raila used the 2005 referendum.insecurity among other failures to bring Kibaki down in 2007....If Uhuru is not careful,Raila is going to win next year's election because of his"nifanye nini" inability to tackle the the scourge.So,we understand why he is a frustrated and bitter man..but that is not HOW A PRESIDENT is supposed to behave.this is too petty.
God bless you Prezzo
GOD WILL BLESS ALL PEOPLE BUT IS NOT HAPPY WITH CORRUPTION AND STEALING....HE CAN SEVERELY PUNISH THIEVES AND MURDERERS
+S500 Triumph what have he stole from u ....one step at a time mengi atayafaya
That's my president....We know raila too well....
stealing must be exposed...Kabura confessed that she handled 1.6 billion without delivering anything to NYS
+S500 Triumph zako zilikua ngapii ua here just replying comment styles up
+S500 Triumph the biggest idiot useless
Waiguru used my tax money to pay condom dispenser and sex toys therefore I am very bitter....how could she use by money to buy vibrators ????
If a whole president can call CORD leader Raila mganga, then that one
shows how Kenya is in danger. Having a disrespectful president who
demands respect from Kenyans yet he can't even respect "drunk himself".
But when we call them drunkards and murderers we are ordered to record
statements. I think Kenyans are ready to record as many statements as
possible if this madness won't stop. Jubilee MUST fall by all means.
#SystemYaMajambazi
End corruption and your government will be the best otherwise these scandals are gonna ruin the legacy
Justus Goodluck very true, Corruption is draining the country.
You have to live president Uhuru
Uhuru juu, God be with you n protect you. ..hope is in u
Hii ni kali prezo, hahaha kubomoana leo
This is supposed to be a jubilee Party Meeting....The agenda is Raila....Hehehe...Raila even sets the agenda of their meeting...
It amazes Kenyans every time Uhuru Kenyatta opens his mouth. Let me just ask a simple question, 'between Uhuru and Raila, who's really backward? Your guess is as good as mine. Over to you fellow citizens.
Tukoo.pamoja..stima..mpaka.msambwenii.zikoo..kikoneni..zikoo.stima
Yes Mr President!!
SOMEONE IS SHOUTING LIKE A VEGETABLE SELLER IN GIKOMBA
uhunye yoh all the way up..!!
let us not argue over things that are black and white uhuru father was president of kenya and now who is our president uhuru and raila father was in oppostion who is reader of opposition ni raile the case closed raila will never rule kenya or any one following raila family .
ooko stephen...ithnk yu should be boarding the next flight coz this govnt is hea to stay.
Jubilee may have done some work but parallel to that work has been unprecedented corruption levels. He is emphasizing the good but there has been ills which should not be ignored.
I think this should be called ANT- RAILA NGC NOT JUBILEE , we are wainting for JUBILEE NGC.
hapo kwa stima,angaria murang'a country vizuri sanasana kangema area stima still 35k
am glad Uhuru came out firing ,this energy transcended my imagination politically,but He must start the succession narrative that Ruto is our next president.He has been royal and should be given a pat on the back.
All Kenyans will decide who leads them. Mt Kenya people only do not make that decision.....Thieves and murderers will be shown red card by Kenyans
We can't agree because every person opinion is valid
jared odiwuor ur very active😅😅 are yu a regestard voter
YES I HAVE A VOTE
S500 we have individually the right to decide who leads Kenya
big up prezzo
I just can't seem to look past the money stolen
big up jubilee .
Hanaaàa..yuwasemaaa..kumekuchaaaaa..kitandawiliii.basiii..yamekwishaaa
Just because you have done some projects does not mean you should expect us to applaud you when we know what we deserve. Raila is not a threat to you why give him attention?
preach lies...keep saying you dont know what to do.
one day Kenyans will be tired maybe not today. but when their kids starve your words wont feed them no more. even the French got tired of bread......
That my prezo nice job
Mrembo wa Uhuru
waaaaa👏👏👏our.ulezo.....toboa.yote....
HE SHOULD EXPLAIN HOW HIS FAMILY IS LOOTING TAXPAYERS MONEY
he is on drugs , how can he,
he should tell us what he knows about money stolen in the ministry of health
+S500 Triumph Kula yako haitafaya asirudu kua prezzzo alllah go on repling comment kwa kuonyesha ujinga kweye umefikisha .....kimojaa przoo
akieza...nugu yeye.....kwani nimjaluo
well said, but you must do something about the corrupt. anybody with corruption allegations should not hold any office. especially if their names keep coming up . all cs whose dept are corrupt should not heed them wether involved or not
The gloves are off!!!!
munaongelea tu raila mbona musiongelee euro bond afya house nys etc
prezo Leo n Leo Nathan amesikia
desperation ....these people have sensed defeat.. attacking Rails only makes him bigger.. pack n go in 2017
Big up unye i love my president😅
😂😂😂😂😂 my prezo waz high
Let's wait till 2017 and see what will happen. ..GOD for us all n man for himself. ....
