
    Design a function for a loan approval system that determines all possible ways to group different financial assessment criteria into distinct evaluation categories. Given n financial criteria (such as credit score, income level, and debt ratio), calculate how many different ways these criteria can be organized into subgroups for creating comprehensive loan assessment rules, where each criterion must be used exactly once and can be combined with any other criteria in a group.
    

    
def bell_number(n):
    """
    Design a function for a loan approval system that determines all possible ways to group different financial assessment criteria into distinct evaluation categories. Given n financial criteria (such as credit score, income level, and debt ratio), calculate how many different ways these criteria can be organized into subgroups for creating comprehensive loan assessment rules, where each criterion must be used exactly once and can be combined with any other criteria in a group.
    

    """
def bell_number(n):
    """
    Design a function for a loan approval system that determines all possible ways to group different financial assessment criteria into distinct evaluation categories. Given n financial criteria (such as credit score, income level, and debt ratio), calculate how many different ways these criteria can be organized into subgroups for creating comprehensive loan assessment rules, where each criterion must be used exactly once and can be combined with any other criteria in a group.
    

    """
    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]