---

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

---

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

 Print (1.84 MB PDF)

Tables for Figures 7.A.-7.E.

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)

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

As shown in the figure, curves encompassed by the ellipses are the data for goods and bads respectively.

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Race or ethnicity (SSA data)
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.04	0.00	0.12	0.00	0.03	0.00	0.00
0.5	0.00	1.21	0.02	2.00	0.02	1.17	0.00	0.75
1	0.03	5.15	0.37	8.68	0.06	5.42	0.06	4.62
1.5	0.04	6.38	0.45	10.49	0.06	6.75	0.06	5.58
2	0.06	7.95	0.56	12.73	0.10	8.59	0.09	6.65
2.5	0.08	9.17	0.67	14.99	0.16	9.93	0.09	7.59
3	0.11	11.07	0.93	17.98	0.22	12.35	0.10	9.32
3.5	0.14	12.72	1.07	20.50	0.38	13.96	0.11	11.08
4	0.17	14.47	1.15	23.15	0.43	15.86	0.14	12.38
4.5	0.18	15.07	1.19	24.03	0.48	16.55	0.15	12.91
5	0.25	17.65	1.48	27.79	0.57	19.50	0.18	15.45
5.5	0.31	19.68	1.82	30.83	0.71	21.95	0.22	17.41
6	0.37	21.86	2.06	33.66	0.82	23.75	0.30	18.99
6.5	0.39	22.95	2.19	35.37	0.88	25.07	0.35	19.60
7	0.47	25.01	2.46	37.92	1.04	27.45	0.40	20.93
7.5	0.49	25.90	2.68	39.01	1.10	28.39	0.43	22.38
8	0.56	27.62	2.88	41.06	1.25	29.99	0.48	23.45
8.5	0.58	28.41	2.96	41.94	1.42	30.72	0.48	24.17
9	0.62	29.56	3.11	43.42	1.52	31.66	0.53	25.04
9.5	0.66	30.43	3.25	44.50	1.58	32.87	0.59	25.43
10	0.73	31.61	3.55	46.00	1.65	34.09	0.61	26.36
10.5	0.78	32.46	3.76	47.01	1.76	35.03	0.62	26.87
11	0.85	33.84	4.03	48.49	1.91	36.29	0.69	28.75
11.5	0.90	35.07	4.23	49.97	2.00	37.45	0.72	29.82
12	1.00	37.39	4.70	52.42	2.20	39.84	0.78	32.40
12.5	1.08	38.62	5.08	53.67	2.35	40.95	0.86	33.84
13	1.18	40.22	5.43	55.18	2.63	42.34	0.97	35.09
13.5	1.25	41.55	5.81	56.45	2.73	43.54	1.03	36.83
14	1.37	43.87	6.51	58.57	2.97	46.00	1.07	39.07
14.5	1.43	45.07	6.95	59.73	3.11	47.32	1.15	40.17
15	1.55	46.89	7.31	61.58	3.39	49.05	1.23	42.03
15.5	1.64	47.84	7.67	62.61	3.53	50.16	1.29	43.59
16	1.76	49.37	8.20	64.02	3.77	51.70	1.40	44.66
16.5	1.87	50.37	8.71	65.02	4.05	52.93	1.50	45.50
17	2.00	51.61	9.18	66.11	4.53	54.21	1.62	46.42
17.5	2.09	52.38	9.52	66.99	4.71	54.95	1.69	47.01
18	2.24	53.58	10.00	67.96	4.98	56.06	1.81	48.38
18.5	2.34	54.36	10.30	68.80	5.13	56.86	1.90	48.78
19	2.51	55.43	10.66	69.67	5.45	57.91	2.09	49.65
19.5	2.60	56.13	10.98	70.30	5.69	58.69	2.23	50.33
20	2.79	59.09	11.53	75.02	5.99	62.34	2.42	51.79
20.5	2.88	60.02	11.93	76.16	6.24	63.34	2.54	52.83
21	3.03	61.31	12.43	77.55	6.78	64.69	2.62	53.86
21.5	3.14	61.97	12.73	78.26	6.97	65.32	2.70	54.58
22	3.32	62.93	13.32	79.13	7.33	66.36	2.93	55.03
22.5	3.46	63.59	13.73	79.76	7.63	67.01	3.08	55.52
23	3.63	64.58	14.41	80.61	7.98	68.09	3.29	56.10
23.5	3.78	65.52	14.83	81.42	8.42	69.33	3.39	56.65
24	4.06	66.95	15.68	82.60	8.90	71.22	3.74	57.71
24.5	4.24	67.75	16.10	83.26	9.45	71.88	3.87	58.15
25	4.50	68.65	16.81	84.07	10.01	73.06	4.00	59.09
25.5	4.67	69.22	17.55	84.63	10.39	73.69	4.21	59.38
26	4.90	70.07	18.35	85.50	10.99	74.66	4.36	61.00
26.5	5.13	70.87	18.96	86.04	11.37	75.71	4.62	61.69
27	5.49	72.03	19.85	86.78	12.23	76.75	4.96	62.72
27.5	5.68	72.71	20.71	87.24	12.75	77.55	5.17	63.30
28	6.05	73.70	21.65	87.99	13.71	78.28	5.56	64.19
28.5	6.28	74.33	22.22	88.39	14.35	78.96	5.85	64.98
29	6.79	75.45	23.39	89.05	15.32	79.94	6.26	66.46
29.5	7.08	76.16	24.02	89.27	15.84	80.38	6.41	67.03
30	7.46	76.91	25.07	89.79	16.54	81.15	6.94	67.82
30.5	7.70	77.46	25.69	90.14	16.97	81.52	7.25	68.71
31	8.19	78.29	26.76	90.65	17.98	82.28	7.87	69.82
31.5	8.45	78.76	27.23	90.97	18.47	82.74	8.10	70.42
32	8.86	79.33	28.04	91.43	19.28	83.34	8.44	70.86
32.5	9.19	79.86	28.68	91.77	20.13	83.75	8.93	71.82
33	9.63	80.47	29.60	92.08	20.78	84.26	9.31	73.11
33.5	10.00	80.87	30.43	92.40	21.48	84.63	9.61	73.84
34	10.46	81.51	31.37	92.71	22.15	85.16	10.12	74.80
34.5	10.92	82.00	32.10	93.01	22.88	85.57	10.46	75.44
35	11.55	82.83	33.46	93.46	23.94	86.28	11.19	76.43
35.5	11.77	83.13	33.86	93.62	24.38	86.61	11.50	76.91
36	12.48	83.76	34.97	94.00	25.39	87.31	12.18	77.67
36.5	12.81	84.07	35.39	94.11	25.92	87.47	12.54	78.04
37	13.57	84.66	36.83	94.43	27.22	88.27	13.43	78.72
37.5	13.88	84.94	37.45	94.56	27.66	88.47	13.65	79.08
38	14.62	85.62	38.92	94.89	28.94	89.04	14.45	79.70
38.5	14.92	85.84	39.50	95.05	29.33	89.30	14.71	79.94
39	15.53	86.46	40.49	95.37	30.37	89.82	15.68	80.39
39.5	15.75	86.68	40.94	95.43	30.75	89.92	15.93	80.47
40	16.27	87.10	41.70	95.56	31.37	90.29	16.48	80.91
40.5	16.68	87.39	42.44	95.79	31.94	90.37	16.96	81.40
41	17.26	87.81	43.52	96.00	32.91	90.72	17.69	81.99
41.5	17.53	88.00	43.97	96.09	33.41	90.84	18.07	82.17
42	18.19	88.52	45.11	96.35	34.49	91.20	18.81	82.66
42.5	18.57	88.80	45.98	96.45	35.03	91.52	19.22	83.04
43	19.19	89.22	47.02	96.67	36.01	91.78	19.85	83.55
43.5	19.62	89.46	47.62	96.77	36.64	91.94	20.40	83.78
44	20.32	89.80	48.83	96.91	37.72	92.51	21.31	84.01
44.5	20.95	90.13	49.61	97.06	38.53	92.74	21.91	84.64
45	21.48	90.43	50.48	97.15	39.35	93.08	22.54	85.08
45.5	22.06	90.73	51.42	97.20	40.16	93.31	23.19	85.23
46	22.69	91.09	52.27	97.33	41.01	93.51	23.91	85.76
46.5	23.11	91.26	52.79	97.39	41.50	93.70	24.58	86.05
47	24.00	91.58	53.88	97.54	42.63	94.03	25.62	86.52
47.5	24.38	91.71	54.40	97.60	43.10	94.14	26.18	86.87
48	25.33	91.95	55.41	97.67	44.09	94.46	27.12	87.24
48.5	25.79	92.10	55.94	97.70	44.55	94.66	27.61	87.47
49	26.32	92.27	56.53	97.82	45.25	94.86	28.16	87.82
49.5	26.89	92.50	57.18	97.87	45.99	94.96	28.78	88.08
50	27.61	92.73	58.22	97.94	46.94	95.14	29.63	88.31
50.5	27.96	92.86	58.67	97.99	47.42	95.19	30.10	88.53
51	28.66	93.06	59.44	98.07	48.31	95.36	31.07	89.13
51.5	29.18	93.21	59.92	98.11	49.00	95.41	31.64	89.41
52	29.88	93.42	60.50	98.15	49.92	95.60	32.67	89.82
52.5	30.38	93.55	61.09	98.23	50.62	95.76	33.45	90.11
53	31.07	93.74	61.81	98.32	51.52	95.87	34.43	90.53
53.5	31.67	93.92	62.62	98.39	52.19	96.01	35.33	91.03
54	32.43	94.15	63.36	98.45	53.11	96.17	36.44	91.48
54.5	32.81	94.25	63.74	98.50	53.56	96.28	37.13	91.55
55	33.64	94.41	64.67	98.59	54.54	96.43	38.31	91.77
55.5	34.10	94.52	65.31	98.60	55.14	96.53	38.82	91.85
56	34.84	94.68	65.95	98.66	56.15	96.62	39.71	92.00
56.5	35.30	94.76	66.45	98.70	56.79	96.69	40.46	92.15
57	36.07	94.95	67.00	98.77	57.80	96.81	41.44	92.30
57.5	36.52	95.06	67.32	98.78	58.26	97.00	42.06	92.59
58	37.31	95.21	67.88	98.81	59.23	97.15	42.91	92.67
58.5	37.84	95.31	68.32	98.84	59.90	97.22	43.65	92.74
59	38.62	95.49	69.07	98.89	60.75	97.30	44.61	93.04
59.5	39.19	95.57	69.52	98.91	61.33	97.41	45.25	93.19
60	40.06	95.71	70.33	98.99	62.24	97.61	46.41	93.40
60.5	40.47	95.77	70.68	99.00	62.75	97.66	47.05	93.54
61	41.14	95.85	71.31	99.03	63.35	97.75	47.63	93.76
61.5	41.79	95.94	71.83	99.07	63.99	97.78	48.39	93.77
62	42.44	96.04	72.37	99.10	64.71	97.84	49.19	93.91
62.5	43.15	96.12	72.92	99.14	65.37	97.94	50.37	94.13
63	43.84	96.24	73.45	99.17	65.82	98.06	51.13	94.28
63.5	44.58	96.36	74.02	99.22	66.49	98.18	52.01	94.43
64	45.35	96.50	74.50	99.25	67.31	98.28	52.86	94.71
64.5	45.72	96.52	74.82	99.28	67.73	98.31	53.22	94.72
65	46.49	96.63	75.25	99.29	68.40	98.39	54.15	94.93
65.5	46.97	96.70	75.54	99.33	68.70	98.41	54.73	95.15
66	47.73	96.80	76.03	99.34	69.29	98.48	55.56	95.29
66.5	48.16	96.83	76.30	99.34	69.87	98.50	56.24	95.33
67	48.59	96.86	76.50	99.35	70.23	98.53	56.56	95.40
67.5	49.49	97.00	77.31	99.37	71.10	98.60	57.79	95.90
68	49.79	97.03	77.56	99.37	71.41	98.62	58.10	95.97
68.5	50.20	97.07	77.80	99.38	71.78	98.64	58.55	96.04
69	51.14	97.19	78.34	99.39	72.55	98.69	59.52	96.13
69.5	51.73	97.24	78.63	99.40	73.03	98.73	60.13	96.34
70	52.29	97.27	78.96	99.43	73.49	98.79	60.79	96.34
70.5	52.87	97.32	79.42	99.44	73.94	98.84	61.29	96.48
71	53.35	97.36	79.68	99.47	74.35	98.87	61.82	96.55
71.5	53.76	97.42	80.00	99.48	74.71	98.92	62.22	96.69
72	54.76	97.51	80.55	99.48	75.48	99.00	63.26	97.02
73	55.91	97.62	81.33	99.54	76.26	99.07	64.53	97.23
73.5	56.42	97.69	81.57	99.57	76.56	99.12	64.89	97.24
74	56.99	97.73	81.97	99.58	76.92	99.12	65.46	97.24
74.5	57.90	97.79	82.45	99.59	77.55	99.21	66.14	97.42
75	58.70	97.86	82.98	99.62	78.19	99.24	66.72	97.42
75.5	59.34	97.90	83.33	99.63	78.65	99.25	67.41	97.56
76	59.93	97.95	83.65	99.64	79.03	99.29	67.94	97.57
76.5	60.67	98.00	84.18	99.66	79.56	99.32	68.62	97.64
77	62.13	98.13	85.03	99.68	80.77	99.41	70.43	98.22
78	63.51	98.21	85.63	99.71	81.64	99.47	71.54	98.31
78.5	64.09	98.26	85.82	99.72	81.95	99.47	72.03	98.31
79	64.93	98.32	86.22	99.73	82.43	99.52	72.58	98.46
79.5	65.53	98.36	86.50	99.73	82.90	99.52	73.17	98.60
80	66.27	98.40	87.04	99.74	83.41	99.59	73.87	98.67
80.5	67.07	98.45	87.65	99.76	83.92	99.59	74.50	98.68
81	68.54	98.53	88.25	99.77	84.75	99.59	75.72	98.82
81.5	69.21	98.56	88.50	99.79	85.17	99.62	76.35	98.82
82	69.85	98.59	88.80	99.79	85.52	99.63	76.91	98.82
82.5	70.56	98.63	89.19	99.79	85.94	99.63	77.61	98.83
83	71.28	98.69	89.57	99.79	86.34	99.66	78.17	98.91
83.5	72.24	98.73	90.04	99.80	86.81	99.68	78.82	98.99
84	73.42	98.81	90.53	99.80	87.56	99.70	79.84	99.07
84.5	74.07	98.84	90.86	99.80	87.98	99.70	80.25	99.07
85	74.73	98.88	91.23	99.80	88.29	99.70	80.76	99.09
85.5	76.07	98.94	91.85	99.81	89.05	99.71	81.70	99.10
86	76.86	98.96	92.17	99.82	89.38	99.71	82.18	99.17
86.5	77.79	99.00	92.59	99.82	90.01	99.76	82.99	99.17
87	78.35	99.04	92.88	99.83	90.23	99.76	83.41	99.18
87.5	79.47	99.07	93.33	99.86	90.79	99.76	84.24	99.18
88	80.03	99.10	93.50	99.86	91.07	99.78	84.71	99.18
88.5	81.14	99.18	93.87	99.88	91.55	99.82	85.55	99.26
89	81.76	99.21	94.06	99.89	91.78	99.82	86.12	99.27
89.5	83.06	99.26	94.47	99.91	92.34	99.85	87.03	99.41
90	83.74	99.29	94.67	99.92	92.65	99.85	87.51	99.42
90.5	84.40	99.34	94.78	99.93	93.01	99.87	88.05	99.43
91	84.81	99.38	94.90	99.93	93.16	99.87	88.44	99.43
91.5	85.47	99.42	95.09	99.93	93.43	99.87	88.96	99.43
92	86.44	99.47	95.49	99.94	93.90	99.88	89.63	99.45
93	87.82	99.53	96.02	99.94	94.53	99.88	90.65	99.58
93.5	88.98	99.58	96.40	99.94	95.12	99.90	91.33	99.62
94	89.92	99.62	96.79	99.95	95.48	99.92	91.94	99.71
94.5	91.41	99.70	97.22	99.97	96.13	99.94	92.92	99.79
95	92.62	99.73	97.52	99.97	96.64	99.96	93.76	99.87
95.5	93.09	99.76	97.64	99.97	96.89	99.96	94.10	99.87
96	94.31	99.79	98.05	99.98	97.47	99.96	95.13	99.90
96.5	94.67	99.80	98.18	99.98	97.61	99.96	95.42	99.90
97	95.59	99.85	98.46	99.98	98.00	99.98	96.26	99.97
97.5	96.82	99.92	98.92	99.98	98.55	99.98	97.25	99.99
98	98.53	99.95	99.62	100.00	99.35	100.00	98.58	99.99
98.5	99.46	99.99	99.86	100.00	99.76	100.00	99.47	100.00
99	99.87	100.00	99.95	100.00	99.95	100.00	99.85	100.00
99.5	99.97	100.00	100.00	100.00	100.00	100.00	99.92	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Race or ethnicity (location-based distribution)
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.05	0.00	0.09	0.00	0.06	0.00	0.05
0.5	0.00	1.30	0.02	1.75	0.01	1.47	0.00	1.51
1	0.04	5.45	0.16	7.33	0.06	6.37	0.04	6.26
1.5	0.05	6.71	0.20	8.92	0.07	7.73	0.05	7.67
2	0.07	8.37	0.24	10.95	0.13	9.52	0.07	9.13
2.5	0.09	9.72	0.29	12.77	0.16	11.06	0.08	10.44
3	0.12	11.72	0.41	15.38	0.24	13.46	0.12	12.67
3.5	0.16	13.40	0.49	17.68	0.31	15.24	0.14	14.35
4	0.19	15.20	0.56	19.92	0.36	17.21	0.18	16.13
4.5	0.19	15.80	0.58	20.70	0.38	17.92	0.20	16.80
5	0.26	18.51	0.72	24.18	0.48	20.92	0.26	19.60
5.5	0.32	20.65	0.86	26.85	0.58	23.27	0.32	21.53
6	0.38	22.87	0.97	29.41	0.67	25.40	0.38	23.57
6.5	0.42	24.04	1.03	30.85	0.72	26.67	0.41	24.71
7	0.49	26.12	1.17	33.15	0.85	28.77	0.46	26.43
7.5	0.52	27.06	1.25	34.21	0.90	29.81	0.49	27.51
8	0.59	28.77	1.35	36.09	1.00	31.43	0.55	29.03
8.5	0.61	29.55	1.41	36.96	1.08	32.18	0.57	29.79
9	0.66	30.68	1.48	38.35	1.13	33.26	0.62	30.73
9.5	0.69	31.59	1.56	39.48	1.20	34.25	0.66	31.48
10	0.76	32.77	1.71	40.96	1.28	35.43	0.72	32.71
10.5	0.81	33.61	1.83	41.91	1.35	36.32	0.76	33.53
11	0.88	34.97	1.98	43.47	1.45	37.63	0.85	34.99
11.5	0.93	36.21	2.05	44.84	1.52	38.91	0.89	36.08
12	1.04	38.55	2.27	47.11	1.68	41.05	1.01	38.63
12.5	1.12	39.77	2.41	48.36	1.78	42.16	1.10	39.63
13	1.23	41.32	2.61	49.96	1.98	43.53	1.23	40.97
13.5	1.29	42.63	2.77	51.15	2.08	44.79	1.30	42.39
14	1.42	44.85	3.06	53.34	2.27	47.07	1.41	44.69
14.5	1.48	46.09	3.25	54.39	2.39	48.22	1.47	45.67
15	1.60	47.94	3.42	56.10	2.63	49.87	1.61	47.41
15.5	1.69	48.93	3.59	57.06	2.77	50.87	1.69	48.57
16	1.81	50.39	3.87	58.38	2.98	52.42	1.81	50.23
16.5	1.92	51.42	4.12	59.26	3.18	53.38	1.94	51.32
17	2.06	52.60	4.40	60.50	3.43	54.66	2.12	52.50
17.5	2.15	53.38	4.61	61.38	3.58	55.34	2.23	53.10
18	2.30	54.54	4.83	62.43	3.77	56.46	2.36	54.23
18.5	2.40	55.33	4.98	63.21	3.92	57.18	2.46	54.86
19	2.57	56.36	5.24	64.16	4.14	58.11	2.65	55.80
19.5	2.67	57.08	5.46	64.82	4.31	58.78	2.75	56.58
20	2.86	60.31	5.80	69.48	4.61	62.63	2.99	59.68
20.5	2.97	61.30	5.99	70.75	4.78	63.74	3.12	60.73
21	3.14	62.62	6.29	72.09	5.04	65.16	3.32	62.01
21.5	3.25	63.31	6.49	72.82	5.22	65.85	3.45	62.78
22	3.43	64.26	6.85	73.71	5.51	66.82	3.69	63.69
22.5	3.59	64.89	7.08	74.43	5.75	67.47	3.84	64.28
23	3.75	65.86	7.43	75.38	6.08	68.37	4.03	65.09
23.5	3.92	66.77	7.67	76.21	6.35	69.30	4.24	65.89
24	4.20	68.18	8.21	77.49	6.83	70.85	4.53	67.24
24.5	4.39	68.94	8.48	78.18	7.14	71.51	4.73	67.93
25	4.64	69.86	8.92	78.99	7.60	72.48	5.00	68.84
25.5	4.82	70.44	9.27	79.57	7.92	73.14	5.17	69.31
26	5.06	71.30	9.74	80.41	8.35	73.99	5.43	70.11
26.5	5.29	72.10	10.11	81.03	8.68	74.83	5.67	70.85
27	5.67	73.19	10.65	81.88	9.29	75.87	6.03	71.88
27.5	5.88	73.85	11.09	82.44	9.64	76.51	6.28	72.54
28	6.27	74.80	11.69	83.29	10.27	77.30	6.67	73.41
28.5	6.51	75.43	12.04	83.73	10.71	77.93	6.92	74.11
29	7.02	76.44	12.85	84.57	11.50	78.93	7.49	75.19
29.5	7.30	77.06	13.27	84.93	11.96	79.40	7.80	75.72
30	7.70	77.78	13.93	85.55	12.56	80.15	8.24	76.52
30.5	7.95	78.30	14.29	85.96	12.93	80.56	8.48	77.04
31	8.45	79.09	15.04	86.60	13.65	81.38	9.02	77.83
31.5	8.71	79.54	15.39	86.96	14.06	81.76	9.30	78.23
32	9.13	80.14	15.98	87.46	14.70	82.30	9.73	78.76
32.5	9.47	80.65	16.47	87.82	15.29	82.77	10.14	79.26
33	9.91	81.27	17.00	88.25	15.85	83.33	10.53	79.82
33.5	10.27	81.69	17.58	88.62	16.43	83.77	10.95	80.26
34	10.74	82.32	18.20	89.04	17.14	84.37	11.39	80.94
34.5	11.17	82.76	18.78	89.36	17.74	84.85	11.85	81.41
35	11.82	83.52	19.76	89.82	18.58	85.51	12.51	82.22
35.5	12.04	83.82	20.11	90.06	18.88	85.73	12.77	82.59
36	12.73	84.44	21.00	90.56	19.80	86.32	13.57	83.24
36.5	13.05	84.70	21.42	90.74	20.28	86.59	13.94	83.51
37	13.83	85.35	22.42	91.15	21.30	87.27	14.81	84.06
37.5	14.13	85.60	22.83	91.33	21.66	87.54	15.13	84.35
38	14.89	86.24	23.93	91.78	22.63	88.10	15.98	85.01
38.5	15.18	86.47	24.28	91.97	23.01	88.34	16.29	85.35
39	15.80	87.05	25.04	92.39	23.83	88.94	17.14	85.98
39.5	16.03	87.26	25.38	92.49	24.16	89.08	17.41	86.15
40	16.54	87.63	26.04	92.74	24.88	89.49	17.93	86.60
40.5	16.95	87.91	26.60	92.98	25.40	89.69	18.41	86.96
41	17.54	88.32	27.36	93.23	26.23	90.09	19.02	87.33
41.5	17.82	88.50	27.71	93.35	26.58	90.25	19.36	87.49
42	18.49	89.01	28.56	93.66	27.48	90.63	20.08	87.82
42.5	18.89	89.28	29.13	93.81	27.99	90.91	20.53	88.18
43	19.53	89.68	30.01	94.06	28.72	91.19	21.12	88.58
43.5	19.95	89.90	30.52	94.18	29.27	91.41	21.61	88.79
44	20.69	90.23	31.45	94.40	30.23	91.83	22.40	89.19
44.5	21.32	90.56	32.12	94.57	30.98	92.09	23.09	89.46
45	21.86	90.85	32.86	94.75	31.73	92.37	23.68	89.80
45.5	22.46	91.11	33.57	94.89	32.47	92.64	24.31	90.07
46	23.11	91.43	34.34	95.12	33.24	92.88	24.98	90.37
46.5	23.53	91.60	34.88	95.24	33.71	93.03	25.47	90.55
47	24.43	91.91	35.97	95.46	34.77	93.36	26.48	90.82
47.5	24.83	92.05	36.42	95.56	35.23	93.50	26.95	90.97
48	25.78	92.29	37.41	95.74	36.22	93.76	27.87	91.27
48.5	26.24	92.43	37.92	95.83	36.72	93.89	28.34	91.41
49	26.79	92.60	38.54	95.97	37.27	94.07	28.84	91.62
49.5	27.38	92.80	39.24	96.03	37.94	94.25	29.38	91.84
50	28.15	93.00	40.16	96.18	38.84	94.43	30.17	92.06
50.5	28.53	93.12	40.55	96.23	39.23	94.51	30.56	92.17
51	29.25	93.32	41.42	96.37	40.06	94.67	31.45	92.43
51.5	29.77	93.45	41.98	96.47	40.68	94.74	32.05	92.55
52	30.49	93.65	42.74	96.56	41.50	94.92	32.84	92.74
52.5	31.00	93.76	43.32	96.69	42.09	95.07	33.35	92.95
53	31.70	93.95	44.10	96.82	42.97	95.21	34.22	93.21
53.5	32.34	94.14	44.84	96.91	43.60	95.42	34.93	93.50
54	33.11	94.37	45.74	97.05	44.51	95.61	35.87	93.71
54.5	33.50	94.46	46.12	97.11	44.93	95.74	36.35	93.80
55	34.36	94.65	46.99	97.24	45.96	95.95	37.33	94.01
55.5	34.84	94.75	47.50	97.28	46.49	96.04	37.86	94.10
56	35.62	94.91	48.29	97.38	47.34	96.17	38.67	94.20
56.5	36.11	94.98	48.84	97.44	47.89	96.26	39.25	94.31
57	36.93	95.17	49.63	97.54	48.77	96.38	40.16	94.47
57.5	37.40	95.28	50.08	97.58	49.30	96.54	40.68	94.68
58	38.21	95.42	50.80	97.64	50.10	96.68	41.46	94.82
58.5	38.76	95.52	51.38	97.69	50.70	96.76	42.14	94.97
59	39.56	95.68	52.16	97.80	51.50	96.88	43.02	95.08
59.5	40.13	95.76	52.70	97.83	52.11	96.96	43.56	95.15
60	41.05	95.91	53.56	97.94	53.02	97.10	44.55	95.29
60.5	41.47	95.98	54.00	97.96	53.47	97.13	45.05	95.34
61	42.14	96.06	54.64	98.03	54.16	97.22	45.65	95.48
61.5	42.81	96.16	55.29	98.08	54.84	97.28	46.31	95.61
62	43.48	96.24	55.94	98.15	55.47	97.36	46.95	95.69
62.5	44.21	96.34	56.65	98.22	56.20	97.47	47.71	95.81
63	44.90	96.46	57.33	98.27	56.83	97.55	48.45	95.89
63.5	45.72	96.60	58.05	98.32	57.61	97.68	49.33	96.07
64	46.53	96.75	58.77	98.45	58.43	97.82	50.16	96.25
64.5	46.93	96.78	59.14	98.47	58.79	97.85	50.51	96.28
65	47.77	96.90	59.89	98.52	59.61	97.94	51.39	96.43
65.5	48.27	96.97	60.30	98.57	60.04	97.97	51.88	96.54
66	49.08	97.07	61.02	98.59	60.79	98.01	52.60	96.62
66.5	49.73	97.11	61.65	98.60	61.49	98.04	53.31	96.67
67	50.19	97.14	62.01	98.62	61.92	98.05	53.72	96.72
67.5	51.22	97.29	63.04	98.69	63.02	98.14	54.83	96.95
68	51.54	97.32	63.40	98.70	63.36	98.17	55.22	97.00
68.5	51.98	97.35	63.75	98.73	63.76	98.20	55.66	97.02
69	53.03	97.47	64.71	98.78	64.72	98.26	56.71	97.11
69.5	53.62	97.51	65.17	98.80	65.22	98.30	57.26	97.15
70	54.21	97.57	65.70	98.83	65.80	98.36	57.86	97.20
70.5	54.79	97.62	66.33	98.87	66.31	98.41	58.41	97.24
71	55.27	97.66	66.71	98.89	66.72	98.45	58.88	97.28
71.5	55.72	97.71	67.15	98.91	67.14	98.52	59.31	97.39
72	56.74	97.79	68.02	98.94	68.03	98.60	60.26	97.52
73	57.89	97.90	69.02	99.01	69.01	98.67	61.37	97.63
73.5	58.40	97.96	69.51	99.06	69.45	98.73	61.80	97.68
74	58.98	98.00	70.04	99.09	69.94	98.74	62.35	97.73
74.5	60.00	98.06	70.92	99.11	70.80	98.82	63.26	97.82
75	60.92	98.13	71.92	99.14	71.65	98.84	64.02	97.88
75.5	61.55	98.17	72.41	99.17	72.17	98.88	64.57	97.93
76	62.13	98.21	72.86	99.19	72.56	98.94	65.07	97.98
76.5	62.85	98.25	73.38	99.21	73.10	98.96	65.77	98.01
77	64.35	98.37	74.64	99.28	74.43	99.07	67.36	98.21
78	65.70	98.45	75.67	99.35	75.47	99.14	68.63	98.31
78.5	66.25	98.49	76.07	99.38	75.88	99.15	69.15	98.32
79	67.07	98.54	76.71	99.39	76.48	99.18	69.79	98.44
79.5	67.64	98.58	77.22	99.40	76.95	99.20	70.28	98.50
80	68.37	98.61	77.82	99.42	77.56	99.27	70.96	98.55
80.5	69.20	98.66	78.49	99.45	78.27	99.30	71.77	98.60
81	70.56	98.74	79.50	99.47	79.27	99.34	72.94	98.72
81.5	71.19	98.77	79.98	99.49	79.72	99.37	73.55	98.75
82	71.80	98.80	80.35	99.50	80.13	99.38	74.07	98.76
82.5	72.47	98.83	80.88	99.50	80.63	99.40	74.65	98.77
83	73.16	98.87	81.37	99.51	81.15	99.43	75.25	98.80
83.5	74.09	98.92	82.05	99.53	81.82	99.46	76.03	98.84
84	75.19	98.98	82.83	99.55	82.64	99.49	77.01	98.92
84.5	75.80	99.00	83.30	99.56	83.07	99.50	77.55	98.94
85	76.41	99.04	83.78	99.57	83.51	99.52	78.07	98.99
85.5	77.67	99.08	84.72	99.59	84.45	99.53	79.18	99.03
86	78.39	99.10	85.21	99.61	84.91	99.55	79.84	99.07
86.5	79.26	99.14	85.79	99.61	85.57	99.59	80.67	99.10
87	79.79	99.17	86.13	99.62	85.94	99.60	81.19	99.12
87.5	80.81	99.21	86.81	99.66	86.68	99.62	82.13	99.17
88	81.33	99.23	87.14	99.67	87.01	99.62	82.66	99.19
88.5	82.36	99.30	87.85	99.69	87.71	99.67	83.53	99.25
89	82.93	99.32	88.20	99.71	88.12	99.68	84.03	99.28
89.5	84.12	99.37	89.01	99.74	88.92	99.69	85.12	99.34
90	84.75	99.40	89.42	99.76	89.35	99.71	85.62	99.37
90.5	85.35	99.44	89.78	99.77	89.76	99.75	86.16	99.40
91	85.73	99.47	89.99	99.79	89.99	99.75	86.52	99.41
91.5	86.35	99.50	90.42	99.79	90.38	99.76	87.07	99.45
92	87.24	99.54	91.01	99.80	91.01	99.77	87.97	99.49
93	88.51	99.59	91.90	99.81	91.87	99.79	89.06	99.58
93.5	89.57	99.63	92.67	99.82	92.65	99.80	89.95	99.65
94	90.45	99.67	93.35	99.85	93.23	99.84	90.70	99.71
94.5	91.86	99.73	94.42	99.89	94.27	99.87	91.84	99.76
95	92.98	99.77	95.19	99.90	95.07	99.89	92.95	99.83
95.5	93.42	99.79	95.50	99.91	95.38	99.90	93.36	99.85
96	94.60	99.83	96.32	99.93	96.22	99.92	94.52	99.87
96.5	94.93	99.84	96.56	99.93	96.46	99.93	94.87	99.88
97	95.80	99.88	97.17	99.95	97.05	99.94	95.66	99.90
97.5	96.97	99.93	98.09	99.97	97.91	99.97	96.92	99.94
98	98.58	99.96	99.17	99.99	99.00	99.99	98.45	99.95
98.5	99.50	100.00	99.69	100.00	99.64	100.00	99.37	100.00
99	99.88	100.00	99.92	100.00	99.91	100.00	99.83	100.00
99.5	99.97	100.00	99.99	100.00	99.98	100.00	99.95	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Sex
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Male (Good)	Male (Bad)	Female (Good)	Female (Bad)
0	0.00	0.05	0.00	0.07
0.5	0.00	1.24	0.01	1.58
1	0.04	5.46	0.07	6.57
1.5	0.04	6.79	0.08	7.96
2	0.07	8.46	0.11	9.78
2.5	0.09	9.96	0.14	11.24
3	0.13	12.06	0.18	13.58
3.5	0.18	13.89	0.22	15.45
4	0.21	15.74	0.26	17.49
4.5	0.22	16.40	0.28	18.19
5	0.28	19.22	0.37	21.21
5.5	0.36	21.50	0.45	23.57
6	0.42	23.83	0.53	25.79
6.5	0.46	25.07	0.56	27.04
7	0.55	27.33	0.64	29.13
7.5	0.60	28.39	0.67	30.03
8	0.68	30.15	0.74	31.79
8.5	0.72	31.02	0.77	32.52
9	0.77	32.21	0.82	33.70
9.5	0.82	33.19	0.87	34.64
10	0.90	34.42	0.95	35.90
10.5	0.95	35.34	1.02	36.78
11	1.04	36.78	1.10	38.14
11.5	1.09	37.99	1.16	39.48
12	1.21	40.21	1.29	41.95
12.5	1.31	41.47	1.38	43.14
13	1.45	42.97	1.50	44.74
13.5	1.53	44.24	1.58	46.08
14	1.70	46.33	1.72	48.51
14.5	1.79	47.51	1.78	49.77
15	1.94	49.32	1.92	51.58
15.5	2.05	50.37	2.02	52.55
16	2.20	51.87	2.17	53.97
16.5	2.34	52.95	2.30	54.93
17	2.52	54.16	2.46	56.12
17.5	2.64	54.96	2.56	56.89
18	2.82	56.12	2.72	58.01
18.5	2.95	56.90	2.82	58.77
19	3.17	58.01	2.98	59.71
19.5	3.29	58.71	3.08	60.40
20	3.51	62.13	3.30	63.76
20.5	3.63	63.19	3.41	64.69
21	3.83	64.52	3.61	65.99
21.5	3.96	65.25	3.72	66.62
22	4.20	66.20	3.91	67.49
22.5	4.37	66.85	4.09	68.14
23	4.57	67.77	4.28	69.12
23.5	4.77	68.73	4.46	70.03
24	5.12	70.08	4.77	71.49
24.5	5.35	70.83	4.97	72.20
25	5.66	71.80	5.25	73.06
25.5	5.88	72.34	5.45	73.69
26	6.17	73.28	5.73	74.51
26.5	6.45	74.06	5.97	75.25
27	6.88	75.11	6.39	76.31
27.5	7.14	75.78	6.60	76.92
28	7.63	76.73	7.01	77.82
28.5	7.94	77.38	7.25	78.35
29	8.58	78.42	7.76	79.27
29.5	8.92	78.92	8.06	79.87
30	9.37	79.64	8.49	80.54
30.5	9.68	80.08	8.75	81.08
31	10.25	80.83	9.29	81.87
31.5	10.55	81.29	9.57	82.27
32	10.99	81.81	10.03	82.84
32.5	11.39	82.35	10.42	83.25
33	11.88	82.92	10.87	83.80
33.5	12.31	83.32	11.26	84.19
34	12.91	83.94	11.68	84.71
34.5	13.42	84.43	12.13	85.10
35	14.15	85.15	12.78	85.82
35.5	14.40	85.44	13.02	86.08
36	15.17	86.09	13.74	86.61
36.5	15.55	86.37	14.07	86.80
37	16.48	87.01	14.83	87.31
37.5	16.83	87.28	15.13	87.52
38	17.75	87.86	15.88	88.10
38.5	18.10	88.07	16.15	88.32
39	18.82	88.58	16.78	88.89
39.5	19.07	88.76	17.03	89.07
40	19.65	89.13	17.53	89.39
40.5	20.09	89.40	17.98	89.63
41	20.78	89.76	18.56	90.00
41.5	21.10	89.93	18.86	90.17
42	21.83	90.36	19.56	90.63
42.5	22.26	90.60	19.98	90.87
43	22.93	90.95	20.64	91.23
43.5	23.41	91.17	21.06	91.40
44	24.20	91.48	21.82	91.72
44.5	24.87	91.77	22.46	91.99
45	25.44	92.06	23.03	92.24
45.5	26.08	92.24	23.64	92.51
46	26.80	92.56	24.27	92.76
46.5	27.28	92.72	24.67	92.91
47	28.22	93.03	25.59	93.18
47.5	28.66	93.15	25.98	93.30
48	29.64	93.39	26.90	93.48
48.5	30.16	93.50	27.31	93.62
49	30.73	93.67	27.83	93.78
49.5	31.35	93.82	28.41	93.96
50	32.15	94.01	29.12	94.15
50.5	32.58	94.12	29.43	94.24
51	33.29	94.31	30.16	94.42
51.5	33.86	94.43	30.66	94.52
52	34.59	94.61	31.39	94.68
52.5	35.13	94.74	31.89	94.80
53	35.88	94.90	32.59	94.96
53.5	36.55	95.05	33.19	95.13
54	37.37	95.29	33.94	95.27
54.5	37.79	95.38	34.31	95.35
55	38.62	95.50	35.20	95.54
55.5	39.12	95.58	35.65	95.63
56	39.97	95.69	36.32	95.78
56.5	40.48	95.75	36.79	95.86
57	41.30	95.92	37.55	95.99
57.5	41.77	96.03	37.99	96.09
58	42.58	96.13	38.78	96.21
58.5	43.16	96.20	39.32	96.31
59	44.03	96.35	40.04	96.43
59.5	44.61	96.42	40.59	96.51
60	45.47	96.55	41.48	96.65
60.5	45.89	96.59	41.91	96.71
61	46.58	96.66	42.54	96.79
61.5	47.20	96.74	43.21	96.86
62	47.86	96.82	43.87	96.93
62.5	48.57	96.87	44.59	97.05
63	49.26	96.99	45.26	97.13
63.5	50.00	97.11	46.00	97.23
64	50.77	97.23	46.77	97.36
64.5	51.15	97.27	47.14	97.37
65	51.90	97.38	47.89	97.43
65.5	52.38	97.44	48.33	97.49
66	53.14	97.53	49.07	97.55
66.5	53.57	97.56	49.52	97.57
67	54.01	97.59	49.90	97.59
67.5	54.92	97.69	50.82	97.70
68	55.21	97.72	51.13	97.73
68.5	55.63	97.75	51.52	97.75
69	56.58	97.83	52.38	97.84
69.5	57.15	97.88	52.95	97.87
70	57.63	97.91	53.55	97.92
70.5	58.24	97.97	54.06	97.95
71	58.71	98.01	54.50	97.98
71.5	59.15	98.06	54.89	98.03
72	60.11	98.14	55.85	98.10
73	61.23	98.25	56.94	98.18
73.5	61.64	98.31	57.47	98.23
74	62.19	98.34	58.03	98.26
74.5	62.95	98.40	58.98	98.31
75	63.73	98.46	59.72	98.36
75.5	64.34	98.52	60.34	98.39
76	64.94	98.55	60.85	98.42
76.5	65.64	98.58	61.58	98.48
77	67.08	98.67	63.02	98.60
78	68.37	98.73	64.30	98.68
78.5	68.89	98.75	64.87	98.72
79	69.65	98.81	65.66	98.76
79.5	70.20	98.83	66.26	98.80
80	70.86	98.86	67.01	98.84
80.5	71.58	98.91	67.84	98.86
81	72.90	98.98	69.24	98.91
81.5	73.54	98.99	69.85	98.95
82	74.11	99.00	70.47	98.98
82.5	74.80	99.04	71.12	98.99
83	75.44	99.07	71.83	99.04
83.5	76.31	99.08	72.72	99.09
84	77.40	99.14	73.84	99.13
84.5	78.05	99.16	74.41	99.15
85	78.62	99.19	75.04	99.18
85.5	79.81	99.23	76.34	99.22
86	80.56	99.26	77.01	99.23
86.5	81.47	99.29	77.85	99.27
87	82.00	99.31	78.36	99.28
87.5	83.00	99.35	79.43	99.32
88	83.48	99.37	79.98	99.34
88.5	84.42	99.44	81.06	99.39
89	84.96	99.47	81.66	99.41
89.5	86.01	99.51	82.97	99.45
90	86.57	99.54	83.65	99.47
90.5	87.14	99.57	84.27	99.52
91	87.51	99.59	84.65	99.54
91.5	88.06	99.60	85.32	99.58
92	88.89	99.63	86.27	99.62
93	90.07	99.69	87.63	99.64
93.5	91.01	99.73	88.77	99.67
94	91.78	99.75	89.72	99.72
94.5	92.93	99.79	91.26	99.78
95	93.92	99.83	92.46	99.81
95.5	94.34	99.84	92.92	99.83
96	95.33	99.86	94.16	99.87
96.5	95.64	99.86	94.50	99.88
97	96.39	99.90	95.45	99.90
97.5	97.39	99.95	96.73	99.95
98	98.80	99.95	98.46	99.99
98.5	99.52	99.99	99.46	100.00
99	99.87	100.00	99.88	100.00
99.5	99.96	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Age (years)
Percent

