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FICO views Basel II as an opportunity for lenders, not just a requirement. With its expertise in providing Basel II support, FICO guides institutions with compliance solutions that simultaneously open paths to competitive advantage and higher profits. Lenders turn to FICO for a variety of Basel services: Model Development to lower capital allocation requirements; Analytics to ensure models withstand macroeconomic cyclicality; Advanced Rules Management to execute Basel models for improved customer decisions; and Basel Consulting to meet the "Use-Test" requirement.