Heartland Bank has a smart computer system that enables the determination of loan eligibility and the appropriate interest rates to charge different customers based upon their financial risk profile. The computer system enables the calculation of loan rates for automobiles, boats or homes within minutes and consumers are able to obtain an accurate quote from the Heartland Bank website and make a decision as to whether or not they would save money or receive more benefits by being a Heartland Bank customer. The Heartland Bank system requires individuals to enter their salary, amount of debts, their age, and Social Security number. Based upon this information, the Heartland Bank system can accurately calculate the loan rate for the potential customer. This is an example of a system.