When Evaluating the Creditworthiness of an Individual, the Term Character

When evaluating the creditworthiness of an individual, the term character refers to the:

A) Nature of the cash flows of the customer's business.
B) Customer's financial resources.
C) Types of assets the customer wants to pledge as collateral.
D) Customer's willingness to pay his/her bills in a timely fashion.
E) Nature of the customer's line of work.