<?xml version="1.0" encoding="UTF-8"?>
<bpmn:definitions xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:modeler="http://camunda.org/schema/modeler/1.0" id="Definitions_MeaningfulHumanDecision" targetNamespace="http://bpmn.io/schema/bpmn" exporter="Camunda Modeler" exporterVersion="5.36.0" modeler:executionPlatform="Camunda Cloud" modeler:executionPlatformVersion="8.7.0">
  <bpmn:process id="Process_MeaningfulHumanDecision" name="Meaningful human decision-making" isExecutable="false">
    <bpmn:startEvent id="StartEvent_Application" name="Application received">
      <bpmn:outgoing>Flow_StartToSplit</bpmn:outgoing>
    </bpmn:startEvent>
    <bpmn:parallelGateway id="Gateway_ParallelSplit">
      <bpmn:incoming>Flow_StartToSplit</bpmn:incoming>
      <bpmn:outgoing>Flow_SplitToAI</bpmn:outgoing>
      <bpmn:outgoing>Flow_SplitToRules</bpmn:outgoing>
    </bpmn:parallelGateway>
    <bpmn:serviceTask id="Activity_PrepareAssessment" name="AI gathers data, prepares application, summarises findings and flags potential issues">
      <bpmn:incoming>Flow_SplitToAI</bpmn:incoming>
      <bpmn:outgoing>Flow_AIToJoin</bpmn:outgoing>
    </bpmn:serviceTask>
    <bpmn:serviceTask id="Activity_CheckRules" name="Business rules check eligibility and mandatory controls">
      <bpmn:incoming>Flow_SplitToRules</bpmn:incoming>
      <bpmn:outgoing>Flow_RulesToJoin</bpmn:outgoing>
    </bpmn:serviceTask>
    <bpmn:parallelGateway id="Gateway_ParallelJoin">
      <bpmn:incoming>Flow_AIToJoin</bpmn:incoming>
      <bpmn:incoming>Flow_RulesToJoin</bpmn:incoming>
      <bpmn:outgoing>Flow_JoinToDecision</bpmn:outgoing>
    </bpmn:parallelGateway>
    <bpmn:userTask id="Activity_MakeDecision" name="Make independent decision">
      <bpmn:incoming>Flow_JoinToDecision</bpmn:incoming>
      <bpmn:outgoing>Flow_DecisionToOutcome</bpmn:outgoing>
    </bpmn:userTask>
    <bpmn:exclusiveGateway id="Gateway_Outcome" name="Approved?">
      <bpmn:incoming>Flow_DecisionToOutcome</bpmn:incoming>
      <bpmn:incoming>Flow_ReconsiderToOutcome</bpmn:incoming>
      <bpmn:outgoing>Flow_Approved</bpmn:outgoing>
      <bpmn:outgoing>Flow_Declined</bpmn:outgoing>
    </bpmn:exclusiveGateway>
    <bpmn:sendTask id="Activity_InformApproval" name="Inform applicant of approval">
      <bpmn:incoming>Flow_Approved</bpmn:incoming>
      <bpmn:outgoing>Flow_ApprovalToEnd</bpmn:outgoing>
    </bpmn:sendTask>
    <bpmn:endEvent id="EndEvent_Approved" name="Approved">
      <bpmn:incoming>Flow_ApprovalToEnd</bpmn:incoming>
    </bpmn:endEvent>
    <bpmn:sendTask id="Activity_ExplainDecline" name="Explain decline and next steps">
      <bpmn:incoming>Flow_Declined</bpmn:incoming>
      <bpmn:outgoing>Flow_DeclineToChallenge</bpmn:outgoing>
    </bpmn:sendTask>
    <bpmn:exclusiveGateway id="Gateway_Challenge" name="Challenge raised?">
      <bpmn:incoming>Flow_DeclineToChallenge</bpmn:incoming>
      <bpmn:outgoing>Flow_NoChallenge</bpmn:outgoing>
      <bpmn:outgoing>Flow_Challenge</bpmn:outgoing>
    </bpmn:exclusiveGateway>
    <bpmn:endEvent id="EndEvent_Closed" name="Case closed">
      <bpmn:incoming>Flow_NoChallenge</bpmn:incoming>
    </bpmn:endEvent>
    <bpmn:userTask id="Activity_Reconsider" name="Independent reconsideration">
      <bpmn:incoming>Flow_Challenge</bpmn:incoming>
      <bpmn:outgoing>Flow_ReconsiderToOutcome</bpmn:outgoing>
    </bpmn:userTask>
    <bpmn:textAnnotation id="TextAnnotation_Assessment">
      <bpmn:text>Explainable findings and flagged issues</bpmn:text>
    </bpmn:textAnnotation>
    <bpmn:textAnnotation id="TextAnnotation_Human">
      <bpmn:text>Context, time and authority to decide</bpmn:text>
    </bpmn:textAnnotation>
    <bpmn:association id="Association_Assessment" sourceRef="Activity_PrepareAssessment" targetRef="TextAnnotation_Assessment" />
    <bpmn:association id="Association_Human" sourceRef="Activity_MakeDecision" targetRef="TextAnnotation_Human" />
