{
 "rows": 23996,
 "test_rows": 5999,
 "cut_score": 0.13423639065119367,
 "share": 0.1,
 "positive_rate": 0.2212035339223204,
 "numeric": {
  "LIMIT_BAL": {
   "mean": 167270.87847974664,
   "std": 129532.29976426934,
   "median": 140000.0,
   "edges": [
    10000.0,
    30000.0,
    50000.0,
    70000.0,
    100000.0,
    140000.0,
    180000.0,
    210000.0,
    270000.0,
    360000.0,
    1000000.0
   ],
   "shares": {
    "0": 0.08284714119019837,
    "1": 0.06105184197366228,
    "2": 0.13927321220203367,
    "3": 0.09814135689281547,
    "4": 0.102975495915986,
    "5": 0.10380896816136023,
    "6": 0.09159859976662778,
    "7": 0.11485247541256877,
    "8": 0.094599099849975,
    "9": 0.11085180863477247
   }
  },
  "BILL_AMT1": {
   "mean": 51202.179904984165,
   "std": 73978.79134449174,
   "median": 22223.0,
   "edges": [
    -165580.0,
    264.0,
    1876.0,
    5992.0,
    13451.0,
    22223.0,
    36908.000000000015,
    52061.5,
    83381.0,
    141741.0,
    964511.0
   ],
   "shares": {
    "0": 0.09943323887314552,
    "1": 0.10055842640440073,
    "2": 0.09997499583263877,
    "3": 0.10001666944490749,
    "4": 0.10001666944490749,
    "5": 0.10001666944490749,
    "6": 0.09997499583263877,
    "7": 0.09997499583263877,
    "8": 0.10001666944490749,
    "9": 0.10001666944490749
   }
  },
  "BILL_AMT2": {
   "mean": 49259.96032672112,
   "std": 71485.52373749421,
   "median": 21080.5,
   "edges": [
    -69777.0,
    0.0,
    1479.0,
    5518.500000000003,
    12883.0,
    21080.5,
    34702.000000000015,
    50711.0,
    80199.0,
    136949.5,
    983931.0
   ],
   "shares": {
    "0": 0.021711951991998667,
    "1": 0.1782797132855476,
    "2": 0.10001666944490749,
    "3": 0.09997499583263877,
    "4": 0.10001666944490749,
    "5": 0.10001666944490749,
    "6": 0.09997499583263877,
    "7": 0.09997499583263877,
    "8": 0.10001666944490749,
    "9": 0.10001666944490749
   }
  },
  "BILL_AMT3": {
   "mean": 46981.74654109018,
   "std": 68871.26278346537,
   "median": 19982.5,
   "edges": [
    -61506.0,
    0.0,
    1189.0,
    5176.000000000002,
    12218.0,
    19982.5,
    31192.00000000002,
    49175.5,
    76593.0,
    132127.5,
    693131.0
   ],
   "shares": {
    "0": 0.021378563093848973,
    "1": 0.17861310218369728,
    "2": 0.10001666944490749,
    "3": 0.09997499583263877,
    "4": 0.10001666944490749,
    "5": 0.10001666944490749,
    "6": 0.09997499583263877,
    "7": 0.09997499583263877,
    "8": 0.10001666944490749,
    "9": 0.10001666944490749
   }
  },
  "BILL_AMT4": {
   "mean": 43342.34055675946,
   "std": 64707.60457814837,
   "median": 19007.5,
   "edges": [
    -81334.0,
    0.0,
    992.0,
    4651.000000000002,
    11179.0,
    19007.5,
    28481.000000000007,
    45288.0,
    70415.0,
    123268.5,
    891586.0
   ],
   "shares": {
    "0": 0.021920320053342223,
    "1": 0.17807134522420404,
    "2": 0.10001666944490749,
    "3": 0.09997499583263877,
    "4": 0.10001666944490749,
    "5": 0.10001666944490749,
    "6": 0.09997499583263877,
    "7": 0.09993332222037006,
    "8": 0.1000583430571762,
    "9": 0.10001666944490749
   }
  },
  "BILL_AMT5": {
   "mean": 40329.93294715786,
   "std": 61075.619260422885,
   "median": 18104.5,
   "edges": [
    -61372.0,
    0.0,
    763.0,
