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 {HEAD ~ activity based costing} for the workflow 
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 { HEAD ~ activity based costing } for the workflow
OTH OTH OTH OTH OTH OTH OTH 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 HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH