Vivaldi* validates the data that are imported into RiskGuard* 3.0 and Select9* before any calculations are performed. It does not have restrictions regarding database structure, and can be easily customized. It validates data using the multi-criteria analysis. Those criteria are defined for each column of every input table in a database, and can be modified to fit any database structure and any business data logic. Table structures and validation criteria are stored in XML files, so that data validation rules can be easily altered, without any changes to the software code itself.