In this section, the balance equation will be employed as a tool to elucidate the principal elements affecting the system under study. Particular emphasis will be placed on the fact that empirical data demonstrate that the existence of previous commitments may significantly predict the outcome of future commitments, specifically in the context of financial obligations. It is important to note that the use of certain variables presented in this section, such as marital status and economic dependents, may be subject to local regulations and therefore should be used with caution. It is also important to note that the use of the aforementioned variables is optional. They are presented here merely as illustrative examples of previous commitments that demonstrate a strong correlation with the default event. It is important to note, however, that the strength of the association between these variables does not guarantee their inclusion in the final main-effects multivariable model. Similarly, the exclusion of these variables from the final model does not necessarily indicate a lack of association with the target variable. Rather, it suggests that their association was insufficient to justify their inclusion in the model, or that other variables may have emerged to explain the same variation in the data.