14 Items: GIFTS • AWARD • IKUIKU • POTTERY • FLOWERS • ILOVEYOU • EXCHANGE • ROMANTIC • JOOCHIAT • CHOCOLATE • BOREDTACOS • LOVELETTER • HUEYOURDAYS • MYVALENTINE

14 Items: Love • Gift • Xoxo • Roses • Candy • Cupid • Hearts • Bemine • Flowers • Together • Chocolate • TeddyBear • Sweetheart • Fourteenth

15 Items: My • Mom • You • You • Are • Ask • For • ILove • Never • SoMuch • Mother • ICould • ABetter • Favorite • MomThanYou

14 Items: Love • Honor • Family • Heroism • Respect • Service • Heritage • Memorial • Patriots • Remember • Soldiers • Americans • Sacrifice • Commemorate

12 Items: luck • beef • windy • green • spring • rainbow • of gold • cabbage • of March • shamrock • leprechaun • Patrick’s Day

14 Items: flag • Russia • country • Tallinn • limestone • Baltic-Sea • Old-Thomas • weathervane • Tall-Hermann • Toompea-Hill • song-festival • Baltic-herring • Independence-Day • blue-black-white

30 Items: coy • day • pay • buzz • fuzz • jazz • doll • ball • tell • crow • draw • sail • stay • drop • tray • tail • play • vain • pizza • drill • crawl • crust • noise • stuff • stain • train • claim • spray • puzzle • yellow

30 Items: pan • day • era • gray • zing • mojo • wood • jones • claus • night • braly • urban • sense • bussin • herron • keytar • sunset • crumbs • boujee • wiggins • florida • tunisia • doxology • freebird • drumline • groundem • moonriver • montgomery • incantation • marchingpride

30 Items: day • you • than • dean • bush • laugh • wages • sales • grant • brian • sites • better • effort • public • report • client • trucks • present • deliver • weather • manager • strategy • interest • handyman • auckland • register • afternoon • marketing • paperwork • supporters

30 Items: Day • Hero • Duty • Flag • Lest • Peace • Poppy • Honour • Sailor • Airman • Marine • Forget • Service • Courage • Freedom • Soldier • Retired • Bravery • Loyalty • Country • Respect • Veterans • Military • Memorial • November • Sacrifice • Gratitude • Patriotism • Remembrance • Commemoration

30 Items: day • rain • mail • play • stay • clay • tray • tree • feet • read • leaf • team • boat • goat • road • snow • grow • blow • slow • train • paint • snail • green • sleep • beach • clean • toast • float • cheese • window

30 Items: Day • Joy • Lord • Fire • King • Zion • Obey • Sing • Fear • Judah • Wrath • Pride • Shame • Humble • Purify • Refuge • Mighty • Nations • Remnant • Justice • Worship • Rejoice • Restore • Judgment • Prophets • Zephaniah • Jerusalem • Righteous • Salvation • Desolation

29 Items: DAY • SPY • JUNE • TESS • JOHN • TESS • EDEN • CURE • SCAR • CHIAN • KAEDE • FIGHT • TRIAL • THOMAS • PLAGUE • METIAS • ORPHAN • WANTED • COUSIN • PENDANT • JAMESON • STREETS • FUNERAL • REPUBLIC • COLONIES • HOSPITAL • CRIMINAL • SUPPRESSANTS • FINGERPRINTS

30 Items: a • an • as • at • by • be • go • do • all • and • are • any • boy • but • can • day • did • for • get • eat • been • come • down • from • give • good • after • about • again • before

30 Items: I • to • he • me • we • be • of • do • my • no • go • the • was • she • you • for • are • out • all • put • day • her • what • have • time • they • about • could • would • there

21 Items: at • Day • lion • cloak • zebra • hippo • basket • tickle • bucket • praise • courage • holiday • crackers • Pilgrims • Plymouth • feasting • elephant • clockwise • Mayflower • cranberries • Man's best friend

31 Items: Day • Tilt • Axis • Night • Spins • Tides • Winds • Cancer • Orbits • Winter • Summer • Autumn • Spring • Arctic • Equator • Tropics • Seasons • Equator • Degrees • Latitude • Rotation • Currents • LeapYear • Longitude • Capricorn • NorthPole • SouthPole • Antarctic • Parallels • Revolution • PrimeMeridian

