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8 – Obfuscationneeds, resulting in requests for different views of the same aggregated data,which increases your maintenance footprint.Within the HomeLending database, aggregation may be beneficial in thecollection of the borrower's liabilities. The current design of theBorrower_Liability table requires the capture of the monthly paymentamount and remaining balance. As shown in Figure 8-2, theBorrower_Liability table is related to the Liability_Account table,which reveals the creditor and account number of the liability.Figure 8-2: The Borrower_Liability and Liability_Account Tables.An alternate approach would be to dispose of the Liability_Account tableand simply capture a single record for the loan application, indicating the sumof their monthly payments and remaining balances for all liabilities, as shownin Figure 8-3.Figure 8-3: Alternate approach for Borrower_Liability table.This level of detail would suffice for most users of this database and wouldprotect this sensitive information from being inappropriately disclosed. TheUnderwriters, who may need access to the detailed liability data forqualification purposes, would refer to the credit report data, which is stored in aseparate database, to determine whether or not the borrower can be approvedfor the loan.186