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Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit

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Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003
August 2007

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Tables for Figures 6.A.-6.E.

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	98.54	99.67	99.05	94.77
0.5	97.95	99.23	98.49	94.48
1	97.36	98.80	97.93	94.19
1.5	96.77	98.36	97.38	93.90
2	96.18	97.93	96.82	93.61
2.5	95.58	97.49	96.26	93.32
3	94.99	97.06	95.71	93.03
3.5	94.40	96.62	95.15	92.74
4	93.81	96.18	94.60	92.45
4.5	93.22	95.75	94.04	92.15
5	92.63	95.31	93.48	91.86
5.5	92.04	94.88	92.93	91.57
6	91.45	94.44	92.37	91.28
6.5	90.86	94.01	91.82	90.99
7	90.27	93.57	91.26	90.70
7.5	89.68	93.14	90.70	90.41
8	89.09	92.70	90.15	90.12
8.5	88.50	92.27	89.59	89.83
9	87.91	91.83	89.04	89.54
9.5	87.32	91.39	88.48	89.25
10	86.73	90.96	87.92	88.96
10.5	86.05	90.71	87.42	87.46
11	85.37	90.46	86.92	85.96
11.5	84.69	90.21	86.41	84.46
12	84.01	89.96	85.91	82.96
12.5	83.33	89.70	85.41	81.46
13	82.65	89.45	84.90	79.96
13.5	81.97	89.20	84.40	78.45
14	81.30	88.95	83.89	76.95
14.5	80.62	88.70	83.39	75.45
15	79.94	88.45	82.89	73.95
15.5	79.26	88.20	82.38	72.45
16	78.58	87.95	81.88	70.95
16.5	77.90	87.70	81.38	69.45
17	77.22	87.45	80.87	67.95
17.5	76.54	87.20	80.37	66.45
18	75.86	86.94	79.87	64.95
18.5	75.18	86.69	79.36	63.45
19	74.50	86.44	78.86	61.95
19.5	73.82	86.19	78.35	60.45
20	73.14	85.94	77.85	58.95
20.5	71.27	84.17	75.88	57.78
21	69.41	82.39	73.91	56.60
21.5	67.54	80.62	71.95	55.43
22	65.68	78.84	69.98	54.26
22.5	63.81	77.07	68.01	53.09
23	61.95	75.29	66.04	51.91
23.5	60.08	73.52	64.08	50.74
24	58.22	71.75	62.11	49.57
24.5	56.35	69.97	60.14	48.40
25	54.49	68.20	58.17	47.22
25.5	52.62	66.42	56.20	46.05
26	50.76	64.65	54.24	44.88
26.5	48.89	62.87	52.27	43.71
27	47.03	61.10	50.30	42.53
27.5	45.16	59.33	48.33	41.36
28	43.30	57.55	46.36	40.19
28.5	41.43	55.78	44.40	39.02
29	39.57	54.00	42.43	37.84
29.5	37.70	52.23	40.46	36.67
30	35.84	50.45	38.49	35.50
30.5	34.91	49.37	37.74	34.37
31	33.99	48.29	36.99	33.24
31.5	33.07	47.21	36.24	32.11
32	32.15	46.12	35.49	30.98
32.5	31.23	45.04	34.74	29.85
33	30.31	43.96	33.99	28.72
33.5	29.39	42.88	33.24	27.59
34	28.47	41.80	32.49	26.46
34.5	27.55	40.71	31.74	25.33
35	26.63	39.63	30.99	24.20
35.5	25.71	38.55	30.24	23.08
36	24.79	37.47	29.49	21.95
36.5	23.86	36.38	28.74	20.82
37	22.94	35.30	27.99	19.69
37.5	22.02	34.22	27.24	18.56
38	21.10	33.14	26.49	17.43
38.5	20.18	32.06	25.74	16.30
39	19.26	30.97	24.99	15.17
39.5	18.34	29.89	24.24	14.04
40	17.42	28.81	23.49	12.91
40.5	16.96	28.11	22.99	12.73
41	16.51	27.40	22.48	12.54
41.5	16.05	26.70	21.97	12.36
42	15.59	25.99	21.46	12.17
42.5	15.14	25.29	20.95	11.99
43	14.68	24.59	20.44	11.80
43.5	14.23	23.88	19.93	11.62
44	13.77	23.18	19.42	11.44
44.5	13.31	22.47	18.91	11.25
45	12.86	21.77	18.40	11.07
45.5	12.40	21.07	17.89	10.88
46	11.94	20.36	17.38	10.70
46.5	11.49	19.66	16.87	10.51
47	11.03	18.96	16.36	10.33
47.5	10.58	18.25	15.85	10.15
48	10.12	17.55	15.34	9.96
48.5	9.66	16.84	14.84	9.78
49	9.21	16.14	14.33	9.59
49.5	8.75	15.44	13.82	9.41
50	8.30	14.73	13.31	9.22
50.5	8.11	14.60	13.09	8.94
51	7.93	14.46	12.86	8.66
51.5	7.75	14.33	12.64	8.38
52	7.57	14.19	12.42	8.10
52.5	7.39	14.06	12.20	7.82
53	7.21	13.92	11.98	7.54
53.5	7.03	13.79	11.76	7.26
54	6.85	13.65	11.54	6.98
54.5	6.66	13.52	11.32	6.70
55	6.48	13.38	11.09	6.42
55.5	6.30	13.24	10.87	6.14
56	6.12	13.11	10.65	5.86
56.5	5.94	12.97	10.43	5.58
57	5.76	12.84	10.21	5.30
57.5	5.58	12.70	9.99	5.02
58	5.40	12.57	9.77	4.74
58.5	5.22	12.43	9.55	4.46
59	5.03	12.30	9.32	4.18
59.5	4.85	12.16	9.10	3.90
60	4.67	12.03	8.88	3.62
60.5	4.58	11.81	8.75	3.69
61	4.49	11.59	8.62	3.75
61.5	4.39	11.38	8.50	3.81
62	4.30	11.16	8.37	3.87
62.5	4.21	10.94	8.24	3.93
63	4.12	10.72	8.11	3.99
63.5	4.03	10.51	7.98	4.05
64	3.93	10.29	7.85	4.11
64.5	3.84	10.07	7.72	4.17
65	3.75	9.85	7.59	4.23
65.5	3.66	9.64	7.46	4.30
66	3.56	9.42	7.33	4.36
66.5	3.47	9.20	7.20	4.42
67	3.38	8.99	7.08	4.48
67.5	3.29	8.77	6.95	4.54
68	3.20	8.55	6.82	4.60
68.5	3.10	8.33	6.69	4.66
69	3.01	8.12	6.56	4.72
69.5	2.92	7.90	6.43	4.78
70	2.83	7.68	6.30	4.84
70.5	2.77	7.51	6.15	4.71
71	2.71	7.34	5.99	4.58
71.5	2.66	7.16	5.84	4.45
72	2.60	6.99	5.69	4.32
73	2.49	6.64	5.38	4.05
73.5	2.43	6.47	5.22	3.92
74	2.37	6.30	5.07	3.79
74.5	2.32	6.12	4.92	3.66
75	2.26	5.95	4.76	3.52
75.5	2.21	5.78	4.61	3.39
76	2.15	5.60	4.46	3.26
76.5	2.09	5.43	4.30	3.13
77	2.04	5.26	4.15	3.00
78	1.92	4.91	3.84	2.73
78.5	1.87	4.74	3.69	2.60
79	1.81	4.57	3.53	2.47
79.5	1.75	4.39	3.38	2.34
80	1.70	4.22	3.22	2.20
80.5	1.69	4.27	3.16	2.15
81	1.68	4.32	3.10	2.09
81.5	1.66	4.37	3.04	2.03
82	1.65	4.42	2.97	1.98
82.5	1.64	4.47	2.91	1.92
83	1.63	4.52	2.85	1.86
83.5	1.62	4.57	2.79	1.80
84	1.61	4.62	2.72	1.75
84.5	1.60	4.67	2.66	1.69
85	1.58	4.72	2.60	1.63
85.5	1.57	4.77	2.53	1.58
86	1.56	4.82	2.47	1.52
86.5	1.55	4.87	2.41	1.46
87	1.54	4.92	2.35	1.41
87.5	1.53	4.97	2.28	1.35
88	1.52	5.02	2.22	1.29
88.5	1.50	5.07	2.16	1.23
89	1.49	5.13	2.10	1.18
89.5	1.48	5.18	2.03	1.12
90	1.47	5.23	1.97	1.06
90.5	1.44	5.01	1.92	1.05
91	1.41	4.80	1.86	1.04
91.5	1.38	4.59	1.81	1.02
92	1.35	4.37	1.75	1.01
93	1.30	3.95	1.64	0.98
93.5	1.27	3.73	1.58	0.97
94	1.24	3.52	1.53	0.95
94.5	1.21	3.31	1.47	0.94
95	1.18	3.10	1.42	0.93
95.5	1.15	2.88	1.36	0.91
96	1.13	2.67	1.31	0.90
96.5	1.10	2.46	1.25	0.88
97	1.07	2.24	1.20	0.87
97.5	1.04	2.03	1.14	0.86
98	1.01	1.82	1.09	0.84
98.5	0.98	1.60	1.03	0.83
99	0.95	1.39	0.98	0.82
99.5	0.93	1.18	0.92	0.80
100	0.90	0.96	0.87	0.79