    3589.500000000001,
    9793.0,
    18104.5,
    26516.00000000001,
    40631.5,
    65494.0,
    116593.0,
    927171.0
   ],
   "shares": {
    "0": 0.021628604767461243,
    "1": 0.17836306051008502,
    "2": 0.10001666944490749,
    "3": 0.09997499583263877,
    "4": 0.10001666944490749,
    "5": 0.10001666944490749,
    "6": 0.09997499583263877,
    "7": 0.09997499583263877,
    "8": 0.10001666944490749,
    "9": 0.10001666944490749
   }
  },
  "BILL_AMT6": {
   "mean": 38869.986789464914,
   "std": 59786.0983742078,
   "median": 16979.0,
   "edges": [
    -339603.0,
    0.0,
    468.0,
    2650.0,
    8686.0,
    16979.0,
    25321.000000000015,
    38824.5,
    62658.0,
    113650.5,
    961664.0
   ],
   "shares": {
    "0": 0.022628771461910318,
    "1": 0.17732122020336724,
    "2": 0.10001666944490749,
    "3": 0.10001666944490749,
    "4": 0.10001666944490749,
    "5": 0.10001666944490749,
    "6": 0.09997499583263877,
    "7": 0.09997499583263877,
    "8": 0.10001666944490749,
    "9": 0.10001666944490749
   }
  },
  "PAY_AMT1": {
   "mean": 5679.0855975996,
   "std": 16692.74539074982,
   "median": 2120.0,
   "edges": [
    0.0,
    326.0,
    1270.500000000001,
    1733.0,
    2120.0,
    3000.0,
    4326.0,
    6229.0,
    10400.0,
    873552.0
   ],
   "shares": {
    "0": 0.19999166527754625,
    "1": 0.10001666944490749,
    "2": 0.09997499583263877,
    "3": 0.09984997499583263,
    "4": 0.07213702283713952,
    "5": 0.12797966327721286,
    "6": 0.10001666944490749,
    "7": 0.09989164860810135,
    "8": 0.10014169028171362
   }
  },
  "PAY_AMT2": {
   "mean": 5834.127937989665,
   "std": 20435.617347531064,
   "median": 2013.0,
   "edges": [
    0.0,
    264.0,
    1165.0,
    1600.0,
    2013.0,
    3000.0,
    4068.0,
    6000.0,
    10405.5,
    1227082.0
   ],
   "shares": {
    "0": 0.19969994999166527,
    "1": 0.10026671111851976,
    "2": 0.09664110685114186,
    "3": 0.10330888481413569,
    "4": 0.08884814135689281,
    "5": 0.11118519753292215,
    "6": 0.09201533588931489,
    "7": 0.10801800300050009,
    "8": 0.10001666944490749
   }
  },
  "PAY_AMT3": {
   "mean": 5218.560510085014,
   "std": 17543.482408307405,
   "median": 1804.0,
   "edges": [
    0.0,
    2.0,
    780.0,
    1206.0,
    1804.0,
    2500.0,
    3569.5,
    5362.0,
    10000.0,
    896040.0
   ],
   "shares": {
    "0": 0.1994082347057843,
    "1": 0.09909984997499584,
    "2": 0.10135022503750625,
    "3": 0.10001666944490749,
    "4": 0.09909984997499584,
    "5": 0.10101683613935655,
    "6": 0.09997499583263877,
    "7": 0.0928071345224204,
    "8": 0.10722620436739456
   }
  },
  "PAY_AMT4": {
   "mean": 4796.66569428238,
   "std": 15067.01440928473,
   "median": 1500.0,
   "edges": [
    0.0,
    500.0,
    1000.0,
    1500.0,
    2133.0,
    3200.0,
    5000.0,
    9698.0,
    621000.0
   ],
   "shares": {
    "0": 0.29242373728954824,
    "1": 0.0877229538256376,
    "2": 0.10943490581763628,
    "3": 0.11039339889981664,
    "4": 0.09968328054675779,
    "5": 0.07976329388231372,
    "6": 0.12056176029338223,
    "7": 0.10001666944490749
   }
  },
  "PAY_AMT5": {
   "mean": 4801.144690781797,
   "std": 15152.516693963798,
   "median": 1500.0,
   "edges": [
    0.0,
    500.0,
    1000.0,
    1500.0,
