Lubbock National Bank processes loan applications through two clerks set up in series. The first clerk checks that the applicant has a proven track record of paying their loans which includes loan and credit information. Traditionally she has approved $90\%$ her applications. The second clerk assembles and compiles documents for loan closings, such as title abstracts$,$ insurance forms, loan forms, and tax receipts and he has a $90\%$ chance of finding a mistake with these documents that prevents the loan to go through What is the Reliability of this loan process system?