Training Set of First 200 Applicants

Raw Data
Unique Applicant ID Age Years at Employer
1 32.53 9.39
2 34.58 11.97
3 37.70 12.46
4 28.68 1.39
5 32.61 7.49
6 39.32 4.58
7 46.85 16.90
8 42.00 15.93
9 46.78 11.96
10 27.27 9.47
11 35.27 1.04
12 25.97 4.21
13 32.34 7.40
14 48.82 22.37
15 51.81 26.63
16 31.32 7.84
17 27.30 7.70
18 25.58 2.75
19 31.49 13.63
20 43.70 2.58
21 31.18 3.69
22 37.35 20.99
23 41.97 14.45
24 46.09 25.78
25 49.45 4.57
26 25.16 9.31
27 39.68 4.29
28 30.80 0.58
29 39.61 1.19
30 32.61 3.64
31 39.42 2.35
32 49.11 11.67
33 35.31 8.83
34 27.33 7.86
35 42.02 12.29
36 42.83 0.91
37 28.50 5.18
38 49.65 15.12
39 26.52 0.75
40 27.90 11.44
41 47.18 24.53
42 30.38 11.80
43 29.91 6.77
44 35.48 13.10
45 39.57 23.90
46 41.08 14.51
47 32.16 7.37
48 29.26 4.33
49 40.55 6.26
50 23.68 3.40
51 43.64 18.97
52 29.42 4.61
53 23.31 0.97
54 34.04 8.71
55 31.65 9.13
56 28.93 6.12
57 44.24 20.05
58 22.19 0.52
59 21.35 5.53
60 37.31 13.80
61 28.99 0.63
62 37.50 5.33
63 25.42 1.34
64 30.48 0.35
65 38.23 7.51
66 54.82 0.64
67 32.72 15.56
68 30.01 4.04
69 28.60 9.84
70 26.96 0.17
71 46.96 1.79
72 30.24 1.58
73 43.03 4.46
74 27.99 6.90
 75 33.23 5.86
76 49.15 17.12
77 27.77 1.32
78 49.49 8.74
79 31.02 9.66
80 42.20 6.58
81 45.45 31.65
82 30.83 0.72
83 26.99 3.32
84 23.94 0.68
85 41.79 10.79
86 38.55 16.92
87 31.48 11.60
88 24.08 0.14
89 31.50 8.33
90 46.28 7.97
91 45.66 18.22
92 28.65 11.32
93 33.70 5.46
94 29.92 0.28
95 44.78 13.29
96 32.09 7.44
97 23.99 4.52
98 43.68 18.12
99 36.76 10.03
100 53.97 31.37
101 35.83 6.40
102 31.61 9.64
103 27.76 7.44
104 46.29 14.53
105 51.03 10.98
106 28.50 6.02
107 35.93 18.74
108 25.80 3.63
109 46.60 11.46
110 29.12 8.59
111 30.14 13.76
112 20.43 3.01
113 33.77 10.62
114 22.86 3.54
115 24.37 7.77
116 24.13 2.50
117 44.34 2.60
118 32.68 15.82
119 36.73 10.92
120 35.60 13.64
121 37.49 15.02
122 33.01 8.80
123 29.04 10.76
124 47.12 22.95
125 37.01 3.84
126 35.17 15.51
127 51.10 6.02
128 55.72 7.52
129 41.71 10.03
130 23.99 0.31
131 43.14 5.89
132 25.51 0.80
133 33.71 12.70
134 36.53 10.59
135 42.73 11.33
136 21.39 0.33
137 27.06 9.28
138 25.72 4.59
139 42.51 13.04
140 26.20 2.82
141 28.99 1.60
142 34.84 4.36
143 32.13 0.67
144 40.25 13.84
145 40.22 24.21
146 23.44 4.83
147 33.27 5.47
148 49.85 5.39
149 29.01 4.91
150 25.96 5.30
151 24.39 4.49
152 27.09 5.49
153 31.04 10.96
154 31.49 2.02
155 33.93 4.60
156 26.49 0.45
157 33.78 7.63
158 33.10 11.12
159 23.85 0.58
160 33.26 7.61
161 47.08 29.57
162 20.43 0.62
163 31.65 9.79
164 36.36 14.10
165 33.94 11.44
166 35.93 5.01
167 26.25 7.23
168 30.31 2.04
169 55.58 11.74
170 37.30 21.79
171 32.37 3.40
172 20.19 0.32
173 26.84 12.79
174 38.12 18.29
175 33.16 13.45
176 28.52 1.33
177 26.60 9.73
178 36.20 6.33
179 28.88 0.99
180 25.23 1.64
181 27.86 2.75
182 35.96 4.96
183 33.68 15.80
184 29.35 0.20
185 38.35 19.20
186 36.05 4.12
187 25.82 0.45
188 32.23 8.16
189 31.07 0.49
190 38.08 17.83
191 51.75 15.31
192 40.01 20.18
193 28.27 6.85
194 38.66 0.61
 195 44.13 0.04
196 42.20 13.25
197 24.60 7.82
198 24.97 2.37
199 38.96 16.69
200 45.87 16.41

mean 34.67 8.61

standard deviation 8.20 6.77

Years at Address Income Credit Card Debt Automobile Debt
0.30 $37,844 -$3,247 -$4,795
1.49 $65,765 -$15,598 -$17,632
0.09 $61,002 -$11,402 -$7,910
1.84 $19,953 -$1,233 -$2,408
0.23 $24,970 -$1,136 -$397
2.03 $222,106 -$16,353 -$55,419
1.00 $74,283 -$4,468 -$8,517
2.80 $117,987 -$5,313 -$1,797
0.67 $55,248 -$7,435 -$18,233
0.48 $33,040 -$1,833 -$3,632
0.78 $20,060 -$3,899 -$2,634
0.60 $35,387 -$191 -$1,661
2.90 $35,108 -$1,316 -$1,951
0.04 $116,698 -$8,255 -$9,030
0.54 $165,132 -$1,754 -$34,033
0.35 $41,565 -$341 -$11,030
0.26 $35,831 -$287 -$1,158
0.46 $17,830 -$2,145 -$6,228
1.04 $67,806 -$7,510 -$3,132
0.28 $20,192 -$323 -$830
0.02 $12,517 $34 -$642
2.02 $92,609 -$10,895 -$18,365
1.99 $55,837 -$1,443 -$3,774
0.30 $63,307 -$1,931 -$21,382
0.67 $29,489 -$1,202 -$3,453
0.36 $27,376 -$1,144 -$4,042
1.74 $73,553 -$1,711 -$1,285
1.82 $19,313 $30 -$496
0.02 $20,357 -$600 -$3,112
0.72 $18,431 -$448 -$3,283
1.15 $12,508 -$3,783 -$3,376
1.17 $77,851 -$1,954 -$10,429
1.20 $28,598 -$888 $1,220
0.06 $21,613 -$27 -$1,008
0.73 $84,270 -$3,020 -$19,178
1.05 $64,389 -$432 -$7,002
0.28 $16,711 -$1,234 $1,247
0.80 $80,738 -$5,168 -$2,204
1.53 $13,790 -$5,586 -$7,900
0.26 $35,216 -$3,093 -$3,920
0.98 $117,904 -$1,368 -$10,138
0.32 $32,065 -$357 -$219
1.26 $19,060 -$2,338 -$4,486
3.70 $81,993 -$736 $493
0.37 $70,302 -$6,211 -$21,487
0.49 $35,722 -$2,569 -$4,369
1.26 $42,545 -$5,967 -$19,499
1.14 $38,367 -$2,460 -$2,224
1.45 $191,461 -$6,309 -$23,389
0.52 $50,445 -$500 -$9,582
0.90 $451,320 -$32,050 -$24,528
0.26 $24,542 -$126 -$2,427
1.17 $24,528 -$758 -$4,273
0.14 $36,140 -$1,247 -$5,135
0.77 $46,320 -$1,867 -$1,458
0.07 $46,794 -$2,353 -$2,643
0.25 $112,352 -$6,493 -$24,003
0.14 $17,677 -$320 -$1,198
0.95 $14,331 -$1,811 -$4,768
0.43 $71,326 -$2,051 -$2,719
0.44 $18,098 -$184 $1,747
1.17 $18,687 -$352 -$2,286
0.99 $28,273 -$3,513 -$8,887
1.06 $15,263 -$1,604 -$5,876
0.46 $39,352 -$415 -$6,147
1.25 $27,061 -$5,517 -$10,775
0.06 $74,098 -$7,920 -$8,218
0.57 $17,915 -$498 -$307
0.56 $23,058 -$1,417 -$3,335
0.51 $21,170 -$2,840 -$3,925
0.97 $26,287 -$1,481 -$446
1.00 $15,146 -$558 $34
0.37 $31,945 -$846 -$2,328
0.68 $29,452 -$822 -$1,067
0.60 $20,504 -$1,259 -$1,560
0.42 $112,965 -$6,629 -$21,660
0.45 $18,508 -$2,136 -$2,307
0.98 $16,478 -$173 $707
0.29 $52,304 -$5,215 -$17,394
0.60 $34,375 -$313 -$2,349
0.62 $249,836 -$18,532 -$17,228
0.19 $25,223 -$1,888 -$3,180
0.12 $16,498 -$1,539 -$2,102
0.44 $19,048 -$581 -$3,148
1.01 $35,485 -$2,862 -$4,971
0.63 $95,949 -$2,875 -$591
0.46 $62,996 -$11,126 -$13,652
2.12 $18,529 -$172 -$2,671
0.28 $39,169 -$1,980 -$4,428
0.55 $36,914 -$1,950 -$687
1.16 $83,778 -$1,645 -$10,598
0.12 $26,330 -$2,584 -$2,079
0.33 $41,565 -$5,273 -$8,862
0.34 $25,886 -$2,660 -$11,608
0.54 $61,042 -$9,940 -$10,872
1.84 $25,162 -$648 -$1,691
0.50 $11,522 -$201 -$1,622
0.85 $46,788 -$944 -$1,548
0.75 $46,221 -$1,027 -$12,245
0.45 $250,323 -$8,505 -$30,319
0.28 $68,075 -$4,241 -$3,025
0.47 $49,859 -$6,374 -$4,487
2.13 $27,254 -$1,084 -$1,014
1.66 $69,674 -$4,305 -$4,915
2.21 $35,666 -$4,834 -$1,983
1.13 $29,038 -$4,224 -$6,676
0.41 $58,226 -$5,095 -$11,737
0.18 $19,828 -$2,952 -$4,217
0.54 $52,869 -$5,046 -$14,190
1.01 $35,060 -$1,460 -$4,421
1.30 $58,770 -$6,476 -$9,729
0.80 $24,265 -$2,807 -$2,101
1.46 $48,850 -$702 -$66
1.67 $15,752 -$39 -$3,395
0.09 $20,414 -$705 -$1,789
0.89 $24,754 -$2,503 -$3,715
0.19 $33,714 -$2,380 -$1,755
0.40 $57,887 -$1,614 -$2,516
0.79 $73,159 -$1,337 -$3,992
1.42 $53,531 -$2,849 -$6,309
0.94 $40,241 -$8,961 -$9,643
0.56 $48,644 -$777 -$7,196
0.01 $43,359 -$7,606 -$7,822
1.01 $97,958 -$1,737 -$3,753
0.01 $25,487 -$2,465 -$5,022
0.46 $47,201 -$14,557 -$22,228
0.48 $28,924 -$199 -$5,224
0.34 $63,054 -$3,933 -$7,379
1.47 $72,713 -$5,636 -$5,688
1.10 $23,258 -$1,473 -$4,459
0.27 $54,688 -$897 -$13,898
1.62 $26,907 -$1,129 -$1,551
0.52 $24,672 -$2,294 -$7,104
1.92 $30,474 -$2,609 -$2,693
1.44 $31,997 -$773 -$3,863
1.01 $25,384 -$1,210 -$3,349
0.71 $43,993 -$5,813 -$10,241
0.93 $20,669 -$664 -$1,563
0.20 $35,459 -$3,855 -$4,736
1.07 $25,410 -$2,235 -$4,641
0.90 $14,720 -$392 $718
0.60 $39,648 -$1,471 -$2,959
0.70 $33,664 -$1,579 -$1,008
0.09 $65,386 -$1,808 -$6,358
1.30 $77,330 -$13,082 -$11,505
0.60 $22,267 -$646 -$3,964
1.10 $44,970 -$3,555 -$10,735
1.79 $80,182 -$13,905 -$13,035
1.02 $35,784 -$1,574 -$4,677
0.03 $76,293 -$4,397 -$6,020
0.85 $23,507 -$210 -$1,696
0.08 $12,590 -$755 -$1,582
1.00 $28,164 -$351 -$2,871
0.72 $22,928 -$4,104 -$2,220
0.80 $16,859 -$1,908 -$2,807
0.17 $16,585 -$3,910 -$5,587
0.31 $31,945 -$1,572 -$2,553
0.18 $27,090 -$1,535 -$4,258
0.03 $33,501 -$4,331 -$8,748
0.11 $24,083 -$1,325 -$924
1.84 $149,418 -$7,973 -$13,568
0.31 $16,942 -$412 -$4,704
0.20 $29,747 -$396 -$194
1.41 $53,737 -$1,597 -$3,616
0.81 $31,123 -$4,247 -$2,142
0.26 $20,367 -$291 -$3,493
1.40 $15,723 -$1,075 -$1,288
0.80 $28,720 -$555 -$2,600
0.20 $57,901 -$9,563 -$6,763
0.62 $48,117 -$5,082 -$2,942
2.02 $24,386 -$3,680 -$2,724
0.65 $17,109 -$4,164 -$6,581
0.33 $95,717 -$5,808 -$6,871
0.89 $45,262 -$718 -$754
0.22 $25,895 -$1,028 -$1,074
0.71 $30,968 -$3,427 -$4,260
0.12 $31,196 -$859 -$4,227
0.65 $35,808 -$3,371 -$10,032
0.81 $16,540 -$523 -$2,422
0.85 $14,781 -$457 -$2,989
0.56 $27,109 -$826 -$5,903
0.45 $19,912 -$1,345 -$1,489
1.87 $59,362 -$3,681 -$5,972
0.97 $22,488 -$677 -$5,391
2.09 $73,367 -$7,698 -$32,858
0.04 $17,290 -$910 -$3,460
0.34 $34,054 -$4,388 -$5,065
0.49 $25,633 -$486 -$453
0.04 $16,796 -$404 $125
0.22 $67,277 -$10,497 -$4,908
0.40 $46,265 -$2,569 -$2,339
1.64 $144,700 -$6,447 -$29,135
0.39 $52,054 -$2,459 -$13,117
0.13 $30,129 -$1,210 -$2,707
0.76 $25,094 -$293 -$2,250
0.58 $58,644 -$5,165 -$11,395
1.93 $17,453 -$984 -$1,432
0.31 $27,214 -$1,446 -$2,101
0.69 $115,211 -$3,206 -$25,827
0.01 $123,171 -$1,195 -$6,470

