SOW is in relation to the entire asset base of your money. You have a bank account, you have a full-time job, however you also have assets like inheritance, businesses etc. SOW would fit more in with RG (Responsible Gambling) in many ways, because you are asking to see how much money the person has and under AML (Anti-money laundering) as a requirement, cos of the ability to layer money. AML requires to establish both SOF and SOW. One for the transaction and the other for how that fits in with your overall wealth.