| Ability created | Before | After | ||
| Have Ability (%) | No Ability (%) | Have Ability (%) | No Ability (%) | |
| access Credit (n = 441) | 16.8 | 83.2 | 25.2 | 74.8 |
| Invest. in IGA (n = 441) | 21.8 | 78.2 | 27.4 | 72.6 |