{
 "meta": {
  "n_total": 1000,
  "n_train": 700,
  "n_test": 300,
  "bad_rate": 0.3,
  "pdo": 20.0,
  "base_score": 600.0,
  "base_odds": 50.0,
  "factor": 28.8539,
  "offset": 487.1229,
  "seed": 42,
  "cost_false_good": 5.0,
  "cost_false_bad": 1.0
 },
 "iv_ranking": [
  {
   "column": "checking_status",
   "pretty": "Status of checking account",
   "iv": 0.6729,
   "strength": "suspiciously strong",
   "n_bins": 4,
   "in_model": true
  },
  {
   "column": "credit_history",
   "pretty": "Credit history",
   "iv": 0.3248,
   "strength": "strong",
   "n_bins": 4,
   "in_model": true
  },
  {
   "column": "duration_months",
   "pretty": "Duration of credit (months)",
   "iv": 0.2843,
   "strength": "medium",
   "n_bins": 5,
   "in_model": true
  },
  {
   "column": "purpose",
   "pretty": "Purpose of the loan",
   "iv": 0.1833,
   "strength": "medium",
   "n_bins": 6,
   "in_model": true
  },
  {
   "column": "credit_amount",
   "pretty": "Credit amount (DM)",
   "iv": 0.1717,
   "strength": "medium",
   "n_bins": 5,
   "in_model": true
  },
  {
   "column": "savings",
   "pretty": "Savings account / bonds",
   "iv": 0.1363,
   "strength": "medium",
   "n_bins": 4,
   "in_model": true
  },
  {
   "column": "property",
   "pretty": "Property owned",
   "iv": 0.0953,
   "strength": "weak",
   "n_bins": 4,
   "in_model": false
  },
  {
   "column": "other_installment_plans",
   "pretty": "Other instalment plans",
   "iv": 0.0895,
   "strength": "weak",
   "n_bins": 2,
   "in_model": true
  },
  {
   "column": "age_years",
   "pretty": "Age (years)",
   "iv": 0.0875,
   "strength": "weak",
   "n_bins": 4,
   "in_model": false
  },
  {
   "column": "employment_since",
   "pretty": "Time in present employment",
   "iv": 0.0786,
   "strength": "weak",
   "n_bins": 5,
   "in_model": true
  },
  {
   "column": "housing",
   "pretty": "Housing",
   "iv": 0.0442,
   "strength": "weak",
   "n_bins": 3,
   "in_model": false
  },
  {
   "column": "installment_rate",
   "pretty": "Instalment as % of disposable income",
   "iv": 0.0285,
   "strength": "weak",
   "n_bins": 2,
   "in_model": true
  },
  {
   "column": "telephone",
   "pretty": "Telephone",
   "iv": 0.0224,
   "strength": "weak",
   "n_bins": 2,
   "in_model": false
  },
  {
   "column": "other_debtors",
   "pretty": "Other debtors / guarantors",
   "iv": 0.0134,
   "strength": "unpredictive",
   "n_bins": 2,
   "in_model": false
  },
  {
   "column": "residence_since",
   "pretty": "Years at present residence",
   "iv": 0.0057,
   "strength": "unpredictive",
   "n_bins": 3,
   "in_model": false
  },
  {
   "column": "job",
   "pretty": "Job",
   "iv": 0.0032,
   "strength": "unpredictive",
   "n_bins": 3,
   "in_model": false
  },
  {
   "column": "existing_credits",
   "pretty": "Existing credits at this bank",
   "iv": 0.0021,
   "strength": "unpredictive",
   "n_bins": 2,
   "in_model": false
  },
  {
   "column": "num_dependents",
   "pretty": "People liable for maintenance",
   "iv": 0.0,
   "strength": "unpredictive",
   "n_bins": 1,
   "in_model": false
  }
 ],
 "excluded_protected": {
  "personal_status_sex": {
   "pretty": "Personal status and sex",
   "iv": 0.0428,
   "strength": "weak"
  },
  "foreign_worker": {
   "pretty": "Foreign worker",
   "iv": 0.026,
   "strength": "weak"
  }
 },
 "binning_all": {
  "checking_status": {
   "pretty": "Status of checking account",
   "kind": "categorical",
   "iv": 0.6729,
   "strength": "suspiciously strong",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "no checking account",
     "count": 284,
     "bads": 35,
     "bad_rate": 0.1232,
     "woe": 1.1148,
     "iv": 0.3807
    },
    {
     "label": ">= 200 DM",
     "count": 48,
     "bads": 10,
     "bad_rate": 0.2083,
     "woe": 0.4877,
     "iv": 0.0146
    },
    {
     "label": "0-200 DM",
     "count": 171,
     "bads": 65,
