ah, ok, just found Larry Wood's study on this. His model is somewhat unique, and has some unique, although generally intuitive, terminology.
http://www.biblenews1.com/grace/gracea.htm#Problem Solving Device
either add "...Solving Device" back into the link, or just scroll about 90% down the page.
i will say that i am 'spoiling' this, due to the higher maturity level of most Christians here; so i hope that too much of the impact is not lost. If you wonder why prayer does not seem to be effective in a situation, this may provide some answers.