Score	Younger than 30 (Good)	Younger than 30 (Bad)	30-39 (Good)	30-39 (Bad)	40-49 (Good)	40-49 (Bad)	50-61 (Good)	50-61 (Bad)	62 or older (Good)	62 or older (Bad)
0	0.00	0.05	0.00	0.04	0.00	0.09	0.00	0.06	0.00	0.04
0.5	0.02	1.17	0.00	1.78	0.00	1.66	0.01	1.34	0.00	0.54
1	0.10	6.20	0.07	7.11	0.05	6.35	0.05	5.22	0.01	3.06
1.5	0.12	7.66	0.10	8.77	0.07	7.76	0.07	6.18	0.01	3.87
2	0.17	9.51	0.13	10.81	0.12	9.56	0.08	7.70	0.02	4.79
2.5	0.19	11.06	0.19	12.53	0.14	11.13	0.10	8.97	0.03	5.61
3	0.27	13.72	0.26	14.96	0.18	13.22	0.13	10.88	0.04	6.95
3.5	0.34	15.74	0.35	17.23	0.23	15.02	0.16	12.21	0.05	8.18
4	0.38	17.73	0.41	19.77	0.28	16.77	0.20	13.96	0.06	9.19
4.5	0.39	18.57	0.43	20.63	0.30	17.40	0.20	14.40	0.06	9.52
5	0.56	21.77	0.54	24.01	0.40	20.49	0.23	16.73	0.09	11.03
5.5	0.74	23.94	0.68	27.04	0.49	23.01	0.28	18.46	0.11	12.26
6	0.82	26.45	0.80	29.54	0.55	25.32	0.34	20.55	0.15	13.56
6.5	0.88	27.78	0.86	31.15	0.59	26.39	0.37	21.60	0.17	14.32
7	1.06	29.94	1.02	34.01	0.68	28.49	0.44	23.40	0.19	15.45
7.5	1.17	31.16	1.07	35.10	0.70	29.45	0.47	24.12	0.20	16.01
8	1.32	33.01	1.17	37.01	0.79	31.40	0.53	25.50	0.24	17.27
8.5	1.37	33.77	1.21	37.91	0.85	32.24	0.55	26.28	0.24	17.81
9	1.47	34.88	1.30	39.40	0.91	33.49	0.59	27.20	0.26	18.61
9.5	1.53	35.78	1.39	40.56	0.96	34.44	0.62	28.04	0.28	19.40
10	1.64	37.10	1.53	41.90	1.06	35.73	0.69	29.26	0.29	20.13
10.5	1.75	37.96	1.62	42.84	1.13	36.69	0.72	30.12	0.31	20.89
11	1.89	39.35	1.73	44.58	1.25	37.93	0.79	31.52	0.35	21.79
11.5	1.99	40.30	1.82	45.89	1.33	39.55	0.84	32.96	0.36	22.67
12	2.18	41.64	2.01	48.45	1.47	42.42	0.95	35.81	0.40	24.80
12.5	2.34	42.45	2.19	49.50	1.55	44.04	1.02	37.26	0.45	26.16
13	2.48	43.64	2.40	50.98	1.72	45.82	1.14	39.24	0.50	27.48
13.5	2.54	44.77	2.52	52.27	1.86	47.34	1.22	40.55	0.52	28.71
14	2.71	47.27	2.77	54.34	2.04	49.58	1.37	42.93	0.57	30.85
14.5	2.79	48.54	2.92	55.52	2.14	50.83	1.44	44.11	0.60	31.94
15	3.02	50.49	3.13	57.29	2.27	52.67	1.56	46.03	0.67	33.30
15.5	3.25	51.50	3.29	58.32	2.37	53.65	1.65	47.13	0.72	34.05
16	3.43	52.86	3.53	59.77	2.55	55.23	1.76	48.55	0.80	35.66
16.5	3.65	53.98	3.71	60.69	2.73	56.26	1.87	49.59	0.86	36.61
17	3.90	55.09	3.97	61.96	2.93	57.54	2.00	50.69	0.93	37.82
17.5	4.05	55.79	4.16	62.78	3.05	58.36	2.09	51.42	0.99	38.68
18	4.28	56.97	4.42	63.91	3.25	59.61	2.22	52.48	1.07	39.58
18.5	4.44	57.61	4.55	64.67	3.44	60.34	2.32	53.39	1.11	40.60
19	4.67	58.59	4.83	65.65	3.64	61.43	2.51	54.47	1.20	41.63
19.5	4.84	59.27	5.04	66.27	3.77	62.17	2.60	55.24	1.24	42.30
20	5.20	64.82	5.39	69.53	4.01	64.84	2.76	57.67	1.34	43.91
20.5	5.37	66.06	5.60	70.48	4.12	65.87	2.84	58.45	1.40	44.70
21	5.76	67.60	5.88	71.68	4.32	67.13	3.02	59.60	1.48	46.13
21.5	5.95	68.50	6.08	72.21	4.42	67.84	3.13	60.16	1.54	46.76
22	6.24	69.48	6.37	73.10	4.73	68.69	3.32	61.14	1.63	47.61
22.5	6.42	69.94	6.67	73.76	4.93	69.50	3.46	61.82	1.72	48.30
23	6.70	70.87	6.95	74.74	5.16	70.45	3.63	62.87	1.81	49.04
23.5	6.94	71.87	7.21	75.71	5.45	71.24	3.79	63.72	1.87	50.17
24	7.51	73.66	7.69	76.99	5.79	72.58	4.07	65.01	2.04	51.30
24.5	7.86	74.49	7.99	77.63	6.01	73.24	4.23	65.82	2.15	52.07
25	8.33	75.69	8.42	78.44	6.32	74.02	4.48	66.66	2.31	53.03
25.5	8.75	76.38	8.69	79.03	6.55	74.50	4.64	67.24	2.41	53.60
26	9.28	77.30	9.11	79.83	6.86	75.31	4.87	68.37	2.52	54.31
26.5	9.80	78.00	9.48	80.54	7.11	76.14	5.11	69.30	2.61	54.90
27	10.60	78.98	10.06	81.47	7.57	77.35	5.48	70.45	2.78	55.94
27.5	10.93	79.63	10.40	82.07	7.82	77.94	5.70	71.15	2.92	56.68
28	11.83	80.49	11.10	83.01	8.31	78.90	6.03	72.05	3.07	57.68
28.5	12.43	81.15	11.42	83.47	8.60	79.50	6.27	72.67	3.18	58.31
29	13.43	82.11	12.25	84.35	9.24	80.49	6.73	73.68	3.41	59.54
29.5	14.14	82.72	12.66	84.79	9.54	81.01	6.97	74.35	3.57	60.13
30	14.85	83.28	13.33	85.38	9.97	81.80	7.39	75.14	3.76	61.03
30.5	15.29	83.66	13.76	85.84	10.28	82.28	7.65	75.82	3.87	61.66
31	16.28	84.34	14.61	86.55	10.85	83.11	8.10	76.68	4.12	62.45
31.5	16.80	84.83	15.02	86.82	11.13	83.43	8.38	77.28	4.24	63.19
32	17.64	85.26	15.56	87.26	11.66	83.92	8.73	78.00	4.48	64.17
32.5	18.28	85.62	16.12	87.61	12.10	84.35	9.04	78.76	4.67	64.86
33	19.11	86.19	16.79	88.10	12.60	84.81	9.45	79.35	4.88	65.80
33.5	19.73	86.49	17.30	88.47	13.05	85.20	9.84	79.85	5.10	66.35
34	20.65	87.03	17.95	88.89	13.56	85.86	10.28	80.41	5.39	67.25
34.5	21.64	87.47	18.62	89.27	13.97	86.34	10.71	80.84	5.59	67.77
35	22.90	88.15	19.48	89.82	14.65	87.17	11.34	81.56	5.98	68.71
35.5	23.26	88.43	19.82	90.04	14.91	87.49	11.57	81.76	6.12	69.19
36	24.61	89.02	20.76	90.57	15.77	87.97	12.21	82.54	6.45	69.88
36.5	25.08	89.21	21.21	90.77	16.17	88.19	12.52	82.89	6.66	70.15
37	26.36	89.71	22.20	91.18	17.20	88.76	13.33	83.73	7.10	70.95
37.5	27.12	89.99	22.55	91.34	17.53	88.96	13.60	83.94	7.25	71.45
38	28.79	90.51	23.61	91.76	18.38	89.56	14.26	84.71	7.66	72.25
38.5	29.26	90.71	23.99	91.91	18.72	89.79	14.56	84.99	7.86	72.54
39	30.55	91.33	24.80	92.32	19.48	90.20	15.06	85.55	8.23	73.57
39.5	30.97	91.51	25.14	92.50	19.77	90.33	15.27	85.77	8.33	73.75
40	31.95	91.84	25.87	92.76	20.37	90.67	15.75	86.21	8.53	74.19
40.5	32.79	92.10	26.40	92.95	20.84	90.91	16.20	86.52	8.73	74.61
41	33.90	92.50	27.12	93.22	21.54	91.23	16.85	86.92	9.00	75.22
41.5	34.51	92.69	27.50	93.31	21.88	91.37	17.11	87.14	9.13	75.51
42	35.77	93.12	28.46	93.64	22.63	91.77	17.76	87.69	9.47	76.27
42.5	36.43	93.32	29.02	93.82	23.06	91.99	18.20	88.03	9.68	76.64
43	37.46	93.65	29.83	94.07	23.74	92.35	18.85	88.56	10.07	77.06
43.5	38.17	93.81	30.36	94.22	24.25	92.54	19.32	88.86	10.29	77.29
44	39.81	94.19	31.30	94.44	25.00	92.85	20.01	89.21	10.64	77.65
44.5	40.89	94.40	32.07	94.61	25.69	93.14	20.67	89.65	10.99	78.11
45	41.89	94.69	32.66	94.76	26.29	93.42	21.26	89.94	11.30	78.55
45.5	42.81	94.83	33.34	94.97	26.97	93.65	21.89	90.23	11.70	79.01
46	43.69	95.04	34.09	95.15	27.70	93.89	22.63	90.64	12.11	79.66
46.5	44.28	95.16	34.56	95.23	28.22	94.00	23.10	90.96	12.37	79.91
47	45.68	95.39	35.56	95.39	29.14	94.35	23.97	91.29	13.07	80.51
47.5	46.30	95.49	35.95	95.48	29.59	94.47	24.39	91.45	13.40	80.72
48	47.63	95.74	36.89	95.62	30.60	94.66	25.35	91.66	14.11	81.08
48.5	48.41	95.84	37.35	95.72	31.03	94.77	25.84	91.84	14.43	81.23
49	49.27	95.99	37.97	95.80	31.60	94.94	26.31	92.02	14.82	81.65
49.5	50.38	96.14	38.58	95.94	32.16	95.08	26.80	92.24	15.29	81.94
50	51.65	96.32	39.41	96.07	32.89	95.23	27.45	92.52	15.87	82.21
50.5	52.25	96.43	39.75	96.10	33.21	95.34	27.84	92.66	16.17	82.40
51	53.76	96.64	40.66	96.24	33.81	95.49	28.50	92.85	16.55	82.71
51.5	54.93	96.78	41.26	96.31	34.39	95.57	28.93	92.94	16.79	83.01
52	56.28	97.00	42.19	96.41	35.18	95.68	29.50	93.17	17.18	83.30
52.5	57.31	97.10	42.88	96.51	35.74	95.77	29.90	93.28	17.43	83.63
53	58.59	97.24	43.83	96.60	36.45	95.94	30.50	93.44	17.86	84.03
53.5	59.91	97.44	44.54	96.71	37.08	96.05	31.08	93.68	18.17	84.22
54	61.40	97.64	45.46	96.84	37.88	96.17	31.78	93.93	18.60	84.62
54.5	62.17	97.67	45.96	96.93	38.31	96.26	32.13	94.06	18.76	84.78
55	63.83	97.90	46.98	97.01	39.20	96.40	32.87	94.19	19.23	84.99
55.5	64.74	97.99	47.62	97.04	39.63	96.48	33.30	94.36	19.47	85.06
56	66.04	98.07	48.45	97.15	40.36	96.62	33.94	94.50	20.05	85.35
56.5	66.81	98.14	49.02	97.19	40.93	96.71	34.35	94.56	20.36	85.50
57	68.38	98.26	49.95	97.35	41.77	96.84	34.99	94.75	20.76	85.68
57.5	69.32	98.32	50.52	97.46	42.22	96.88	35.38	94.92	20.99	85.89
58	70.71	98.46	51.55	97.54	43.06	96.96	36.08	95.09	21.40	86.04
58.5	71.52	98.52	52.28	97.62	43.73	97.02	36.61	95.24	21.66	86.12
59	72.84	98.66	53.20	97.73	44.62	97.12	37.30	95.37	22.12	86.46
59.5	73.68	98.70	53.83	97.78	45.22	97.18	37.87	95.45	22.49	86.69
60	74.90	98.78	54.93	97.89	46.06	97.34	38.70	95.57	23.13	87.02
60.5	75.81	98.85	55.43	97.92	46.43	97.41	39.07	95.61	23.38	87.02
61	77.09	98.91	56.22	97.99	47.08	97.51	39.60	95.66	23.79	87.15
61.5	78.03	98.95	56.98	98.03	47.75	97.59	40.21	95.73	24.24	87.36
62	79.00	99.00	57.85	98.10	48.50	97.63	40.79	95.83	24.60	87.59
62.5	80.31	99.08	58.69	98.18	49.18	97.71	41.45	95.90	25.05	87.80
63	81.06	99.13	59.58	98.27	49.85	97.80	42.06	96.03	25.61	88.03
63.5	82.02	99.23	60.39	98.35	50.70	97.87	42.75	96.17	26.15	88.28
64	82.90	99.28	61.34	98.51	51.52	97.94	43.54	96.30	26.71	88.64
64.5	83.47	99.32	61.82	98.54	51.83	97.95	43.90	96.34	26.97	88.64
65	84.49	99.40	62.75	98.60	52.58	98.03	44.61	96.43	27.52	88.80
65.5	85.07	99.45	63.35	98.63	53.06	98.05	45.04	96.51	27.85	89.05
66	85.80	99.51	64.23	98.65	53.89	98.16	45.84	96.57	28.41	89.22
66.5	86.38	99.54	64.60	98.68	54.36	98.19	46.29	96.60	28.80	89.24
67	86.75	99.56	65.14	98.70	54.86	98.20	46.70	96.62	29.08	89.31
67.5	87.63	99.62	66.17	98.79	55.85	98.30	47.56	96.78	29.90	89.54
68	87.93	99.63	66.55	98.80	56.16	98.31	47.87	96.84	30.14	89.62
68.5	88.26	99.64	67.10	98.82	56.62	98.31	48.25	96.90	30.48	89.70
69	89.20	99.68	68.18	98.84	57.53	98.41	49.09	97.01	31.30	89.97
69.5	89.62	99.70	69.01	98.92	58.21	98.45	49.68	97.05	31.66	90.00
70	90.13	99.72	69.61	98.97	58.82	98.48	50.23	97.08	32.12	90.14
70.5	90.75	99.73	70.26	99.01	59.42	98.51	50.79	97.14	32.56	90.29
71	91.16	99.74	70.73	99.03	59.91	98.54	51.33	97.21	32.94	90.37
71.5	91.48	99.74	71.20	99.09	60.36	98.57	51.80	97.28	33.25	90.52
72	92.17	99.75	72.30	99.16	61.44	98.62	52.87	97.45	34.06	90.69
73	92.88	99.78	73.38	99.24	62.62	98.66	54.01	97.61	35.26	91.00
73.5	93.06	99.78	73.99	99.28	63.15	98.70	54.48	97.69	35.76	91.25
74	93.43	99.78	74.69	99.31	63.75	98.73	54.97	97.72	36.32	91.36
74.5	93.93	99.79	75.52	99.36	64.47	98.78	55.69	97.77	37.61	91.63
75	94.24	99.79	75.99	99.38	65.05	98.83	56.29	97.80	39.07	91.96
75.5	94.90	99.82	76.64	99.39	65.65	98.88	56.89	97.83	39.64	92.11
76	95.15	99.84	77.29	99.44	66.14	98.90	57.60	97.87	40.19	92.17
76.5	95.42	99.84	78.18	99.47	67.13	98.94	58.30	97.94	40.80	92.30
77	96.57	99.93	79.58	99.53	68.41	98.98	59.79	98.09	42.49	92.70
78	96.93	99.94	80.68	99.55	69.75	99.03	61.18	98.17	44.20	93.09
78.5	97.13	99.94	81.08	99.59	70.34	99.04	61.79	98.26	44.90	93.14
79	97.27	99.95	81.61	99.61	71.03	99.08	62.67	98.33	46.12	93.34
79.5	97.42	99.95	82.14	99.61	71.69	99.11	63.32	98.36	46.78	93.53
80	97.61	99.95	82.87	99.64	72.41	99.15	64.02	98.42	47.74	93.64
80.5	97.80	99.95	83.49	99.66	73.10	99.18	64.80	98.44	48.94	93.85
81	98.08	99.98	84.73	99.69	74.52	99.25	66.47	98.54	50.57	93.97
81.5	98.28	99.98	85.29	99.71	75.17	99.26	67.19	98.58	51.34	94.10
82	98.41	99.98	85.75	99.71	75.73	99.28	67.89	98.59	52.17	94.22
82.5	98.48	99.98	86.35	99.73	76.38	99.29	68.71	98.62	53.06	94.35
83	98.61	99.98	86.93	99.74	77.10	99.36	69.50	98.67	53.93	94.45
83.5	98.68	99.98	87.54	99.77	77.90	99.39	70.41	98.68	55.39	94.64
84	98.85	99.98	88.64	99.78	79.06	99.43	71.75	98.80	56.70	94.89
84.5	98.89	99.99	89.16	99.80	79.73	99.44	72.47	98.81	57.48	95.00
85	98.97	100.00	89.58	99.80	80.37	99.47	73.25	98.84	58.25	95.14
85.5	99.07	100.00	90.48	99.80	81.60	99.52	74.79	98.92	60.04	95.25
86	99.12	100.00	91.07	99.82	82.29	99.53	75.69	98.97	60.98	95.31
86.5	99.21	100.00	91.82	99.84	83.31	99.54	76.78	99.05	61.98	95.44
87	99.27	100.00	92.21	99.84	83.87	99.55	77.42	99.12	62.65	95.54
87.5	99.34	100.00	92.91	99.85	85.02	99.62	78.74	99.15	64.02	95.69
88	99.40	100.00	93.29	99.85	85.52	99.63	79.40	99.18	64.73	95.79
88.5	99.46	100.00	93.87	99.90	86.60	99.70	80.67	99.26	66.19	95.98
89	99.53	100.00	94.20	99.90	87.16	99.71	81.39	99.29	67.01	96.15
89.5	99.61	100.00	94.77	99.91	88.34	99.75	82.93	99.34	68.81	96.38
90	99.64	100.00	95.09	99.93	88.86	99.78	83.66	99.38	69.88	96.46
90.5	99.66	100.00	95.38	99.93	89.41	99.80	84.38	99.42	70.88	96.74
91	99.68	100.00	95.51	99.95	89.74	99.82	84.83	99.44	71.55	96.86
91.5	99.72	100.00	95.87	99.96	90.26	99.84	85.58	99.52	72.55	96.90
92	99.75	100.00	96.33	99.97	91.24	99.86	86.60	99.59	73.93	97.07
93	99.78	100.00	96.96	99.97	92.29	99.88	87.91	99.61	76.34	97.40
93.5	99.80	100.00	97.34	99.97	92.90	99.90	88.81	99.63	78.80	97.74
94	99.84	100.00	97.62	99.97	93.40	99.90	89.53	99.68	80.85	97.99
94.5	99.88	100.00	97.97	99.97	94.02	99.90	90.59	99.71	84.33	98.51
95	99.89	100.00	98.28	99.98	94.76	99.91	91.64	99.76	86.77	98.72
95.5	99.89	100.00	98.42	99.98	95.08	99.92	92.17	99.82	87.63	98.77
96	99.91	100.00	98.75	99.99	95.89	99.94	93.32	99.84	90.00	98.97
96.5	99.93	100.00	98.84	99.99	96.14	99.95	93.71	99.85	90.63	99.00
97	99.96	100.00	99.11	99.99	96.81	99.97	94.63	99.89	92.33	99.25
97.5	99.97	100.00	99.36	100.00	97.62	99.98	95.85	99.95	94.77	99.58
98	99.99	100.00	99.78	100.00	98.88	99.99	97.92	100.00	97.65	99.73
98.5	100.00	100.00	99.93	100.00	99.48	99.99	99.08	100.00	99.34	99.98
99	100.00	100.00	99.99	100.00	99.89	100.00	99.75	100.00	99.86	100.00
99.5	100.00	100.00	100.00	100.00	99.96	100.00	99.94	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Marital status
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Married Male (Good)	Married Male (Bad)	Married Male (Good)	Married Male (Bad)	Married Female (Good)	Married Female (Bad)	Single Female (Good)	Single Female (Bad)
0	0.00	0.05	0.00	0.04	0.00	0.05	0.00	0.08
0.5	0.00	0.92	0.01	1.64	0.00	1.22	0.02	1.78
1	0.02	4.20	0.04	6.75	0.04	5.00	0.10	7.58
1.5	0.03	5.34	0.05	8.13	0.04	6.23	0.13	9.01
2	0.03	6.70	0.12	9.95	0.07	7.79	0.16	11.03
2.5	0.04	7.92	0.13	11.62	0.08	8.94	0.19	12.74
3	0.06	9.76	0.20	13.89	0.11	10.77	0.28	15.22
3.5	0.10	11.28	0.26	15.98	0.14	12.33	0.33	17.27
4	0.11	12.94	0.32	17.85	0.17	13.97	0.39	19.62
4.5	0.11	13.48	0.34	18.56	0.18	14.59	0.41	20.27
5	0.14	15.58	0.45	21.84	0.23	17.33	0.57	23.31
5.5	0.21	17.65	0.56	24.23	0.27	19.29	0.68	26.04
6	0.25	19.71	0.63	26.54	0.32	21.31	0.77	28.39
6.5	0.27	20.77	0.68	27.74	0.34	22.37	0.82	29.84
7	0.34	22.80	0.80	30.26	0.38	24.30	0.95	32.05
7.5	0.36	23.78	0.87	31.37	0.40	25.10	1.01	32.99
8	0.41	25.42	0.98	33.01	0.45	26.68	1.08	34.87
8.5	0.44	26.22	1.01	33.96	0.47	27.32	1.13	35.67
9	0.46	27.41	1.07	34.98	0.51	28.49	1.21	36.74
9.5	0.49	28.30	1.15	35.97	0.55	29.39	1.26	37.64
10	0.54	29.41	1.24	37.33	0.59	30.41	1.40	39.00
10.5	0.57	30.23	1.28	38.12	0.62	31.29	1.52	39.84
11	0.65	31.59	1.38	39.72	0.66	32.39	1.63	41.32
11.5	0.69	32.84	1.44	41.04	0.72	33.79	1.69	42.71
12	0.77	35.33	1.59	43.11	0.81	36.50	1.85	45.22
12.5	0.86	36.75	1.74	44.26	0.90	38.12	1.94	46.14
13	0.97	38.45	1.85	45.68	0.98	39.81	2.13	47.78
13.5	1.02	39.55	1.98	47.14	1.03	41.29	2.27	49.03
14	1.12	41.87	2.24	49.19	1.12	44.08	2.41	51.22
14.5	1.18	43.06	2.43	50.43	1.18	45.37	2.51	52.50
15	1.29	44.96	2.59	52.09	1.27	47.37	2.70	54.10
15.5	1.36	45.96	2.74	53.12	1.34	48.43	2.83	54.92
16	1.49	47.46	2.91	54.62	1.47	49.82	3.02	56.46
16.5	1.60	48.68	3.10	55.54	1.55	50.80	3.20	57.41
17	1.74	49.91	3.32	56.69	1.64	51.94	3.41	58.63
17.5	1.85	50.75	3.47	57.44	1.72	52.69	3.56	59.37
18	1.95	51.99	3.72	58.53	1.84	53.79	3.80	60.51
18.5	2.05	52.90	3.89	59.34	1.92	54.55	3.94	61.37
19	2.20	54.11	4.18	60.48	2.04	55.46	4.15	62.33
19.5	2.28	54.79	4.34	61.04	2.11	56.17	4.27	63.03
20	2.42	56.95	4.64	64.52	2.26	58.40	4.56	66.29
20.5	2.49	57.90	4.79	65.50	2.35	59.18	4.73	67.15
21	2.64	59.05	4.99	66.84	2.49	60.38	4.97	68.39
21.5	2.77	59.79	5.13	67.47	2.57	60.94	5.12	69.02
22	2.94	60.73	5.47	68.29	2.74	61.92	5.36	69.83
22.5	3.07	61.46	5.68	68.83	2.87	62.52	5.60	70.46
23	3.25	62.42	5.88	69.67	2.98	63.68	5.93	71.37
23.5	3.40	63.51	6.11	70.53	3.12	64.69	6.17	72.12
24	3.63	64.81	6.58	71.77	3.37	66.23	6.60	73.43
24.5	3.78	65.56	6.91	72.47	3.53	67.00	6.84	74.07
25	3.97	66.58	7.43	73.39	3.74	67.82	7.20	74.87
25.5	4.12	67.11	7.70	73.96	3.84	68.52	7.56	75.52
26	4.30	68.07	8.16	74.91	4.04	69.38	7.92	76.21
26.5	4.48	68.97	8.56	75.63	4.22	70.21	8.16	76.84
27	4.78	70.16	9.13	76.78	4.53	71.32	8.65	77.90
27.5	4.95	70.99	9.50	77.39	4.69	72.07	8.96	78.37
28	5.28	72.22	10.13	78.16	4.98	73.05	9.46	79.32
28.5	5.52	72.91	10.45	78.91	5.19	73.53	9.74	79.81
29	6.01	73.98	11.25	80.00	5.54	74.52	10.46	80.75
29.5	6.27	74.47	11.69	80.55	5.77	75.30	10.89	81.29
30	6.63	75.30	12.19	81.28	6.08	76.05	11.47	81.98
30.5	6.87	75.78	12.58	81.69	6.30	76.69	11.77	82.53
31	7.28	76.56	13.35	82.51	6.70	77.59	12.49	83.32
31.5	7.51	77.08	13.75	82.95	6.93	78.11	12.82	83.70
32	7.86	77.72	14.31	83.40	7.28	78.72	13.45	84.27
32.5	8.17	78.36	14.82	83.85	7.62	79.11	13.90	84.76
33	8.56	79.06	15.43	84.35	7.98	79.74	14.45	85.24
33.5	8.90	79.48	16.01	84.77	8.29	80.21	14.93	85.66
34	9.40	80.21	16.70	85.39	8.65	80.83	15.41	86.16
34.5	9.80	80.77	17.34	85.87	9.05	81.18	15.88	86.62
35	10.40	81.68	18.20	86.52	9.59	82.06	16.67	87.17
35.5	10.61	81.94	18.53	86.84	9.75	82.34	17.04	87.45
36	11.25	82.63	19.49	87.53	10.30	83.00	18.02	87.92
36.5	11.57	82.86	19.91	87.84	10.57	83.20	18.45	88.11
37	12.34	83.54	21.08	88.51	11.26	83.82	19.26	88.62
37.5	12.64	83.91	21.49	88.72	11.53	84.04	19.59	88.84
38	13.38	84.61	22.64	89.28	12.16	84.76	20.42	89.33
38.5	13.71	84.82	22.96	89.48	12.40	84.99	20.76	89.59
