Problem: Another approach is to directly consider how the model will be used - you can order the loans in descending order of prob(fully-paid). Then, you can consider starting with the loans which are most likely to be fully-paid and go down this list till the point where overall profits begin to decline (as discussed in class). Conduct an analyses to determine what threshold/cutoff value of prob(fully-paid) you will use and what is the total profit from different models. Also compare the total profits from using a model to that from investing in the safe CDs. Explain your analyses and calculations.