     "bad_rate": 0.3801,
     "woe": -0.3582,
     "iv": 0.0334
    },
    {
     "label": "< 0 DM",
     "count": 197,
     "bads": 100,
     "bad_rate": 0.5076,
     "woe": -0.8778,
     "iv": 0.2442
    }
   ]
  },
  "duration_months": {
   "pretty": "Duration of credit (months)",
   "kind": "numeric",
   "iv": 0.2843,
   "strength": "medium",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "<= 6",
     "count": 58,
     "bads": 7,
     "bad_rate": 0.1207,
     "woe": 1.1386,
     "iv": 0.0806
    },
    {
     "label": "(6, 15]",
     "count": 243,
     "bads": 55,
     "bad_rate": 0.2263,
     "woe": 0.3818,
     "iv": 0.0465
    },
    {
     "label": "(15, 30]",
     "count": 270,
     "bads": 85,
     "bad_rate": 0.3148,
     "woe": -0.0696,
     "iv": 0.0019
    },
    {
     "label": "(30, 36]",
     "count": 68,
     "bads": 28,
     "bad_rate": 0.4118,
     "woe": -0.4906,
     "iv": 0.0254
    },
    {
     "label": "> 36",
     "count": 61,
     "bads": 35,
     "bad_rate": 0.5738,
     "woe": -1.1445,
     "iv": 0.13
    }
   ]
  },
  "credit_history": {
   "pretty": "Credit history",
   "kind": "categorical",
   "iv": 0.3248,
   "strength": "strong",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "critical account / credits elsewhere",
     "count": 209,
     "bads": 33,
     "bad_rate": 0.1579,
     "woe": 0.8267,
     "iv": 0.167
    },
    {
     "label": "past delay",
     "count": 62,
     "bads": 17,
     "bad_rate": 0.2742,
     "woe": 0.1262,
     "iv": 0.0014
    },
    {
     "label": "existing credits paid duly",
     "count": 365,
     "bads": 123,
     "bad_rate": 0.337,
     "woe": -0.1705,
     "iv": 0.0157
    },
    {
     "label": "no credits / all paid / all paid at this bank",
     "count": 64,
     "bads": 37,
     "bad_rate": 0.5781,
     "woe": -1.1624,
     "iv": 0.1408
    }
   ]
  },
  "purpose": {
   "pretty": "Purpose of the loan",
   "kind": "categorical",
   "iv": 0.1833,
   "strength": "medium",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "retraining / car (used)",
     "count": 82,
     "bads": 13,
     "bad_rate": 0.1585,
     "woe": 0.8219,
     "iv": 0.0649
    },
    {
     "label": "radio/TV",
     "count": 202,
     "bads": 45,
     "bad_rate": 0.2228,
     "woe": 0.4023,
     "iv": 0.0427
    },
    {
     "label": "furniture",
     "count": 123,
     "bads": 38,
     "bad_rate": 0.3089,
     "woe": -0.0422,
     "iv": 0.0003
    },
    {
     "label": "appliances / business",
     "count": 74,
     "bads": 26,
     "bad_rate": 0.3514,
     "woe": -0.2342,
     "iv": 0.0061
    },
    {
     "label": "car (new) / other",
     "count": 170,
     "bads": 67,
     "bad_rate": 0.3941,
     "woe": -0.4173,
     "iv": 0.0454
    },
    {
     "label": "education / repairs",
     "count": 49,
     "bads": 21,
     "bad_rate": 0.4286,
     "woe": -0.5596,
     "iv": 0.024
    }
   ]
  },
  "credit_amount": {
   "pretty": "Credit amount (DM)",
   "kind": "numeric",
   "iv": 0.1717,
   "strength": "medium",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "<= 3960.50",
     "count": 525,
     "bads": 133,
     "bad_rate": 0.2533,
     "woe": 0.2336,
     "iv": 0.0389
    },
    {
     "label": "(3960.50, 5955.65]",
     "count": 70,
     "bads": 27,
     "bad_rate": 0.3857,
     "woe": -0.3819,
     "iv": 0.0156
    },
    {
     "label": "(5955.65, 7166.80]",
     "count": 35,
     "bads": 14,
     "bad_rate": 0.4,
     "woe": -0.4418,
     "iv": 0.0105
    },
    {
     "label": "(7166.80, 9162.70]",
     "count": 35,
     "bads": 15,
     "bad_rate": 0.4286,
     "woe": -0.5596,
     "iv": 0.0171
    },
    {
     "label": "> 9162.70",
     "count": 35,
     "bads": 21,
     "bad_rate": 0.6,
     "woe": -1.2528,
     "iv": 0.0895
    }
   ]
  },
  "savings": {
   "pretty": "Savings account / bonds",
   "kind": "categorical",
   "iv": 0.1363,
