Ch14 Sol2: score-job exclusion spiral and the record intervention

Ch14 Sol2: score-job exclusion spiral and the record intervention A lifecycle diagram generated by Archify. The spiral Intervention Terminal exits Stable · good worker, good score · The spiral · baseline 01 Stable good worker, good score baseline Shock · bad luck, no fault · The spiral · illness, job loss 02 Shock bad luck, no fault illness, job loss Missed payments · income falls short · The spiral · arrears 03 Missed payments income falls short arrears Lower score · score sinks · The spiral · damaged number 04 Lower score score sinks damaged number Less hirable · filter rejects · The spiral · threshold gate 05 Less hirable filter rejects threshold gate Read the record · experience over score · Intervention · intervention Read the record experience over score intervention Excluded · shut out of jobs + services · Terminal exits · terminal Excluded shut out of jobs + services terminal job loss, illness income falls short score suffers hiring filter missed again no appeal ignore sub-threshold hired on history Legend initial state active failure / exit neutral final state