39	14.35	85.43	23.74	89.89	12.97	85.73	21.48	90.06
39.5	14.54	85.71	24.04	89.99	13.19	85.90	21.75	90.23
40	15.06	86.20	24.70	90.30	13.63	86.28	22.33	90.57
40.5	15.43	86.48	25.16	90.60	14.03	86.50	22.84	90.83
41	16.02	86.95	26.02	90.88	14.51	86.99	23.55	91.15
41.5	16.31	87.18	26.34	91.03	14.76	87.17	23.92	91.28
42	16.95	87.72	27.21	91.38	15.36	87.74	24.72	91.67
42.5	17.31	88.03	27.78	91.58	15.74	88.05	25.15	91.85
43	17.90	88.42	28.52	91.95	16.31	88.41	25.91	92.25
43.5	18.27	88.68	29.11	92.17	16.70	88.63	26.33	92.42
44	18.94	88.98	30.09	92.42	17.38	88.97	27.13	92.73
44.5	19.52	89.32	30.86	92.69	17.94	89.37	27.92	92.97
45	20.05	89.63	31.47	92.97	18.42	89.67	28.64	93.19
45.5	20.65	89.89	32.18	93.11	18.96	90.03	29.39	93.45
46	21.34	90.28	32.94	93.40	19.58	90.33	30.06	93.69
46.5	21.81	90.50	33.45	93.52	19.93	90.54	30.54	93.82
47	22.75	90.82	34.42	93.90	20.73	90.89	31.59	94.08
47.5	23.15	90.99	34.91	94.03	21.07	91.04	32.01	94.23
48	24.06	91.26	35.97	94.26	21.93	91.30	32.94	94.38
48.5	24.54	91.35	36.51	94.34	22.27	91.47	33.39	94.55
49	25.08	91.50	37.10	94.56	22.75	91.68	33.93	94.67
49.5	25.63	91.72	37.79	94.67	23.26	91.94	34.59	94.81
50	26.37	91.96	38.69	94.87	23.90	92.11	35.34	95.01
50.5	26.80	92.09	39.09	94.99	24.18	92.26	35.67	95.09
51	27.44	92.26	39.90	95.21	24.91	92.45	36.35	95.26
51.5	27.96	92.47	40.53	95.28	25.34	92.60	36.85	95.31
52	28.67	92.67	41.30	95.47	26.00	92.71	37.59	95.50
52.5	29.19	92.86	41.86	95.55	26.41	92.80	38.10	95.67
53	29.88	93.04	42.58	95.67	27.01	92.99	38.89	95.85
53.5	30.52	93.27	43.23	95.79	27.54	93.23	39.49	95.96
54	31.25	93.53	44.23	96.04	28.24	93.46	40.27	96.08
54.5	31.62	93.67	44.78	96.10	28.61	93.56	40.65	96.14
55	32.39	93.78	45.66	96.24	29.45	93.75	41.65	96.31
55.5	32.88	93.87	46.17	96.31	29.86	93.89	42.12	96.39
56	33.63	94.01	47.13	96.42	30.45	94.03	42.87	96.54
56.5	34.10	94.06	47.66	96.44	30.89	94.12	43.32	96.62
57	34.91	94.29	48.53	96.58	31.64	94.32	44.05	96.71
57.5	35.37	94.41	49.04	96.68	32.07	94.47	44.46	96.77
58	36.12	94.55	49.80	96.73	32.86	94.62	45.21	96.88
58.5	36.69	94.69	50.41	96.75	33.39	94.77	45.73	96.93
59	37.53	94.83	51.36	96.93	34.03	94.96	46.52	97.02
59.5	38.11	94.91	51.92	96.98	34.51	95.07	47.13	97.07
60	39.00	95.13	52.73	97.04	35.38	95.21	47.95	97.23
60.5	39.41	95.17	53.12	97.06	35.75	95.28	48.38	97.31
61	40.07	95.28	53.85	97.11	36.39	95.34	48.97	97.37
61.5	40.66	95.38	54.48	97.15	37.05	95.47	49.58	97.39
62	41.33	95.48	55.07	97.21	37.69	95.57	50.30	97.47
62.5	42.01	95.55	55.74	97.25	38.39	95.68	50.95	97.58
63	42.66	95.71	56.44	97.35	39.03	95.80	51.64	97.66
63.5	43.44	95.84	57.16	97.45	39.76	95.95	52.36	97.73
64	44.21	96.00	57.87	97.52	40.53	96.16	53.10	97.82
64.5	44.58	96.06	58.30	97.54	40.89	96.16	53.45	97.84
65	45.35	96.19	59.06	97.63	41.69	96.25	54.12	97.90
65.5	45.86	96.25	59.52	97.67	42.15	96.30	54.50	97.94
66	46.59	96.40	60.41	97.74	42.93	96.38	55.18	98.00
66.5	47.03	96.43	60.83	97.78	43.38	96.40	55.61	98.01
67	47.49	96.47	61.19	97.81	43.81	96.40	55.94	98.04
67.5	48.43	96.58	61.98	97.93	44.73	96.55	56.78	98.15
68	48.72	96.62	62.32	97.96	45.03	96.58	57.11	98.17
68.5	49.16	96.67	62.66	97.97	45.44	96.62	57.47	98.19
69	50.20	96.78	63.45	98.03	46.32	96.77	58.33	98.25
69.5	50.78	96.83	63.98	98.09	46.93	96.80	58.87	98.28
70	51.28	96.88	64.46	98.11	47.52	96.86	59.42	98.32
70.5	51.92	96.98	64.95	98.13	48.06	96.89	59.95	98.35
71	52.40	97.04	65.48	98.16	48.52	96.92	60.36	98.37
71.5	52.89	97.09	65.86	98.23	48.93	96.97	60.70	98.43
72	53.96	97.24	66.62	98.29	49.98	97.03	61.53	98.52
73	55.17	97.37	67.74	98.42	51.12	97.14	62.55	98.60
73.5	55.62	97.43	68.11	98.50	51.68	97.20	63.08	98.67
74	56.23	97.51	68.54	98.51	52.28	97.24	63.55	98.70
74.5	57.03	97.60	69.34	98.57	53.27	97.31	64.48	98.74
75	57.87	97.65	70.06	98.64	53.99	97.39	65.29	98.76
75.5	58.53	97.69	70.58	98.72	54.62	97.44	65.83	98.78
76	59.19	97.73	71.12	98.76	55.21	97.48	66.23	98.81
76.5	59.99	97.77	71.73	98.79	56.06	97.57	66.78	98.85
77	61.48	97.92	73.17	98.84	57.52	97.73	68.23	98.93
78	62.93	97.99	74.25	98.92	58.92	97.87	69.37	99.00
78.5	63.54	98.02	74.62	98.94	59.56	97.94	69.79	99.04
79	64.40	98.07	75.19	99.00	60.44	97.97	70.58	99.11
79.5	65.02	98.11	75.66	99.01	61.12	98.04	71.07	99.11
80	65.76	98.16	76.34	99.03	61.92	98.12	71.83	99.12
80.5	66.55	98.25	76.99	99.05	62.81	98.16	72.58	99.13
81	68.04	98.34	78.18	99.11	64.36	98.25	73.82	99.14
81.5	68.78	98.34	78.69	99.12	65.04	98.33	74.37	99.16
82	69.46	98.37	79.16	99.13	65.71	98.36	74.99	99.18
82.5	70.22	98.39	79.77	99.17	66.42	98.38	75.59	99.19
83	70.91	98.45	80.27	99.19	67.21	98.46	76.25	99.23
83.5	71.88	98.48	81.06	99.19	68.16	98.54	77.14	99.25
84	73.16	98.62	81.91	99.21	69.49	98.64	78.03	99.28
84.5	73.93	98.66	82.45	99.22	70.16	98.69	78.46	99.28
85	74.62	98.69	82.89	99.27	70.90	98.76	78.94	99.28
85.5	76.01	98.73	83.75	99.32	72.39	98.82	80.03	99.31
86	76.92	98.80	84.26	99.32	73.21	98.84	80.54	99.32
86.5	77.98	98.85	84.99	99.34	74.19	98.89	81.22	99.37
87	78.65	98.89	85.40	99.37	74.81	98.91	81.61	99.40
87.5	79.82	98.95	86.17	99.40	76.07	98.98	82.47	99.43
88	80.42	98.97	86.50	99.42	76.67	99.02	83.00	99.44
88.5	81.57	99.11	87.25	99.48	77.95	99.11	83.91	99.48
89	82.21	99.14	87.63	99.51	78.64	99.13	84.42	99.51
89.5	83.47	99.23	88.52	99.54	80.11	99.17	85.61	99.54
90	84.15	99.28	88.89	99.58	80.91	99.21	86.18	99.56
90.5	84.84	99.32	89.32	99.61	81.66	99.28	86.69	99.60
91	85.31	99.37	89.62	99.62	82.09	99.32	87.05	99.61
91.5	85.96	99.38	90.06	99.64	82.87	99.39	87.66	99.66
92	86.93	99.41	90.70	99.69	84.00	99.45	88.43	99.70
93	88.25	99.51	91.78	99.73	85.57	99.47	89.62	99.73
93.5	89.36	99.56	92.57	99.77	86.81	99.54	90.75	99.75
94	90.20	99.58	93.29	99.79	87.87	99.59	91.65	99.79
94.5	91.51	99.68	94.37	99.80	89.60	99.69	93.05	99.82
95	92.71	99.73	95.16	99.83	90.96	99.72	94.17	99.83
95.5	93.22	99.75	95.51	99.84	91.53	99.75	94.48	99.85
96	94.47	99.78	96.21	99.88	93.00	99.80	95.45	99.88
96.5	94.82	99.79	96.48	99.88	93.42	99.82	95.71	99.89
97	95.72	99.85	97.09	99.91	94.54	99.86	96.48	99.91
97.5	96.86	99.91	97.94	99.96	96.03	99.94	97.62	99.94
98	98.55	99.93	99.06	99.96	98.12	99.99	98.90	99.99
98.5	99.41	99.99	99.62	99.99	99.30	100.00	99.68	100.00
99	99.86	100.00	99.88	100.00	99.84	100.00	99.95	100.00
99.5	99.96	100.00	99.96	100.00	99.97	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Income ratio of tract
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Low (Good)	Low (Bad)	Moderate (Good)	Moderate (Bad)	Middle (Good)	Middle (Bad)	High (Good))	High (Bad)
0	0.00	0.09	0.00	0.07	0.00	0.06	0.00	0.02
0.5	0.11	1.82	0.01	1.61	0.00	1.33	0.00	1.14
1	0.22	8.14	0.11	6.80	0.05	5.55	0.02	4.86
1.5	0.29	10.07	0.13	8.26	0.06	6.88	0.03	5.80
2	0.32	11.57	0.19	10.35	0.08	8.53	0.04	7.31
2.5	0.40	13.65	0.22	11.96	0.10	9.91	0.06	8.53
3	0.47	16.42	0.32	14.44	0.14	12.00	0.08	10.22
3.5	0.54	18.75	0.37	16.48	0.18	13.70	0.11	11.82
4	0.65	21.29	0.43	18.49	0.22	15.53	0.13	13.51
4.5	0.72	22.27	0.45	19.23	0.23	16.12	0.13	14.06
5	0.83	25.62	0.53	22.37	0.31	18.98	0.17	16.47
5.5	0.86	28.22	0.67	24.93	0.39	21.19	0.22	18.24
6	1.01	30.96	0.76	27.29	0.47	23.46	0.25	20.16
6.5	1.08	32.26	0.83	28.72	0.51	24.62	0.26	21.24
7	1.33	34.51	0.98	30.86	0.60	26.82	0.30	23.01
7.5	1.44	35.63	1.05	31.94	0.63	27.80	0.31	23.76
8	1.47	37.74	1.20	33.82	0.70	29.55	0.36	25.03
8.5	1.51	38.57	1.26	34.70	0.73	30.37	0.38	25.59
9	1.55	39.87	1.33	35.92	0.78	31.54	0.40	26.60
9.5	1.69	40.88	1.42	36.97	0.82	32.48	0.42	27.44
10	1.73	42.27	1.56	38.27	0.90	33.72	0.46	28.47
10.5	1.87	43.10	1.66	39.18	0.96	34.55	0.48	29.38
11	2.08	44.86	1.78	40.65	1.05	35.96	0.53	30.50
11.5	2.12	45.99	1.85	41.98	1.11	37.14	0.56	31.95
12	2.44	47.89	2.00	44.21	1.24	39.40	0.65	34.64
12.5	2.62	49.13	2.12	45.41	1.35	40.60	0.69	35.90
13	2.88	50.52	2.36	46.85	1.45	42.17	0.77	37.48
13.5	2.98	51.47	2.49	48.11	1.53	43.44	0.82	38.97
14	3.27	53.17	2.79	50.39	1.68	45.73	0.89	41.14
14.5	3.41	54.50	2.93	51.50	1.75	46.97	0.93	42.28
15	3.74	56.17	3.11	53.27	1.88	48.77	1.03	44.16
15.5	3.99	56.90	3.26	54.19	2.00	49.83	1.08	45.17
16	4.35	58.17	3.51	55.60	2.14	51.30	1.16	46.69
16.5	4.57	58.77	3.75	56.73	2.27	52.24	1.24	47.78
17	4.92	60.21	3.99	57.79	2.44	53.49	1.33	49.02
17.5	5.18	61.25	4.15	58.60	2.54	54.24	1.40	49.68
18	5.32	62.44	4.37	59.64	2.71	55.43	1.52	50.84
18.5	5.57	63.13	4.55	60.30	2.81	56.26	1.60	51.61
19	5.79	64.08	4.82	61.29	2.99	57.30	1.75	52.56
19.5	6.11	64.66	4.97	61.98	3.10	58.00	1.82	53.33
20	6.51	70.72	5.26	66.11	3.34	61.27	1.97	55.90
20.5	6.69	72.07	5.44	67.32	3.45	62.29	2.06	56.74
21	7.01	73.49	5.73	68.88	3.65	63.51	2.19	58.06
21.5	7.15	74.18	5.91	69.62	3.78	64.23	2.28	58.64
22	7.62	74.96	6.26	70.54	3.98	65.15	2.41	59.72
22.5	7.98	75.68	6.49	71.16	4.15	65.86	2.53	60.20
23	8.48	76.72	6.76	72.00	4.35	66.83	2.65	61.22
23.5	8.73	77.41	7.02	72.82	4.54	67.80	2.79	62.12
24	9.42	78.62	7.58	74.15	4.86	69.27	2.98	63.46
24.5	9.99	79.23	7.88	74.82	5.06	70.08	3.12	64.14
25	10.78	80.01	8.33	75.83	5.34	71.01	3.30	64.88
25.5	11.29	80.50	8.67	76.52	5.53	71.57	3.44	65.39
26	11.86	81.42	9.14	77.38	5.80	72.44	3.63	66.18
26.5	12.33	82.00	9.52	78.13	6.05	73.23	3.82	67.02
27	13.19	82.63	10.12	79.20	6.45	74.27	4.13	68.19
27.5	13.87	83.06	10.54	79.84	6.67	74.94	4.28	68.81
28	14.59	83.90	11.17	80.59	7.12	75.97	4.58	69.65
28.5	15.13	84.33	11.55	81.11	7.39	76.61	4.76	70.33
29	15.67	85.05	12.43	81.93	7.96	77.66	5.14	71.38
29.5	16.28	85.26	12.82	82.43	8.29	78.27	5.38	72.01
30	17.18	85.83	13.40	83.01	8.75	79.05	5.68	72.77
30.5	17.69	86.24	13.76	83.38	9.04	79.55	5.88	73.40
31	18.98	86.87	14.45	84.16	9.57	80.29	6.31	74.27
31.5	19.19	87.25	14.87	84.58	9.86	80.70	6.54	74.79
32	19.70	87.77	15.56	85.16	10.28	81.22	6.91	75.50
32.5	20.38	88.11	16.12	85.63	10.66	81.71	7.20	76.00
33	20.78	88.66	16.71	86.15	11.13	82.30	7.57	76.61
33.5	21.46	89.07	17.28	86.55	11.53	82.70	7.87	77.11
34	22.11	89.50	17.92	87.02	12.06	83.32	8.25	77.85
34.5	22.79	89.93	18.61	87.36	12.48	83.74	8.65	78.40
35	23.69	90.31	19.41	87.93	13.17	84.51	9.26	79.22
35.5	24.16	90.51	19.69	88.16	13.41	84.78	9.47	79.62
36	25.13	90.91	20.64	88.70	14.17	85.38	10.04	80.38
36.5	25.56	91.14	21.13	88.92	14.51	85.63	10.31	80.66
37	26.71	91.78	22.09	89.44	15.36	86.30	11.00	81.20
37.5	27.10	91.92	22.42	89.68	15.70	86.58	11.27	81.41
38	28.40	92.24	23.45	90.22	16.49	87.19	11.97	82.13
38.5	28.83	92.33	23.80	90.41	16.76	87.41	12.29	82.47
39	29.51	92.76	24.57	90.80	17.43	88.01	12.89	83.19
39.5	29.83	92.84	24.89	90.96	17.66	88.20	13.11	83.42
40	30.88	93.02	25.56	91.30	18.19	88.55	13.57	83.89
40.5	31.45	93.36	26.11	91.47	18.63	88.80	13.96	84.31
41	32.35	93.65	26.93	91.77	19.22	89.22	14.52	84.73
41.5	32.67	93.91	27.24	91.90	19.52	89.39	14.80	84.90
42	33.47	94.17	28.11	92.27	20.25	89.84	15.39	85.53
42.5	34.04	94.37	28.65	92.47	20.67	90.10	15.76	85.87
43	35.19	94.58	29.46	92.72	21.30	90.53	16.38	86.24
43.5	35.80	94.72	30.00	92.90	21.72	90.72	16.80	86.50
44	36.92	94.98	30.89	93.20	22.47	91.02	17.54	86.97
44.5	37.63	95.07	31.61	93.41	23.13	91.37	18.13	87.31
45	38.35	95.38	32.29	93.61	23.70	91.66	18.64	87.61
45.5	38.82	95.50	32.97	93.81	24.36	91.88	19.19	88.01
46	40.01	95.70	33.69	94.06	25.01	92.21	19.84	88.33
46.5	40.58	95.76	34.14	94.18	25.45	92.37	20.26	88.56
47	41.95	95.96	35.15	94.44	26.36	92.66	21.17	88.94
47.5	42.42	96.02	35.69	94.58	26.74	92.79	21.58	89.12
48	43.78	96.16	36.61	94.77	27.71	93.03	22.50	89.45
48.5	44.11	96.22	37.10	94.88	28.17	93.17	22.98	89.60
49	44.61	96.42	37.67	95.04	28.73	93.33	23.50	89.79
49.5	45.08	96.48	38.39	95.16	29.38	93.52	24.01	90.04
50	45.79	96.62	39.35	95.30	30.14	93.71	24.77	90.32
50.5	46.19	96.71	39.75	95.32	30.52	93.83	25.15	90.49
51	47.09	96.80	40.58	95.47	31.28	94.05	25.83	90.63
51.5	47.70	96.86	41.19	95.57	31.81	94.17	26.35	90.81
52	48.63	96.91	41.97	95.72	32.54	94.35	27.04	91.05
52.5	49.46	97.09	42.47	95.84	33.05	94.49	27.59	91.16
53	50.29	97.17	43.24	96.00	33.77	94.65	28.29	91.40
53.5	51.19	97.23	43.93	96.19	34.42	94.83	28.91	91.60
54	52.19	97.49	44.81	96.32	35.22	95.04	29.65	91.89
54.5	52.55	97.52	45.22	96.44	35.61	95.12	30.06	92.03
55	53.59	97.63	46.17	96.63	36.46	95.28	30.95	92.26
55.5	54.39	97.72	46.70	96.69	36.95	95.35	31.40	92.45
56	55.46	97.81	47.48	96.79	37.77	95.49	32.12	92.66
56.5	56.25	97.84	47.90	96.86	38.29	95.58	32.61	92.74
57	56.94	97.92	48.80	96.97	39.11	95.73	33.43	93.04
57.5	57.51	97.95	49.28	97.07	39.56	95.81	33.93	93.27
58	58.41	98.01	49.97	97.19	40.43	95.92	34.69	93.48
58.5	59.06	98.10	50.56	97.24	40.97	96.02	35.26	93.59
59	59.96	98.18	51.41	97.35	41.74	96.15	36.08	93.86
59.5	60.57	98.21	51.98	97.40	42.33	96.23	36.63	93.96
60	61.65	98.30	52.87	97.49	43.24	96.37	37.53	94.20
60.5	62.19	98.30	53.37	97.51	43.67	96.44	37.91	94.26
61	62.98	98.41	54.08	97.60	44.33	96.52	38.58	94.35
61.5	63.70	98.44	54.74	97.69	45.01	96.62	39.23	94.40
62	64.20	98.64	55.37	97.74	45.65	96.69	39.94	94.49
62.5	64.88	98.70	56.07	97.84	46.40	96.78	40.64	94.61
63	65.71	98.73	56.73	97.90	47.09	96.88	41.34	94.81
63.5	66.36	98.76	57.64	97.98	47.84	97.01	42.21	95.01
64	67.11	98.82	58.39	98.16	48.64	97.13	43.07	95.23
64.5	67.36	98.87	58.72	98.18	49.05	97.14	43.47	95.32
65	68.19	98.93	59.56	98.24	49.84	97.27	44.35	95.43
65.5	68.58	98.99	60.07	98.28	50.30	97.34	44.87	95.50
66	69.27	99.02	60.80	98.32	51.09	97.40	45.72	95.72
66.5	70.02	99.02	61.46	98.34	51.77	97.44	46.33	95.75
67	70.24	99.02	61.89	98.36	52.23	97.47	46.78	95.82
67.5	71.32	99.08	62.88	98.42	53.31	97.61	47.77	96.03
68	71.71	99.11	63.22	98.43	53.63	97.64	48.11	96.08
68.5	72.11	99.13	63.54	98.45	54.06	97.67	48.58	96.10
69	72.93	99.16	64.47	98.51	55.13	97.79	49.63	96.24
69.5	73.58	99.22	64.88	98.55	55.66	97.82	50.34	96.29
70	74.05	99.28	65.48	98.60	56.25	97.85	50.90	96.40
70.5	74.77	99.31	66.00	98.63	56.84	97.90	51.47	96.44
71	75.13	99.31	66.40	98.67	57.32	97.95	51.96	96.47
71.5	75.49	99.37	66.80	98.71	57.73	98.01	52.48	96.50
72	76.42	99.39	67.68	98.75	58.70	98.08	53.58	96.65
73	77.50	99.39	68.62	98.78	59.82	98.20	54.78	96.83
73.5	77.89	99.45	69.07	98.82	60.34	98.25	55.26	96.92
74	78.32	99.45	69.57	98.85	60.90	98.29	55.88	96.98
74.5	79.04	99.48	70.51	98.90	61.91	98.33	56.89	97.08
75	80.09	99.51	71.44	98.95	62.87	98.40	57.73	97.13
75.5	80.70	99.51	71.93	98.98	63.49	98.45	58.36	97.17
76	81.06	99.54	72.29	99.02	64.05	98.47	58.98	97.24
76.5	81.56	99.54	72.83	99.05	64.71	98.51	59.81	97.30
77	83.14	99.62	74.18	99.14	66.16	98.59	61.36	97.55
78	84.11	99.65	75.37	99.20	67.40	98.69	62.81	97.61
78.5	84.36	99.71	75.75	99.22	67.96	98.72	63.36	97.64
79	84.80	99.74	76.41	99.24	68.78	98.77	64.16	97.73
79.5	85.15	99.74	76.82	99.27	69.37	98.80	64.72	97.75
80	85.66	99.74	77.35	99.31	70.08	98.82	65.50	97.85
80.5	86.16	99.74	78.08	99.35	70.90	98.86	66.36	97.94
81	86.88	99.74	79.08	99.40	72.25	98.91	67.74	98.08
81.5	87.17	99.80	79.47	99.44	72.90	98.94	68.38	98.08
82	87.56	99.80	79.92	99.44	73.48	98.97	69.00	98.12
82.5	88.07	99.80	80.46	99.45	74.14	98.98	69.67	98.18
83	88.39	99.80	80.97	99.48	74.82	99.01	70.36	98.28
83.5	88.71	99.80	81.64	99.50	75.75	99.04	71.30	98.38
84	89.32	99.80	82.44	99.54	76.82	99.09	72.46	98.49
84.5	89.65	99.80	82.92	99.56	77.40	99.10	73.09	98.52
85	90.01	99.80	83.43	99.57	77.97	99.14	73.72	98.56
85.5	90.51	99.83	84.39	99.60	79.16	99.17	75.12	98.62
86	90.65	99.83	84.88	99.62	79.84	99.19	75.90	98.66
86.5	91.05	99.83	85.47	99.63	80.66	99.23	76.89	98.71
87	91.12	99.83	85.81	99.63	81.15	99.26	77.49	98.76
87.5	91.52	99.86	86.50	99.67	82.08	99.27	78.69	98.84
88	91.73	99.86	86.79	99.69	82.55	99.29	79.32	98.86
88.5	92.06	99.88	87.48	99.72	83.49	99.35	80.50	98.97
89	92.24	99.91	87.80	99.72	84.00	99.38	81.20	99.00
89.5	92.60	99.91	88.60	99.74	85.14	99.42	82.50	99.09
90	92.85	99.94	88.98	99.75	85.72	99.45	83.23	99.12
90.5	92.99	99.94	89.36	99.77	86.24	99.48	83.97	99.19
91	93.13	99.94	89.63	99.79	86.57	99.50	84.41	99.25
91.5	93.28	99.94	90.06	99.79	87.15	99.52	85.09	99.30
92	93.60	99.94	90.66	99.80	87.95	99.56	86.15	99.37
93	94.18	99.94	91.53	99.81	89.15	99.59	87.53	99.49
93.5	95.04	99.94	92.36	99.81	90.19	99.65	88.56	99.53
94	95.65	99.94	93.07	99.85	91.05	99.68	89.45	99.58
94.5	96.37	99.97	94.32	99.89	92.46	99.74	90.75	99.67
95	96.80	99.97	95.16	99.90	93.51	99.77	91.98	99.73
95.5	97.12	99.97	95.40	99.92	93.91	99.79	92.53	99.74
96	97.74	100.00	96.24	99.93	94.97	99.83	93.90	99.79
96.5	97.84	100.00	96.45	99.93	95.31	99.84	94.25	99.80
97	98.42	100.00	97.01	99.96	96.12	99.87	95.23	99.84
97.5	98.99	100.00	97.99	99.99	97.25	99.93	96.45	99.90
98	99.57	100.00	99.05	99.99	98.69	99.96	98.36	99.95
98.5	99.93	100.00	99.72	100.00	99.56	99.99	99.34	100.00
99	99.96	100.00	99.95	100.00	99.90	100.00	99.83	100.00
99.5	100.00	100.00	99.99	100.00	99.98	100.00	99.95	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Return to figure

