{% if coll_priority_level is defined and coll_risk_score is defined %}
                {% if coll_priority_level == "HIGH" %}
                    {% if coll_risk_score >= 80 %}
                        "IMMEDIATE_ESCALATION"
                    {% else %}
                        "PRIORITY_CONTACT"
                    {% endif %}
                {% elif coll_priority_level == "MEDIUM" %}
                    {% if coll_days_overdue > 60 %}
                        "STRUCTURED_PAYMENT_PLAN"
                    {% else %}
                        "REMINDER_SEQUENCE"
                    {% endif %}
                {% else %}
                    "REGULAR_FOLLOW_UP"
                {% endif %}
            {% else %}
                "NEEDS_ASSESSMENT"
            {% endif %}