0.78 48439.96 -3202.11 -6378.07

0.62 47862.35 3892.03 7472.44

 Standardized Data
Outcomes: Default = 1 Unique Applicant ID Age
0 1 -0.26
1 2 -0.01
1 3 0.37
0 4 -0.73
0 5 -0.25
1 6 0.57
0 7 1.48
0 8 0.89
0 9 1.48
0 10 -0.90
1 11 0.07
0 12 -1.06
1 13 -0.28
0 14 1.73
0 15 2.09
0 16 -0.41
0 17 -0.90
1 18 -1.11
0 19 -0.39
0 20 1.10
0 21 -0.43
0 22 0.33
0 23 0.89
0 24 1.39
1 25 1.80
0 26 -1.16
0 27 0.61
0 28 -0.47
0 29 0.60
0 30 -0.25
1 31 0.58
0 32 1.76
0 33 0.08
0 34 -0.89
0 35 0.90
0 36 1.00
0 37 -0.75
0 38 1.83
1 39 -0.99
0 40 -0.82
0 41 1.53
0 42 -0.52
0 43 -0.58
0 44 0.10
0 45 0.60
0 46 0.78
1 47 -0.31
1 48 -0.66
0 49 0.72
1 50 -1.34
1 51 1.09
0 52 -0.64
1 53 -1.38
0 54 -0.08
0 55 -0.37
0 56 -0.70
0 57 1.17
0 58 -1.52
0 59 -1.62
0 60 0.32
0 61 -0.69
0 62 0.34
1 63 -1.13
1 64 -0.51
0 65 0.43
1 66 2.46
0 67 -0.24
0 68 -0.57
0 69 -0.74
1 70 -0.94
0 71 1.50
0 72 -0.54
1 73 1.02
1 74 -0.81
0 75 -0.18
0 76 1.77
0 77 -0.84
0 78 1.81
0 79 -0.44
0 80 0.92
0 81 1.31
0 82 -0.47
1 83 -0.94
1 84 -1.31
0 85 0.87
0 86 0.47
0 87 -0.39
0 88 -1.29
0 89 -0.39
0 90 1.42
0 91 1.34
0 92 -0.73
0 93 -0.12
0 94 -0.58
1 95 1.23
0 96 -0.31
0 97 -1.30
0 98 1.10
0 99 0.25
0 100 2.35
0 101 0.14
1 102 -0.37
0 103 -0.84
1 104 1.42
0 105 2.00
1 106 -0.75
0 107 0.15
1 108 -1.08
1 109 1.46
0 110 -0.68
0 111 -0.55
0 112 -1.74
0 113 -0.11
1 114 -1.44
0 115 -1.26
1 116 -1.28
0 117 1.18
0 118 -0.24
0 119 0.25
0 120 0.11
1 121 0.34
0 122 -0.20
0 123 -0.69
0 124 1.52
0 125 0.29
1 126 0.06
0 127 2.00
0 128 2.57
0 129 0.86
1 130 -1.30
1 131 1.03
0 132 -1.12
0 133 -0.12
0 134 0.23
0 135 0.98
1 136 -1.62
1 137 -0.93
0 138 -1.09
0 139 0.96
1 140 -1.03
1 141 -0.69
0 142 0.02
0 143 -0.31
0 144 0.68
0 145 0.68
0 146 -1.37
1 147 -0.17
1 148 1.85
0 149 -0.69
0 150 -1.06
0 151 -1.25
0 152 -0.92
0 153 -0.44
0 154 -0.39
0 155 -0.09
1 156 -1.00
0 157 -0.11
1 158 -0.19
0 159 -1.32
0 160 -0.17
0 161 1.51
1 162 -1.73
0 163 -0.37
0 164 0.21
0 165 -0.09
0 166 0.15
1 167 -1.03
0 168 -0.53
0 169 2.55
0 170 0.32
0 171 -0.28
1 172 -1.76
0 173 -0.95
0 174 0.42
0 175 -0.18
0 176 -0.75
0 177 -0.98
0 178 0.19
1 179 -0.71
1 180 -1.15
0 181 -0.83
0 182 0.16
0 183 -0.12
0 184 -0.65
0 185 0.45
0 186 0.17
1 187 -1.08
0 188 -0.30
1 189 -0.44
0 190 0.42
0 191 2.08
0 192 0.65
0 193 -0.78
1 194 0.49
0 195 1.15
0 196 0.92
0 197 -1.23
0 198 -1.18
0 199 0.52
0 200 1.37
Years at Employer Years at Address Income Credit Card Debt
0.11 -0.78 -0.22 -0.01
0.50 1.14 0.36 -3.18
0.57 -1.12 0.26 -2.11
-1.07 1.71 -0.60 0.51
-0.17 -0.88 -0.49 0.53
-0.60 2.02 3.63 -3.38
1.22 0.35 0.54 -0.33
1.08 3.27 1.45 -0.54
0.49 -0.18 0.14 -1.09
0.13 -0.49 -0.32 0.35
-1.12 -0.01 -0.59 -0.18
-0.65 -0.28 -0.27 0.77
-0.18 3.43 -0.28 0.48
2.03 -1.19 1.43 -1.30
2.66 -0.38 2.44 0.37
-0.11 -0.69 -0.14 0.74
-0.13 -0.84 -0.26 0.75
-0.87 -0.51 -0.64 0.27
0.74 0.42 0.40 -1.11
-0.89 -0.80 -0.59 0.74
-0.73 -1.22 -0.75 0.83
1.83 2.00 0.92 -1.98
0.86 1.95 0.15 0.45
2.53 -0.77 0.31 0.33
-0.60 -0.18 -0.40 0.51
0.10 -0.68 -0.44 0.53
-0.64 1.56 0.52 0.38
-1.19 1.68 -0.61 0.83
-1.10 -1.22 -0.59 0.67
-0.74 -0.10 -0.63 0.71
-0.92 0.61 -0.75 -0.15
0.45 0.64 0.61 0.32
0.03 0.67 -0.41 0.59
-0.11 -1.17 -0.56 0.82
 0.54 -0.09 0.75 0.05
-1.14 0.44 0.33 0.71
-0.51 -0.80 -0.66 0.51
0.96 0.03 0.67 -0.51
-1.16 1.22 -0.72 -0.61
0.42 -0.84 -0.28 0.03
2.35 0.33 1.45 0.47
0.47 -0.74 -0.34 0.73
-0.27 0.77 -0.61 0.22
0.66 4.71 0.70 0.63
2.26 -0.66 0.46 -0.77
0.87 -0.47 -0.27 0.16
-0.18 0.78 -0.12 -0.71
-0.63 0.58 -0.21 0.19
-0.35 1.08 2.99 -0.80
-0.77 -0.42 0.04 0.69
1.53 0.20 8.42 -7.41
-0.59 -0.84 -0.50 0.79
-1.13 0.64 -0.50 0.63
0.01 -1.04 -0.26 0.50
0.08 -0.01 -0.04 0.34
-0.37 -1.15 -0.03 0.22
1.69 -0.86 1.34 -0.85
-1.19 -1.03 -0.64 0.74
-0.46 0.27 -0.71 0.36
0.77 -0.57 0.48 0.30
-1.18 -0.55 -0.63 0.78
-0.49 0.64 -0.62 0.73
-1.07 0.33 -0.42 -0.08
-1.22 0.45 -0.69 0.41
-0.16 -0.52 -0.19 0.72
-1.18 0.75 -0.45 -0.59
1.02 -1.17 0.54 -1.21
-0.67 -0.34 -0.64 0.69
0.18 -0.35 -0.53 0.46
-1.25 -0.44 -0.57 0.09
-1.01 0.30 -0.46 0.44
-1.04 0.35 -0.70 0.68
-0.61 -0.66 -0.34 0.61
-0.25 -0.16 -0.40 0.61
-0.41 -0.29 -0.58 0.50
1.26 -0.58 1.35 -0.88
-1.08 -0.53 -0.63 0.27
0.02 0.33 -0.67 0.78
0.16 -0.79 0.08 -0.52
-0.30 -0.29 -0.29 0.74
3.40 -0.25 4.21 -3.94
-1.17 -0.95 -0.49 0.34
-0.78 -1.06 -0.67 0.43
-1.17 -0.55 -0.61 0.67
0.32 0.38 -0.27 0.09
1.23 -0.24 0.99 0.08
0.44 -0.52 0.30 -2.04
-1.25 2.17 -0.62 0.78
-0.04 -0.81 -0.19 0.31
-0.10 -0.37 -0.24 0.32
1.42 0.62 0.74 0.40
0.40 -1.07 -0.46 0.16
-0.47 -0.73 -0.14 -0.53
-1.23 -0.71 -0.47 0.14
0.69 -0.39 0.26 -1.73
-0.17 1.71 -0.49 0.66
-0.60 -0.45 -0.77 0.77
1.40 0.11 -0.03 0.58
0.21 -0.06 -0.05 0.56
3.36 -0.53 4.22 -1.36
-0.33 -0.81 0.41 -0.27
0.15 -0.50 0.03 -0.82
-0.17 2.19 -0.44 0.54
0.87 1.43 0.44 -0.28
0.35 2.31 -0.27 -0.42
-0.38 0.56 -0.41 -0.26
1.49 -0.59 0.20 -0.49
-0.74 -0.96 -0.60 0.06
0.42 -0.39 0.09 -0.47
0.00 0.37 -0.28 0.45
0.76 0.84 0.22 -0.84
-0.83 0.04 -0.51 0.10
0.30 1.11 0.01 0.64
-0.75 1.44 -0.68 0.81
-0.13 -1.11 -0.59 0.64
-0.90 0.19 -0.49 0.18
-0.89 -0.95 -0.31 0.21
1.06 -0.61 0.20 0.41
0.34 0.02 0.52 0.48
0.74 1.04 0.11 0.09
0.95 0.25 -0.17 -1.48
0.03 -0.35 0.00 0.62
0.32 -1.25 -0.11 -1.13
2.12 0.37 1.03 0.38
-0.70 -1.24 -0.48 0.19
1.02 -0.51 -0.03 -2.92
-0.38 -0.48 -0.41 0.77
-0.16 -0.72 0.31 -0.19
0.21 1.12 0.51 -0.63
-1.23 0.52 -0.53 0.44
-0.40 -0.82 0.13 0.59
-1.15 1.36 -0.45 0.53
0.60 -0.42 -0.50 0.23
0.29 1.84 -0.38 0.15
0.40 1.07 -0.34 0.62
-1.22 0.38 -0.48 0.51
0.10 -0.12 -0.09 -0.67
-0.59 0.25 -0.58 0.65
0.65 -0.94 -0.27 -0.17
-0.85 0.47 -0.48 0.25
-1.04 0.20 -0.70 0.72
-0.63 -0.28 -0.18 0.44
-1.17 -0.13 -0.31 0.42
0.77 -1.11 0.35 0.36
2.30 0.83 0.60 -2.54
-0.56 -0.29 -0.55 0.66
-0.46 0.52 -0.07 -0.09
-0.48 1.63 0.66 -2.75
-0.55 0.38 -0.26 0.42
-0.49 -1.21 0.58 -0.31
-0.61 0.12 -0.52 0.77
-0.46 -1.14 -0.75 0.63
0.35 0.35 -0.42 0.73
-0.97 -0.09 -0.53 -0.23
-0.59 0.04 -0.66 0.33
-1.21 -0.98 -0.67 -0.18
-0.15 -0.76 -0.34 0.42
0.37 -0.96 -0.45 0.43
-1.19 -1.21 -0.31 -0.29
-0.15 -1.08 -0.51 0.48
3.09 1.72 2.11 -1.23
-1.18 -0.75 -0.66 0.72
0.17 -0.94 -0.39 0.72
0.81 1.02 0.11 0.41
0.42 0.05 -0.36 -0.27
-0.53 -0.84 -0.59 0.75
-0.20 1.01 -0.68 0.55
-0.97 0.03 -0.41 0.68
0.46 -0.94 0.20 -1.63
1.95 -0.26 -0.01 -0.48
-0.77 2.01 -0.50 -0.12
-1.23 -0.21 -0.65 -0.25
0.62 -0.72 0.99 -0.67
1.43 0.18 -0.07 0.64
0.71 -0.90 -0.47 0.56
-1.08 -0.11 -0.37 -0.06
0.17 -1.07 -0.36 0.60
-0.34 -0.21 -0.26 -0.04
-1.13 0.05 -0.67 0.69
-1.03 0.12 -0.70 0.71
-0.87 -0.36 -0.45 0.61
-0.54 -0.54 -0.60 0.48
1.06 1.75 0.23 -0.12
-1.24 0.31 -0.54 0.65
1.56 2.12 0.52 -1.16
-0.66 -1.19 -0.65 0.59
-1.21 -0.71 -0.30 -0.30
-0.07 -0.46 -0.48 0.70
-1.20 -1.20 -0.66 0.72
1.36 -0.91 0.39 -1.87
0.99 -0.62 -0.05 0.16
1.71 1.38 2.01 -0.83
-0.26 -0.63 0.08 0.19
-1.18 -1.05 -0.38 0.51
-1.27 -0.03 -0.49 0.75
0.68 -0.32 0.21 -0.50
-0.12 1.86 -0.65 0.57
-0.92 -0.76 -0.44 0.45
1.19 -0.14 1.40 0.00
1.15 -1.24 1.56 0.52
Automobile Debt Outcomes: Default = 1 Score
0.21 0 0.81
-1.51 1 -330.93
-0.21 1 6.41
0.53 0 1.51
0.80 0 4.08
-6.56 1 12.36
-0.29 0 0.58
0.61 0 2.23
-1.59 0 0.83
0.37 0 0.75
0.50 1 -5.60
0.63 0 0.99
0.59 1 2.69
-0.35 0 1.58
-3.70 0 0.99
-0.62 0 2.16
0.70 0 1.13
0.02 1 0.82
0.43 0 -3.90
0.74 0 -1.21
0.77 0 3.72
-1.60 0 8.86
0.35 0 -0.33
-2.01 0 -0.01
0.39 1 -0.51
0.31 0 0.84
0.68 0 0.23
0.79 0 3.05
0.44 0 -2.08
0.41 0 5.33
0.40 1 -1.04
-0.54 0 0.17
1.02 0 -12.91
0.72 0 1.54
-1.71 0 0.78
-0.08 0 -0.38
1.02 0 1.55
0.56 0 0.65
-0.20 1 0.11
0.33 0 0.37
-0.50 0 0.64
0.82 0 2.05
0.25 0 1.44
0.92 0 0.68
-2.02 0 2.06
0.27 0 -0.55
-1.76 1 -1.92
0.56 1 0.61
-2.28 0 5.27
-0.43 1 0.49
-2.43 1 14.48
0.53 0 2.02
0.28 1 0.81
0.17 0 9.90
0.66 0 1.05
0.50 0 0.36
-2.36 0 1.87
0.69 0 0.91
0.22 0 0.66
0.49 0 0.57
1.09 0 2.04
0.55 0 -3.93
-0.34 1 0.30
0.07 1 2.17
0.03 0 -2.09
-0.59 1 0.06
-0.25 0 -7.39
0.81 0 2.35
0.41 0 1.34
0.33 1 0.71
0.79 0 -0.60
0.86 0 2.55
0.54 1 -0.93
0.71 1 1.24
 0.64 0 6.18
-2.05 0 1.26
0.54 0 1.07
0.95 0 -0.80
-1.47 0 -1.35
0.54 0 -1.13
-1.45 0 6.20
0.43 0 1.76
0.57 1 1.17
0.43 1 0.98
0.19 0 -0.41
0.77 0 1.92
-0.97 0 -6.03
0.50 0 1.09
0.26 0 1.32
0.76 0 -0.40
-0.56 0 0.25
0.58 0 0.85
-0.33 0 -3.31
-0.70 0 1.05
-0.60 1 1.62
0.63 0 3.63
0.64 0 1.18
0.65 0 -0.56
-0.79 0 -2.38
-3.20 0 2.37
0.45 0 4.78
0.25 1 -2.27
0.72 0 1.17
0.20 1 0.51
0.59 0 0.08
-0.04 1 0.19
-0.72 0 4.47
0.29 1 0.61
-1.05 1 0.39
0.26 0 1.08
-0.45 0 -1.92
0.57 0 0.35
0.84 0 5.81
0.40 1 1.04
 0.61 0 0.98
0.36 1 0.52
0.62 0 -0.44
0.52 0 0.87
0.32 0 0.15
0.01 0 0.14
-0.44 1 3.80
-0.11 0 3.06
-0.19 0 -1.50
0.35 0 0.43
0.18 0 -2.34
-2.12 1 47.54
0.15 0 -0.59
-0.13 0 0.19
0.09 0 1.32
0.26 1 0.75
-1.01 1 -0.45
0.65 0 0.88
-0.10 0 6.29
0.49 0 -2.32
0.34 0 -0.98
0.41 1 0.61
-0.52 1 -0.62
0.64 0 1.13
0.22 0 -0.11
0.23 1 0.71
0.95 1 2.06
0.46 0 -29.99
0.72 0 2.34
0.00 0 -0.01
-0.69 0 4.64
0.32 0 0.88
-0.58 1 -0.11
-0.89 1 1.84
0.23 0 0.99
0.05 0 -0.84
0.63 0 1.03
0.64 0 1.49
0.47 0 2.62
0.56 0 0.78
 0.48 0 11.02
0.11 1 0.49
0.51 0 7.06
0.28 1 4.57
-0.32 0 0.02
0.73 0 5.77
-0.96 0 2.20
0.22 1 0.79
0.83 0 3.03
0.37 0 -1.46
0.57 0 1.06
0.39 0 -8.63
0.68 1 1.20
0.51 0 2.06
-0.05 0 0.72
0.46 0 1.49
0.49 0 1.36
-0.03 1 0.23
-0.07 0 -1.74
0.75 0 -1.67
0.71 0 5.61
0.28 0 0.41
0.29 0 0.98
-0.49 0 -1.18
0.53 1 1.92
0.45 1 1.22
0.06 0 1.27
0.65 0 -6.81
0.05 0 -2.92
0.13 0 1.84
-3.54 0 3.73
0.39 0 -7.33
0.18 1 0.00
0.79 0 3.95
0.87 1 3.15
0.20 0 5.45
0.54 0 -0.10
-3.05 0 4.36
-0.90 0 0.15
0.49 1 -1.84
 0.55 0 -1.07
-0.67 0 0.78
0.66 0 0.99
0.57 0 0.76
-2.60 0 2.67
-0.01 0 0.77
Score 1 Binary ou Reversed Outcome
-1.10 0 1
-0.08 1 0
-0.11 1 0
-0.57 0 1
-0.37 0 1
-0.36 1 0
-0.88 0 1
20.55 0 1
-0.05 0 1
-0.45 0 1
-1.84 1 0
-0.19 0 1
-0.26 1 0
-0.86 0 1
-0.73 0 1
-1.28 0 1
-0.18 0 1
-2.19 1 0
-0.60 0 1
-0.40 0 1
-0.47 0 1
-0.26 0 1
0.19 0 1
-0.18 0 1
-0.44 1 0
-0.52 0 1
0.49 0 1
-0.38 0 1
-0.53 0 1
-0.56 0 1
-2.97 1 0
-2.77 0 1
-0.26 0 1
-0.37 0 1
 -0.45 0 1