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	98.73	99.18	99.01	98.86
0.5	98.17	98.76	98.47	98.28
1	97.61	98.33	97.93	97.70
1.5	97.06	97.90	97.39	97.13
2	96.50	97.47	96.85	96.55
2.5	95.95	97.05	96.32	95.97
3	95.39	96.62	95.78	95.40
3.5	94.84	96.19	95.24	94.82
4	94.28	95.77	94.70	94.25
4.5	93.73	95.34	94.17	93.67
5	93.17	94.91	93.63	93.09
5.5	92.61	94.48	93.09	92.52
6	92.06	94.06	92.55	91.94
6.5	91.50	93.63	92.01	91.37
7	90.95	93.20	91.48	90.79
7.5	90.39	92.78	90.94	90.21
8	89.84	92.35	90.40	89.64
8.5	89.28	91.92	89.86	89.06
9	88.72	91.49	89.32	88.49
9.5	88.17	91.07	88.79	87.91
10	87.61	90.64	88.25	87.33
10.5	86.98	90.30	87.73	86.49
11	86.35	89.95	87.20	85.64
11.5	85.72	89.61	86.68	84.80
12	85.09	89.26	86.16	83.95
12.5	84.46	88.92	85.63	83.10
13	83.83	88.57	85.11	82.26
13.5	83.20	88.23	84.59	81.41
14	82.57	87.88	84.06	80.57
14.5	81.94	87.54	83.54	79.72
15	81.31	87.19	83.02	78.87
15.5	80.68	86.85	82.49	78.03
16	80.05	86.50	81.97	77.18
16.5	79.42	86.16	81.45	76.34
17	78.79	85.81	80.93	75.49
17.5	78.16	85.47	80.40	74.64
18	77.53	85.12	79.88	73.80
18.5	76.90	84.78	79.36	72.95
19	76.26	84.43	78.83	72.11
19.5	75.63	84.09	78.31	71.26
20	75.00	83.74	77.79	70.41
20.5	73.09	81.85	75.80	68.61
21	71.18	79.96	73.81	66.81
21.5	69.27	78.07	71.83	65.01
22	67.36	76.18	69.84	63.21
22.5	65.46	74.29	67.85	61.41
23	63.55	72.40	65.86	59.61
23.5	61.64	70.51	63.88	57.81
24	59.73	68.62	61.89	56.01
24.5	57.82	66.72	59.90	54.21
25	55.91	64.83	57.92	52.40
25.5	54.00	62.94	55.93	50.60
26	52.09	61.05	53.94	48.80
26.5	50.18	59.16	51.96	47.00
27	48.27	57.27	49.97	45.20
27.5	46.36	55.38	47.98	43.40
28	44.45	53.49	45.99	41.60
28.5	42.54	51.60	44.01	39.80
29	40.63	49.71	42.02	38.00
29.5	38.72	47.82	40.03	36.20
30	36.81	45.93	38.05	34.39
30.5	35.89	44.85	37.29	33.51
31	34.98	43.77	36.54	32.63
31.5	34.06	42.69	35.79	31.75
32	33.14	41.61	35.04	30.86
32.5	32.23	40.53	34.28	29.98
33	31.31	39.45	33.53	29.10
33.5	30.40	38.37	32.78	28.22
34	29.48	37.29	32.02	27.33
34.5	28.57	36.21	31.27	26.45
35	27.65	35.13	30.52	25.57
35.5	26.73	34.05	29.77	24.69
36	25.82	32.97	29.01	23.80
36.5	24.90	31.89	28.26	22.92
37	23.99	30.81	27.51	22.04
37.5	23.07	29.74	26.76	21.16
38	22.15	28.66	26.00	20.27
38.5	21.24	27.58	25.25	19.39
39	20.32	26.50	24.50	18.51
39.5	19.41	25.42	23.75	17.63
40	18.49	24.34	22.99	16.74
40.5	17.98	23.75	22.43	16.33
41	17.47	23.15	21.87	15.91
41.5	16.96	22.56	21.31	15.49
42	16.45	21.97	20.75	15.08
42.5	15.94	21.37	20.18	14.66
43	15.43	20.78	19.62	14.24
43.5	14.92	20.19	19.06	13.82
44	14.41	19.59	18.50	13.41
44.5	13.90	19.00	17.94	12.99
45	13.39	18.41	17.38	12.57
45.5	12.88	17.82	16.81	12.16
46	12.37	17.22	16.25	11.74
46.5	11.86	16.63	15.69	11.32
47	11.35	16.04	15.13	10.91
47.5	10.84	15.44	14.57	10.49
48	10.33	14.85	14.01	10.07
48.5	9.82	14.26	13.44	9.66
49	9.31	13.67	12.88	9.24
49.5	8.80	13.07	12.32	8.82
50	8.29	12.48	11.76	8.41
50.5	8.14	12.27	11.55	8.24
51	7.98	12.07	11.35	8.07
51.5	7.83	11.86	11.14	7.90
52	7.67	11.66	10.93	7.73
52.5	7.52	11.45	10.73	7.56
53	7.36	11.25	10.52	7.39
53.5	7.21	11.04	10.31	7.22
54	7.05	10.84	10.11	7.05
54.5	6.90	10.63	9.90	6.88
55	6.74	10.43	9.69	6.71
55.5	6.59	10.22	9.49	6.54
56	6.43	10.02	9.28	6.37
56.5	6.28	9.81	9.07	6.20
57	6.12	9.61	8.87	6.03
57.5	5.97	9.40	8.66	5.86
58	5.81	9.20	8.45	5.68
58.5	5.66	8.99	8.25	5.51
59	5.50	8.79	8.04	5.34
59.5	5.35	8.58	7.83	5.17
60	5.20	8.38	7.63	5.00
60.5	5.08	8.19	7.46	4.93
61	4.97	8.00	7.29	4.86
61.5	4.85	7.81	7.12	4.79
62	4.74	7.62	6.95	4.71
62.5	4.63	7.43	6.78	4.64
63	4.51	7.24	6.61	4.57
63.5	4.40	7.05	6.44	4.50
64	4.29	6.86	6.27	4.42
64.5	4.17	6.67	6.10	4.35
65	4.06	6.48	5.93	4.28
65.5	3.94	6.29	5.77	4.21
66	3.83	6.10	5.60	4.13
66.5	3.72	5.91	5.43	4.06
67	3.60	5.72	5.26	3.99
67.5	3.49	5.53	5.09	3.92
68	3.38	5.34	4.92	3.84
68.5	3.26	5.15	4.75	3.77
69	3.15	4.96	4.58	3.70
69.5	3.03	4.77	4.41	3.63
70	2.92	4.58	4.24	3.55
70.5	2.86	4.50	4.19	3.49
71	2.80	4.42	4.14	3.43
71.5	2.74	4.34	4.08	3.37
72	2.68	4.26	4.03	3.31
73	2.57	4.10	3.92	3.18
73.5	2.51	4.02	3.87	3.12
74	2.45	3.94	3.81	3.06
74.5	2.39	3.86	3.76	2.99
75	2.33	3.78	3.70	2.93
75.5	2.27	3.70	3.65	2.87
76	2.21	3.62	3.60	2.81
76.5	2.15	3.54	3.54	2.75
77	2.09	3.46	3.49	2.68
78	1.97	3.30	3.38	2.56
78.5	1.91	3.23	3.33	2.50
79	1.85	3.15	3.27	2.43
79.5	1.80	3.07	3.22	2.37
80	1.74	2.99	3.17	2.31
80.5	1.73	2.97	3.09	2.28
81	1.71	2.95	3.02	2.25
81.5	1.70	2.94	2.94	2.22
82	1.69	2.92	2.87	2.19
82.5	1.68	2.90	2.80	2.16
83	1.67	2.89	2.72	2.13
83.5	1.66	2.87	2.65	2.10
84	1.64	2.85	2.57	2.07
84.5	1.63	2.84	2.50	2.04
85	1.62	2.82	2.43	2.01
85.5	1.61	2.80	2.35	1.97
86	1.60	2.79	2.28	1.94
86.5	1.59	2.77	2.20	1.91
87	1.58	2.75	2.13	1.88
87.5	1.56	2.74	2.06	1.85
88	1.55	2.72	1.98	1.82
88.5	1.54	2.70	1.91	1.79
89	1.53	2.69	1.83	1.76
89.5	1.52	2.67	1.76	1.73
90	1.51	2.65	1.69	1.70
90.5	1.48	2.59	1.66	1.65
91	1.45	2.53	1.64	1.61
91.5	1.42	2.47	1.61	1.56
92	1.39	2.42	1.59	1.52
93	1.33	2.30	1.54	1.42
93.5	1.30	2.24	1.52	1.38
94	1.27	2.18	1.49	1.33
94.5	1.24	2.12	1.47	1.29
95	1.21	2.06	1.44	1.24
95.5	1.18	2.00	1.42	1.19
96	1.15	1.94	1.39	1.15
96.5	1.12	1.88	1.37	1.10
97	1.09	1.82	1.35	1.06
97.5	1.06	1.76	1.32	1.01
98	1.03	1.70	1.30	0.96
98.5	1.00	1.64	1.27	0.92
99	0.97	1.58	1.25	0.87
99.5	0.94	1.52	1.22	0.83
100	0.91	1.46	1.20	0.78

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Sex
Percent bad

Score	Male	Female
0	99.61	98.40
0.5	99.02	97.90
1	98.42	97.40
1.5	97.82	96.90
2	97.23	96.40
2.5	96.63	95.90
3	96.03	95.40
3.5	95.44	94.90
4	94.84	94.40
4.5	94.25	93.90
5	93.65	93.40
5.5	93.05	92.90
6	92.46	92.40
6.5	91.86	91.90
7	91.26	91.40
7.5	90.67	90.90
8	90.07	90.40
8.5	89.47	89.89
9	88.88	89.39
9.5	88.28	88.89
10	87.69	88.39
10.5	87.08	87.82
11	86.47	87.25
11.5	85.87	86.68
12	85.26	86.11
12.5	84.66	85.54
13	84.05	84.96
13.5	83.44	84.39
14	82.84	83.82
14.5	82.23	83.25
15	81.63	82.68
15.5	81.02	82.11
16	80.41	81.54
16.5	79.81	80.96
17	79.20	80.39
17.5	78.60	79.82
18	77.99	79.25
18.5	77.38	78.68
19	76.78	78.11
19.5	76.17	77.53
20	75.57	76.96
20.5	73.64	75.05
21	71.72	73.13
21.5	69.80	71.22
22	67.88	69.31
22.5	65.96	67.39
23	64.04	65.48
23.5	62.11	63.56
24	60.19	61.65
24.5	58.27	59.74
25	56.35	57.82
25.5	54.43	55.91
26	52.50	53.99
26.5	50.58	52.08
27	48.66	50.17
27.5	46.74	48.25
28	44.82	46.34
28.5	42.89	44.42
29	40.97	42.51
29.5	39.05	40.59
30	37.13	38.68
30.5	36.21	37.71
31	35.29	36.74
31.5	34.38	35.77
32	33.46	34.80
32.5	32.54	33.83
33	31.62	32.87
33.5	30.71	31.90
34	29.79	30.93
34.5	28.87	29.96
35	27.95	28.99
35.5	27.04	28.02
36	26.12	27.05
36.5	25.20	26.08
37	24.28	25.11
37.5	23.36	24.14
38	22.45	23.17
38.5	21.53	22.20
39	20.61	21.23
39.5	19.69	20.26
40	18.78	19.30
40.5	18.28	18.79
41	17.79	18.28
41.5	17.30	17.77
42	16.80	17.26
42.5	16.31	16.76
43	15.82	16.25
43.5	15.32	15.74
44	14.83	15.23
44.5	14.34	14.73
45	13.84	14.22
45.5	13.35	13.71
46	12.86	13.20
46.5	12.37	12.70
47	11.87	12.19
47.5	11.38	11.68
48	10.89	11.17
48.5	10.39	10.67
49	9.90	10.16
49.5	9.41	9.65
50	8.91	9.14
50.5	8.72	8.97
51	8.54	8.79
51.5	8.35	8.61
52	8.16	8.43
52.5	7.97	8.26
53	7.79	8.08
53.5	7.60	7.90
54	7.41	7.73
54.5	7.22	7.55
55	7.04	7.37
55.5	6.85	7.19
56	6.66	7.02
56.5	6.47	6.84
57	6.29	6.66
57.5	6.10	6.49
58	5.91	6.31
58.5	5.72	6.13
59	5.54	5.95
59.5	5.35	5.78
60	5.16	5.60
60.5	5.09	5.46
61	5.02	5.33
61.5	4.95	5.20
62	4.88	5.06
62.5	4.80	4.93
63	4.73	4.79
63.5	4.66	4.66
64	4.59	4.52
64.5	4.52	4.39
65	4.45	4.25
65.5	4.38	4.12
66	4.30	3.98
66.5	4.23	3.85
67	4.16	3.71
67.5	4.09	3.58
68	4.02	3.44
68.5	3.95	3.31
69	3.88	3.17
69.5	3.80	3.04
70	3.73	2.90
70.5	3.63	2.86
71	3.53	2.81
71.5	3.44	2.77
72	3.34	2.72
73	3.14	2.63
73.5	3.04	2.58
74	2.94	2.54
74.5	2.84	2.49
75	2.74	2.45
75.5	2.64	2.40
76	2.54	2.35
76.5	2.44	2.31
77	2.35	2.26
78	2.15	2.17
78.5	2.05	2.13
79	1.95	2.08
79.5	1.85	2.03
80	1.75	1.99
80.5	1.75	1.96
81	1.75	1.94
81.5	1.75	1.91
82	1.75	1.89
82.5	1.75	1.86
83	1.75	1.84
83.5	1.75	1.81
84	1.75	1.79
84.5	1.75	1.76
85	1.75	1.74
85.5	1.75	1.71
86	1.75	1.69
86.5	1.75	1.66
87	1.75	1.64
87.5	1.75	1.61
88	1.75	1.59
88.5	1.75	1.56
89	1.75	1.54
89.5	1.75	1.51
90	1.75	1.49
90.5	1.71	1.45
91	1.67	1.42
91.5	1.63	1.39
92	1.59	1.36
93	1.51	1.29
93.5	1.47	1.26
94	1.43	1.23
94.5	1.39	1.20
95	1.35	1.16
95.5	1.31	1.13
96	1.27	1.10
96.5	1.23	1.07
97	1.19	1.03
97.5	1.15	1.00
98	1.11	0.97
98.5	1.07	0.94
99	1.03	0.91
99.5	0.99	0.87
100	0.95	0.84

