By bundling publicly available information combined with confidential information gleaned from credit bureaus, IRS record and more, all of which is required by the Federal Government, we dramatically reduce the documentation burden on the Applicant, while simultaneously reducing the burden for the state intake worker on both new applicants and renewals, reducing the decision time from weeks or months to minutes. In addition, we have added an “exit ramp” for those who no longer qualify, based on the demand for redetermination. This exit ramp offers the user the ability for us to transfer their data to another exchange to avoid any lapse in coverage.