1. A computer implemented method of determining an optimized rate value of a target product in a financial system, comprising: providing a plurality of products in the financial system; defining a first attribute having a first attribute value for each of the plurality of products, wherein the first attribute is a criteria that impacts a rate value of the plurality of products; defining a first associated product rule, the first associated product rule being a linear rule between two of the plurality of products; optimizing the first associated product rule to produce an optimized scenario, wherein optimizing comprises: applying the first associated product rule to two of the plurality of products which actively contributes to a key product indicator; performing densification to infer the optimized rate value for each of the plurality of products which do not actively contribute to the key product indicator; and relaxing a starting rate of one of the plurality of products where the starting rate violates the first associated product rule; and recommending the optimized rate value for the target product to achieve a target in the optimized scenario, wherein the target includes a profit value and a sales volume value.