    <bpmn:sequenceFlow id="Flow_StartToSplit" sourceRef="StartEvent_Application" targetRef="Gateway_ParallelSplit" />
    <bpmn:sequenceFlow id="Flow_SplitToAI" sourceRef="Gateway_ParallelSplit" targetRef="Activity_PrepareAssessment" />
    <bpmn:sequenceFlow id="Flow_SplitToRules" sourceRef="Gateway_ParallelSplit" targetRef="Activity_CheckRules" />
    <bpmn:sequenceFlow id="Flow_AIToJoin" sourceRef="Activity_PrepareAssessment" targetRef="Gateway_ParallelJoin" />
    <bpmn:sequenceFlow id="Flow_RulesToJoin" sourceRef="Activity_CheckRules" targetRef="Gateway_ParallelJoin" />
    <bpmn:sequenceFlow id="Flow_JoinToDecision" sourceRef="Gateway_ParallelJoin" targetRef="Activity_MakeDecision" />
    <bpmn:sequenceFlow id="Flow_DecisionToOutcome" sourceRef="Activity_MakeDecision" targetRef="Gateway_Outcome" />
    <bpmn:sequenceFlow id="Flow_Approved" name="Yes" sourceRef="Gateway_Outcome" targetRef="Activity_InformApproval" />
    <bpmn:sequenceFlow id="Flow_ApprovalToEnd" sourceRef="Activity_InformApproval" targetRef="EndEvent_Approved" />
    <bpmn:sequenceFlow id="Flow_Declined" name="No" sourceRef="Gateway_Outcome" targetRef="Activity_ExplainDecline" />
    <bpmn:sequenceFlow id="Flow_DeclineToChallenge" sourceRef="Activity_ExplainDecline" targetRef="Gateway_Challenge" />
    <bpmn:sequenceFlow id="Flow_NoChallenge" name="No" sourceRef="Gateway_Challenge" targetRef="EndEvent_Closed" />
    <bpmn:sequenceFlow id="Flow_Challenge" name="Yes" sourceRef="Gateway_Challenge" targetRef="Activity_Reconsider" />
    <bpmn:sequenceFlow id="Flow_ReconsiderToOutcome" sourceRef="Activity_Reconsider" targetRef="Gateway_Outcome" />
  </bpmn:process>
  <bpmndi:BPMNDiagram id="BPMNDiagram_MeaningfulHumanDecision">
    <bpmndi:BPMNPlane id="BPMNPlane_MeaningfulHumanDecision" bpmnElement="Process_MeaningfulHumanDecision">
      <bpmndi:BPMNShape id="StartEvent_Application_di" bpmnElement="StartEvent_Application">
        <dc:Bounds x="32" y="232" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="8" y="275" width="84" height="27" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gateway_ParallelSplit_di" bpmnElement="Gateway_ParallelSplit">
        <dc:Bounds x="80" y="225" width="50" height="50" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Activity_PrepareAssessment_di" bpmnElement="Activity_PrepareAssessment">
        <dc:Bounds x="140" y="100" width="240" height="110" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Activity_CheckRules_di" bpmnElement="Activity_CheckRules">
        <dc:Bounds x="140" y="290" width="240" height="110" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gateway_ParallelJoin_di" bpmnElement="Gateway_ParallelJoin">
        <dc:Bounds x="395" y="225" width="50" height="50" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Activity_MakeDecision_di" bpmnElement="Activity_MakeDecision">
        <dc:Bounds x="470" y="195" width="200" height="110" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gateway_Outcome_di" bpmnElement="Gateway_Outcome" isMarkerVisible="true">
        <dc:Bounds x="695" y="225" width="50" height="50" />
        <bpmndi:BPMNLabel><dc:Bounds x="689" y="282" width="62" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Activity_InformApproval_di" bpmnElement="Activity_InformApproval">
        <dc:Bounds x="790" y="70" width="230" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="EndEvent_Approved_di" bpmnElement="EndEvent_Approved">
        <dc:Bounds x="1062" y="92" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="1055" y="135" width="51" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Activity_ExplainDecline_di" bpmnElement="Activity_ExplainDecline">
        <dc:Bounds x="790" y="300" width="230" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gateway_Challenge_di" bpmnElement="Gateway_Challenge" isMarkerVisible="true">
        <dc:Bounds x="1055" y="315" width="50" height="50" />
        <bpmndi:BPMNLabel><dc:Bounds x="1034" y="372" width="92" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="EndEvent_Closed_di" bpmnElement="EndEvent_Closed">
