public double returnRating(){
        Boolean reject = false;
        double pScore = 0;
        double fScore = 0;
         
        //end of variables to be created by database
        pScore = personalScore();
        if(!reject){
            fScore = financialScore(reject);
        }
        double rating = pScore+fScore;
        if(reject){
            rating = 20;
        }
        System.out.println(rating);
        return rating;
    }