You are employed as a business analyst in the mortgage company, and it is your job first to describe how the busines process is handled today, and then suggest how it can be done more efficiently. Use flow$-$chart diagrams to model and briefly describe each activity in the processes, if the activity is handled by humans or is handled automatically. Show how and where the elements of the BPMN$2\mathrm{.}0$ could be used, including swimlanes. In each, show the indicative input and output of activity elements. And identify two ways of improving efficiency so the company can handle increased requests.