Answer:
Human capital
Step-by-step explanation:
Human capital is a form of resources that come from the individual skillet / capabilities. This could include both the ability to do physical labor, or the intellectual ability that can be used to support he business (such as the research that conducted by Mr. Stevens)
Generally, human capital is really hard to measure with monetary value. But it always regarded as one of the most important resources that businesses need to have in order to Thrive.