   "strength": "medium",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": ">= 1000 DM / 500-1000 DM",
     "count": 74,
     "bads": 13,
     "bad_rate": 0.1757,
     "woe": 0.6986,
     "iv": 0.0437
    },
    {
     "label": "unknown / none",
     "count": 136,
     "bads": 27,
     "bad_rate": 0.1985,
     "woe": 0.5482,
     "iv": 0.0515
    },
    {
     "label": "100-500 DM",
     "count": 78,
     "bads": 23,
     "bad_rate": 0.2949,
     "woe": 0.0245,
     "iv": 0.0001
    },
    {
     "label": "< 100 DM",
     "count": 412,
     "bads": 147,
     "bad_rate": 0.3568,
     "woe": -0.258,
     "iv": 0.0411
    }
   ]
  },
  "employment_since": {
   "pretty": "Time in present employment",
   "kind": "categorical",
   "iv": 0.0786,
   "strength": "weak",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "4-7 years",
     "count": 129,
     "bads": 29,
     "bad_rate": 0.2248,
     "woe": 0.3906,
     "iv": 0.0258
    },
    {
     "label": ">= 7 years",
     "count": 178,
     "bads": 44,
     "bad_rate": 0.2472,
     "woe": 0.2664,
     "iv": 0.017
    },
    {
     "label": "1-4 years",
     "count": 233,
     "bads": 77,
     "bad_rate": 0.3305,
     "woe": -0.1412,
     "iv": 0.0068
    },
    {
     "label": "unemployed",
     "count": 38,
     "bads": 13,
     "bad_rate": 0.3421,
     "woe": -0.1934,
     "iv": 0.0021
    },
    {
     "label": "< 1 year",
     "count": 122,
     "bads": 47,
     "bad_rate": 0.3852,
     "woe": -0.38,
     "iv": 0.0269
    }
   ]
  },
  "installment_rate": {
   "pretty": "Instalment as % of disposable income",
   "kind": "numeric",
   "iv": 0.0285,
   "strength": "weak",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "<= 3",
     "count": 368,
     "bads": 98,
     "bad_rate": 0.2663,
     "woe": 0.1662,
     "iv": 0.014
    },
    {
     "label": "> 3",
     "count": 332,
     "bads": 112,
     "bad_rate": 0.3373,
     "woe": -0.1722,
     "iv": 0.0145
    }
   ]
  },
  "other_debtors": {
   "pretty": "Other debtors / guarantors",
   "kind": "categorical",
   "iv": 0.0134,
   "strength": "unpredictive",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "guarantor",
     "count": 39,
     "bads": 8,
     "bad_rate": 0.2051,
     "woe": 0.5072,
     "iv": 0.0128
    },
    {
     "label": "none / co-applicant",
     "count": 661,
     "bads": 202,
     "bad_rate": 0.3056,
     "woe": -0.0265,
     "iv": 0.0007
    }
   ]
  },
  "residence_since": {
   "pretty": "Years at present residence",
   "kind": "numeric",
   "iv": 0.0057,
   "strength": "unpredictive",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "<= 2",
     "count": 304,
     "bads": 96,
     "bad_rate": 0.3158,
     "woe": -0.0741,
     "iv": 0.0024
    },
    {
     "label": "(2, 3]",
     "count": 105,
     "bads": 32,
     "bad_rate": 0.3048,
     "woe": -0.0226,
     "iv": 0.0001
    },
    {
     "label": "> 3",
     "count": 291,
     "bads": 82,
     "bad_rate": 0.2818,
     "woe": 0.0883,
     "iv": 0.0032
    }
   ]
  },
  "property": {
   "pretty": "Property owned",
   "kind": "categorical",
   "iv": 0.0953,
   "strength": "weak",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "real estate",
     "count": 196,
     "bads": 40,
     "bad_rate": 0.2041,
     "woe": 0.5137,
     "iv": 0.0657
    },
    {
     "label": "savings agreement / life insurance",
     "count": 160,
     "bads": 50,
     "bad_rate": 0.3125,
     "woe": -0.0588,
     "iv": 0.0008
    },
    {
     "label": "car or other",
     "count": 232,
     "bads": 78,
     "bad_rate": 0.3362,
     "woe": -0.1671,
     "iv": 0.0095
    },
    {
     "label": "unknown / none",
     "count": 112,
     "bads": 42,
     "bad_rate": 0.375,
     "woe": -0.3365,
     "iv": 0.0192
    }
   ]
  },
  "age_years": {
   "pretty": "Age (years)",
   "kind": "numeric",
   "iv": 0.0875,
