Staging Rules

flowchart TD
A(Determine Stage) -->
B[Is A/c in Basel II Default?] 
B --> |No| C[Is CRS 1-11?]
B --> |Yes| D{Stage 3}
C --> |No| E[Is CRS=98 and not in Basel II default?]
C --> |Yes| K{Stage 1}
E --> |No| G[Is Account DPD >=30 Days?]
E --> |Yes| F{Stage 2}
G --> |No| H[Is Customer 'Watch'?]
G --> |Yes| F{Stage 2}
H --> |No| I[Is CRS 21 - 23?]
H --> |Yes| F{Stage 2}
I --> |No| J[Is Account 'Retail' or was Customer Behaviourally Scored?]
I --> |Yes| F{Stage 2}
J --> |No| L[Is CRS 0 or 97? Unrated]
J --> |Yes| K{Stage 1}
L --> |No| M[Is CRS 12 - 15?]
L --> |Yes| K{Stage 1}
M --> |No| O[Is CRS 16 - 20?]
M --> |Yes| P[Is Current CRS - Orig CRS + Model Adj >= 2?]
P --> |No| Q{Stage 1}
P --> |Yes| R{Stage 2}
O --> S[Is Current CRS - Orig CRS + Model Adj >= 1?]
S --> |No| T{Stage 1}
S --> |Yes| U{Stage 2}