Abstract: Aspects of the invention may include an exemplary system comprising one or more computers and one or more software applications running on the one or more computers, wherein the one or more software applications quantify the decision and the one or more computers may include a user computer or a computer server. The system further comprises one or more electronic databases, connected to the one or more computers, storing different factor values used in quantifying the decision. The one or more software applications may identify each risk factor in the multiple risk environment and determine a value for one or more risk coefficient factors and opportunity coefficient factors.