Reflect is a synonym of Speculate. Guess is a type of Speculate. Guess is a type of Solve. 
Borrow is related to Debt. Debt is related to Credit. Credit is a type of Payment. Payment is related to Process. 
Reflect <--Synonym--> Speculate <--IsA-- Guess --IsA--> Solve 
Borrow <--RelatedTo--> Debt <--RelatedTo--> Credit --IsA--> Payment <--RelatedTo--> Process 