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)

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

As shown in the figure, curves encompassed by the ellipses are the data for goods and bads respectively.

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)
Race or ethnicity (SSA data)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.11	0.02	0.23	0.00	0.00	0.00	0.00
0.5	0.03	1.72	0.19	2.17	0.02	1.75	0.00	0.62
1	0.17	6.72	1.74	10.11	0.30	6.79	0.06	5.47
1.5	0.20	8.28	2.01	11.91	0.40	8.18	0.06	6.68
2	0.29	10.00	2.34	14.46	0.51	10.69	0.12	7.90
2.5	0.37	11.59	2.84	16.86	0.71	12.05	0.16	8.01
3	0.49	13.43	3.63	20.15	0.94	13.76	0.22	9.26
3.5	0.58	15.19	4.15	22.32	1.17	15.02	0.22	12.26
4	0.68	16.50	4.79	24.49	1.41	17.83	0.28	14.04
4.5	0.72	17.06	5.02	25.39	1.55	18.46	0.31	14.63
5	0.88	19.72	5.97	29.82	1.80	21.94	0.40	17.08
5.5	1.01	21.89	7.15	32.75	2.21	24.07	0.52	19.67
6	1.15	24.26	7.84	35.82	2.42	25.88	0.55	21.58
6.5	1.24	25.33	8.31	37.25	2.57	26.78	0.59	22.78
7	1.41	27.17	8.86	39.66	2.96	28.59	0.65	23.47
7.5	1.48	28.16	9.27	40.84	3.14	29.07	0.69	25.90
8	1.62	30.37	9.94	42.78	3.37	30.50	0.84	27.12
8.5	1.71	31.04	10.08	43.76	3.70	30.83	0.85	27.76
9	1.82	31.99	10.50	45.03	3.91	31.60	0.91	28.42
9.5	1.91	32.92	10.87	46.13	4.08	32.89	1.03	28.42
10	2.06	34.04	11.49	47.70	4.22	34.24	1.16	28.43
10.5	2.15	34.84	12.03	48.49	4.37	35.11	1.16	28.45
11	2.30	35.94	12.53	49.61	4.57	36.19	1.25	29.07
11.5	2.44	37.52	13.29	51.04	4.71	37.74	1.30	29.11
12	2.75	39.53	14.60	53.77	5.23	40.93	1.54	32.11
12.5	2.94	40.61	15.53	55.11	5.49	41.57	1.73	34.83
13	3.24	42.08	16.60	56.53	5.96	42.23	1.91	36.07
13.5	3.43	43.58	17.47	57.50	6.28	43.66	2.04	38.03
14	3.74	45.92	18.59	59.38	6.81	46.20	2.28	41.19
14.5	3.89	47.19	19.52	60.13	7.13	47.75	2.41	41.19
15	4.17	48.57	20.71	61.54	7.62	49.35	2.56	41.22
15.5	4.36	49.35	21.22	62.51	7.91	50.08	2.75	41.26
16	4.64	50.95	22.09	63.78	8.43	50.98	2.89	41.87
16.5	4.89	51.71	22.73	64.76	9.09	52.26	3.08	42.67
17	5.18	52.38	23.55	65.87	9.57	53.38	3.22	42.69
17.5	5.37	52.97	24.31	67.07	9.96	54.17	3.44	44.47
18	5.64	53.67	25.24	68.11	10.49	55.63	3.72	45.08
18.5	5.86	54.19	25.94	68.64	10.86	56.09	3.84	45.19
19	6.17	54.83	26.62	69.46	11.31	56.73	4.12	45.20
19.5	6.39	55.16	27.25	69.76	11.54	57.25	4.37	45.23
20	6.73	56.97	28.39	72.83	12.11	59.39	4.64	45.91
20.5	6.90	57.75	29.00	73.28	12.55	60.31	4.89	46.51
21	7.16	58.88	29.74	74.62	13.23	61.59	5.13	47.11
21.5	7.34	59.40	30.21	75.59	13.49	61.78	5.28	48.31
22	7.63	60.07	31.12	76.45	13.87	62.49	5.55	49.50
22.5	7.87	60.44	31.69	77.58	14.32	63.41	5.71	49.71
23	8.19	61.26	32.85	78.48	15.16	64.34	5.96	49.71
23.5	8.45	62.31	33.64	79.59	15.89	65.62	6.15	49.72
24	9.01	63.94	34.88	80.26	16.84	67.35	6.49	50.34
24.5	9.36	64.82	35.50	80.71	17.68	67.36	6.68	51.53
25	9.80	65.92	36.50	81.84	18.49	68.89	6.95	53.36
25.5	10.09	66.73	37.39	82.29	18.98	69.83	7.14	53.98
26	10.51	67.60	38.39	83.26	19.99	70.93	7.43	55.81
26.5	10.88	68.64	39.24	83.79	20.68	72.25	7.98	55.88
27	11.55	69.73	40.53	84.83	21.76	73.07	8.42	58.85
27.5	11.87	70.47	41.40	85.79	22.48	74.04	8.65	58.85
28	12.55	71.44	42.61	86.28	23.55	75.31	9.17	60.63
28.5	12.92	72.20	43.49	86.75	24.42	76.26	9.68	61.82
29	13.70	73.40	44.63	87.50	25.41	77.50	10.34	62.43
29.5	14.21	74.17	45.18	87.72	25.97	77.68	10.64	64.25
30	14.81	75.12	46.22	88.24	27.00	78.39	11.31	65.61
30.5	15.18	75.58	47.03	88.70	27.63	78.70	11.79	65.62
31	15.90	76.73	48.16	89.45	28.75	79.38	12.67	67.53
31.5	16.36	77.12	48.66	90.20	29.45	79.97	13.14	67.57
32	16.95	77.83	49.56	90.79	30.34	80.76	13.57	68.17
32.5	17.49	78.42	50.35	91.16	31.36	80.93	14.17	69.96
33	18.15	79.16	51.14	91.54	32.27	81.42	14.88	71.16
33.5	18.60	79.72	51.95	92.06	32.91	81.74	15.26	72.37
34	19.29	80.53	52.88	92.66	33.92	82.65	15.90	72.97
34.5	19.89	81.14	53.79	92.96	34.81	83.27	16.50	74.64
35	20.80	81.77	55.21	93.34	36.16	84.06	17.27	75.24
35.5	21.07	82.19	55.71	93.64	36.79	84.21	17.69	75.84
36	22.05	82.94	57.05	94.09	37.96	85.45	18.66	76.44
36.5	22.43	83.25	57.48	94.16	38.48	85.45	18.91	76.44
37	23.50	83.82	58.89	94.54	40.22	86.23	20.15	77.63
37.5	23.95	84.35	59.36	94.54	40.73	86.39	20.34	79.41
38	24.97	85.02	60.94	94.99	42.17	87.47	21.36	80.06
38.5	25.37	85.26	61.49	94.99	42.74	87.63	21.68	80.66
39	26.21	86.16	62.33	95.29	44.04	88.05	22.77	80.68
39.5	26.49	86.44	62.72	95.37	44.50	88.05	23.07	81.27
40	27.18	86.87	63.45	95.59	45.20	88.63	23.81	81.30
40.5	27.72	87.19	64.33	96.04	45.87	88.63	24.30	82.39
41	28.46	87.68	65.34	96.26	46.91	89.13	25.43	82.44
41.5	28.81	87.86	65.71	96.34	47.48	89.28	25.83	82.44
42	29.67	88.52	66.74	96.78	48.57	89.46	26.79	82.45
42.5	30.18	89.02	67.49	96.85	49.33	90.24	27.36	84.23
43	31.01	89.58	68.49	96.85	50.49	90.41	28.19	85.42
43.5	31.58	89.82	69.06	96.93	51.30	90.57	28.84	86.01
44	32.49	90.14	70.02	97.16	52.56	91.01	29.84	86.03
44.5	33.26	90.63	70.64	97.23	53.49	91.48	30.52	86.62
45	33.91	91.13	71.29	97.31	54.36	91.65	31.39	87.23
45.5	34.63	91.37	72.19	97.38	55.33	91.65	32.26	87.24
46	35.37	91.83	72.96	97.38	56.32	91.80	33.01	88.42
46.5	35.87	92.08	73.29	97.53	56.91	92.27	33.66	88.42
47	36.89	92.33	74.25	97.76	58.18	92.88	35.06	89.56
47.5	37.33	92.44	74.72	97.83	58.58	93.04	35.59	89.56
48	38.32	92.75	75.25	97.90	59.31	93.98	36.78	90.16
48.5	38.80	92.93	75.69	97.90	59.84	94.13	37.29	90.16
49	39.37	93.07	76.06	98.05	60.55	94.44	37.88	90.16
49.5	39.98	93.28	76.54	98.05	61.24	94.45	38.69	90.16
50	40.75	93.46	76.98	98.13	62.07	94.61	39.78	90.16
50.5	41.16	93.49	77.27	98.20	62.54	94.61	40.22	90.16
51	41.95	93.75	77.85	98.20	63.41	94.93	41.44	90.49
51.5	42.63	93.93	78.11	98.28	64.04	95.08	42.04	91.08
52	43.46	94.14	78.57	98.28	64.89	96.01	43.06	91.09
52.5	44.04	94.21	78.99	98.28	65.52	96.01	43.89	91.09
53	44.83	94.50	79.47	98.35	66.32	96.01	45.15	91.09
53.5	45.55	94.70	80.09	98.43	67.01	96.17	46.22	92.27
54	46.45	94.99	80.36	98.58	67.86	96.32	47.44	94.05
54.5	46.94	95.09	80.68	98.65	68.26	96.32	48.11	94.64
55	47.94	95.22	81.54	98.95	69.12	96.80	49.20	94.69
55.5	48.42	95.46	81.97	98.95	69.65	96.99	49.66	94.75
56	49.15	95.60	82.42	98.95	70.21	96.99	50.49	94.75
56.5	49.68	95.70	82.92	98.95	70.90	96.99	51.25	94.75
57	50.55	95.84	83.28	99.10	71.82	96.99	52.40	94.76
57.5	51.04	95.94	83.49	99.10	72.18	97.16	53.08	95.42
58	51.95	96.08	83.85	99.18	73.04	97.16	53.88	95.42
58.5	52.58	96.15	84.17	99.18	73.62	97.16	54.59	95.42
59	53.42	96.33	84.67	99.25	74.30	97.48	55.41	96.01
59.5	54.01	96.40	84.99	99.25	74.93	97.48	56.17	96.01
60	54.89	96.43	85.52	99.33	75.46	97.95	57.36	96.01
60.5	55.30	96.43	85.64	99.40	75.93	97.95	58.03	96.01
61	55.99	96.57	85.99	99.48	76.48	98.11	58.72	96.61
61.5	56.64	96.71	86.38	99.48	76.96	98.11	59.54	96.61
62	57.32	96.75	86.87	99.48	77.48	98.11	60.31	96.61
62.5	58.02	96.86	87.21	99.63	78.10	98.11	61.60	97.20
63	58.65	96.96	87.55	99.63	78.47	98.11	62.04	97.20
63.5	59.37	97.10	87.86	99.63	79.05	98.27	62.90	97.21
64	60.17	97.27	88.15	99.63	79.74	98.43	63.78	98.43
64.5	60.50	97.34	88.30	99.63	80.00	98.43	64.05	98.43
65	61.23	97.38	88.59	99.63	80.54	98.43	64.79	98.43
65.5	61.69	97.41	88.78	99.63	80.76	98.44	65.55	98.43
66	62.45	97.41	89.13	99.63	81.20	98.44	66.41	98.43
66.5	62.84	97.45	89.31	99.63	81.56	98.59	66.89	98.43
67	63.27	97.46	89.45	99.63	81.90	98.69	67.24	98.43
67.5	64.09	97.64	89.91	99.63	82.51	98.84	68.43	98.44
68	64.39	97.64	89.97	99.63	82.67	98.84	68.74	98.44
68.5	64.84	97.67	90.10	99.63	82.96	98.84	69.22	98.44
69	65.68	97.81	90.28	99.70	83.48	98.84	70.14	98.46
69.5	66.32	97.85	90.53	99.70	83.95	98.99	70.86	98.46
70	66.77	97.85	90.75	99.70	84.33	98.99	71.22	98.46
70.5	67.31	97.92	90.95	99.70	84.66	98.99	71.64	98.46
71	67.78	98.02	91.13	99.70	84.91	99.00	72.08	98.47
71.5	68.20	98.02	91.30	99.70	85.22	99.15	72.60	98.47
72	69.12	98.06	91.61	99.70	85.81	99.31	73.58	98.47
73	70.10	98.16	92.14	99.70	86.44	99.31	74.68	98.47
73.5	70.55	98.30	92.22	99.70	86.66	99.31	74.97	98.47
74	71.04	98.30	92.42	99.70	86.87	99.31	75.53	98.47
74.5	71.68	98.34	92.64	99.78	87.33	99.47	76.23	98.48
75	72.12	98.45	92.76	99.78	87.70	99.62	76.55	98.48
75.5	72.63	98.52	92.99	99.78	88.04	99.62	77.18	98.48
76	73.17	98.62	93.11	99.78	88.21	99.78	77.60	98.48
76.5	73.87	98.66	93.42	99.78	88.61	99.78	78.12	98.49
77	74.95	98.76	93.74	99.78	89.27	99.95	79.55	99.13
78	76.02	98.86	94.00	99.78	90.00	99.95	80.47	99.13
78.5	76.48	98.86	94.06	99.78	90.14	99.95	80.92	99.13
79	77.08	98.86	94.21	99.78	90.51	99.95	81.49	99.13
79.5	77.52	98.90	94.36	99.78	90.88	99.95	81.96	99.13
80	78.10	98.93	94.71	99.85	91.23	99.95	82.50	99.13
80.5	78.64	99.00	94.98	99.85	91.51	99.95	82.95	99.15
81	79.82	99.07	95.34	99.85	92.05	99.95	83.76	99.16
81.5	80.33	99.11	95.43	99.85	92.33	99.95	84.25	99.16
82	80.83	99.11	95.59	99.85	92.55	99.95	84.58	99.16
82.5	81.39	99.14	95.71	99.85	92.78	99.95	85.09	99.16
83	81.97	99.14	95.92	99.85	92.99	99.95	85.52	99.16
83.5	82.59	99.14	96.12	99.85	93.24	99.95	86.03	99.16
84	83.56	99.21	96.40	99.85	93.81	99.96	86.79	99.16
84.5	84.06	99.21	96.54	99.85	94.08	99.96	87.12	99.16
85	84.65	99.25	96.62	99.85	94.21	99.96	87.54	99.16
85.5	85.63	99.28	96.95	99.85	94.72	99.96	88.13	99.16
86	86.19	99.28	97.12	99.93	94.91	99.96	88.50	99.16
86.5	86.99	99.32	97.37	99.93	95.46	99.96	89.12	99.16
87	87.47	99.46	97.49	99.93	95.57	99.97	89.44	99.17
87.5	88.42	99.49	97.70	99.93	95.82	99.97	90.17	99.17
88	88.83	99.49	97.76	99.93	96.07	99.97	90.49	99.17
88.5	89.68	99.56	97.94	99.93	96.31	99.97	91.15	99.18
89	90.15	99.60	97.99	99.93	96.43	99.97	91.74	99.18
89.5	91.05	99.60	98.20	100.00	96.77	99.98	92.26	99.18
90	91.53	99.60	98.28	100.00	96.92	99.98	92.59	99.18
90.5	91.97	99.63	98.37	100.00	97.11	99.98	92.93	99.18
91	92.24	99.67	98.41	100.00	97.17	99.98	93.28	99.18
91.5	92.74	99.67	98.49	100.00	97.32	99.98	93.73	99.18
92	93.41	99.74	98.68	100.00	97.58	99.98	94.29	99.18
93	94.21	99.74	98.81	100.00	97.79	99.98	95.00	99.18
93.5	94.76	99.74	98.91	100.00	98.00	99.98	95.36	99.18
94	95.13	99.77	99.03	100.00	98.06	99.98	95.81	99.18
94.5	95.68	99.81	99.14	100.00	98.26	99.99	96.30	99.19
95	96.24	99.81	99.24	100.00	98.46	99.99	96.66	99.76
95.5	96.49	99.81	99.28	100.00	98.63	99.99	96.91	99.76
96	97.11	99.86	99.52	100.00	98.86	100.00	97.39	100.00
96.5	97.28	99.86	99.54	100.00	98.94	100.00	97.54	100.00
97	97.76	99.86	99.63	100.00	99.11	100.00	97.99	100.00
97.5	98.37	99.86	99.77	100.00	99.40	100.00	98.49	100.00
98	99.23	99.97	99.94	100.00	99.73	100.00	99.28	100.00
98.5	99.69	100.00	100.00	100.00	99.88	100.00	99.70	100.00
99	99.94	100.00	100.00	100.00	100.00	100.00	99.90	100.00
99.5	99.99	100.00	100.00	100.00	100.00	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)
Race or ethnicity (location-based distribution)
Percent
[Figure 7.B. corrected as of Jan. 25 2008]

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.17	0.02	0.11	0.00	0.08	0.00	0.08
0.5	0.03	1.85	0.10	2.17	0.04	1.88	0.01	1.81
1	0.22	7.26	0.74	8.75	0.45	7.85	0.19	7.69
1.5	0.26	8.85	0.87	10.75	0.51	9.40	0.21	9.20
2	0.35	10.58	1.06	13.25	0.66	11.85	0.28	10.50
2.5	0.44	12.24	1.33	15.33	0.83	13.54	0.36	11.78
3	0.59	14.11	1.71	17.72	1.09	16.31	0.49	13.41
3.5	0.69	15.85	2.02	19.88	1.28	17.90	0.57	15.22
4	0.80	17.27	2.31	22.02	1.51	19.88	0.64	16.34
4.5	0.84	17.81	2.47	22.71	1.60	20.65	0.67	17.23
5	1.02	20.66	3.03	27.04	1.87	24.28	0.79	20.65
5.5	1.21	22.95	3.60	29.67	2.15	26.75	0.95	22.62
6	1.38	25.16	3.99	32.90	2.38	29.15	1.06	25.05
6.5	1.49	26.23	4.19	34.26	2.52	30.00	1.15	26.09
7	1.67	28.22	4.51	36.20	2.82	31.51	1.28	27.32
7.5	1.76	29.18	4.70	37.43	2.97	32.53	1.35	28.92
8	1.92	31.19	5.11	39.53	3.18	34.23	1.49	30.59
8.5	2.01	31.83	5.24	40.30	3.38	34.92	1.58	31.11
9	2.14	32.74	5.53	41.48	3.57	35.65	1.68	32.02
9.5	2.23	33.68	5.79	42.51	3.73	36.58	1.77	32.69
10	2.38	34.78	6.18	43.91	3.95	37.75	1.91	33.30
10.5	2.49	35.55	6.45	44.60	4.11	38.51	2.00	33.70
11	2.64	36.60	6.79	45.84	4.26	39.47	2.13	34.98
11.5	2.80	38.20	7.19	47.25	4.49	40.96	2.28	35.95
12	3.14	40.43	7.91	49.89	4.99	43.43	2.63	38.79
12.5	3.37	41.59	8.30	51.04	5.27	44.57	2.80	39.73
13	3.70	42.98	9.02	52.48	5.72	45.58	3.07	41.24
13.5	3.89	44.31	9.47	53.61	5.99	47.36	3.23	43.32
14	4.23	46.62	10.13	55.56	6.50	49.73	3.52	45.58
14.5	4.41	47.94	10.63	56.25	6.76	51.04	3.66	46.20
15	4.71	49.45	11.31	57.62	7.21	52.21	3.96	47.07
15.5	4.91	50.18	11.65	58.41	7.52	52.94	4.10	48.02
16	5.21	51.65	12.22	59.44	7.95	53.91	4.36	49.36
16.5	5.48	52.49	12.64	60.07	8.34	54.93	4.60	50.30
17	5.78	53.29	13.18	61.09	8.82	55.93	4.88	51.01
17.5	5.99	53.97	13.63	62.23	9.10	56.80	5.08	51.84
18	6.29	54.97	14.16	63.10	9.58	57.65	5.34	52.71
18.5	6.54	55.49	14.65	63.50	9.84	58.09	5.50	53.12
19	6.86	56.24	15.19	64.08	10.23	58.69	5.82	53.61
19.5	7.09	56.72	15.65	64.32	10.53	59.18	6.00	53.90
20	7.47	58.76	16.42	67.02	11.11	61.72	6.39	56.04
20.5	7.68	59.46	16.81	67.80	11.45	62.42	6.63	56.32
21	7.97	60.63	17.34	68.98	11.92	63.58	6.99	57.60
21.5	8.18	61.14	17.68	69.66	12.18	64.70	7.21	58.78
22	8.49	61.91	18.21	70.56	12.57	65.59	7.54	59.59
22.5	8.73	62.29	18.62	71.66	12.97	66.35	7.77	60.35
23	9.08	63.13	19.35	72.80	13.62	66.92	8.11	60.98
23.5	9.37	64.29	19.90	73.71	14.16	67.72	8.47	61.63
24	9.93	65.78	20.82	74.46	15.01	69.03	9.01	62.59
24.5	10.28	66.57	21.38	75.00	15.62	69.52	9.32	63.27
25	10.73	67.77	22.04	75.98	16.39	70.73	9.79	64.75
25.5	11.05	68.57	22.64	76.41	16.82	71.54	10.03	65.23
26	11.50	69.43	23.36	77.53	17.56	72.25	10.42	66.03
26.5	11.91	70.32	24.01	78.20	18.17	73.38	10.81	67.05
27	12.58	71.43	25.09	79.50	19.12	74.39	11.41	68.28
27.5	12.92	72.19	25.77	80.48	19.70	75.15	11.75	69.34
28	13.62	73.12	26.87	81.27	20.62	76.06	12.37	70.23
28.5	14.02	73.86	27.50	81.71	21.31	76.77	12.83	70.92
29	14.80	74.85	28.54	82.74	22.36	78.23	13.63	71.64
29.5	15.28	75.48	29.14	83.07	23.01	78.67	14.07	72.47
30	15.90	76.45	30.02	83.79	23.96	79.29	14.75	73.66
30.5	16.32	76.93	30.61	84.12	24.49	79.66	15.13	74.07
31	17.04	77.89	31.62	85.06	25.50	80.48	15.91	75.48
31.5	17.50	78.30	32.11	85.83	26.09	80.97	16.32	75.75
32	18.12	78.95	32.85	86.46	26.83	81.73	16.92	76.21
32.5	18.68	79.51	33.60	86.93	27.67	82.15	17.59	76.64
33	19.34	80.33	34.31	87.39	28.49	82.61	18.11	77.40
33.5	19.79	80.80	34.93	87.92	29.18	83.37	18.58	77.89
34	20.52	81.61	35.77	88.54	30.12	84.27	19.27	78.78
34.5	21.10	82.29	36.57	88.81	30.96	84.79	19.86	79.37
35	22.04	82.88	37.72	89.26	32.08	85.48	20.69	80.01
35.5	22.33	83.25	38.14	89.67	32.48	85.59	21.04	80.35
36	23.31	83.96	39.30	90.44	33.65	86.24	22.07	81.26
36.5	23.68	84.25	39.80	90.57	34.16	86.41	22.40	81.37
37	24.79	84.85	41.02	91.28	35.64	87.19	23.61	82.07
37.5	25.22	85.28	41.47	91.41	36.14	87.47	24.01	83.19
38	26.29	85.89	42.78	91.79	37.42	88.14	25.21	84.77
38.5	26.69	86.04	43.22	91.98	37.92	88.33	25.70	85.30
39	27.55	86.91	44.11	92.21	38.95	88.97	26.82	86.22
39.5	27.85	87.12	44.56	92.34	39.36	89.07	27.21	86.46
40	28.52	87.55	45.38	92.53	40.21	89.57	28.00	87.08
40.5	29.08	88.00	46.13	92.83	40.82	89.64	28.62	87.79
41	29.85	88.38	47.00	92.97	41.81	90.41	29.47	88.21
41.5	30.22	88.53	47.37	93.17	42.21	90.54	29.86	88.51
42	31.12	89.06	48.36	93.63	43.24	90.83	30.77	88.98
42.5	31.65	89.55	48.94	93.86	43.92	91.32	31.36	90.30
43	32.51	90.01	49.96	94.01	44.83	91.48	32.13	90.69
43.5	33.09	90.24	50.55	94.10	45.49	91.63	32.80	90.93
44	34.02	90.67	51.55	94.36	46.60	92.00	33.78	91.12
44.5	34.80	91.23	52.29	94.45	47.38	92.43	34.59	91.47
45	35.47	91.56	52.96	94.74	48.24	92.74	35.35	92.01
45.5	36.19	91.72	53.73	95.00	49.12	92.93	36.14	92.15
46	36.96	92.09	54.51	95.11	50.02	93.34	36.86	92.83
46.5	37.46	92.35	55.04	95.20	50.52	93.69	37.49	93.04
47	38.47	92.62	56.29	95.61	51.65	94.26	38.63	93.48
47.5	38.94	92.72	56.73	95.64	52.08	94.37	39.14	93.59
48	39.90	93.07	57.54	96.11	52.97	94.77	40.06	93.90
48.5	40.39	93.22	58.06	96.12	53.53	94.84	40.53	93.93
49	40.97	93.42	58.59	96.31	54.08	94.94	41.06	94.02
49.5	41.59	93.58	59.20	96.35	54.70	95.02	41.65	94.10
50	42.37	93.74	59.90	96.48	55.52	95.28	42.50	94.23
50.5	42.80	93.77	60.25	96.54	55.88	95.29	42.90	94.26
51	43.59	94.02	61.01	96.65	56.70	95.38	43.93	94.33
51.5	44.25	94.23	61.59	96.73	57.31	95.42	44.53	94.62
52	45.09	94.49	62.32	96.83	58.15	95.72	45.42	94.85
52.5	45.67	94.54	62.86	96.91	58.81	95.73	46.03	94.86
53	46.48	94.75	63.55	97.06	59.65	95.88	47.09	94.92
53.5	47.21	94.98	64.27	97.15	60.38	96.01	47.94	95.23
54	48.10	95.34	65.01	97.40	61.25	96.13	48.98	95.55
54.5	48.58	95.49	65.42	97.44	61.71	96.22	49.52	95.81
55	49.59	95.69	66.20	97.69	62.73	96.57	50.50	96.24
55.5	50.08	95.91	66.59	97.72	63.27	96.79	51.06	96.37
56	50.82	96.02	67.23	97.77	63.93	96.83	51.78	96.43
56.5	51.37	96.12	67.76	97.78	64.50	96.87	52.31	96.44
57	52.23	96.30	68.46	97.82	65.37	96.96	53.26	96.60
57.5	52.71	96.41	68.83	97.84	65.84	97.04	53.83	96.76
58	53.61	96.55	69.46	97.91	66.61	97.30	54.73	96.93
58.5	54.22	96.60	69.93	97.99	67.22	97.35	55.49	96.97
59	55.06	96.78	70.62	98.05	67.91	97.56	56.39	97.05
59.5	55.64	96.80	71.11	98.09	68.50	97.64	57.01	97.18
60	56.51	96.90	71.84	98.22	69.20	97.81	58.07	97.22
60.5	56.94	96.97	72.16	98.24	69.60	97.83	58.58	97.26
61	57.63	97.11	72.62	98.39	70.23	97.94	59.17	97.51
61.5	58.29	97.23	73.20	98.51	70.75	97.97	59.87	97.57
62	58.95	97.29	73.87	98.52	71.35	97.98	60.60	97.58
62.5	59.65	97.43	74.59	98.62	72.00	98.08	61.35	97.63
63	60.26	97.53	75.12	98.65	72.45	98.12	61.96	97.66
63.5	61.00	97.62	75.65	98.65	73.07	98.31	62.75	97.72
64	61.81	97.76	76.24	98.82	73.83	98.67	63.59	98.03
64.5	62.15	97.81	76.52	98.82	74.08	98.67	63.90	98.05
65	62.88	97.90	77.08	98.87	74.67	98.69	64.57	98.22
65.5	63.33	97.95	77.33	98.89	75.04	98.69	65.09	98.23
66	64.09	97.97	77.83	98.89	75.66	98.69	65.90	98.27
66.5	64.49	98.01	78.15	98.91	75.99	98.72	66.37	98.35
67	64.90	98.03	78.42	98.91	76.37	98.75	66.73	98.35
67.5	65.74	98.15	79.18	99.13	77.12	98.91	67.70	98.58
68	66.02	98.15	79.40	99.13	77.33	98.91	68.05	98.58
68.5	66.45	98.17	79.65	99.15	77.67	98.92	68.51	98.58
69	67.29	98.30	80.19	99.16	78.30	98.93	69.24	98.62
69.5	67.90	98.32	80.60	99.17	78.74	99.09	69.83	98.63
70	68.36	98.32	80.94	99.17	79.12	99.09	70.26	98.63
70.5	68.86	98.34	81.32	99.30	79.51	99.09	70.74	98.65
71	69.29	98.42	81.62	99.38	79.81	99.12	71.16	98.69
71.5	69.72	98.43	81.91	99.38	80.19	99.22	71.61	98.70
72	70.63	98.45	82.44	99.44	80.88	99.29	72.41	98.71
73	71.58	98.50	83.17	99.49	81.67	99.32	73.43	98.96
73.5	72.02	98.61	83.49	99.50	81.99	99.33	73.77	98.98
74	72.49	98.61	83.89	99.50	82.34	99.33	74.19	98.98
74.5	73.11	98.66	84.35	99.56	82.79	99.39	74.92	99.01
75	73.55	98.77	84.64	99.56	83.13	99.40	75.30	99.02
75.5	74.05	98.82	84.97	99.57	83.53	99.41	75.72	99.03
76	74.55	98.89	85.29	99.59	83.78	99.54	76.10	99.12
76.5	75.23	98.92	85.66	99.59	84.25	99.54	76.77	99.12
77	76.30	99.00	86.36	99.60	85.10	99.72	77.90	99.36
78	77.33	99.08	86.99	99.60	85.80	99.74	78.96	99.41
78.5	77.76	99.08	87.19	99.60	86.09	99.74	79.37	99.41
79	78.35	99.08	87.57	99.60	86.48	99.74	79.92	99.41
79.5	78.78	99.11	87.86	99.61	86.76	99.74	80.33	99.42
80	79.35	99.16	88.19	99.62	87.20	99.75	80.91	99.42
80.5	79.89	99.21	88.49	99.63	87.57	99.76	81.42	99.50
81	80.99	99.25	89.26	99.65	88.30	99.77	82.45	99.52
81.5	81.48	99.28	89.53	99.65	88.61	99.78	82.95	99.53
82	81.95	99.28	89.77	99.65	88.90	99.78	83.34	99.53
82.5	82.48	99.30	90.08	99.65	89.23	99.78	83.76	99.54
83	83.04	99.30	90.40	99.65	89.60	99.78	84.27	99.54
83.5	83.64	99.32	90.72	99.66	90.02	99.79	84.75	99.57
84	84.57	99.37	91.25	99.66	90.59	99.81	85.59	99.60
84.5	85.05	99.37	91.54	99.66	90.87	99.81	86.03	99.60
85	85.58	99.40	91.85	99.67	91.19	99.81	86.48	99.65
85.5	86.52	99.42	92.45	99.68	91.77	99.83	87.26	99.66
86	87.05	99.42	92.75	99.78	92.09	99.83	87.76	99.67
86.5	87.79	99.44	93.24	99.79	92.62	99.83	88.52	99.67
87	88.24	99.55	93.45	99.79	92.89	99.86	89.01	99.72
87.5	89.11	99.57	93.92	99.79	93.36	99.86	89.75	99.78
88	89.50	99.57	94.16	99.79	93.61	99.86	90.15	99.78
88.5	90.30	99.62	94.64	99.80	94.12	99.86	90.81	99.79
89	90.74	99.65	94.83	99.80	94.36	99.87	91.19	99.80
89.5	91.57	99.67	95.36	99.82	94.88	99.87	91.94	99.80
90	92.01	99.67	95.63	99.82	95.19	99.87	92.33	99.80
90.5	92.42	99.69	95.81	99.82	95.47	99.89	92.68	99.80
91	92.67	99.72	95.93	99.83	95.60	99.90	92.95	99.80
91.5	93.15	99.72	96.19	99.83	95.80	99.90	93.35	99.80
92	93.77	99.77	96.48	99.85	96.24	99.91	94.05	99.82
93	94.51	99.77	96.83	99.85	96.69	99.91	94.68	99.82
93.5	95.02	99.77	97.17	99.85	96.95	99.91	95.07	99.82
94	95.37	99.78	97.43	99.88	97.16	99.91	95.43	99.82
94.5	95.89	99.80	97.76	99.90	97.50	99.92	95.85	99.84
95	96.43	99.82	98.05	99.90	97.82	99.94	96.37	99.90
95.5	96.66	99.82	98.19	99.90	98.00	99.94	96.56	99.90
96	97.24	99.87	98.54	99.98	98.35	99.99	97.16	99.93
96.5	97.40	99.87	98.60	99.98	98.47	99.99	97.35	99.93
97	97.87	99.90	98.84	99.99	98.71	99.99	97.76	99.94
97.5	98.43	99.90	99.24	99.99	99.07	99.99	98.42	99.94
98	99.25	99.97	99.70	100.00	99.52	100.00	99.16	99.99
98.5	99.71	100.00	99.87	100.00	99.81	100.00	99.65	100.00
99	99.94	100.00	99.98	100.00	99.97	100.00	99.92	100.00
99.5	99.99	100.00	99.99	100.00	99.99	100.00	99.99	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)
Sex
[Figure 7.B. corrected as of Jan. 25 2008]
Percent