30 Items: be • he • we • by • my • so • go • no • me • see • too • she • day • way • may • say • why • lay • pay • sea • lie • eat • boy • now • how • cow • for • far • car • each

30 Items: See • Eye • Day • End • Know • Soon • More • Life • Fire • Time • Busy • Loss • Allah • Grave • Visit • World • Truth • Heart • Deeds • Count • Wealth • Forget • Return • Compete • Children • Question • Blessing • Remember • Distract • Certainty

18 Items: FDR • Axis • Italy • Japan • D-Day • Allies • Patton • Nimitz • America • Germany • Normandy • Ardennes • MacArthur • Eisenhower • Soviet-Union • Battle-of-Midway • Battle-of-Iwo-Jima • Battle-of-the-Bulge

18 Items: FDR • Axis • Italy • Japan • D-Day • Allies • Patton • Nimitz • America • Germany • Normandy • Ardennes • MacArthur • Eisenhower • Soviet-Union • Battle-of-Midway • Battle-of-Iwo-Jima • Battle-of-the-Bulge

18 Items: FDR • Axis • Italy • Japan • D-Day • Allies • Patton • Nimitz • America • Germany • Normandy • Ardennes • MacArthur • Eisenhower • Soviet-Union • Battle-of-Midway • Battle-of-Iwo-Jima • Battle-of-the-Bulge

20 Items: Coziness • Pool table • Indoor meals • Outdoor meals • Downtown Big Bear • Usual arrival day • We’d fall asleep to • Played to pass time • Dining room ice chest • Usual fun activity day • White, thick, luxurious • Tried to solve together • Your beautiful lake boat • Your beautiful vacation home • Usual bubbly to start the weekend • Overlooks the front and back yards • ...

50 Items: TAX • LOSS • MARX • DEBT • FIRM • TRADE • PRICE • LABOR • GOODS • SMITH • INPUT • ASSET • MACRO • MICRO • CYCLE • TRADE • QUOTA • MODEL • WEALTH • MARKET • DEMAND • PROFIT • INVEST • SCARCE • BUDGET • CREDIT • INCOME • OUTPUT • EQUITY • SECTOR • FISCAL • TARIFF • PUBLIC • CAPITAL • FINANCE • RICARDO • MALTHUS • KRUGMAN • PIKETTY • POVERTY • SUBSIDY • PRIVATE • FRIEDMAN • MONETARY • STIGLITZ • MONOPOLY • INFLATION • DEFLATION • RECESSION • EFFICIENCY

43 Items: GDP • CPI • LLC • ROI • PLAN • CHAIN • LABOR • BUDGET • EQUITY • PROFIT • RETAIL • TAKING • CAPITAL • REVENUE • BRANDING • INFLATION • MARKETING • FINANCING • STATEMENT • RECESSION • ECOMMERCE • FRANCHISE • VALUATION • LIABILITY • WHOLESALE • INNOVATION • PRODUCTION • INVESTMENT • NETWORKING • DEPRESSION • PARTNERSHIP • CORPORATION • PROSPERIETY • OUTSOURCING • SCALABILITY • ADVERTISING • ENTREPRENEUR • UNEMPLOYMENT • DEMOGRAPHICS • SHRINKFLATION • PROPRIETORSHIP • ...

14 Items: Ice • Lime • Salt • Peach • Mango • Berry • Shaken • Mexico • Tequila • Blended • Cocktail • Margaritas • Strawberry • Ontherocks

14 Items: hug • red • love • gift • pink • card • heart • candy • party • sweet • friend • flowers • valentine • chocolate

14 Items: red • hug • gift • card • kiss • heart • roses • cupid • dinner • flowers • romantic • balloons • february • chocolates

14 Items: Love • Date • Heart • Roses • Candy • Gifts • Cupid • Inlove • Cherish • Romantic • Chocolate • Sweetheart • Appreciation • Heartwarming

14 Items: Movie • Beach • gifts • Dinner • Pamper • Jewelry • Flowers • Romance • Proposal • Diamonds • Selflove • Adventure • Chocolate • Engagementring

14 Items: Gift • Kiss • Card • Heart • Roses • Cupid • Teddy • Arrow • Crush • Romance • Bouquet • Chocolate • Affection • Valentine

