Value Types:

• Stored directly in memory (stack for local variables)
• Hold the actual data
• Examples: int, bool, char, struct, enum
• Assignment copies the value
• Default values are zero/false/null equivalent
  Reference Types:
• Stored on the heap, variable holds a reference to the memory location
• Examples: class, string, array, delegate
• Assignment copies the reference, not the data
• Default value is null
• Multiple variables can reference the same object