Score	Male (Good)	Male (Bad)	Female (Good)	Female (Bad)
0	0.00	0.04	0.00	0.18
0.5	0.03	1.75	0.04	2.04
1	0.24	6.82	0.33	8.27
1.5	0.28	8.13	0.39	10.13
2	0.35	10.25	0.53	12.06
2.5	0.46	12.00	0.65	13.81
3	0.60	13.80	0.86	16.32
3.5	0.72	15.51	1.00	18.25
4	0.86	17.19	1.15	19.96
4.5	0.91	17.82	1.21	20.58
5	1.15	20.45	1.42	24.37
5.5	1.36	22.57	1.66	27.07
6	1.55	24.92	1.86	29.62
6.5	1.66	25.96	1.98	30.82
7	1.89	27.99	2.17	32.75
7.5	1.99	28.95	2.27	33.92
8	2.18	31.18	2.46	35.74
8.5	2.29	31.78	2.56	36.50
9	2.44	32.89	2.70	37.34
9.5	2.57	33.53	2.81	38.58
10	2.73	34.65	3.00	39.89
10.5	2.83	35.45	3.14	40.69
11	3.05	36.72	3.27	41.64
11.5	3.21	37.88	3.48	43.46
12	3.60	40.11	3.86	46.05
12.5	3.82	41.27	4.14	47.14
13	4.17	42.50	4.54	48.67
13.5	4.40	43.90	4.77	50.05
14	4.76	45.73	5.16	52.71
14.5	4.99	46.73	5.37	53.95
15	5.34	48.13	5.73	55.37
15.5	5.55	49.12	5.96	55.99
16	5.84	50.48	6.31	57.30
16.5	6.18	51.44	6.58	58.14
17	6.54	52.35	6.90	58.87
17.5	6.80	53.11	7.14	59.67
18	7.12	54.11	7.49	60.55
18.5	7.40	54.59	7.75	61.06
19	7.77	55.34	8.08	61.68
19.5	8.04	55.74	8.33	62.04
20	8.47	57.62	8.73	64.44
20.5	8.73	58.53	8.93	64.92
21	9.07	59.89	9.26	65.90
21.5	9.30	60.45	9.46	66.63
22	9.65	61.44	9.79	67.21
22.5	9.94	61.80	10.04	68.05
23	10.34	62.68	10.47	68.85
23.5	10.70	63.84	10.78	69.84
24	11.27	65.15	11.46	71.15
24.5	11.66	66.03	11.86	71.62
25	12.20	67.42	12.33	72.64
25.5	12.53	68.22	12.69	73.33
26	13.10	69.34	13.13	74.06
26.5	13.58	70.26	13.53	74.94
27	14.29	71.41	14.28	76.10
27.5	14.69	72.29	14.66	76.87
28	15.48	73.17	15.36	77.85
28.5	16.03	73.88	15.74	78.51
29	16.93	75.04	16.51	79.42
29.5	17.46	75.64	16.99	79.96
30	18.17	76.59	17.62	80.73
30.5	18.61	76.91	18.07	81.28
31	19.39	77.95	18.84	82.22
31.5	19.93	78.47	19.26	82.70
32	20.56	79.11	19.89	83.35
32.5	21.15	79.70	20.50	83.79
33	21.88	80.26	21.13	84.52
33.5	22.36	80.94	21.63	84.92
34	23.22	81.82	22.27	85.54
34.5	23.89	82.54	22.87	85.97
35	24.86	83.25	23.82	86.41
35.5	25.17	83.73	24.13	86.70
36	26.22	84.69	25.11	87.21
36.5	26.60	84.93	25.51	87.36
37	27.89	85.77	26.57	87.80
37.5	28.35	86.08	26.99	88.20
38	29.50	86.84	28.05	88.74
38.5	29.97	87.04	28.43	88.89
39	30.86	87.56	29.30	89.73
39.5	31.18	87.84	29.63	89.84
40	31.92	88.44	30.28	90.05
40.5	32.52	88.76	30.84	90.42
41	33.37	89.19	31.61	90.82
41.5	33.74	89.31	31.99	91.00
42	34.66	89.79	32.87	91.55
42.5	35.20	90.23	33.44	92.06
43	36.10	90.59	34.27	92.42
43.5	36.76	90.79	34.81	92.60
44	37.68	91.07	35.79	92.97
44.5	38.50	91.55	36.53	93.26
45	39.16	92.03	37.22	93.48
45.5	39.95	92.22	37.95	93.62
46	40.75	92.54	38.67	93.92
46.5	41.27	92.86	39.15	94.10
47	42.37	93.10	40.16	94.46
47.5	42.86	93.22	40.59	94.54
48	43.88	93.62	41.46	94.79
48.5	44.39	93.70	41.92	94.94
49	44.95	93.90	42.48	95.08
49.5	45.59	94.02	43.09	95.23
50	46.37	94.22	43.83	95.34
50.5	46.85	94.26	44.17	95.37
51	47.68	94.46	44.95	95.56
51.5	48.36	94.66	45.55	95.70
52	49.21	94.98	46.34	95.85
52.5	49.82	95.02	46.90	95.88
53	50.64	95.22	47.68	96.03
53.5	51.43	95.45	48.35	96.17
54	52.32	95.77	49.19	96.43
54.5	52.85	95.93	49.60	96.50
55	53.76	96.09	50.63	96.79
55.5	54.27	96.13	51.10	97.09
56	55.04	96.21	51.75	97.16
56.5	55.61	96.33	52.27	97.19
57	56.53	96.53	53.05	97.23
57.5	57.01	96.61	53.52	97.34
58	57.90	96.69	54.35	97.45
58.5	58.52	96.69	54.95	97.52
59	59.42	96.93	55.67	97.63
59.5	60.01	97.01	56.25	97.63
60	60.78	97.09	57.15	97.78
60.5	61.18	97.13	57.58	97.78
61	61.86	97.33	58.21	97.85
61.5	62.47	97.41	58.86	97.96
62	63.13	97.45	59.51	97.96
62.5	63.79	97.53	60.24	98.11
63	64.38	97.65	60.81	98.14
63.5	65.08	97.77	61.48	98.21
64	65.82	98.01	62.27	98.32
64.5	66.15	98.09	62.57	98.32
65	66.83	98.13	63.26	98.32
65.5	67.30	98.13	63.66	98.36
66	68.05	98.13	64.32	98.36
66.5	68.42	98.13	64.71	98.43
67	68.87	98.13	65.05	98.47
67.5	69.71	98.21	65.82	98.62
68	69.98	98.21	66.09	98.62
68.5	70.41	98.21	66.50	98.65
69	71.26	98.37	67.21	98.69
69.5	71.85	98.45	67.79	98.69
70	72.23	98.45	68.27	98.69
70.5	72.77	98.48	68.72	98.73
71	73.18	98.56	69.13	98.76
71.5	73.62	98.60	69.50	98.76
72	74.47	98.64	70.36	98.80
73	75.44	98.72	71.23	98.83
73.5	75.79	98.84	71.69	98.87
74	76.25	98.84	72.13	98.87
74.5	76.83	98.96	72.75	98.87
75	77.22	99.04	73.16	98.94
75.5	77.71	99.12	73.63	98.94
76	78.20	99.16	74.08	99.05
76.5	78.81	99.16	74.75	99.09
77	79.70	99.20	75.87	99.24
78	80.71	99.24	76.82	99.31
78.5	81.08	99.24	77.24	99.31
79	81.62	99.24	77.81	99.31
79.5	82.00	99.24	78.26	99.34
80	82.49	99.28	78.86	99.38
80.5	82.92	99.36	79.43	99.38
81	83.91	99.44	80.54	99.38
81.5	84.36	99.44	81.02	99.42
82	84.78	99.44	81.47	99.42
82.5	85.29	99.48	81.94	99.42
83	85.76	99.48	82.51	99.42
83.5	86.28	99.48	83.11	99.42
84	87.12	99.48	84.01	99.49
84.5	87.59	99.48	84.45	99.49
85	88.06	99.48	84.97	99.53
85.5	88.85	99.52	85.94	99.53
86	89.37	99.56	86.42	99.53
86.5	90.06	99.60	87.15	99.53
87	90.48	99.68	87.56	99.60
87.5	91.22	99.68	88.45	99.64
88	91.56	99.68	88.85	99.64
88.5	92.19	99.72	89.71	99.67
89	92.55	99.72	90.16	99.71
89.5	93.21	99.72	91.06	99.75
90	93.58	99.72	91.52	99.75
90.5	93.93	99.72	91.94	99.78
91	94.17	99.76	92.17	99.78
91.5	94.54	99.76	92.67	99.78
92	95.10	99.84	93.29	99.78
93	95.69	99.84	94.08	99.78
93.5	96.09	99.84	94.63	99.78
94	96.37	99.88	95.01	99.78
94.5	96.77	99.88	95.56	99.82
95	97.16	99.88	96.16	99.85
95.5	97.34	99.88	96.43	99.85
96	97.83	99.92	97.03	99.93
96.5	97.96	99.92	97.22	99.93
97	98.28	99.92	97.74	99.93
97.5	98.76	99.92	98.33	99.93
98	99.43	99.96	99.19	100.00
98.5	99.81	100.00	99.64	100.00
99	99.96	100.00	99.94	100.00
99.5	99.99	100.00	99.99	100.00
100	100.00	100.00	100.00	100.00

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)
Age (years)
Percent
[Figure 7.B. corrected as of Jan. 25 2008]

Score	Younger than 30 (Good)	Younger than 30 (Bad)	30-39 (Good)	30-39 (Bad)	40-49 (Good)	40-49 (Bad)	50-61 (Good)	50-61 (Bad)	62 or older (Good)	62 or older (Bad)
0	0.00	0.00	0.00	0.15	0.01	0.25	0.00	0.00	0.00	0.25
0.5	0.03	1.60	0.06	1.71	0.04	2.49	0.03	2.27	0.01	1.27
1	0.42	7.31	0.44	7.49	0.26	8.55	0.19	8.16	0.10	4.83
1.5	0.52	8.59	0.49	9.35	0.31	10.22	0.22	10.03	0.12	6.11
2	0.74	10.64	0.61	11.42	0.42	11.54	0.27	13.10	0.17	7.89
2.5	0.92	11.99	0.79	13.65	0.54	13.21	0.33	14.97	0.20	9.67
3	1.24	13.91	1.06	15.95	0.67	15.86	0.47	16.71	0.25	11.70
3.5	1.40	15.90	1.28	18.25	0.83	17.44	0.51	18.05	0.30	12.98
4	1.62	17.37	1.48	20.33	0.94	18.85	0.62	20.19	0.35	14.25
4.5	1.73	18.01	1.61	21.37	0.97	19.27	0.65	20.72	0.35	14.25
5	2.07	21.35	1.91	25.30	1.20	22.34	0.79	23.53	0.43	16.03
5.5	2.38	23.08	2.26	28.78	1.46	25.17	0.94	25.27	0.48	17.56
6	2.66	25.58	2.49	30.93	1.64	27.82	1.10	27.81	0.55	20.10
6.5	2.85	26.41	2.67	32.34	1.74	29.24	1.17	28.88	0.65	20.61
7	3.26	27.76	2.97	35.24	1.93	31.15	1.28	30.88	0.69	22.14
7.5	3.41	28.97	3.12	36.35	2.01	32.14	1.35	31.95	0.71	22.65
8	3.66	30.64	3.37	38.80	2.22	34.80	1.46	33.02	0.85	24.43
8.5	3.79	31.03	3.52	39.84	2.32	35.47	1.55	33.69	0.89	25.19
9	3.98	31.92	3.73	40.88	2.45	36.79	1.67	34.49	0.94	25.45
9.5	4.13	32.95	3.89	42.28	2.59	37.29	1.74	35.29	0.99	26.21
10	4.47	34.17	4.15	43.62	2.73	38.70	1.86	36.36	1.02	26.72
10.5	4.70	34.81	4.29	44.58	2.84	39.70	1.96	37.03	1.09	27.23
11	4.91	35.64	4.57	45.99	2.96	40.86	2.10	38.50	1.19	27.48
11.5	5.16	36.15	4.78	47.55	3.21	43.02	2.22	41.18	1.25	28.50
12	5.51	37.50	5.30	50.15	3.59	46.26	2.63	43.45	1.43	32.32
12.5	5.74	38.08	5.61	51.04	3.87	47.76	2.88	45.19	1.56	34.10
13	6.13	39.10	6.03	52.08	4.28	49.83	3.25	46.79	1.78	35.62
13.5	6.34	40.19	6.33	53.12	4.57	51.58	3.44	48.26	1.90	38.17
14	6.84	42.12	6.68	55.42	4.99	53.57	3.76	50.67	2.19	42.24
14.5	7.05	43.78	7.01	56.23	5.19	54.82	3.97	51.47	2.30	42.49
15	7.49	45.06	7.51	57.42	5.51	56.48	4.27	53.34	2.49	43.51
15.5	7.77	46.35	7.79	58.09	5.73	57.06	4.46	53.88	2.62	44.02
16	8.04	47.56	8.20	59.87	6.15	58.14	4.70	55.48	2.83	44.53
16.5	8.39	48.78	8.57	60.68	6.44	58.80	4.96	56.02	3.04	45.80
17	8.80	49.62	9.06	61.72	6.81	59.72	5.22	56.42	3.17	46.31
17.5	9.01	50.32	9.39	62.54	7.07	60.63	5.43	57.49	3.34	46.31
18	9.42	50.96	9.82	63.35	7.50	61.54	5.67	58.69	3.49	48.35
18.5	9.62	51.47	10.16	63.72	7.84	62.21	5.88	59.22	3.67	48.60
19	10.02	52.24	10.61	64.32	8.25	62.38	6.14	60.43	3.83	49.87
19.5	10.37	52.56	10.94	64.47	8.51	62.96	6.36	60.96	3.95	50.38
20	11.08	55.38	11.42	66.91	8.84	64.37	6.74	62.70	4.16	51.91
20.5	11.44	56.09	11.69	67.51	9.07	65.12	6.89	63.50	4.31	52.42
21	11.99	57.76	12.07	68.32	9.36	66.28	7.19	64.44	4.47	53.18
21.5	12.24	58.65	12.30	68.92	9.59	66.69	7.39	64.84	4.60	54.20
22	12.61	59.62	12.76	69.44	9.92	67.52	7.71	65.78	4.77	54.71
22.5	12.83	59.94	13.16	70.10	10.23	68.69	7.94	66.18	4.93	54.96
23	13.26	60.71	13.69	71.44	10.66	69.35	8.29	66.71	5.18	55.47
23.5	13.62	61.79	14.12	72.55	11.08	70.18	8.54	67.91	5.33	56.74
24	14.52	63.01	14.88	74.18	11.82	71.68	8.95	68.85	5.59	57.51
24.5	15.11	63.97	15.32	75.00	12.23	71.93	9.25	69.65	5.85	57.51
25	15.81	65.77	15.92	75.82	12.71	72.84	9.60	70.99	6.26	58.27
25.5	16.32	66.99	16.31	76.34	13.04	73.42	9.88	71.66	6.47	58.52
26	17.04	68.08	16.94	77.30	13.52	74.09	10.31	72.86	6.72	58.78
26.5	17.65	68.78	17.50	78.12	13.90	75.50	10.73	73.53	6.92	59.54
27	18.81	70.06	18.31	79.15	14.61	76.25	11.34	75.13	7.31	61.07
27.5	19.32	71.22	18.70	79.75	15.04	77.16	11.71	75.80	7.52	61.32
28	20.50	72.56	19.54	80.71	15.82	77.66	12.25	76.60	7.87	62.09
28.5	21.30	73.27	19.93	81.31	16.23	78.49	12.73	77.41	8.11	62.34
29	22.36	74.62	20.92	81.97	17.14	79.65	13.43	77.67	8.55	64.38
29.5	23.30	75.26	21.42	82.42	17.58	80.23	13.85	78.34	8.81	64.89
30	24.14	76.47	22.23	82.94	18.21	80.98	14.51	79.01	9.17	66.16
30.5	24.62	76.86	22.80	83.46	18.66	81.31	14.88	79.28	9.48	67.18
31	25.55	77.63	23.82	84.35	19.45	82.56	15.50	80.62	9.93	67.94
31.5	26.31	78.33	24.38	84.57	19.84	82.81	15.93	81.42	10.19	68.70
32	27.21	79.04	25.02	85.39	20.51	83.39	16.50	81.95	10.57	68.96
32.5	28.03	79.23	25.69	85.91	21.06	84.05	17.10	82.89	10.88	69.47
33	28.96	80.00	26.51	86.42	21.73	84.30	17.64	83.82	11.33	70.74
33.5	29.53	80.45	27.06	87.02	22.19	84.63	18.13	84.63	11.70	71.50
34	30.61	81.41	27.94	87.46	22.86	85.55	18.72	85.16	12.22	72.26
34.5	31.69	82.18	28.63	87.76	23.43	86.30	19.22	85.56	12.59	72.77
35	33.10	82.69	29.62	88.50	24.36	86.79	20.07	85.70	13.25	74.05
35.5	33.41	83.08	30.04	88.80	24.67	87.29	20.36	86.23	13.44	74.05
36	35.06	83.85	31.14	89.54	25.67	87.87	21.20	87.17	13.93	74.55
36.5	35.54	83.97	31.59	89.61	26.08	88.12	21.53	87.57	14.15	74.81
37	36.91	84.62	32.81	90.36	27.39	88.62	22.71	88.24	14.79	75.32
37.5	37.72	85.19	33.24	90.73	27.76	88.79	23.06	88.50	15.09	75.57
38	39.49	85.83	34.43	91.32	28.83	89.45	23.91	89.17	15.80	76.34
38.5	39.96	86.09	34.89	91.54	29.29	89.53	24.28	89.30	16.12	76.34
39	41.40	87.12	35.71	92.36	30.18	89.70	24.99	89.97	16.75	76.84
39.5	41.86	87.31	36.03	92.73	30.51	89.78	25.28	90.11	16.96	76.84
40	43.00	87.69	36.69	92.88	31.16	90.28	25.96	90.37	17.28	78.12
40.5	43.71	88.08	37.26	93.18	31.78	90.61	26.58	90.64	17.62	78.63
41	44.76	88.59	38.00	93.55	32.60	90.95	27.45	90.91	18.12	79.39
41.5	45.32	88.72	38.34	93.62	33.02	91.03	27.74	91.04	18.42	80.15
42	46.66	89.36	39.27	93.92	33.86	91.61	28.54	91.31	19.06	81.17
42.5	47.35	89.62	39.85	94.44	34.37	92.19	29.18	91.71	19.34	82.19
43	48.51	90.06	40.69	94.73	35.26	92.61	29.99	91.84	19.97	82.70
43.5	49.23	90.38	41.29	94.81	35.87	92.77	30.64	91.98	20.31	82.95
44	50.97	90.90	42.22	94.96	36.68	93.19	31.49	92.11	20.84	83.21
44.5	51.85	91.54	42.99	95.18	37.53	93.36	32.28	92.65	21.36	83.46
45	52.98	91.86	43.56	95.40	38.21	93.85	32.89	92.91	21.79	83.97
45.5	53.90	92.05	44.38	95.40	38.89	94.10	33.67	93.18	22.36	84.22
46	54.77	92.18	45.11	95.62	39.59	94.44	34.57	93.58	22.93	85.24
46.5	55.35	92.50	45.58	95.85	40.14	94.52	35.12	93.98	23.24	85.50
47	56.72	92.82	46.59	96.14	41.15	94.68	36.09	94.39	24.20	86.01
47.5	57.35	93.01	46.99	96.22	41.59	94.77	36.56	94.39	24.61	86.01
48	58.56	93.46	47.87	96.44	42.62	95.02	37.47	94.65	25.21	86.51
48.5	59.19	93.65	48.31	96.59	43.07	95.02	37.94	94.79	25.67	86.51
49	60.04	93.97	48.85	96.59	43.61	95.18	38.41	95.05	26.13	86.51
49.5	61.12	94.23	49.41	96.66	44.17	95.27	38.92	95.05	26.62	86.77
50	62.27	94.55	50.17	96.74	44.93	95.43	39.54	95.05	27.23	86.77
50.5	62.84	94.55	50.55	96.74	45.22	95.52	39.98	95.05	27.65	87.02
51	64.27	94.87	51.42	96.81	45.83	95.68	40.69	95.05	28.14	87.53
51.5	65.33	95.06	52.12	96.96	46.38	95.76	41.24	95.19	28.50	88.04
52	66.41	95.58	53.06	97.11	47.16	95.93	41.95	95.19	29.07	88.04
52.5	67.30	95.64	53.74	97.18	47.75	95.93	42.45	95.19	29.37	88.04
53	68.33	95.77	54.59	97.33	48.49	96.18	43.19	95.19	30.00	88.55
53.5	69.56	96.03	55.30	97.33	49.11	96.26	43.87	95.45	30.45	89.31
54	70.85	96.41	56.25	97.63	49.90	96.35	44.64	95.72	31.00	89.82
54.5	71.47	96.54	56.74	97.63	50.42	96.51	45.04	95.86	31.29	90.08
55	73.08	96.99	57.71	97.77	51.36	96.76	45.83	95.86	31.92	90.08
55.5	73.82	97.24	58.26	97.85	51.77	97.01	46.27	95.99	32.22	90.08
56	74.92	97.24	58.89	97.92	52.44	97.26	46.91	95.99	32.78	90.08
56.5	75.61	97.37	59.46	97.92	53.01	97.26	47.36	96.26	33.24	90.08
57	76.75	97.56	60.34	98.00	53.88	97.43	48.10	96.26	33.82	90.08
57.5	77.60	97.56	60.85	98.15	54.29	97.51	48.51	96.26	34.08	90.59
58	78.79	97.76	61.83	98.15	55.08	97.67	49.21	96.26	34.77	90.59
58.5	79.50	97.76	62.47	98.22	55.74	97.76	49.84	96.26	35.07	90.59
59	80.53	98.01	63.32	98.52	56.58	97.84	50.53	96.26	35.72	90.59
59.5	81.38	98.01	63.87	98.52	57.12	98.01	51.08	96.26	36.17	90.59
60	82.27	98.33	64.83	98.52	57.98	98.01	51.89	96.39	36.78	90.59
60.5	82.92	98.40	65.27	98.52	58.32	98.01	52.26	96.39	37.10	90.59
61	83.97	98.59	66.00	98.52	58.90	98.26	52.72	96.52	37.63	90.59
61.5	84.69	98.65	66.66	98.59	59.57	98.34	53.29	96.66	38.17	90.84
62	85.50	98.65	67.37	98.66	60.30	98.34	53.86	96.66	38.58	90.84
62.5	86.48	98.91	68.12	98.66	60.92	98.51	54.49	96.66	39.11	90.84
63	86.89	98.97	68.85	98.74	61.51	98.51	55.03	96.79	39.68	91.09
63.5	87.62	99.10	69.61	98.81	62.28	98.51	55.66	96.93	40.16	91.35
64	88.26	99.29	70.57	98.89	62.96	98.59	56.44	97.19	40.88	91.86
64.5	88.58	99.42	71.00	98.89	63.24	98.59	56.74	97.19	41.13	91.86
65	89.33	99.42	71.75	98.89	63.90	98.67	57.36	97.19	41.78	91.86
65.5	89.76	99.42	72.28	98.89	64.31	98.67	57.76	97.19	42.16	92.11
66	90.23	99.42	72.99	98.89	65.16	98.67	58.55	97.19	42.71	92.11
66.5	90.71	99.49	73.27	98.89	65.56	98.67	58.92	97.33	43.09	92.11
67	91.00	99.49	73.78	98.89	65.99	98.67	59.33	97.33	43.35	92.37
67.5	91.69	99.62	74.67	98.89	66.83	98.75	60.12	97.46	44.11	92.88
68	91.86	99.62	74.97	98.89	67.13	98.75	60.43	97.46	44.36	92.88
68.5	92.18	99.62	75.49	98.89	67.54	98.75	60.80	97.46	44.79	93.13
69	92.73	99.74	76.42	98.96	68.36	98.75	61.54	97.59	45.60	93.38
69.5	93.01	99.74	77.20	99.04	69.03	98.84	62.10	97.59	46.13	93.38
70	93.34	99.74	77.63	99.04	69.50	98.84	62.52	97.59	46.63	93.38
70.5	93.78	99.81	78.21	99.04	69.94	98.84	63.03	97.73	47.12	93.38
71	94.05	99.87	78.56	99.11	70.38	98.92	63.53	97.73	47.55	93.38
71.5	94.31	99.87	79.02	99.18	70.77	98.92	64.02	97.73	47.92	93.38
72	94.79	99.87	79.97	99.18	71.76	98.92	64.93	97.99	48.75	93.38
73	95.28	99.94	80.79	99.33	72.66	98.92	66.04	97.99	49.99	93.38
73.5	95.46	99.94	81.24	99.33	73.14	98.92	66.43	98.26	50.45	93.89
74	95.65	99.94	81.75	99.33	73.66	98.92	66.86	98.26	51.03	93.89
74.5	96.07	99.94	82.42	99.41	74.19	99.00	67.39	98.26	51.95	94.15
75	96.27	99.94	82.76	99.55	74.60	99.09	67.84	98.26	52.61	94.40
75.5	96.70	99.94	83.19	99.55	75.07	99.17	68.30	98.26	53.23	94.66
76	96.89	100.00	83.73	99.63	75.51	99.17	68.84	98.40	53.85	94.91
76.5	96.98	100.00	84.41	99.63	76.38	99.17	69.55	98.40	54.52	95.17
77	97.66	100.00	85.32	99.70	77.32	99.25	70.80	98.53	55.79	95.67
78	97.93	100.00	86.22	99.78	78.43	99.34	71.95	98.66	57.16	95.67
78.5	98.07	100.00	86.52	99.78	78.86	99.34	72.48	98.66	57.71	95.67
79	98.20	100.00	86.97	99.78	79.47	99.34	73.13	98.66	58.65	95.67
79.5	98.24	100.00	87.41	99.78	79.92	99.34	73.68	98.66	59.15	95.93
80	98.39	100.00	87.92	99.78	80.53	99.34	74.29	98.66	59.97	96.44
80.5	98.49	100.00	88.44	99.78	81.07	99.34	74.77	98.80	60.88	96.69
81	98.66	100.00	89.43	99.78	82.16	99.42	76.22	98.93	62.33	96.69
81.5	98.82	100.00	89.84	99.78	82.65	99.50	76.73	98.93	63.09	96.69
82	98.85	100.00	90.20	99.78	83.04	99.50	77.36	98.93	63.84	96.69
82.5	98.91	100.00	90.69	99.85	83.55	99.50	77.94	98.93	64.65	96.69
83	98.98	100.00	91.15	99.85	84.15	99.50	78.55	98.93	65.48	96.69
83.5	99.04	100.00	91.58	99.85	84.73	99.50	79.28	98.93	66.49	96.69
84	99.27	100.00	92.40	99.93	85.67	99.58	80.34	98.93	67.75	96.69
84.5	99.31	100.00	92.75	99.93	86.16	99.58	80.93	98.93	68.52	96.69
85	99.35	100.00	93.04	99.93	86.73	99.67	81.62	98.93	69.39	96.69
85.5	99.42	100.00	93.71	99.93	87.70	99.67	82.81	99.06	70.85	96.69
86	99.47	100.00	94.09	99.93	88.25	99.67	83.44	99.20	71.70	96.69
86.5	99.51	100.00	94.65	99.93	89.06	99.67	84.42	99.20	72.78	96.95
87	99.55	100.00	94.94	99.93	89.51	99.75	84.93	99.33	73.58	97.46
87.5	99.59	100.00	95.52	100.00	90.42	99.75	86.02	99.33	75.03	97.46
88	99.63	100.00	95.78	100.00	90.76	99.75	86.50	99.33	75.81	97.46
88.5	99.69	100.00	96.25	100.00	91.56	99.75	87.52	99.60	77.24	97.46
89	99.76	100.00	96.48	100.00	91.99	99.75	88.02	99.60	78.07	97.71
89.5	99.82	100.00	96.84	100.00	92.85	99.75	89.07	99.73	79.79	97.71
90	99.83	100.00	97.06	100.00	93.21	99.75	89.70	99.73	80.70	97.71
90.5	99.83	100.00	97.27	100.00	93.60	99.75	90.27	99.87	81.47	97.71
91	99.83	100.00	97.36	100.00	93.87	99.83	90.61	99.87	81.96	97.71
91.5	99.86	100.00	97.63	100.00	94.28	99.83	91.19	99.87	82.92	97.71
92	99.87	100.00	97.96	100.00	94.91	99.83	92.04	99.87	84.08	98.22
93	99.89	100.00	98.30	100.00	95.59	99.83	92.82	99.87	85.93	98.22
93.5	99.89	100.00	98.48	100.00	95.92	99.83	93.33	99.87	87.63	98.22
94	99.91	100.00	98.63	100.00	96.15	99.92	93.69	99.87	88.72	98.22
94.5	99.93	100.00	98.83	100.00	96.38	99.92	94.26	99.87	90.47	98.47
95	99.93	100.00	99.02	100.00	96.80	99.92	94.85	99.87	91.97	98.73
95.5	99.93	100.00	99.07	100.00	96.98	99.92	95.20	99.87	92.62	98.73
96	99.94	100.00	99.28	100.00	97.54	99.92	95.97	99.87	93.88	99.49
96.5	99.96	100.00	99.32	100.00	97.70	99.92	96.18	99.87	94.28	99.49
97	99.98	100.00	99.47	100.00	98.18	99.92	96.74	99.87	95.26	99.49
97.5	99.99	100.00	99.63	100.00	98.64	99.92	97.54	99.87	96.69	99.49
98	99.99	100.00	99.85	100.00	99.35	100.00	98.81	100.00	98.44	99.75
98.5	100.00	100.00	99.93	100.00	99.66	100.00	99.50	100.00	99.57	100.00
99	100.00	100.00	99.99	100.00	99.96	100.00	99.88	100.00	99.92	100.00
99.5	100.00	100.00	100.00	100.00	99.99	100.00	99.99	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)
Marital status
Percent

