Sunia is a senior lending officer at the ANZ Bank. He would like to develop a model that predicts defaults in loan payment. He insists that his model must include both accounting information and non-accounting information. Required a) Decribe how Sunia could develop such a model based on the Brunswick lens. Your answer must consider the following issues: i. cue identification ii. expert identification iii. weights identification iv. model development v. model testing. (15 marks) b) Sunia confided in you that he often uses short-cuts to make a decision about whether to accept a loan application or not. Explain Sunia's behavior drawing on one of the decision making heuristics and suggesting how Sunia may use it. (5 marks)