def METHOD_NAME(**kwargs):
    """
    Creates a record for the density/ratio being provided, as well as
    update the expiry/effective dates to make sure there are no gaps
    between records
    """
    effective_date = kwargs.pop('effective_date')
    model_name = kwargs.pop('model_name')
    update_user = kwargs.pop('update_user')
    model = apps.get_model('api', model_name)
    later_ratio = CreditCalculationService.get_later(
        effective_date=effective_date,
        model_name=model_name,
        update_user=update_user,
        **kwargs
    )
    if later_ratio:
        expiration_date = later_ratio.effective_date - timedelta(days=1)
    else:
        expiration_date = None
    prior_ratio = CreditCalculationService.get_prior(
        effective_date=effective_date,
        model_name=model_name,
        update_user=update_user,
        **kwargs
    )
    new_ratio = model.objects.create(
        create_user=update_user,
        effective_date=effective_date,
        update_user=update_user,
        expiration_date=expiration_date,
        **kwargs
    )
    if prior_ratio:
        expiration_date = new_ratio.effective_date - timedelta(days=1)
        if expiration_date < prior_ratio.effective_date:
            expiration_date = prior_ratio.effective_date
        prior_ratio.expiration_date = expiration_date
        prior_ratio.update_user = update_user
        prior_ratio.save()