14 Items: date • kiss • heart • feeling • adorable • lovesick • romantic • devotion • lovebirds • chemistry • friendzone • sweetheart • affectionate • relationship

14 Items: Lit • Glow • Beam • Neon • Shine • Flash • Light • Bright • Dazzle • Sparkle • Radiate • Afterglow • Illuminate • Fluorescent

14 Items: JULY • MARCH • COLONY • PROTEST • JUSTICE • FOUNDING • CONGRESS • CEREMONY • EQUALITY • REVOLUTION • DECLARATION • FIRECRACKER • CONTINENTAL • PHILADELPHIA

14 Items: SUIT • LUNAR • APOLLO • ROCKET • SATURN • ENGINE • GALAXY • MISSION • HOUSTON • ARMSTRONG • TELESCOPE • FOOTPRINT • ASTRONAUT • SPACECRAFT

14 Items: NAVY • AXIS • BEACH • TROOPS • BATTLE • ALLIES • OCCUPY • GENERAL • VICTORY • SOLDIER • INVASION • STRATEGY • CASUALTIES • RESISTANCE

14 Items: den • shadow • burrow • winter • spring • season • sunrise • morning • weather • predict • February • forecast • groundhog • tradition

14 Items: Be • My • You • Will • Love • Hugs • Notes • Gifts • Hearts • Kisses • Caring • December • Valentine • Sweetheart

14 Items: Our first date • Where you work • A movie you love • My favorite color • Your future career • The city we met in • Your favorite color • Your favorite snack • When we started talking • A show we watched together • Amount of siblings we both have • Where we both went to high school • A game we frequently played together • Something you’re very knowledgeable on

14 Items: Our first date • Where you work • A movie you love • My favorite color • Your future career • The city we met in • Your favorite color • Your favorite snack • A show we watched together • When we both started talking • Amount of siblings we both have • Where we both went to high school • Something you're knowledgeable on • A game we frequently play together

14 Items: Jesus • Bibel • Spirit • Gospel • Prayer • Sonofgod • Covenants • Testimony • HolyGhost • JosephSmith • BookofMormon • daughterofgod • HeavenlyFather • Doctrineandcovenants

14 Items: toy • tag • doll • ball • kite • robot • teddy • swings • school • marbles • cartoon • lollipop • chocolate • playground

14 Items: mum • love • phone • nurse • sleepy • caring • mother • talkable • hongkong • christian • noncooker • mothersday • hardworker • canternese

14 Items: mum • love • phone • nurse • sleepy • caring • mother • talkable • hongkong • christian • noncooker • mothersday • hardworker • canternese

14 Items: mum • love • phone • nurse • sleepy • caring • mother • talkable • hongkong • christian • noncooker • mothersday • hardworker • canternese

14 Items: Gravy • Turkey • Parade • Stuffing • Football • Pilgrims • Potatoes • Wishbone • Casserole • PumpkinPie • Drumsticks • Cornucopia • Cranberries • CornOnTheCob

13 Items: snow • star • tree • gifts • lights • snowman • WiseMen • presents • Christmas • stockings • SantaClaus • the pull Santa sleigh • the day before Christmas

4 Items: Off • HECS • Twenty • Percent

7 Items: day • two • thob • story • dates • horses • desert

30 Items: sky • sea • sun • eve • day • land • moon • fish • adam • eden • tree • seed • soul • light • stars • birds • river • night • earth • plants • humans • waters • heaven • living • animals • serpent • sabbath • dominion • knowledge • firmament

30 Items: Day • Sky • Moon • Lamp • Feast • Crops • Music • Dance • Night • Rural • Bounty • Family • Golden • Grains • Harvest • Produce • Village • Rejoice • Festival • Lanterns • Folklore • mooncakes • Gathering • Tradition • Moonlight • Abundance • Community • Celestial • Illuminate • Celebration

30 Items: Did • Not • Men • Why • Day • Ran • Saw • Dawn • Tomb • Away • Find • Body • Lord • Seek • Dead • Rise • Stone • Jesus • Among • Third • Peter • Rolled • Living • Apparel • Dazzling • Remember • Marveled • Perplexed • Crucified • Frightened

30 Items: Sun • Day • Sky • June • Tilt • Axis • Glow • Light • Earth • Orbit • Shine • Sunset • Season • Warmth • Nature • Energy • Summer • Midday • Bright • Golden • Longest • Sunrise • Horizon • Flowers • Radiate • Solstice • Sunshine • Outdoors • Hemisphere • Celebration

