return {
	{
		text = "High school graduate",
		payback_chance = 0.7,
		payback_varience = 0.2,
		category = "Education",
	},
	{
		text = "Trade school graduate",
		payback_chance = 0.75,
		payback_varience = 0.1,
		category = "Education",
	},
	{
		text = "College graduate",
		payback_chance = 0.8,
		payback_varience = 0.3,
		category = "Education",
	},
	{
		text = "Went hikeing in the Grand Canyon",
		payback_chance = -1,
		payback_varience = -1,
		category = {}
	},
	{
		text = "Likes to cycle to work",
		payback_chance = -1,
		payback_varience = -1,
		category = "Habit",
	},
	{
		text = "President of their local drone enthusiast club",
		payback_chance = 0.9,
		payback_varience = 0.1,
		category = "Habit",
	},
	{
		text = "Is married",
		payback_chance = 0.8,
		payback_varience = 0.2,
		cateogry = "Marital",
	},
	{
		text = "Recently Divorced",
		payback_chance = 0.6,
		payback_varience = 0.1,
		cateogry = "Marital",
	},
	{
		text = "Unmarried",
		payback_chance = 0.55,
		payback_varience = 0.3,
		category = "Marital",
	},
	{
		text = "Has 2 children",
		payback_chance = 0.8,
		payback_varience = 0.1,
		category = "Children",
	},
	{
		text = "Has 6 children",
		payback_chance = 0.85,
		payback_varience = 0.15,
		category = "Children",
	},
	{
		text = "Dislikes cat pictures on the internet",
		payback_chance = -1,
		payback_varience = -1,
		cateogry = {}
	},
	{
		text = "Is left handed",
		payback_chance = -1,
		payback_varience = -1,
		category = {}
	},
	{
		text = "Previous criminal conviction",
		payback_chance = 0.5,
		payback_varience = 0.1,
		category = {}
	},
	{
		text = "Impulsive shopper",
		payback_chance = 0.4,
		payback_varience = 0.2,
		cateogry = {}
	},
	{
		text = "Buys expensive cloths",
		payback_chance = -1,
		payback_varience = -1,
		category = {}
	},
	{
		text = "Charged with fraud",
		payback_chance = 0.1,
		payback_varience = 0.1,
		category = {}
	},
	{
		text = "Frequently misses payments on utility bills",
		payback_chance = 0.3,
		payback_varience = 0.3,
		cateogry = {}
	},
	{
		text = "Poor fashion sense",
		payback_chance = -1,
		payback_varience = -1,
		category = {}
	},
	{
		text = "Invests in a 401k",
		payback_chance = 1,
		payback_varience = 0,
		category = {}
	},
	{
		text = "Invests in stocks",
		payback_chance = 0.5,
		payback_varience = 0.5,
		category = {}
	},
	{
		text = "Invests in bonds",
		payback_chance = 0.9,
		payback_varience = 0.05,
		category = {}
	}
}