    2149.0,
    3200.0,
    5000.0,
    9500.0,
    426529.0
   ],
   "shares": {
    "0": 0.29500750125020836,
    "1": 0.08334722453742291,
    "2": 0.1087681280213369,
    "3": 0.1128104684114019,
    "4": 0.09914152358726454,
    "5": 0.07888814802467078,
    "6": 0.12160360060010002,
    "7": 0.1004334055675946
   }
  },
  "PAY_AMT6": {
   "mean": 5242.996249374896,
   "std": 17640.841186151476,
   "median": 1500.0,
   "edges": [
    0.0,
    416.0,
    1000.0,
    1500.0,
    2100.0,
    3199.5,
    5000.0,
    9619.0,
    528666.0
   ],
   "shares": {
    "0": 0.29996666111018505,
    "1": 0.09268211368561427,
    "2": 0.10160026671111852,
    "3": 0.10485080846807801,
    "4": 0.10089181530255042,
    "5": 0.08197199533255542,
    "6": 0.11801966994499083,
    "7": 0.10001666944490749
   }
  },
  "UTIL_RECENT": {
   "mean": 0.42326252708784795,
   "std": 0.4107782042096859,
   "median": 0.31445,
   "edges": [
    -0.6199,
    0.0012,
    0.0111,
    0.0403,
    0.1286,
    0.31445,
    0.5236,
    0.7359,
    0.9028,
    0.98125,
    6.4553
   ],
   "shares": {
    "0": 0.09893315552592098,
    "1": 0.10085014169028171,
    "2": 0.09997499583263877,
    "3": 0.10022503750625104,
    "4": 0.10001666944490749,
    "5": 0.09997499583263877,
    "6": 0.09989164860810135,
    "7": 0.1001000166694449,
    "8": 0.10001666944490749,
    "9": 0.10001666944490749
   }
  },
  "PAY_RATIO_RECENT": {
   "mean": 0.5656217642401378,
   "std": 30.33630146650582,
   "median": 0.0783,
   "edges": [
    0.0,
    0.0281,
    0.0392,
    0.0458,
    0.0544,
    0.0783,
    0.1288,
    0.35830000000000056,
    1.0,
    1.0003,
    4444.3333
   ],
   "shares": {
    "0": 0.0997624703087886,
    "1": 0.0991570024684458,
    "2": 0.09943644916398864,
    "3": 0.10101998043873131,
    "4": 0.1005076614969028,
    "5": 0.10008849145358856,
    "6": 0.10004191700433142,
    "7": 0.04494434353313772,
    "8": 0.15453402263518234,
    "9": 0.1005076614969028
   }
  },
  "AGE": {
   "mean": 35.437114519086514,
   "std": 9.188789081976623,
   "median": 34.0,
   "edges": [
    21.0,
    25.0,
    27.0,
    29.0,
    31.0,
    34.0,
    36.0,
    40.0,
    43.0,
    49.0,
    75.0
   ],
   "shares": {
    "0": 0.0891398566427738,
    "1": 0.08163860643440574,
    "2": 0.09705784297382897,
    "3": 0.10026671111851976,
    "4": 0.11872812135355892,
    "5": 0.0764294049008168,
    "6": 0.1350641773628938,
    "7": 0.08105517586264377,
    "8": 0.11664444074012335,
    "9": 0.10397566261043507
   }
  }
 },
 "categorical": {
  "STATUS_0": {
   "no delinquency recorded, code undefined": 0.5817219536589432,
   "paid duly": 0.18944824137356225,
   "delay of 1 month": 0.12347891315219203,
   "delay of 2 months": 0.08997332888814802,
   "delay of 3 months": 0.010585097516252709,
   "delay of 4 months": 0.0025420903483913985,
   "delay of 5 months": 0.0007501250208368062,
   "delay of 8 months": 0.0007084514085680946,
   "delay of 6 months": 0.0004167361226871145,
   "delay of 7 months": 0.0003750625104184031
  },
  "STATUS_2": {
   "no delinquency recorded, code undefined": 0.6493165527587932,
   "paid duly": 0.20282547091181863,
   "delay of 2 months": 0.1310218369728288,
   "delay of 3 months": 0.010501750291715286,
   "delay of 4 months": 0.0032505417569594934,
