Credits at many universities and colleges are expressed as so many semester/quarter hours . In this case, however, I think it has something to do with hours on the job. It isn't really clear to me.
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CliveHi
Here's a minor comment.
Two women are gossiping in the restaurant. I don't see anything in this given dialogue that could reasonably be termed 'gossiping'. 'Gossip' usually invoves unimportant talk about personalities or social activities.