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	99.95	99.35	98.46	97.37	95.88
0.5	99.35	98.83	97.97	96.89	95.41
1	98.76	98.30	97.47	96.42	94.94
1.5	98.16	97.78	96.98	95.94	94.46
2	97.57	97.25	96.48	95.47	93.99
2.5	96.97	96.72	95.99	94.99	93.51
3	96.38	96.20	95.49	94.52	93.04
3.5	95.78	95.67	95.00	94.04	92.56
4	95.19	95.15	94.50	93.57	92.09
4.5	94.60	94.62	94.01	93.09	91.62
5	94.00	94.09	93.51	92.61	91.14
5.5	93.41	93.57	93.01	92.14	90.67
6	92.81	93.04	92.52	91.66	90.19
6.5	92.22	92.52	92.02	91.19	89.72
7	91.62	91.99	91.53	90.71	89.25
7.5	91.03	91.46	91.03	90.24	88.77
8	90.44	90.94	90.54	89.76	88.30
8.5	89.84	90.41	90.04	89.29	87.82
9	89.25	89.89	89.55	88.81	87.35
9.5	88.65	89.36	89.05	88.34	86.87
10	88.06	88.83	88.56	87.86	86.40
10.5	87.93	88.18	87.83	87.02	85.35
11	87.79	87.52	87.10	86.17	84.31
11.5	87.66	86.86	86.37	85.33	83.26
12	87.53	86.21	85.64	84.49	82.21
12.5	87.40	85.55	84.91	83.64	81.17
13	87.26	84.89	84.19	82.80	80.12
13.5	87.13	84.24	83.46	81.95	79.07
14	87.00	83.58	82.73	81.11	78.03
14.5	86.87	82.93	82.00	80.26	76.98
15	86.73	82.27	81.27	79.42	75.94
15.5	86.60	81.61	80.54	78.58	74.89
16	86.47	80.96	79.82	77.73	73.84
16.5	86.34	80.30	79.09	76.89	72.80
17	86.21	79.64	78.36	76.04	71.75
17.5	86.07	78.99	77.63	75.20	70.70
18	85.94	78.33	76.90	74.35	69.66
18.5	85.81	77.67	76.17	73.51	68.61
19	85.68	77.02	75.45	72.67	67.56
19.5	85.54	76.36	74.72	71.82	66.52
20	85.41	75.70	73.99	70.98	65.47
20.5	83.03	73.79	72.25	69.31	64.05
21	80.65	71.88	70.52	67.65	62.64
21.5	78.27	69.96	68.79	65.99	61.22
22	75.88	68.05	67.05	64.33	59.81
22.5	73.50	66.13	65.32	62.66	58.39
23	71.12	64.22	63.58	61.00	56.98
23.5	68.74	62.30	61.85	59.34	55.56
24	66.36	60.39	60.12	57.68	54.15
24.5	63.97	58.47	58.38	56.01	52.73
25	61.59	56.56	56.65	54.35	51.32
25.5	59.21	54.64	54.91	52.69	49.90
26	56.83	52.73	53.18	51.03	48.49
26.5	54.45	50.82	51.45	49.37	47.07
27	52.06	48.90	49.71	47.70	45.66
27.5	49.68	46.99	47.98	46.04	44.24
28	47.30	45.07	46.24	44.38	42.83
28.5	44.92	43.16	44.51	42.72	41.41
29	42.54	41.24	42.78	41.05	40.00
29.5	40.15	39.33	41.04	39.39	38.58
30	37.77	37.41	39.31	37.73	37.17
30.5	36.92	36.44	38.24	36.77	36.32
31	36.06	35.47	37.17	35.81	35.48
31.5	35.21	34.50	36.11	34.85	34.63
32	34.35	33.54	35.04	33.88	33.78
32.5	33.50	32.57	33.98	32.92	32.93
33	32.64	31.60	32.91	31.96	32.09
33.5	31.79	30.63	31.84	31.00	31.24
34	30.93	29.66	30.78	30.04	30.39
34.5	30.08	28.69	29.71	29.08	29.55
35	29.22	27.72	28.64	28.12	28.70
35.5	28.36	26.75	27.58	27.16	27.85
36	27.51	25.78	26.51	26.19	27.00
36.5	26.65	24.81	25.44	25.23	26.16
37	25.80	23.84	24.38	24.27	25.31
37.5	24.94	22.87	23.31	23.31	24.46
38	24.09	21.90	22.24	22.35	23.62
38.5	23.23	20.93	21.18	21.39	22.77
39	22.38	19.96	20.11	20.43	21.92
39.5	21.52	18.99	19.04	19.47	21.07
40	20.67	18.02	17.98	18.51	20.23
40.5	20.13	17.54	17.53	18.03	19.65
41	19.60	17.05	17.08	17.56	19.07
41.5	19.06	16.56	16.63	17.09	18.50
42	18.53	16.07	16.19	16.62	17.92
42.5	17.99	15.58	15.74	16.15	17.34
43	17.46	15.09	15.29	15.68	16.76
43.5	16.92	14.60	14.84	15.21	16.19
44	16.39	14.11	14.40	14.74	15.61
44.5	15.85	13.62	13.95	14.27	15.03
45	15.32	13.13	13.50	13.79	14.46
45.5	14.78	12.65	13.05	13.32	13.88
46	14.25	12.16	12.60	12.85	13.30
46.5	13.72	11.67	12.16	12.38	12.72
47	13.18	11.18	11.71	11.91	12.15
47.5	12.65	10.69	11.26	11.44	11.57
48	12.11	10.20	10.81	10.97	10.99
48.5	11.58	9.71	10.37	10.50	10.42
49	11.04	9.22	9.92	10.03	9.84
49.5	10.51	8.73	9.47	9.56	9.26
50	9.97	8.24	9.02	9.08	8.68
50.5	9.74	8.11	8.82	8.87	8.58
51	9.50	7.98	8.61	8.67	8.47
51.5	9.27	7.85	8.40	8.46	8.36
52	9.03	7.72	8.20	8.25	8.25
52.5	8.80	7.59	7.99	8.04	8.14
53	8.56	7.46	7.79	7.83	8.03
53.5	8.33	7.33	7.58	7.62	7.92
54	8.09	7.19	7.37	7.41	7.81
54.5	7.86	7.06	7.17	7.20	7.70
55	7.62	6.93	6.96	6.99	7.60
55.5	7.39	6.80	6.76	6.78	7.49
56	7.15	6.67	6.55	6.57	7.38
56.5	6.92	6.54	6.34	6.36	7.27
57	6.68	6.41	6.14	6.15	7.16
57.5	6.45	6.27	5.93	5.94	7.05
58	6.21	6.14	5.72	5.74	6.94
58.5	5.97	6.01	5.52	5.53	6.83
59	5.74	5.88	5.31	5.32	6.72
59.5	5.50	5.75	5.11	5.11	6.62
60	5.27	5.62	4.90	4.90	6.51
60.5	5.16	5.53	4.78	4.82	6.37
61	5.05	5.44	4.66	4.74	6.23
61.5	4.94	5.34	4.54	4.66	6.09
62	4.83	5.25	4.42	4.58	5.95
62.5	4.72	5.16	4.30	4.50	5.81
63	4.62	5.07	4.18	4.42	5.68
63.5	4.51	4.98	4.06	4.35	5.54
64	4.40	4.89	3.94	4.27	5.40
64.5	4.29	4.79	3.82	4.19	5.26
65	4.18	4.70	3.70	4.11	5.12
65.5	4.07	4.61	3.58	4.03	4.98
66	3.96	4.52	3.46	3.95	4.84
66.5	3.85	4.43	3.34	3.87	4.70
67	3.74	4.34	3.22	3.79	4.57
67.5	3.63	4.24	3.10	3.72	4.43
68	3.53	4.15	2.98	3.64	4.29
68.5	3.42	4.06	2.86	3.56	4.15
69	3.31	3.97	2.74	3.48	4.01
69.5	3.20	3.88	2.62	3.40	3.87
70	3.09	3.79	2.50	3.32	3.73
70.5	3.08	3.68	2.46	3.24	3.65
71	3.06	3.58	2.42	3.15	3.57
71.5	3.04	3.48	2.39	3.07	3.48
72	3.03	3.38	2.35	2.99	3.40
73	3.00	3.18	2.28	2.82	3.24
73.5	2.98	3.08	2.24	2.74	3.15
74	2.97	2.98	2.21	2.65	3.07
74.5	2.95	2.88	2.17	2.57	2.99
75	2.94	2.78	2.13	2.48	2.90
75.5	2.92	2.67	2.10	2.40	2.82
76	2.91	2.57	2.06	2.32	2.74
76.5	2.89	2.47	2.03	2.23	2.65
77	2.88	2.37	1.99	2.15	2.57
78	2.85	2.17	1.92	1.98	2.41
78.5	2.83	2.07	1.88	1.90	2.32
79	2.82	1.97	1.85	1.81	2.24
79.5	2.80	1.87	1.81	1.73	2.16
80	2.79	1.76	1.77	1.65	2.07
80.5	2.65	1.75	1.76	1.64	2.06
81	2.52	1.73	1.75	1.63	2.05
81.5	2.38	1.71	1.74	1.62	2.03
82	2.25	1.69	1.73	1.61	2.02
82.5	2.11	1.67	1.71	1.61	2.01
83	1.97	1.65	1.70	1.60	1.99
83.5	1.84	1.63	1.69	1.59	1.98
84	1.70	1.61	1.68	1.58	1.97
84.5	1.57	1.60	1.67	1.57	1.95
85	1.43	1.58	1.65	1.56	1.94
85.5	1.29	1.56	1.64	1.56	1.93
86	1.16	1.54	1.63	1.55	1.91
86.5	1.02	1.52	1.62	1.54	1.90
87	0.89	1.50	1.61	1.53	1.89
87.5	0.75	1.48	1.59	1.52	1.87
88	0.62	1.46	1.58	1.51	1.86
88.5	0.48	1.45	1.57	1.51	1.85
89	0.34	1.43	1.56	1.50	1.83
89.5	0.21	1.41	1.55	1.49	1.82
90	0.07	1.39	1.54	1.48	1.81
90.5	0.07	1.33	1.47	1.44	1.78
91	0.06	1.27	1.40	1.39	1.75
91.5	0.05	1.20	1.34	1.34	1.73
92	0.05	1.14	1.27	1.30	1.70
93	0.03	1.02	1.14	1.20	1.64
93.5	0.03	0.96	1.07	1.16	1.62
94	0.02	0.90	1.00	1.11	1.59
94.5	0.01	0.83	0.94	1.07	1.56
95	0.01	0.77	0.87	1.02	1.54
95.5	0.00	0.71	0.81	0.97	1.51
96	0.00	0.65	0.74	0.93	1.48
96.5	0.00	0.59	0.67	0.88	1.46
97	0.00	0.52	0.61	0.83	1.43
97.5	0.00	0.46	0.54	0.79	1.40
98	0.00	0.40	0.47	0.74	1.37
98.5	0.00	0.34	0.41	0.70	1.35
99	0.00	0.28	0.34	0.65	1.32
99.5	0.00	0.22	0.28	0.60	1.29
100	0.00	0.15	0.21	0.56	1.27

