diff --git a/src/main/resources/bank loan origination and processing.bpmn b/src/main/resources/bank loan origination and processing.bpmn
index 8259d0a..408dd71 100644
--- a/src/main/resources/bank loan origination and processing.bpmn	
+++ b/src/main/resources/bank loan origination and processing.bpmn	
@@ -1,5 +1,5 @@
 <?xml version="1.0" encoding="UTF-8"?>
-<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:zeebe="http://camunda.org/schema/zeebe/1.0" xmlns:modeler="http://camunda.org/schema/modeler/1.0" xmlns:camunda="http://camunda.org/schema/1.0/bpmn" id="Definitions_1" targetNamespace="http://bpmn.io/schema/bpmn" exporter="Camunda Modeler" exporterVersion="5.28.0" modeler:executionPlatform="Camunda Cloud" modeler:executionPlatformVersion="8.6.0" camunda:diagramRelationId="9b349217-aad8-4473-b017-e01d5a54650f">
+<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:zeebe="http://camunda.org/schema/zeebe/1.0" xmlns:modeler="http://camunda.org/schema/modeler/1.0" xmlns:camunda="http://camunda.org/schema/1.0/bpmn" id="Definitions_1" targetNamespace="http://bpmn.io/schema/bpmn" exporter="Camunda Web Modeler" exporterVersion="1110f25" modeler:executionPlatform="Camunda Cloud" modeler:executionPlatformVersion="8.6.0" camunda:diagramRelationId="9b349217-aad8-4473-b017-e01d5a54650f">
   <bpmn:error id="Error_1waf4p2" name="loan declined" errorCode="loan_declined" />
   <bpmn:collaboration id="Collaboration_14g551t">
     <bpmn:participant id="Participant_0ql02t4" name="Bank: Loan Origination and Processing" processRef="loanOrigination" />
@@ -23,30 +23,136 @@
     <bpmn:messageFlow id="Flow_1rbcc7e" sourceRef="Participant_0vl257o" targetRef="Participant_069kh4a" />
     <bpmn:messageFlow id="Flow_1ntqrd8" sourceRef="Participant_069kh4a" targetRef="Participant_0vl257o" />
     <bpmn:messageFlow id="Flow_01nbziz" sourceRef="Participant_10cw3k9" targetRef="Event_1c61boa" />
+    <bpmn:textAnnotation id="TextAnnotation_03dccbp">
+      <bpmn:text>TODO: Add Start Event Listener</bpmn:text>
+    </bpmn:textAnnotation>
+    <bpmn:association id="Association_17i43s4" associationDirection="None" sourceRef="Gateway_0odman6" targetRef="TextAnnotation_03dccbp" />
   </bpmn:collaboration>
   <bpmn:process id="loanOrigination" name="Bank: Loan origination and processing" isExecutable="true">
+    <bpmn:subProcess id="Activity_18spil4" triggeredByEvent="true">
+      <bpmn:sequenceFlow id="Flow_02qdyzp" sourceRef="Activity_06izmqr" targetRef="Activity_02ronq9" />
+      <bpmn:sequenceFlow id="Flow_05a2cyr" sourceRef="Event_1cecpcb" targetRef="Activity_06izmqr" />
+      <bpmn:sequenceFlow id="Flow_12y2spe" sourceRef="Activity_02ronq9" targetRef="Event_1w5q45x" />
+      <bpmn:startEvent id="Event_1cecpcb" name="loan declined">
+        <bpmn:outgoing>Flow_05a2cyr</bpmn:outgoing>
+        <bpmn:errorEventDefinition id="ErrorEventDefinition_02s3yo7" errorRef="Error_1waf4p2" />
+      </bpmn:startEvent>
+      <bpmn:endEvent id="Event_1w5q45x" name="loan rejection completed">
+        <bpmn:incoming>Flow_12y2spe</bpmn:incoming>
+      </bpmn:endEvent>
+      <bpmn:serviceTask id="Activity_02ronq9" name="Record declined loan application">
+        <bpmn:extensionElements>
+          <zeebe:taskDefinition type="job" />
+        </bpmn:extensionElements>
+        <bpmn:incoming>Flow_02qdyzp</bpmn:incoming>
+        <bpmn:outgoing>Flow_12y2spe</bpmn:outgoing>
+      </bpmn:serviceTask>
+      <bpmn:sendTask id="Activity_06izmqr" name="Send rejection mail">
+        <bpmn:extensionElements>
+          <zeebe:taskDefinition type="job" />
+          <zeebe:ioMapping>
+            <zeebe:input source="=&#34;rejection&#34;" target="type" />
+          </zeebe:ioMapping>
+        </bpmn:extensionElements>
+        <bpmn:incoming>Flow_05a2cyr</bpmn:incoming>
+        <bpmn:outgoing>Flow_02qdyzp</bpmn:outgoing>
+      </bpmn:sendTask>
+    </bpmn:subProcess>
+    <bpmn:boundaryEvent id="Event_0oxv702" name="after 7 days" attachedToRef="Activity_0ebp42o">
+      <bpmn:outgoing>Flow_1ythlix</bpmn:outgoing>
+      <bpmn:timerEventDefinition id="TimerEventDefinition_1pjr0sw">
+        <bpmn:timeDuration xsi:type="bpmn:tFormalExpression">P7D</bpmn:timeDuration>
+      </bpmn:timerEventDefinition>
+    </bpmn:boundaryEvent>
+    <bpmn:intermediateCatchEvent id="customerInformationReceived" name="Customer information received">
+      <bpmn:incoming>Flow_0vnblrd</bpmn:incoming>
+      <bpmn:outgoing>Flow_1r4dbfu</bpmn:outgoing>
+      <bpmn:messageEventDefinition id="MessageEventDefinition_0wbei0k" messageRef="Message_3m04392" />
+    </bpmn:intermediateCatchEvent>
+    <bpmn:subProcess id="Activity_0ebp42o" name="Customer response process">
+      <bpmn:incoming>Flow_14mj0nw</bpmn:incoming>
+      <bpmn:outgoing>Flow_1q8k0ac</bpmn:outgoing>
+      <bpmn:receiveTask id="Activity_0ytx2e1" name="Customer accepts offer" messageRef="Message_02eoed2">
+        <bpmn:incoming>Flow_0gqsjxl</bpmn:incoming>
+        <bpmn:outgoing>Flow_1gva03v</bpmn:outgoing>
+      </bpmn:receiveTask>
+      <bpmn:startEvent id="Event_1dae596" name="customer response process started">
+        <bpmn:outgoing>Flow_0gqsjxl</bpmn:outgoing>
+      </bpmn:startEvent>
+      <bpmn:endEvent id="Event_0oazjmr" name="customer response received">
+        <bpmn:incoming>Flow_1gva03v</bpmn:incoming>
+      </bpmn:endEvent>
+      <bpmn:sequenceFlow id="Flow_0gqsjxl" sourceRef="Event_1dae596" targetRef="Activity_0ytx2e1" />
+      <bpmn:sequenceFlow id="Flow_0p8dd40" sourceRef="Activity_0ifs0xt" targetRef="Event_1nlwvrt" />
+      <bpmn:sequenceFlow id="Flow_0yyodwk" sourceRef="Event_1q6ha09" targetRef="Activity_0ifs0xt" />
+      <bpmn:sequenceFlow id="Flow_1gva03v" sourceRef="Activity_0ytx2e1" targetRef="Event_0oazjmr" />
+      <bpmn:endEvent id="Event_1nlwvrt" name="reminder sent">
+        <bpmn:incoming>Flow_0p8dd40</bpmn:incoming>
+      </bpmn:endEvent>
+      <bpmn:sendTask id="Activity_0ifs0xt" name="Send reminder via mail">
+        <bpmn:extensionElements>
+          <zeebe:taskDefinition type="email_notification" />
+          <zeebe:ioMapping>
+            <zeebe:input source="=&#34;offer&#34;" target="type" />
+          </zeebe:ioMapping>
+        </bpmn:extensionElements>
+        <bpmn:incoming>Flow_0yyodwk</bpmn:incoming>
+        <bpmn:outgoing>Flow_0p8dd40</bpmn:outgoing>
+      </bpmn:sendTask>
+      <bpmn:boundaryEvent id="Event_1q6ha09" name="twice in 48h" cancelActivity="false" attachedToRef="Activity_0ytx2e1">
+        <bpmn:outgoing>Flow_0yyodwk</bpmn:outgoing>
+        <bpmn:timerEventDefinition id="TimerEventDefinition_03lewwp">
+          <bpmn:timeCycle xsi:type="bpmn:tFormalExpression">R2/P1D</bpmn:timeCycle>
