def predict_default(income, loan_amount, credit_score, employment):
    # Simplified risk calculation
    risk_score = (loan_amount / (income * 0.3)) * (1 - (credit_score/850))
    if employment == "Unemployed":
        risk_score *= 1.5
        
    if risk_score > 0.7:
        return {"High Risk": risk_score, "Medium Risk": 0.2, "Low Risk": 0.1}
    elif risk_score > 0.4:
        return {"High Risk": 0.3, "Medium Risk": risk_score, "Low Risk": 0.2}
    else:
        return {"High Risk": 0.1, "Medium Risk": 0.3, "Low Risk": risk_score}