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	99.33	99.10	97.09	98.52
0.5	98.72	98.59	96.66	98.02
1	98.11	98.08	96.24	97.53
1.5	97.50	97.57	95.81	97.03
2	96.90	97.06	95.39	96.54
2.5	96.29	96.55	94.97	96.05
3	95.68	96.04	94.54	95.55
3.5	95.07	95.52	94.12	95.06
4	94.47	95.01	93.69	94.56
4.5	93.86	94.50	93.27	94.07
5	93.25	93.99	92.85	93.58
5.5	92.64	93.48	92.42	93.08
6	92.03	92.97	92.00	92.59
6.5	91.43	92.46	91.57	92.10
7	90.82	91.94	91.15	91.60
7.5	90.21	91.43	90.73	91.11
8	89.60	90.92	90.30	90.61
8.5	88.99	90.41	89.88	90.12
9	88.39	89.90	89.45	89.63
9.5	87.78	89.39	89.03	89.13
10	87.17	88.88	88.61	88.64
10.5	86.38	88.19	87.75	88.03
11	85.60	87.51	86.89	87.42
11.5	84.81	86.82	86.03	86.81
12	84.02	86.14	85.17	86.20
12.5	83.24	85.45	84.31	85.59
13	82.45	84.76	83.46	84.98
13.5	81.66	84.08	82.60	84.37
14	80.88	83.39	81.74	83.76
14.5	80.09	82.71	80.88	83.16
15	79.30	82.02	80.02	82.55
15.5	78.52	81.34	79.16	81.94
16	77.73	80.65	78.31	81.33
16.5	76.94	79.97	77.45	80.72
17	76.16	79.28	76.59	80.11
17.5	75.37	78.60	75.73	79.50
18	74.58	77.91	74.87	78.89
18.5	73.80	77.23	74.01	78.28
19	73.01	76.54	73.16	77.67
19.5	72.22	75.86	72.30	77.06
20	71.44	75.17	71.44	76.45
20.5	69.69	73.34	69.71	74.63
21	67.94	71.51	67.97	72.81
21.5	66.19	69.68	66.24	70.99
22	64.44	67.86	64.50	69.17
22.5	62.68	66.03	62.77	67.35
23	60.93	64.20	61.03	65.53
23.5	59.18	62.37	59.30	63.71
24	57.43	60.54	57.56	61.89
24.5	55.68	58.71	55.83	60.06
25	53.93	56.88	54.09	58.24
25.5	52.18	55.05	52.36	56.42
26	50.43	53.23	50.63	54.60
26.5	48.68	51.40	48.89	52.78
27	46.93	49.57	47.16	50.96
27.5	45.18	47.74	45.42	49.14
28	43.43	45.91	43.69	47.32
28.5	41.68	44.08	41.95	45.50
29	39.93	42.25	40.22	43.67
29.5	38.18	40.42	38.48	41.85
30	36.43	38.59	36.75	40.03
30.5	35.42	37.64	35.72	39.11
31	34.42	36.69	34.69	38.18
31.5	33.41	35.75	33.66	37.26
32	32.40	34.80	32.64	36.33
32.5	31.39	33.85	31.61	35.41
33	30.39	32.90	30.58	34.48
33.5	29.38	31.95	29.55	33.56
34	28.37	31.00	28.52	32.63
34.5	27.37	30.05	27.49	31.71
35	26.36	29.10	26.47	30.78
35.5	25.35	28.15	25.44	29.86
36	24.35	27.20	24.41	28.93
36.5	23.34	26.25	23.38	28.01
37	22.33	25.30	22.35	27.08
37.5	21.33	24.35	21.32	26.16
38	20.32	23.40	20.29	25.23
38.5	19.31	22.45	19.27	24.31
39	18.30	21.50	18.24	23.38
39.5	17.30	20.55	17.21	22.45
40	16.29	19.60	16.18	21.53
40.5	15.83	19.18	15.77	21.01
41	15.38	18.76	15.36	20.50
41.5	14.92	18.34	14.94	19.98
42	14.47	17.92	14.53	19.46
42.5	14.01	17.50	14.12	18.95
43	13.55	17.08	13.71	18.43
43.5	13.10	16.65	13.29	17.91
44	12.64	16.23	12.88	17.40
44.5	12.19	15.81	12.47	16.88
45	11.73	15.39	12.06	16.36
45.5	11.27	14.97	11.65	15.85
46	10.82	14.55	11.23	15.33
46.5	10.36	14.13	10.82	14.81
47	9.91	13.71	10.41	14.30
47.5	9.45	13.29	10.00	13.78
48	8.99	12.87	9.58	13.26
48.5	8.54	12.45	9.17	12.75
49	8.08	12.03	8.76	12.23
49.5	7.63	11.61	8.35	11.71
50	7.17	11.19	7.93	11.20
50.5	7.04	10.86	7.77	10.96
51	6.90	10.52	7.60	10.72
51.5	6.77	10.19	7.44	10.47
52	6.63	9.85	7.27	10.23
52.5	6.50	9.51	7.11	9.99
53	6.36	9.18	6.94	9.75
53.5	6.23	8.84	6.78	9.51
54	6.09	8.51	6.61	9.27
54.5	5.96	8.17	6.45	9.03
55	5.82	7.84	6.28	8.79
55.5	5.69	7.50	6.12	8.55
56	5.55	7.17	5.95	8.31
56.5	5.42	6.83	5.79	8.06
57	5.28	6.50	5.62	7.82
57.5	5.15	6.16	5.46	7.58
58	5.01	5.83	5.29	7.34
58.5	4.88	5.49	5.13	7.10
59	4.74	5.15	4.96	6.86
59.5	4.61	4.82	4.79	6.62
60	4.47	4.48	4.63	6.38
60.5	4.40	4.53	4.50	6.28
61	4.32	4.58	4.37	6.17
61.5	4.24	4.63	4.24	6.07
62	4.17	4.67	4.11	5.97
62.5	4.09	4.72	3.98	5.87
63	4.01	4.77	3.85	5.77
63.5	3.94	4.82	3.72	5.67
64	3.86	4.86	3.60	5.56
64.5	3.78	4.91	3.47	5.46
65	3.71	4.96	3.34	5.36
65.5	3.63	5.01	3.21	5.26
66	3.55	5.05	3.08	5.16
66.5	3.48	5.10	2.95	5.06
67	3.40	5.15	2.82	4.95
67.5	3.32	5.20	2.69	4.85
68	3.24	5.24	2.56	4.75
68.5	3.17	5.29	2.43	4.65
69	3.09	5.34	2.30	4.55
69.5	3.01	5.39	2.17	4.45
70	2.94	5.43	2.04	4.34
70.5	2.86	5.28	2.04	4.21
71	2.78	5.12	2.03	4.09
71.5	2.70	4.96	2.02	3.96
72	2.63	4.80	2.02	3.83
73	2.47	4.49	2.00	3.57
73.5	2.39	4.33	2.00	3.44
74	2.31	4.18	1.99	3.31
74.5	2.24	4.02	1.99	3.18
75	2.16	3.86	1.98	3.06
75.5	2.08	3.70	1.97	2.93
76	2.00	3.55	1.97	2.80
76.5	1.92	3.39	1.96	2.67
77	1.84	3.23	1.95	2.54
78	1.69	2.92	1.94	2.28
78.5	1.61	2.76	1.93	2.15
79	1.53	2.60	1.93	2.03
79.5	1.45	2.45	1.92	1.90
80	1.38	2.29	1.91	1.77
80.5	1.39	2.31	1.88	1.79
81	1.40	2.34	1.85	1.81
81.5	1.41	2.36	1.81	1.83
82	1.42	2.39	1.78	1.86
82.5	1.43	2.42	1.75	1.88
83	1.44	2.44	1.71	1.90
83.5	1.45	2.47	1.68	1.92
84	1.46	2.49	1.64	1.95
84.5	1.47	2.52	1.61	1.97
85	1.49	2.54	1.58	1.99
85.5	1.50	2.57	1.54	2.01
86	1.51	2.60	1.51	2.03
86.5	1.52	2.62	1.48	2.06
87	1.53	2.65	1.44	2.08
87.5	1.54	2.67	1.41	2.10
88	1.55	2.70	1.37	2.12
88.5	1.56	2.72	1.34	2.14
89	1.57	2.75	1.31	2.17
89.5	1.58	2.77	1.27	2.19
90	1.60	2.80	1.24	2.21
90.5	1.55	2.72	1.21	2.15
91	1.51	2.64	1.17	2.09
91.5	1.47	2.57	1.14	2.04
92	1.42	2.49	1.11	1.98
93	1.34	2.33	1.04	1.86
93.5	1.29	2.25	1.01	1.81
94	1.25	2.17	0.98	1.75
94.5	1.21	2.10	0.94	1.69
95	1.17	2.02	0.91	1.63
95.5	1.12	1.94	0.88	1.58
96	1.08	1.86	0.84	1.52
96.5	1.04	1.78	0.81	1.46
97	0.99	1.71	0.78	1.40
97.5	0.95	1.63	0.75	1.35
98	0.91	1.55	0.71	1.29
98.5	0.87	1.47	0.68	1.23
99	0.82	1.39	0.65	1.17
99.5	0.78	1.32	0.61	1.11
100	0.74	1.24	0.58	1.06

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	99.63	99.48	98.83	97.33
0.5	99.26	98.93	98.25	96.92
1	98.88	98.39	97.68	96.51
1.5	98.50	97.85	97.11	96.10
2	98.12	97.30	96.53	95.70
2.5	97.75	96.76	95.96	95.29
3	97.37	96.21	95.38	94.88
3.5	96.99	95.67	94.81	94.47
4	96.61	95.13	94.23	94.06
4.5	96.24	94.58	93.66	93.66
5	95.86	94.04	93.09	93.25
5.5	95.48	93.49	92.51	92.84
6	95.10	92.95	91.94	92.43
6.5	94.73	92.40	91.36	92.02
7	94.35	91.86	90.79	91.62
7.5	93.97	91.32	90.22	91.21
8	93.59	90.77	89.64	90.80
8.5	93.22	90.23	89.07	90.39
9	92.84	89.68	88.49	89.98
9.5	92.46	89.14	87.92	89.58
10	92.08	88.60	87.35	89.17
10.5	91.78	88.21	86.76	88.20
11	91.47	87.82	86.18	87.23
11.5	91.17	87.43	85.60	86.27
12	90.86	87.04	85.02	85.30
12.5	90.56	86.66	84.43	84.33
13	90.25	86.27	83.85	83.37
13.5	89.95	85.88	83.27	82.40
14	89.64	85.49	82.69	81.43
14.5	89.34	85.11	82.11	80.47
15	89.03	84.72	81.52	79.50
15.5	88.73	84.33	80.94	78.53
16	88.42	83.94	80.36	77.56
16.5	88.12	83.55	79.78	76.60
17	87.81	83.17	79.19	75.63
17.5	87.51	82.78	78.61	74.66
18	87.20	82.39	78.03	73.70
18.5	86.89	82.00	77.45	72.73
19	86.59	81.62	76.87	71.76
19.5	86.28	81.23	76.28	70.80
20	85.98	80.84	75.70	69.83
20.5	83.98	78.86	73.81	68.01
21	81.98	76.87	71.92	66.19
21.5	79.97	74.89	70.03	64.37
22	77.97	72.90	68.14	62.55
22.5	75.97	70.92	66.26	60.73
23	73.97	68.93	64.37	58.91
23.5	71.97	66.95	62.48	57.09
24	69.97	64.96	60.59	55.27
24.5	67.97	62.98	58.70	53.45
25	65.96	61.00	56.81	51.63
25.5	63.96	59.01	54.92	49.81
26	61.96	57.03	53.03	47.99
26.5	59.96	55.04	51.14	46.17
27	57.96	53.06	49.25	44.35
27.5	55.96	51.07	47.36	42.53
28	53.96	49.09	45.48	40.71
28.5	51.95	47.10	43.59	38.89
29	49.95	45.12	41.70	37.06
29.5	47.95	43.14	39.81	35.24
30	45.95	41.15	37.92	33.42
30.5	45.21	40.25	37.00	32.52
31	44.47	39.36	36.09	31.62
31.5	43.74	38.46	35.17	30.72
32	43.00	37.56	34.26	29.82
32.5	42.26	36.66	33.34	28.92
33	41.52	35.76	32.43	28.02
33.5	40.79	34.87	31.51	27.12
34	40.05	33.97	30.60	26.21
34.5	39.31	33.07	29.68	25.31
35	38.57	32.17	28.77	24.41
35.5	37.84	31.27	27.85	23.51
36	37.10	30.38	26.94	22.61
36.5	36.36	29.48	26.02	21.71
37	35.62	28.58	25.11	20.81
37.5	34.89	27.68	24.19	19.91
38	34.15	26.78	23.28	19.01
38.5	33.41	25.89	22.36	18.10
39	32.67	24.99	21.45	17.20
39.5	31.93	24.09	20.53	16.30
40	31.20	23.19	19.62	15.40
40.5	30.34	22.64	19.09	14.98
41	29.48	22.08	18.56	14.55
41.5	28.62	21.53	18.03	14.13
42	27.77	20.97	17.50	13.70
42.5	26.91	20.42	16.97	13.28
43	26.05	19.86	16.44	12.86
43.5	25.19	19.30	15.91	12.43
44	24.33	18.75	15.38	12.01
44.5	23.48	18.19	14.85	11.59
45	22.62	17.64	14.32	11.16
45.5	21.76	17.08	13.79	10.74
46	20.90	16.53	13.26	10.31
46.5	20.04	15.97	12.73	9.89
47	19.19	15.42	12.20	9.47
47.5	18.33	14.86	11.67	9.04
48	17.47	14.30	11.14	8.62
48.5	16.61	13.75	10.61	8.19
49	15.75	13.19	10.08	7.77
49.5	14.90	12.64	9.55	7.35
50	14.04	12.08	9.02	6.92
50.5	13.85	11.88	8.83	6.82
51	13.66	11.68	8.64	6.72
51.5	13.47	11.48	8.45	6.62
52	13.28	11.28	8.26	6.53
52.5	13.09	11.08	8.06	6.43
53	12.91	10.87	7.87	6.33
53.5	12.72	10.67	7.68	6.23
54	12.53	10.47	7.49	6.13
54.5	12.34	10.27	7.29	6.03
55	12.15	10.07	7.10	5.93
55.5	11.96	9.87	6.91	5.83
56	11.77	9.67	6.72	5.73
56.5	11.58	9.47	6.53	5.64
57	11.40	9.26	6.33	5.54
57.5	11.21	9.06	6.14	5.44
58	11.02	8.86	5.95	5.34
58.5	10.83	8.66	5.76	5.24
59	10.64	8.46	5.57	5.14
59.5	10.45	8.26	5.37	5.04
60	10.26	8.06	5.18	4.94
60.5	10.06	7.85	5.09	4.82
61	9.87	7.65	4.99	4.69
61.5	9.67	7.45	4.90	4.57
62	9.47	7.24	4.80	4.44
62.5	9.27	7.04	4.71	4.32
63	9.07	6.84	4.62	4.19
63.5	8.87	6.63	4.52	4.06
64	8.67	6.43	4.43	3.94
64.5	8.47	6.23	4.33	3.81
65	8.27	6.02	4.24	3.69
65.5	8.07	5.82	4.14	3.56
66	7.87	5.62	4.05	3.44
66.5	7.67	5.41	3.96	3.31
67	7.48	5.21	3.86	3.19
67.5	7.28	5.01	3.77	3.06
68	7.08	4.80	3.67	2.94
68.5	6.88	4.60	3.58	2.81
69	6.68	4.40	3.48	2.69
69.5	6.48	4.19	3.39	2.56
70	6.28	3.99	3.30	2.43
70.5	6.13	3.97	3.21	2.40
71	5.97	3.95	3.13	2.37
71.5	5.82	3.94	3.04	2.34
72	5.66	3.92	2.96	2.30
73	5.35	3.89	2.79	2.24
73.5	5.20	3.87	2.71	2.21
74	5.04	3.85	2.62	2.17
74.5	4.89	3.84	2.54	2.14
75	4.73	3.82	2.46	2.11
75.5	4.58	3.80	2.37	2.08
76	4.42	3.78	2.29	2.04
76.5	4.27	3.77	2.20	2.01
77	4.11	3.75	2.12	1.98
78	3.80	3.72	1.95	1.91
78.5	3.65	3.70	1.87	1.88
79	3.49	3.68	1.78	1.85
79.5	3.34	3.67	1.70	1.82
80	3.18	3.65	1.62	1.78
80.5	3.23	3.56	1.61	1.77
81	3.27	3.47	1.61	1.75
81.5	3.31	3.38	1.61	1.74
82	3.36	3.29	1.61	1.72
82.5	3.40	3.20	1.61	1.70
83	3.44	3.11	1.61	1.69
83.5	3.49	3.03	1.61	1.67
84	3.53	2.94	1.61	1.65
84.5	3.57	2.85	1.60	1.64
85	3.62	2.76	1.60	1.62
85.5	3.66	2.67	1.60	1.61
86	3.70	2.58	1.60	1.59
86.5	3.74	2.49	1.60	1.57
87	3.79	2.40	1.60	1.56
87.5	3.83	2.31	1.60	1.54
88	3.87	2.23	1.60	1.52
88.5	3.92	2.14	1.59	1.51
89	3.96	2.05	1.59	1.49
89.5	4.00	1.96	1.59	1.47
90	4.05	1.87	1.59	1.46
90.5	3.80	1.84	1.57	1.41
91	3.55	1.80	1.55	1.37
91.5	3.30	1.77	1.53	1.33
92	3.05	1.73	1.51	1.28
93	2.55	1.66	1.47	1.20
93.5	2.30	1.63	1.45	1.15
94	2.05	1.59	1.43	1.11
94.5	1.80	1.56	1.41	1.06
95	1.55	1.52	1.39	1.02
95.5	1.30	1.49	1.37	0.98
96	1.06	1.46	1.35	0.93
96.5	0.81	1.42	1.33	0.89
97	0.56	1.39	1.31	0.85
97.5	0.31	1.35	1.29	0.80
98	0.06	1.32	1.27	0.76
98.5	0.00	1.28	1.25	0.71
99	0.00	1.25	1.23	0.67
99.5	0.00	1.21	1.21	0.63
100	0.00	1.18	1.19	0.58