+        </bpmn:timerEventDefinition>
+      </bpmn:boundaryEvent>
+    </bpmn:subProcess>
+    <bpmn:exclusiveGateway id="Gateway_0odman6" name="Do we need more data?" default="Flow_0gr6q5q">
+      <bpmn:extensionElements>
+        <zeebe:properties>
+          <zeebe:property name="camundaModeler:exampleOutputJson" value="{&#34;additionalCheck&#34; : false}" />
+        </zeebe:properties>
+      </bpmn:extensionElements>
+      <bpmn:incoming>Flow_12o7iz6</bpmn:incoming>
+      <bpmn:incoming>Flow_1rybhfo</bpmn:incoming>
+      <bpmn:outgoing>Flow_0gr6q5q</bpmn:outgoing>
+      <bpmn:outgoing>Flow_1tykdw0</bpmn:outgoing>
+    </bpmn:exclusiveGateway>
+    <bpmn:exclusiveGateway id="Gateway_0h8t0o8" name="Enough data?" default="Flow_1uqps3a">
+      <bpmn:incoming>Flow_1kp5g1n</bpmn:incoming>
+      <bpmn:outgoing>Flow_1uqps3a</bpmn:outgoing>
+      <bpmn:outgoing>Flow_12o7iz6</bpmn:outgoing>
+    </bpmn:exclusiveGateway>
     <bpmn:sequenceFlow id="Flow_05vdl8x" sourceRef="Event_09ign1n" targetRef="Activity_0ii025u" />
     <bpmn:sequenceFlow id="Flow_08s2y8v" sourceRef="Event_0p71g2v" targetRef="Activity_0neec1e" />
     <bpmn:sequenceFlow id="Flow_0f7795l" sourceRef="Event_0oi6owt" targetRef="Event_06j7g8l" />
     <bpmn:sequenceFlow id="Flow_0h21b3d" sourceRef="Activity_0ii025u" targetRef="Event_12a1edv" />
     <bpmn:sequenceFlow id="Flow_0i2sxpr" sourceRef="Activity_0ehz785" targetRef="Event_1ym330b" />
     <bpmn:sequenceFlow id="Flow_0t0fgj1" sourceRef="Activity_0neec1e" targetRef="Event_09ign1n" />
+    <bpmn:sequenceFlow id="Flow_0vnblrd" sourceRef="missingInformationRequest" targetRef="customerInformationReceived" />
+    <bpmn:sequenceFlow id="Flow_145cnel" sourceRef="loanRequested" targetRef="Event_1c61boa" />
     <bpmn:sequenceFlow id="Flow_14mj0nw" sourceRef="Activity_1qx00c8" targetRef="Activity_0ebp42o" />
+    <bpmn:sequenceFlow id="Flow_1kp5g1n" sourceRef="Gateway_1i87sao" targetRef="Gateway_0h8t0o8" />
     <bpmn:sequenceFlow id="Flow_1nyx4yp" sourceRef="Event_1ym330b" targetRef="Activity_1qx00c8" />
     <bpmn:sequenceFlow id="Flow_1q8k0ac" sourceRef="Activity_0ebp42o" targetRef="Event_0p71g2v" />
+    <bpmn:sequenceFlow id="Flow_1r4dbfu" sourceRef="customerInformationReceived" targetRef="Gateway_1i87sao" />
+    <bpmn:sequenceFlow id="Flow_1rybhfo" sourceRef="Event_1c61boa" targetRef="Gateway_0odman6" />
+    <bpmn:sequenceFlow id="Flow_1t0w6hs" sourceRef="ValidateDataAndCreateTicket" targetRef="Activity_0ehz785" />
     <bpmn:sequenceFlow id="Flow_1ythlix" sourceRef="Event_0oxv702" targetRef="Event_1pq5rfu" />
-    <bpmn:startEvent id="loanRequested" name="loan requested">
+    <bpmn:exclusiveGateway id="Gateway_1i87sao">
+      <bpmn:incoming>Flow_0gr6q5q</bpmn:incoming>
+      <bpmn:incoming>Flow_1r4dbfu</bpmn:incoming>
+      <bpmn:outgoing>Flow_1kp5g1n</bpmn:outgoing>
+    </bpmn:exclusiveGateway>
+    <bpmn:intermediateCatchEvent id="Event_1c61boa" name="Get credit score">
       <bpmn:extensionElements>
-        <zeebe:formDefinition formId="Form_16l6p9i" />
-        <zeebe:properties>
-          <zeebe:property name="camundaModeler:exampleOutputJson" value="{&#10;  &#34;address&#34;: {&#10;    &#34;first_name&#34;: &#34;Laya&#34;,&#10;    &#34;last_name&#34;: &#34;Williams&#34;,&#10;    &#34;address_1&#34;: &#34;123 Anywhere Dr&#34;,&#10;    &#34;address_2&#34;: &#34;&#34;,&#10;    &#34;city&#34;: &#34;Raleigh&#34;,&#10;    &#34;zip_code&#34;: &#34;27697&#34;,&#10;    &#34;state&#34;: &#34;North Carolina&#34;,&#10;    &#34;country&#34;: &#34;USA&#34;&#10;  },&#10;  &#34;contact&#34;: {&#10;    &#34;email&#34;: &#34;laya.williams@mail.mail&#34;,&#10;    &#34;phone&#34;: &#34;+4930664040900&#34;,&#10;    &#34;mobile&#34;: &#34;+4930664040900&#34;&#10;  },&#10;  &#34;pi&#34;: {&#10;    &#34;ssn&#34;: &#34;134-31-1679&#34;,&#10;    &#34;date_of_birth&#34;: null,&#10;    &#34;annual_salary&#34;: 55200,&#10;    &#34;current_employer&#34;: &#34;Styles and Speed Printing LLC.&#34;&#10;  },&#10;  &#34;loan&#34;: {&#10;    &#34;amount&#34;: 25000,&#10;    &#34;tenure&#34;: 36&#10;  }&#10;}" />
-        </zeebe:properties>
+        <zeebe:ioMapping>
+          <zeebe:output source="=760" target="creditScore" />
+        </zeebe:ioMapping>
       </bpmn:extensionElements>
-      <bpmn:outgoing>Flow_145cnel</bpmn:outgoing>
-    </bpmn:startEvent>
-    <bpmn:sequenceFlow id="Flow_1uqps3a" name="Yes" sourceRef="Gateway_0h8t0o8" targetRef="ValidateDataAndCreateTicket">
-      <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=additionalCheck = false</bpmn:conditionExpression>
-    </bpmn:sequenceFlow>
+      <bpmn:incoming>Flow_145cnel</bpmn:incoming>
+      <bpmn:outgoing>Flow_1rybhfo</bpmn:outgoing>
+      <bpmn:messageEventDefinition id="MessageEventDefinition_11lms9u" messageRef="Message_3m04392" />
+    </bpmn:intermediateCatchEvent>
     <bpmn:intermediateThrowEvent id="Event_09ign1n" name="loan&#10;provided">
       <bpmn:incoming>Flow_0t0fgj1</bpmn:incoming>
       <bpmn:outgoing>Flow_05vdl8x</bpmn:outgoing>
@@ -59,6 +165,10 @@
       <bpmn:incoming>Flow_0i2sxpr</bpmn:incoming>
       <bpmn:outgoing>Flow_1nyx4yp</bpmn:outgoing>
     </bpmn:intermediateThrowEvent>
+    <bpmn:boundaryEvent id="Event_0oi6owt" name="loan declined" attachedToRef="Activity_0ehz785">
+      <bpmn:outgoing>Flow_0f7795l</bpmn:outgoing>
+      <bpmn:errorEventDefinition id="ErrorEventDefinition_10ohf7r" errorRef="Error_1waf4p2" />
+    </bpmn:boundaryEvent>
     <bpmn:endEvent id="Event_06j7g8l" name="loan declined - automatically or manually">
       <bpmn:incoming>Flow_0f7795l</bpmn:incoming>
       <bpmn:errorEventDefinition id="ErrorEventDefinition_0shbr3g" errorRef="Error_1waf4p2" />
@@ -67,36 +177,6 @@
       <bpmn:incoming>Flow_1ythlix</bpmn:incoming>
       <bpmn:errorEventDefinition id="ErrorEventDefinition_0q1a35y" errorRef="Error_1waf4p2" />
     </bpmn:endEvent>
-    <bpmn:endEvent id="Event_12a1edv" name="loan request processed">
-      <bpmn:incoming>Flow_0h21b3d</bpmn:incoming>
-    </bpmn:endEvent>
-    <bpmn:serviceTask id="Activity_0neec1e" name="Provide loan">
-      <bpmn:extensionElements>
-        <zeebe:taskDefinition type="job" />
-      </bpmn:extensionElements>
-      <bpmn:incoming>Flow_08s2y8v</bpmn:incoming>
-      <bpmn:outgoing>Flow_0t0fgj1</bpmn:outgoing>
-    </bpmn:serviceTask>
-    <bpmn:sendTask id="Activity_0ii025u" name="Send confirmation mail">
-      <bpmn:extensionElements>
-        <zeebe:taskDefinition type="job" />
-        <zeebe:ioMapping>
-          <zeebe:input source="=&#34;confirmation&#34;" target="type" />
-        </zeebe:ioMapping>
-      </bpmn:extensionElements>
-      <bpmn:incoming>Flow_05vdl8x</bpmn:incoming>
-      <bpmn:outgoing>Flow_0h21b3d</bpmn:outgoing>
-    </bpmn:sendTask>
-    <bpmn:sendTask id="Activity_1qx00c8" name="Send offer via mail">
-      <bpmn:extensionElements>
-        <zeebe:taskDefinition type="job" />
-        <zeebe:ioMapping>
-          <zeebe:input source="=&#34;offer&#34;" target="type" />
-        </zeebe:ioMapping>
-      </bpmn:extensionElements>
-      <bpmn:incoming>Flow_1nyx4yp</bpmn:incoming>
-      <bpmn:outgoing>Flow_14mj0nw</bpmn:outgoing>
-    </bpmn:sendTask>
     <bpmn:subProcess id="Activity_0ehz785" name="Loan processing">
       <bpmn:incoming>Flow_1t0w6hs</bpmn:incoming>
       <bpmn:outgoing>Flow_0i2sxpr</bpmn:outgoing>
@@ -108,7 +188,7 @@
       </bpmn:sequenceFlow>
       <bpmn:businessRuleTask id="Activity_00toffi" name="Calculate loan results">
         <bpmn:extensionElements>
-          <zeebe:calledDecision decisionId="calculate_loan_results_01uhf55" resultVariable="loan_results" />
+          <zeebe:calledDecision decisionId="Decision_tuystje" resultVariable="loan_results" />
         </bpmn:extensionElements>
         <bpmn:incoming>Flow_0f5fqcz</bpmn:incoming>
         <bpmn:outgoing>Flow_075y3tx</bpmn:outgoing>
@@ -184,150 +264,84 @@
         <bpmn:outgoing>Flow_01k4abh</bpmn:outgoing>
       </bpmn:exclusiveGateway>
     </bpmn:subProcess>
-    <bpmn:subProcess id="Activity_18spil4" triggeredByEvent="true">
-      <bpmn:sequenceFlow id="Flow_02qdyzp" sourceRef="Activity_06izmqr" targetRef="Activity_02ronq9" />
-      <bpmn:sequenceFlow id="Flow_05a2cyr" sourceRef="Event_1cecpcb" targetRef="Activity_06izmqr" />
-      <bpmn:sequenceFlow id="Flow_12y2spe" sourceRef="Activity_02ronq9" targetRef="Event_1w5q45x" />
-      <bpmn:startEvent id="Event_1cecpcb" name="loan declined">
-        <bpmn:outgoing>Flow_05a2cyr</bpmn:outgoing>
-        <bpmn:errorEventDefinition id="ErrorEventDefinition_02s3yo7" errorRef="Error_1waf4p2" />
-      </bpmn:startEvent>
-      <bpmn:endEvent id="Event_1w5q45x" name="loan rejection completed">
-        <bpmn:incoming>Flow_12y2spe</bpmn:incoming>
-      </bpmn:endEvent>
-      <bpmn:serviceTask id="Activity_02ronq9" name="Record declined loan application">
-        <bpmn:extensionElements>
-          <zeebe:taskDefinition type="job" />
-        </bpmn:extensionElements>
-        <bpmn:incoming>Flow_02qdyzp</bpmn:incoming>
-        <bpmn:outgoing>Flow_12y2spe</bpmn:outgoing>
-      </bpmn:serviceTask>
-      <bpmn:sendTask id="Activity_06izmqr" name="Send rejection mail">
-        <bpmn:extensionElements>
-          <zeebe:taskDefinition type="job" />
-          <zeebe:ioMapping>
-            <zeebe:input source="=&#34;rejection&#34;" target="type" />
-          </zeebe:ioMapping>
-        </bpmn:extensionElements>
-        <bpmn:incoming>Flow_05a2cyr</bpmn:incoming>
-        <bpmn:outgoing>Flow_02qdyzp</bpmn:outgoing>
-      </bpmn:sendTask>
-    </bpmn:subProcess>
-    <bpmn:subProcess id="Activity_0ebp42o" name="Customer response process">
-      <bpmn:incoming>Flow_14mj0nw</bpmn:incoming>
-      <bpmn:outgoing>Flow_1q8k0ac</bpmn:outgoing>
-      <bpmn:receiveTask id="Activity_0ytx2e1" name="Customer accepts offer" messageRef="Message_02eoed2">
-        <bpmn:incoming>Flow_0gqsjxl</bpmn:incoming>
-        <bpmn:outgoing>Flow_1gva03v</bpmn:outgoing>
-      </bpmn:receiveTask>
-      <bpmn:startEvent id="Event_1dae596" name="customer response process started">
-        <bpmn:outgoing>Flow_0gqsjxl</bpmn:outgoing>
-      </bpmn:startEvent>
-      <bpmn:endEvent id="Event_0oazjmr" name="customer response received">
-        <bpmn:incoming>Flow_1gva03v</bpmn:incoming>
-      </bpmn:endEvent>
-      <bpmn:sequenceFlow id="Flow_0gqsjxl" sourceRef="Event_1dae596" targetRef="Activity_0ytx2e1" />
-      <bpmn:sequenceFlow id="Flow_0p8dd40" sourceRef="Activity_0ifs0xt" targetRef="Event_1nlwvrt" />
-      <bpmn:sequenceFlow id="Flow_0yyodwk" sourceRef="Event_1q6ha09" targetRef="Activity_0ifs0xt" />
-      <bpmn:sequenceFlow id="Flow_1gva03v" sourceRef="Activity_0ytx2e1" targetRef="Event_0oazjmr" />
-      <bpmn:endEvent id="Event_1nlwvrt" name="reminder sent">
-        <bpmn:incoming>Flow_0p8dd40</bpmn:incoming>
-      </bpmn:endEvent>
-      <bpmn:sendTask id="Activity_0ifs0xt" name="Send reminder via mail">
-        <bpmn:extensionElements>
-          <zeebe:taskDefinition type="email_notification" />
-          <zeebe:ioMapping>
-            <zeebe:input source="=&#34;offer&#34;" target="type" />
-          </zeebe:ioMapping>
-        </bpmn:extensionElements>
-        <bpmn:incoming>Flow_0yyodwk</bpmn:incoming>
-        <bpmn:outgoing>Flow_0p8dd40</bpmn:outgoing>
-      </bpmn:sendTask>
-      <bpmn:boundaryEvent id="Event_1q6ha09" name="twice in 48h" cancelActivity="false" attachedToRef="Activity_0ytx2e1">
-        <bpmn:outgoing>Flow_0yyodwk</bpmn:outgoing>
-        <bpmn:timerEventDefinition id="TimerEventDefinition_03lewwp">
-          <bpmn:timeCycle xsi:type="bpmn:tFormalExpression">R2/P1D</bpmn:timeCycle>
-        </bpmn:timerEventDefinition>
-      </bpmn:boundaryEvent>
-    </bpmn:subProcess>
-    <bpmn:boundaryEvent id="Event_0oi6owt" name="loan declined" attachedToRef="Activity_0ehz785">
-      <bpmn:outgoing>Flow_0f7795l</bpmn:outgoing>
-      <bpmn:errorEventDefinition id="ErrorEventDefinition_10ohf7r" errorRef="Error_1waf4p2" />
-    </bpmn:boundaryEvent>
-    <bpmn:boundaryEvent id="Event_0oxv702" name="after 7 days" attachedToRef="Activity_0ebp42o">
-      <bpmn:outgoing>Flow_1ythlix</bpmn:outgoing>
-      <bpmn:timerEventDefinition id="TimerEventDefinition_1pjr0sw">
-        <bpmn:timeDuration xsi:type="bpmn:tFormalExpression">P7D</bpmn:timeDuration>
-      </bpmn:timerEventDefinition>
-    </bpmn:boundaryEvent>
-    <bpmn:exclusiveGateway id="Gateway_0odman6" name="Do we need more data?">
-      <bpmn:documentation>Start EL (jobType: "startEl") for gateway to check if we need more data</bpmn:documentation>
+    <bpmn:endEvent id="Event_12a1edv" name="loan request processed">
+      <bpmn:incoming>Flow_0h21b3d</bpmn:incoming>
+    </bpmn:endEvent>
+    <bpmn:startEvent id="loanRequested" name="loan requested">
       <bpmn:extensionElements>
-        <zeebe:executionListeners>
-          <zeebe:executionListener eventType="start" type="startEl" />
-        </zeebe:executionListeners>
+        <zeebe:formDefinition formId="Form_16l6p9i" />
+        <zeebe:properties>
+          <zeebe:property name="camundaModeler:exampleOutputJson" value="{&#10;  &#34;address&#34;: {&#10;    &#34;first_name&#34;: &#34;Laya&#34;,&#10;    &#34;last_name&#34;: &#34;Williams&#34;,&#10;    &#34;address_1&#34;: &#34;123 Anywhere Dr&#34;,&#10;    &#34;address_2&#34;: &#34;&#34;,&#10;    &#34;city&#34;: &#34;Raleigh&#34;,&#10;    &#34;zip_code&#34;: &#34;27697&#34;,&#10;    &#34;state&#34;: &#34;North Carolina&#34;,&#10;    &#34;country&#34;: &#34;USA&#34;&#10;  },&#10;  &#34;contact&#34;: {&#10;    &#34;email&#34;: &#34;laya.williams@mail.mail&#34;,&#10;    &#34;phone&#34;: &#34;+4930664040900&#34;,&#10;    &#34;mobile&#34;: &#34;+4930664040900&#34;&#10;  },&#10;  &#34;pi&#34;: {&#10;    &#34;ssn&#34;: &#34;134-31-1679&#34;,&#10;    &#34;date_of_birth&#34;: null,&#10;    &#34;annual_salary&#34;: 55200,&#10;    &#34;current_employer&#34;: &#34;Styles and Speed Printing LLC.&#34;&#10;  },&#10;  &#34;loan&#34;: {&#10;    &#34;amount&#34;: 25000,&#10;    &#34;tenure&#34;: 36&#10;  }&#10;}" />
+        </zeebe:properties>
+        <zeebe:ioMapping>
+          <zeebe:output source="=8675309" target="customerId" />
+        </zeebe:ioMapping>
       </bpmn:extensionElements>
-      <bpmn:incoming>Flow_12o7iz6</bpmn:incoming>
-      <bpmn:incoming>Flow_1rybhfo</bpmn:incoming>
-      <bpmn:outgoing>Flow_0gr6q5q</bpmn:outgoing>
-      <bpmn:outgoing>Flow_1tykdw0</bpmn:outgoing>
-    </bpmn:exclusiveGateway>
+      <bpmn:outgoing>Flow_145cnel</bpmn:outgoing>
+    </bpmn:startEvent>
     <bpmn:sequenceFlow id="Flow_12o7iz6" name="No" sourceRef="Gateway_0h8t0o8" targetRef="Gateway_0odman6">
       <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=additionalCheck = true</bpmn:conditionExpression>
     </bpmn:sequenceFlow>
-    <bpmn:sequenceFlow id="Flow_0gr6q5q" name="No" sourceRef="Gateway_0odman6" targetRef="Gateway_1i87sao">
-      <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=additionalCheck = false</bpmn:conditionExpression>
-    </bpmn:sequenceFlow>
-    <bpmn:sequenceFlow id="Flow_1tykdw0" name="Yes" sourceRef="Gateway_0odman6" targetRef="Activity_099dv3b">
-      <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=additionalCheck = true</bpmn:conditionExpression>
-    </bpmn:sequenceFlow>
-    <bpmn:sequenceFlow id="Flow_1r4dbfu" sourceRef="customerInformationReceived" targetRef="Gateway_1i87sao" />
-    <bpmn:sequenceFlow id="Flow_1t0w6hs" sourceRef="ValidateDataAndCreateTicket" targetRef="Activity_0ehz785" />
-    <bpmn:sequenceFlow id="Flow_1kp5g1n" sourceRef="Gateway_1i87sao" targetRef="Gateway_0h8t0o8" />
-    <bpmn:serviceTask id="ValidateDataAndCreateTicket" name="Validate data and create ticket">
+    <bpmn:sequenceFlow id="Flow_0gr6q5q" name="No" sourceRef="Gateway_0odman6" targetRef="Gateway_1i87sao" />
+    <bpmn:serviceTask id="Activity_0neec1e" name="Provide loan">
+      <bpmn:extensionElements>
+        <zeebe:taskDefinition type="job" />
+      </bpmn:extensionElements>
+      <bpmn:incoming>Flow_08s2y8v</bpmn:incoming>
+      <bpmn:outgoing>Flow_0t0fgj1</bpmn:outgoing>
+    </bpmn:serviceTask>
+    <bpmn:serviceTask id="missingInformationRequest" name="Request missing information from the customer" zeebe:modelerTemplate="io.camunda.connectors.HttpJson.v2" zeebe:modelerTemplateVersion="8" zeebe:modelerTemplateIcon="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTgiIGhlaWdodD0iMTgiIHZpZXdCb3g9IjAgMCAxOCAxOCIgZmlsbD0ibm9uZSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4KPHBhdGggZD0iTTE3LjAzMzUgOC45OTk5N0MxNy4wMzM1IDEzLjQ0NzUgMTMuNDI4MSAxNy4wNTI5IDguOTgwNjUgMTcuMDUyOUM0LjUzMzE2IDE3LjA1MjkgMC45Mjc3NjUgMTMuNDQ3NSAwLjkyNzc2NSA4Ljk5OTk3QzAuOTI3NzY1IDQuNTUyNDggNC41MzMxNiAwLjk0NzA4MyA4Ljk4MDY1IDAuOTQ3MDgzQzEzLjQyODEgMC45NDcwODMgMTcuMDMzNSA0LjU1MjQ4IDE3LjAzMzUgOC45OTk5N1oiIGZpbGw9IiM1MDU1NjIiLz4KPHBhdGggZD0iTTQuOTMxMjYgMTQuMTU3MUw2Ljc4MTA2IDMuNzE0NzFIMTAuMTM3NUMxMS4xOTE3IDMuNzE0NzEgMTEuOTgyNCAzLjk4MzIzIDEyLjUwOTUgNC41MjAyN0MxMy4wNDY1IDUuMDQ3MzYgMTMuMzE1IDUuNzMzNTggMTMuMzE1IDYuNTc4OTJDMTMuMzE1IDcuNDQ0MTQgMTMuMDcxNCA4LjE1NTIyIDEyLjU4NDEgOC43MTIxNUMxMi4xMDY3IDkuMjU5MTMgMTEuNDU1MyA5LjYzNzA1IDEwLjYyOTggOS44NDU5TDEyLjA2MTkgMTQuMTU3MUgxMC4zMzE1TDkuMDMzNjQgMTAuMDI0OUg3LjI0MzUxTDYuNTEyNTQgMTQuMTU3MUg0LjkzMTI2Wk03LjQ5NzExIDguNTkyODFIOS4yNDI0OEM5Ljk5ODMyIDguNTkyODEgMTAuNTkwMSA4LjQyMzc0IDExLjAxNzcgOC4wODU2MUMxMS40NTUzIDcuNzM3NTMgMTEuNjc0MSA3LjI2NTEzIDExLjY3NDEgNi42Njg0MkMxMS42NzQxIDYuMTkxMDYgMTEuNTI0OSA1LjgxODExIDExLjIyNjUgNS41NDk1OUMxMC45MjgyIDUuMjcxMTMgMTAuNDU1OCA1LjEzMTkgOS44MDkzNiA1LjEzMTlIOC4xMDg3NEw3LjQ5NzExIDguNTkyODFaIiBmaWxsPSJ3aGl0ZSIvPgo8L3N2Zz4K">
+      <bpmn:extensionElements>
+        <zeebe:taskDefinition type="io.camunda:http-json:1" retries="3" />
+        <zeebe:ioMapping>
+          <zeebe:input source="noAuth" target="authentication.type" />
+          <zeebe:input source="GET" target="method" />
+          <zeebe:input source="https://635684e19243cf412f86c4ec.mockapi.io/api/v1/totalPrice/1" target="url" />
+          <zeebe:input source="20" target="connectionTimeoutInSeconds" />
+          <zeebe:input source="20" target="readTimeoutInSeconds" />
+        </zeebe:ioMapping>
+        <zeebe:taskHeaders>
+          <zeebe:header key="resultExpression" value="=body" />
+          <zeebe:header key="retryBackoff" value="PT0S" />
+        </zeebe:taskHeaders>
+      </bpmn:extensionElements>
+      <bpmn:incoming>Flow_1tykdw0</bpmn:incoming>
+      <bpmn:outgoing>Flow_0vnblrd</bpmn:outgoing>
+    </bpmn:serviceTask>
+    <bpmn:sendTask id="Activity_0ii025u" name="Send confirmation mail">
       <bpmn:extensionElements>
         <zeebe:taskDefinition type="job" />
-        <zeebe:properties />
+        <zeebe:ioMapping>
+          <zeebe:input source="=&#34;confirmation&#34;" target="type" />
+        </zeebe:ioMapping>
       </bpmn:extensionElements>
-      <bpmn:incoming>Flow_1uqps3a</bpmn:incoming>
-      <bpmn:outgoing>Flow_1t0w6hs</bpmn:outgoing>
-    </bpmn:serviceTask>
-    <bpmn:exclusiveGateway id="Gateway_1i87sao">
-      <bpmn:incoming>Flow_0gr6q5q</bpmn:incoming>
-      <bpmn:incoming>Flow_1r4dbfu</bpmn:incoming>
-      <bpmn:outgoing>Flow_1kp5g1n</bpmn:outgoing>
-    </bpmn:exclusiveGateway>
-    <bpmn:exclusiveGateway id="Gateway_0h8t0o8" name="Enough data?">
-      <bpmn:incoming>Flow_1kp5g1n</bpmn:incoming>
-      <bpmn:outgoing>Flow_1uqps3a</bpmn:outgoing>
-      <bpmn:outgoing>Flow_12o7iz6</bpmn:outgoing>
-    </bpmn:exclusiveGateway>
-    <bpmn:sequenceFlow id="Flow_1rybhfo" sourceRef="Event_1c61boa" targetRef="Gateway_0odman6" />
-    <bpmn:sequenceFlow id="Flow_145cnel" sourceRef="loanRequested" targetRef="Event_1c61boa" />
-    <bpmn:intermediateCatchEvent id="Event_1c61boa" name="Get credit score">
-      <bpmn:extensionElements />
-      <bpmn:incoming>Flow_145cnel</bpmn:incoming>
-      <bpmn:outgoing>Flow_1rybhfo</bpmn:outgoing>
-      <bpmn:messageEventDefinition id="MessageEventDefinition_11lms9u" messageRef="Message_3m04392" />
-    </bpmn:intermediateCatchEvent>
-    <bpmn:intermediateCatchEvent id="customerInformationReceived" name="Customer information received">
+      <bpmn:incoming>Flow_05vdl8x</bpmn:incoming>
+      <bpmn:outgoing>Flow_0h21b3d</bpmn:outgoing>
+    </bpmn:sendTask>
+    <bpmn:sendTask id="Activity_1qx00c8" name="Send offer via mail">
       <bpmn:extensionElements>
+        <zeebe:taskDefinition type="job" />
         <zeebe:ioMapping>
-          <zeebe:output source="=false" target="additionalCheck" />
+          <zeebe:input source="=&#34;offer&#34;" target="type" />
         </zeebe:ioMapping>
       </bpmn:extensionElements>
-      <bpmn:incoming>Flow_0yqe20b</bpmn:incoming>
-      <bpmn:outgoing>Flow_1r4dbfu</bpmn:outgoing>
-      <bpmn:messageEventDefinition id="MessageEventDefinition_0wbei0k" messageRef="Message_3m04392" />
-    </bpmn:intermediateCatchEvent>
-    <bpmn:sequenceFlow id="Flow_0yqe20b" sourceRef="Activity_099dv3b" targetRef="customerInformationReceived" />
-    <bpmn:serviceTask id="Activity_099dv3b" name="Request missing information from the customer">
+      <bpmn:incoming>Flow_1nyx4yp</bpmn:incoming>
+      <bpmn:outgoing>Flow_14mj0nw</bpmn:outgoing>
+    </bpmn:sendTask>
+    <bpmn:serviceTask id="ValidateDataAndCreateTicket" name="Validate data and create ticket">
       <bpmn:extensionElements>
         <zeebe:taskDefinition type="job" />
+        <zeebe:properties>
+          <zeebe:property name="camundaModeler:exampleOutputJson" value="{&#34;ticketId&#34;:12345678459}" />
+        </zeebe:properties>
       </bpmn:extensionElements>
-      <bpmn:incoming>Flow_1tykdw0</bpmn:incoming>
-      <bpmn:outgoing>Flow_0yqe20b</bpmn:outgoing>
+      <bpmn:incoming>Flow_1uqps3a</bpmn:incoming>
+      <bpmn:outgoing>Flow_1t0w6hs</bpmn:outgoing>
     </bpmn:serviceTask>
+    <bpmn:sequenceFlow id="Flow_1uqps3a" name="Yes" sourceRef="Gateway_0h8t0o8" targetRef="ValidateDataAndCreateTicket" />
+    <bpmn:sequenceFlow id="Flow_1tykdw0" name="Yes" sourceRef="Gateway_0odman6" targetRef="missingInformationRequest">
+      <bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=additionalCheck = true</bpmn:conditionExpression>
+    </bpmn:sequenceFlow>
   </bpmn:process>
   <bpmn:message id="Message_02eoed2" name="customer_accepts_offer">
     <bpmn:extensionElements>
@@ -336,7 +350,7 @@
   </bpmn:message>
   <bpmn:message id="Message_3m04392" name="customerInformation">
     <bpmn:extensionElements>
-      <zeebe:subscription correlationKey="=ticketId" />
+      <zeebe:subscription correlationKey="=customerId" />
     </bpmn:extensionElements>
   </bpmn:message>
   <bpmndi:BPMNDiagram id="BPMNDiagram_1">
@@ -345,72 +359,6 @@
         <dc:Bounds x="160" y="260" width="1840" height="450" />
         <bpmndi:BPMNLabel />
       </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="_BPMNShape_StartEvent_2" bpmnElement="loanRequested">
-        <dc:Bounds x="232" y="322" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="214" y="365" width="73" height="14" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Event_09ign1n_di" bpmnElement="Event_09ign1n">
-        <dc:Bounds x="1712" y="322" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="1709" y="365" width="43" height="27" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Event_0p71g2v_di" bpmnElement="Event_0p71g2v">
-        <dc:Bounds x="1492" y="322" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="1476" y="365" width="69" height="14" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Event_1ym330b_di" bpmnElement="Event_1ym330b">
-        <dc:Bounds x="1132" y="322" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="1116" y="365" width="70" height="14" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Event_18q7es1_di" bpmnElement="Event_06j7g8l">
-        <dc:Bounds x="1132" y="442" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="1108" y="485" width="84" height="40" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="BPMNShape_1j3x85n" bpmnElement="Event_1pq5rfu">
-        <dc:Bounds x="1492" y="442" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="1478" y="485" width="65" height="27" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Event_12a1edv_di" bpmnElement="Event_12a1edv">
-        <dc:Bounds x="1932" y="322" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="1921" y="365" width="61" height="27" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Activity_0p7ngle_di" bpmnElement="Activity_0neec1e">
-        <dc:Bounds x="1570" y="300" width="100" height="80" />
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Activity_10q25hr_di" bpmnElement="Activity_0ii025u">
-        <dc:Bounds x="1790" y="300" width="100" height="80" />
-        <bpmndi:BPMNLabel />
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Activity_13r0b41_di" bpmnElement="Activity_1qx00c8">
-        <dc:Bounds x="1210" y="300" width="100" height="80" />
-        <bpmndi:BPMNLabel />
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Event_12xvzj7_di" bpmnElement="customerInformationReceived">
-        <dc:Bounds x="652" y="452" width="36" height="36" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="643" y="495" width="55" height="40" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Activity_12tqpbh_di" bpmnElement="Activity_099dv3b">
-        <dc:Bounds x="510" y="430" width="100" height="80" />
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Activity_1p1ub97_di" bpmnElement="Activity_0ehz785">
-        <dc:Bounds x="960" y="300" width="100" height="80" />
-        <bpmndi:BPMNLabel />
-      </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Activity_0s873x6_di" bpmnElement="Activity_18spil4" isExpanded="true">
         <dc:Bounds x="1100" y="540" width="460" height="140" />
       </bpmndi:BPMNShape>
@@ -446,6 +394,12 @@
         <di:waypoint x="1450" y="610" />
         <di:waypoint x="1492" y="610" />
       </bpmndi:BPMNEdge>
+      <bpmndi:BPMNShape id="Event_12xvzj7_di" bpmnElement="customerInformationReceived">
+        <dc:Bounds x="652" y="452" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="643" y="495" width="55" height="40" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Activity_0ebp42o_di" bpmnElement="Activity_0ebp42o" isExpanded="false">
         <dc:Bounds x="1350" y="300" width="100" height="80" />
         <bpmndi:BPMNLabel />
@@ -453,40 +407,100 @@
       <bpmndi:BPMNShape id="Gateway_0odman6_di" bpmnElement="Gateway_0odman6" isMarkerVisible="true">
         <dc:Bounds x="465" y="315" width="50" height="50" />
         <bpmndi:BPMNLabel>
-          <dc:Bounds x="445.5" y="365.5" width="87" height="27" />
+          <dc:Bounds x="446" y="366" width="87" height="27" />
         </bpmndi:BPMNLabel>
       </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Activity_0lvzmsp_di" bpmnElement="ValidateDataAndCreateTicket">
-        <dc:Bounds x="840" y="300" width="100" height="80" />
-        <bpmndi:BPMNLabel />
-      </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Gateway_1i87sao_di" bpmnElement="Gateway_1i87sao" isMarkerVisible="true">
-        <dc:Bounds x="645" y="315" width="50" height="50" />
-      </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Gateway_0h8t0o8_di" bpmnElement="Gateway_0h8t0o8" isMarkerVisible="true">
         <dc:Bounds x="725" y="315" width="50" height="50" />
         <bpmndi:BPMNLabel>
           <dc:Bounds x="716" y="372" width="69" height="14" />
         </bpmndi:BPMNLabel>
       </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Gateway_1i87sao_di" bpmnElement="Gateway_1i87sao" isMarkerVisible="true">
+        <dc:Bounds x="645" y="315" width="50" height="50" />
+      </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Event_1rqfjrt_di" bpmnElement="Event_1c61boa">
         <dc:Bounds x="332" y="322" width="36" height="36" />
         <bpmndi:BPMNLabel>
           <dc:Bounds x="311" y="298" width="78" height="14" />
         </bpmndi:BPMNLabel>
       </bpmndi:BPMNShape>
-      <bpmndi:BPMNShape id="Event_0oxv702_di" bpmnElement="Event_0oxv702">
-        <dc:Bounds x="1412" y="362" width="36" height="36" />
+      <bpmndi:BPMNShape id="Event_09ign1n_di" bpmnElement="Event_09ign1n">
+        <dc:Bounds x="1712" y="322" width="36" height="36" />
         <bpmndi:BPMNLabel>
-          <dc:Bounds x="1351" y="393" width="58" height="14" />
+          <dc:Bounds x="1709" y="365" width="43" height="27" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Event_0p71g2v_di" bpmnElement="Event_0p71g2v">
+        <dc:Bounds x="1492" y="322" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="1476" y="365" width="69" height="14" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Event_1ym330b_di" bpmnElement="Event_1ym330b">
+        <dc:Bounds x="1132" y="322" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="1116" y="365" width="70" height="14" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Event_18q7es1_di" bpmnElement="Event_06j7g8l">
+        <dc:Bounds x="1132" y="442" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="1108" y="485" width="84" height="40" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="BPMNShape_1j3x85n" bpmnElement="Event_1pq5rfu">
+        <dc:Bounds x="1492" y="442" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="1478" y="485" width="65" height="27" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Activity_1p1ub97_di" bpmnElement="Activity_0ehz785">
+        <dc:Bounds x="960" y="300" width="100" height="80" />
+        <bpmndi:BPMNLabel />
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Event_12a1edv_di" bpmnElement="Event_12a1edv">
+        <dc:Bounds x="1932" y="322" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="1921" y="365" width="61" height="27" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="_BPMNShape_StartEvent_2" bpmnElement="loanRequested">
+        <dc:Bounds x="232" y="322" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="214" y="365" width="73" height="14" />
         </bpmndi:BPMNLabel>
       </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Activity_0p7ngle_di" bpmnElement="Activity_0neec1e">
+        <dc:Bounds x="1570" y="300" width="100" height="80" />
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Activity_0j6fkc3_di" bpmnElement="missingInformationRequest">
+        <dc:Bounds x="520" y="430" width="100" height="80" />
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Activity_10q25hr_di" bpmnElement="Activity_0ii025u">
+        <dc:Bounds x="1790" y="300" width="100" height="80" />
+        <bpmndi:BPMNLabel />
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Activity_13r0b41_di" bpmnElement="Activity_1qx00c8">
+        <dc:Bounds x="1210" y="300" width="100" height="80" />
+        <bpmndi:BPMNLabel />
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Activity_0lvzmsp_di" bpmnElement="ValidateDataAndCreateTicket">
+        <dc:Bounds x="840" y="300" width="100" height="80" />
+        <bpmndi:BPMNLabel />
+      </bpmndi:BPMNShape>
       <bpmndi:BPMNShape id="Event_0oi6owt_di" bpmnElement="Event_0oi6owt">
         <dc:Bounds x="1022" y="362" width="36" height="36" />
         <bpmndi:BPMNLabel>
           <dc:Bounds x="957" y="393" width="65" height="14" />
         </bpmndi:BPMNLabel>
       </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="Event_0oxv702_di" bpmnElement="Event_0oxv702">
+        <dc:Bounds x="1412" y="362" width="36" height="36" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="1351" y="393" width="58" height="14" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNShape>
       <bpmndi:BPMNEdge id="Flow_05vdl8x_di" bpmnElement="Flow_05vdl8x">
         <di:waypoint x="1748" y="340" />
         <di:waypoint x="1790" y="340" />
@@ -512,10 +526,22 @@
         <di:waypoint x="1670" y="340" />
         <di:waypoint x="1712" y="340" />
       </bpmndi:BPMNEdge>
+      <bpmndi:BPMNEdge id="Flow_0vnblrd_di" bpmnElement="Flow_0vnblrd">
+        <di:waypoint x="620" y="470" />
+        <di:waypoint x="652" y="470" />
+      </bpmndi:BPMNEdge>
+      <bpmndi:BPMNEdge id="Flow_145cnel_di" bpmnElement="Flow_145cnel">
+        <di:waypoint x="268" y="340" />
+        <di:waypoint x="332" y="340" />
+      </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_14mj0nw_di" bpmnElement="Flow_14mj0nw">
         <di:waypoint x="1310" y="340" />
         <di:waypoint x="1350" y="340" />
       </bpmndi:BPMNEdge>
+      <bpmndi:BPMNEdge id="Flow_1kp5g1n_di" bpmnElement="Flow_1kp5g1n">
+        <di:waypoint x="695" y="340" />
+        <di:waypoint x="725" y="340" />
+      </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_1nyx4yp_di" bpmnElement="Flow_1nyx4yp">
         <di:waypoint x="1168" y="340" />
         <di:waypoint x="1210" y="340" />
@@ -524,18 +550,23 @@
         <di:waypoint x="1450" y="340" />
         <di:waypoint x="1492" y="340" />
       </bpmndi:BPMNEdge>
+      <bpmndi:BPMNEdge id="Flow_1r4dbfu_di" bpmnElement="Flow_1r4dbfu">
+        <di:waypoint x="670" y="452" />
+        <di:waypoint x="670" y="365" />
+      </bpmndi:BPMNEdge>
+      <bpmndi:BPMNEdge id="Flow_1rybhfo_di" bpmnElement="Flow_1rybhfo">
+        <di:waypoint x="368" y="340" />
+        <di:waypoint x="465" y="340" />
+      </bpmndi:BPMNEdge>
+      <bpmndi:BPMNEdge id="Flow_1t0w6hs_di" bpmnElement="Flow_1t0w6hs">
+        <di:waypoint x="940" y="340" />
+        <di:waypoint x="960" y="340" />
+      </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_1ythlix_di" bpmnElement="Flow_1ythlix">
         <di:waypoint x="1430" y="398" />
         <di:waypoint x="1430" y="460" />
         <di:waypoint x="1492" y="460" />
       </bpmndi:BPMNEdge>
-      <bpmndi:BPMNEdge id="Flow_1uqps3a_di" bpmnElement="Flow_1uqps3a">
-        <di:waypoint x="775" y="340" />
-        <di:waypoint x="840" y="340" />
-        <bpmndi:BPMNLabel>
-          <dc:Bounds x="800" y="322" width="18" height="14" />
-        </bpmndi:BPMNLabel>
-      </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_12o7iz6_di" bpmnElement="Flow_12o7iz6">
         <di:waypoint x="750" y="315" />
         <di:waypoint x="750" y="290" />
@@ -552,38 +583,21 @@
           <dc:Bounds x="533" y="322" width="15" height="14" />
         </bpmndi:BPMNLabel>
       </bpmndi:BPMNEdge>
+      <bpmndi:BPMNEdge id="Flow_1uqps3a_di" bpmnElement="Flow_1uqps3a">
+        <di:waypoint x="775" y="340" />
+        <di:waypoint x="840" y="340" />
+        <bpmndi:BPMNLabel>
+          <dc:Bounds x="800" y="322" width="18" height="14" />
+        </bpmndi:BPMNLabel>
+      </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_1tykdw0_di" bpmnElement="Flow_1tykdw0">
         <di:waypoint x="490" y="365" />
         <di:waypoint x="490" y="470" />
-        <di:waypoint x="510" y="470" />
+        <di:waypoint x="520" y="470" />
         <bpmndi:BPMNLabel>
-          <dc:Bounds x="481" y="413" width="18" height="14" />
+          <dc:Bounds x="481" y="414" width="18" height="14" />
         </bpmndi:BPMNLabel>
       </bpmndi:BPMNEdge>
-      <bpmndi:BPMNEdge id="Flow_1r4dbfu_di" bpmnElement="Flow_1r4dbfu">
-        <di:waypoint x="670" y="452" />
-        <di:waypoint x="670" y="365" />
-      </bpmndi:BPMNEdge>
-      <bpmndi:BPMNEdge id="Flow_1t0w6hs_di" bpmnElement="Flow_1t0w6hs">
-        <di:waypoint x="940" y="340" />
-        <di:waypoint x="960" y="340" />
-      </bpmndi:BPMNEdge>
-      <bpmndi:BPMNEdge id="Flow_1kp5g1n_di" bpmnElement="Flow_1kp5g1n">
-        <di:waypoint x="695" y="340" />
-        <di:waypoint x="725" y="340" />
-      </bpmndi:BPMNEdge>
-      <bpmndi:BPMNEdge id="Flow_1rybhfo_di" bpmnElement="Flow_1rybhfo">
-        <di:waypoint x="368" y="340" />
-        <di:waypoint x="465" y="340" />
-      </bpmndi:BPMNEdge>
-      <bpmndi:BPMNEdge id="Flow_145cnel_di" bpmnElement="Flow_145cnel">
-        <di:waypoint x="268" y="340" />
-        <di:waypoint x="332" y="340" />
-      </bpmndi:BPMNEdge>
-      <bpmndi:BPMNEdge id="Flow_0yqe20b_di" bpmnElement="Flow_0yqe20b">
-        <di:waypoint x="610" y="470" />
-        <di:waypoint x="652" y="470" />
-      </bpmndi:BPMNEdge>
       <bpmndi:BPMNShape id="Participant_1vxij6s_di" bpmnElement="Participant_10cw3k9" isHorizontal="true">
         <dc:Bounds x="160" y="740" width="300" height="60" />
         <bpmndi:BPMNLabel />
@@ -600,6 +614,14 @@
         <dc:Bounds x="160" y="170" width="900" height="60" />
         <bpmndi:BPMNLabel />
       </bpmndi:BPMNShape>
+      <bpmndi:BPMNShape id="TextAnnotation_03dccbp_di" bpmnElement="TextAnnotation_03dccbp">
+        <dc:Bounds x="370" y="240" width="100" height="55" />
+        <bpmndi:BPMNLabel />
+      </bpmndi:BPMNShape>
+      <bpmndi:BPMNEdge id="Association_17i43s4_di" bpmnElement="Association_17i43s4">
+        <di:waypoint x="479" y="326" />
+        <di:waypoint x="453" y="295" />
+      </bpmndi:BPMNEdge>
       <bpmndi:BPMNEdge id="Flow_09zzeg7_di" bpmnElement="Flow_09zzeg7">
         <di:waypoint x="250" y="230" />
         <di:waypoint x="250" y="322" />
diff --git a/src/main/resources/calculate loan results.dmn b/src/main/resources/calculate loan results.dmn
index 14dc1b8..8e25500 100644
--- a/src/main/resources/calculate loan results.dmn	
+++ b/src/main/resources/calculate loan results.dmn	
@@ -1,12 +1,20 @@
 <?xml version="1.0" encoding="UTF-8"?>
-<definitions xmlns="https://www.omg.org/spec/DMN/20191111/MODEL/" xmlns:dmndi="https://www.omg.org/spec/DMN/20191111/DMNDI/" xmlns:dc="http://www.omg.org/spec/DMN/20180521/DC/" xmlns:modeler="http://camunda.org/schema/modeler/1.0" xmlns:camunda="http://camunda.org/schema/1.0/dmn" id="Definitions_1gz1vl1" name="DRD" namespace="http://camunda.org/schema/1.0/dmn" exporter="Camunda Modeler" exporterVersion="5.28.0" modeler:executionPlatform="Camunda Cloud" modeler:executionPlatformVersion="8.6.0" camunda:diagramRelationId="9b8f3cb1-3477-40d7-a895-20ef5c12a44e">
-  <decision id="calculate_loan_results_01uhf55" name="Calculate loan results">
+<definitions xmlns="https://www.omg.org/spec/DMN/20191111/MODEL/" xmlns:dmndi="https://www.omg.org/spec/DMN/20191111/DMNDI/" xmlns:dc="http://www.omg.org/spec/DMN/20180521/DC/" xmlns:modeler="http://camunda.org/schema/modeler/1.0" xmlns:di="http://www.omg.org/spec/DMN/20180521/DI/" xmlns:camunda="http://camunda.org/schema/1.0/dmn" id="calculate_loan_results_01uhf55" name="DRD" namespace="http://camunda.org/schema/1.0/dmn" exporter="Camunda Web Modeler" exporterVersion="ab01412" modeler:executionPlatform="Camunda Cloud" modeler:executionPlatformVersion="8.5.0" camunda:diagramRelationId="9b8f3cb1-3477-40d7-a895-20ef5c12a44e">
+  <decision id="Decision_tuystje" name="Calculate loan results">
+    <knowledgeRequirement id="KnowledgeRequirement_1xs3al3">
+      <requiredKnowledge href="#BusinessKnowledgeModel_1aw2sgz" />
+    </knowledgeRequirement>
     <decisionTable id="DecisionTable_13a7nar" hitPolicy="FIRST">
       <input id="InputClause_06gvv8y" label="credit score">
         <inputExpression id="LiteralExpression_1fq8pnd" typeRef="number">
           <text>creditScore</text>
         </inputExpression>
       </input>
+      <input id="InputClause_1q8wtsi" label="DTI_ratio">
+        <inputExpression id="LiteralExpression_0uu8pmb" typeRef="number">
+          <text>calculate_DTI_ratio(pi.monthly_debt, pi.annual_salary)</text>
+        </inputExpression>
+      </input>
       <input id="Input_1" label="requested amount">
         <inputExpression id="InputExpression_1" typeRef="number">
           <text>loan.amount</text>
@@ -24,6 +32,9 @@
         <inputEntry id="UnaryTests_1erdsqq">
           <text>&gt;800</text>
         </inputEntry>
+        <inputEntry id="UnaryTests_008gqwa">
+          <text>&lt;0.3</text>
+        </inputEntry>
         <inputEntry id="UnaryTests_1kp722v">
           <text>&lt;0.7*pi.annual_salary</text>
         </inputEntry>
@@ -44,6 +55,9 @@
         <inputEntry id="UnaryTests_1k6xl3m">
           <text>&gt;800</text>
         </inputEntry>
+        <inputEntry id="UnaryTests_1eh4mg7">
+          <text>&lt;0.4</text>
+        </inputEntry>
         <inputEntry id="UnaryTests_07g92ag">
           <text>&lt;0.9*pi.annual_salary</text>
         </inputEntry>
@@ -64,6 +78,9 @@
         <inputEntry id="UnaryTests_0ljpe6m">
           <text>[700..800]</text>
         </inputEntry>
+        <inputEntry id="UnaryTests_0fcfqb1">
+          <text>&lt;0.35</text>
+        </inputEntry>
         <inputEntry id="UnaryTests_18t1xdn">
           <text>&lt;0.5*pi.annual_salary</text>
         </inputEntry>
@@ -84,6 +101,9 @@
         <inputEntry id="UnaryTests_0d231aa">
           <text>[700..800]</text>
         </inputEntry>
+        <inputEntry id="UnaryTests_19sb2e6">
+          <text>&lt;0.45</text>
+        </inputEntry>
         <inputEntry id="UnaryTests_0zwu75n">
           <text>&lt;0.7*pi.annual_salary</text>
         </inputEntry>
@@ -104,6 +124,9 @@
         <inputEntry id="UnaryTests_0yltpbm">
           <text>[500..700)</text>
         </inputEntry>
+        <inputEntry id="UnaryTests_0ihld11">
+          <text>&lt;0.3</text>
+        </inputEntry>
         <inputEntry id="UnaryTests_1qbg7xd">
           <text>&lt;0.3*pi.annual_salary</text>
         </inputEntry>
@@ -124,6 +147,9 @@
         <inputEntry id="UnaryTests_1nazr0m">
           <text>[500..700)</text>
         </inputEntry>
+        <inputEntry id="UnaryTests_1jz04a8">
+          <text>&lt;0.4</text>
+        </inputEntry>
         <inputEntry id="UnaryTests_126y8s4">
           <text>&lt;0.5*pi.annual_salary</text>
         </inputEntry>
@@ -144,6 +170,9 @@
         <inputEntry id="UnaryTests_0yavggz">
           <text></text>
         </inputEntry>
+        <inputEntry id="UnaryTests_0a47vuz">
+          <text></text>
+        </inputEntry>
         <inputEntry id="UnaryTests_0mw3fr3">
           <text></text>
         </inputEntry>
@@ -162,11 +191,28 @@
       </rule>
     </decisionTable>
   </decision>
+  <businessKnowledgeModel id="BusinessKnowledgeModel_1aw2sgz" name="calculate_DTI_ratio">
+    <variable id="InformationItem_0k100vt" name="calculate_DTI_ratio" typeRef="number" />
+    <encapsulatedLogic id="FunctionDefinition_19u306s">
+      <formalParameter name="monthly_debt" typeRef="number" />
+      <formalParameter name="annual_salary" typeRef="number" />
+      <literalExpression id="LiteralExpression_1op02ud">
+        <text>{ "monthly_salary": annual_salary / 12,  "DTI_ratio": monthly_debt / monthly_salary }.DTI_ratio</text>
+      </literalExpression>
+    </encapsulatedLogic>
+  </businessKnowledgeModel>
   <dmndi:DMNDI>
     <dmndi:DMNDiagram>
-      <dmndi:DMNShape dmnElementRef="calculate_loan_results_01uhf55">
+      <dmndi:DMNShape dmnElementRef="Decision_tuystje">
         <dc:Bounds height="80" width="180" x="160" y="100" />
       </dmndi:DMNShape>
+      <dmndi:DMNEdge id="DMNEdge_0qb260n" dmnElementRef="KnowledgeRequirement_1xs3al3">
+        <di:waypoint x="250" y="337" />
+        <di:waypoint x="250" y="180" />
+      </dmndi:DMNEdge>
+      <dmndi:DMNShape id="DMNShape_0sidiu5" dmnElementRef="BusinessKnowledgeModel_1aw2sgz">
+        <dc:Bounds height="46" width="135" x="182" y="337" />
+      </dmndi:DMNShape>
     </dmndi:DMNDiagram>
   </dmndi:DMNDI>
 </definitions>
diff --git a/src/main/resources/loan application form.form b/src/main/resources/loan application form.form
index b2cac4a..33e8405 100644
--- a/src/main/resources/loan application form.form	
+++ b/src/main/resources/loan application form.form	
@@ -3,9 +3,9 @@
   "executionPlatformVersion": "8.5.0",
   "exporter": {
     "name": "Camunda Web Modeler",
-    "version": "74577ef"
+    "version": "1110f25"
   },
-  "schemaVersion": 16,
+  "schemaVersion": 17,
   "id": "Form_16l6p9i",
   "components": [
     {
@@ -19,6 +19,7 @@
       "id": "Field_0xctawe"
     },
     {
+      "label": "Address",
       "components": [
         {
           "label": "First name",
@@ -121,7 +122,6 @@
         }
       ],
       "showOutline": true,
-      "label": "Address",
       "type": "group",
       "layout": {
         "row": "Row_07hr9nq",
@@ -131,6 +131,7 @@
       "path": "address"
     },
     {
+      "label": "Contact",
       "components": [
         {
           "label": "Email",
@@ -175,7 +176,6 @@
         }
       ],
       "showOutline": true,
-      "label": "Contact",
       "type": "group",
       "layout": {
         "row": "Row_1704ab1",
@@ -185,6 +185,7 @@
       "path": "contact"
     },
     {
+      "label": "Personal Information",
       "components": [
         {
           "label": "Social Security Number",
@@ -195,7 +196,7 @@
           },
           "id": "Field_0t0pxlf",
           "key": "ssn",
-          "defaultValue": "134-31-1679"
+          "defaultValue": "134-23-4482"
         },
         {
           "subtype": "date",
@@ -212,6 +213,21 @@
             "required": false
           }
         },
+        {
+          "label": "Monthly Debt",
+          "type": "number",
+          "layout": {
+            "row": "Row_0afadec",
+            "columns": null
+          },
+          "id": "Field_1f3eyo8",
+          "key": "monthly_debt",
+          "increment": "1234",
+          "description": "Monthly fixed expenses",
+          "validate": {
+            "required": true
+          }
+        },
         {
           "label": "Annual Salary",
           "type": "number",
@@ -224,7 +240,7 @@
           "validate": {
             "required": true
           },
-          "defaultValue": 55200
+          "description": "Pre-tax"
         },
         {
           "label": "Current employer",
@@ -238,11 +254,10 @@
           "validate": {
             "required": true
           },
-          "defaultValue": "Styles and Speed Printing LLC."
+          "defaultValue": "Styles & Speed Printing LLC."
         }
       ],
       "showOutline": true,
-      "label": "Personal Information",
       "type": "group",
       "layout": {
         "row": "Row_1o2yh7x",
@@ -252,6 +267,7 @@
       "path": "pi"
     },
     {
+      "label": "Loan Information",
       "components": [
         {
           "label": "Amount requested",
@@ -295,7 +311,6 @@
         }
       ],
       "showOutline": true,
-      "label": "Loan Information",
       "type": "group",
       "layout": {
         "row": "Row_12f4rg9",
diff --git a/src/main/resources/loan underwriting form.form b/src/main/resources/loan underwriting form.form
index 40f0473..197cc48 100644
--- a/src/main/resources/loan underwriting form.form	
+++ b/src/main/resources/loan underwriting form.form	
@@ -3,7 +3,7 @@
   "executionPlatformVersion": "8.5.0",
   "exporter": {
     "name": "Camunda Web Modeler",
-    "version": "74577ef"
+    "version": "1110f25"
   },
   "schemaVersion": 16,
   "id": "Form_1a3j1g2",