Firms Capital = K /-•\ y = Goods & Services 1 L Individuals Wealth = W My - Money paid for Goods & Services 1 Consumption (C) TABLE 14. 1 The Financing of Investment: Flow-of-funds Estimated (%) (1970-1994) internal finance Germany 78.4 Japan 69.9 UK 95.6 USA 94.0 Bank finance 12.0 30.1 15.0 12.8 B