This document discusses a formula for calculating a company's forecasted equity or capital ratio. It involves adding available funds (F), total hard assets (A), expected receivables income (R), and a qualitative analysis value for projected growth (I), and subtracting current obligations (O). This ratio of (F+A+R+I) to (O) indicates the company's stress level, with a higher ratio meaning less stress. The qualitative I factor derives value from economic indicators and expected growth rates. The ratio compares debt to total capital, assets, and obligations.