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