0.53 0 1
-0.43 0 1
12.60 0 1
0.89 1 0
-0.77 0 1
-45.52 0 1
-0.22 0 1
-1.29 0 1
0.45 0 1
-0.16 0 1
-0.62 0 1
0.05 1 0
-0.28 1 0
-0.97 0 1
0.16 1 0
-0.86 1 0
-0.38 0 1
-0.55 1 0
-0.38 0 1
-0.04 0 1
-0.05 0 1
-0.42 0 1
-0.45 0 1
-1.24 0 1
0.61 0 1
-0.34 0 1
-0.49 0 1
1.01 1 0
-1.45 1 0
-0.25 0 1
0.38 1 0
-0.37 0 1
-0.42 0 1
-0.61 0 1
-1.35 1 0
-0.37 0 1
-0.45 0 1
-0.30 1 0
-0.30 1 0
-0.51 0 1
-0.46 0 1
-0.76 0 1
-0.39 0 1
-0.04 0 1
-0.23 0 1
-0.78 0 1
-0.63 0 1
-0.67 1 0
-0.56 1 0
-0.98 0 1
1.16 0 1
-0.10 0 1
-0.49 0 1
-0.34 0 1
-0.22 0 1
-4.48 0 1
-0.63 0 1
0.17 0 1
0.84 0 1
-0.11 1 0
-0.38 0 1
-0.55 0 1
-0.03 0 1
0.21 0 1
-0.92 0 1
2.26 0 1
-0.05 1 0
-0.35 0 1
-5.06 1 0
-1.58 0 1
1.34 1 0
-0.17 0 1
-1.69 1 0
-0.06 1 0
-0.39 0 1
-0.17 0 1
-0.75 0 1
0.01 0 1
-0.56 1 0
-0.47 0 1
-0.92 1 0
-0.37 0 1
0.21 0 1
0.65 0 1
1.06 0 1
0.09 1 0
0.01 0 1
0.08 0 1
1.42 0 1
-1.29 0 1
0.01 1 0
-0.44 0 1
-0.95 0 1
-0.95 0 1
-0.75 1 0
-0.32 1 0
-0.38 0 1
-3.65 0 1
-0.58 0 1
-0.36 0 1
-0.53 1 0
0.08 1 0
-0.45 0 1
-5.21 0 1
-1.00 1 0
-0.42 1 0
-0.20 0 1
-0.27 0 1
0.98 0 1
-0.19 0 1
-0.56 0 1
0.11 1 0
-0.18 1 0
-0.41 0 1
-2.25 0 1
-0.37 0 1
-0.59 0 1
-0.35 0 1
-1.64 0 1
-0.81 0 1
8.76 1 0
-0.37 0 1
-0.63 1 0
0.51 0 1
-0.42 0 1
-0.96 0 1
-0.70 1 0
-0.25 0 1
0.14 0 1
-1.21 0 1
-0.52 0 1
-0.56 1 0
-0.35 0 1
-0.12 0 1
0.29 0 1
-1.37 0 1
2.39 1 0
-1.34 0 1
-0.05 0 1
-0.37 0 1
-1.62 0 1
-0.40 0 1
0.50 0 1
-0.55 1 0
-0.61 1 0
-0.66 0 1
-0.53 0 1
-3.32 0 1
-0.69 0 1
-0.11 0 1
-0.66 0 1
2.33 1 0
-0.32 0 1
-0.42 1 0
-0.23 0 1
-0.06 0 1
-0.52 0 1
-0.11 0 1
-0.38 1 0
-0.38 0 1
-0.18 0 1
-0.53 0 1
-0.43 0 1
-0.54 0 1
3.10 0 1
50 0
Score Binary outco Reversed OutFalse PostivesTrue Positivesx y
23.0 0 1 1 0 0.01 0
15.7 0 1 2 0 0.01 0
15.2 0 1 3 0 0.02 0
14.7 0 1 4 0 0.03 0
12.3 1 0 4 1 0.03 0.02
12.2 0 1 5 1 0.03 0.02
10.2 0 1 6 1 0.04 0.02
9.9 1 0 6 2 0.04 0.04
8.6 0 1 7 2 0.05 0.04
8.5 0 1 8 2 0.05 0.04
7.6 0 1 9 2 0.06 0.04
7.6 0 1 10 2 0.07 0.04
6.8 1 0 10 3 0.07 0.06
6.7 0 1 11 3 0.07 0.06
6.2 1 0 11 4 0.07 0.08
5.9 0 1 12 4 0.08 0.08
5.5 1 0 12 5 0.08 0.1
4.7 0 1 13 5 0.09 0.1
4.6 0 1 14 5 0.09 0.1
4.5 1 0 14 6 0.09 0.12
4.3 0 1 15 6 0.10 0.12
4.2 0 1 16 6 0.11 0.12
3.9 0 1 17 6 0.11 0.12
3.9 1 0 17 7 0.11 0.14
3.9 0 1 18 7 0.12 0.14
3.2 0 1 19 7 0.13 0.14
3.1 0 1 20 7 0.13 0.14
3.0 0 1 21 7 0.14 0.14
3.0 0 1 22 7 0.15 0.14
3.0 0 1 23 7 0.15 0.14
2.9 0 1 24 7 0.16 0.14
2.6 0 1 25 7 0.17 0.14
2.6 1 0 25 8 0.17 0.16
2.4 1 0 25 9 0.17 0.18
2.4 0 1 26 9 0.17 0.18
2.4 0 1 27 9 0.18 0.18
2.3 0 1 28 9 0.19 0.18
2.3 0 1 29 9 0.19 0.18
2.2 0 1 30 9 0.20 0.18
2.2 0 1 31 9 0.21 0.18
2.2 0 1 32 9 0.21 0.18
2.1 0 1 33 9 0.22 0.18
2.1 0 1 34 9 0.23 0.18
2.1 0 1 35 9 0.23 0.18
2.0 0 1 36 9 0.24 0.18
1.9 0 1 37 9 0.25 0.18
1.8 0 1 38 9 0.25 0.18
1.8 1 0 38 10 0.25 0.2
1.8 0 1 39 10 0.26 0.2
1.8 1 0 39 11 0.26 0.22
1.8 0 1 40 11 0.27 0.22
1.7 0 1 41 11 0.27 0.22
1.7 0 1 42 11 0.28 0.22
1.7 0 1 43 11 0.29 0.22
1.7 0 1 44 11 0.29 0.22
1.5 1 0 44 12 0.29 0.24
1.5 0 1 45 12 0.30 0.24
1.4 0 1 46 12 0.31 0.24
1.4 0 1 47 12 0.31 0.24
1.4 0 1 48 12 0.32 0.24
1.4 1 0 48 13 0.32 0.26
1.4 1 0 48 14 0.32 0.28
1.4 0 1 49 14 0.33 0.28
1.4 1 0 49 15 0.33 0.3
1.4 0 1 50 15 0.33 0.3
1.3 1 0 50 16 0.33 0.32
1.3 0 1 51 16 0.34 0.32
1.3 0 1 52 16 0.35 0.32
1.3 1 0 52 17 0.35 0.34
1.3 0 1 53 17 0.35 0.34
1.3 1 0 53 18 0.35 0.36
1.3 0 1 54 18 0.36 0.36
1.3 1 0 54 19 0.36 0.38
1.3 0 1 55 19 0.37 0.38
1.2 0 1 56 19 0.37 0.38
1.2 0 1 57 19 0.38 0.38
1.2 1 0 57 20 0.38 0.4
1.1 0 1 58 20 0.39 0.4
1.1 0 1 59 20 0.39 0.4
1.1 0 1 60 20 0.40 0.4
1.1 0 1 61 20 0.41 0.4
1.1 1 0 61 21 0.41 0.42
1.1 1 0 61 22 0.41 0.44
1.1 0 1 62 22 0.41 0.44
1.0 0 1 63 22 0.42 0.44
1.0 0 1 64 22 0.43 0.44
1.0 0 1 65 22 0.43 0.44
1.0 0 1 66 22 0.44 0.44
1.0 0 1 67 22 0.45 0.44
0.9 1 0 67 23 0.45 0.46
0.9 0 1 68 23 0.45 0.46
0.9 0 1 69 23 0.46 0.46
0.9 1 0 69 24 0.46 0.48
0.8 0 1 70 24 0.47 0.48
0.8 0 1 71 24 0.47 0.48
0.8 0 1 72 24 0.48 0.48
0.8 1 0 72 25 0.48 0.5
0.8 0 1 73 25 0.49 0.5
0.8 1 0 73 26 0.49 0.52
0.8 0 1 74 26 0.49 0.52
0.8 0 1 75 26 0.50 0.52
0.7 0 1 76 26 0.51 0.52
0.7 0 1 77 26 0.51 0.52
0.7 0 1 78 26 0.52 0.52
0.7 1 0 78 27 0.52 0.54
0.7 1 0 78 28 0.52 0.56
0.7 0 1 79 28 0.53 0.56
0.6 0 1 80 28 0.53 0.56
0.6 0 1 81 28 0.54 0.56
0.6 1 0 81 29 0.54 0.58
0.6 0 1 82 29 0.55 0.58
0.6 0 1 83 29 0.55 0.58
0.6 0 1 84 29 0.56 0.58
0.6 1 0 84 30 0.56 0.6
0.6 0 1 85 30 0.57 0.6
0.6 1 0 85 31 0.57 0.62
0.5 0 1 86 31 0.57 0.62
0.5 0 1 87 31 0.58 0.62
0.5 0 1 88 31 0.59 0.62
0.5 0 1 89 31 0.59 0.62
0.5 0 1 90 31 0.60 0.62
0.4 0 1 91 31 0.61 0.62
0.3 0 1 92 31 0.61 0.62
0.3 1 0 92 32 0.61 0.64
0.3 0 1 93 32 0.62 0.64
 0.3 1 0 93 33 0.62 0.66
0.3 0 1 94 33 0.63 0.66
0.2 0 1 95 33 0.63 0.66
0.2 0 1 96 33 0.64 0.66
0.2 0 1 97 33 0.65 0.66
0.2 0 1 98 33 0.65 0.66
0.2 1 0 98 34 0.65 0.68
0.2 1 0 98 35 0.65 0.7
0.2 0 1 99 35 0.66 0.7
0.1 0 1 100 35 0.67 0.7
0.0 1 0 100 36 0.67 0.72
0.0 0 1 101 36 0.67 0.72
-0.1 0 1 102 36 0.68 0.72
-0.1 0 1 103 36 0.69 0.72
-0.1 0 1 104 36 0.69 0.72
-0.2 0 1 105 36 0.70 0.72
-0.2 1 0 105 37 0.70 0.74
-0.2 0 1 106 37 0.71 0.74
-0.2 1 0 106 38 0.71 0.76
-0.3 0 1 107 38 0.71 0.76
-0.3 0 1 108 38 0.72 0.76
-0.4 0 1 109 38 0.73 0.76
-0.4 0 1 110 38 0.73 0.76
-0.5 0 1 111 38 0.74 0.76
-0.5 0 1 112 38 0.75 0.76
-0.6 0 1 113 38 0.75 0.76
-0.6 0 1 114 38 0.76 0.76
-0.6 1 0 114 39 0.76 0.78
-0.6 0 1 115 39 0.77 0.78
-0.6 0 1 116 39 0.77 0.78
-0.7 0 1 117 39 0.78 0.78
-0.7 0 1 118 39 0.79 0.78
-0.7 0 1 119 39 0.79 0.78
-0.7 0 1 120 39 0.80 0.78
-0.8 1 0 120 40 0.80 0.8
-0.9 0 1 121 40 0.81 0.8
-0.9 0 1 122 40 0.81 0.8
-1.0 1 0 122 41 0.81 0.82
-1.2 0 1 123 41 0.82 0.82
-1.3 0 1 124 41 0.83 0.82
-1.4 0 1 125 41 0.83 0.82
-1.5 0 1 126 41 0.84 0.82
 -1.5 0 1 127 41 0.85 0.82
-1.5 0 1 128 41 0.85 0.82
-1.5 0 1 129 41 0.86 0.82
-1.6 0 1 130 41 0.87 0.82
-1.6 1 0 130 42 0.87 0.84
-1.6 0 1 131 42 0.87 0.84
-1.7 0 1 132 42 0.88 0.84
-1.8 0 1 133 42 0.89 0.84
-1.8 0 1 134 42 0.89 0.84
-1.8 1 0 134 43 0.89 0.86
-2.0 0 1 135 43 0.90 0.86
-2.0 0 1 136 43 0.91 0.86
-2.1 1 0 136 44 0.91 0.88
-2.1 1 0 136 45 0.91 0.9
-2.2 0 1 137 45 0.91 0.9
-2.4 0 1 138 45 0.92 0.9
-2.5 0 1 139 45 0.93 0.9
-3.0 1 0 139 46 0.93 0.92
-3.1 0 1 140 46 0.93 0.92
-3.3 0 1 141 46 0.94 0.92
-3.7 0 1 142 46 0.95 0.92
-3.8 0 1 143 46 0.95 0.92
-3.9 0 1 144 46 0.96 0.92
-4.6 1 0 144 47 0.96 0.94
-6.3 0 1 145 47 0.97 0.94
-7.5 1 0 145 48 0.97 0.96
-8.6 1 0 145 49 0.97 0.98
-8.9 0 1 146 49 0.97 0.98
-10.4 0 1 147 49 0.98 0.98
-22.5 0 1 148 49 0.99 0.98
-49.4 1 0 148 50 0.99 1
-57.0 0 1 149 50 0.99 1
-89.1 0 1 150 50 1.00 1
50 150 300 100
0.01 0 0
0.01 0 0
0.01 0 0
0.01 0 0
0.00 0.01 0
0.01 0.02 0.00013333
0.01 0.02 0.00013333
0.00 0.03 0
0.01 0.04 0.00026667
0.01 0.04 0.00026667
0.01 0.04 0.00026667
0.01 0.04 0.00026667
0.00 0.05 0
0.01 0.06 0.0004
0.00 0.07 0
0.01 0.08 0.00053333
0.00 0.09 0
0.01 0.1 0.00066667
0.01 0.1 0.00066667
0.00 0.11 0
0.01 0.12 0.0008
0.01 0.12 0.0008
0.01 0.12 0.0008
0.00 0.13 0
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.00 0.15 0
0.00 0.17 0
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.01 0.18 0.0012
0.00 0.19 0
0.01 0.2 0.00133333
0.00 0.21 0
0.01 0.22 0.00146667
0.01 0.22 0.00146667
0.01 0.22 0.00146667
0.01 0.22 0.00146667
0.01 0.22 0.00146667
0.00 0.23 0
0.01 0.24 0.0016
0.01 0.24 0.0016
0.01 0.24 0.0016
0.01 0.24 0.0016
0.00 0.25 0
0.00 0.27 0
0.01 0.28 0.00186667
0.00 0.29 0
0.01 0.3 0.002
0.00 0.31 0
0.01 0.32 0.00213333
0.01 0.32 0.00213333
0.00 0.33 0
0.01 0.34 0.00226667
0.00 0.35 0
0.01 0.36 0.0024
0.00 0.37 0
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.00 0.39 0
0.01 0.4 0.00266667
0.01 0.4 0.00266667
0.01 0.4 0.00266667
0.01 0.4 0.00266667
0.00 0.41 0
0.00 0.43 0
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.00 0.45 0
0.01 0.46 0.00306667
0.01 0.46 0.00306667
0.00 0.47 0
0.01 0.48 0.0032
0.01 0.48 0.0032
0.01 0.48 0.0032
0.00 0.49 0
0.01 0.5 0.00333333
0.00 0.51 0
0.01 0.52 0.00346667
0.01 0.52 0.00346667
0.01 0.52 0.00346667
0.01 0.52 0.00346667
0.01 0.52 0.00346667
0.00 0.53 0
0.00 0.55 0
0.01 0.56 0.00373333
0.01 0.56 0.00373333
0.01 0.56 0.00373333
0.00 0.57 0
0.01 0.58 0.00386667
0.01 0.58 0.00386667
0.01 0.58 0.00386667
0.00 0.59 0
0.01 0.6 0.004
0.00 0.61 0
0.01 0.62 0.00413333
0.01 0.62 0.00413333
0.01 0.62 0.00413333
0.01 0.62 0.00413333
0.01 0.62 0.00413333
0.01 0.62 0.00413333
0.01 0.62 0.00413333
0.00 0.63 0
0.01 0.64 0.00426667
0.00 0.65 0
0.01 0.66 0.0044
0.01 0.66 0.0044
0.01 0.66 0.0044
0.01 0.66 0.0044
0.01 0.66 0.0044
0.00 0.67 0
0.00 0.69 0
0.01 0.7 0.00466667
0.01 0.7 0.00466667
0.00 0.71 0
0.01 0.72 0.0048
0.01 0.72 0.0048
0.01 0.72 0.0048
0.01 0.72 0.0048
0.01 0.72 0.0048
0.00 0.73 0
0.01 0.74 0.00493333
0.00 0.75 0
0.01 0.76 0.00506667
0.01 0.76 0.00506667
0.01 0.76 0.00506667
0.01 0.76 0.00506667
0.01 0.76 0.00506667
0.01 0.76 0.00506667
0.01 0.76 0.00506667
0.01 0.76 0.00506667
0.00 0.77 0
0.01 0.78 0.0052
0.01 0.78 0.0052
0.01 0.78 0.0052
0.01 0.78 0.0052
0.01 0.78 0.0052
0.01 0.78 0.0052
0.00 0.79 0
0.01 0.8 0.00533333
0.01 0.8 0.00533333
0.00 0.81 0
0.01 0.82 0.00546667
0.01 0.82 0.00546667
0.01 0.82 0.00546667
0.01 0.82 0.00546667
0.01 0.82 0.00546667
0.01 0.82 0.00546667
0.01 0.82 0.00546667
0.01 0.82 0.00546667
0.00 0.83 0
0.01 0.84 0.0056
0.01 0.84 0.0056
Chart Title
0.01 0.84 0.0056
0.01 0.84 0.0056 1.2
0.00 0.85 0
1
0.01 0.86 0.00573333
0.01 0.86 0.00573333 0.8
0.00 0.87 0
0.6
0.00 0.89 0
0.01 0.9 0.006 0.4
0.01 0.9 0.006 0.2
0.01 0.9 0.006
0.00 0.91 0 0
0.010.060.100.160.210.270.320.350.410.450.500.550.600.65
0.01 0.92 0.00613333
Column F Column G
0.01 0.92 0.00613333
0.01 0.92 0.00613333
0.01 0.92 0.00613333
0.01 0.92 0.00613333
0.00 0.93 0
0.01 0.94 0.00626667
0.00 0.95 0
0.00 0.97 0
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.00 0.99 0
0.01 1 0.00666667
0.01 1 0.00666667
0.49733333
 Chart Title

.210.270.320.350.410.450.500.550.600.650.700.750.810.870.910.96

Column F Column G
Score Binary outco Reversed OutFalse PostivesTrue Positivesx y
47.54 1 0 0 1 0.00 0.02
14.48 1 0 0 2 0.00 0.04
12.36 1 0 0 3 0.00 0.06
11.02 0 1 1 3 0.01 0.06
9.90 0 1 2 3 0.01 0.06
8.86 0 1 3 3 0.02 0.06
7.06 0 1 4 3 0.03 0.06
6.41 1 0 4 4 0.03 0.08
6.29 0 1 5 4 0.03 0.08
6.20 0 1 6 4 0.04 0.08
6.18 0 1 7 4 0.05 0.08
5.81 0 1 8 4 0.05 0.08
5.77 0 1 9 4 0.06 0.08
5.61 0 1 10 4 0.07 0.08
5.45 0 1 11 4 0.07 0.08
5.33 0 1 12 4 0.08 0.08
5.27 0 1 13 4 0.09 0.08
4.78 0 1 14 4 0.09 0.08
4.64 0 1 15 4 0.10 0.08
4.57 1 0 15 5 0.10 0.1
4.47 0 1 16 5 0.11 0.1
4.36 0 1 17 5 0.11 0.1
4.08 0 1 18 5 0.12 0.1
3.95 0 1 19 5 0.13 0.1
3.80 1 0 19 6 0.13 0.12
3.73 0 1 20 6 0.13 0.12
3.72 0 1 21 6 0.14 0.12
3.63 0 1 22 6 0.15 0.12
3.15 1 0 22 7 0.15 0.14
3.06 0 1 23 7 0.15 0.14
3.05 0 1 24 7 0.16 0.14
3.03 0 1 25 7 0.17 0.14
2.69 1 0 25 8 0.17 0.16
2.67 0 1 26 8 0.17 0.16
2.62 0 1 27 8 0.18 0.16
2.55 0 1 28 8 0.19 0.16
2.37 0 1 29 8 0.19 0.16
2.35 0 1 30 8 0.20 0.16
2.34 0 1 31 8 0.21 0.16
2.23 0 1 32 8 0.21 0.16
2.20 0 1 33 8 0.22 0.16
2.17 1 0 33 9 0.22 0.18
2.16 0 1 34 9 0.23 0.18
2.06 1 0 34 10 0.23 0.2
2.06 0 1 35 10 0.23 0.2
2.06 0 1 36 10 0.24 0.2
2.05 0 1 37 10 0.25 0.2
2.04 0 1 38 10 0.25 0.2
2.02 0 1 39 10 0.26 0.2
1.92 1 0 39 11 0.26 0.22
1.92 0 1 40 11 0.27 0.22
1.87 0 1 41 11 0.27 0.22
1.84 1 0 41 12 0.27 0.24
1.84 0 1 42 12 0.28 0.24
1.76 0 1 43 12 0.29 0.24
1.62 1 0 43 13 0.29 0.26
1.58 0 1 44 13 0.29 0.26
1.55 0 1 45 13 0.30 0.26
1.54 0 1 46 13 0.31 0.26
1.51 0 1 47 13 0.31 0.26
1.49 0 1 48 13 0.32 0.26
1.49 0 1 49 13 0.33 0.26
1.44 0 1 50 13 0.33 0.26
1.36 0 1 51 13 0.34 0.26
1.34 0 1 52 13 0.35 0.26
1.32 0 1 53 13 0.35 0.26
1.32 0 1 54 13 0.36 0.26
1.27 0 1 55 13 0.37 0.26
1.26 0 1 56 13 0.37 0.26
1.24 1 0 56 14 0.37 0.28
1.22 1 0 56 15 0.37 0.3
1.20 1 0 56 16 0.37 0.32
1.18 0 1 57 16 0.38 0.32
1.17 0 1 58 16 0.39 0.32
1.17 1 0 58 17 0.39 0.34
1.13 0 1 59 17 0.39 0.34
1.13 0 1 60 17 0.40 0.34
1.09 0 1 61 17 0.41 0.34
1.08 0 1 62 17 0.41 0.34
1.07 0 1 63 17 0.42 0.34
1.06 0 1 64 17 0.43 0.34
1.05 0 1 65 17 0.43 0.34
1.05 0 1 66 17 0.44 0.34
1.04 1 0 66 18 0.44 0.36
1.03 0 1 67 18 0.45 0.36
0.99 0 1 68 18 0.45 0.36
0.99 0 1 69 18 0.46 0.36
0.99 0 1 70 18 0.47 0.36
0.99 0 1 71 18 0.47 0.36
0.98 1 0 71 19 0.47 0.38
0.98 0 1 72 19 0.48 0.38
0.98 0 1 73 19 0.49 0.38
0.91 0 1 74 19 0.49 0.38
0.88 0 1 75 19 0.50 0.38
0.88 0 1 76 19 0.51 0.38
0.87 0 1 77 19 0.51 0.38
0.85 0 1 78 19 0.52 0.38
0.84 0 1 79 19 0.53 0.38
0.83 0 1 80 19 0.53 0.38
0.82 1 0 80 20 0.53 0.4
0.81 1 0 80 21 0.53 0.42
0.81 0 1 81 21 0.54 0.42
0.79 1 0 81 22 0.54 0.44
0.78 0 1 82 22 0.55 0.44
0.78 0 1 83 22 0.55 0.44
0.78 0 1 84 22 0.56 0.44
0.77 0 1 85 22 0.57 0.44
0.76 0 1 86 22 0.57 0.44
0.75 0 1 87 22 0.58 0.44
0.75 1 0 87 23 0.58 0.46
0.72 0 1 88 23 0.59 0.46
0.71 1 0 88 24 0.59 0.48
0.71 1 0 88 25 0.59 0.5
0.68 0 1 89 25 0.59 0.5
0.66 0 1 90 25 0.60 0.5
0.65 0 1 91 25 0.61 0.5
0.64 0 1 92 25 0.61 0.5
0.61 1 0 92 26 0.61 0.52
0.61 1 0 92 27 0.61 0.54
0.61 1 0 92 28 0.61 0.56
0.58 0 1 93 28 0.62 0.56
0.57 0 1 94 28 0.63 0.56
0.52 1 0 94 29 0.63 0.58
0.51 1 0 94 30 0.63 0.6
0.49 1 0 94 31 0.63 0.62
 0.49 1 0 94 32 0.63 0.64
0.43 0 1 95 32 0.63 0.64
0.41 0 1 96 32 0.64 0.64
0.39 1 0 96 33 0.64 0.66
0.37 0 1 97 33 0.65 0.66
0.36 0 1 98 33 0.65 0.66
0.35 0 1 99 33 0.66 0.66
0.30 1 0 99 34 0.66 0.68
0.25 0 1 100 34 0.67 0.68
0.23 0 1 101 34 0.67 0.68
0.23 1 0 101 35 0.67 0.7
0.19 0 1 102 35 0.68 0.7
0.19 1 0 102 36 0.68 0.72
0.17 0 1 103 36 0.69 0.72
0.15 0 1 104 36 0.69 0.72
0.15 0 1 105 36 0.70 0.72
0.14 0 1 106 36 0.71 0.72
0.11 1 0 106 37 0.71 0.74
0.08 0 1 107 37 0.71 0.74
0.06 1 0 107 38 0.71 0.76
0.02 0 1 108 38 0.72 0.76
0.00 1 0 108 39 0.72 0.78
-0.01 0 1 109 39 0.73 0.78
-0.01 0 1 110 39 0.73 0.78
-0.10 0 1 111 39 0.74 0.78
-0.11 1 0 111 40 0.74 0.8
-0.11 0 1 112 40 0.75 0.8
-0.33 0 1 113 40 0.75 0.8
-0.38 0 1 114 40 0.76 0.8
-0.40 0 1 115 40 0.77 0.8
-0.41 0 1 116 40 0.77 0.8
-0.44 0 1 117 40 0.78 0.8
-0.45 1 0 117 41 0.78 0.82
-0.51 1 0 117 42 0.78 0.84
-0.55 0 1 118 42 0.79 0.84
-0.56 0 1 119 42 0.79 0.84
-0.59 0 1 120 42 0.80 0.84
-0.60 0 1 121 42 0.81 0.84
-0.62 1 0 121 43 0.81 0.86
-0.80 0 1 122 43 0.81 0.86
-0.84 0 1 123 43 0.82 0.86
-0.93 1 0 123 44 0.82 0.88
 -0.98 0 1 124 44 0.83 0.88
-1.04 1 0 124 45 0.83 0.9
-1.07 0 1 125 45 0.83 0.9
-1.13 0 1 126 45 0.84 0.9
-1.18 0 1 127 45 0.85 0.9
-1.21 0 1 128 45 0.85 0.9
-1.35 0 1 129 45 0.86 0.9
-1.46 0 1 130 45 0.87 0.9
-1.50 0 1 131 45 0.87 0.9
-1.67 0 1 132 45 0.88 0.9
-1.74 0 1 133 45 0.89 0.9
-1.84 1 0 133 46 0.89 0.92
-1.92 0 1 134 46 0.89 0.92
-1.92 1 0 134 47 0.89 0.94
-2.08 0 1 135 47 0.90 0.94
-2.09 0 1 136 47 0.91 0.94
-2.27 1 0 136 48 0.91 0.96
-2.32 0 1 137 48 0.91 0.96
-2.34 0 1 138 48 0.92 0.96
-2.38 0 1 139 48 0.93 0.96
-2.92 0 1 140 48 0.93 0.96
-3.31 0 1 141 48 0.94 0.96
-3.90 0 1 142 48 0.95 0.96
-3.93 0 1 143 48 0.95 0.96
-5.60 1 0 143 49 0.95 0.98
-6.03 0 1 144 49 0.96 0.98
-6.81 0 1 145 49 0.97 0.98
-7.33 0 1 146 49 0.97 0.98
-7.39 0 1 147 49 0.98 0.98
-8.63 0 1 148 49 0.99 0.98
-12.91 0 1 149 49 0.99 0.98
-29.99 0 1 150 49 1.00 0.98
-330.93 1 0 150 50 1.00 1
50 150
0.00 0.01 0
0.00 0.03 0
0.00 0.05 0 Chart Tit
0.01 0.06 0.0004
0.01 0.06 0.0004 1.2