   "delay of 1 month": 0.0009584930821803634,
   "delay of 5 months": 0.0008751458576429405,
   "delay of 7 months": 0.0007501250208368062,
   "delay of 6 months": 0.00045840973495582597,
   "delay of 8 months": 4.167361226871145e-05
  },
  "STATUS_3": {
   "no delinquency recorded, code undefined": 0.6624437406234372,
   "paid duly": 0.19769961660276714,
   "delay of 2 months": 0.12693782297049508,
   "delay of 3 months": 0.007709618269711618,
   "delay of 4 months": 0.00258376396066011,
   "delay of 7 months": 0.000833472245374229,
   "delay of 6 months": 0.000833472245374229,
   "delay of 5 months": 0.0007501250208368062,
   "delay of 1 month": 0.00012502083680613436,
   "delay of 8 months": 8.33472245374229e-05
  },
  "STATUS_4": {
   "no delinquency recorded, code undefined": 0.6939073178863144,
   "paid duly": 0.18898983163860644,
   "delay of 2 months": 0.10547591265210869,
   "delay of 3 months": 0.0058759793298883145,
   "delay of 4 months": 0.002333722287047841,
   "delay of 7 months": 0.0019169861643607267,
   "delay of 5 months": 0.0012502083680613436,
   "delay of 6 months": 0.00012502083680613436,
   "delay of 1 month": 8.33472245374229e-05,
   "delay of 8 months": 4.167361226871145e-05
  },
  "STATUS_5": {
   "no delinquency recorded, code undefined": 0.7158276379396566,
   "paid duly": 0.18494749124854143,
   "delay of 2 months": 0.08780630105017503,
   "delay of 3 months": 0.006001000166694449,
   "delay of 4 months": 0.0027921320220036672,
   "delay of 7 months": 0.0018753125520920154,
   "delay of 5 months": 0.0005834305717619603,
   "delay of 6 months": 0.00012502083680613436,
   "delay of 8 months": 4.167361226871145e-05
  },
  "STATUS_6": {
   "no delinquency recorded, code undefined": 0.7049508251375229,
   "paid duly": 0.19153192198699784,
   "delay of 2 months": 0.09309884980830138,
   "delay of 3 months": 0.0061676946157692945,
   "delay of 4 months": 0.001666944490748458,
   "delay of 7 months": 0.0015835972662110352,
   "delay of 6 months": 0.0005417569594932489,
   "delay of 5 months": 0.0004167361226871145,
   "delay of 8 months": 4.167361226871145e-05
  },
  "PAID_1": {
   "paid part": 0.5919736622770462,
   "paid in full": 0.2281630271711952,
   "no balance": 0.10522587097849642,
   "paid nothing": 0.07463743957326222
  },
  "PAID_2": {
   "paid part": 0.5868894815802633,
   "paid in full": 0.22703783963993998,
   "no balance": 0.11781130188364727,
   "paid nothing": 0.06826137689614936
  },
  "PAID_3": {
   "paid part": 0.5809718286381064,
   "paid in full": 0.21453575595932656,
   "no balance": 0.1284380730121687,
   "paid nothing": 0.0760543423903984
  },
  "PAID_4": {
   "paid part": 0.570345057509585,
   "paid in full": 0.20899316552758793,
   "no balance": 0.13952325387564593,
   "paid nothing": 0.0811385230871812
  },
  "PAID_5": {
   "paid part": 0.5539673278879813,
   "paid in full": 0.2150775129188198,
   "no balance": 0.15781796966161027,
   "paid nothing": 0.0731371895315886
  },
  "SEX": {
   "2": 0.6050591765294215,
   "1": 0.3949408234705784
  },
  "MARRIAGE_MODEL": {
   "single": 0.5344224037339557,
   "married": 0.45282547091181863,
   "other": 0.010668444740790132,
   "unknown": 0.0020836806134355724
  },
  "EDUCATION_MODEL": {
   "university": 0.46970328388064675,
   "graduate school": 0.3530171695282547,
   "high school": 0.16136022670445074,
   "unknown": 0.012002000333388899,
   "other": 0.003917319553258876
  }
 },
 "groups": {
  "sex": {
   "female": 14519,
   "male": 9477
  },
  "age band": {
   "25 to 34": 10466,
   "35 to 44": 7186,
   "45 to 54": 3382,
   "under 25": 2139,
   "55 to 64": 736,
   "65 and over": 87
  },
  "marital status": {
   "single": 12824,
   "married": 10866,
   "other": 256,
   "unknown": 50
  },
  "education": {
   "university": 11271,
   "graduate school": 8471,
   "high school": 3872,
   "unknown": 288,
   "other": 94
  }
 },
 "portfolio": {
  "false_alarm": 0.04195205479452055,
  "miss": 0.6955538809344386,
  "flagged": 600,
  "caught": 404
 },
 "group_rates": {
  "sex": {
   "male": {
    "n": 2407,
    "false_alarm": 0.045921123716909776,
    "miss": 0.7140287769784173,
    "flagged_share": 0.10137100124636476
   },
   "female": {
    "n": 3592,
    "false_alarm": 0.03934774902516838,
    "miss": 0.682230869001297,
    "flagged_share": 0.09910913140311804
   }
  },
  "age band": {
   "35 to 44": {
    "n": 1830,
    "false_alarm": 0.04073033707865169,
    "miss": 0.6945812807881774,
    "flagged_share": 0.0994535519125683
   },
   "25 to 34": {
    "n": 2543,
    "false_alarm": 0.03844258255298177,
    "miss": 0.7315175097276264,
    "flagged_share": 0.0849390483680692
   },
   "under 25": {
    "n": 545,
    "false_alarm": 0.059113300492610835,
    "miss": 0.5683453237410072,
    "flagged_share": 0.15412844036697249
   },
   "45 to 54": {
    "n": 851,
    "false_alarm": 0.04186046511627907,
    "miss": 0.7184466019417476,
    "flagged_share": 0.099882491186839
   },
   "55 to 64": {
    "n": 207,
    "false_alarm": 0.059602649006622516,
    "miss": 0.5892857142857143,
    "flagged_share": 0.15458937198067632
   },
   "65 and over": {
    "n": 23,
    "false_alarm": 0.0,
    "miss": 0.8333333333333334,
    "flagged_share": 0.043478260869565216
   }
  },
  "marital status": {
   "single": {
    "n": 3138,
    "false_alarm": 0.044,
    "miss": 0.6943573667711599,
    "flagged_share": 0.09719566602931803
   },
   "married": {
    "n": 2790,
    "false_alarm": 0.03777148253068933,
    "miss": 0.6964285714285714,
    "flagged_share": 0.1017921146953405
   },
   "other": {
    "n": 67,
    "false_alarm": 0.08,
    "miss": 0.7058823529411765,
    "flagged_share": 0.13432835820895522
   },
   "unknown": {
    "n": 4,
    "false_alarm": 0.5,
    "miss": 0.0,
    "flagged_share": 0.5
   }
  },
  "education": {
   "university": {
    "n": 2756,
    "false_alarm": 0.045933014354066985,
    "miss": 0.6801801801801802,
    "flagged_share": 0.11211901306240929
   },
   "graduate school": {
    "n": 2113,
    "false_alarm": 0.030232558139534883,
    "miss": 0.712468193384224,
    "flagged_share": 0.07808802650260294
   },
   "high school": {
    "n": 1044,
    "false_alarm": 0.056338028169014086,
    "miss": 0.7110266159695817,
    "flagged_share": 0.11494252873563218
   },
   "unknown": {
    "n": 57,
    "false_alarm": 0.07407407407407407,
    "miss": 0.6666666666666666,
    "flagged_share": 0.08771929824561403
   },
   "other": {
    "n": 29,
    "false_alarm": 0.0,
    "miss": 0.5,
    "flagged_share": 0.034482758620689655
   }
  }
 }
}