30 Items: Day • Tomb • Eyes • Tell • Opens • Risen • Third • Lords • Minds • Great • Jesus • Christ • Hearts • Angels • Joyful • Emmaus • Messiah • Comical • witness • Announce • Troubled • Perplexed • Expounded • Heartburn • Ascension • Commission • Appearances • Discouraged • Resurrection • Understanding

30 Items: DAY • LORD • WORD • HOLY • WORK • GOLD • FEAR • GLORY • RUINS • HOUSE • HONOR • HAGGAI • JOSHUA • TEMPLE • REBUKE • SPIRIT • SHAKEN • SILVER • PROPHET • DROUGHT • REMNANT • UNCLEAN • DEFILED • NATIONS • PROMISE • BLESSING • COVENANT • OBEDIENCE • ZERUBBABEL • FOUNDATION

30 Items: car • sat • day • Dad • Mum • yes • put • wave • came • away • wind • blew • sand • said • blow • beach • asked • today • washed • chairs • towels • family • packed • looked • watched • perfect • laughed • surprised • sandcastle • everything

30 Items: Air • Sun • Day • Body • Eyes • Ears • Nose • Skin • Food • Moon • Rain • Wind • Heat • Soil • Rock • Tree • Plant • Water • Earth • Stars • Night • Cloud • Light • Sound • Senses • Tongue • Living • Animal • Weather • Nonliving

30 Items: a • an • as • at • by • be • go • do • all • and • are • any • boy • but • can • day • did • for • get • eat • been • come • down • from • give • good • after • about • again • before

30 Items: joy • day • job • rich • work • hard • home • happy • voice • stone • bored • houses • stones • masons • lovely • palace • prince • wooden • unhappy • nothing • passing • mountain • builders • dreaming • curtains • servants • customers • furniture • stonecutter • gravestones

30 Items: May • day • June • July • fall • hour • week • year • March • April • month • August • spring • summer • winter • Monday • Friday • Sunday • second • minute • January • October • Tuesday • February • November • December • Thursday • Saturday • September • Wednesday

30 Items: oh • cry • try • dry • may • day • her • crab • play • said • does • dish • shop • bath • that • then • feed • your • many • from • blend • clock • chick • going • being • doing • teeth • sheep • green • crunch

30 Items: day • hall • gray • olds • hamm • yang • patel • mckay • young • smith • nicol • cowan • abdul • balla • kealey • difebo • harman • hardie • vuksic • mellon • morgado • tavares • wassing • lambing • panicker • robinson • mitchell • thompson • sahiouni • mccullough

18 Items: FDR • Axis • Italy • Japan • D-Day • Allies • Patton • Nimitz • America • Germany • Normandy • Ardennes • MacArthur • Eisenhower • Soviet-Union • Battle-of-Midway • Battle-of-Iwo-Jima • Battle-of-the-Bulge

18 Items: own • day • live • Pride • spoils • Whatisdone • Myfaultispast • his own child • Inlovingvirtue • Withoutalready • Myfatecriesout • Thedepthofgrief • Lovealltrustafew • Stealfromthethief • Haditfrommyfather • thoughts hot deeds • Shiftandsaveyourself • Payfortheirpresumptions

6 Items: day • craft • funny • summer • activity • worksheet

30 Items: day • work • year • help • class • staff • grade • email • school • credit • person • social • student • teacher • classes • reports • project • include • meridian • learning • teachers • academic • homework • research • activity • community • activities • assignments • information • jakeogatabernstein

30 Items: Us • As • Do • Of • Is • And • Let • Not • Our • but • One • Now • The • Day • His • Ten • Some • That • Near • People • Return • Neglect • Meeting • Another • Drawing • Hebrews • Together • Encourage • Especially • twentyfive

30 Items: Day • Term • News • Role • Song • Call • Seat • Side • Meal • Hall • Event • Hosts • Board • Staff • Craven • Guests • Member • Centre • Guitar • Russell • Setting • Teacher • Support • History • Purpose • Speaker • Students • Ceremony • Farewells • Restrictions

