The method 2 further comprising repeating the determining the ABC ratio and the determining the credit decision cutoff score when one or more costs of {HEAD ~ one or more activities} in {TAIL ~ the compartmental workflow model} change 
The method 2 further comprising repeating the determining the ABC ratio and the determining the credit decision cutoff score when one or more costs of { HEAD ~ one or more activities } in { TAIL ~ the compartmental workflow model } change
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 HEAD REL TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH