
    Design an algorithm for a credit scoring system that determines all possible ways to group distinct financial behavior patterns into meaningful risk assessment categories. The system needs to calculate how many different ways n financial criteria (such as payment history, credit utilization, and account age) can be organized into non-empty, non-overlapping groupings for comprehensive credit evaluation. Each financial criterion must be assigned to exactly one group, and the order of elements within groups doesn't matter.
    

    
def bell_number(n):
    """
    Design an algorithm for a credit scoring system that determines all possible ways to group distinct financial behavior patterns into meaningful risk assessment categories. The system needs to calculate how many different ways n financial criteria (such as payment history, credit utilization, and account age) can be organized into non-empty, non-overlapping groupings for comprehensive credit evaluation. Each financial criterion must be assigned to exactly one group, and the order of elements within groups doesn't matter.
    

    """
def bell_number(n):
    """
    Design an algorithm for a credit scoring system that determines all possible ways to group distinct financial behavior patterns into meaningful risk assessment categories. The system needs to calculate how many different ways n financial criteria (such as payment history, credit utilization, and account age) can be organized into non-empty, non-overlapping groupings for comprehensive credit evaluation. Each financial criterion must be assigned to exactly one group, and the order of elements within groups doesn't matter.
    

    """
    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]