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As many have iterated in articles, teleconferences and presentations the world over, credit today, as a profit-driving mechanism, is often required to be more flexible and, occasionally, patently illogical or unscientific. There is unquestionably a great deal of valuable information to be gleaned from the aforementioned measurements and any other metrics that a credit department may or may not employ to examine their department's performance and to illuminate their staff's strengths and weaknesses in order to better understand how to improve performance. But there are things that a credit department's numbers may not so easily surrender. ...