| A | B |
|---|
| Your employment history | Character |
| Your current salary | Capacity |
| The amount of debt you have | Capacity |
| The amouof money you have in savings | Capital |
| Your credit record (how you pay your bills) | Character |
| Your checking account balance | Capacity |
| Your ability to pay your bills on time | Capacity |
| The value of your home (equity) | Capital |
| Your reputation for honesty | Character |
| The value of other assets you own | Capital |
| Your school attendance record | Character |
| How much you owe on your house | Capacity |
| How many farms you own | Capital |
| How long you have had your current job | Character |
