After a claim is submitted, it is examined by a claims officer who then writes a settlement recommendation. This recommendation is then checked by a senior claims officer who may mark the claim as LEGAL or FRAUDULENT CLAIM. If the claim is marked as FRAUDULENT CLAIM, it is sent back to the claims officer and the recommendation is repeated. If the claim is LEGAL, the claim handling process proceeds. Provide the optimal fragment of a business process model for insurance claims with comments