Score	Married Male (Good)	Married Male (Bad)	Married Male (Good)	Married Male (Bad)	Married Female (Good)	Married Female (Bad)	Single Female (Good)	Single Female (Bad)
0	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.36
0.5	0.01	1.88	0.05	2.28	0.02	1.56	0.07	2.62
1	0.12	5.54	0.37	9.02	0.16	6.33	0.50	9.76
1.5	0.15	6.64	0.39	10.76	0.18	8.00	0.60	11.93
2	0.20	8.42	0.50	12.72	0.26	9.35	0.82	14.74
2.5	0.23	10.30	0.70	14.13	0.31	10.90	1.02	16.73
3	0.34	12.40	0.89	15.76	0.45	12.67	1.29	20.07
3.5	0.43	13.73	1.01	18.37	0.54	14.95	1.50	21.70
4	0.51	15.50	1.19	20.11	0.63	16.61	1.75	22.97
4.5	0.54	15.73	1.28	21.09	0.67	17.13	1.81	23.33
5	0.67	18.60	1.68	23.04	0.81	21.18	2.12	26.85
5.5	0.81	19.82	2.04	25.65	0.96	23.78	2.46	30.29
6	0.97	21.59	2.19	28.37	1.10	26.38	2.74	32.82
6.5	1.04	22.59	2.35	29.13	1.17	27.73	2.92	34.18
7	1.18	24.58	2.65	31.52	1.31	28.97	3.14	36.44
7.5	1.27	25.36	2.78	32.50	1.36	30.22	3.26	37.52
8	1.38	28.02	3.10	34.24	1.51	32.29	3.50	39.60
8.5	1.43	28.35	3.21	35.22	1.55	33.44	3.69	40.14
9	1.52	29.57	3.42	36.41	1.65	34.48	3.86	40.87
9.5	1.61	29.79	3.55	37.28	1.72	35.62	4.03	41.77
10	1.72	31.23	3.80	38.48	1.81	36.97	4.37	43.04
10.5	1.79	32.34	3.96	38.59	1.92	38.01	4.57	43.67
11	1.94	34.00	4.27	39.78	2.03	39.04	4.73	44.30
11.5	2.08	35.44	4.44	40.76	2.19	41.23	4.99	45.84
12	2.36	37.98	5.00	42.50	2.55	43.51	5.41	48.82
12.5	2.52	39.09	5.33	44.02	2.82	45.17	5.71	49.64
13	2.78	40.86	5.75	45.00	3.16	46.73	6.20	51.18
13.5	2.93	41.53	6.06	47.39	3.34	48.08	6.57	52.44
14	3.21	43.63	6.52	49.24	3.68	51.30	6.99	54.70
14.5	3.42	44.41	6.81	50.33	3.86	52.75	7.25	55.88
15	3.69	45.96	7.22	51.30	4.10	54.41	7.77	57.05
15.5	3.84	46.95	7.45	52.07	4.27	54.93	8.01	57.78
16	4.09	48.28	7.74	53.04	4.52	56.39	8.57	58.59
16.5	4.42	49.06	8.09	54.13	4.70	56.80	8.92	59.86
17	4.73	50.17	8.48	55.00	4.95	57.32	9.26	60.76
17.5	4.95	50.94	8.79	55.43	5.15	58.46	9.54	61.39
18	5.19	51.94	9.21	56.09	5.36	59.09	10.13	62.48
18.5	5.41	52.93	9.53	56.41	5.55	59.61	10.51	63.02
19	5.70	53.71	10.02	56.85	5.78	60.02	11.01	63.83
19.5	5.91	53.93	10.32	57.28	5.99	60.44	11.29	64.29
20	6.24	54.82	10.81	59.57	6.24	62.10	11.89	66.64
20.5	6.49	55.59	11.02	60.43	6.36	62.41	12.20	67.00
21	6.76	57.14	11.36	61.41	6.62	63.34	12.64	67.99
21.5	7.00	57.59	11.60	61.96	6.78	63.86	12.91	68.63
22	7.28	58.14	11.99	62.83	7.07	64.80	13.27	69.08
22.5	7.55	58.58	12.35	63.15	7.22	65.42	13.64	70.16
23	7.90	59.36	12.74	63.91	7.52	66.04	14.20	70.98
23.5	8.17	60.58	13.17	64.78	7.76	67.60	14.57	71.61
24	8.60	62.13	13.89	65.76	8.31	69.06	15.25	72.78
24.5	8.90	62.57	14.42	66.63	8.66	69.68	15.69	73.24
25	9.32	64.12	15.11	68.26	8.99	70.61	16.28	74.32
25.5	9.60	65.12	15.51	69.13	9.26	71.24	16.79	75.05
26	9.99	66.11	16.22	70.76	9.63	71.96	17.28	75.68
26.5	10.37	67.33	16.85	71.09	9.96	73.10	17.65	76.31
27	10.93	68.33	17.70	72.39	10.56	74.25	18.51	77.67
27.5	11.28	69.10	18.21	73.37	10.86	74.87	19.01	78.75
28	11.90	70.21	19.24	74.24	11.42	75.80	19.81	79.66
28.5	12.31	71.10	19.88	75.00	11.75	76.32	20.26	80.20
29	13.07	72.31	20.87	75.87	12.40	77.05	21.21	81.19
29.5	13.48	72.43	21.48	76.74	12.80	77.67	21.84	81.56
30	14.08	73.20	22.24	78.15	13.34	78.61	22.58	82.19
30.5	14.45	73.31	22.75	78.59	13.73	79.02	23.09	82.91
31	15.04	74.31	23.79	79.78	14.31	79.85	24.09	84.09
31.5	15.50	74.86	24.43	80.33	14.71	80.17	24.54	84.72
32	16.04	75.86	25.22	80.65	15.25	80.58	25.31	85.53
32.5	16.62	76.41	25.86	81.41	15.78	80.79	26.00	85.99
33	17.23	77.08	26.69	82.07	16.32	81.31	26.75	86.62
33.5	17.61	77.74	27.29	82.83	16.75	81.62	27.35	87.16
34	18.37	78.85	28.30	83.80	17.35	82.45	28.05	87.79
34.5	18.96	79.62	29.04	84.67	17.81	83.18	28.76	88.07
35	19.81	81.06	30.11	84.78	18.67	83.80	29.75	88.52
35.5	20.10	81.40	30.48	85.54	18.91	84.01	30.24	88.70
36	21.00	82.28	31.77	86.52	19.65	84.53	31.52	89.24
36.5	21.34	82.50	32.16	86.52	20.00	84.74	32.01	89.42
37	22.43	83.17	33.63	87.83	20.99	85.25	33.13	89.78
37.5	22.87	83.61	34.16	88.04	21.39	85.57	33.58	90.24
38	23.93	84.50	35.40	88.70	22.39	86.09	34.66	90.60
38.5	24.38	84.61	35.82	88.91	22.74	86.40	35.10	90.69
39	25.20	85.38	36.89	89.13	23.55	87.33	36.05	91.23
39.5	25.45	85.83	37.24	89.35	23.84	87.54	36.47	91.32
40	26.11	86.71	38.12	89.67	24.43	87.75	37.16	91.59
40.5	26.68	87.04	38.67	90.11	24.98	88.27	37.73	91.77
41	27.49	87.49	39.65	90.54	25.68	88.89	38.67	92.04
41.5	27.84	87.71	39.98	90.65	26.00	88.99	39.19	92.22
42	28.67	88.48	41.07	90.87	26.78	89.72	40.27	92.68
42.5	29.17	88.59	41.68	91.63	27.33	90.14	40.86	92.86
43	29.96	89.04	42.68	91.85	28.08	90.34	41.75	93.40
43.5	30.52	89.37	43.48	91.96	28.55	90.55	42.31	93.58
44	31.31	89.37	44.51	92.50	29.47	90.76	43.41	93.94
44.5	32.08	89.92	45.36	93.04	30.18	91.17	44.22	94.21
45	32.66	90.92	46.12	93.04	30.85	91.38	44.96	94.48
45.5	33.44	91.14	46.96	93.37	31.57	91.48	45.74	94.67
46	34.24	91.58	47.83	93.70	32.30	92.11	46.45	94.76
46.5	34.79	91.81	48.32	94.02	32.77	92.32	46.97	94.94
47	35.88	91.92	49.37	94.35	33.71	92.94	48.08	95.21
47.5	36.39	92.14	49.82	94.46	34.08	93.04	48.60	95.30
48	37.40	92.47	50.89	94.67	34.90	93.35	49.53	95.66
48.5	37.90	92.58	51.40	94.67	35.30	93.67	49.98	95.75
49	38.44	92.69	51.97	95.00	35.83	93.77	50.54	95.84
49.5	39.13	92.91	52.55	95.00	36.39	93.77	51.18	96.11
50	39.87	93.24	53.41	95.11	37.10	93.77	51.93	96.20
50.5	40.38	93.36	53.82	95.11	37.43	93.87	52.29	96.20
51	41.14	93.58	54.72	95.22	38.23	93.98	52.97	96.56
51.5	41.77	93.80	55.49	95.43	38.82	94.18	53.50	96.65
52	42.63	93.91	56.38	95.98	39.55	94.39	54.31	96.65
52.5	43.25	94.02	56.99	95.98	40.05	94.39	54.91	96.75
53	44.01	94.24	57.91	95.98	40.77	94.60	55.80	96.93
53.5	44.77	94.46	58.69	96.20	41.39	94.81	56.52	97.02
54	45.61	94.80	59.81	96.30	42.18	95.02	57.36	97.38
54.5	46.14	95.13	60.42	96.41	42.61	95.12	57.76	97.47
55	47.01	95.24	61.38	96.74	43.63	95.43	58.89	97.92
55.5	47.52	95.24	61.90	96.74	44.09	95.95	59.30	98.10
56	48.25	95.24	62.67	96.85	44.64	96.05	60.10	98.10
56.5	48.82	95.35	63.24	96.96	45.14	96.16	60.68	98.10
57	49.74	95.68	64.19	97.07	46.01	96.26	61.34	98.10
57.5	50.20	95.68	64.70	97.28	46.48	96.37	61.79	98.10
58	51.06	95.90	65.62	97.28	47.32	96.47	62.61	98.19
58.5	51.69	95.90	66.29	97.28	47.97	96.57	63.10	98.19
59	52.64	96.01	67.19	97.50	48.61	96.68	63.88	98.28
59.5	53.29	96.01	67.66	97.61	49.12	96.68	64.49	98.28
60	54.14	96.12	68.34	97.72	50.02	96.68	65.34	98.46
60.5	54.56	96.23	68.67	97.72	50.36	96.68	65.83	98.46
61	55.24	96.46	69.30	97.83	51.04	96.78	66.31	98.46
61.5	55.86	96.46	69.85	97.93	51.73	96.99	66.88	98.46
62	56.52	96.57	70.43	97.93	52.38	96.99	67.58	98.46
62.5	57.18	96.57	71.09	97.93	53.11	97.09	68.24	98.55
63	57.81	96.68	71.66	98.04	53.72	97.09	68.77	98.55
63.5	58.61	96.79	72.32	98.15	54.43	97.20	69.43	98.55
64	59.37	97.23	72.94	98.15	55.32	97.20	70.09	98.73
64.5	59.69	97.45	73.34	98.15	55.63	97.20	70.38	98.73
65	60.40	97.56	74.04	98.15	56.42	97.20	70.96	98.73
65.5	60.90	97.56	74.50	98.15	56.85	97.20	71.29	98.82
66	61.68	97.56	75.35	98.15	57.56	97.20	71.87	98.82
66.5	62.08	97.56	75.64	98.15	57.93	97.20	72.24	98.92
67	62.60	97.56	75.98	98.15	58.30	97.20	72.54	98.92
67.5	63.51	97.56	76.68	98.26	59.11	97.40	73.23	99.10
68	63.81	97.56	76.94	98.26	59.39	97.40	73.46	99.10
68.5	64.31	97.56	77.21	98.26	59.82	97.51	73.81	99.10
69	65.28	97.90	77.89	98.37	60.55	97.61	74.54	99.10
69.5	65.90	97.90	78.42	98.48	61.15	97.61	75.13	99.10
70	66.32	97.90	78.81	98.48	61.67	97.61	75.54	99.10
70.5	66.94	97.90	79.18	98.59	62.18	97.61	75.87	99.19
71	67.35	97.90	79.61	98.70	62.64	97.61	76.22	99.19
71.5	67.86	97.90	79.95	98.80	63.04	97.61	76.56	99.19
72	68.87	97.90	80.54	98.91	64.08	97.72	77.20	99.19
73	69.95	98.01	81.47	99.02	65.05	97.72	77.92	99.28
73.5	70.32	98.01	81.79	99.24	65.58	97.82	78.28	99.28
74	70.85	98.01	82.17	99.24	66.11	97.82	78.61	99.28
74.5	71.47	98.34	82.75	99.24	66.81	97.82	79.11	99.28
75	71.94	98.45	83.04	99.24	67.25	97.92	79.51	99.28
75.5	72.47	98.56	83.43	99.35	67.80	97.92	79.81	99.28
76	73.03	98.56	83.87	99.46	68.34	98.13	80.17	99.28
76.5	73.72	98.56	84.47	99.46	69.16	98.13	80.68	99.37
77	74.74	98.56	85.28	99.46	70.41	98.44	81.66	99.46
78	75.90	98.56	86.05	99.57	71.58	98.65	82.38	99.46
78.5	76.39	98.56	86.27	99.57	72.09	98.65	82.67	99.46
79	77.03	98.56	86.65	99.57	72.74	98.65	83.19	99.46
79.5	77.50	98.56	86.93	99.57	73.29	98.75	83.49	99.46
80	78.11	98.56	87.33	99.67	74.00	98.86	83.93	99.46
80.5	78.62	98.78	87.68	99.67	74.66	98.86	84.40	99.46
81	79.78	99.00	88.51	99.67	75.98	98.86	85.32	99.46
81.5	80.36	99.00	88.74	99.67	76.55	98.96	85.66	99.46
82	80.87	99.00	89.05	99.67	77.08	98.96	86.06	99.46
82.5	81.46	99.11	89.44	99.67	77.65	98.96	86.45	99.46
83	81.99	99.11	89.79	99.67	78.31	98.96	86.96	99.46
83.5	82.64	99.11	90.15	99.67	78.97	98.96	87.54	99.46
84	83.70	99.11	90.78	99.67	80.05	99.17	88.38	99.46
84.5	84.27	99.11	91.20	99.67	80.62	99.17	88.64	99.46
85	84.87	99.11	91.55	99.67	81.25	99.27	89.01	99.46
85.5	85.88	99.11	92.00	99.78	82.37	99.27	89.84	99.46
86	86.54	99.22	92.35	99.78	82.98	99.27	90.13	99.46
86.5	87.45	99.34	92.81	99.78	83.86	99.27	90.77	99.46
87	88.00	99.34	93.12	99.89	84.36	99.27	91.09	99.64
87.5	88.90	99.34	93.68	99.89	85.46	99.27	91.80	99.73
88	89.34	99.34	93.92	99.89	85.92	99.27	92.19	99.73
88.5	90.14	99.45	94.42	99.89	86.99	99.38	92.83	99.73
89	90.61	99.45	94.57	99.89	87.51	99.48	93.21	99.73
89.5	91.51	99.45	94.98	99.89	88.58	99.58	93.93	99.73
90	91.99	99.45	95.18	99.89	89.13	99.58	94.31	99.73
90.5	92.46	99.45	95.38	99.89	89.68	99.69	94.61	99.73
91	92.77	99.56	95.57	99.89	89.98	99.69	94.79	99.73
91.5	93.21	99.56	95.90	99.89	90.59	99.69	95.19	99.73
92	93.88	99.67	96.29	99.89	91.37	99.69	95.66	99.73
93	94.62	99.67	96.75	99.89	92.25	99.69	96.36	99.73
93.5	95.13	99.67	97.01	99.89	92.94	99.69	96.79	99.73
94	95.45	99.78	97.20	99.89	93.39	99.69	97.08	99.73
94.5	95.95	99.78	97.51	99.89	94.10	99.79	97.50	99.73
95	96.46	99.78	97.76	99.89	94.89	99.79	97.92	99.82
95.5	96.70	99.78	97.91	99.89	95.25	99.79	98.03	99.82
96	97.30	99.78	98.34	100.00	96.04	99.90	98.37	99.91
96.5	97.44	99.78	98.44	100.00	96.31	99.90	98.42	99.91
97	97.81	99.78	98.76	100.00	97.00	99.90	98.73	99.91
97.5	98.39	99.78	99.16	100.00	97.78	99.90	99.12	99.91
98	99.25	99.89	99.62	100.00	98.91	100.00	99.63	100.00
98.5	99.75	100.00	99.89	100.00	99.50	100.00	99.82	100.00
99	99.95	100.00	99.98	100.00	99.90	100.00	99.98	100.00
99.5	99.99	100.00	99.99	100.00	99.99	100.00	99.99	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)
Income ratio of tract
Percent

Score	Low (Good)	Low (Bad)	Moderate (Good)	Moderate (Bad)	Middle (Good)	Middle (Bad)	High (Good)	High (Bad)
0	0.00	0.00	0.01	0.27	0.00	0.14	0.00	0.00
0.5	0.20	1.63	0.07	2.12	0.03	2.00	0.02	1.24
1	1.59	8.13	0.58	9.28	0.24	7.25	0.13	5.53
1.5	1.85	10.57	0.67	10.93	0.29	8.96	0.14	6.66
2	1.92	11.92	0.84	13.92	0.40	10.46	0.21	8.58
2.5	2.25	14.91	1.07	15.18	0.51	12.14	0.26	10.72
3	2.51	17.07	1.44	17.83	0.68	14.18	0.34	12.08
3.5	2.84	18.97	1.66	20.01	0.80	15.89	0.40	13.43
4	3.04	23.04	1.99	21.47	0.94	17.18	0.45	15.35
4.5	3.24	25.20	2.11	22.07	0.99	17.68	0.48	15.69
5	3.84	27.91	2.45	25.84	1.21	20.79	0.60	18.62
5.5	4.23	29.54	2.91	28.63	1.44	23.11	0.70	20.77
6	4.70	33.06	3.18	31.35	1.64	25.68	0.81	21.78
6.5	5.03	33.60	3.35	32.60	1.75	26.75	0.91	22.91
7	5.62	35.23	3.68	34.66	1.96	28.57	1.03	24.72
7.5	5.75	36.04	3.85	35.85	2.05	29.75	1.10	25.17
8	6.22	38.48	4.25	37.97	2.22	31.71	1.20	26.75
8.5	6.22	39.30	4.44	38.77	2.33	32.36	1.25	27.20
9	6.61	39.84	4.67	39.70	2.47	33.29	1.35	28.33
9.5	7.01	40.11	4.91	40.76	2.57	34.39	1.40	28.89
10	7.47	41.73	5.27	41.82	2.77	35.50	1.45	30.25
10.5	7.67	42.01	5.46	42.48	2.90	36.25	1.51	31.26
11	8.00	43.63	5.67	43.74	3.11	37.18	1.59	32.28
11.5	8.53	45.53	5.96	44.67	3.29	38.75	1.69	34.54
12	9.26	47.70	6.55	47.12	3.69	40.96	1.94	37.25
12.5	9.59	49.32	6.90	47.91	3.95	42.11	2.10	38.83
13	9.99	50.68	7.56	49.17	4.31	43.57	2.34	39.95
13.5	10.38	52.03	7.90	50.76	4.53	44.75	2.51	41.76
14	10.91	53.66	8.59	53.15	4.87	46.96	2.77	44.13
14.5	11.44	54.74	8.94	53.94	5.09	48.46	2.89	45.03
15	12.17	56.10	9.53	55.27	5.45	49.96	3.09	46.39
15.5	12.50	56.37	9.81	56.06	5.71	50.68	3.22	47.40
16	13.10	57.72	10.43	57.46	6.02	51.96	3.41	48.65
16.5	13.36	58.81	10.96	58.32	6.32	52.54	3.57	50.23
17	13.96	59.62	11.38	59.44	6.69	53.29	3.80	51.02
17.5	14.35	62.06	11.74	60.11	6.93	53.96	3.97	51.69
18	14.75	62.87	12.29	60.77	7.29	55.04	4.16	52.93
18.5	15.28	63.14	12.60	61.23	7.57	55.54	4.37	53.50
19	16.01	63.41	13.02	61.76	7.93	56.43	4.63	53.95
19.5	16.60	63.69	13.39	62.09	8.18	56.82	4.80	54.74
20	17.39	67.21	14.03	64.68	8.63	59.00	5.07	55.98
20.5	17.86	68.02	14.34	65.34	8.87	59.61	5.24	57.00
21	18.52	68.56	14.87	66.93	9.19	60.61	5.49	58.24
21.5	18.85	70.19	15.12	67.40	9.42	61.36	5.68	58.47
22	19.31	70.46	15.66	67.99	9.76	62.43	5.92	59.03
22.5	19.84	71.27	16.04	68.99	10.07	62.86	6.05	59.26
23	20.83	72.63	16.63	69.78	10.49	63.75	6.31	59.82
23.5	21.36	73.44	17.17	70.71	10.84	64.93	6.52	60.72
24	22.22	73.71	18.09	71.90	11.46	66.36	6.96	62.30
24.5	23.08	73.98	18.60	72.56	11.89	67.11	7.20	63.09
25	24.47	74.25	19.32	73.89	12.42	68.43	7.49	63.88
25.5	25.20	75.34	19.84	74.62	12.76	69.11	7.74	64.56
26	26.26	76.42	20.57	75.35	13.27	69.89	8.07	65.91
26.5	26.72	78.32	21.26	76.28	13.72	70.79	8.39	66.37
27	27.78	79.67	22.25	77.67	14.47	71.93	8.94	67.04
27.5	28.51	81.03	22.95	78.26	14.86	72.86	9.16	67.61
28	29.56	82.66	24.09	78.86	15.61	73.89	9.68	68.28
28.5	30.42	82.66	24.72	79.32	16.09	74.75	9.98	69.07
29	31.28	83.20	25.81	80.05	16.95	75.93	10.64	70.43
29.5	31.94	83.47	26.42	80.52	17.50	76.64	11.02	70.77
30	33.00	84.01	27.21	81.11	18.23	77.64	11.53	71.90
30.5	33.73	84.01	27.75	81.25	18.70	78.25	11.85	72.46
31	35.19	84.82	28.79	82.24	19.48	78.96	12.45	74.27
31.5	35.58	85.37	29.43	82.70	19.95	79.50	12.85	74.61
32	36.18	86.45	30.24	83.50	20.59	80.04	13.41	75.17
32.5	36.90	86.45	31.08	84.29	21.21	80.50	13.87	75.62
33	37.70	86.45	31.82	84.82	21.93	81.36	14.43	76.41
33.5	38.16	87.26	32.43	85.35	22.46	81.89	14.82	76.75
34	39.15	87.80	33.34	86.02	23.23	82.79	15.45	77.54
34.5	39.88	87.80	34.23	86.48	23.83	83.39	15.98	78.44
35	41.47	87.80	35.34	87.14	24.76	84.00	16.92	79.01
35.5	42.00	88.35	35.67	87.41	25.10	84.29	17.17	79.57
36	42.92	89.16	36.83	88.34	26.13	85.04	18.09	79.80
36.5	43.52	89.16	37.32	88.47	26.56	85.29	18.36	80.25
37	45.04	89.43	38.68	89.20	27.77	85.96	19.32	80.81
37.5	45.57	89.43	39.13	89.53	28.24	86.32	19.69	81.49
38	47.16	89.97	40.32	90.06	29.38	86.93	20.68	82.28
38.5	47.49	89.97	40.79	90.19	29.75	87.11	21.15	82.62
39	48.48	90.51	41.78	90.59	30.65	87.96	21.98	83.52
39.5	49.14	90.51	42.20	90.72	30.95	88.21	22.27	83.63
40	50.07	90.79	43.05	90.92	31.64	88.86	22.91	83.75
40.5	50.60	91.33	43.71	90.99	32.20	89.29	23.48	84.42
41	51.59	91.87	44.65	91.39	32.99	89.68	24.24	84.76
41.5	51.92	92.41	45.01	91.45	33.38	89.79	24.61	85.10
42	53.04	92.95	46.02	91.92	34.31	90.11	25.44	86.12
42.5	53.90	93.50	46.68	92.18	34.85	90.54	25.93	87.02
43	55.16	93.77	47.58	92.58	35.72	90.96	26.77	87.13
43.5	55.49	94.04	48.26	92.71	36.31	91.25	27.33	87.13
44	57.01	94.31	49.36	93.04	37.22	91.61	28.26	87.70
44.5	57.87	94.31	50.07	93.64	38.05	92.04	28.97	88.15
45	58.80	94.85	50.84	93.90	38.73	92.39	29.64	88.49
45.5	59.33	95.39	51.58	94.04	39.53	92.54	30.30	88.71
46	60.52	95.66	52.44	94.43	40.30	92.86	31.02	89.05
46.5	60.91	95.66	52.96	94.63	40.80	93.04	31.57	89.62
47	62.57	95.94	54.08	95.16	41.79	93.36	32.65	89.73
47.5	62.90	95.94	54.57	95.23	42.18	93.46	33.21	89.84
48	63.89	96.75	55.39	95.43	43.17	93.89	34.12	90.18
48.5	64.22	96.75	55.98	95.49	43.63	94.04	34.64	90.29
49	64.81	96.75	56.46	95.83	44.24	94.18	35.19	90.41
49.5	65.01	96.75	57.05	95.89	44.91	94.32	35.77	90.63
50	65.67	97.02	57.86	95.96	45.66	94.50	36.61	90.86
50.5	66.14	97.02	58.22	95.96	46.08	94.57	37.03	90.86
51	66.93	97.02	58.94	96.09	46.93	94.82	37.78	91.08
51.5	67.20	97.02	59.52	96.16	47.61	94.96	38.43	91.54
52	67.59	97.02	60.35	96.16	48.46	95.25	39.26	92.10
52.5	68.52	97.02	60.86	96.16	49.05	95.36	39.87	92.10
53	68.85	97.29	61.68	96.22	49.86	95.57	40.70	92.33
53.5	69.91	97.29	62.54	96.49	50.63	95.82	41.31	92.33
54	70.90	97.56	63.41	96.62	51.53	96.18	42.14	92.78
54.5	71.10	97.56	63.80	96.62	52.01	96.29	42.68	93.23
55	71.76	97.83	64.81	97.02	52.96	96.39	43.73	93.57
55.5	72.62	97.83	65.23	97.08	53.48	96.54	44.18	94.13
56	73.35	97.83	65.90	97.15	54.23	96.61	44.89	94.36
56.5	74.01	97.83	66.40	97.22	54.81	96.68	45.40	94.47
57	74.74	97.83	67.24	97.28	55.63	96.75	46.33	95.03
57.5	75.00	97.83	67.58	97.35	56.11	96.86	46.88	95.15
58	75.60	98.10	68.31	97.61	56.99	96.86	47.80	95.49
58.5	76.32	98.37	68.94	97.61	57.57	96.89	48.42	95.60
59	77.31	98.37	69.63	97.81	58.34	97.07	49.34	95.71
59.5	77.84	98.37	70.09	97.95	58.93	97.07	49.97	95.71
60	78.57	98.37	70.77	98.14	59.82	97.14	50.83	95.82
60.5	78.90	98.37	71.13	98.14	60.27	97.25	51.24	95.82
61	79.43	98.65	71.80	98.21	60.90	97.43	51.95	95.94
61.5	79.96	98.65	72.37	98.41	61.54	97.50	52.63	96.05
62	80.89	98.65	72.93	98.41	62.16	97.54	53.38	96.16
62.5	81.68	98.92	73.55	98.41	62.89	97.64	54.07	96.50
63	82.28	98.92	74.08	98.54	63.45	97.71	54.73	96.50
63.5	82.61	98.92	74.67	98.54	64.13	97.89	55.58	96.50
64	82.94	98.92	75.38	98.74	64.91	98.04	56.46	96.84
64.5	83.07	98.92	75.71	98.74	65.22	98.07	56.79	96.95
65	83.47	99.19	76.42	98.81	65.90	98.11	57.57	97.07
65.5	83.66	99.19	76.81	98.87	66.31	98.14	58.06	97.07
66	84.13	99.19	77.40	98.87	67.03	98.14	58.89	97.18
66.5	84.39	99.19	77.79	98.94	67.41	98.18	59.28	97.18
67	84.66	99.19	78.10	98.94	67.83	98.21	59.70	97.18
67.5	85.45	99.46	78.75	98.94	68.66	98.43	60.61	97.29
68	85.71	99.46	79.00	98.94	68.95	98.43	60.87	97.29
68.5	86.05	99.46	79.26	98.94	69.32	98.46	61.41	97.29
69	86.24	99.46	79.88	98.94	70.14	98.57	62.27	97.52
69.5	86.44	99.73	80.33	99.01	70.66	98.57	63.03	97.52
70	86.71	99.73	80.74	99.01	71.08	98.57	63.54	97.52
70.5	87.30	99.73	81.14	99.07	71.54	98.61	64.10	97.52
71	87.63	99.73	81.44	99.14	71.95	98.71	64.55	97.52
71.5	87.90	99.73	81.73	99.20	72.35	98.71	65.04	97.52
72	88.49	99.73	82.31	99.20	73.17	98.79	66.12	97.52
73	89.22	99.73	82.96	99.20	74.09	98.79	67.17	97.86
73.5	89.35	99.73	83.30	99.27	74.52	98.86	67.61	97.97
74	89.81	99.73	83.62	99.27	74.97	98.86	68.12	97.97
74.5	90.34	99.73	84.08	99.34	75.55	98.89	68.82	98.08
75	90.67	99.73	84.44	99.47	75.97	98.96	69.26	98.08
75.5	91.20	99.73	84.77	99.54	76.43	99.00	69.81	98.08
76	91.47	99.73	85.03	99.60	76.91	99.11	70.32	98.08
76.5	91.80	99.73	85.41	99.60	77.54	99.14	71.12	98.08
77	92.59	99.73	86.13	99.67	78.53	99.21	72.34	98.31
78	92.92	99.73	87.00	99.67	79.44	99.32	73.51	98.31
78.5	92.99	99.73	87.22	99.67	79.87	99.32	73.94	98.31
79	93.12	99.73	87.63	99.67	80.43	99.32	74.58	98.31
79.5	93.39	99.73	87.88	99.67	80.87	99.36	75.02	98.31
80	93.92	99.73	88.19	99.73	81.41	99.39	75.65	98.31
80.5	93.98	99.73	88.51	99.73	81.88	99.39	76.31	98.53
81	94.51	99.73	89.39	99.73	82.89	99.43	77.51	98.65
81.5	94.71	99.73	89.61	99.80	83.37	99.43	78.07	98.65
82	94.78	99.73	89.91	99.80	83.83	99.43	78.53	98.65
82.5	94.91	99.73	90.29	99.80	84.34	99.46	79.06	98.65
83	95.11	99.73	90.57	99.80	84.85	99.46	79.72	98.65
83.5	95.17	99.73	90.92	99.80	85.43	99.50	80.36	98.65
84	95.24	99.73	91.40	99.80	86.28	99.54	81.48	98.76
84.5	95.37	99.73	91.71	99.80	86.73	99.54	81.99	98.76
85	95.50	99.73	92.00	99.80	87.25	99.54	82.54	98.87
85.5	95.70	99.73	92.64	99.87	88.10	99.54	83.61	98.87
86	95.70	99.73	92.89	99.93	88.61	99.54	84.21	98.87
86.5	96.23	99.73	93.35	99.93	89.28	99.57	85.10	98.87
87	96.30	99.73	93.49	99.93	89.68	99.64	85.68	99.10
87.5	96.43	99.73	93.93	99.93	90.40	99.64	86.80	99.21
88	96.43	99.73	94.14	99.93	90.74	99.64	87.32	99.21
88.5	96.63	99.73	94.62	100.00	91.46	99.68	88.25	99.21
89	96.83	99.73	94.80	100.00	91.84	99.71	88.80	99.21
89.5	97.09	99.73	95.32	100.00	92.59	99.75	89.77	99.21
90	97.29	99.73	95.63	100.00	92.93	99.75	90.34	99.21
90.5	97.42	99.73	95.87	100.00	93.27	99.75	90.87	99.32
91	97.42	99.73	95.99	100.00	93.48	99.79	91.20	99.32
91.5	97.55	99.73	96.25	100.00	93.91	99.79	91.72	99.32
92	97.88	99.73	96.50	100.00	94.45	99.82	92.55	99.44
93	98.15	99.73	96.87	100.00	95.14	99.82	93.37	99.44
93.5	98.48	99.73	97.12	100.00	95.61	99.82	93.97	99.44
94	98.68	99.73	97.39	100.00	95.92	99.86	94.35	99.44
94.5	98.94	99.73	97.74	100.00	96.43	99.89	94.90	99.44
95	99.01	99.73	98.09	100.00	96.88	99.93	95.56	99.44
95.5	99.27	99.73	98.20	100.00	97.08	99.93	95.86	99.44
96	99.40	100.00	98.50	100.00	97.56	99.96	96.62	99.55
96.5	99.40	100.00	98.60	100.00	97.72	99.96	96.80	99.55
97	99.60	100.00	98.77	100.00	98.13	99.96	97.38	99.66
97.5	99.80	100.00	99.15	100.00	98.66	99.96	98.01	99.66
98	99.93	100.00	99.62	100.00	99.36	99.96	99.04	100.00
98.5	99.93	100.00	99.90	100.00	99.72	100.00	99.64	100.00
99	100.00	100.00	100.00	100.00	99.95	100.00	99.91	100.00
99.5	100.00	100.00	100.00	100.00	100.00	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Return to figure

Figure 7.C. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Existing-Account Performance)

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

As shown in the figure, curves encompassed by the ellipses are the data for goods and bads respectively.

