Credit to an individual is like an image to a product. It is not advisable to obtain credit for a short period of time. Honest and trustworthy people have a good image. This image is an intangible asset. What does the above text mainly explain? ['Good credit is a personal intangible asset.', 'Belief in profit is encouraged for individuals.', 'Product image is critical to the product.', 'Personal credit is equivalent to the appearance of the product.']