{HEAD ~ Credit product profitability} for a financial institution using credit scorecards is improved by providing {TAIL ~ an analysis} that results in a recommended credit cutoff score for a particular loan product 
is improved by providing
{ HEAD ~ Credit product profitability } for a financial institution using credit scorecards is improved by providing { TAIL ~ an analysis } that results in a recommended credit cutoff score for a particular loan product
HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH REL REL REL REL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH