A compromise between complete specialization (Model 3-2) and complete generalization (Model 3-3) of work might be for Alf e and Betty to form a two-unit resource, each unit of which would check credit and prepare the covenant for a loan application. The application would then move on to a second two-unit resource (Chuck and Doris), each unit of which would price the loan and disburse the funds. This would require less investment in cross-training all four employees for all four tasks (each employee would have to do two tasks for each loan). Run this compromise model under the same conditions as for Models 3-2 and