A computer-implemented method is disclosed for efficiently processing a large number of records. In the method, a computer system may obtain a plurality of records and a decision tree. The decision tree may include a distinction node corresponding to a distinction requiring completion of a computation. Due to the fact that the computation may be, in the overall context of the process, computationally expensive, it may initially be left uncomputed. Accordingly, if the distinction node is never reached when records are being processed, no computation time gets wasted. However, if and when the distinction node is reached, the computer system may complete the computation and make the distinction based on results of the computation.