0.01 0.06 0.0004

1
0.01 0.06 0.0004
0.00 0.07 0 0.8
0.01 0.08 0.00053333
0.01 0.08 0.00053333 0.6
0.01 0.08 0.00053333
0.4
0.01 0.08 0.00053333
0.01 0.08 0.00053333
0.2
0.01 0.08 0.00053333
0.01 0.08 0.00053333 0
0.00 0.20 0.40 0.60
0.01 0.08 0.00053333
0.01 0.08 0.00053333
0.01 0.08 0.00053333
0.01 0.08 0.00053333
0.00 0.09 0
0.01 0.1 0.00066667
0.01 0.1 0.00066667
0.01 0.1 0.00066667
0.01 0.1 0.00066667
0.00 0.11 0
0.01 0.12 0.0008
0.01 0.12 0.0008
0.01 0.12 0.0008
0.00 0.13 0
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.01 0.14 0.00093333
0.00 0.15 0
0.01 0.16 0.00106667
0.01 0.16 0.00106667
0.01 0.16 0.00106667
0.01 0.16 0.00106667
0.01 0.16 0.00106667
0.01 0.16 0.00106667
0.01 0.16 0.00106667
0.01 0.16 0.00106667
0.00 0.17 0
0.01 0.18 0.0012
0.00 0.19 0
0.01 0.2 0.00133333
0.01 0.2 0.00133333
0.01 0.2 0.00133333
0.01 0.2 0.00133333
0.01 0.2 0.00133333
0.00 0.21 0
0.01 0.22 0.00146667
0.01 0.22 0.00146667
0.00 0.23 0
0.01 0.24 0.0016
0.01 0.24 0.0016
0.00 0.25 0
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.01 0.26 0.00173333
0.00 0.27 0
0.00 0.29 0
0.00 0.31 0
0.01 0.32 0.00213333
0.01 0.32 0.00213333
0.00 0.33 0
0.01 0.34 0.00226667
0.01 0.34 0.00226667
0.01 0.34 0.00226667
0.01 0.34 0.00226667
0.01 0.34 0.00226667
0.01 0.34 0.00226667
0.01 0.34 0.00226667
0.01 0.34 0.00226667
0.00 0.35 0
0.01 0.36 0.0024
0.01 0.36 0.0024
0.01 0.36 0.0024
0.01 0.36 0.0024
0.01 0.36 0.0024
0.00 0.37 0
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.01 0.38 0.00253333
0.00 0.39 0
0.00 0.41 0
0.01 0.42 0.0028
0.00 0.43 0
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.01 0.44 0.00293333
0.00 0.45 0
0.01 0.46 0.00306667
0.00 0.47 0
0.00 0.49 0
0.01 0.5 0.00333333
0.01 0.5 0.00333333
0.01 0.5 0.00333333
0.01 0.5 0.00333333
0.00 0.51 0
0.00 0.53 0
0.00 0.55 0
0.01 0.56 0.00373333
0.01 0.56 0.00373333
0.00 0.57 0
0.00 0.59 0
0.00 0.61 0
0.00 0.63 0
0.01 0.64 0.00426667
0.01 0.64 0.00426667
0.00 0.65 0
0.01 0.66 0.0044
0.01 0.66 0.0044
0.01 0.66 0.0044
0.00 0.67 0
0.01 0.68 0.00453333
0.01 0.68 0.00453333
0.00 0.69 0
0.01 0.7 0.00466667
0.00 0.71 0
0.01 0.72 0.0048
0.01 0.72 0.0048
0.01 0.72 0.0048
0.01 0.72 0.0048
0.00 0.73 0
0.01 0.74 0.00493333
0.00 0.75 0
0.01 0.76 0.00506667
0.00 0.77 0
0.01 0.78 0.0052
0.01 0.78 0.0052
0.01 0.78 0.0052
0.00 0.79 0
0.01 0.8 0.00533333
0.01 0.8 0.00533333
0.01 0.8 0.00533333
0.01 0.8 0.00533333
0.01 0.8 0.00533333
0.01 0.8 0.00533333
0.00 0.81 0
0.00 0.83 0
0.01 0.84 0.0056
0.01 0.84 0.0056
0.01 0.84 0.0056
0.01 0.84 0.0056
0.00 0.85 0
0.01 0.86 0.00573333
0.01 0.86 0.00573333
0.00 0.87 0
0.01 0.88 0.00586667
0.00 0.89 0
0.01 0.9 0.006
0.01 0.9 0.006
0.01 0.9 0.006
0.01 0.9 0.006
0.01 0.9 0.006
0.01 0.9 0.006
0.01 0.9 0.006
0.01 0.9 0.006
0.01 0.9 0.006
0.00 0.91 0
0.01 0.92 0.00613333
0.00 0.93 0
0.01 0.94 0.00626667
0.01 0.94 0.00626667
0.00 0.95 0
0.01 0.96 0.0064
0.01 0.96 0.0064
0.01 0.96 0.0064
0.01 0.96 0.0064
0.01 0.96 0.0064
0.01 0.96 0.0064
0.01 0.96 0.0064
0.00 0.97 0
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.01 0.98 0.00653333
0.00 0.99 0
0.47706667
 Chart Title

.40 0.60 0.80 1.00 1.20

Test Set of Second 200 Applicants

Raw Data
Unique Applicant ID Age Years at Employer
201 25.92 0.35
202 27.80 4.47
203 37.33 9.30
204 28.00 8.43
205 39.24 5.40
206 30.67 7.81
207 36.13 0.20
208 28.88 4.30
209 35.01 9.82
210 43.38 10.25
211 34.41 10.46
212 32.45 1.14
213 38.78 13.63
214 29.14 10.58
215 42.00 4.60
216 36.86 15.14
217 38.33 12.22
218 27.54 5.38
219 30.22 1.35
220 24.24 5.91
221 42.37 19.71
222 30.48 9.23
223 26.47 2.27
224 30.16 13.79
225 16.67 0.02
226 41.89 6.61
227 41.88 22.25
228 42.35 12.14
229 40.49 17.78
230 24.03 2.30
231 49.28 30.50
232 34.36 6.58
233 48.59 22.96
234 44.67 13.92
235 44.51 19.27
236 39.81 3.48
237 18.19 0.21
238 34.44 9.43
239 27.04 2.24
240 31.87 14.53
241 48.07 22.90
242 30.13 5.36
243 39.76 8.23
244 49.03 15.38
245 47.29 6.75
246 26.95 3.05
247 24.91 7.41
248 33.15 2.62
249 22.74 2.95
250 33.12 0.84
251 19.98 1.47
252 25.55 2.12
253 41.47 18.07
254 28.86 0.66
255 34.99 0.69
256 30.33 5.50
257 39.73 9.62
258 20.93 3.05
259 35.72 2.51
260 32.47 14.76
261 31.49 13.87
262 47.14 2.43
263 28.94 4.65
264 34.56 13.89
265 39.92 13.19
266 34.70 16.66
267 33.83 9.69
268 35.07 7.84
269 32.38 1.68
270 45.64 16.93
271 23.64 3.67
272 28.76 7.64
273 25.47 3.08
274 29.88 2.43
275 23.68 3.32
276 28.01 7.17
277 41.87 7.50
278 49.48 8.71
279 32.19 3.46
280 36.41 0.87
281 45.19 8.43
282 34.81 17.99
283 44.97 17.07
284 31.76 14.69
285 34.69 5.51
286 28.49 9.17
287 25.62 2.77
288 34.33 9.28
289 37.80 0.14
290 27.85 5.72
291 17.01 0.67
292 39.68 20.88
293 34.75 8.69
294 26.08 2.38
295 42.04 7.53
296 36.86 15.02
297 37.65 15.01
298 32.68 12.32
299 37.33 23.03
300 32.18 5.45
301 47.49 1.56
302 26.64 2.62
303 23.36 1.50
304 43.93 6.98
305 33.61 11.65
306 52.28 1.28
307 43.88 17.05
308 38.30 16.62
309 35.98 9.85
310 28.72 10.61
311 45.33 1.49
312 25.78 1.22
313 40.11 7.25
314 22.21 7.11
315 30.43 2.40
316 25.50 6.44
317 36.18 5.34
318 45.42 23.10
319 34.73 13.66
320 22.78 0.17
321 31.15 11.09
322 42.00 32.64
323 38.50 14.25
324 48.83 18.39
325 47.26 22.77
326 46.35 11.24
327 19.99 5.82
328 35.88 14.32
329 36.80 8.82
330 30.08 11.45
331 44.28 18.08
332 44.11 27.77
333 28.15 9.86
334 18.92 0.26
335 38.69 13.82
336 31.92 1.87
337 31.93 6.35
338 32.84 10.64
339 28.82 5.36
340 59.20 18.40
341 23.55 6.20
342 23.47 0.05
343 37.31 4.49
344 41.45 10.06
345 29.50 1.81
346 30.75 5.33
347 38.15 6.61
348 37.32 14.80
349 30.73 4.18
350 19.22 0.47
351 30.12 10.74
352 40.83 9.13
353 26.76 3.13
354 48.78 10.30
355 30.63 6.60
356 37.22 2.82
357 36.18 20.89
358 28.14 0.88
359 39.06 5.52
360 37.46 6.55
361 35.88 11.05
362 34.46 2.76
363 40.93 25.45
364 32.38 9.58
365 48.70 23.33
366 30.58 3.75
367 30.88 0.26
368 50.31 15.57
369 41.90 2.53
370 28.94 1.10
371 29.35 14.10
372 29.18 2.14
373 26.21 0.73
374 27.55 12.06
375 43.06 4.69
376 23.48 4.40
377 53.54 14.04
378 23.21 1.02
379 44.71 22.82
380 39.96 11.88
381 27.13 0.32
382 45.85 2.56
383 30.38 7.74
384 38.77 22.30
385 35.90 18.83
386 32.75 0.62
387 37.26 10.72
388 43.72 13.61
389 56.21 12.49
390 45.36 16.63
391 29.01 7.56
392 25.60 3.32
393 34.51 1.73
394 44.62 22.76
 395 38.84 15.15
396 49.66 16.02
397 23.78 2.97
398 32.84 3.97
399 43.89 13.97
400 41.33 6.56

mean 34.92 8.90

standard deviation 8.27 6.94

Years at Address Income Credit Card Debt Automobile Debt
0.24 $12,181 -$2,057 -$3,696
0.37 $38,536 -$6,970 -$3,018
0.02 $30,602 -$2,892 -$1,674
1.06 $15,588 -$38 -$1,758
0.74 $27,599 -$776 -$4,374
2.47 $16,575 -$833 -$3,200
0.95 $30,115 -$245 $1,215
0.21 $39,699 -$504 -$2,298
1.67 $30,621 -$831 -$2,706
0.57 $54,601 -$1,861 -$4,449
0.48 $32,727 -$2,379 -$6,656
0.83 $20,581 -$120 -$3,642
0.95 $43,637 -$665 -$217
0.70 $54,917 -$9,304 -$10,579
0.53 $37,702 -$3,196 -$8,647
1.23 $41,991 -$466 -$258
1.18 $62,889 -$3,391 -$4,983
0.13 $27,477 -$581 -$4,857
0.37 $25,277 -$1,109 -$3,673
1.21 $44,922 -$12,089 -$11,256
0.12 $65,417 -$3,026 -$6,582
1.12 $58,409 -$12,006 -$12,116
0.72 $19,708 -$577 -$1,627
1.05 $36,702 -$579 -$1,392
0.66 $19,836 -$168 -$2,317
1.15 $18,651 -$820 -$4,042
2.18 $122,142 -$2,690 -$3,535
0.95 $81,970 -$2,520 -$2,698
0.87 $177,437 -$22,722 -$10,576
0.53 $26,688 -$1,800 -$1,898
0.55 $100,877 -$3,766 -$10,456
3.07 $31,822 -$241 -$8,407
1.16 $81,549 -$586 -$11,416
0.41 $55,271 -$3,110 -$14,360
0.39 $94,642 -$4,417 -$9,770
0.48 $23,456 -$1,415 -$3,746
0.43 $16,186 -$1,716 -$4,128
0.74 $42,971 -$1,771 -$8,394
0.16 $10,966 -$1,662 -$2,910
0.18 $38,346 -$314 -$3,390
1.39 $140,039 -$6,669 -$26,622
0.28 $23,222 -$207 -$962
1.75 $33,102 -$1,212 $589
0.45 $225,132 -$31,439 -$47,021
1.29 $32,693 -$3,880 -$3,487
1.94 $42,342 -$11,771 -$8,483
0.55 $19,124 -$740 -$2,415
0.87 $26,733 -$3,685 -$3,301
0.15 $34,396 -$666 -$11,683
0.33 $28,570 -$3,395 -$3,842
0.68 $15,304 -$140 -$2,862
0.96 $12,670 -$1,331 -$1,439
2.25 $72,444 -$13,029 -$9,880
1.03 $17,438 -$673 -$609
0.71 $31,937 -$2,756 -$4,146
1.39 $23,034 -$483 -$1,782
0.23 $37,849 -$5,312 -$4,687
1.21 $22,989 -$659 -$532
1.13 $30,095 -$624 -$5,566
0.00 $29,222 -$983 -$2,055
0.25 $53,946 -$5,357 -$18,444
2.52 $31,928 -$5,594 -$8,242
0.55 $37,255 -$6,297 -$11,865
0.97 $77,486 -$3,489 -$8,333
0.24 $101,665 -$12,450 -$25,526
1.80 $54,845 -$1,610 -$4,500
0.26 $58,632 -$6,353 -$11,291
0.93 $26,497 -$964 -$1,309
0.13 $38,102 -$1,226 -$1,649
0.29 $77,523 -$8,984 -$10,935
0.79 $19,567 -$681 -$3,838
0.46 $24,633 -$1,016 -$3,727
0.25 $16,515 -$2,573 -$6,719
0.90 $16,495 -$266 $1,127
0.58 $35,399 -$334 -$2,881
0.55 $21,383 -$1,388 -$3,139
0.55 $43,723 -$1,306 -$1,129
0.27 $68,045 -$2,566 -$11,141
1.56 $54,010 -$394 -$1,573
0.70 $24,453 -$738 -$2,565
0.25 $69,448 -$1,557 -$7,388
0.13 $52,717 -$1,727 -$10,154
1.36 $30,033 -$4,352 -$9,669
1.18 $27,609 -$387 -$1,071
0.60 $29,259 -$2,330 -$5,089
1.03 $31,946 -$1,897 -$2,349
0.09 $38,753 -$1,647 -$2,679
1.84 $33,108 -$112 -$1,513
1.21 $26,062 -$472 -$3,532
0.49 $59,484 -$4,055 -$18,061
0.72 $18,195 -$1,001 -$2,136
1.30 $75,202 -$13,974 -$17,537
1.78 $45,688 -$2,364 -$5,004
0.95 $22,707 -$1,541 $361
0.45 $22,080 -$401 -$1,754
0.70 $40,213 -$5,712 -$8,997
0.63 $35,803 -$900 -$3,194
0.26 $39,621 -$335 -$1,878
0.70 $94,114 -$1,187 -$24,603
2.01 $55,883 -$884 -$2,477
0.16 $31,969 -$944 -$987
2.30 $24,192 -$758 -$1,265
0.51 $45,733 -$1,897 -$1,583
0.45 $29,017 -$2,068 -$7,051
0.69 $41,204 -$3,102 -$5,431
0.23 $21,336 -$60 -$1,374
1.15 $77,605 -$1,809 -$6,143
0.40 $90,963 -$326 $526
0.45 $30,317 -$32 -$1,586
1.02 $27,053 $18 $119
1.20 $19,030 -$2,925 -$2,597
2.01 $19,359 -$268 $501
0.51 $61,050 -$8,079 -$17,483
0.08 $32,151 -$1,062 -$2,443
0.13 $23,164 -$827 -$3,204
1.05 $25,686 -$665 -$2,279
1.83 $30,213 -$3,694 -$6,361
0.66 $106,131 -$7,420 -$10,170
0.31 $55,466 -$790 -$365
1.42 $24,004 -$735 -$2,055
0.04 $47,486 -$5,786 -$5,960
0.62 $135,739 -$28,424 -$33,439
0.24 $28,179 -$1,161 -$3,524
0.40 $159,471 -$2,001 -$7,777
0.75 $78,772 -$3,113 -$6,375
1.54 $53,444 -$1,318 -$13,743
0.77 $31,316 -$1,258 -$2,935
1.30 $37,658 -$2,163 -$11,673
0.29 $29,432 -$1,401 -$2,951
1.27 $22,685 -$33 -$423
1.88 $45,551 -$1,123 -$2,546
0.40 $73,705 -$8,806 -$6,160
0.24 $38,970 -$4,145 -$4,004
0.10 $35,812 -$1,545 -$6,057
0.03 $45,549 -$5,726 -$6,517
0.60 $30,809 -$2,953 -$9,666
0.70 $30,535 -$5,067 -$4,062
0.79 $26,949 -$786 -$522
1.45 $75,578 -$6,243 -$23,220
0.77 $77,925 -$8,883 -$15,817
0.07 $19,433 -$1,545 -$2,135
0.81 $16,046 -$373 -$2,355
0.73 $31,273 -$2,728 -$10,612
1.55 $34,536 -$1,382 -$4,515
0.51 $36,932 -$3,148 -$8,909
0.90 $33,180 -$6,569 -$7,792
1.71 $65,964 -$1,932 -$15,638
0.21 $90,365 -$4,704 -$42,456
0.08 $30,434 -$4,922 -$8,632
0.69 $26,732 -$3,140 -$127
0.66 $31,905 -$2,744 -$1,409
0.19 $29,373 -$330 -$4,321
0.45 $22,083 -$588 $446
1.86 $31,598 -$1,124 -$2,421
0.72 $16,402 -$32 -$941
0.47 $28,101 -$547 -$2,219
0.16 $55,182 -$2,325 -$758
0.93 $27,325 -$4,517 -$13,525
1.38 $24,032 -$1,828 -$3,338
0.43 $59,164 -$1,661 -$2,733
0.65 $89,666 -$5,493 -$25,329
0.51 $38,271 -$2,167 -$8,003
0.55 $246,981 -$3,320 -$10,467
0.42 $31,816 -$2,717 -$4,728
0.99 $67,103 -$7,936 -$5,607
0.85 $52,642 -$4,373 -$2,764
0.17 $22,260 -$809 $138
0.44 $62,267 -$3,663 -$6,063
0.57 $27,757 -$2,936 -$1,667
0.74 $16,520 -$2,139 -$3,523
0.10 $42,473 -$2,903 -$2,887
1.95 $42,566 -$948 $750
2.24 $17,692 -$654 -$3,789
1.94 $27,840 -$121 $8
0.86 $29,562 -$134 -$1,865
1.49 $22,893 -$791 -$1,472
0.89 $50,923 -$871 -$641
0.15 $15,094 -$176 -$556
1.17 $87,642 -$2,572 -$17,850
0.10 $86,131 -$10,019 -$35,982
1.91 $15,519 -$1,141 -$5,535
0.24 $42,965 -$757 -$2,554
1.23 $34,103 -$591 -$7,260
1.27 $55,033 -$1,141 -$286
0.40 $59,837 -$2,138 -$5,044
0.95 $25,931 -$298 -$2,751
1.57 $31,601 -$2,302 -$20,103
1.90 $185,557 -$4,674 -$8,334
0.45 $233,589 -$14,614 -$20,248
1.32 $59,546 -$4,848 -$13,623
0.04 $37,508 $83 -$1,555
0.47 $34,757 -$838 -$5,385
1.77 $29,833 -$5,502 -$5,496
1.10 $50,645 -$979 -$2,409
1.02 $72,908 -$2,221 $361
0.24 $70,526 -$3,100 -$13,605
0.70 $17,318 -$122 $104
0.75 $29,403 -$442 -$3,908
0.08 $43,730 -$244 -$2,535
1.41 $53,666 -$1,228 -$10,751

0.82 46664.95 -2968.19 -6239.38

0.60 36739.99 4198.46 7308.15

 Standardized Data
Outcomes: Default = 1 Unique Applicant ID Age
1 201 -1.09
1 202 -0.86
0 203 0.29
0 204 -0.84
0 205 0.52
0 206 -0.51
1 207 0.15
1 208 -0.73
0 209 0.01
0 210 1.02
0 211 -0.06
0 212 -0.30
0 213 0.47
0 214 -0.70
1 215 0.86
0 216 0.24
0 217 0.41
0 218 -0.89
0 219 -0.57
1 220 -1.29
0 221 0.90
1 222 -0.54
1 223 -1.02
0 224 -0.58
0 225 -2.21
0 226 0.84
0 227 0.84
0 228 0.90
1 229 0.67
1 230 -1.32
0 231 1.74
0 232 -0.07
0 233 1.65
0 234 1.18
0 235 1.16
0 236 0.59
0 237 -2.02
0 238 -0.06
1 239 -0.95
0 240 -0.37
0 241 1.59
0 242 -0.58
0 243 0.59
1 244 1.71
0 245 1.50
1 246 -0.96
0 247 -1.21
0 248 -0.21
0 249 -1.47
1 250 -0.22
0 251 -1.81
1 252 -1.13
1 253 0.79
1 254 -0.73
1 255 0.01
0 256 -0.55
0 257 0.58
1 258 -1.69
0 259 0.10
0 260 -0.30
1 261 -0.41
0 262 1.48
0 263 -0.72
0 264 -0.04
1 265 0.61
0 266 -0.03
1 267 -0.13
0 268 0.02
0 269 -0.31
0 270 1.30
1 271 -1.36
0 272 -0.75
1 273 -1.14
0 274 -0.61
0 275 -1.36
0 276 -0.84
0 277 0.84
1 278 1.76
1 279 -0.33
0 280 0.18
0 281 1.24
0 282 -0.01
0 283 1.22
0 284 -0.38
0 285 -0.03
0 286 -0.78
0 287 -1.12
0 288 -0.07
0 289 0.35
0 290 -0.85
1 291 -2.17
0 292 0.58
0 293 -0.02
0 294 -1.07
0 295 0.86
0 296 0.23
0 297 0.33
0 298 -0.27
0 299 0.29
0 300 -0.33
0 301 1.52
0 302 -1.00
0 303 -1.40
0 304 1.09
0 305 -0.16
0 306 2.10
0 307 1.08
0 308 0.41
0 309 0.13
0 310 -0.75
1 311 1.26
0 312 -1.11
1 313 0.63
1 314 -1.54
0 315 -0.54
0 316 -1.14
0 317 0.15
0 318 1.27
0 319 -0.02
0 320 -1.47
0 321 -0.46
1 322 0.86
0 323 0.43
0 324 1.68
0 325 1.49
0 326 1.38
0 327 -1.81
0 328 0.12
0 329 0.23
0 330 -0.59
0 331 1.13
0 332 1.11
0 333 -0.82
1 334 -1.94
1 335 0.46
0 336 -0.36
1 337 -0.36
0 338 -0.25
1 339 -0.74
0 340 2.94
0 341 -1.37
0 342 -1.38
0 343 0.29
0 344 0.79
0 345 -0.66
1 346 -0.50
1 347 0.39
1 348 0.29
1 349 -0.51
0 350 -1.90
1 351 -0.58
0 352 0.72
0 353 -0.99
0 354 1.68
0 355 -0.52
0 356 0.28
0 357 0.15
1 358 -0.82
0 359 0.50
0 360 0.31
0 361 0.12
0 362 -0.05
0 363 0.73
1 364 -0.31
0 365 1.67
0 366 -0.53
1 367 -0.49
0 368 1.86
0 369 0.84
1 370 -0.72
1 371 -0.67
1 372 -0.69
1 373 -1.05
0 374 -0.89
0 375 0.98
0 376 -1.38
0 377 2.25
0 378 -1.42
0 379 1.18
1 380 0.61
1 381 -0.94
0 382 1.32
0 383 -0.55
0 384 0.47
0 385 0.12
0 386 -0.26
0 387 0.28
0 388 1.06
0 389 2.58
0 390 1.26
0 391 -0.71
0 392 -1.13
1 393 -0.05
0 394 1.17
0 395 0.47
0 396 1.78
0 397 -1.35
0 398 -0.25
0 399 1.09
0 400 0.78
Years at Employer Years at Address Income Credit Card Debt
-1.23 -0.98 -0.94 0.22
-0.64 -0.77 -0.22 -0.95
0.06 -1.34 -0.44 0.02
-0.07 0.40 -0.85 0.70
-0.50 -0.14 -0.52 0.52
-0.16 2.76 -0.82 0.51
-1.25 0.21 -0.45 0.65
-0.66 -1.02 -0.19 0.59
0.13 1.42 -0.44 0.51
0.20 -0.43 0.22 0.26
0.23 -0.58 -0.38 0.14
-1.12 0.01 -0.71 0.68
0.68 0.22 -0.08 0.55
0.24 -0.20 0.22 -1.51
-0.62 -0.49 -0.24 -0.05
0.90 0.68 -0.13 0.60
0.48 0.60 0.44 -0.10
-0.51 -1.15 -0.52 0.57
-1.09 -0.76 -0.58 0.44
-0.43 0.66 -0.05 -2.17
1.56 -1.17 0.51 -0.01
0.05 0.50 0.32 -2.15
-0.95 -0.18 -0.73 0.57
0.71 0.38 -0.27 0.57
-1.28 -0.27 -0.73 0.67
-0.33 0.55 -0.76 0.51
1.92 2.27 2.05 0.07
0.47 0.22 0.96 0.11
1.28 0.07 3.56 -4.70
-0.95 -0.50 -0.54 0.28
3.11 -0.46 1.48 -0.19
-0.33 3.77 -0.40 0.65
2.03 0.57 0.95 0.57
0.72 -0.69 0.23 -0.03
 1.49 -0.73 1.31 -0.34
-0.78 -0.57 -0.63 0.37
-1.25 -0.66 -0.83 0.30
0.08 -0.14 -0.10 0.29
-0.96 -1.12 -0.97 0.31
0.81 -1.08 -0.23 0.63
2.02 0.95 2.54 -0.88
-0.51 -0.91 -0.64 0.66
-0.10 1.56 -0.37 0.42
0.93 -0.63 4.86 -6.78
-0.31 0.78 -0.38 -0.22
-0.84 1.87 -0.12 -2.10
-0.21 -0.45 -0.75 0.53
-0.90 0.08 -0.54 -0.17
-0.86 -1.12 -0.33 0.55
-1.16 -0.83 -0.49 -0.10
-1.07 -0.24 -0.85 0.67
-0.98 0.22 -0.93 0.39
1.32 2.38 0.70 -2.40
-1.19 0.35 -0.80 0.55
-1.18 -0.19 -0.40 0.05
-0.49 0.96 -0.64 0.59
0.10 -1.00 -0.24 -0.56
-0.84 0.65 -0.64 0.55
-0.92 0.52 -0.45 0.56
0.85 -1.38 -0.47 0.47
0.72 -0.95 0.20 -0.57
-0.93 2.85 -0.40 -0.63
-0.61 -0.46 -0.26 -0.79
0.72 0.25 0.84 -0.12
0.62 -0.97 1.50 -2.26
1.12 1.65 0.22 0.32
0.11 -0.94 0.33 -0.81
-0.15 0.19 -0.55 0.48
-1.04 -1.17 -0.23 0.41
1.16 -0.88 0.84 -1.43
-0.75 -0.05 -0.74 0.54
-0.18 -0.60 -0.60 0.47
-0.84 -0.97 -0.82 0.09
-0.93 0.13 -0.82 0.64
-0.80 -0.40 -0.31 0.63
-0.25 -0.46 -0.69 0.38
-0.20 -0.46 -0.08 0.40
-0.03 -0.93 0.58 0.10
-0.78 1.24 0.20 0.61
-1.16 -0.21 -0.60 0.53
-0.07 -0.95 0.62 0.34
1.31 -1.16 0.16 0.30
1.18 0.90 -0.45 -0.33
0.83 0.60 -0.52 0.61
-0.49 -0.37 -0.47 0.15
0.04 0.34 -0.40 0.26
-0.88 -1.22 -0.22 0.31
0.06 1.71 -0.37 0.68
-1.26 0.66 -0.56 0.59
-0.46 -0.56 0.35 -0.26
-1.19 -0.16 -0.77 0.47
1.73 0.81 0.78 -2.62
-0.03 1.60 -0.03 0.14
-0.94 0.22 -0.65 0.34
-0.20 -0.62 -0.67 0.61
0.88 -0.20 -0.18 -0.65
0.88 -0.32 -0.30 0.49
0.49 -0.95 -0.19 0.63
2.04 -0.21 1.29 0.42
-0.50 1.99 0.25 0.50
-1.06 -1.11 -0.40 0.48
-0.90 2.48 -0.61 0.53
-1.07 -0.52 -0.03 0.26
-0.28 -0.63 -0.48 0.21
0.40 -0.22 -0.15 -0.03
-1.10 -0.99 -0.69 0.69
1.18 0.55 0.84 0.28
1.11 -0.71 1.21 0.63
0.14 -0.63 -0.44 0.70
0.25 0.33 -0.53 0.71
-1.07 0.63 -0.75 0.01
-1.11 1.99 -0.74 0.64
-0.24 -0.52 0.39 -1.22
-0.26 -1.25 -0.40 0.45
-0.94 -1.15 -0.64 0.51
-0.35 0.38 -0.57 0.55
-0.51 1.69 -0.45 -0.17
2.05 -0.27 1.62 -1.06
0.69 -0.86 0.24 0.52
-1.26 1.00 -0.62 0.53
0.32 -1.32 0.02 -0.67
3.42 -0.34 2.42 -6.06
0.77 -0.98 -0.50 0.43
1.37 -0.71 3.07 0.23
2.00 -0.13 0.87 -0.03
0.34 1.20 0.18 0.39
-0.44 -0.08 -0.42 0.41
0.78 0.80 -0.25 0.19
-0.01 -0.88 -0.47 0.37
0.37 0.76 -0.65 0.70
1.32 1.78 -0.03 0.44
2.72 -0.72 0.74 -1.39
0.14 -0.98 -0.21 -0.28
-1.24 -1.21 -0.30 0.34
0.71 -1.33 -0.03 -0.66
-1.01 -0.38 -0.43 0.00
-0.37 -0.21 -0.44 -0.50
0.25 -0.05 -0.54 0.52
-0.51 1.05 0.79 -0.78
1.37 -0.09 0.85 -1.41
-0.39 -1.26 -0.74 0.34
-1.28 -0.03 -0.83 0.62
-0.63 -0.15 -0.42 0.06
0.17 1.23 -0.33 0.38
-1.02 -0.52 -0.26 -0.04
-0.51 0.12 -0.37 -0.86
-0.33 1.49 0.53 0.25
0.85 -1.03 1.19 -0.41
-0.68 -1.24 -0.44 -0.47
-1.21 -0.21 -0.54 -0.04
0.27 -0.26 -0.40 0.05
0.03 -1.07 -0.47 0.63
-0.83 -0.62 -0.67 0.57
0.20 1.73 -0.41 0.44
-0.33 -0.17 -0.82 0.70
-0.88 -0.58 -0.51 0.58
1.73 -1.11 0.23 0.15
-1.16 0.18 -0.53 -0.37
-0.49 0.94 -0.62 0.27
-0.34 -0.65 0.34 0.31
0.31 -0.29 1.17 -0.60
-0.88 -0.52 -0.23 0.19
2.39 -0.46 5.45 -0.08
0.10 -0.68 -0.40 0.06
2.08 0.27 0.56 -1.18
-0.74 0.04 0.16 -0.33
-1.24 -1.10 -0.66 0.51
0.96 -0.64 0.42 -0.17
-0.92 -0.42 -0.51 0.01
-1.12 -0.13 -0.82 0.20
0.75 -1.21 -0.11 0.02
-0.97 1.89 -0.11 0.48
-1.18 2.37 -0.79 0.55
0.46 1.88 -0.51 0.68
-0.61 0.06 -0.47 0.68
-0.65 1.12 -0.65 0.52
0.74 0.11 0.12 0.50
-1.14 -1.13 -0.86 0.66
2.01 0.59 1.12 0.09
0.43 -1.21 1.07 -1.68
-1.24 1.83 -0.85 0.44
-0.91 -0.97 -0.10 0.53
-0.17 0.68 -0.34 0.57
1.93 0.75 0.23 0.44
1.43 -0.72 0.36 0.20
-1.19 0.22 -0.56 0.64
0.26 1.25 -0.41 0.16
0.68 1.80 3.78 -0.41
0.52 -0.62 5.09 -2.77
1.11 0.83 0.35 -0.45
-0.19 -1.31 -0.25 0.73
-0.80 -0.59 -0.32 0.51
-1.03 1.59 -0.46 -0.60
2.00 0.47 0.11 0.47
 0.90 0.34 0.71 0.18
1.03 -0.98 0.65 -0.03
-0.85 -0.21 -0.80 0.68
-0.71 -0.12 -0.47 0.60
0.73 -1.24 -0.08 0.65
-0.34 0.98 0.19 0.41
Automobile Debt Outcomes: Default = 1 Score
0.35 1 1.06
0.44 1 -0.85
0.62 0 -1.56
0.61 0 1.84
0.26 0 -1.99
0.42 0 2.59
1.02 1 -7.51
0.54 1 1.06
0.48 0 -89.06
0.25 0 -0.05
-0.06 0 8.46
0.36 0 4.66
0.82 0 -1.35
-0.59 0 -2.48
-0.33 1 -0.22
0.82 0 -3.07
0.17 0 1.31
0.19 0 1.22
0.35 0 1.80
-0.69 1 -1.64
-0.05 0 0.58
-0.80 1 -4.61
0.63 1 1.28
0.66 0 1.46
0.54 0 0.63
0.30 0 -1.51
0.37 0 2.36
0.48 0 0.95
-0.59 1 12.26
0.59 1 0.62
-0.58 0 0.96
-0.30 0 15.70
-0.71 0 0.23
-1.11 0 0.23
-0.48 0 1.42
0.34 0 -1.69
0.29 0 0.56
-0.29 0 6.75
0.46 1 1.35
0.39 0 2.33
-2.79 0 2.15
0.72 0 2.24
0.93 0 -1.34
-5.58 1 6.82
0.38 0 -0.11
-0.31 1 -2.05
0.52 0 1.06
0.40 0 1.74
-0.74 0 0.60
0.33 1 1.79
0.46 0 0.85
0.66 1 1.16
-0.50 1 3.91
0.77 1 1.83
0.29 1 -49.40
0.61 0 2.23
0.21 0 0.55
0.78 1 0.71
0.09 0 -10.36
0.57 0 3.20
-1.67 1 -1.85
-0.27 0 0.15
-0.77 0 -0.74
-0.29 0 -22.48
-2.64 1 6.20
0.24 0 3.86
-0.69 1 -8.61
0.67 0 -56.98
0.63 0 2.11
-0.64 0 1.75
0.33 1 0.94
0.34 0 1.43
-0.07 1 0.80
1.01 0 2.40
 0.46 0 0.69
0.42 0 1.27
0.70 0 -0.57
-0.67 1 0.28
0.64 1 1.25
0.50 0 -6.29
-0.16 0 0.23
-0.54 0 10.18
-0.47 0 -0.10
0.71 0 2.97
0.16 0 22.95
0.53 0 0.84
0.49 0 0.47
0.65 0 14.68
0.37 0 -3.31
-1.62 0 -0.71
0.56 1 0.57
-1.55 0 5.90
0.17 0 8.55
0.90 0 0.93
0.61 0 -1.49
-0.38 0 2.03
0.42 0 -2.39
0.60 0 3.03
-2.51 0 2.97
0.51 0 0.74
0.72 0 -0.58
0.68 0 1.14
0.64 0 0.20
-0.11 0 -0.64
0.11 0 0.74
0.67 0 -0.66
0.01 0 0.52
0.93 0 1.41
0.64 0 -8.94
0.87 0 1.66
0.50 1 -0.61
0.92 0 1.25
-1.54 1 2.56
0.52 1 0.55
 0.42 0 2.12
0.54 0 0.98
-0.02 0 -1.80
-0.54 0 2.11
0.80 0 12.19
0.57 0 0.78
0.04 0 -1.52
-3.72 1 9.90
0.37 0 -2.15
-0.21 0 1.69
-0.02 0 0.61
-1.03 0 -0.15
0.45 0 0.46
-0.74 0 -3.75
0.45 0 -3.71
0.80 0 2.31
0.51 0 -0.41
0.01 0 1.91
0.31 0 -0.09
0.02 1 0.33
-0.04 1 1.37
-0.47 0 1.20
0.30 1 -0.17
0.78 0 4.21
-2.32 1 -2.12
-1.31 0 0.77
0.56 0 0.79
0.53 0 1.05
-0.60 0 -1.65
0.24 0 -0.90
-0.37 0 0.34
-0.21 1 -0.97
-1.29 1 0.71
-4.96 1 5.52
-0.33 1 -0.05
0.84 0 0.26
0.66 1 0.78
0.26 0 -1.54
0.91 0 1.25
0.52 0 -0.51
 0.73 0 2.93
0.55 0 -3.89
0.75 0 0.51
-1.00 1 0.19
0.40 0 -1.77
0.48 0 0.09
-2.61 0 15.18
-0.24 0 7.64
-0.58 0 7.61
0.21 1 1.51
0.09 0 1.04
0.48 0 -0.95
0.87 1 2.41
0.02 0 0.32
0.63 0 -0.62
0.37 1 1.41
0.46 1 0.19
0.96 1 0.85
0.34 1 1.27
0.85 0 1.34
0.60 0 -1.16
0.65 0 0.84
0.77 0 -0.17
0.78 0 1.08
-1.59 0 0.86
-4.07 1 4.52
0.10 1 1.36
0.50 0 -0.47
-0.14 0 1.65
0.81 0 -0.44
0.16 0 1.35
0.48 0 4.58
-1.90 0 -2.00
-0.29 0 3.93
-1.92 0 3.05
-1.01 0 0.63
0.64 0 1.37
0.12 0 0.74
0.10 1 -2.96
0.52 0 -0.31
 0.90 0 1.13
-1.01 0 0.38
0.87 0 1.10
0.32 0 4.26
0.51 0 -0.67
-0.62 0 -0.29
Score 1 Binary ou Reversed Outcome
-1.66 1 0
0.43 1 0
-0.68 0 1
-0.65 0 1
-0.67 0 1
-0.89 0 1
-0.27 1 0
-0.17 1 0
-0.44 0 1
0.42 0 1
-4.55 0 1
-0.69 0 1
-0.06 0 1
-0.11 0 1
0.64 1 0
-0.09 0 1
6.20 0 1
-0.69 0 1
-0.73 0 1
0.02 1 0
-8.41 0 1
-0.11 1 0
-0.61 1 0
-0.22 0 1
-0.61 0 1
-0.94 0 1
4.71 0 1
1.62 0 1
-0.67 1 0
-0.62 1 0
-1.92 0 1
-1.14 0 1
-6.74 0 1
-0.20 0 1
 -1.58 0 1
-0.89 0 1
-1.41 0 1
10.39 0 1
-1.27 1 0
-0.22 0 1
-0.69 0 1
-0.46 0 1
-0.27 0 1
-0.39 1 0
-2.38 0 1
0.05 1 0
-0.71 0 1
-2.34 0 1
1.70 0 1
-2.17 1 0
-0.75 0 1
-0.88 1 0
-0.24 1 0
-0.60 1 0
-1.19 1 0
-0.54 0 1
0.69 0 1
-0.48 1 0
-0.69 0 1
-0.45 0 1
-0.09 1 0
0.45 0 1
0.16 0 1
-2.04 0 1
-0.31 1 0
0.40 0 1
-0.22 1 0
-0.48 0 1
-0.22 0 1
-0.40 0 1
-0.84 1 0
-0.74 0 1
-28.74 1 0
-0.50 0 1
-0.28 0 1
-0.86 0 1
-0.07 0 1
-1.01 1 0
0.16 1 0
-0.58 0 1
3.47 0 1
-0.69 0 1
0.57 0 1
-0.39 0 1
-1.53 0 1
-0.51 0 1
-0.27 0 1
-0.28 0 1
-0.58 0 1
-0.19 0 1
-0.75 1 0
-0.19 0 1
-0.09 0 1
-0.52 0 1
-0.55 0 1
0.17 0 1
-0.33 0 1
-0.16 0 1
-0.62 0 1
0.25 0 1
-0.33 0 1
-0.51 0 1
-0.03 0 1
-4.65 0 1
-1.89 0 1
-0.51 0 1
2.91 0 1
0.78 0 1
-0.33 0 1
-0.34 0 1
-1.48 1 0
-0.47 0 1
-0.14 1 0
-0.41 1 0
 -0.69 0 1
-0.52 0 1
2.36 0 1
-1.01 0 1
0.18 0 1
-0.56 0 1
-0.04 0 1
-0.25 1 0
-0.63 0 1
152.45 0 1
-16.48 0 1
-0.29 0 1
-0.49 0 1
0.44 0 1
-0.57 0 1
-0.44 0 1
-0.03 0 1
-0.53 0 1
-8.23 0 1
-0.81 1 0
0.04 1 0
0.93 0 1
2.17 1 0
-0.41 0 1
-0.25 1 0
-0.31 0 1
-0.82 0 1
-0.72 0 1
0.77 0 1
-0.54 0 1
0.65 0 1
0.34 1 0
-0.51 1 0
-0.22 1 0
0.56 1 0
-0.68 0 1
-0.56 1 0
-0.53 0 1
-0.45 0 1
-0.43 0 1
-0.58 0 1
-0.45 0 1
0.26 0 1
0.39 1 0
-0.92 0 1
0.43 0 1
-0.36 0 1
4.52 0 1
-8.23 0 1
-1.52 1 0
-0.51 0 1
1.15 0 1
-0.48 1 0
-3.01 0 1
-0.81 0 1
-1.44 1 0
-0.24 1 0
-0.08 1 0
-0.89 1 0
-0.33 0 1
-0.37 0 1
-0.55 0 1
0.09 0 1
-0.60 0 1
-0.75 0 1
-0.19 1 0
-1.60 1 0
-0.10 0 1
-0.80 0 1
0.18 0 1
0.99 0 1
-0.51 0 1
0.24 0 1
-5.46 0 1
-1.08 0 1
-0.24 0 1
-0.18 0 1
-0.52 0 1
0.91 1 0
0.11 0 1
 0.66 0 1
-0.62 0 1
-0.52 0 1
-0.51 0 1
-0.07 0 1
-0.94 0 1
Training Set Profit and Loss Data - Raw and Standarized

