Considering the 5 C's of Credit, What Does Capital Signify

Considering the 5 C's of credit, what does capital signify?

A) The customer's willingness to meet credit obligations.
B) The customer's ability to meet credit obligations out of operating cash flows.
C) The customer's financial reserves.
D) A pledged asset in the case of default.
E) General economic conditions in the customer's line of business.