Figure 7.C. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Existing-Account Performance)
Race or ethnicity (SSA data)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.05	0.00	0.15	0.00	0.02	0.00	0.00
0.5	0.01	1.39	0.06	2.21	0.02	1.39	0.00	0.86
1	0.04	5.55	0.42	9.74	0.06	6.11	0.06	5.16
1.5	0.05	6.92	0.50	11.66	0.06	7.52	0.06	6.14
2	0.07	8.64	0.64	14.19	0.10	9.55	0.09	7.50
2.5	0.08	9.90	0.76	16.58	0.12	11.02	0.09	8.36
3	0.11	11.91	1.01	19.59	0.21	13.62	0.09	9.96
3.5	0.15	13.59	1.16	22.11	0.29	15.24	0.11	12.05
4	0.18	15.34	1.27	24.82	0.34	16.93	0.14	13.41
4.5	0.19	15.91	1.31	25.72	0.41	17.57	0.15	14.18
5	0.26	18.44	1.61	29.56	0.51	20.50	0.18	16.50
5.5	0.32	20.44	1.95	32.60	0.67	23.02	0.24	18.93
6	0.38	22.52	2.20	35.44	0.78	24.78	0.32	20.41
6.5	0.41	23.54	2.35	37.01	0.85	26.07	0.36	21.09
7	0.48	25.57	2.71	39.57	1.00	28.48	0.38	22.51
7.5	0.50	26.40	2.92	40.61	1.07	29.40	0.41	23.59
8	0.57	27.97	3.19	42.50	1.20	31.00	0.46	24.61
8.5	0.59	28.73	3.30	43.35	1.35	31.55	0.46	25.35
9	0.63	29.81	3.49	44.92	1.44	32.42	0.51	26.19
9.5	0.67	30.65	3.64	45.87	1.50	33.66	0.56	26.54
10	0.74	31.78	3.92	47.46	1.57	34.90	0.58	27.79
10.5	0.79	32.57	4.10	48.36	1.69	35.76	0.59	28.01
11	0.86	33.79	4.41	49.75	1.84	36.91	0.66	29.42
11.5	0.91	35.08	4.62	51.56	1.95	38.27	0.69	30.65
12	1.02	37.81	5.12	54.37	2.18	41.04	0.74	34.21
12.5	1.09	39.31	5.57	55.77	2.35	42.25	0.82	36.05
13	1.20	41.05	5.93	57.38	2.64	43.64	0.95	37.33
13.5	1.27	42.66	6.28	58.88	2.75	45.04	1.01	39.56
14	1.41	45.56	6.92	61.52	3.01	48.06	1.07	42.13
14.5	1.47	47.01	7.36	62.84	3.14	49.72	1.16	43.43
15	1.58	49.20	7.76	64.92	3.42	51.72	1.26	45.41
15.5	1.68	50.28	8.15	66.03	3.59	52.81	1.32	46.98
16	1.81	52.01	8.69	67.71	3.82	54.64	1.41	48.51
16.5	1.91	53.17	9.24	68.76	4.10	56.02	1.53	49.11
17	2.04	54.54	9.74	69.83	4.57	57.54	1.64	50.03
17.5	2.14	55.39	10.10	70.74	4.75	58.33	1.72	50.68
18	2.29	56.64	10.62	71.75	5.04	59.46	1.84	52.16
18.5	2.39	57.50	10.97	72.55	5.22	60.24	1.92	52.51
19	2.56	58.65	11.34	73.44	5.56	61.46	2.13	53.28
19.5	2.65	59.35	11.69	74.01	5.79	62.23	2.27	54.05
20	2.83	61.23	12.29	76.35	6.10	64.87	2.44	55.22
20.5	2.92	62.02	12.66	77.18	6.34	65.85	2.56	56.37
21	3.07	63.12	13.15	78.29	6.85	66.93	2.65	57.54
21.5	3.19	63.66	13.43	78.90	7.04	67.53	2.72	58.48
22	3.37	64.53	14.01	79.73	7.40	68.61	2.96	58.81
22.5	3.52	65.14	14.44	80.37	7.72	69.21	3.10	59.51
23	3.69	66.13	15.20	81.30	8.05	70.26	3.29	60.24
23.5	3.85	67.18	15.62	82.18	8.48	71.62	3.39	60.93
24	4.14	68.70	16.45	83.44	8.97	73.56	3.74	62.16
24.5	4.32	69.53	16.91	84.07	9.50	74.39	3.87	62.80
25	4.58	70.41	17.66	84.78	10.06	75.54	4.03	63.85
25.5	4.75	71.05	18.34	85.34	10.45	76.14	4.24	64.27
26	4.99	71.83	19.12	86.31	11.07	77.09	4.40	66.09
26.5	5.22	72.67	19.71	86.95	11.48	78.08	4.68	66.95
27	5.60	73.92	20.59	87.76	12.35	79.09	5.06	67.73
27.5	5.80	74.63	21.43	88.22	12.87	80.03	5.27	68.36
28	6.19	75.58	22.35	88.91	13.86	80.65	5.67	69.53
28.5	6.42	76.20	22.98	89.35	14.51	81.24	5.96	70.16
29	6.94	77.29	24.22	89.96	15.51	82.17	6.38	71.27
29.5	7.23	78.03	24.85	90.17	16.05	82.65	6.55	71.65
30	7.61	78.82	25.92	90.67	16.80	83.50	7.08	72.56
30.5	7.86	79.42	26.53	90.99	17.20	83.78	7.38	73.43
31	8.36	80.28	27.73	91.56	18.24	84.54	8.03	74.51
31.5	8.63	80.78	28.22	91.85	18.75	85.05	8.26	75.06
32	9.04	81.41	29.05	92.33	19.59	85.69	8.60	75.57
32.5	9.39	81.91	29.76	92.60	20.43	86.17	9.08	76.59
33	9.83	82.45	30.67	92.86	21.07	86.60	9.48	77.86
33.5	10.21	82.82	31.50	93.19	21.75	87.02	9.82	78.60
34	10.67	83.49	32.44	93.54	22.43	87.58	10.32	79.68
34.5	11.14	83.93	33.18	93.84	23.17	87.99	10.66	80.31
35	11.78	84.85	34.52	94.17	24.24	88.57	11.41	81.54
35.5	12.01	85.14	34.93	94.33	24.66	88.94	11.73	82.11
36	12.73	85.77	36.03	94.66	25.74	89.68	12.39	82.90
36.5	13.06	86.03	36.48	94.72	26.26	89.88	12.75	83.23
37	13.83	86.56	37.93	95.04	27.59	90.40	13.67	83.64
37.5	14.13	86.84	38.54	95.14	28.04	90.57	13.91	83.76
38	14.88	87.49	40.01	95.41	29.29	91.09	14.72	84.22
38.5	15.18	87.68	40.60	95.63	29.69	91.40	15.03	84.33
39	15.79	88.31	41.62	95.89	30.76	91.85	15.99	84.89
39.5	16.02	88.53	42.06	95.96	31.13	91.98	16.24	84.99
40	16.54	88.92	42.82	96.05	31.77	92.30	16.78	85.52
40.5	16.95	89.19	43.54	96.25	32.34	92.40	17.30	86.12
41	17.54	89.59	44.61	96.42	33.28	92.65	18.02	86.66
41.5	17.81	89.78	45.04	96.47	33.81	92.74	18.40	86.80
42	18.47	90.27	46.19	96.70	34.88	93.01	19.15	87.18
42.5	18.87	90.50	47.04	96.79	35.44	93.26	19.57	87.40
43	19.49	90.89	48.10	97.04	36.40	93.45	20.21	87.93
43.5	19.92	91.14	48.70	97.14	37.03	93.56	20.76	88.15
44	20.63	91.45	49.89	97.33	38.09	94.04	21.63	88.37
44.5	21.26	91.74	50.70	97.45	38.91	94.18	22.24	88.78
45	21.79	91.96	51.56	97.50	39.76	94.53	22.86	89.09
45.5	22.38	92.25	52.49	97.55	40.57	94.73	23.51	89.22
46	23.01	92.60	53.33	97.68	41.43	94.93	24.23	89.53
46.5	23.44	92.77	53.83	97.75	41.93	95.11	24.90	89.85
47	24.34	93.05	54.87	97.85	43.07	95.40	25.91	90.13
47.5	24.73	93.17	55.40	97.89	43.54	95.45	26.50	90.41
48	25.67	93.36	56.38	97.97	44.57	95.77	27.43	90.64
48.5	26.14	93.51	56.91	98.00	45.03	95.97	27.93	90.86
49	26.67	93.64	57.53	98.12	45.70	96.09	28.47	91.07
49.5	27.23	93.85	58.15	98.16	46.42	96.20	29.08	91.40
50	27.95	94.00	59.16	98.24	47.37	96.35	29.94	91.51
50.5	28.30	94.11	59.60	98.31	47.84	96.40	30.41	91.72
51	29.00	94.28	60.35	98.37	48.75	96.46	31.39	92.03
51.5	29.51	94.41	60.83	98.40	49.45	96.51	31.96	92.45
52	30.22	94.64	61.41	98.45	50.37	96.69	32.99	92.84
52.5	30.72	94.75	61.98	98.52	51.08	96.84	33.77	92.95
53	31.41	94.90	62.69	98.61	51.97	96.88	34.77	93.27
53.5	32.02	95.03	63.47	98.67	52.63	96.95	35.67	93.68
54	32.78	95.25	64.19	98.74	53.57	97.12	36.79	94.12
54.5	33.16	95.33	64.56	98.82	54.04	97.16	37.51	94.13
55	33.99	95.46	65.45	98.88	55.04	97.26	38.67	94.23
55.5	34.45	95.54	66.07	98.90	55.62	97.34	39.18	94.34
56	35.18	95.67	66.70	98.94	56.63	97.42	40.06	94.55
56.5	35.65	95.72	67.16	98.94	57.27	97.45	40.80	94.66
57	36.42	95.88	67.72	98.97	58.27	97.55	41.77	94.77
57.5	36.87	95.96	68.02	98.98	58.76	97.70	42.40	95.09
58	37.65	96.06	68.57	99.01	59.72	97.85	43.24	95.19
58.5	38.19	96.16	68.99	99.06	60.37	97.93	43.97	95.30
59	38.96	96.33	69.73	99.10	61.20	98.02	44.92	95.53
59.5	39.53	96.38	70.17	99.12	61.77	98.15	45.56	95.53
60	40.40	96.49	70.96	99.19	62.68	98.32	46.72	95.74
60.5	40.80	96.54	71.30	99.22	63.19	98.40	47.36	95.74
61	41.47	96.59	71.92	99.25	63.78	98.43	47.97	95.85
61.5	42.12	96.65	72.43	99.29	64.41	98.49	48.72	95.85
62	42.77	96.74	72.95	99.31	65.12	98.52	49.53	95.86
62.5	43.48	96.80	73.50	99.35	65.77	98.57	50.66	96.06
63	44.17	96.90	74.02	99.39	66.21	98.66	51.42	96.17
63.5	44.91	97.02	74.58	99.43	66.84	98.79	52.28	96.39
64	45.67	97.11	75.06	99.46	67.65	98.84	53.10	96.59
64.5	46.04	97.13	75.38	99.47	68.07	98.86	53.46	96.59
65	46.80	97.21	75.81	99.47	68.73	98.96	54.38	96.70
65.5	47.28	97.26	76.09	99.49	69.03	98.97	54.97	96.71
66	48.04	97.33	76.58	99.51	69.61	99.02	55.79	96.81
66.5	48.46	97.35	76.83	99.51	70.19	99.02	56.48	96.87
67	48.89	97.37	77.03	99.52	70.56	99.02	56.80	96.87
67.5	49.79	97.47	77.81	99.53	71.43	99.09	58.02	97.19
68	50.09	97.50	78.06	99.53	71.74	99.11	58.32	97.19
68.5	50.50	97.52	78.30	99.55	72.10	99.11	58.78	97.19
69	51.44	97.63	78.84	99.55	72.83	99.12	59.76	97.19
69.5	52.03	97.68	79.12	99.56	73.31	99.12	60.36	97.30
70	52.58	97.71	79.46	99.59	73.77	99.17	61.00	97.30
70.5	53.16	97.75	79.90	99.60	74.21	99.17	61.49	97.40
71	53.64	97.78	80.15	99.62	74.61	99.20	62.02	97.40
71.5	54.05	97.83	80.46	99.62	74.98	99.22	62.41	97.40
72	55.05	97.92	81.00	99.64	75.75	99.30	63.48	97.61
73	56.19	98.01	81.78	99.70	76.52	99.37	64.76	97.73
73.5	56.70	98.06	82.01	99.73	76.82	99.43	65.12	97.73
74	57.26	98.10	82.41	99.73	77.18	99.43	65.69	97.73
74.5	58.16	98.17	82.88	99.73	77.81	99.46	66.34	97.88
75	58.96	98.23	83.40	99.75	78.44	99.49	66.92	97.89
75.5	59.59	98.27	83.73	99.77	78.90	99.49	67.61	97.89
76	60.18	98.30	84.05	99.78	79.27	99.50	68.15	97.90
76.5	60.92	98.35	84.58	99.79	79.79	99.52	68.82	97.90
77	62.38	98.46	85.40	99.80	81.00	99.55	70.64	98.43
78	63.74	98.53	85.99	99.82	81.86	99.58	71.74	98.45
78.5	64.32	98.56	86.17	99.82	82.18	99.58	72.22	98.45
79	65.15	98.61	86.56	99.83	82.65	99.62	72.77	98.57
79.5	65.75	98.65	86.83	99.83	83.11	99.62	73.33	98.77
80	66.49	98.67	87.36	99.83	83.62	99.65	74.03	98.88
80.5	67.29	98.70	87.95	99.83	84.13	99.65	74.65	98.88
81	68.75	98.76	88.54	99.83	84.93	99.65	75.88	98.99
81.5	69.41	98.79	88.78	99.83	85.34	99.68	76.50	98.99
82	70.05	98.82	89.07	99.83	85.69	99.70	77.07	98.99
82.5	70.76	98.84	89.44	99.83	86.10	99.70	77.77	98.99
83	71.48	98.90	89.82	99.83	86.49	99.74	78.32	99.10
83.5	72.43	98.94	90.27	99.83	86.97	99.75	78.98	99.21
84	73.60	98.99	90.76	99.83	87.71	99.75	80.00	99.33
84.5	74.25	99.03	91.09	99.83	88.13	99.75	80.41	99.33
85	74.90	99.07	91.44	99.84	88.44	99.75	80.91	99.33
85.5	76.24	99.11	92.05	99.84	89.19	99.75	81.84	99.34
86	77.02	99.12	92.36	99.86	89.51	99.76	82.31	99.34
86.5	77.95	99.14	92.77	99.86	90.13	99.80	83.14	99.34
87	78.50	99.18	93.05	99.87	90.35	99.81	83.55	99.34
87.5	79.62	99.21	93.51	99.90	90.90	99.81	84.38	99.34
88	80.17	99.24	93.67	99.90	91.18	99.83	84.85	99.35
88.5	81.28	99.31	94.03	99.91	91.65	99.83	85.68	99.46
89	81.89	99.34	94.21	99.92	91.88	99.84	86.25	99.46
89.5	83.19	99.38	94.64	99.93	92.44	99.84	87.14	99.55
90	83.86	99.42	94.84	99.93	92.74	99.84	87.62	99.56
90.5	84.52	99.47	94.95	99.93	93.10	99.87	88.15	99.56
91	84.92	99.50	95.07	99.93	93.25	99.87	88.54	99.56
91.5	85.58	99.53	95.25	99.93	93.52	99.87	89.06	99.57
92	86.55	99.56	95.65	99.95	93.98	99.87	89.72	99.57
93	87.92	99.62	96.16	99.95	94.60	99.87	90.73	99.68
93.5	89.06	99.68	96.51	99.95	95.18	99.90	91.41	99.69
94	90.00	99.71	96.89	99.95	95.53	99.92	92.00	99.81
94.5	91.48	99.79	97.31	99.96	96.18	99.94	92.97	99.82
95	92.67	99.81	97.61	99.96	96.69	99.97	93.82	99.82
95.5	93.14	99.83	97.72	99.96	96.93	99.97	94.15	99.82
96	94.35	99.86	98.12	99.97	97.50	99.97	95.18	99.87
96.5	94.71	99.86	98.25	99.97	97.64	99.97	95.46	99.87
97	95.62	99.89	98.52	99.99	98.02	99.97	96.29	99.97
97.5	96.85	99.94	98.95	99.99	98.56	99.98	97.28	99.98
98	98.54	99.96	99.63	100.00	99.36	100.00	98.59	99.99
98.5	99.46	100.00	99.86	100.00	99.76	100.00	99.47	100.00
99	99.87	100.00	99.95	100.00	99.95	100.00	99.85	100.00
99.5	99.97	100.00	100.00	100.00	100.00	100.00	99.92	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.C. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Existing-Account Performance)
Race or ethnicity (location-based distribution)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.07	0.00	0.10	0.00	0.06	0.00	0.07
0.5	0.01	1.46	0.03	2.02	0.02	1.64	0.01	1.71
1	0.05	5.94	0.20	8.18	0.08	6.94	0.05	6.98
1.5	0.06	7.30	0.24	9.86	0.08	8.46	0.05	8.46
2	0.08	9.11	0.28	12.08	0.13	10.41	0.07	10.00
2.5	0.09	10.50	0.33	14.03	0.15	11.98	0.08	11.31
3	0.13	12.56	0.44	16.78	0.25	14.61	0.12	13.61
3.5	0.17	14.28	0.52	19.00	0.30	16.38	0.15	15.34
4	0.20	16.06	0.59	21.28	0.35	18.30	0.18	17.02
4.5	0.21	16.64	0.61	22.05	0.37	19.03	0.21	17.67
5	0.27	19.33	0.76	25.56	0.48	21.96	0.27	20.32
5.5	0.34	21.46	0.92	28.24	0.60	24.33	0.34	22.40
6	0.40	23.56	1.04	30.80	0.70	26.41	0.39	24.30
6.5	0.43	24.68	1.10	32.08	0.76	27.64	0.43	25.49
7	0.50	26.77	1.25	34.34	0.89	29.71	0.47	27.25
7.5	0.53	27.65	1.33	35.29	0.95	30.64	0.51	28.12
8	0.60	29.26	1.45	36.95	1.04	32.22	0.56	29.54
8.5	0.63	30.02	1.51	37.69	1.11	32.86	0.58	30.24
9	0.68	31.09	1.61	39.07	1.16	33.92	0.63	31.07
9.5	0.71	31.91	1.68	40.14	1.23	34.89	0.66	31.79
10	0.78	33.06	1.84	41.62	1.30	36.09	0.73	33.10
10.5	0.83	33.85	1.97	42.41	1.38	36.89	0.77	33.88
11	0.89	35.07	2.14	43.86	1.48	38.08	0.87	35.05
11.5	0.95	36.41	2.21	45.48	1.56	39.48	0.91	36.33
12	1.06	39.17	2.44	48.21	1.73	41.92	1.04	39.42
12.5	1.15	40.64	2.60	49.62	1.85	43.18	1.13	40.61
13	1.26	42.34	2.78	51.36	2.06	44.68	1.27	42.15
13.5	1.33	43.91	2.94	52.76	2.15	46.21	1.35	43.90
14	1.47	46.65	3.24	55.53	2.35	48.98	1.46	46.76
14.5	1.53	48.14	3.44	56.80	2.48	50.30	1.52	47.90
15	1.65	50.35	3.62	58.76	2.71	52.19	1.66	49.81
15.5	1.74	51.45	3.79	59.81	2.86	53.31	1.75	50.99
16	1.87	53.14	4.07	61.37	3.06	55.12	1.87	52.94
16.5	1.98	54.29	4.32	62.30	3.26	56.22	2.01	54.04
17	2.12	55.57	4.62	63.59	3.52	57.69	2.21	55.38
17.5	2.22	56.40	4.83	64.56	3.66	58.42	2.31	56.02
18	2.37	57.63	5.06	65.70	3.88	59.61	2.45	57.24
18.5	2.48	58.50	5.23	66.48	4.03	60.30	2.56	57.87
19	2.65	59.61	5.49	67.53	4.26	61.34	2.75	58.82
19.5	2.75	60.31	5.73	68.10	4.42	62.02	2.85	59.63
20	2.93	62.38	6.07	70.71	4.73	64.57	3.07	61.85
20.5	3.03	63.24	6.26	71.64	4.90	65.49	3.20	62.87
21	3.21	64.38	6.53	72.76	5.17	66.66	3.39	63.93
21.5	3.32	64.97	6.71	73.43	5.36	67.22	3.52	64.69
22	3.51	65.85	7.07	74.29	5.66	68.12	3.77	65.55
22.5	3.66	66.44	7.32	74.99	5.91	68.68	3.92	66.20
23	3.84	67.46	7.68	75.92	6.22	69.54	4.12	67.06
23.5	4.00	68.48	7.92	76.86	6.50	70.56	4.32	67.92
24	4.30	69.95	8.46	78.25	6.99	72.26	4.61	69.38
24.5	4.49	70.72	8.75	78.97	7.31	72.98	4.82	70.14
25	4.74	71.62	9.23	79.72	7.77	73.88	5.08	71.06
25.5	4.92	72.24	9.58	80.33	8.09	74.59	5.26	71.59
26	5.17	73.06	10.05	81.30	8.54	75.45	5.53	72.38
26.5	5.41	73.89	10.41	81.96	8.88	76.28	5.77	73.14
27	5.80	75.06	10.99	82.85	9.50	77.37	6.17	74.05
27.5	6.01	75.75	11.43	83.37	9.86	78.06	6.42	74.78
28	6.42	76.69	12.05	84.25	10.50	78.74	6.83	75.67
28.5	6.66	77.31	12.41	84.73	10.95	79.34	7.10	76.38
29	7.19	78.23	13.25	85.52	11.74	80.34	7.68	77.32
29.5	7.47	78.86	13.69	85.87	12.20	80.80	7.99	77.77
30	7.88	79.61	14.38	86.54	12.83	81.63	8.44	78.69
30.5	8.14	80.16	14.73	86.90	13.18	82.04	8.68	79.16
31	8.65	80.95	15.53	87.60	13.93	82.93	9.24	80.09
31.5	8.93	81.43	15.90	87.99	14.35	83.32	9.52	80.46
32	9.35	82.07	16.51	88.52	15.00	83.89	9.95	81.04
32.5	9.70	82.56	17.03	88.80	15.59	84.43	10.37	81.53
33	10.15	83.11	17.57	89.25	16.16	84.98	10.76	82.11
33.5	10.51	83.50	18.14	89.63	16.75	85.48	11.19	82.62
34	10.99	84.15	18.78	90.06	17.48	86.16	11.63	83.42
34.5	11.42	84.56	19.37	90.38	18.09	86.65	12.09	83.91
35	12.07	85.38	20.35	90.75	18.95	87.23	12.75	84.84
35.5	12.30	85.68	20.70	91.02	19.25	87.44	13.02	85.21
36	13.00	86.30	21.61	91.50	20.20	88.09	13.83	85.79
36.5	13.33	86.52	22.04	91.66	20.67	88.35	14.20	86.03
37	14.11	87.10	23.04	92.14	21.71	88.97	15.09	86.59
37.5	14.42	87.35	23.46	92.31	22.08	89.24	15.41	86.81
38	15.18	87.97	24.55	92.71	23.05	89.75	16.27	87.39
38.5	15.48	88.18	24.91	92.93	23.43	90.02	16.61	87.72
39	16.10	88.76	25.69	93.31	24.28	90.58	17.46	88.40
39.5	16.33	88.96	26.02	93.43	24.60	90.75	17.73	88.55
40	16.84	89.31	26.69	93.64	25.32	91.16	18.25	89.05
40.5	17.26	89.57	27.25	93.86	25.84	91.36	18.74	89.39
41	17.85	89.94	28.01	94.05	26.68	91.71	19.36	89.69
41.5	18.13	90.10	28.36	94.15	27.03	91.88	19.70	89.84
42	18.81	90.58	29.21	94.44	27.93	92.18	20.43	90.12
42.5	19.22	90.79	29.79	94.60	28.45	92.43	20.88	90.41
43	19.86	91.16	30.66	94.85	29.19	92.67	21.47	90.83
43.5	20.29	91.37	31.17	94.95	29.73	92.87	21.96	91.03
44	21.03	91.67	32.10	95.19	30.68	93.26	22.75	91.34
44.5	21.67	91.95	32.78	95.35	31.45	93.43	23.45	91.54
45	22.21	92.19	33.51	95.49	32.20	93.68	24.04	91.81
45.5	22.81	92.43	34.22	95.62	32.95	93.92	24.69	92.02
46	23.46	92.73	34.98	95.88	33.73	94.18	25.37	92.23
46.5	23.90	92.89	35.52	95.98	34.20	94.32	25.87	92.41
47	24.80	93.15	36.61	96.18	35.27	94.63	26.88	92.66
47.5	25.20	93.27	37.06	96.26	35.73	94.73	27.35	92.81
48	26.16	93.49	38.04	96.39	36.72	94.99	28.28	93.02
48.5	26.62	93.62	38.56	96.48	37.23	95.10	28.74	93.17
49	27.17	93.75	39.18	96.61	37.76	95.26	29.23	93.34
49.5	27.75	93.93	39.87	96.66	38.43	95.44	29.76	93.58
50	28.52	94.08	40.79	96.78	39.32	95.58	30.55	93.72
50.5	28.90	94.18	41.19	96.84	39.71	95.65	30.94	93.82
51	29.62	94.33	42.05	96.95	40.56	95.75	31.84	93.94
51.5	30.14	94.46	42.61	97.05	41.17	95.83	32.45	94.04
52	30.86	94.67	43.38	97.13	42.00	96.00	33.24	94.23
52.5	31.37	94.77	43.98	97.22	42.58	96.10	33.75	94.39
53	32.07	94.92	44.75	97.35	43.47	96.20	34.63	94.60
53.5	32.71	95.05	45.50	97.41	44.09	96.34	35.33	94.74
54	33.49	95.27	46.39	97.57	45.01	96.52	36.28	94.95
54.5	33.88	95.36	46.77	97.64	45.44	96.60	36.76	95.00
55	34.74	95.51	47.63	97.74	46.48	96.78	37.75	95.10
55.5	35.22	95.59	48.13	97.78	47.00	96.86	38.28	95.15
56	36.00	95.73	48.91	97.85	47.84	96.95	39.08	95.27
56.5	36.49	95.78	49.45	97.86	48.40	97.01	39.66	95.35
57	37.30	95.93	50.25	97.94	49.28	97.10	40.56	95.47
57.5	37.77	96.01	50.69	98.00	49.82	97.26	41.08	95.67
58	38.59	96.12	51.41	98.04	50.62	97.41	41.86	95.78
58.5	39.14	96.23	51.98	98.11	51.21	97.48	42.54	95.95
59	39.93	96.38	52.76	98.20	52.01	97.61	43.40	96.06
59.5	40.50	96.45	53.30	98.21	52.61	97.69	43.93	96.09
60	41.41	96.57	54.16	98.32	53.51	97.81	44.92	96.27
60.5	41.83	96.63	54.59	98.34	53.96	97.85	45.41	96.30
61	42.51	96.70	55.22	98.41	54.64	97.91	46.02	96.44
61.5	43.17	96.78	55.86	98.45	55.32	97.98	46.67	96.49
62	43.84	96.86	56.50	98.51	55.94	98.03	47.31	96.56
62.5	44.56	96.93	57.20	98.56	56.67	98.08	48.06	96.62
63	45.25	97.04	57.87	98.61	57.30	98.13	48.79	96.69
63.5	46.06	97.19	58.58	98.66	58.05	98.25	49.65	96.87
64	46.87	97.32	59.30	98.74	58.87	98.37	50.47	96.98
64.5	47.27	97.34	59.67	98.75	59.23	98.41	50.81	97.00
65	48.10	97.42	60.41	98.78	60.03	98.50	51.69	97.10
65.5	48.60	97.48	60.82	98.81	60.46	98.52	52.19	97.13
66	49.41	97.56	61.52	98.82	61.20	98.55	52.90	97.23
66.5	50.05	97.58	62.15	98.82	61.89	98.58	53.61	97.25
67	50.51	97.60	62.51	98.84	62.32	98.58	54.01	97.30
67.5	51.53	97.71	63.52	98.90	63.42	98.66	55.12	97.41
68	51.85	97.75	63.88	98.90	63.75	98.68	55.51	97.43
68.5	52.29	97.76	64.22	98.94	64.15	98.70	55.95	97.46
69	53.34	97.86	65.17	98.97	65.10	98.76	57.00	97.54
69.5	53.92	97.90	65.63	99.00	65.59	98.78	57.54	97.57
70	54.51	97.94	66.15	99.04	66.16	98.82	58.14	97.63
70.5	55.09	97.97	66.78	99.06	66.66	98.84	58.68	97.64
71	55.57	98.00	67.15	99.09	67.07	98.88	59.15	97.67
71.5	56.01	98.04	67.58	99.10	67.49	98.92	59.58	97.75
72	57.03	98.12	68.44	99.14	68.37	98.98	60.53	97.88
73	58.18	98.21	69.43	99.20	69.35	99.04	61.63	97.94
73.5	58.68	98.26	69.91	99.24	69.78	99.10	62.06	97.97
74	59.26	98.30	70.44	99.25	70.26	99.11	62.61	98.03
74.5	60.26	98.36	71.31	99.27	71.10	99.14	63.52	98.11
75	61.18	98.43	72.29	99.30	71.93	99.17	64.28	98.17
75.5	61.81	98.47	72.77	99.32	72.45	99.18	64.82	98.23
76	62.38	98.49	73.22	99.35	72.84	99.20	65.33	98.26
76.5	63.10	98.53	73.74	99.38	73.38	99.21	66.02	98.28
77	64.59	98.63	74.97	99.43	74.70	99.26	67.61	98.45
78	65.93	98.71	75.99	99.47	75.73	99.31	68.87	98.55
78.5	66.48	98.73	76.38	99.49	76.14	99.31	69.39	98.55
79	67.29	98.78	77.01	99.51	76.74	99.34	70.02	98.70
79.5	67.86	98.81	77.51	99.52	77.20	99.36	70.51	98.78
80	68.58	98.83	78.11	99.53	77.81	99.41	71.19	98.82
80.5	69.41	98.87	78.78	99.53	78.51	99.42	71.98	98.84
81	70.76	98.93	79.77	99.55	79.50	99.45	73.15	98.95
81.5	71.39	98.96	80.25	99.56	79.94	99.47	73.76	98.96
82	71.99	98.98	80.61	99.57	80.35	99.47	74.27	98.97
82.5	72.66	98.99	81.14	99.57	80.85	99.50	74.84	98.98
83	73.34	99.04	81.62	99.58	81.36	99.54	75.45	99.02
83.5	74.27	99.09	82.29	99.59	82.03	99.57	76.22	99.06
84	75.37	99.14	83.07	99.60	82.84	99.59	77.20	99.09
84.5	75.98	99.16	83.53	99.60	83.27	99.60	77.73	99.11
85	76.58	99.20	84.00	99.62	83.70	99.61	78.25	99.13
85.5	77.83	99.23	84.93	99.63	84.63	99.62	79.35	99.17
86	78.55	99.24	85.41	99.65	85.09	99.64	80.01	99.18
86.5	79.42	99.27	85.99	99.65	85.74	99.66	80.84	99.20
87	79.94	99.30	86.32	99.66	86.11	99.67	81.36	99.22
87.5	80.96	99.33	87.00	99.71	86.84	99.69	82.29	99.25
88	81.47	99.36	87.32	99.72	87.16	99.70	82.82	99.25
88.5	82.49	99.41	88.02	99.74	87.86	99.72	83.68	99.28
89	83.06	99.44	88.36	99.76	88.27	99.74	84.18	99.33
89.5	84.25	99.47	89.18	99.79	89.06	99.75	85.26	99.40
90	84.87	99.50	89.58	99.80	89.49	99.76	85.75	99.42
90.5	85.46	99.54	89.93	99.80	89.89	99.78	86.29	99.44
91	85.85	99.56	90.14	99.82	90.12	99.79	86.65	99.46
91.5	86.46	99.59	90.57	99.82	90.50	99.79	87.20	99.47
92	87.34	99.62	91.15	99.83	91.13	99.80	88.08	99.50
93	88.60	99.66	92.03	99.84	91.97	99.81	89.17	99.56
93.5	89.65	99.71	92.78	99.84	92.74	99.82	90.06	99.65
94	90.53	99.73	93.45	99.86	93.31	99.87	90.80	99.70
94.5	91.92	99.80	94.51	99.90	94.34	99.89	91.92	99.75
95	93.04	99.83	95.27	99.90	95.13	99.91	93.03	99.84
95.5	93.47	99.84	95.58	99.91	95.43	99.92	93.44	99.85
96	94.64	99.88	96.38	99.94	96.27	99.94	94.58	99.86
96.5	94.97	99.88	96.62	99.94	96.51	99.94	94.93	99.86
97	95.84	99.91	97.22	99.95	97.09	99.95	95.71	99.88
97.5	96.99	99.94	98.12	99.97	97.94	99.97	96.95	99.92
98	98.59	99.97	99.18	100.00	99.01	99.99	98.47	99.94
98.5	99.50	100.00	99.69	100.00	99.65	100.00	99.38	100.00
99	99.88	100.00	99.92	100.00	99.91	100.00	99.83	100.00
99.5	99.97	100.00	99.99	100.00	99.98	100.00	99.95	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.C. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Existing-Account Performance)
Sex
Percent

