conclude, based upon the combination of such factors, that a 99.8 percent chance exists that the person will repay the loan as agreed. Using such information, and relying upon their skills as an analyst, the bankers have enough “faith” to be willing to grant the loan. Historians analyze their sources, determining their probable reliability and the way that they relate with other pieces of data such as that provided by archaeology, dating, climatology, etc. After synthesizing the data, they interpret