Abstract: A method and system for determining a useful life of financial instruments, such as financial assets and liabilities. A dynamic calculation of a first retention rate is performed for each of several financial assets; a steady-state calculation of a second retention rate is performed for the financial assets; and the first and second retention rates are combined to determine a predicted useful life of the combined financial assets. Optionally, one of several variables affecting at least one of the retention rates is selected. A sensitivity of financial asset variables to other financial asset variables is determined. Scenarios are forecast, extrapolated from the retention rate. The financial assets may include deposits and/or financial instruments. Outliers in the financial assets may be checked, in one variation of the invention. Exogenous variables may be included in at least one of the calculations.

Abstract: The present invention includes a software system for developing a values-based, behavior-driven human resources system for at least one organization that includes a plurality of personnel. The software system includes a first software program that is operable to receive at least one input and generate at least one values-based, behavior-driven business factor based on the at least one input and a first sub-program operable to receive the at least one values-based, behavior-driven business factor and generate at least one output based on said at least one business factor and communicate the at least one output to the personnel.