IT WILL BE 40 AGAINST 2
WITHOUT RIGGING JUBILEE IS IN SHIT
kura tunapeleka home....
yeah na yeye mungu wenu pia you can take home
sai ndio mumejua kuongea kuhusu sera mungefanya mapema huo mkataba politcs zisingefka apo kugombana kila wakati mbele ya wananchi you still needs mr Pombe magufuli awamshe
Backwardness n pettiness. hahahhaha... uhuru kudos
stealing from cancer patients is serious business
if this is the kind of president we have in this country, am out of kenya a big shame. this is a big disgrace
Ooko Stephen ujaluo utakua siuhame wacha ujinga heshima prezo sai ndio ako ngoja wakati wa lao tumone.
respect my foot! respect is a two way traffic i cant respect someone who does not even respect himself, and for your information he pays no fee for, he feeds me not, am well off without him but he should looting from Kenyans and abusing other leaders who tries to correct him, kwani ye ndo amewahi kuwa kiongozi, damn!!!!
Go back to your lord of poverty.
Petro Jenkins..high pLiest of coLLuption je??? jst asking
Ooko Stephen bye😂😂
Losing the point of leadership!
he didnt even make a single latrine in kibera as a prime minister
Gloves are off!!!!
HE IS STARTING A BATTLE HE WILL NOT WIN
Kelvin Maina
so it was an NGC with President's speech all about Raila,i wonder what Uhuru would have said if there wasn't Raila in Kenya
panic mode on
we are no longer need you anymore! rest
Leo prezzo ameonja kitu ama nini?
machax002 😂😂😂😂
stima iko central pekeake...kumbuka opposition hawako kwa gava so hawana pesa za kuiba...
stupid! wats that u saying?
abaas m u are the one
stima iko central pekee... nkt!nko mombasa na stima wametuekea
stallone sylvester kuja kwetu nikuonyesha pahali stima imewekwa....
obvious wewe ni kibet ..kama iko kuenu ni sawa...but sisi hatuna kabisa
that was great.
kuja twende kwetu unioneshe hiyo stima unasema....
heehehhehehe... i ve never seen a president who stoops this low
mafeelings kweli kweli
utashindilia stima
my god!!
Agenda-Raila
if kabura and his company will be jailed take it to the bank ,if found guilty so ngonja tu .
I imagine they sat down to discuss strategy after the latest bursting at the seams of the corruption concealment locker.
And they must have reasoned that to admit the ripoffs were real would be disastrous. Turn the heat instead on Raila. That will resonate with our tribesmen. Shove it all back at the Njaruo!
Because we can no longer pretend the thievery is going on unbeknownst to the duo. Oh no! They are privy. They were from the start. Kalasinga wouldn't be the man he is otherwise.
its sad seen Kenyans cheering for been given services that are your rights anyway, dont get me wrong we do expect people to do what they are elected to do,and when that is done appreciation is in order. but we have been singing roads and hospitals and striking workers for waay to long.
Surely is this an NGC meeting or a political rally to dis campaign RAILA? wot the Prezo has just done today is very childish of him! he is the Country President and he should be for cast on national matters and not personal attacks. Thefts are there and he is well aware despite his defensiveness.He is adding Raila political millage!
Very ignorant of you big fool.This is a Jubilee internal party NGC so whats wrong with party politics and disproving odinga's lies and propaganda? You guys are too thick.
point of correction;leader of opposition NOT reader of opposition, do you want to corrupt everything now?
mganga ni bure kabisa, kufia mbali kabisa
I WROTE A SONG ABOUT PRESIDENT.....I WISH SOMEONE CAN HELP ME HOW THIS SONG CAN RICH MR PRESIDENT..............THIS IS MY BIG DREAM..............
tko pamoja prezo
MUKO PAMOJA KWENYE KUIBA PESA ZA WANAINCHI
+S500 Triumph style up umeimbwa ngapi
S500 Triumph kiherehere acha hio mtakula kwa macho msenge wewe
pauline njeri huyo ni mdomo ako nayo tu
+L Wambui nikinuguu Na Mm nimekifutaa kura yake moja haitafaya uhuru asirudi prezoo
LORD OF CORRUPTION AND LORD OF POVERTY= WILLIAM LOOTO ALAP MASHAMBA AND HIS BUDDY UK
kenya was thrown in to the Dogs in 2013
nw dayz mganga tumemchua
ooko ste
prezo apo jonjo tuko pamoja 2017
Waiting for 2017 wewe sema tu yako.
it was all about RAILA?
Ni mengi.. .. Eurobond?? ?
i don't see what this man has done bloody lair, alafu ajue bhangi mingi si poa
Ooko Stephen waja ujinga
Raymond Kibet bangi?????
umemuuzia marangapi style up mzee
corrupt deals
Eurobond je?
lord of poverty thrives on propagada n poverty
in100 %disagrewith u in Muranga tunnell let give rails his credit