Because of the reluctance of banks to lend for investment in intangible assets, the development of intangible assets is mostly self-financed. In other words, the invisible assets are matched, on the financing side of the balance sheet, by equally invisible finance, most of which in the form of invisible equity. Knowledge organisations like Morgan & Banks or WM-data have little machinery, other than their employees and because only people can act, they are both the minders of the machines and the "machines", the revenue creators, themselves. For the most part, their competence is directed outwards, to the task of generating revenue, by solving customers� problems. It is this outward-directed energy that creates the relationships, networks, and image that comprise the organisation�s external structure. Similarly, it is the smaller amount of human competence that is directed inwards that creates, maintains, develops or erodes the organisation�s internal structure..