16. The apparatus of claim 1 , the processor further configured to perform: mining a plurality of tax and credit variables; and determining the first scoring expression based on a proper subset of the mined variables.
16. The apparatus of claim 1 , the processor further configured to perform: mining a plurality of tax and credit variables; and determining the first scoring expression based on a proper subset of the mined variables. 17. The apparatus of claim 16 , the processor further configured to perform: weighing each variable of the proper subset.