   "strength": "weak",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "<= 25",
     "count": 131,
     "bads": 55,
     "bad_rate": 0.4198,
     "woe": -0.5239,
     "iv": 0.056
    },
    {
     "label": "(25, 26]",
     "count": 42,
     "bads": 13,
     "bad_rate": 0.3095,
     "woe": -0.045,
     "iv": 0.0001
    },
    {
     "label": "(26, 33]",
     "count": 185,
     "bads": 57,
     "bad_rate": 0.3081,
     "woe": -0.0383,
     "iv": 0.0004
    },
    {
     "label": "> 33",
     "count": 342,
     "bads": 85,
     "bad_rate": 0.2485,
     "woe": 0.2591,
     "iv": 0.031
    }
   ]
  },
  "other_installment_plans": {
   "pretty": "Other instalment plans",
   "kind": "categorical",
   "iv": 0.0895,
   "strength": "weak",
   "protected": false,
   "in_model": true,
   "bins": [
    {
     "label": "none",
     "count": 572,
     "bads": 154,
     "bad_rate": 0.2692,
     "woe": 0.1512,
     "iv": 0.0181
    },
    {
     "label": "stores / bank",
     "count": 128,
     "bads": 56,
     "bad_rate": 0.4375,
     "woe": -0.596,
     "iv": 0.0714
    }
   ]
  },
  "housing": {
   "pretty": "Housing",
   "kind": "categorical",
   "iv": 0.0442,
   "strength": "weak",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "own",
     "count": 491,
     "bads": 133,
     "bad_rate": 0.2709,
     "woe": 0.1429,
     "iv": 0.0139
    },
    {
     "label": "for free",
     "count": 78,
     "bads": 28,
     "bad_rate": 0.359,
     "woe": -0.2675,
     "iv": 0.0084
    },
    {
     "label": "rent",
     "count": 131,
     "bads": 49,
     "bad_rate": 0.374,
     "woe": -0.3324,
     "iv": 0.0219
    }
   ]
  },
  "existing_credits": {
   "pretty": "Existing credits at this bank",
   "kind": "numeric",
   "iv": 0.0021,
   "strength": "unpredictive",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "<= 2",
     "count": 676,
     "bads": 204,
     "bad_rate": 0.3018,
     "woe": -0.0084,
     "iv": 0.0001
    },
    {
     "label": "> 2",
     "count": 24,
     "bads": 6,
     "bad_rate": 0.25,
     "woe": 0.2513,
     "iv": 0.0021
    }
   ]
  },
  "job": {
   "pretty": "Job",
   "kind": "categorical",
   "iv": 0.0032,
   "strength": "unpredictive",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "unskilled resident",
     "count": 144,
     "bads": 40,
     "bad_rate": 0.2778,
     "woe": 0.1082,
     "iv": 0.0024
    },
    {
     "label": "skilled employee",
     "count": 438,
     "bads": 133,
     "bad_rate": 0.3037,
     "woe": -0.0173,
     "iv": 0.0002
    },
    {
     "label": "management / self-employed / unemployed / unskilled non-resident",
     "count": 118,
     "bads": 37,
     "bad_rate": 0.3136,
     "woe": -0.0638,
     "iv": 0.0007
    }
   ]
  },
  "num_dependents": {
   "pretty": "People liable for maintenance",
   "kind": "numeric",
   "iv": 0.0,
   "strength": "unpredictive",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "<= inf",
     "count": 700,
     "bads": 210,
     "bad_rate": 0.3,
     "woe": 0.0,
     "iv": 0.0
    }
   ]
  },
  "telephone": {
   "pretty": "Telephone",
   "kind": "categorical",
   "iv": 0.0224,
   "strength": "weak",
   "protected": false,
   "in_model": false,
   "bins": [
    {
     "label": "registered",
     "count": 279,
     "bads": 73,
     "bad_rate": 0.2616,
     "woe": 0.1901,
     "iv": 0.0138
    },
    {
     "label": "none",
     "count": 421,
     "bads": 137,
     "bad_rate": 0.3254,
     "woe": -0.1183,
     "iv": 0.0086
    }
   ]
  },
  "personal_status_sex": {
   "pretty": "Personal status and sex",
   "kind": "categorical",
   "iv": 0.0428,
   "strength": "weak",
   "protected": true,
   "in_model": false,
   "bins": [
    {
     "label": "male: married/widowed",
     "count": 61,
     "bads": 16,
     "bad_rate": 0.2623,
     "woe": 0.1868,
     "iv": 0.0029
    },
    {
     "label": "male: single",
     "count": 388,
     "bads": 104,
     "bad_rate": 0.268,
     "woe": 0.1573,
     "iv": 0.0133
    },
    {
     "label": "female: div/sep/married / male: divorced",
     "count": 251,
     "bads": 90,
     "bad_rate": 0.3586,
     "woe": -0.2657,
     "iv": 0.0266
    }
   ]
  },
  "foreign_worker": {
   "pretty": "Foreign worker",
   "kind": "categorical",
   "iv": 0.026,
   "strength": "weak",
   "protected": true,
   "in_model": false,
   "bins": [
    {
     "label": "no",
     "count": 27,
     "bads": 4,
     "bad_rate": 0.1481,
     "woe": 0.9019,
     "iv": 0.0252
    },
    {
     "label": "yes",
     "count": 673,
     "bads": 206,
     "bad_rate": 0.3061,
     "woe": -0.0288,
     "iv": 0.0008
    }
   ]
  }
 },
 "iv_floor": 0.02,
 "candidates": [
  "checking_status",
  "credit_history",
  "duration_months",
  "purpose",
  "credit_amount",
  "savings",
  "property",
  "other_installment_plans",
  "age_years",
  "employment_since",
  "housing",
  "installment_rate",
  "telephone"
 ],
 "selection_steps": [
  {
   "step": 1,
   "entered": "checking_status",
   "p_value": 3.497721002295026e-19,
   "pseudo_r2": 0.10973644769508017
  },
  {
   "step": 2,
   "entered": "duration_months",
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   "step": 4,
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   "step": 6,
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 "selected_by_stepwise": [
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 ],
 "dropped_for_instability": [
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   "frequency": 0.36
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 ],
 "stability_threshold": 0.5,
 "selected": [
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  "credit_history",
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 ],
 "model": {
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  "llr_p_value": 5.8127895202822e-41,
  "terms": [
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   {
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    "p_value": 0.0005690888351812784
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   {
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 },
 "scorecard": {
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   455.0,
   535.0,
   502.9,
   507.3,
   555.5,
   517.5,
   592.1,
   505.5,
   509.0,
   562.7,
   536.9,
   529.9,
   543.3,
   591.9,
   502.7,
   499.8,
   545.8,
   505.3,
   532.9,
   579.2,
   499.3,
   470.6,
   610.5,
   479.0,
   542.0,
   499.8,
   533.0,
   512.9,
   499.2,
   521.3,
   483.6,
   480.9,
   412.7,
   529.7,
   521.2,
   506.9,
   513.0,
   575.1,
   514.8,
   538.8,
   495.1,
   576.7,
   489.9,
   549.7,
   558.0,
   468.5,
   471.8,
   545.6,
   478.3,
   541.7,
   511.3,
   529.4,
   520.8,
   472.4,
   567.7,
   516.0,
   529.0,
   574.7,
   551.0,
   550.8,
   560.9,
   487.4,
   529.3,
   588.7,
   606.3,
   556.9,
   548.4,
   538.1,
   469.0,
   581.7,
   549.7,
   508.9,
   498.9,
   543.5,
   499.3,
   509.0,
   522.4,
   463.4,
   568.9,
   554.4,
   527.6,
   459.6,
   593.0,
   528.3,
   528.1,
   480.9,
   550.7,
   583.9,
   544.7,
   560.8,
   481.5,
   539.0,
   540.4,
   595.6,
   438.5,
   536.4,
   519.4,
   544.7,
   617.1,
   507.8,
   558.7,
   518.8,
   447.6,
   482.0,
   568.8,
   517.8
  ],
  "bads": [
   470.8,
   478.9,
   487.8,
   464.9,
   504.3,
   460.9,
   413.2,
   465.2,
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   474.7,
   419.9,
   473.3,
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   510.1,
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   460.0,
   477.9,
   491.0,
   530.3,
   429.1,
   477.2,
   476.5,
   471.6,
   553.0,
   474.4,
   470.6,
   496.9,
   515.4,
   428.1,
   458.9,
   450.2,
   493.1,
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   529.4,
   508.2,
   543.9,
   517.2,
   477.5,
   469.8,
   454.4,
   455.2,
   506.9,
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   521.3,
   487.4,
   468.0,
   503.8,
   490.0,
   519.1,
   480.1,
   511.7,
   493.6,
   481.3,
   460.9,
   551.3,
   450.2,
   513.6,
   498.1,
   543.7,
   547.5,
   511.3,
   485.5,
   457.0,
   509.9,
   553.1,
   483.0,
   588.4,
   508.9,
   523.0,
   518.5,
   420.7,
   513.2,
   463.1,
   434.1,
   495.4,
   491.1,
   533.3,
   483.0,
   506.6,
   463.5,
   488.9,
   503.4,
   488.3,
   429.0,
   465.5,
   471.2,
   543.4,
   457.7,
   531.5,
   487.9
  ]
 },
 "binning_spec": {
  "checking_status": {
   "pretty": "Status of checking account",
   "kind": "categorical",
   "bins": [
    {
     "label": "no checking account",
     "lo": null,
     "hi": null,
     "levels": [
      "no checking account"
     ],
     "woe": 1.1148,
     "bad_rate": 0.1232,
     "count": 284,
     "points": 84
    },
    {
     "label": ">= 200 DM",
     "lo": null,
     "hi": null,
     "levels": [
      ">= 200 DM"
     ],
     "woe": 0.4877,
     "bad_rate": 0.2083,
     "count": 48,
     "points": 69
    },
    {
     "label": "0-200 DM",
     "lo": null,
     "hi": null,
     "levels": [
      "0-200 DM"
     ],
     "woe": -0.3582,
     "bad_rate": 0.3801,
     "count": 171,
     "points": 48
    },
    {
     "label": "< 0 DM",
     "lo": null,
     "hi": null,
     "levels": [
      "< 0 DM"
     ],
     "woe": -0.8778,
     "bad_rate": 0.5076,
     "count": 197,
     "points": 36
    }
   ]
  },
  "duration_months": {
   "pretty": "Duration of credit (months)",
   "kind": "numeric",
   "bins": [
    {
     "label": "<= 6",
     "lo": null,
     "hi": 6.0,
     "levels": [],
     "woe": 1.1386,
     "bad_rate": 0.1207,
     "count": 58,
     "points": 82
    },
    {
     "label": "(6, 15]",
     "lo": 6.0,
     "hi": 15.0,
     "levels": [],
     "woe": 0.3818,
     "bad_rate": 0.2263,
     "count": 243,
     "points": 65
    },
    {
     "label": "(15, 30]",
     "lo": 15.0,
     "hi": 30.0,
     "levels": [],
     "woe": -0.0696,
     "bad_rate": 0.3148,
     "count": 270,
     "points": 55
    },
    {
     "label": "(30, 36]",
     "lo": 30.0,
     "hi": 36.0,
     "levels": [],
     "woe": -0.4906,
     "bad_rate": 0.4118,
     "count": 68,
     "points": 46
    },
    {
     "label": "> 36",
     "lo": 36.0,
     "hi": null,
     "levels": [],
     "woe": -1.1445,
     "bad_rate": 0.5738,
     "count": 61,
     "points": 32
    }
   ]
  },
  "credit_history": {
   "pretty": "Credit history",
   "kind": "categorical",
   "bins": [
    {
     "label": "critical account / credits elsewhere",
     "lo": null,
     "hi": null,
     "levels": [
      "critical account / credits elsewhere"
     ],
     "woe": 0.8267,
     "bad_rate": 0.1579,
     "count": 209,
     "points": 75
    },
    {
     "label": "past delay",
     "lo": null,
     "hi": null,
     "levels": [
      "past delay"
     ],
     "woe": 0.1262,
     "bad_rate": 0.2742,
     "count": 62,
     "points": 60
    },
    {
     "label": "existing credits paid duly",
     "lo": null,
     "hi": null,
     "levels": [
      "existing credits paid duly"
     ],
     "woe": -0.1705,
     "bad_rate": 0.337,
     "count": 365,
     "points": 53
    },
    {
     "label": "no credits / all paid / all paid at this bank",
     "lo": null,
     "hi": null,
     "levels": [
      "no credits / all paid",
      "all paid at this bank"
     ],
     "woe": -1.1624,
     "bad_rate": 0.5781,
     "count": 64,
     "points": 32
    }
   ]
  },
  "purpose": {
   "pretty": "Purpose of the loan",
   "kind": "categorical",
   "bins": [
    {
     "label": "retraining / car (used)",
     "lo": null,
     "hi": null,
     "levels": [
      "retraining",
      "car (used)"
     ],
     "woe": 0.8219,
     "bad_rate": 0.1585,
     "count": 82,
     "points": 83
    },
    {
     "label": "radio/TV",
     "lo": null,
     "hi": null,
     "levels": [
      "radio/TV"
     ],
     "woe": 0.4023,
     "bad_rate": 0.2228,
     "count": 202,
     "points": 70
    },
    {
     "label": "furniture",
     "lo": null,
     "hi": null,
     "levels": [
      "furniture"
     ],
     "woe": -0.0422,
     "bad_rate": 0.3089,
     "count": 123,
     "points": 56
    },
    {
     "label": "appliances / business",
     "lo": null,
     "hi": null,
     "levels": [
      "appliances",
      "business"
     ],
     "woe": -0.2342,
     "bad_rate": 0.3514,
     "count": 74,
     "points": 50
    },
    {
     "label": "car (new) / other",
     "lo": null,
     "hi": null,
     "levels": [
      "car (new)",
      "other"
     ],
     "woe": -0.4173,
     "bad_rate": 0.3941,
     "count": 170,
     "points": 44
    },
    {
     "label": "education / repairs",
     "lo": null,
     "hi": null,
     "levels": [
      "education",
      "repairs"
     ],
     "woe": -0.5596,
     "bad_rate": 0.4286,
     "count": 49,
     "points": 39
    }
   ]
  },
  "employment_since": {
   "pretty": "Time in present employment",
   "kind": "categorical",
   "bins": [
    {
     "label": "4-7 years",
     "lo": null,
     "hi": null,
     "levels": [
      "4-7 years"
     ],
     "woe": 0.3906,
     "bad_rate": 0.2248,
     "count": 129,
     "points": 70
    },
    {
     "label": ">= 7 years",
     "lo": null,
     "hi": null,
     "levels": [
      ">= 7 years"
     ],
     "woe": 0.2664,
     "bad_rate": 0.2472,
     "count": 178,
     "points": 66
    },
    {
     "label": "1-4 years",
     "lo": null,
     "hi": null,
     "levels": [
      "1-4 years"
     ],
     "woe": -0.1412,
     "bad_rate": 0.3305,
     "count": 233,
     "points": 52
    },
    {
     "label": "unemployed",
     "lo": null,
     "hi": null,
     "levels": [
      "unemployed"
     ],
     "woe": -0.1934,
     "bad_rate": 0.3421,
     "count": 38,
     "points": 50
    },
    {
     "label": "< 1 year",
     "lo": null,
     "hi": null,
     "levels": [
      "< 1 year"
     ],
     "woe": -0.38,
     "bad_rate": 0.3852,
     "count": 122,
     "points": 44
    }
   ]
  },
  "other_installment_plans": {
   "pretty": "Other instalment plans",
   "kind": "categorical",
   "bins": [
    {
     "label": "none",
     "lo": null,
     "hi": null,
     "levels": [
      "none"
     ],
     "woe": 0.1512,
     "bad_rate": 0.2692,
     "count": 572,
     "points": 60
    },
    {
     "label": "stores / bank",
     "lo": null,
     "hi": null,
     "levels": [
      "stores",
      "bank"
     ],
     "woe": -0.596,
     "bad_rate": 0.4375,
     "count": 128,
     "points": 43
    }
   ]
  },
  "savings": {
   "pretty": "Savings account / bonds",
   "kind": "categorical",
   "bins": [
    {
     "label": ">= 1000 DM / 500-1000 DM",
     "lo": null,
     "hi": null,
     "levels": [
      ">= 1000 DM",
      "500-1000 DM"
     ],
     "woe": 0.6986,
     "bad_rate": 0.1757,
     "count": 74,
     "points": 72
    },
    {
     "label": "unknown / none",
     "lo": null,
     "hi": null,
     "levels": [
      "unknown / none"
     ],
     "woe": 0.5482,
     "bad_rate": 0.1985,
     "count": 136,
     "points": 68
    },
    {
     "label": "100-500 DM",
     "lo": null,
     "hi": null,
     "levels": [
      "100-500 DM"
     ],
     "woe": 0.0245,
     "bad_rate": 0.2949,
     "count": 78,
     "points": 57
    },
    {
     "label": "< 100 DM",
     "lo": null,
     "hi": null,
     "levels": [
      "< 100 DM"
     ],
     "woe": -0.258,
     "bad_rate": 0.3568,
     "count": 412,
     "points": 51
    }
   ]
  },
  "credit_amount": {
   "pretty": "Credit amount (DM)",
   "kind": "numeric",
   "bins": [
    {
     "label": "<= 3960.50",
     "lo": null,
     "hi": 3960.5,
     "levels": [],
     "woe": 0.2336,
     "bad_rate": 0.2533,
     "count": 525,
     "points": 63
    },
    {
     "label": "(3960.50, 5955.65]",
     "lo": 3960.5,
     "hi": 5955.6500000000015,
     "levels": [],
     "woe": -0.3819,
     "bad_rate": 0.3857,
     "count": 70,
     "points": 46
    },
    {
     "label": "(5955.65, 7166.80]",
     "lo": 5955.6500000000015,
     "hi": 7166.8,
     "levels": [],
     "woe": -0.4418,
     "bad_rate": 0.4,
     "count": 35,
     "points": 45
    },
    {
     "label": "(7166.80, 9162.70]",
     "lo": 7166.8,
     "hi": 9162.700000000008,
     "levels": [],
     "woe": -0.5596,
     "bad_rate": 0.4286,
     "count": 35,
     "points": 42
    },
    {
     "label": "> 9162.70",
     "lo": 9162.700000000008,
     "hi": null,
     "levels": [],
     "woe": -1.2528,
     "bad_rate": 0.6,
     "count": 35,
     "points": 23
    }
   ]
  },
  "installment_rate": {
   "pretty": "Instalment as % of disposable income",
   "kind": "numeric",
   "bins": [
    {
     "label": "<= 3",
     "lo": null,
     "hi": 3.0,
     "levels": [],
     "woe": 0.1662,
     "bad_rate": 0.2663,
     "count": 368,
     "points": 66
    },
    {
     "label": "> 3",
     "lo": 3.0,
     "hi": null,
     "levels": [],
     "woe": -0.1722,
     "bad_rate": 0.3373,
     "count": 332,
     "points": 48
    }
   ]
  }
 },
 "bin_options": {
  "checking_status": [
   "no checking account",
   ">= 200 DM",
   "0-200 DM",
   "< 0 DM"
  ],
  "duration_months": [
   "<= 6",
   "(6, 15]",
   "(15, 30]",
   "(30, 36]",
   "> 36"
  ],
  "credit_history": [
   "critical account / credits elsewhere",
   "past delay",
   "existing credits paid duly",
   "no credits / all paid / all paid at this bank"
  ],
  "purpose": [
   "retraining / car (used)",
   "radio/TV",
   "furniture",
   "appliances / business",
   "car (new) / other",
   "education / repairs"
  ],
  "employment_since": [
   "4-7 years",
   ">= 7 years",
   "1-4 years",
   "unemployed",
   "< 1 year"
  ],
  "other_installment_plans": [
   "none",
   "stores / bank"
  ],
  "savings": [
   ">= 1000 DM / 500-1000 DM",
   "unknown / none",
   "100-500 DM",
   "< 100 DM"
  ],
  "credit_amount": [
   "<= 3960.50",
   "(3960.50, 5955.65]",
   "(5955.65, 7166.80]",
   "(7166.80, 9162.70]",
   "> 9162.70"
  ],
  "installment_rate": [
   "<= 3",
   "> 3"
  ]
 },
 "raw_levels": {
  "checking_status": [
   "0-200 DM",
   "< 0 DM",
   ">= 200 DM",
   "no checking account"
  ],
  "credit_history": [
   "all paid at this bank",
   "critical account / credits elsewhere",
   "existing credits paid duly",
   "no credits / all paid",
   "past delay"
  ],
  "purpose": [
   "appliances",
   "business",
   "car (new)",
   "car (used)",
   "education",
   "furniture",
   "other",
   "radio/TV",
   "repairs",
   "retraining"
  ],
  "employment_since": [
   "1-4 years",
   "4-7 years",
   "< 1 year",
   ">= 7 years",
   "unemployed"
  ],
  "other_installment_plans": [
   "bank",
   "none",
   "stores"
  ],
  "savings": [
   "100-500 DM",
   "500-1000 DM",
   "< 100 DM",
   ">= 1000 DM",
   "unknown / none"
  ]
 },
 "numeric_ranges": {
  "duration_months": {
   "min": 4.0,
   "max": 72.0,
   "median": 18.0
  },
  "credit_amount": {
   "min": 250.0,
   "max": 18424.0,
   "median": 2319.5
  },
  "installment_rate": {
   "min": 1.0,
   "max": 4.0,
   "median": 3.0
  }
 },
 "cross_validation": {
  "n_fits": 25,
  "n_splits": 5,
  "n_repeats": 5,
  "gini_mean": 0.5599,
  "gini_std": 0.0831,
  "gini_p05": 0.4053,
  "gini_p95": 0.6683,
  "ks_mean": 0.4839,
  "ks_std": 0.0701,
  "selection_frequency": {
   "checking_status": 1.0,
   "duration_months": 1.0,
   "purpose": 1.0,
   "credit_history": 1.0,
   "employment_since": 0.92,
   "other_installment_plans": 0.88,
   "savings": 0.88,
   "credit_amount": 0.64,
   "installment_rate": 0.56,
   "telephone": 0.36,
   "other_debtors": 0.32,
   "age_years": 0.16,
   "property": 0.04
  }
 }
}