The underwriting department of the Daily Insurance Company uses a type of software that automatically applies rules to available data. This software allows Daily to engage in exception$-$based underwriting for certain products. The system automatically accepts insurance applications that meet certain well$-$defined criteria, and refers to an underwriter any application that exceeds the defined limits$.$ The type of software Daily uses to evaluate application data is

an electronic application system

a factor table

an extra$-$percentage table

a business rules engine $($BRE$)$