 Time banks are an example of using community assets to connect individuals' assets to one another.Neighbors and local organizations share skills with one another and earn and spend ‘TimeBank Hours’ or ‘credits’ in the process, allowing an hour of child care to equal an hour of home repair or tax preparation.Since ABCD relies on existing community assets to create change, it has been criticized for implying that disadvantaged communities have all the resources they need to solve community problems.