Unique Applicant ID Profit and Loss Standardized

1 $3,206 0.23
2 $2,940 0.18
3 ($1,024) -0.51
4 $2,945 0.18
5 $738 -0.20
6 $16,969 2.62
7 $6,339 0.77
8 $7,839 1.03
9 $7,397 0.95
10 $2,977 0.19
11 ($5,050) -1.21
12 $1,009 -0.16
13 ($7,966) -1.71
14 $9,627 1.34
15 $11,754 1.71
16 $2,547 0.11
17 $351 -0.27
18 ($8,343) -1.78
19 $6,135 0.73
20 $1,580 -0.06
21 ($1,031) -0.51
22 $10,675 1.52
23 $2,476 0.10
24 $5,058 0.55
25 ($8,669) -1.84
26 $2,772 0.15
27 $3,845 0.34
28 $1,859 -0.01
29 $256 -0.29
30 $2,256 0.06
31 ($3,577) -0.95
32 $6,365 0.77
33 $693 -0.21
34 ($232) -0.37
35 $6,509 0.80
36 $3,611 0.30
37 $369 -0.27
38 $4,992 0.54
39 ($7,418) -1.62
40 $3,714 0.31
41 $7,430 0.96
42 $1,757 -0.03
43 $2,490 0.10
44 $3,645 0.30
45 $6,733 0.84
46 $1,241 -0.12
47 ($3,575) -0.95
48 ($5,724) -1.33
49 $15,917 2.43
50 ($4,980) -1.20
51 $35,096 5.77
52 $561 -0.23
53 ($9,142) -1.92
54 $1,940 0.01
55 $4,315 0.42
56 $2,504 0.10
57 $9,317 1.29
58 $679 -0.21
59 $1,599 -0.05
60 $3,541 0.28
61 ($837) -0.48
62 $193 -0.30
63 ($4,226) -1.07
64 ($6,621) -1.48
65 $1,858 -0.01
66 ($1,672) -0.62
67 $7,707 1.01
68 $2,923 0.18
69 $1,615 -0.05
70 ($4,520) -1.12
71 $3,046 0.20
72 $135 -0.31
73 ($8,101) -1.74
 74 ($7,749) -1.68
75 $85 -0.32
76 $9,576 1.33
77 $321 -0.28
78 $49 -0.32
79 $5,061 0.55
80 $1,999 0.02
81 $23,910 3.82
82 $2,643 0.13
83 ($5,618) -1.31
84 ($4,519) -1.12
85 $3,230 0.23
86 $5,820 0.68
87 $11,024 1.58
88 $169 -0.30
89 $1,865 -0.01
90 $969 -0.16
91 $5,521 0.63
92 $2,450 0.09
93 $5,161 0.57
94 $2,994 0.19
95 ($267) -0.38
96 $213 -0.29
97 $1,017 -0.15
98 $363 -0.27
99 $3,719 0.32
100 $18,807 2.94
101 $6,156 0.74
102 ($3,811) -0.99
103 $330 -0.27
104 ($3,300) -0.90
105 $2,730 0.14
106 ($5,913) -1.36
107 $4,258 0.41
108 ($6,077) -1.39
109 ($2,051) -0.69
110 $2,759 0.15
111 $7,298 0.94
112 $2,943 0.18
113 $1,749 -0.03
114 ($6,368) -1.44
115 $1,757 -0.03
116 ($7,007) -1.55
117 $1,963 0.01
118 $2,599 0.12
119 $3,328 0.25
120 $3,793 0.33
121 ($3,026) -0.86
122 $1,259 -0.11
123 $6,523 0.80
124 $5,022 0.54
125 $4,096 0.38
126 $199 -0.30
127 $1,633 -0.05
128 $5,303 0.59
129 $6,130 0.73
130 ($7,214) -1.58
131 ($2,898) -0.83
132 $2,113 0.04
133 $2,526 0.11
134 $3,375 0.26
135 $1,355 -0.10
136 ($6,686) -1.49
137 ($3,623) -0.96
138 $2,122 0.04
139 $1,843 -0.01
140 ($6,937) -1.54
141 ($7,113) -1.57
142 $1,377 -0.09
143 $1,721 -0.03
144 $4,435 0.44
145 $10,593 1.51
146 $3,053 0.20
147 ($3,353) -0.91
148 $3,019 0.19
149 $2,184 0.05
150 $7,901 1.04
151 $1,804 -0.02
152 $886 -0.18
153 ($744) -0.46
154 $3,767 0.32
155 $2,044 0.02
156 ($4,744) -1.16
157 $1,594 -0.05
158 ($6,754) -1.50
159 $6,117 0.73
160 $932 -0.17
161 $11,178 1.61
162 ($7,370) -1.61
163 $619 -0.22
164 $2,494 0.10
165 $3,746 0.32
166 $1,096 -0.14
167 ($7,833) -1.69
168 $1,462 -0.08
169 $7,111 0.90
170 $3,822 0.33
171 $2,496 0.10
172 ($4,602) -1.13
173 $8,787 1.20
174 ($196) -0.37
175 $3,155 0.22
176 $2,957 0.18
177 $2,302 0.07
178 $4,059 0.37
179 ($5,682) -1.32
180 ($7,172) -1.58
181 $3,539 0.28
182 $1,774 -0.02
183 $4,139 0.39
184 $3,741 0.32
185 $8,811 1.20
186 ($69) -0.34
187 ($2,948) -0.84
188 $1,856 -0.01
189 ($7,951) -1.71
190 $9,688 1.35
191 $877 -0.18
192 $12,770 1.89
193 $4,938 0.53
 194 ($7,807) -1.69
195 $466 -0.25
196 $4,653 0.48
197 ($566) -0.43
198 $2,387 0.08
199 $9,316 1.29
200 $7,935 1.05

observed mean $1,906

observed standard deviation $5,755.91

Test Set Profit and Loss Data - Raw and Standardized

Unique Applicant ID Profit and Loss

201 ($9,530)
202 ($2,590)
203 $2,721
204 $1,015
205 $2,526
206 $402
207 ($9,060)
208 ($7,890)
209 $3,226
210 $4,409
211 $2,257
212 ($33)
213 $2,941
214 $8,728
215 ($4,369)
216 $1,502
217 $4,507
218 $1,084
219 $3,883
220 ($2,772)
221 $2,259
222 $1,394
223 ($10,109)
224 $1,608
225 $1,937
226 ($152)
227 $5,220
228 $5,772
229 $13,411
230 ($8,592)
231 $6,599
232 $1,454
233 $3,673
234 $4,343
235 $5,783
236 $954
237 $2,446
238 $4,505
239 ($7,388)
240 $118
241 $12,167
242 $1,704
243 $2,396
244 $21,928
245 $1,518
246 $2,979
247 $655
248 $3,184
249 $4,669
250 ($5,243)
251 $860
252 ($8,902)
253 $703
254 ($7,362)
255 ($6,625)
256 ($575)
257 $4,380
258 ($10,794)
259 $1,632
260 ($249)
261 ($3,723)
262 $4,494
263 $7,422
264 $4,592
265 $5,229
266 $1,902
267 ($1,272)
268 $1,021
269 $3,223
270 $8,349
271 ($8,004)
272 $1,337
273 ($6,728)
274 $448
275 $1,550
276 $1,269
277 $2,069
278 ($2,963)
279 ($8,235)
280 $804
281 $5,566
282 $3,212
283 $2,451
284 $1,168
285 $3,087
286 $3,100
287 $4,155
288 ($1,135)
289 $1,575
290 $6,298
291 ($7,701)
292 $9,901
293 $5,228
294 $2,129
295 $648
296 $4,517
297 $1,903
298 $271
299 $5,747
300 $3,523
301 $1,363
302 $2,054
303 $3,221
304 $4,492
305 $2,538
306 $2,090
307 $4,714
308 $3,860
309 $1,374
310 $1,230
311 ($6,418)
312 $1,925
313 ($1,588)
314 ($5,007)
315 $1,872
316 ($16)
317 $4,658
318 $8,728
319 $2,823
320 $1,842
321 $5,313
322 $14,267
323 $825
324 $9,106
325 $5,438
326 $3,521
327 $2,710
328 $4,068
329 $1,997
330 ($1,725)
331 $331
332 $6,993
333 $2,764
334 ($6,661)
335 ($5,116)
336 $3,823
337 ($4,168)
338 $209
339 $100
340 $8,753
341 $1,983
342 $699
343 $4,124
344 $2,148
345 $5,461
346 ($3,458)
347 ($3,814)
348 $2,442
349 ($3,725)
350 $4,267
351 ($5,241)
352 $523
353 ($212)
354 $2,050
355 ($189)
356 $1,810
357 $2,166
358 ($3,291)
359 $631
360 $3,510
361 $9,221
362 $4,127
363 $14,034
364 ($5,352)
365 $7,543
366 $3,926
367 ($7,413)
368 $3,782
369 $3,258
370 ($8,425)
371 ($5,982)
372 ($4,045)
373 ($10,422)
374 ($63)
375 $1,590
376 $2,065
377 $1,947
378 $313
379 $3,249
380 $832
381 ($10,134)
382 $1,766
383 $3,516
384 $1,412
385 $4,134
386 $1,041
387 $4,413
388 $11,582
389 $22,590
390 $4,200
391 $1,411
392 $4,197
393 ($3,807)
 394 $1,190
395 $2,747
396 $6,130
397 $1,050
398 $2,826
399 $1,900
400 $4,353

observed mean $1,533

observed standard deviation $5,087.60

w and Standardized

Standardized (using Training Set mean and Stdev)

-1.99
-0.78
0.14
-0.15
0.11
-0.26
-1.91
-1.70
0.23
0.43
0.06
-0.34
0.18
1.19
-1.09
-0.07
0.45
-0.14
0.34
-0.81
0.06
-0.09
-2.09
-0.05
0.01
-0.36
0.58
0.67
2.00
-1.82
0.82
-0.08
0.31
 0.42
0.67
-0.17
0.09
0.45
-1.61
-0.31
1.78
-0.03
0.09
3.48
-0.07
0.19
-0.22
0.22
0.48
-1.24
-0.18
-1.88
-0.21
-1.61
-1.48
-0.43
0.43
-2.21
-0.05
-0.37
-0.98
0.45
0.96
0.47
0.58
0.00
-0.55
-0.15
0.23
1.12
-1.72
-0.10
-1.50
-0.25
-0.06
-0.11
0.03
-0.85
-1.76
-0.19
0.64
0.23
0.09
-0.13
0.21
0.21
0.39
-0.53
-0.06
0.76
-1.67
1.39
0.58
0.04
-0.22
0.45
0.00
-0.28
0.67
0.28
-0.09
0.03
0.23
0.45
0.11
0.03
0.49
0.34
-0.09
-0.12
-1.45
0.00
-0.61
-1.20
-0.01
-0.33
0.48
1.19
0.16
-0.01
0.59
2.15
-0.19
1.25
0.61
0.28
0.14
0.38
0.02
-0.63
-0.27
0.88
0.15
-1.49
-1.22
0.33
-1.06
-0.29
-0.31
1.19
0.01
-0.21
0.39
0.04
0.62
-0.93
-0.99
0.09
-0.98
0.41
-1.24
-0.24
-0.37
 0.03
-0.36
-0.02
0.05
-0.90
-0.22
0.28
1.27
0.39
2.11
-1.26
0.98
0.35
-1.62
0.33
0.24
-1.79
-1.37
-1.03
-2.14
-0.34
-0.05
0.03
0.01
-0.28
0.23
-0.19
-2.09
-0.02
0.28
-0.09
0.39
-0.15
0.44
1.68
3.59
0.40
-0.09
0.40
-0.99
-0.12
0.15
0.73
-0.15
0.16
0.00
0.43
Training Set Data with Eggertopia Scores and Outcomes

Unique Applicant ID Eggertopia Scores

1 215
2 4387
3 3654
4 3006
5 176
6 4281
7 166
8 -210
9 978
10 -16
11 2519
12 523
13 923
14 -215
15 -437
16 670
17 841
18 2857
19 763
20 544
21 600
22 773
23 287
24 72
25 424
26 451
27 356
28 745
29 788
30 1354
31 4147
32 93
33 472
34 154
35 386
36 1270
37 873
38 -143
39 4597
40 131
41 -204
42 131
43 1630
44 132
45 265
46 106
47 3476
48 1338
49 782
50 1378
51 4503
52 821
53 2553
54 378
55 198
56 834
57 52
58 1985
59 1050
60 469
61 923
62 484
63 3671
64 2844
65 990
66 3607
67 733
68 519
69 483
70 3565
71 1009
72 2721
73 422
 74 -131
75 289
76 111
77 2179
78 -21
79 1771
80 56
81 -14
82 1199
83 2825
84 1834
85 -125
86 -33
87 3355
88 1475
89 28
90 5
91 159
92 571
93 1260
94 4008
95 1252
96 289
97 791
98 -127
99 103
100 -173
101 721
102 725
103 469
104 -267
105 742
106 2305
107 -496
108 2179
109 2214
110 142
111 1633
112 2202
113 301
114 1288
115 266
116 2247
117 1252
118 200
119 -6
120 238
121 2492
122 57
123 1877
124 -156
125 1788
126 3616
127 1490
128 639
129 615
130 2516
131 726
132 1114
133 -111
134 -93
135 419
136 2015
137 1703
138 608
139 780
140 2353
141 1070
142 1604
143 976
144 344
145 203
146 1111
147 2457
148 3149
149 697
150 2063
151 1044
152 880
153 419
154 3173
155 1212
156 3927
157 157
158 607
159 3915
160 815
161 499
162 2877
163 53
164 -199
165 624
166 634
167 550
168 717
169 1154
170 364
171 2092
172 4271
173 588
174 -109
175 201
176 2554
177 678
178 1870
179 1570
180 2060
181 2028
182 840
183 201
184 2105
185 822
186 973
187 2975
188 237
189 1642
190 886
191 -237
192 46
193 962
194 1503
195 281
196 666
197 861
198 1381
199 458
200 319
ores and Outcomes Test Set Data with Eggertopia Scores and Outcomes

Outcome: Default = 1 Unique Applicant ID

0 201
1 202
1 203
0 204
0 205
1 206
0 207
0 208
0 209
0 210
1 211
0 212
1 213
0 214
0 215
0 216
0 217
1 218
0 219
0 220
0 221
0 222
0 223
0 224
1 225
0 226
0 227
0 228
0 229
0 230
1 231
0 232
0 233
0 234
0 235
0 236
0 237
0 238
1 239
0 240
0 241
0 242
0 243
0 244
0 245
0 246
1 247
1 248
0 249
1 250
1 251
0 252
1 253
0 254
0 255
0 256
0 257
0 258
0 259
0 260
0 261
0 262
1 263
1 264
0 265
1 266
0 267
0 268
0 269
1 270
0 271
0 272
1 273
1 274
0 275
0 276
0 277
0 278
0 279
0 280
0 281
0 282
1 283
1 284
0 285
0 286
0 287
0 288
0 289
0 290
0 291
0 292
0 293
0 294
1 295
0 296
0 297
0 298
0 299
0 300
0 301
1 302
0 303
1 304
0 305
1 306
0 307
1 308
1 309
0 310
0 311
0 312
0 313
1 314
0 315
1 316
0 317
0 318
0 319
0 320
1 321
0 322
0 323
0 324
0 325
1 326
0 327
0 328
0 329
1 330
1 331
0 332
0 333
0 334
0 335
1 336
1 337
0 338
0 339
1 340
1 341
0 342
0 343
0 344
0 345
0 346
1 347
1 348
0 349
0 350
0 351
0 352
0 353
0 354
0 355
1 356
0 357
1 358
0 359
0 360
0 361
1 362
0 363
0 364
0 365
0 366
1 367
0 368
0 369
0 370
0 371
1 372
0 373
0 374
0 375
0 376
0 377
0 378
1 379
1 380
0 381
0 382
0 383
0 384
0 385
0 386
1 387
0 388
1 389
0 390
0 391
0 392
0 393
1 394
0 395
0 396
0 397
0 398
0 399
0 400
ith Eggertopia Scores and Outcomes

Eggertopia Scores Outcome: Default = 1

3033 1
2826 1
322 0
250 0
1067 0
779 0
240 1
1046 1
397 0
-52 0
361 0
1918 0
50 0
2021 0
1706 1
-544 0
359 0
946 0
1673 0
4212 1
-105 0
3224 1
1029 1
47 0
2281 0
648 0
-96 0
141 0
3736 1
2173 1
173 0
1389 0
-155 0
 562 0
9 0
1412 0
2896 0
402 0
1782 1
-17 0
160 0
291 0
179 0
4535 1
643 0
4890 1
222 0
995 0
2208 0
3251 1
1414 0
2579 1
1695 1
1002 1
3064 1
99 0
245 0
1221 1
949 0
131 0
1414 1
2694 0
2920 0
315 0
2955 1
77 0
2006 1
265 0
670 0
936 0
2175 1
192 0
3028 1
 768 0
1275 0
586 0
317 0
1269 1
1338 1
1910 0
193 0
-220 0
1019 0
125 0
1831 0
234 0
1967 0
615 0
1446 0
1611 0
2756 1
1760 0
59 0
2509 0
169 0
1308 0
10 0
250 0
-118 0
426 0
420 0
673 0
1924 0
739 0
99 0
395 0
119 0
-332 0
119 0
32 0
2308 1
1161 0
3027 1
 472 1
1684 0
162 0
1702 0
329 0
52 0
1925 0
634 0
3825 1
335 0
28 0
-193 0
793 0
733 0
25 0
183 0
325 0
108 0
-13 0
577 0
2586 1
146 1
2990 0
3230 1
326 0
3017 1
805 0
1367 0
1755 0
1801 0
89 0
2481 0
3389 1
1131 1
917 1
3835 1
3089 0
876 1
642 0
707 0
 22 0
520 0
1011 0
-95 0
4410 1
2348 0
-44 0
1007 0
1611 0
409 0
1017 1
-67 0
1255 0
1154 1
-28 0
1443 0
2322 1
38 1
1111 1
2729 1
258 0
1053 0
1100 0
169 0
1736 0
30 0
2902 1
2937 1
977 0
515 0
256 0
-266 0
1546 0
2193 0
-20 0
1983 0
597 0
245 0
1719 0
3209 1
 13 0
42 0
225 0
1089 0
887 0
92 0
70 0