It has its own "set" attributes based on which it evaluates someone's account to be worth whatever it shows there, but I seriously don't believe it because the market can't be set based on a bot's thinking, we can just get an evaluation there but can't really rely on it...
Have had been, now I am going to become Da Ultimate Lender here...
Just watch out... I am giving loans based on trust and some other measures that I take into consideration...
Though the calculator provides much important information, I still can't rely upon it completely when it comes to evaluating something in monetary terms...