The 7 "C's" (elements) of Credit is , credit rating, collateral , character, capital, capacity, covenants, conditions. (1) Which of the elements is

The 7 "C's" (elements) of Credit is , credit rating, collateral , character, capital, capacity, covenants, conditions.

(1) Which of the elements is related to ratio analysis?

(2) Can the elements be used to assess debt and equity investments?

(3) How character and conditions can affect a decision to lend money?