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