As a general rule, an element whose pay surpasses its consumption can loan or contribute the abundance, planning to procure a fair return. Correspondingly, an element where pay is not as much as consumption can bring capital generally up in one of two different ways: (1) by acquiring as a credit (private people), or by selling government or corporate securities; (ii) by a company selling value, likewise called stock or offers (which might take different structures: favored stock or normal stock). The proprietors of the two securities and stock might be institutional financial backers - monetary organizations, for example, speculation banks and annuity reserves - or private people, called private financial backers or retail financial backers