This simulation is a Business Process Model representing how clients at a bank apply for credit. An application can be submitted online or in person, and is then processed and assessed based on various criteria before a final determination is made.
Applications can either be accepted, denied, or time out if the system takes too long to process it.
Each stage of the application takes different amounts of time to complete, and requires bank employees to review. The "delay.js" and "service.js" behaviors are responsible for those actions, respectively. Since there are a limited number of employees, backlogs in the system will be built up as applications are waiting to be serviced.