        <dc:Bounds x="1182" y="322" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="1168" y="365" width="64" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Activity_Reconsider_di" bpmnElement="Activity_Reconsider">
        <dc:Bounds x="790" y="440" width="230" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="TextAnnotation_Assessment_di" bpmnElement="TextAnnotation_Assessment">
        <dc:Bounds x="140" y="28" width="236" height="42" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="TextAnnotation_Human_di" bpmnElement="TextAnnotation_Human">
        <dc:Bounds x="470" y="56" width="196" height="52" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="Association_Assessment_di" bpmnElement="Association_Assessment"><di:waypoint x="260" y="100" /><di:waypoint x="260" y="70" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Association_Human_di" bpmnElement="Association_Human"><di:waypoint x="570" y="195" /><di:waypoint x="570" y="108" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_StartToSplit_di" bpmnElement="Flow_StartToSplit"><di:waypoint x="68" y="250" /><di:waypoint x="80" y="250" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_SplitToAI_di" bpmnElement="Flow_SplitToAI"><di:waypoint x="105" y="225" /><di:waypoint x="105" y="155" /><di:waypoint x="140" y="155" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_SplitToRules_di" bpmnElement="Flow_SplitToRules"><di:waypoint x="105" y="275" /><di:waypoint x="105" y="345" /><di:waypoint x="140" y="345" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_AIToJoin_di" bpmnElement="Flow_AIToJoin"><di:waypoint x="380" y="155" /><di:waypoint x="420" y="155" /><di:waypoint x="420" y="225" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_RulesToJoin_di" bpmnElement="Flow_RulesToJoin"><di:waypoint x="380" y="345" /><di:waypoint x="420" y="345" /><di:waypoint x="420" y="275" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_JoinToDecision_di" bpmnElement="Flow_JoinToDecision"><di:waypoint x="445" y="250" /><di:waypoint x="470" y="250" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_DecisionToOutcome_di" bpmnElement="Flow_DecisionToOutcome"><di:waypoint x="670" y="250" /><di:waypoint x="695" y="250" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_Approved_di" bpmnElement="Flow_Approved"><di:waypoint x="720" y="225" /><di:waypoint x="720" y="110" /><di:waypoint x="790" y="110" /><bpmndi:BPMNLabel><dc:Bounds x="747" y="92" width="18" height="14" /></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_ApprovalToEnd_di" bpmnElement="Flow_ApprovalToEnd"><di:waypoint x="1020" y="110" /><di:waypoint x="1062" y="110" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_Declined_di" bpmnElement="Flow_Declined"><di:waypoint x="720" y="275" /><di:waypoint x="720" y="340" /><di:waypoint x="790" y="340" /><bpmndi:BPMNLabel><dc:Bounds x="747" y="322" width="14" height="14" /></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_DeclineToChallenge_di" bpmnElement="Flow_DeclineToChallenge"><di:waypoint x="1020" y="340" /><di:waypoint x="1055" y="340" /></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_NoChallenge_di" bpmnElement="Flow_NoChallenge"><di:waypoint x="1105" y="340" /><di:waypoint x="1182" y="340" /><bpmndi:BPMNLabel><dc:Bounds x="1138" y="322" width="14" height="14" /></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_Challenge_di" bpmnElement="Flow_Challenge"><di:waypoint x="1080" y="365" /><di:waypoint x="1080" y="480" /><di:waypoint x="1020" y="480" /><bpmndi:BPMNLabel><dc:Bounds x="1087" y="409" width="18" height="14" /></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_ReconsiderToOutcome_di" bpmnElement="Flow_ReconsiderToOutcome"><di:waypoint x="790" y="480" /><di:waypoint x="720" y="480" /><di:waypoint x="720" y="275" /></bpmndi:BPMNEdge>
    </bpmndi:BPMNPlane>
  </bpmndi:BPMNDiagram>
</bpmn:definitions>
