Although not in legal terms, I'd say so. I'm one of the more capable and reliable people that I know. If I say that I am going to do something, then you can bet your sweet ass I'm gonna do it. What is a man but his word? If we fail to follow through, then it reflects poorly upon us, and rightfully so. The kind of mindset described requires one to mame responsible decisions. And to be honest, I can't say I'm the best at that, but I'm definitely alt better than most of the people I know. I do all most of my homework, and maintain AB grades. But you know, I'm just kid... I have no experience in paying bills, filing taxes, etc. So I can't say for sure.