{HEAD ~ The selected cutoff score} is determined with {TAIL ~ input} including pass and bad rate parameters for the pertinent scorecard, workflow analysis for the loan process, compartmental modeling of the workflow, and activity based costing for the workflow 
is determined with
{ HEAD ~ The selected cutoff score } is determined with { TAIL ~ input } including pass and bad rate parameters for the pertinent scorecard , workflow analysis for the loan process , compartmental modeling of the workflow , and activity based costing for the workflow
HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD REL REL REL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH