Caution should be used when modifying default routing rules to ensure that no "gaps" are created and that any products that have routing that "overlaps" another product's routing are in the correct order and do not create undesired results.

 

The first pie chart illustrates how the default routing creates two mutually exclusive groups that together represent all auto loan applications.  There is no overlap because no single vehicle can be both "New" and "Used" and there is no gap because "New" + "Used" = all possible conditions.

 

 

The next pie chart illustrates what happens when the criteria for "New Auto" is customized to be more restrictive, but the criteria for "Used Auto" is unchanged.  The "Used Auto" product routing will not automatically pick up all applications for autos that do not meet the "New Auto" criteria.  If "Used Auto" routing is not updated, some applications will not meet the criteria for either product.  Those applications are represented in the pie chart below in green and are referred to as Routing Exceptions.

 

 

For example, an application for a New (i.e. never registered) Auto that has either 5,000+ miles or is a model year 2007 (or both) will not qualify as a "New Auto".  But because it has never been registered ("New") it will not qualify as "Used Auto" either.  This application will be a Routing Exception.

 

The third pie chart demonstrates how broadening the criteria for "Used Auto" routing can compensate for the new, narrower definition of "New Auto".  Technically, the new routing for "Used Auto" overlaps the routing of "New Auto".  This is an acceptable overlap because the intent is for "Used Auto" to pick up all applications for autos that do not meet the "New Auto" routing criteria.  Because "New Auto" come first in the routing sequence, any remaining applications for auto can be safely assumed to be "Used".

 

 

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