30 Items: GO • BAD • BAG • BIG • CAR • DAY • GET • NEW • SEE • COME • FOOD • GIVE • GOOD • MAKE • TAKE • TIME • CHEAP • MONEY • SMALL • TABLE • THING • WATCH • FRIEND • PENCIL • ENGLISH • COMPUTER • EXERCISE • UMBRELLA • BEAUTIFUL • EXPENSIVE

30 Items: Day • Edom • Esau • Zion • Seir • Lord • Gate • Jacob • Pride • Judah • Mount • Wrath • House • Boast • Refuge • Exiles • Vision • Temple • Obadiah • Possess • Nations • Kingdom • Enemies • Plunder • Saviors • Violence • Captives • Slaughter • Destruction • Deliverance

30 Items: sun • day • see • crow • flew • land • dark • sand • lost • help • poor • woods • ocean • trees • grass • water • night • avoid • rivers • fields • desert • locate • danger • journey • beating • nowhere • croaked • exhausted • wonderful • glistening

30 Items: up • car • sat • yes • day • put • wave • came • away • wind • blew • sand • blow • said • beach • waves • today • asked • washed • chairs • towels • family • packed • looked • watched • perfect • laughed • surprised • sandcastle • everything

30 Items: my • Mum • Dad • fly • yes • are • all • too • day • baby • grew • Peep • Chip • said • know • ones • time • life • wings • think • ready • heart • robins • Freddy • little • course • flapped • looking • actions • thoughts

30 Items: God • Cry • Day • Son • Ask • Joy • Pray • Fear • Will • Hear • Full • Heart • Judge • Widow • Elect • Night • Faith • Jesus • Avenge • Unjust • Father • Parable • Recieve • Troubles • Speedily • Anything • Vindicate • Adversary • Petitions • Confidence

30 Items: DAY • DUTY • FLAG • HONOR • PEACE • VALOR • FALLEN • HEROES • NATION • PARADE • BRAVERY • COUNTRY • COURAGE • FREEDOM • HISTORY • LIBERTY • RESPECT • SERVICE • TRIBUTE • CEREMONY • MEMORIAL • REMEMBER • REMINDER • SOLDIERS • VETERANS • GRATITUDE • SACRIFICE • TRADITION • DEDICATION • PATRIOTISM

30 Items: Age • Joy • Day • Woe • Sure • Lord • Lamb • Path • Rock • Pure • Come • Night • Cross • Holds • Times • Solid • Extol • Youth • Guide • Jesus • Strong • Worthy • Savior • Gather • Anchor • Kingdom • Together • Judgment • Presence • Triumphant

30 Items: day • fly • pie • omit • live • grow • iron • money • ready • eight • climb • color • daily • eagle • fancy • holes • hotel • noise • anyway • chance • coffee • living • forest • freeze • gentle • monkey • myself • pencil • contains • breakfast

18 Items: FDR • Axis • Italy • Japan • D-Day • Allies • Patton • Nimitz • America • Germany • Normandy • Ardennes • MacArthur • Eisenhower • Soviet-Union • Battle-of-Midway • Battle-of-Iwo-Jima • Battle-of-the-Bulge

50 Items: bus • art • work • book • glue • bell • corn • flag • labor • apple • paper • ruler • cider • paper • Monday • parade • school • picnic • paints • pencil • eraser • autumn • recess • leaves • cookout • weekend • grandma • grandpa • markers • crayons • teacher • friends • journal • harvest • barbecue • backpack • lunchbox • scissors • notebook • football • homework • computer • students • community • classroom • September • sunflower • fellowship • playground • highlighter

48 Items: Boss • Gangs • Power • Fraud • Labor • Gotti • Wealth • Racism • Capone • Italian • Murders • Illegal • Poverty • Society • Bribery • Gambino • Bonanno • Colombo • Luciano • MadeMen • Chicago • NewYear • Mobsters • Violence • Families • Gambling • American • Genovese • Lucchese • Captains • LasVegas • Extortion • Criminals • LoanShark • Notoriety • Narcotics • Underboss • Teamsters • Hollywood • Syndicates • Underworld • Prohibition • Bootlegging • Criminology • Immigration • ...

