
    Determine the number of different ways to organize credit risk assessment criteria into distinct evaluation groups for loan applications, where each criterion must be assigned to exactly one group and the same set of groupings in any order is considered identical. Given n different risk assessment factors (such as income, credit score, debt ratio), calculate how many unique ways these factors can be partitioned into non-empty evaluation groups.
    

    
def bell_number(n):
    """
    Determine the number of different ways to organize credit risk assessment criteria into distinct evaluation groups for loan applications, where each criterion must be assigned to exactly one group and the same set of groupings in any order is considered identical. Given n different risk assessment factors (such as income, credit score, debt ratio), calculate how many unique ways these factors can be partitioned into non-empty evaluation groups.
    

    """
def bell_number(n):
    """
    Determine the number of different ways to organize credit risk assessment criteria into distinct evaluation groups for loan applications, where each criterion must be assigned to exactly one group and the same set of groupings in any order is considered identical. Given n different risk assessment factors (such as income, credit score, debt ratio), calculate how many unique ways these factors can be partitioned into non-empty evaluation groups.
    

    """
    bell = [[0 for i in range(n + 1)] for j in range(n + 1)]
    bell[0][0] = 1
    for i in range(1, n + 1):
        bell[i][0] = bell[i - 1][i - 1]
        for j in range(1, i + 1):
            bell[i][j] = bell[i - 1][j - 1] + bell[i][j - 1]
    return bell[n][0]