Return to figure

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	65.86	66.52	67.08	84.67
0.5	64.08	65.02	65.47	82.04
1	62.30	63.52	63.85	79.41
1.5	60.52	62.02	62.24	76.78
2	58.74	60.52	60.63	74.15
2.5	56.96	59.02	59.02	71.52
3	55.18	57.52	57.40	68.89
3.5	53.40	56.02	55.79	66.25
4	51.62	54.52	54.18	63.62
4.5	49.84	53.02	52.56	60.99
5	48.06	51.52	50.95	58.36
5.5	46.28	50.02	49.34	55.73
6	44.50	48.52	47.73	53.10
6.5	42.72	47.02	46.11	50.47
7	40.94	45.52	44.50	47.84
7.5	39.16	44.02	42.89	45.21
8	37.38	42.52	41.27	42.58
8.5	35.60	41.02	39.66	39.95
9	33.82	39.52	38.05	37.32
9.5	32.04	38.02	36.44	34.69
10	30.26	36.52	34.82	32.06
10.5	29.51	36.12	34.13	30.88
11	28.77	35.72	33.43	29.71
11.5	28.03	35.32	32.74	28.53
12	27.29	34.93	32.04	27.36
12.5	26.55	34.53	31.35	26.18
13	25.81	34.13	30.65	25.01
13.5	25.07	33.73	29.95	23.83
14	24.32	33.33	29.26	22.66
14.5	23.58	32.94	28.56	21.48
15	22.84	32.54	27.87	20.31
15.5	22.10	32.14	27.17	19.13
16	21.36	31.74	26.48	17.96
16.5	20.62	31.34	25.78	16.78
17	19.87	30.94	25.09	15.61
17.5	19.13	30.55	24.39	14.43
18	18.39	30.15	23.70	13.26
18.5	17.65	29.75	23.00	12.09
19	16.91	29.35	22.31	10.91
19.5	16.17	28.95	21.61	9.74
20	15.43	28.55	20.92	8.56
20.5	15.02	27.79	20.28	8.67
21	14.61	27.02	19.65	8.78
21.5	14.20	26.26	19.01	8.89
22	13.79	25.49	18.38	9.01
22.5	13.39	24.73	17.74	9.12
23	12.98	23.96	17.11	9.23
23.5	12.57	23.20	16.48	9.34
24	12.16	22.43	15.84	9.45
24.5	11.75	21.67	15.21	9.56
25	11.35	20.91	14.57	9.67
25.5	10.94	20.14	13.94	9.78
26	10.53	19.38	13.31	9.89
26.5	10.12	18.61	12.67	10.01
27	9.71	17.85	12.04	10.12
27.5	9.31	17.08	11.40	10.23
28	8.90	16.32	10.77	10.34
28.5	8.49	15.55	10.13	10.45
29	8.08	14.79	9.50	10.56
29.5	7.67	14.02	8.87	10.67
30	7.27	13.26	8.23	10.78
30.5	7.08	12.90	8.04	10.42
31	6.89	12.54	7.85	10.07
31.5	6.70	12.18	7.66	9.71
32	6.52	11.82	7.47	9.35
32.5	6.33	11.46	7.28	8.99
33	6.14	11.10	7.09	8.63
33.5	5.95	10.74	6.90	8.27
34	5.77	10.39	6.72	7.91
34.5	5.58	10.03	6.53	7.55
35	5.39	9.67	6.34	7.19
35.5	5.21	9.31	6.15	6.83
36	5.02	8.95	5.96	6.47
36.5	4.83	8.59	5.77	6.11
37	4.64	8.23	5.58	5.75
37.5	4.46	7.87	5.39	5.39
38	4.27	7.52	5.20	5.03
38.5	4.08	7.16	5.01	4.67
39	3.89	6.80	4.82	4.32
39.5	3.71	6.44	4.63	3.96
40	3.52	6.08	4.44	3.60
40.5	3.42	5.96	4.42	3.50
41	3.32	5.83	4.40	3.40
41.5	3.23	5.71	4.38	3.30
42	3.13	5.58	4.36	3.20
42.5	3.03	5.46	4.33	3.10
43	2.93	5.34	4.31	3.00
43.5	2.84	5.21	4.29	2.90
44	2.74	5.09	4.27	2.80
44.5	2.64	4.96	4.25	2.70
45	2.54	4.84	4.23	2.60
45.5	2.45	4.71	4.21	2.50
46	2.35	4.59	4.19	2.40
46.5	2.25	4.47	4.16	2.30
47	2.15	4.34	4.14	2.20
47.5	2.06	4.22	4.12	2.10
48	1.96	4.09	4.10	2.00
48.5	1.86	3.97	4.08	1.90
49	1.76	3.85	4.06	1.80
49.5	1.67	3.72	4.04	1.70
50	1.57	3.60	4.01	1.60
50.5	1.53	3.62	3.90	1.60
51	1.49	3.64	3.79	1.59
51.5	1.45	3.66	3.67	1.58
52	1.41	3.68	3.56	1.57
52.5	1.37	3.70	3.45	1.56
53	1.33	3.72	3.33	1.55
53.5	1.28	3.74	3.22	1.54
54	1.24	3.76	3.11	1.54
54.5	1.20	3.79	2.99	1.53
55	1.16	3.81	2.88	1.52
55.5	1.12	3.83	2.77	1.51
56	1.08	3.85	2.65	1.50
56.5	1.04	3.87	2.54	1.49
57	1.00	3.89	2.43	1.48
57.5	0.96	3.91	2.31	1.47
58	0.92	3.93	2.20	1.47
58.5	0.88	3.95	2.09	1.46
59	0.84	3.97	1.97	1.45
59.5	0.80	3.99	1.86	1.44
60	0.76	4.02	1.75	1.43
60.5	0.75	3.84	1.75	1.36
61	0.74	3.66	1.76	1.30
61.5	0.73	3.48	1.77	1.23
62	0.73	3.30	1.77	1.16
62.5	0.72	3.12	1.78	1.09
63	0.71	2.94	1.79	1.02
63.5	0.70	2.76	1.79	0.96
64	0.70	2.58	1.80	0.89
64.5	0.69	2.40	1.81	0.82
65	0.68	2.22	1.81	0.75
65.5	0.68	2.04	1.82	0.68
66	0.67	1.86	1.83	0.62
66.5	0.66	1.68	1.84	0.55
67	0.65	1.50	1.84	0.48
67.5	0.65	1.32	1.85	0.41
68	0.64	1.14	1.86	0.34
68.5	0.63	0.96	1.86	0.28
69	0.62	0.78	1.87	0.21
69.5	0.62	0.60	1.88	0.14
70	0.61	0.42	1.88	0.07
70.5	0.60	0.44	1.83	0.08
71	0.58	0.47	1.78	0.09
71.5	0.57	0.50	1.73	0.11
72	0.56	0.53	1.67	0.12
73	0.54	0.59	1.57	0.14
73.5	0.52	0.61	1.52	0.15
74	0.51	0.64	1.46	0.16
74.5	0.50	0.67	1.41	0.17
75	0.49	0.70	1.36	0.18
75.5	0.48	0.73	1.31	0.20
76	0.46	0.75	1.25	0.21
76.5	0.45	0.78	1.20	0.22
77	0.44	0.81	1.15	0.23
78	0.42	0.87	1.04	0.25
78.5	0.41	0.89	0.99	0.26
79	0.39	0.92	0.94	0.27
79.5	0.38	0.95	0.89	0.28
80	0.37	0.98	0.83	0.30
80.5	0.36	0.96	0.78	0.29
81	0.35	0.93	0.73	0.28
81.5	0.34	0.91	0.68	0.27
82	0.34	0.89	0.63	0.27
82.5	0.33	0.87	0.58	0.26
83	0.32	0.84	0.53	0.25
83.5	0.31	0.82	0.48	0.24
84	0.30	0.80	0.43	0.24
84.5	0.30	0.78	0.38	0.23
85	0.29	0.76	0.33	0.22
85.5	0.28	0.73	0.28	0.21
86	0.27	0.71	0.23	0.21
86.5	0.26	0.69	0.18	0.20
87	0.25	0.67	0.13	0.19
87.5	0.25	0.64	0.08	0.18
88	0.24	0.62	0.03	0.18
88.5	0.23	0.60	0.00	0.17
89	0.22	0.58	0.00	0.16
89.5	0.21	0.56	0.00	0.15
90	0.21	0.53	0.00	0.15
90.5	0.21	0.62	0.00	0.19
91	0.21	0.70	0.00	0.24
91.5	0.22	0.78	0.00	0.28
92	0.22	0.86	0.00	0.33
93	0.23	1.02	0.00	0.42
93.5	0.24	1.11	0.00	0.46
94	0.24	1.19	0.00	0.51
94.5	0.25	1.27	0.02	0.55
95	0.25	1.35	0.04	0.59
95.5	0.26	1.43	0.06	0.64
96	0.26	1.52	0.08	0.68
96.5	0.27	1.60	0.10	0.73
97	0.27	1.68	0.12	0.77
97.5	0.27	1.76	0.14	0.82
98	0.28	1.84	0.16	0.86
98.5	0.28	1.93	0.18	0.91
99	0.29	2.01	0.21	0.95
99.5	0.29	2.09	0.23	1.00
100	0.30	2.17	0.25	1.04

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	65.75	70.49	68.72	73.47
0.5	64.00	68.80	67.01	71.48
1	62.25	67.11	65.31	69.49
1.5	60.50	65.42	63.61	67.50
2	58.75	63.73	61.91	65.52
2.5	57.00	62.04	60.20	63.53
3	55.25	60.35	58.50	61.54
3.5	53.50	58.66	56.80	59.55
4	51.75	56.98	55.09	57.56
4.5	50.00	55.29	53.39	55.57
5	48.25	53.60	51.69	53.59
5.5	46.50	51.91	49.98	51.60
6	44.75	50.22	48.28	49.61
6.5	43.00	48.53	46.58	47.62
7	41.25	46.84	44.87	45.63
7.5	39.50	45.15	43.17	43.65
8	37.74	43.46	41.47	41.66
8.5	35.99	41.77	39.76	39.67
9	34.24	40.08	38.06	37.68
9.5	32.49	38.39	36.36	35.69
10	30.74	36.70	34.65	33.71
10.5	30.09	36.14	34.03	32.90
11	29.45	35.58	33.42	32.10
11.5	28.80	35.02	32.80	31.29
12	28.15	34.46	32.18	30.48
12.5	27.50	33.90	31.56	29.68
13	26.85	33.34	30.94	28.87
13.5	26.20	32.78	30.32	28.07
14	25.55	32.22	29.70	27.26
14.5	24.90	31.66	29.08	26.46
15	24.25	31.10	28.46	25.65
15.5	23.60	30.54	27.84	24.85
16	22.95	29.97	27.22	24.04
16.5	22.30	29.41	26.61	23.24
17	21.66	28.85	25.99	22.43
17.5	21.01	28.29	25.37	21.63
18	20.36	27.73	24.75	20.82
18.5	19.71	27.17	24.13	20.01
19	19.06	26.61	23.51	19.21
19.5	18.41	26.05	22.89	18.40
20	17.76	25.49	22.27	17.60
20.5	17.24	24.82	21.56	17.11
21	16.73	24.16	20.85	16.63
21.5	16.21	23.49	20.14	16.14
22	15.69	22.83	19.43	15.65
22.5	15.17	22.16	18.72	15.17
23	14.66	21.49	18.01	14.68
23.5	14.14	20.83	17.30	14.20
24	13.62	20.16	16.59	13.71
24.5	13.10	19.50	15.88	13.22
25	12.59	18.83	15.17	12.74
25.5	12.07	18.17	14.46	12.25
26	11.55	17.50	13.75	11.77
26.5	11.03	16.83	13.04	11.28
27	10.52	16.17	12.33	10.79
27.5	10.00	15.50	11.62	10.31
28	9.48	14.84	10.91	9.82
28.5	8.96	14.17	10.20	9.34
29	8.45	13.51	9.49	8.85
29.5	7.93	12.84	8.77	8.36
30	7.41	12.17	8.06	7.88
30.5	7.23	11.82	7.92	7.75
31	7.04	11.47	7.77	7.62
31.5	6.86	11.12	7.63	7.48
32	6.68	10.77	7.48	7.35
32.5	6.49	10.42	7.34	7.22
33	6.31	10.07	7.19	7.09
33.5	6.13	9.72	7.04	6.96
34	5.94	9.37	6.90	6.83
34.5	5.76	9.01	6.75	6.70
35	5.58	8.66	6.61	6.57
35.5	5.39	8.31	6.46	6.43
36	5.21	7.96	6.31	6.30
36.5	5.03	7.61	6.17	6.17
37	4.84	7.26	6.02	6.04
37.5	4.66	6.91	5.88	5.91
38	4.48	6.56	5.73	5.78
38.5	4.29	6.21	5.59	5.65
39	4.11	5.85	5.44	5.52
39.5	3.93	5.50	5.29	5.38
40	3.74	5.15	5.15	5.25
40.5	3.64	5.07	5.02	5.05
41	3.55	4.98	4.89	4.85
41.5	3.45	4.90	4.76	4.65
42	3.35	4.82	4.63	4.45
42.5	3.25	4.73	4.50	4.25
43	3.15	4.65	4.37	4.05
43.5	3.05	4.56	4.23	3.85
44	2.95	4.48	4.10	3.64
44.5	2.85	4.39	3.97	3.44
45	2.75	4.31	3.84	3.24
45.5	2.65	4.22	3.71	3.04
46	2.55	4.14	3.58	2.84
46.5	2.45	4.06	3.45	2.64
47	2.35	3.97	3.32	2.44
47.5	2.25	3.89	3.19	2.24
48	2.15	3.80	3.06	2.04
48.5	2.05	3.72	2.93	1.84
49	1.95	3.63	2.80	1.63
49.5	1.85	3.55	2.67	1.43
50	1.75	3.47	2.54	1.23
50.5	1.71	3.39	2.51	1.23
51	1.68	3.31	2.47	1.22
51.5	1.64	3.23	2.44	1.21
52	1.60	3.15	2.40	1.20
52.5	1.57	3.08	2.37	1.20
53	1.53	3.00	2.34	1.19
53.5	1.49	2.92	2.30	1.18
54	1.46	2.84	2.27	1.17
54.5	1.42	2.76	2.23	1.17
55	1.38	2.69	2.20	1.16
55.5	1.35	2.61	2.17	1.15
56	1.31	2.53	2.13	1.15
56.5	1.27	2.45	2.10	1.14
57	1.24	2.37	2.06	1.13
57.5	1.20	2.30	2.03	1.12
58	1.16	2.22	2.00	1.12
58.5	1.13	2.14	1.96	1.11
59	1.09	2.06	1.93	1.10
59.5	1.05	1.98	1.89	1.10
60	1.02	1.90	1.86	1.09
60.5	0.99	1.89	1.82	1.06
61	0.97	1.88	1.78	1.03
61.5	0.94	1.87	1.74	1.00
62	0.92	1.86	1.70	0.97
62.5	0.90	1.85	1.66	0.94
63	0.87	1.84	1.62	0.91
63.5	0.85	1.83	1.59	0.89
64	0.82	1.82	1.55	0.86
64.5	0.80	1.81	1.51	0.83
65	0.77	1.80	1.47	0.80
65.5	0.75	1.79	1.43	0.77
66	0.72	1.78	1.39	0.74
66.5	0.70	1.77	1.35	0.71
67	0.68	1.76	1.31	0.68
67.5	0.65	1.75	1.27	0.65
68	0.63	1.74	1.23	0.62
68.5	0.60	1.73	1.19	0.59
69	0.58	1.72	1.15	0.57
69.5	0.55	1.71	1.11	0.54
70	0.53	1.70	1.07	0.51
70.5	0.52	1.62	1.05	0.50
71	0.52	1.54	1.02	0.50
71.5	0.51	1.46	0.99	0.49
72	0.50	1.38	0.96	0.49
73	0.49	1.22	0.90	0.47
73.5	0.48	1.14	0.87	0.47
74	0.48	1.06	0.85	0.46
74.5	0.47	0.97	0.82	0.46
75	0.46	0.89	0.79	0.45
75.5	0.46	0.81	0.76	0.45
76	0.45	0.73	0.73	0.44
76.5	0.44	0.65	0.70	0.44
77	0.44	0.57	0.67	0.43
78	0.42	0.41	0.62	0.42
78.5	0.42	0.33	0.59	0.41
79	0.41	0.25	0.56	0.41
79.5	0.40	0.17	0.53	0.40
80	0.40	0.08	0.50	0.40
80.5	0.39	0.12	0.48	0.38
81	0.38	0.15	0.46	0.37
81.5	0.37	0.18	0.44	0.35
82	0.35	0.21	0.42	0.33
82.5	0.34	0.24	0.41	0.32
83	0.33	0.27	0.39	0.30
83.5	0.32	0.31	0.37	0.29
84	0.31	0.34	0.35	0.27
84.5	0.30	0.37	0.33	0.26
85	0.29	0.40	0.31	0.24
85.5	0.28	0.43	0.29	0.22
86	0.27	0.46	0.27	0.21
86.5	0.26	0.50	0.25	0.19
87	0.25	0.53	0.23	0.18
87.5	0.23	0.56	0.21	0.16
88	0.22	0.59	0.19	0.14
88.5	0.21	0.62	0.17	0.13
89	0.20	0.65	0.15	0.11
89.5	0.19	0.69	0.13	0.10
90	0.18	0.72	0.11	0.08
90.5	0.19	0.72	0.13	0.09
91	0.19	0.72	0.14	0.10
91.5	0.20	0.72	0.16	0.11
92	0.21	0.72	0.17	0.12
93	0.22	0.71	0.20	0.14
93.5	0.23	0.71	0.22	0.15
94	0.24	0.71	0.23	0.16
94.5	0.25	0.71	0.25	0.17
95	0.25	0.71	0.26	0.18
95.5	0.26	0.71	0.28	0.19
96	0.27	0.71	0.29	0.20
96.5	0.28	0.71	0.31	0.21
97	0.28	0.71	0.32	0.22
97.5	0.29	0.71	0.34	0.23
98	0.30	0.71	0.35	0.24
98.5	0.31	0.71	0.37	0.25
99	0.31	0.71	0.38	0.26
99.5	0.32	0.71	0.40	0.27
100	0.33	0.71	0.41	0.28

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Sex
Percent bad

Score	Male	Female
0	68.57	65.45
0.5	66.67	63.89
1	64.78	62.32
1.5	62.88	60.75
2	60.98	59.18
2.5	59.09	57.62
3	57.19	56.05
3.5	55.29	54.48
4	53.40	52.91
4.5	51.50	51.35
5	49.60	49.78
5.5	47.71	48.21
6	45.81	46.64
6.5	43.91	45.08
7	42.01	43.51
7.5	40.12	41.94
8	38.22	40.37
8.5	36.32	38.81
9	34.43	37.24
9.5	32.53	35.67
10	30.63	34.10
10.5	30.05	33.33
11	29.46	32.56
11.5	28.87	31.79
12	28.28	31.02
12.5	27.70	30.25
13	27.11	29.48
13.5	26.52	28.71
14	25.93	27.94
14.5	25.35	27.17
15	24.76	26.40
15.5	24.17	25.63
16	23.58	24.86
16.5	23.00	24.09
17	22.41	23.32
17.5	21.82	22.55
18	21.23	21.78
18.5	20.65	21.01
19	20.06	20.24
19.5	19.47	19.47
20	18.88	18.70
20.5	18.36	18.16
21	17.83	17.62
21.5	17.30	17.08
22	16.78	16.54
22.5	16.25	16.00
23	15.72	15.46
23.5	15.20	14.91
24	14.67	14.37
24.5	14.14	13.83
25	13.62	13.29
25.5	13.09	12.75
26	12.56	12.21
26.5	12.04	11.67
27	11.51	11.13
27.5	10.98	10.59
28	10.46	10.05
28.5	9.93	9.50
29	9.40	8.96
29.5	8.88	8.42
30	8.35	7.88
30.5	8.14	7.67
31	7.94	7.45
31.5	7.73	7.24
32	7.53	7.02
32.5	7.32	6.81
33	7.12	6.60
33.5	6.91	6.38
34	6.71	6.17
34.5	6.50	5.95
35	6.30	5.74
35.5	6.09	5.52
36	5.89	5.31
36.5	5.68	5.10
37	5.48	4.88
37.5	5.27	4.67
38	5.07	4.45
38.5	4.86	4.24
39	4.66	4.02
39.5	4.45	3.81
40	4.25	3.59
40.5	4.13	3.51
41	4.01	3.42
41.5	3.89	3.33
42	3.78	3.24
42.5	3.66	3.15
43	3.54	3.06
43.5	3.42	2.97
44	3.30	2.88
44.5	3.18	2.80
45	3.07	2.71
45.5	2.95	2.62
46	2.83	2.53
46.5	2.71	2.44
47	2.59	2.35
47.5	2.47	2.26
48	2.36	2.17
48.5	2.24	2.09
49	2.12	2.00
49.5	2.00	1.91
50	1.88	1.82
50.5	1.84	1.77
51	1.80	1.73
51.5	1.76	1.68
52	1.73	1.64
52.5	1.69	1.59
53	1.65	1.54
53.5	1.61	1.50
54	1.57	1.45
54.5	1.53	1.41
55	1.49	1.36
55.5	1.45	1.31
56	1.41	1.27
56.5	1.37	1.22
57	1.33	1.18
57.5	1.29	1.13
58	1.25	1.08
58.5	1.21	1.04
59	1.17	0.99
59.5	1.14	0.95
60	1.10	0.90
60.5	1.08	0.88
61	1.06	0.86
61.5	1.05	0.84
62	1.03	0.81
62.5	1.01	0.79
63	1.00	0.77
63.5	0.98	0.75
64	0.96	0.73
64.5	0.94	0.71
65	0.93	0.68
65.5	0.91	0.66
66	0.89	0.64
66.5	0.88	0.62
67	0.86	0.60
67.5	0.84	0.57
68	0.83	0.55
68.5	0.81	0.53
69	0.79	0.51
69.5	0.78	0.49
70	0.76	0.47
70.5	0.74	0.46
71	0.73	0.45
71.5	0.71	0.45
72	0.69	0.44
73	0.66	0.43
73.5	0.64	0.42
74	0.63	0.42
74.5	0.61	0.41
75	0.59	0.41
75.5	0.58	0.40
76	0.56	0.39
76.5	0.54	0.39
77	0.53	0.38
78	0.49	0.37
78.5	0.48	0.36
79	0.46	0.36
79.5	0.44	0.35
80	0.43	0.35
80.5	0.41	0.34
81	0.40	0.33
81.5	0.39	0.32
82	0.38	0.32
82.5	0.37	0.31
83	0.36	0.30
83.5	0.35	0.29
84	0.34	0.29
84.5	0.33	0.28
85	0.32	0.27
85.5	0.31	0.26
86	0.30	0.26
86.5	0.29	0.25
87	0.28	0.24
87.5	0.27	0.23
88	0.26	0.23
88.5	0.25	0.22
89	0.23	0.21
89.5	0.22	0.20
90	0.21	0.20
90.5	0.22	0.20
91	0.22	0.21
91.5	0.23	0.21
92	0.23	0.22
93	0.25	0.23
93.5	0.25	0.24
94	0.26	0.24
94.5	0.26	0.25
95	0.27	0.25
95.5	0.27	0.26
96	0.28	0.26
96.5	0.28	0.27
97	0.29	0.27
97.5	0.29	0.28
98	0.30	0.28
98.5	0.30	0.29
99	0.31	0.29
99.5	0.31	0.30
100	0.32	0.31

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	68.64	64.52	64.30	69.25	71.25
0.5	66.95	62.94	62.78	67.16	69.35
1	65.26	61.37	61.27	65.08	67.44
1.5	63.57	59.79	59.75	62.99	65.54
2	61.88	58.22	58.24	60.91	63.63
2.5	60.19	56.65	56.72	58.82	61.73
3	58.50	55.07	55.21	56.74	59.82
3.5	56.82	53.50	53.69	54.65	57.92
4	55.13	51.92	52.18	52.57	56.01
4.5	53.44	50.35	50.66	50.48	54.11
5	51.75	48.78	49.15	48.39	52.20
5.5	50.06	47.20	47.63	46.31	50.30
6	48.37	45.63	46.12	44.22	48.39
6.5	46.68	44.05	44.60	42.14	46.49
7	44.99	42.48	43.09	40.05	44.58
7.5	43.30	40.91	41.57	37.97	42.68
8	41.61	39.33	40.06	35.88	40.77
8.5	39.92	37.76	38.54	33.80	38.87
9	38.23	36.19	37.03	31.71	36.96
9.5	36.54	34.61	35.51	29.63	35.06
10	34.85	33.04	34.00	27.54	33.15
10.5	34.63	32.26	33.00	26.86	32.19
11	34.41	31.48	32.00	26.18	31.23
11.5	34.19	30.70	31.01	25.49	30.27
12	33.97	29.93	30.01	24.81	29.31
12.5	33.75	29.15	29.01	24.12	28.35
13	33.53	28.37	28.02	23.44	27.39
13.5	33.30	27.60	27.02	22.76	26.43
14	33.08	26.82	26.02	22.07	25.47
14.5	32.86	26.04	25.03	21.39	24.51
15	32.64	25.26	24.03	20.71	23.55
15.5	32.42	24.49	23.03	20.02	22.59
16	32.20	23.71	22.03	19.34	21.63
16.5	31.97	22.93	21.04	18.66	20.68
17	31.75	22.15	20.04	17.97	19.72
17.5	31.53	21.38	19.04	17.29	18.76
18	31.31	20.60	18.05	16.61	17.80
18.5	31.09	19.82	17.05	15.92	16.84
19	30.87	19.04	16.05	15.24	15.88
19.5	30.65	18.27	15.06	14.56	14.92
20	30.42	17.49	14.06	13.87	13.96
20.5	29.46	16.98	13.73	13.49	13.64
21	28.49	16.48	13.40	13.11	13.32
21.5	27.52	15.98	13.07	12.73	13.00
22	26.55	15.47	12.73	12.34	12.68
22.5	25.58	14.97	12.40	11.96	12.36
23	24.61	14.46	12.07	11.58	12.04
23.5	23.64	13.96	11.74	11.20	11.72
24	22.67	13.46	11.41	10.81	11.40
24.5	21.70	12.95	11.08	10.43	11.08
25	20.73	12.45	10.75	10.05	10.76
25.5	19.77	11.94	10.42	9.67	10.44
26	18.80	11.44	10.08	9.28	10.12
26.5	17.83	10.94	9.75	8.90	9.80
27	16.86	10.43	9.42	8.52	9.48
27.5	15.89	9.93	9.09	8.14	9.16
28	14.92	9.42	8.76	7.75	8.84
28.5	13.95	8.92	8.43	7.37	8.52
29	12.98	8.42	8.10	6.99	8.20
29.5	12.01	7.91	7.77	6.61	7.88
30	11.04	7.41	7.43	6.22	7.56
30.5	10.78	7.26	7.21	6.03	7.42
31	10.52	7.10	6.98	5.84	7.27
31.5	10.26	6.95	6.76	5.65	7.13
32	10.00	6.80	6.53	5.46	6.98
32.5	9.74	6.65	6.31	5.27	6.84
33	9.48	6.50	6.08	5.07	6.69
33.5	9.22	6.34	5.86	4.88	6.55
34	8.96	6.19	5.63	4.69	6.40
34.5	8.70	6.04	5.41	4.50	6.26
35	8.44	5.89	5.18	4.31	6.11
35.5	8.18	5.73	4.96	4.11	5.97
36	7.92	5.58	4.73	3.92	5.83
36.5	7.66	5.43	4.51	3.73	5.68
37	7.40	5.28	4.28	3.54	5.54
37.5	7.14	5.12	4.06	3.35	5.39
38	6.88	4.97	3.83	3.15	5.25
38.5	6.62	4.82	3.61	2.96	5.10
39	6.36	4.67	3.38	2.77	4.96
39.5	6.10	4.52	3.16	2.58	4.81
40	5.84	4.36	2.93	2.39	4.67
40.5	5.73	4.20	2.86	2.31	4.53
41	5.61	4.04	2.80	2.23	4.40
41.5	5.50	3.88	2.73	2.15	4.26
42	5.38	3.72	2.67	2.08	4.13
42.5	5.27	3.56	2.60	2.00	4.00
43	5.15	3.40	2.54	1.92	3.86
43.5	5.03	3.24	2.47	1.84	3.73
44	4.92	3.08	2.40	1.77	3.59
44.5	4.80	2.92	2.34	1.69	3.46
45	4.69	2.76	2.27	1.61	3.32
45.5	4.57	2.60	2.21	1.53	3.19
46	4.45	2.44	2.14	1.46	3.06
46.5	4.34	2.28	2.08	1.38	2.92
47	4.22	2.12	2.01	1.30	2.79
47.5	4.11	1.96	1.94	1.22	2.65
48	3.99	1.80	1.88	1.14	2.52
48.5	3.88	1.64	1.81	1.07	2.38
49	3.76	1.48	1.75	0.99	2.25
49.5	3.64	1.31	1.68	0.91	2.11
50	3.53	1.15	1.62	0.83	1.98
50.5	3.46	1.13	1.59	0.82	1.92
51	3.38	1.11	1.55	0.80	1.86
51.5	3.31	1.09	1.52	0.78	1.80
52	3.24	1.06	1.49	0.76	1.74
52.5	3.16	1.04	1.46	0.74	1.68
53	3.09	1.02	1.43	0.72	1.62
53.5	3.02	1.00	1.40	0.70	1.56
54	2.95	0.97	1.37	0.68	1.50
54.5	2.87	0.95	1.34	0.66	1.44
55	2.80	0.93	1.31	0.64	1.38
55.5	2.73	0.91	1.28	0.62	1.32
56	2.66	0.88	1.25	0.60	1.26
56.5	2.58	0.86	1.22	0.59	1.19
57	2.51	0.84	1.19	0.57	1.13
57.5	2.44	0.82	1.16	0.55	1.07
58	2.36	0.79	1.13	0.53	1.01
58.5	2.29	0.77	1.10	0.51	0.95
59	2.22	0.75	1.07	0.49	0.89
59.5	2.15	0.72	1.04	0.47	0.83
60	2.07	0.70	1.00	0.45	0.77
60.5	2.05	0.69	0.96	0.46	0.79
61	2.02	0.68	0.92	0.47	0.81
61.5	2.00	0.67	0.88	0.47	0.83
62	1.97	0.66	0.83	0.48	0.86
62.5	1.94	0.65	0.79	0.49	0.88
63	1.92	0.64	0.75	0.50	0.90
63.5	1.89	0.62	0.70	0.51	0.92
64	1.87	0.61	0.66	0.51	0.94
64.5	1.84	0.60	0.62	0.52	0.96
65	1.81	0.59	0.58	0.53	0.98
65.5	1.79	0.58	0.53	0.54	1.00
66	1.76	0.57	0.49	0.54	1.02
66.5	1.74	0.56	0.45	0.55	1.04
67	1.71	0.55	0.40	0.56	1.06
67.5	1.68	0.54	0.36	0.57	1.08
68	1.66	0.53	0.32	0.58	1.11
68.5	1.63	0.51	0.28	0.58	1.13
69	1.61	0.50	0.23	0.59	1.15
69.5	1.58	0.49	0.19	0.60	1.17
70	1.55	0.48	0.15	0.61	1.19
70.5	1.43	0.48	0.16	0.59	1.16
71	1.31	0.48	0.17	0.57	1.13
71.5	1.19	0.48	0.18	0.55	1.10
72	1.06	0.48	0.19	0.53	1.08
73	0.82	0.48	0.22	0.50	1.02
73.5	0.69	0.48	0.23	0.48	0.99
74	0.57	0.47	0.24	0.46	0.96
74.5	0.45	0.47	0.25	0.44	0.93
75	0.33	0.47	0.26	0.43	0.91
75.5	0.20	0.47	0.27	0.41	0.88
76	0.08	0.47	0.28	0.39	0.85
76.5	0.00	0.47	0.29	0.37	0.82
77	0.00	0.47	0.31	0.35	0.79
78	0.00	0.47	0.33	0.32	0.73
78.5	0.00	0.47	0.34	0.30	0.71
79	0.00	0.46	0.35	0.28	0.68
79.5	0.00	0.46	0.36	0.26	0.65
80	0.00	0.46	0.37	0.25	0.62
80.5	0.00	0.44	0.36	0.25	0.60
81	0.00	0.41	0.35	0.26	0.57
81.5	0.19	0.39	0.34	0.26	0.55
82	0.56	0.36	0.32	0.27	0.53
82.5	0.92	0.34	0.31	0.27	0.51
83	1.29	0.32	0.30	0.28	0.48
83.5	1.65	0.29	0.29	0.28	0.46
84	2.02	0.27	0.27	0.29	0.44
84.5	2.38	0.24	0.26	0.29	0.41
85	2.75	0.22	0.25	0.30	0.39
85.5	3.11	0.19	0.24	0.30	0.37
86	3.48	0.17	0.22	0.31	0.34
86.5	3.84	0.14	0.21	0.31	0.32
87	4.21	0.12	0.20	0.32	0.30
87.5	4.57	0.09	0.19	0.32	0.27
88	4.94	0.07	0.18	0.33	0.25
88.5	5.30	0.05	0.16	0.33	0.23
89	5.67	0.02	0.15	0.34	0.20
89.5	6.03	0.00	0.14	0.34	0.18
90	6.40	0.00	0.13	0.35	0.16
90.5	7.98	0.00	0.13	0.33	0.19
91	9.57	0.01	0.14	0.31	0.22
91.5	11.15	0.03	0.15	0.29	0.25
92	12.74	0.05	0.16	0.27	0.28
93	15.91	0.09	0.18	0.23	0.35
93.5	17.50	0.11	0.19	0.21	0.38
94	19.08	0.13	0.20	0.19	0.41
94.5	20.67	0.16	0.21	0.18	0.44
95	22.25	0.18	0.22	0.16	0.47
95.5	23.84	0.20	0.23	0.14	0.50
96	25.43	0.22	0.23	0.12	0.54
96.5	27.01	0.24	0.24	0.10	0.57
97	28.60	0.26	0.25	0.08	0.60
97.5	30.18	0.28	0.26	0.06	0.63
98	31.77	0.30	0.27	0.04	0.66
98.5	33.35	0.32	0.28	0.02	0.69
99	34.94	0.34	0.29	0.01	0.72
99.5	36.53	0.36	0.30	0.00	0.76
100	38.11	0.38	0.31	0.00	0.79

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	64.08	73.25	64.74	67.72
0.5	62.31	71.12	63.07	66.05
1	60.55	68.99	61.40	64.37
1.5	58.78	66.86	59.73	62.70
2	57.02	64.72	58.06	61.03
2.5	55.26	62.59	56.39	59.36
3	53.49	60.46	54.72	57.68
3.5	51.73	58.32	53.05	56.01
4	49.97	56.19	51.38	54.34
4.5	48.20	54.06	49.71	52.67
5	46.44	51.93	48.04	50.99
5.5	44.68	49.79	46.37	49.32
6	42.91	47.66	44.70	47.65
6.5	41.15	45.53	43.04	45.98
7	39.39	43.40	41.37	44.30
7.5	37.62	41.26	39.70	42.63
8	35.86	39.13	38.03	40.96
8.5	34.10	37.00	36.36	39.29
9	32.33	34.86	34.69	37.61
9.5	30.57	32.73	33.02	35.94
10	28.81	30.60	31.35	34.27
10.5	27.97	30.18	30.46	33.54
11	27.13	29.76	29.57	32.81
11.5	26.29	29.34	28.68	32.09
12	25.46	28.92	27.79	31.36
12.5	24.62	28.49	26.91	30.63
13	23.78	28.07	26.02	29.91
13.5	22.95	27.65	25.13	29.18
14	22.11	27.23	24.24	28.45
14.5	21.27	26.81	23.35	27.73
15	20.43	26.39	22.46	27.00
15.5	19.60	25.97	21.57	26.27
16	18.76	25.55	20.69	25.55
16.5	17.92	25.13	19.80	24.82
17	17.09	24.71	18.91	24.09
17.5	16.25	24.28	18.02	23.36
18	15.41	23.86	17.13	22.64
18.5	14.57	23.44	16.24	21.91
19	13.74	23.02	15.36	21.18
19.5	12.90	22.60	14.47	20.46
20	12.06	22.18	13.58	19.73
20.5	11.80	21.59	13.19	19.26
21	11.54	21.00	12.80	18.78
21.5	11.27	20.41	12.41	18.31
22	11.01	19.81	12.03	17.84
22.5	10.75	19.22	11.64	17.36
23	10.49	18.63	11.25	16.89
23.5	10.22	18.04	10.86	16.42
24	9.96	17.45	10.48	15.94
24.5	9.70	16.86	10.09	15.47
25	9.43	16.27	9.70	15.00
25.5	9.17	15.67	9.31	14.52
26	8.91	15.08	8.92	14.05
26.5	8.65	14.49	8.54	13.58
27	8.38	13.90	8.15	13.10
27.5	8.12	13.31	7.76	12.63
28	7.86	12.72	7.37	12.16
28.5	7.60	12.13	6.98	11.68
29	7.33	11.53	6.60	11.21
29.5	7.07	10.94	6.21	10.74
30	6.81	10.35	5.82	10.26
30.5	6.64	10.08	5.67	9.92
31	6.47	9.81	5.51	9.57
31.5	6.30	9.53	5.36	9.23
32	6.13	9.26	5.20	8.88
32.5	5.96	8.99	5.05	8.53
33	5.79	8.72	4.90	8.19
33.5	5.62	8.44	4.74	7.84
34	5.45	8.17	4.59	7.50
34.5	5.28	7.90	4.43	7.15
35	5.11	7.63	4.28	6.80
35.5	4.94	7.35	4.13	6.46
36	4.77	7.08	3.97	6.11
36.5	4.60	6.81	3.82	5.77
37	4.43	6.54	3.66	5.42
37.5	4.26	6.27	3.51	5.07
38	4.09	5.99	3.36	4.73
38.5	3.92	5.72	3.20	4.38
39	3.75	5.45	3.05	4.04
39.5	3.58	5.18	2.89	3.69
40	3.41	4.90	2.74	3.35
40.5	3.30	4.77	2.67	3.32
41	3.19	4.64	2.60	3.30
41.5	3.08	4.51	2.53	3.28
42	2.97	4.39	2.47	3.26
42.5	2.86	4.26	2.40	3.24
43	2.75	4.13	2.33	3.22
43.5	2.64	4.00	2.26	3.20
44	2.53	3.87	2.19	3.17
44.5	2.41	3.74	2.12	3.15
45	2.30	3.61	2.05	3.13
45.5	2.19	3.48	1.99	3.11
46	2.08	3.35	1.92	3.09
46.5	1.97	3.22	1.85	3.07
47	1.86	3.09	1.78	3.05
47.5	1.75	2.96	1.71	3.02
48	1.64	2.83	1.64	3.00
48.5	1.53	2.70	1.58	2.98
49	1.41	2.57	1.51	2.96
49.5	1.30	2.44	1.44	2.94
50	1.19	2.31	1.37	2.92
50.5	1.17	2.25	1.33	2.81
51	1.15	2.19	1.29	2.70
51.5	1.13	2.13	1.25	2.59
52	1.10	2.07	1.21	2.48
52.5	1.08	2.01	1.16	2.37
53	1.06	1.95	1.12	2.26
53.5	1.03	1.89	1.08	2.15
54	1.01	1.83	1.04	2.04
54.5	0.99	1.77	1.00	1.93
55	0.97	1.71	0.96	1.82
55.5	0.94	1.65	0.92	1.71
56	0.92	1.59	0.88	1.60
56.5	0.90	1.53	0.83	1.49
57	0.88	1.47	0.79	1.39
57.5	0.85	1.41	0.75	1.28
58	0.83	1.35	0.71	1.17
58.5	0.81	1.29	0.67	1.06
59	0.79	1.23	0.63	0.95
59.5	0.76	1.17	0.59	0.84
60	0.74	1.11	0.55	0.73
60.5	0.73	1.12	0.53	0.73
61	0.71	1.14	0.52	0.74
61.5	0.69	1.15	0.51	0.74
62	0.68	1.17	0.49	0.74
62.5	0.66	1.18	0.48	0.75
63	0.64	1.20	0.47	0.75
63.5	0.63	1.21	0.45	0.75
64	0.61	1.22	0.44	0.76
64.5	0.59	1.24	0.43	0.76
65	0.58	1.25	0.41	0.76
65.5	0.56	1.27	0.40	0.77
66	0.54	1.28	0.39	0.77
66.5	0.53	1.30	0.37	0.77
67	0.51	1.31	0.36	0.78
67.5	0.50	1.32	0.35	0.78
68	0.48	1.34	0.33	0.79
68.5	0.46	1.35	0.32	0.79
69	0.45	1.37	0.31	0.79
69.5	0.43	1.38	0.29	0.80
70	0.41	1.40	0.28	0.80
70.5	0.41	1.36	0.29	0.76
71	0.41	1.32	0.30	0.73
71.5	0.41	1.28	0.30	0.69
72	0.40	1.24	0.31	0.66
73	0.40	1.16	0.32	0.58
73.5	0.40	1.12	0.33	0.55
74	0.39	1.08	0.34	0.51
74.5	0.39	1.04	0.35	0.48
75	0.39	1.00	0.35	0.44
75.5	0.39	0.96	0.36	0.41
76	0.39	0.92	0.37	0.37
76.5	0.38	0.88	0.37	0.33
77	0.38	0.84	0.38	0.30
78	0.38	0.76	0.40	0.23
78.5	0.37	0.72	0.40	0.19
79	0.37	0.68	0.41	0.16
79.5	0.37	0.64	0.42	0.12
80	0.37	0.60	0.42	0.08
80.5	0.36	0.58	0.41	0.09
81	0.35	0.56	0.40	0.10
81.5	0.34	0.54	0.39	0.11
82	0.33	0.52	0.38	0.12
82.5	0.32	0.50	0.36	0.13
83	0.31	0.47	0.35	0.14
83.5	0.30	0.45	0.34	0.15
84	0.29	0.43	0.33	0.16
84.5	0.28	0.41	0.32	0.17
85	0.27	0.39	0.30	0.18
85.5	0.26	0.37	0.29	0.19
86	0.25	0.35	0.28	0.20
86.5	0.24	0.33	0.27	0.21
87	0.23	0.31	0.26	0.22
87.5	0.22	0.29	0.24	0.23
88	0.21	0.27	0.23	0.24
88.5	0.20	0.24	0.22	0.25
89	0.19	0.22	0.21	0.26
89.5	0.18	0.20	0.20	0.27
90	0.17	0.18	0.18	0.28
90.5	0.18	0.18	0.18	0.32
91	0.19	0.19	0.18	0.35
91.5	0.20	0.19	0.18	0.39
92	0.21	0.19	0.18	0.43
93	0.22	0.20	0.18	0.50
93.5	0.23	0.20	0.18	0.54
94	0.24	0.21	0.18	0.57
94.5	0.25	0.21	0.18	0.61
95	0.26	0.21	0.18	0.65
95.5	0.27	0.21	0.18	0.69
96	0.28	0.22	0.18	0.72
96.5	0.28	0.22	0.18	0.76
97	0.29	0.22	0.18	0.80
97.5	0.30	0.23	0.18	0.83
98	0.31	0.23	0.18	0.87
98.5	0.32	0.23	0.18	0.91
99	0.33	0.24	0.18	0.94
99.5	0.34	0.24	0.18	0.98
100	0.34	0.24	0.18	1.02

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	69.59	70.21	66.47	61.59
0.5	68.29	68.39	64.70	60.11
1	67.00	66.57	62.93	58.63
1.5	65.71	64.75	61.16	57.15
2	64.41	62.93	59.39	55.67
2.5	63.12	61.11	57.62	54.19
3	61.83	59.29	55.85	52.71
3.5	60.53	57.47	54.08	51.23
4	59.24	55.65	52.31	49.75
4.5	57.94	53.82	50.54	48.27
5	56.65	52.00	48.77	46.79
5.5	55.36	50.18	47.00	45.31
6	54.06	48.36	45.23	43.83
6.5	52.77	46.54	43.47	42.34
7	51.48	44.72	41.70	40.86
7.5	50.18	42.90	39.93	39.38
8	48.89	41.08	38.16	37.90
8.5	47.60	39.26	36.39	36.42
9	46.30	37.44	34.62	34.94
9.5	45.01	35.62	32.85	33.46
10	43.71	33.79	31.08	31.98
10.5	43.24	33.32	30.44	31.04
11	42.76	32.85	29.80	30.09
11.5	42.29	32.38	29.16	29.14
12	41.81	31.91	28.53	28.19
12.5	41.34	31.44	27.89	27.24
13	40.86	30.97	27.25	26.29
13.5	40.39	30.50	26.61	25.34
14	39.91	30.03	25.98	24.40
14.5	39.44	29.56	25.34	23.45
15	38.96	29.09	24.70	22.50
15.5	38.49	28.62	24.06	21.55
16	38.01	28.15	23.43	20.60
16.5	37.54	27.68	22.79	19.65
17	37.06	27.21	22.15	18.71
17.5	36.59	26.74	21.51	17.76
18	36.11	26.27	20.88	16.81
18.5	35.64	25.80	20.24	15.86
19	35.16	25.33	19.60	14.91
19.5	34.69	24.86	18.96	13.96
20	34.21	24.39	18.32	13.02
20.5	33.05	23.62	17.82	12.67
21	31.89	22.86	17.32	12.32
21.5	30.72	22.10	16.82	11.98
22	29.56	21.34	16.32	11.63
22.5	28.40	20.57	15.82	11.28
23	27.24	19.81	15.32	10.94
23.5	26.08	19.05	14.81	10.59
24	24.91	18.29	14.31	10.24
24.5	23.75	17.52	13.81	9.90
25	22.59	16.76	13.31	9.55
25.5	21.43	16.00	12.81	9.20
26	20.27	15.24	12.31	8.86
26.5	19.10	14.47	11.80	8.51
27	17.94	13.71	11.30	8.16
27.5	16.78	12.95	10.80	7.82
28	15.62	12.19	10.30	7.47
28.5	14.45	11.42	9.80	7.12
29	13.29	10.66	9.30	6.78
29.5	12.13	9.90	8.79	6.43
30	10.97	9.14	8.29	6.08