Underwriters have appropriate skills and training, including on mental health where relevant, and do not make decisions until they have shown technical competence and a grasp of the laws that apply (anti-discrimination law among them), of the Code and of CALI's standards. During assessment they draw on professional advice from medical specialists, accountants and other disciplines when needed.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.