Some people become millionaires when they are below 30. Some are promoted to large organizations' CEO within a few years after leaving universities. Some have a priority in charge of more important projects. In the real world, quite a few of them are not significantly different from others in individual ability. Human capital is not the only factor. Social capital is quality of relationships between people, whereas human capital is a quality of individuals. Financial capital contributes to the creation of opportunities, social capital contributes to the findings of opportunities, and human capital contributes to the output efficiency of opportunities.