Insurance claim from first notice of loss to settlement

Property or motor claim lifecycle: FNOL registration, policy-cover verification with declination, fraud-risk scoring with referral to the special investigations unit, document collection and damage inspection in parallel, quantum assessment and reserving, a settlement offer with a negotiation loop, and payment. Four lanes and seven message flows with the claimant.
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<?xml version="1.0" encoding="UTF-8"?>
<bpmn:definitions xmlns:bpmn="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" id="Process_InsuranceClaim_defs" targetNamespace="http://flowss.ai/bpmn">
  <bpmn:message id="Msg_LossReport" name="Loss report"/>
  <bpmn:process id="Process_InsuranceClaim" name="Insurance claim" isExecutable="false">
    <bpmn:documentation>Claims lifecycle from first notice of loss (FNOL) to settlement. Cover is verified before any investigation spend. A business-rule task scores fraud risk; high-risk claims go to the special investigations unit (SIU), which either clears them back into normal handling or repudiates them. Supporting documents and the loss adjuster's inspection run in parallel before quantum is assessed and a reserve set. A disputed offer is reviewed and re-issued until it is accepted, then paid.</bpmn:documentation>
    <bpmn:laneSet id="Process_InsuranceClaim_lanes">
      <bpmn:lane id="Lane_Intake" name="Claims intake"><bpmn:flowNodeRef>Start_FNOL</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Register</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_VerifyCover</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Covered</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Decline</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Declined</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_Handler" name="Claims handler"><bpmn:flowNodeRef>Task_FraudScore</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Fraud</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_HandleMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_EvidenceFork</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_RequestDocs</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_ReceiveDocs</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Inspect</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_EvidenceJoin</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Quantum</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_OfferMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Offer</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Response</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Accepted</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Negotiate</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_SIU" name="Special investigations"><bpmn:flowNodeRef>Task_Investigate</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_FraudConfirmed</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Repudiate</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Repudiated</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_Payments" name="Claims payments"><bpmn:flowNodeRef>Task_Pay</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Settled</bpmn:flowNodeRef></bpmn:lane>
    </bpmn:laneSet>
    <bpmn:startEvent id="Start_FNOL" name="Loss reported"><bpmn:messageEventDefinition id="Start_FNOL_ed" messageRef="Msg_LossReport"/></bpmn:startEvent>
    <bpmn:userTask id="Task_Register" name="Register first notice of loss"/>
    <bpmn:serviceTask id="Task_VerifyCover" name="Verify policy cover"/>
    <bpmn:exclusiveGateway id="Gw_Covered" name="Covered?" default="Flow_5"/>
    <bpmn:sendTask id="Task_Decline" name="Send declination letter"/>
    <bpmn:endEvent id="End_Declined" name="Claim declined"/>
    <bpmn:businessRuleTask id="Task_FraudScore" name="Score fraud risk"/>
    <bpmn:exclusiveGateway id="Gw_Fraud" name="Fraud indicators?" default="Flow_8"/>
    <bpmn:userTask id="Task_Investigate" name="Investigate claim"/>
    <bpmn:exclusiveGateway id="Gw_FraudConfirmed" name="Fraud confirmed?" default="Flow_11"/>
    <bpmn:userTask id="Task_Repudiate" name="Repudiate and refer to legal"/>
    <bpmn:endEvent id="End_Repudiated" name="Claim repudiated"/>
    <bpmn:exclusiveGateway id="Gw_HandleMerge"/>
    <bpmn:parallelGateway id="Gw_EvidenceFork"/>
    <bpmn:sendTask id="Task_RequestDocs" name="Request supporting documents"/>
    <bpmn:receiveTask id="Task_ReceiveDocs" name="Receive documents"/>
    <bpmn:userTask id="Task_Inspect" name="Inspect damage (loss adjuster)"/>
    <bpmn:parallelGateway id="Gw_EvidenceJoin"/>
    <bpmn:userTask id="Task_Quantum" name="Assess quantum and set reserve"/>
    <bpmn:exclusiveGateway id="Gw_OfferMerge"/>
    <bpmn:sendTask id="Task_Offer" name="Issue settlement offer"/>
    <bpmn:receiveTask id="Task_Response" name="Receive claimant response"/>
    <bpmn:exclusiveGateway id="Gw_Accepted" name="Offer accepted?" default="Flow_25"/>
    <bpmn:userTask id="Task_Negotiate" name="Review dispute and revise offer"/>
    <bpmn:serviceTask id="Task_Pay" name="Pay settlement"/>
    <bpmn:endEvent id="End_Settled" name="Claim settled"/>
    <bpmn:sequenceFlow id="Flow_1" sourceRef="Start_FNOL" targetRef="Task_Register"/>
    <bpmn:sequenceFlow id="Flow_2" sourceRef="Task_Register" targetRef="Task_VerifyCover"/>
    <bpmn:sequenceFlow id="Flow_3" sourceRef="Task_VerifyCover" targetRef="Gw_Covered"/>
    <bpmn:sequenceFlow id="Flow_4" name="not covered" sourceRef="Gw_Covered" targetRef="Task_Decline"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=covered = false</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_5" name="covered" sourceRef="Gw_Covered" targetRef="Task_FraudScore"/>
    <bpmn:sequenceFlow id="Flow_6" sourceRef="Task_Decline" targetRef="End_Declined"/>
    <bpmn:sequenceFlow id="Flow_7" sourceRef="Task_FraudScore" targetRef="Gw_Fraud"/>
    <bpmn:sequenceFlow id="Flow_8" name="low risk" sourceRef="Gw_Fraud" targetRef="Gw_HandleMerge"/>
    <bpmn:sequenceFlow id="Flow_9" name="high risk" sourceRef="Gw_Fraud" targetRef="Task_Investigate"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=fraudRisk = "high"</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_10" sourceRef="Task_Investigate" targetRef="Gw_FraudConfirmed"/>
    <bpmn:sequenceFlow id="Flow_11" name="no" sourceRef="Gw_FraudConfirmed" targetRef="Gw_HandleMerge"/>
    <bpmn:sequenceFlow id="Flow_12" name="yes" sourceRef="Gw_FraudConfirmed" targetRef="Task_Repudiate"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=fraudConfirmed</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_13" sourceRef="Task_Repudiate" targetRef="End_Repudiated"/>
    <bpmn:sequenceFlow id="Flow_14" sourceRef="Gw_HandleMerge" targetRef="Gw_EvidenceFork"/>
    <bpmn:sequenceFlow id="Flow_15" sourceRef="Gw_EvidenceFork" targetRef="Task_RequestDocs"/>
    <bpmn:sequenceFlow id="Flow_16" sourceRef="Gw_EvidenceFork" targetRef="Task_Inspect"/>
    <bpmn:sequenceFlow id="Flow_17" sourceRef="Task_RequestDocs" targetRef="Task_ReceiveDocs"/>
    <bpmn:sequenceFlow id="Flow_18" sourceRef="Task_ReceiveDocs" targetRef="Gw_EvidenceJoin"/>
    <bpmn:sequenceFlow id="Flow_19" sourceRef="Task_Inspect" targetRef="Gw_EvidenceJoin"/>
    <bpmn:sequenceFlow id="Flow_20" sourceRef="Gw_EvidenceJoin" targetRef="Task_Quantum"/>
    <bpmn:sequenceFlow id="Flow_21" sourceRef="Task_Quantum" targetRef="Gw_OfferMerge"/>
    <bpmn:sequenceFlow id="Flow_22" sourceRef="Gw_OfferMerge" targetRef="Task_Offer"/>
    <bpmn:sequenceFlow id="Flow_23" sourceRef="Task_Offer" targetRef="Task_Response"/>
    <bpmn:sequenceFlow id="Flow_24" sourceRef="Task_Response" targetRef="Gw_Accepted"/>
    <bpmn:sequenceFlow id="Flow_25" name="disputed" sourceRef="Gw_Accepted" targetRef="Task_Negotiate"/>
    <bpmn:sequenceFlow id="Flow_26" name="accepted" sourceRef="Gw_Accepted" targetRef="Task_Pay"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=offerAccepted</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_27" sourceRef="Task_Negotiate" targetRef="Gw_OfferMerge"/>
    <bpmn:sequenceFlow id="Flow_28" sourceRef="Task_Pay" targetRef="End_Settled"/>
  </bpmn:process>
  <bpmn:collaboration id="Process_InsuranceClaim_collab">
    <bpmn:participant id="Process_InsuranceClaim_pool" name="Insurer — claims" processRef="Process_InsuranceClaim"/>
    <bpmn:participant id="Participant_Claimant" name="Claimant"/>
    <bpmn:messageFlow id="MsgFlow_Loss" name="Loss report" sourceRef="Participant_Claimant" targetRef="Start_FNOL"/>
    <bpmn:messageFlow id="MsgFlow_Declination" name="Declination letter" sourceRef="Task_Decline" targetRef="Participant_Claimant"/>
    <bpmn:messageFlow id="MsgFlow_DocRequest" name="Document request" sourceRef="Task_RequestDocs" targetRef="Participant_Claimant"/>
    <bpmn:messageFlow id="MsgFlow_Docs" name="Photos, invoices and reports" sourceRef="Participant_Claimant" targetRef="Task_ReceiveDocs"/>
    <bpmn:messageFlow id="MsgFlow_Offer" name="Settlement offer" sourceRef="Task_Offer" targetRef="Participant_Claimant"/>
    <bpmn:messageFlow id="MsgFlow_Response" name="Acceptance or dispute" sourceRef="Participant_Claimant" targetRef="Task_Response"/>
    <bpmn:messageFlow id="MsgFlow_Payment" name="Settlement payment" sourceRef="Task_Pay" targetRef="Participant_Claimant"/>
  </bpmn:collaboration>
  <bpmndi:BPMNDiagram id="Process_InsuranceClaim_di">
    <bpmndi:BPMNPlane id="Process_InsuranceClaim_plane" bpmnElement="Process_InsuranceClaim_collab">
      <bpmndi:BPMNShape id="Process_InsuranceClaim_pool_di" bpmnElement="Process_InsuranceClaim_pool" isHorizontal="true"><dc:Bounds x="160" y="200" width="2898" height="750"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Intake_di" bpmnElement="Lane_Intake" isHorizontal="true"><dc:Bounds x="190" y="200" width="2868" height="150"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Handler_di" bpmnElement="Lane_Handler" isHorizontal="true"><dc:Bounds x="190" y="350" width="2868" height="300"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_SIU_di" bpmnElement="Lane_SIU" isHorizontal="true"><dc:Bounds x="190" y="650" width="2868" height="150"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Payments_di" bpmnElement="Lane_Payments" isHorizontal="true"><dc:Bounds x="190" y="800" width="2868" height="150"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Participant_Claimant_di" bpmnElement="Participant_Claimant" isHorizontal="true"><dc:Bounds x="160" y="60" width="2898" height="60"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Start_FNOL_di" bpmnElement="Start_FNOL"><dc:Bounds x="262" y="257" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="245" y="298" width="70" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Register_di" bpmnElement="Task_Register"><dc:Bounds x="380" y="235" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_VerifyCover_di" bpmnElement="Task_VerifyCover"><dc:Bounds x="530" y="235" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_Covered_di" bpmnElement="Gw_Covered" isMarkerVisible="true"><dc:Bounds x="705" y="250" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="705" y="231" width="50" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Decline_di" bpmnElement="Task_Decline"><dc:Bounds x="830" y="235" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Declined_di" bpmnElement="End_Declined"><dc:Bounds x="1012" y="257" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="993" y="298" width="75" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_FraudScore_di" bpmnElement="Task_FraudScore"><dc:Bounds x="830" y="390" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_Fraud_di" bpmnElement="Gw_Fraud" isMarkerVisible="true"><dc:Bounds x="1005" y="405" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="987" y="386" width="87" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Investigate_di" bpmnElement="Task_Investigate"><dc:Bounds x="1130" y="685" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_FraudConfirmed_di" bpmnElement="Gw_FraudConfirmed" isMarkerVisible="true"><dc:Bounds x="1305" y="700" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="1286" y="755" width="89" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Repudiate_di" bpmnElement="Task_Repudiate"><dc:Bounds x="1430" y="685" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Repudiated_di" bpmnElement="End_Repudiated"><dc:Bounds x="1612" y="707" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1587" y="748" width="86" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_HandleMerge_di" bpmnElement="Gw_HandleMerge" isMarkerVisible="true"><dc:Bounds x="1305" y="405" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_EvidenceFork_di" bpmnElement="Gw_EvidenceFork"><dc:Bounds x="1455" y="405" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_RequestDocs_di" bpmnElement="Task_RequestDocs"><dc:Bounds x="1580" y="390" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_ReceiveDocs_di" bpmnElement="Task_ReceiveDocs"><dc:Bounds x="1730" y="390" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Inspect_di" bpmnElement="Task_Inspect"><dc:Bounds x="1580" y="520" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_EvidenceJoin_di" bpmnElement="Gw_EvidenceJoin"><dc:Bounds x="1905" y="405" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Quantum_di" bpmnElement="Task_Quantum"><dc:Bounds x="2030" y="390" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_OfferMerge_di" bpmnElement="Gw_OfferMerge" isMarkerVisible="true"><dc:Bounds x="2205" y="405" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Offer_di" bpmnElement="Task_Offer"><dc:Bounds x="2330" y="390" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Response_di" bpmnElement="Task_Response"><dc:Bounds x="2480" y="390" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_Accepted_di" bpmnElement="Gw_Accepted" isMarkerVisible="true"><dc:Bounds x="2655" y="405" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="2640" y="386" width="81" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Negotiate_di" bpmnElement="Task_Negotiate"><dc:Bounds x="2630" y="520" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Pay_di" bpmnElement="Task_Pay"><dc:Bounds x="2780" y="835" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Settled_di" bpmnElement="End_Settled"><dc:Bounds x="2962" y="857" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2947" y="898" width="66" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="Flow_1_di" bpmnElement="Flow_1"><di:waypoint x="298" y="275"/><di:waypoint x="380" y="275"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_2_di" bpmnElement="Flow_2"><di:waypoint x="480" y="275"/><di:waypoint x="530" y="275"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_3_di" bpmnElement="Flow_3"><di:waypoint x="630" y="275"/><di:waypoint x="705" y="275"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_4_di" bpmnElement="Flow_4"><di:waypoint x="755" y="275"/><di:waypoint x="830" y="275"/><bpmndi:BPMNLabel><dc:Bounds x="761" y="256" width="60" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_5_di" bpmnElement="Flow_5"><di:waypoint x="730" y="300"/><di:waypoint x="730" y="430"/><di:waypoint x="830" y="430"/><bpmndi:BPMNLabel><dc:Bounds x="736" y="303" width="42" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_6_di" bpmnElement="Flow_6"><di:waypoint x="930" y="275"/><di:waypoint x="1012" y="275"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_7_di" bpmnElement="Flow_7"><di:waypoint x="930" y="430"/><di:waypoint x="1005" y="430"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_8_di" bpmnElement="Flow_8"><di:waypoint x="1055" y="430"/><di:waypoint x="1305" y="430"/><bpmndi:BPMNLabel><dc:Bounds x="1061" y="411" width="39" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_9_di" bpmnElement="Flow_9"><di:waypoint x="1030" y="455"/><di:waypoint x="1030" y="725"/><di:waypoint x="1130" y="725"/><bpmndi:BPMNLabel><dc:Bounds x="1036" y="458" width="43" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_10_di" bpmnElement="Flow_10"><di:waypoint x="1230" y="725"/><di:waypoint x="1305" y="725"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_11_di" bpmnElement="Flow_11"><di:waypoint x="1330" y="700"/><di:waypoint x="1330" y="455"/><bpmndi:BPMNLabel><dc:Bounds x="1336" y="681" width="15" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_12_di" bpmnElement="Flow_12"><di:waypoint x="1355" y="725"/><di:waypoint x="1430" y="725"/><bpmndi:BPMNLabel><dc:Bounds x="1361" y="706" width="20" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_13_di" bpmnElement="Flow_13"><di:waypoint x="1530" y="725"/><di:waypoint x="1612" y="725"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_14_di" bpmnElement="Flow_14"><di:waypoint x="1355" y="430"/><di:waypoint x="1455" y="430"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_15_di" bpmnElement="Flow_15"><di:waypoint x="1505" y="430"/><di:waypoint x="1580" y="430"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_16_di" bpmnElement="Flow_16"><di:waypoint x="1480" y="455"/><di:waypoint x="1480" y="560"/><di:waypoint x="1580" y="560"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_17_di" bpmnElement="Flow_17"><di:waypoint x="1680" y="430"/><di:waypoint x="1730" y="430"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_18_di" bpmnElement="Flow_18"><di:waypoint x="1830" y="430"/><di:waypoint x="1905" y="430"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_19_di" bpmnElement="Flow_19"><di:waypoint x="1680" y="560"/><di:waypoint x="1930" y="560"/><di:waypoint x="1930" y="455"/></bpmndi:BPMNEdge>
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      <bpmndi:BPMNEdge id="Flow_21_di" bpmnElement="Flow_21"><di:waypoint x="2130" y="430"/><di:waypoint x="2205" y="430"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_22_di" bpmnElement="Flow_22"><di:waypoint x="2255" y="430"/><di:waypoint x="2330" y="430"/></bpmndi:BPMNEdge>
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      <bpmndi:BPMNEdge id="Flow_28_di" bpmnElement="Flow_28"><di:waypoint x="2880" y="875"/><di:waypoint x="2962" y="875"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Loss_di" bpmnElement="MsgFlow_Loss"><di:waypoint x="280" y="120"/><di:waypoint x="280" y="257"/><bpmndi:BPMNLabel><dc:Bounds x="286" y="153" width="58" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Declination_di" bpmnElement="MsgFlow_Declination"><di:waypoint x="880" y="235"/><di:waypoint x="880" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="886" y="153" width="84" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_DocRequest_di" bpmnElement="MsgFlow_DocRequest"><di:waypoint x="1630" y="390"/><di:waypoint x="1630" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="1636" y="153" width="92" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Docs_di" bpmnElement="MsgFlow_Docs"><di:waypoint x="1780" y="120"/><di:waypoint x="1780" y="390"/><bpmndi:BPMNLabel><dc:Bounds x="1786" y="146" width="83" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Offer_di" bpmnElement="MsgFlow_Offer"><di:waypoint x="2380" y="390"/><di:waypoint x="2380" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="2386" y="153" width="80" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Response_di" bpmnElement="MsgFlow_Response"><di:waypoint x="2530" y="120"/><di:waypoint x="2530" y="390"/><bpmndi:BPMNLabel><dc:Bounds x="2536" y="146" width="73" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Payment_di" bpmnElement="MsgFlow_Payment"><di:waypoint x="2860" y="835"/><di:waypoint x="2860" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="2866" y="146" width="55" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
    </bpmndi:BPMNPlane>
  </bpmndi:BPMNDiagram>
</bpmn:definitions>