"The credit of most Greek states was in fact very poor. ...Often Greek states wishing to borrow had to offer the guarantee of individual citizens in good standing, who were called "foreloaners" or "underwriters." In 377-373 B.C., thirteen states borrowed from the Temple of , and only two proved completely faithful; in all, four fifths of the money was never repaid. Thereafter the temple preferred loans to individuals, secured by land."