26 Items: day • sad • also • when • poet • step • time • voice • midday • no one • enough • golden • to call • to weep • to live • to have • to love • at once • to laugh • every day • meanwhile • to hand over • anyone, anything • face, expression • to do, manage, drive • school, lecture, schoolroom

34 Items: Mine • Rich • Poor • Wheel • Steel • Dirty • Baron • Strike • Income • Factory • Machine • Textile • Economy • Railroad • Carnegie • Telephone • Invention • Resources • Pollution • Migration • Socialism • Muckraker • Automation • Employment • Capitalism • Typewriter • Gilded Age • Labor Union • Rockefeller • Urbanization • Steam Engine • Bessemer Process • Captain of Industry • Industrial Revolution

31 Items: I • WW • Day • axis • WWII • Iraq • allies • crisis • Korean • Kuwait • coldwar • missile • Vietnam • regiment • atombomb • Boycotts • Memorial • alliance • dictator • tenement • holocaust • spacerace • prejudice • terrorists • capitalism • depression • CivilRights • segregation • Tuskegeeairmen • separatebutequal • nineteenthamendment

25 Items: tea • altar • candy • masks • mexico • parade • prayer • ritual • tamale • candles • dancers • incense • spirits • calavera • cemetery • PAINTING • festival • angelitos • DE MUERTO • portraits • skeletons • SAINTS DAY • tapestries • underworld • decorations

32 Items: day • busy • busy • hard • easy • focus • hours • sales • teach • learn • region • office • safety • access • breaks • details • service • factory • hazards • correct • mistake • auckland • computer • workshop • attention • production • newzealand • experience • observation • workuniform • manufacture • environment

31 Items: day • fun • job • pen • bird • door • cook • horse • table • chair • house • plate • school • sister • window • candle • turtle • dinner • pencil • goodbye • brother • parents • clothes • flowers • teacher • student • children • mountain • classroom • schoolbag • blackboard

24 Items: day • Poor • Aunt • Need • Empty • Herbs • Irish • Sorry • Shave • Nephew • Behind • Lawyer • Binder • a week • hundred • dressed • Russian • Between • Cleaner • Thousand • Magazine • Wardrobe • Mushrooms • Microwave

31 Items: day • most • yoga • photo • stamp • runner • cutest • inside • karate • museum • lotion • weakest • fastest • ugliest • slowest • outside • exciting • dodgeball • dangerous • expensive • important • dodgeball • getaticket • volleyball • interesting • tenniscourt • baseballcard • baseballfield • swimmingtrunks • surftheinternet • basketballcourt

30 Items: May • Dew • Sun • Bees • Worm • Honey • Leafs • Bunny • April • Seeds • Grass • Tulip • Robin • Lilac • Bulbs • Birth • Bloom • Chick • Spring • Breeze • Clover • Season • Rabbit • Sprout • Easter • Animal • Flowers • Puddles • Butterfly • Mothers-day

13 Items: Card • love • care • heart • candy • party • treats • glitter • friends • teachers • Valentine • chocolate • classroom

13 Items: IZZY • DOLL • FLAG • THANK • TULIP • POPPY • CANADA • WREATH • SOLDIER • VETERAN • MEMORIAL • MONUMENT • CEMETERY

13 Items: ice • snow • cold • white • freeze • flurry • icicle • snowman • blowing • crunchy • melting • blizzard • snowflake

13 Items: sun • hole • sleep • burrow • cloudy • shadow • spring • winter • weather • February • festival • groundhog • tradition

13 Items: Lili • Cole • Rojo • Mason • Ellie • Jacob • Carson • Briana • Taylor • Aubree • Catori • Alianna • McKenzie

13 Items: – Tasting like sugar. • – A sweet brown candy. • – A small, cute rabbit. • – A small, sweet treat. • – To jump with both feet. • – To put colors on something. • – To look for and get something. • – A round shape like a chicken egg. • – A shade like red, blue, or yellow. • – An animal that hops and has long ears. • – To put something where it can’t be seen. • ...

13 Items: bear • sloth • tundra • desert • cactus • parrot • safari • savanna • equator • giraffe • elephant • rainforest • precipitation

13 Items: hope • hero • poppy • peace • honour • protect • freedom • silence • remember • november • thankful • memorial • tradition

13 Items: Monthly bite of a big loan • Borrower disagreement case • Security pledged for a loan • When repayment gets delayed • The top financial regulator • Measure of delay in payments • Total value a lender manages • Official forgiveness of a fee • Category based on overdue days • What happens when payments fail • measures your credit worthiness • Verbal assurance from a borrower • ...