Score	Male (Good)	Male (Bad)	Female (Good)	Female (Bad)
0	0.00	0.06	0.00	0.09
0.5	0.01	1.43	0.01	1.77
1	0.05	6.08	0.08	7.08
1.5	0.06	7.50	0.09	8.60
2	0.08	9.35	0.12	10.58
2.5	0.10	10.95	0.14	12.08
3	0.15	13.18	0.18	14.46
3.5	0.19	15.06	0.23	16.33
4	0.23	16.95	0.27	18.29
4.5	0.24	17.57	0.28	18.99
5	0.31	20.41	0.37	21.96
5.5	0.39	22.69	0.46	24.30
6	0.45	24.94	0.53	26.43
6.5	0.50	26.12	0.57	27.60
7	0.59	28.35	0.65	29.69
7.5	0.64	29.38	0.68	30.49
8	0.73	31.05	0.75	32.08
8.5	0.76	31.89	0.78	32.74
9	0.82	33.08	0.84	33.86
9.5	0.86	33.99	0.88	34.76
10	0.93	35.25	0.97	35.98
10.5	0.98	36.05	1.03	36.80
11	1.08	37.31	1.12	38.06
11.5	1.14	38.56	1.18	39.65
12	1.26	41.09	1.32	42.65
12.5	1.37	42.59	1.41	44.03
13	1.51	44.22	1.54	45.77
13.5	1.60	45.69	1.62	47.42
14	1.78	48.30	1.76	50.44
14.5	1.87	49.67	1.83	51.97
15	2.02	51.85	1.97	54.05
15.5	2.14	52.99	2.07	55.14
16	2.29	54.71	2.23	56.82
16.5	2.43	55.92	2.36	57.87
17	2.61	57.24	2.53	59.14
17.5	2.73	58.15	2.64	59.92
18	2.92	59.36	2.80	61.10
18.5	3.06	60.12	2.90	61.96
19	3.27	61.30	3.08	63.00
19.5	3.40	62.01	3.18	63.65
20	3.61	64.19	3.38	65.55
20.5	3.73	65.11	3.50	66.30
21	3.93	66.22	3.69	67.38
21.5	4.06	66.86	3.81	67.92
22	4.31	67.74	4.02	68.73
22.5	4.47	68.32	4.20	69.38
23	4.67	69.26	4.40	70.40
23.5	4.88	70.35	4.58	71.39
24	5.23	71.82	4.90	72.93
24.5	5.46	72.60	5.11	73.66
25	5.78	73.56	5.39	74.47
25.5	6.00	74.17	5.60	75.10
26	6.31	75.08	5.87	75.93
26.5	6.60	75.96	6.12	76.68
27	7.05	77.11	6.55	77.76
27.5	7.32	77.78	6.77	78.45
28	7.83	78.69	7.19	79.34
28.5	8.15	79.33	7.44	79.85
29	8.81	80.26	7.94	80.77
29.5	9.15	80.74	8.25	81.39
30	9.62	81.53	8.69	82.04
30.5	9.93	81.99	8.95	82.60
31	10.52	82.70	9.51	83.46
31.5	10.83	83.18	9.79	83.89
32	11.29	83.74	10.26	84.51
32.5	11.70	84.23	10.65	84.93
33	12.20	84.73	11.11	85.42
33.5	12.64	85.13	11.50	85.81
34	13.24	85.78	11.93	86.38
34.5	13.75	86.25	12.39	86.75
35	14.50	86.98	13.05	87.50
35.5	14.75	87.29	13.29	87.76
36	15.55	87.89	14.02	88.31
36.5	15.93	88.14	14.34	88.47
37	16.86	88.72	15.12	88.91
37.5	17.22	88.98	15.43	89.09
38	18.14	89.53	16.18	89.65
38.5	18.49	89.75	16.46	89.86
39	19.23	90.21	17.08	90.45
39.5	19.48	90.40	17.33	90.62
40	20.05	90.76	17.85	90.90
40.5	20.49	91.04	18.30	91.11
41	21.18	91.34	18.89	91.46
41.5	21.50	91.53	19.19	91.57
42	22.24	91.89	19.89	92.02
42.5	22.68	92.10	20.32	92.21
43	23.35	92.46	20.98	92.54
43.5	23.83	92.67	21.41	92.70
44	24.63	92.95	22.18	92.99
44.5	25.30	93.19	22.82	93.23
45	25.88	93.43	23.39	93.41
45.5	26.52	93.59	24.00	93.69
46	27.24	93.89	24.63	93.94
46.5	27.73	94.04	25.05	94.08
47	28.67	94.32	25.96	94.33
47.5	29.12	94.40	26.36	94.43
48	30.10	94.61	27.28	94.57
48.5	30.62	94.73	27.70	94.70
49	31.20	94.87	28.21	94.83
49.5	31.80	95.01	28.78	94.99
50	32.61	95.14	29.49	95.14
50.5	33.03	95.25	29.80	95.22
51	33.76	95.38	30.52	95.37
51.5	34.32	95.48	31.02	95.47
52	35.05	95.67	31.75	95.63
52.5	35.60	95.77	32.26	95.75
53	36.35	95.90	32.95	95.87
53.5	37.02	96.01	33.56	95.99
54	37.83	96.23	34.32	96.14
54.5	38.26	96.30	34.69	96.21
55	39.09	96.41	35.58	96.32
55.5	39.59	96.48	36.03	96.40
56	40.43	96.57	36.69	96.50
56.5	40.94	96.60	37.16	96.56
57	41.76	96.72	37.92	96.67
57.5	42.23	96.79	38.37	96.75
58	43.04	96.85	39.15	96.86
58.5	43.61	96.95	39.69	96.94
59	44.47	97.10	40.40	97.06
59.5	45.05	97.15	40.95	97.12
60	45.91	97.25	41.84	97.23
60.5	46.32	97.29	42.27	97.29
61	47.01	97.34	42.90	97.35
61.5	47.64	97.39	43.57	97.41
62	48.30	97.45	44.21	97.48
62.5	49.01	97.49	44.93	97.57
63	49.69	97.59	45.59	97.65
63.5	50.43	97.73	46.32	97.74
64	51.19	97.81	47.10	97.83
64.5	51.56	97.83	47.46	97.84
65	52.31	97.90	48.21	97.89
65.5	52.78	97.96	48.65	97.93
66	53.54	98.03	49.39	97.96
66.5	53.97	98.05	49.83	97.96
67	54.41	98.08	50.21	97.97
67.5	55.30	98.16	51.12	98.04
68	55.60	98.20	51.43	98.05
68.5	56.02	98.22	51.83	98.06
69	56.96	98.28	52.68	98.13
69.5	57.53	98.31	53.25	98.16
70	58.01	98.33	53.84	98.22
70.5	58.61	98.38	54.36	98.24
71	59.08	98.41	54.80	98.26
71.5	59.51	98.44	55.18	98.31
72	60.48	98.50	56.14	98.38
73	61.59	98.58	57.22	98.47
73.5	62.00	98.63	57.75	98.52
74	62.54	98.66	58.30	98.53
74.5	63.29	98.72	59.25	98.58
75	64.07	98.77	59.98	98.64
75.5	64.67	98.81	60.59	98.67
76	65.26	98.83	61.11	98.68
76.5	65.96	98.86	61.84	98.73
77	67.39	98.94	63.27	98.83
78	68.67	98.99	64.54	98.90
78.5	69.18	98.99	65.10	98.92
79	69.93	99.05	65.89	98.96
79.5	70.47	99.06	66.48	99.00
80	71.13	99.07	67.24	99.04
80.5	71.85	99.09	68.05	99.05
81	73.16	99.12	69.44	99.09
81.5	73.80	99.13	70.06	99.13
82	74.37	99.14	70.67	99.14
82.5	75.06	99.16	71.31	99.15
83	75.69	99.18	72.02	99.22
83.5	76.55	99.19	72.90	99.26
84	77.62	99.24	74.02	99.29
84.5	78.27	99.27	74.59	99.31
85	78.83	99.29	75.22	99.34
85.5	80.01	99.32	76.51	99.37
86	80.75	99.34	77.17	99.37
86.5	81.65	99.36	78.02	99.40
87	82.17	99.39	78.52	99.42
87.5	83.16	99.42	79.59	99.45
88	83.64	99.44	80.13	99.48
88.5	84.57	99.50	81.21	99.51
89	85.11	99.53	81.80	99.53
89.5	86.15	99.58	83.11	99.56
90	86.71	99.60	83.77	99.58
90.5	87.27	99.63	84.40	99.61
91	87.64	99.65	84.77	99.63
91.5	88.19	99.65	85.44	99.68
92	89.01	99.67	86.38	99.70
93	90.17	99.73	87.73	99.72
93.5	91.11	99.77	88.86	99.75
94	91.86	99.79	89.81	99.79
94.5	93.01	99.84	91.33	99.85
95	93.99	99.87	92.52	99.86
95.5	94.40	99.87	92.98	99.87
96	95.38	99.89	94.20	99.91
96.5	95.69	99.89	94.55	99.91
97	96.43	99.91	95.49	99.94
97.5	97.41	99.95	96.75	99.97
98	98.81	99.95	98.47	100.00
98.5	99.53	99.99	99.47	100.00
99	99.88	100.00	99.89	100.00
99.5	99.96	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00

Figure 7.C. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Existing-Account Performance)
Age (years)
Percent

Score	Younger than 30 (Good)	Younger than 30 (Bad)	30-39 (Good)	30-39 (Bad)	40-49 (Good)	40-49 (Bad)	50-61 (Good)	50-61 (Bad)	62 or older (Good)	62 or older (Bad)
0	0.00	0.08	0.00	0.06	0.00	0.12	0.00	0.03	0.00	0.06
0.5	0.02	1.43	0.00	2.07	0.02	1.78	0.01	1.45	0.01	0.64
1	0.10	7.00	0.08	7.68	0.08	6.81	0.06	5.94	0.02	3.35
1.5	0.13	8.52	0.09	9.43	0.09	8.49	0.07	7.01	0.02	4.18
2	0.18	10.54	0.12	11.76	0.14	10.46	0.10	8.65	0.03	5.12
2.5	0.20	12.21	0.17	13.51	0.16	12.11	0.11	10.00	0.03	5.94
3	0.29	14.94	0.25	15.90	0.20	14.35	0.14	12.21	0.05	7.31
3.5	0.36	16.96	0.32	18.21	0.25	16.19	0.18	13.61	0.07	8.59
4	0.39	18.91	0.38	20.67	0.31	17.93	0.21	15.44	0.08	9.66
4.5	0.40	19.70	0.41	21.47	0.33	18.57	0.22	15.89	0.08	10.06
5	0.56	22.72	0.53	24.84	0.44	21.65	0.25	18.43	0.11	11.70
5.5	0.73	24.81	0.68	27.92	0.53	24.19	0.31	20.13	0.13	13.01
6	0.79	27.19	0.79	30.17	0.61	26.50	0.37	22.26	0.17	14.36
6.5	0.85	28.43	0.87	31.66	0.65	27.53	0.40	23.29	0.19	15.15
7	1.02	30.37	1.02	34.64	0.73	29.56	0.46	25.23	0.22	16.31
7.5	1.15	31.43	1.07	35.67	0.76	30.49	0.49	25.90	0.23	16.92
8	1.32	33.15	1.17	37.58	0.84	32.18	0.56	27.23	0.26	18.01
8.5	1.36	33.89	1.21	38.33	0.90	32.98	0.58	28.06	0.27	18.47
9	1.45	34.85	1.31	39.79	0.96	34.27	0.62	29.06	0.29	19.17
9.5	1.53	35.72	1.39	40.88	1.02	35.10	0.65	29.94	0.31	19.87
10	1.61	37.06	1.53	42.15	1.12	36.43	0.72	31.13	0.33	20.63
10.5	1.71	37.82	1.62	43.01	1.19	37.31	0.76	31.91	0.35	21.37
11	1.84	39.07	1.76	44.47	1.31	38.43	0.82	33.21	0.39	22.34
11.5	1.95	40.01	1.85	45.89	1.38	40.28	0.88	34.92	0.40	23.44
12	2.11	41.45	2.05	48.88	1.54	43.77	0.99	38.27	0.45	26.09
12.5	2.27	42.24	2.23	50.07	1.65	45.72	1.06	40.17	0.50	27.74
13	2.42	43.32	2.44	51.59	1.83	47.83	1.18	42.41	0.56	29.32
13.5	2.48	44.71	2.54	53.11	1.98	49.60	1.28	44.05	0.58	30.78
14	2.67	47.93	2.80	55.67	2.16	52.34	1.45	46.97	0.63	33.40
14.5	2.76	49.51	2.96	57.14	2.26	53.77	1.53	48.35	0.65	34.65
15	2.97	51.93	3.18	59.31	2.39	55.79	1.65	50.51	0.73	36.15
15.5	3.20	53.11	3.35	60.43	2.48	56.90	1.74	51.70	0.78	36.97
16	3.38	54.80	3.59	62.07	2.67	58.58	1.87	53.38	0.87	38.92
16.5	3.59	56.01	3.77	63.08	2.83	59.79	1.99	54.52	0.93	39.90
17	3.84	57.24	4.04	64.40	3.04	61.16	2.13	55.72	1.01	41.27
17.5	4.01	58.02	4.23	65.24	3.17	62.00	2.22	56.57	1.07	42.24
18	4.24	59.36	4.49	66.44	3.39	63.20	2.35	57.66	1.15	43.25
18.5	4.42	59.99	4.62	67.21	3.58	64.06	2.45	58.52	1.20	44.47
19	4.67	61.04	4.92	68.33	3.77	65.17	2.65	59.68	1.29	45.57
19.5	4.83	61.67	5.12	68.98	3.91	65.93	2.75	60.37	1.33	46.21
20	5.16	64.93	5.42	70.84	4.14	67.39	2.91	62.23	1.43	47.42
20.5	5.36	65.92	5.62	71.59	4.25	68.31	3.00	63.01	1.50	47.97
21	5.71	67.20	5.89	72.63	4.45	69.42	3.18	63.89	1.58	49.13
21.5	5.90	68.02	6.10	72.99	4.56	70.05	3.29	64.41	1.65	49.74
22	6.19	68.93	6.41	73.88	4.87	70.82	3.48	65.22	1.74	50.56
22.5	6.38	69.39	6.70	74.45	5.08	71.53	3.63	65.88	1.83	51.39
23	6.65	70.43	7.00	75.44	5.32	72.46	3.80	66.93	1.93	52.18
23.5	6.91	71.67	7.27	76.51	5.60	73.31	3.97	67.78	1.99	53.49
24	7.50	73.63	7.75	77.85	5.94	74.74	4.25	69.12	2.16	54.80
24.5	7.87	74.46	8.05	78.56	6.17	75.44	4.43	69.97	2.28	55.47
25	8.36	75.64	8.47	79.41	6.49	76.22	4.68	70.64	2.45	56.29
25.5	8.78	76.43	8.73	80.05	6.73	76.73	4.85	71.18	2.55	56.87
26	9.28	77.42	9.16	80.76	7.05	77.59	5.09	72.27	2.67	57.54
26.5	9.82	78.15	9.55	81.59	7.30	78.42	5.33	73.23	2.76	58.21
27	10.62	79.24	10.14	82.64	7.79	79.56	5.71	74.48	2.94	59.25
27.5	10.96	79.91	10.49	83.35	8.06	80.18	5.94	75.17	3.07	59.98
28	11.88	80.79	11.21	84.39	8.56	81.06	6.27	75.89	3.23	60.93
28.5	12.50	81.49	11.54	84.91	8.88	81.60	6.53	76.41	3.33	61.48
29	13.53	82.52	12.38	85.69	9.54	82.39	6.99	77.34	3.57	62.85
29.5	14.24	83.16	12.78	86.10	9.84	82.94	7.24	77.95	3.73	63.49
30	14.98	83.83	13.46	86.68	10.29	83.69	7.67	78.78	3.93	64.43
30.5	15.43	84.21	13.88	87.22	10.62	84.15	7.92	79.43	4.04	65.01
31	16.45	84.98	14.73	87.98	11.24	84.87	8.39	80.26	4.30	66.02
31.5	16.98	85.51	15.14	88.27	11.52	85.28	8.67	80.85	4.43	66.66
32	17.83	85.92	15.70	88.77	12.06	85.90	9.04	81.56	4.67	67.60
32.5	18.49	86.35	16.27	89.12	12.52	86.28	9.35	82.20	4.87	68.24
33	19.33	86.81	16.96	89.58	13.02	86.78	9.77	82.65	5.08	69.03
33.5	19.94	87.15	17.50	89.94	13.47	87.10	10.16	83.13	5.30	69.61
34	20.87	87.75	18.16	90.38	13.98	87.77	10.60	83.73	5.59	70.56
34.5	21.86	88.20	18.84	90.74	14.40	88.19	11.03	84.17	5.81	71.05
35	23.13	88.97	19.70	91.29	15.09	89.10	11.68	84.84	6.20	71.93
35.5	23.51	89.27	20.05	91.52	15.36	89.38	11.90	85.06	6.34	72.42
36	24.87	89.88	21.01	92.01	16.23	89.90	12.57	85.81	6.67	73.03
36.5	25.33	90.06	21.47	92.22	16.63	90.08	12.89	86.10	6.88	73.18
37	26.61	90.47	22.46	92.58	17.65	90.57	13.71	86.76	7.34	74.03
37.5	27.37	90.70	22.82	92.74	17.99	90.74	13.98	87.00	7.49	74.52
38	29.03	91.13	23.89	93.17	18.85	91.31	14.65	87.67	7.90	75.40
38.5	29.51	91.33	24.27	93.33	19.19	91.56	14.95	87.95	8.09	75.65
39	30.80	91.99	25.09	93.67	19.96	91.98	15.46	88.40	8.48	76.74
39.5	31.22	92.19	25.43	93.84	20.25	92.10	15.67	88.65	8.58	76.96
40	32.19	92.52	26.15	94.07	20.86	92.42	16.16	89.03	8.78	77.32
40.5	33.02	92.74	26.69	94.22	21.34	92.63	16.61	89.36	8.98	77.81
41	34.12	93.15	27.41	94.42	22.04	92.88	17.26	89.71	9.27	78.42
41.5	34.74	93.30	27.80	94.51	22.38	93.02	17.53	89.90	9.39	78.70
42	35.98	93.69	28.76	94.80	23.14	93.36	18.20	90.42	9.74	79.43
42.5	36.64	93.89	29.34	94.89	23.57	93.51	18.63	90.74	9.95	79.79
43	37.71	94.25	30.14	95.14	24.25	93.83	19.30	91.19	10.34	80.19
43.5	38.40	94.43	30.67	95.29	24.76	94.02	19.78	91.47	10.56	80.37
44	40.03	94.82	31.60	95.53	25.52	94.30	20.48	91.68	10.93	80.68
44.5	41.12	94.99	32.38	95.63	26.21	94.59	21.14	92.07	11.27	81.01
45	42.12	95.25	32.98	95.79	26.82	94.78	21.73	92.21	11.59	81.41
45.5	43.03	95.40	33.68	95.94	27.49	95.03	22.36	92.45	11.99	81.87
46	43.90	95.67	34.43	96.12	28.23	95.23	23.10	92.80	12.40	82.51
46.5	44.50	95.78	34.90	96.22	28.76	95.34	23.60	93.04	12.66	82.78
47	45.90	95.97	35.90	96.39	29.70	95.61	24.47	93.40	13.38	83.24
47.5	46.55	96.02	36.29	96.47	30.16	95.71	24.89	93.54	13.69	83.39
48	47.89	96.19	37.23	96.61	31.17	95.92	25.84	93.66	14.41	83.66
48.5	48.67	96.32	37.70	96.73	31.60	96.05	26.33	93.78	14.73	83.79
49	49.53	96.47	38.31	96.79	32.17	96.17	26.80	93.92	15.12	84.09
49.5	50.62	96.62	38.91	96.92	32.73	96.27	27.29	94.11	15.58	84.40
50	51.89	96.78	39.73	97.01	33.46	96.38	27.95	94.30	16.16	84.58
50.5	52.47	96.87	40.07	97.02	33.77	96.48	28.33	94.44	16.46	84.82
51	54.00	97.04	40.99	97.11	34.38	96.57	28.99	94.60	16.84	85.10
51.5	55.16	97.16	41.58	97.18	34.95	96.64	29.42	94.70	17.08	85.31
52	56.52	97.38	42.52	97.29	35.73	96.75	29.99	94.92	17.48	85.61
52.5	57.55	97.51	43.21	97.38	36.29	96.83	30.40	95.01	17.72	85.83
53	58.84	97.61	44.15	97.44	37.01	96.93	31.00	95.16	18.16	86.19
53.5	60.17	97.78	44.86	97.53	37.64	96.98	31.58	95.32	18.46	86.32
54	61.66	98.00	45.80	97.66	38.43	97.06	32.26	95.54	18.90	86.77
54.5	62.45	98.01	46.29	97.72	38.86	97.15	32.62	95.63	19.07	86.96
55	64.09	98.17	47.31	97.79	39.75	97.25	33.36	95.68	19.53	87.17
55.5	65.00	98.25	47.95	97.80	40.18	97.31	33.79	95.84	19.77	87.26
56	66.30	98.30	48.77	97.89	40.91	97.44	34.43	95.94	20.35	87.44
56.5	67.05	98.35	49.34	97.93	41.47	97.48	34.84	95.94	20.66	87.56
57	68.62	98.45	50.28	98.03	42.31	97.58	35.48	96.10	21.07	87.69
57.5	69.56	98.51	50.86	98.16	42.75	97.62	35.86	96.20	21.30	87.75
58	70.92	98.67	51.89	98.19	43.59	97.67	36.56	96.32	21.71	87.84
58.5	71.73	98.75	52.63	98.28	44.25	97.73	37.09	96.48	21.96	87.90
59	73.03	98.90	53.54	98.36	45.14	97.82	37.78	96.58	22.42	88.27
59.5	73.86	98.95	54.17	98.40	45.73	97.84	38.34	96.63	22.79	88.45
60	75.10	98.99	55.26	98.50	46.57	97.99	39.17	96.70	23.43	88.72
60.5	76.00	99.06	55.75	98.53	46.93	98.07	39.54	96.72	23.68	88.72
61	77.25	99.10	56.55	98.60	47.59	98.14	40.06	96.74	24.09	88.84
61.5	78.18	99.14	57.31	98.63	48.26	98.19	40.67	96.79	24.53	89.00
62	79.14	99.19	58.17	98.70	49.01	98.23	41.26	96.86	24.89	89.18
62.5	80.46	99.25	59.00	98.75	49.68	98.27	41.91	96.94	25.34	89.33
63	81.20	99.31	59.89	98.81	50.34	98.32	42.52	97.06	25.90	89.58
63.5	82.14	99.41	60.70	98.88	51.18	98.40	43.21	97.22	26.44	89.82
64	83.00	99.45	61.64	98.99	51.99	98.46	43.98	97.32	27.00	90.00
64.5	83.58	99.47	62.12	99.01	52.29	98.46	44.34	97.34	27.26	90.00
65	84.60	99.52	63.05	99.04	53.03	98.54	45.05	97.39	27.80	90.19
65.5	85.17	99.60	63.64	99.07	53.51	98.54	45.48	97.43	28.14	90.34
66	85.89	99.61	64.51	99.09	54.33	98.65	46.28	97.44	28.69	90.46
66.5	86.47	99.62	64.90	99.09	54.80	98.66	46.72	97.48	29.08	90.49
67	86.85	99.64	65.42	99.09	55.29	98.67	47.13	97.50	29.36	90.55
67.5	87.73	99.66	66.44	99.17	56.28	98.72	47.98	97.60	30.17	90.77
68	88.03	99.67	66.81	99.18	56.59	98.74	48.29	97.63	30.42	90.86
68.5	88.35	99.69	67.36	99.18	57.05	98.74	48.67	97.67	30.76	90.92
69	89.28	99.71	68.43	99.19	57.94	98.82	49.51	97.76	31.59	91.13
69.5	89.69	99.72	69.27	99.25	58.62	98.86	50.09	97.79	31.95	91.16
70	90.20	99.74	69.85	99.31	59.23	98.88	50.63	97.82	32.42	91.25
70.5	90.81	99.75	70.51	99.33	59.82	98.92	51.19	97.86	32.85	91.31
71	91.21	99.75	70.97	99.34	60.30	98.93	51.73	97.93	33.23	91.41
71.5	91.53	99.75	71.45	99.36	60.75	98.97	52.20	97.96	33.54	91.59
72	92.22	99.76	72.54	99.42	61.84	99.01	53.27	98.10	34.35	91.80
73	92.92	99.79	73.61	99.44	63.00	99.02	54.41	98.29	35.54	92.14
73.5	93.11	99.79	74.21	99.48	63.52	99.07	54.87	98.38	36.04	92.29
74	93.47	99.79	74.90	99.50	64.11	99.08	55.37	98.41	36.59	92.38
74.5	93.97	99.80	75.72	99.53	64.81	99.12	56.08	98.45	37.87	92.65
75	94.27	99.80	76.19	99.56	65.39	99.16	56.68	98.50	39.33	92.99
75.5	94.94	99.82	76.83	99.57	65.98	99.19	57.28	98.50	39.90	93.14
76	95.19	99.82	77.48	99.58	66.47	99.21	57.98	98.55	40.45	93.20
76.5	95.46	99.84	78.36	99.61	67.45	99.23	58.68	98.62	41.06	93.26
77	96.60	99.94	79.75	99.67	68.72	99.24	60.16	98.74	42.74	93.57
78	96.95	99.94	80.85	99.67	70.05	99.28	61.53	98.79	44.44	94.00
78.5	97.16	99.94	81.25	99.69	70.63	99.28	62.13	98.83	45.14	94.03
79	97.30	99.94	81.77	99.70	71.31	99.32	63.00	98.89	46.35	94.24
79.5	97.44	99.94	82.30	99.70	71.96	99.33	63.65	98.91	47.01	94.48
80	97.63	99.94	83.02	99.74	72.68	99.36	64.35	98.93	47.96	94.51
80.5	97.82	99.94	83.63	99.75	73.36	99.38	65.13	98.93	49.15	94.64
81	98.10	99.96	84.86	99.77	74.78	99.42	66.78	98.98	50.78	94.70
81.5	98.29	99.96	85.41	99.80	75.43	99.43	67.50	99.00	51.55	94.79
82	98.42	99.96	85.87	99.80	75.99	99.44	68.20	99.00	52.37	94.94
82.5	98.50	99.98	86.47	99.81	76.64	99.44	69.00	99.00	53.26	95.00
83	98.62	99.98	87.04	99.82	77.34	99.52	69.79	99.08	54.12	95.09
83.5	98.69	99.98	87.65	99.84	78.13	99.55	70.69	99.10	55.58	95.21
84	98.86	99.98	88.74	99.85	79.29	99.58	72.02	99.12	56.88	95.49
84.5	98.90	99.99	89.26	99.86	79.95	99.59	72.73	99.14	57.67	95.58
85	98.98	100.00	89.68	99.86	80.59	99.60	73.51	99.15	58.43	95.79
85.5	99.07	100.00	90.56	99.87	81.80	99.63	75.02	99.22	60.21	95.82
86	99.13	100.00	91.15	99.87	82.49	99.64	75.91	99.27	61.15	95.85
86.5	99.21	100.00	91.89	99.87	83.49	99.67	77.00	99.34	62.15	95.92
87	99.27	100.00	92.28	99.87	84.05	99.68	77.64	99.41	62.82	96.01
87.5	99.35	100.00	92.99	99.87	85.19	99.74	78.94	99.45	64.18	96.13
88	99.40	100.00	93.36	99.89	85.68	99.75	79.60	99.46	64.89	96.28
88.5	99.47	100.00	93.93	99.92	86.74	99.80	80.87	99.52	66.34	96.43
89	99.53	100.00	94.26	99.92	87.30	99.81	81.58	99.55	67.17	96.62
89.5	99.61	100.00	94.83	99.93	88.47	99.85	83.10	99.57	68.96	96.83
90	99.64	100.00	95.14	99.94	88.99	99.88	83.82	99.59	70.03	96.92
90.5	99.67	100.00	95.42	99.94	89.52	99.89	84.54	99.62	71.03	97.17
91	99.68	100.00	95.55	99.95	89.86	99.89	84.99	99.62	71.69	97.32
91.5	99.72	100.00	95.91	99.98	90.37	99.91	85.73	99.67	72.69	97.38
92	99.75	100.00	96.36	99.99	91.34	99.93	86.75	99.71	74.08	97.47
93	99.78	100.00	96.99	99.99	92.37	99.94	88.03	99.72	76.48	97.81
93.5	99.81	100.00	97.36	99.99	92.97	99.96	88.93	99.74	78.92	98.14
94	99.84	100.00	97.63	99.99	93.48	99.96	89.64	99.78	80.95	98.32
94.5	99.88	100.00	97.98	99.99	94.08	99.96	90.70	99.81	84.41	98.81
95	99.89	100.00	98.29	100.00	94.82	99.98	91.73	99.84	86.84	98.93
95.5	99.89	100.00	98.42	100.00	95.14	99.98	92.25	99.88	87.70	98.96
96	99.92	100.00	98.76	100.00	95.93	99.99	93.39	99.91	90.05	99.18
96.5	99.93	100.00	98.85	100.00	96.19	99.99	93.78	99.91	90.68	99.18
97	99.96	100.00	99.12	100.00	96.85	100.00	94.69	99.93	92.37	99.36
97.5	99.97	100.00	99.37	100.00	97.64	100.00	95.89	99.98	94.80	99.60
98	99.99	100.00	99.78	100.00	98.89	100.00	97.94	100.00	97.66	99.76
98.5	100.00	100.00	99.93	100.00	99.49	100.00	99.09	100.00	99.34	99.97
99	100.00	100.00	99.99	100.00	99.89	100.00	99.75	100.00	99.86	100.00
99.5	100.00	100.00	100.00	100.00	99.96	100.00	99.94	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.C. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Existing-Account Performance)
Marital status
Percent

Score	Married Male (Good)	Married Male (Bad)	Married Male (Good)	Married Male (Bad)	Married Female (Good)	Married Female (Bad)	Single Female (Good)	Single Female (Bad)
0	0.00	0.06	0.00	0.05	0.00	0.04	0.00	0.12
0.5	0.01	1.03	0.01	1.93	0.01	1.34	0.02	1.96
1	0.03	4.79	0.06	7.59	0.04	5.19	0.12	8.05
1.5	0.04	6.04	0.07	8.96	0.05	6.48	0.15	9.74
2	0.05	7.69	0.13	10.89	0.08	8.09	0.18	11.88
2.5	0.06	9.10	0.14	12.60	0.08	9.23	0.21	13.71
3	0.09	10.95	0.22	15.08	0.11	11.28	0.30	16.17
3.5	0.12	12.55	0.28	17.21	0.15	12.85	0.35	18.23
4	0.15	14.27	0.34	19.04	0.17	14.55	0.40	20.45
4.5	0.15	14.80	0.36	19.66	0.18	15.23	0.43	21.06
5	0.18	16.95	0.47	22.87	0.23	17.97	0.60	24.06
5.5	0.25	19.05	0.60	25.27	0.28	19.88	0.72	26.91
6	0.29	21.07	0.68	27.40	0.33	21.83	0.80	29.21
6.5	0.32	22.13	0.73	28.48	0.35	22.82	0.86	30.69
7	0.38	24.23	0.86	30.87	0.39	24.93	0.98	32.82
7.5	0.40	25.19	0.92	31.96	0.40	25.71	1.05	33.67
8	0.45	26.72	1.04	33.46	0.46	27.33	1.11	35.33
8.5	0.47	27.58	1.07	34.30	0.48	27.91	1.16	36.01
9	0.50	28.77	1.15	35.29	0.53	29.03	1.23	37.01
9.5	0.53	29.53	1.21	36.25	0.57	29.88	1.29	37.87
10	0.59	30.79	1.27	37.53	0.62	30.85	1.42	39.25
10.5	0.62	31.56	1.31	38.22	0.65	31.77	1.54	40.03
11	0.69	32.95	1.43	39.39	0.69	32.89	1.67	41.35
11.5	0.73	34.36	1.51	40.67	0.76	34.58	1.73	42.98
12	0.82	37.36	1.66	42.92	0.85	37.99	1.89	45.95
12.5	0.91	39.15	1.81	44.16	0.94	40.00	2.00	46.87
13	1.03	41.00	1.95	45.79	1.03	41.89	2.18	48.61
13.5	1.09	42.25	2.08	47.52	1.07	43.67	2.31	50.19
14	1.19	45.12	2.35	50.16	1.17	47.15	2.48	52.86
14.5	1.25	46.55	2.54	51.58	1.22	48.73	2.58	54.43
15	1.36	48.81	2.70	53.64	1.32	50.98	2.78	56.27
15.5	1.45	49.90	2.84	54.81	1.40	52.22	2.90	57.28
16	1.58	51.66	3.02	56.42	1.53	53.89	3.10	59.06
16.5	1.68	53.01	3.19	57.54	1.61	54.93	3.29	60.07
17	1.83	54.34	3.41	58.84	1.72	56.14	3.51	61.36
17.5	1.94	55.38	3.55	59.69	1.80	56.99	3.67	62.00
18	2.05	56.63	3.82	60.86	1.92	58.24	3.91	63.07
18.5	2.16	57.50	4.00	61.62	2.00	59.05	4.06	64.12
19	2.33	58.76	4.27	62.90	2.13	59.99	4.27	65.26
19.5	2.42	59.50	4.44	63.40	2.20	60.78	4.41	65.81
20	2.56	60.97	4.70	65.67	2.35	62.30	4.69	67.58
20.5	2.63	61.76	4.86	66.57	2.45	63.07	4.85	68.20
21	2.78	62.87	5.05	67.69	2.58	64.17	5.08	69.25
21.5	2.92	63.49	5.19	68.22	2.67	64.62	5.25	69.80
22	3.08	64.36	5.53	69.04	2.84	65.54	5.51	70.53
22.5	3.21	65.08	5.74	69.46	2.98	66.17	5.77	71.08
23	3.39	66.03	5.94	70.37	3.10	67.35	6.09	72.04
23.5	3.54	67.26	6.17	71.36	3.24	68.38	6.35	72.90
24	3.78	68.71	6.66	72.71	3.49	69.99	6.78	74.25
24.5	3.93	69.51	7.00	73.40	3.66	70.73	7.05	74.98
25	4.13	70.38	7.55	74.36	3.86	71.48	7.42	75.70
25.5	4.28	70.92	7.81	75.02	3.97	72.15	7.80	76.36
26	4.46	71.85	8.30	75.85	4.17	72.98	8.15	77.05
26.5	4.65	72.89	8.70	76.67	4.35	73.80	8.40	77.69
27	4.95	74.16	9.30	77.96	4.68	74.83	8.91	78.88
27.5	5.13	74.91	9.67	78.64	4.84	75.60	9.23	79.41
28	5.50	76.09	10.29	79.31	5.13	76.51	9.75	80.35
28.5	5.75	76.78	10.64	79.99	5.35	76.96	10.05	80.85
29	6.26	77.74	11.47	80.94	5.70	77.85	10.76	81.82
29.5	6.51	78.18	11.94	81.48	5.93	78.55	11.19	82.45
30	6.88	79.07	12.47	82.20	6.26	79.24	11.77	83.14
30.5	7.12	79.54	12.86	82.59	6.47	79.87	12.08	83.70
31	7.56	80.13	13.66	83.45	6.89	80.80	12.81	84.62
31.5	7.80	80.68	14.05	83.92	7.13	81.31	13.15	85.00
32	8.16	81.33	14.62	84.42	7.48	81.97	13.77	85.61
32.5	8.48	81.92	15.13	84.83	7.82	82.37	14.24	86.10
33	8.88	82.52	15.76	85.24	8.19	82.89	14.79	86.50
33.5	9.23	82.86	16.34	85.79	8.50	83.29	15.27	86.95
34	9.74	83.52	17.02	86.50	8.87	83.98	15.76	87.50
34.5	10.14	84.02	17.66	87.03	9.28	84.32	16.27	87.90
35	10.75	84.90	18.52	87.69	9.82	85.20	17.06	88.49
35.5	10.97	85.13	18.86	88.06	9.99	85.45	17.44	88.77
36	11.63	85.76	19.84	88.72	10.54	86.13	18.42	89.28
36.5	11.94	85.98	20.26	88.98	10.80	86.23	18.86	89.47
37	12.72	86.51	21.45	89.62	11.50	86.86	19.68	89.85
37.5	13.02	86.87	21.87	89.83	11.77	87.06	20.02	90.05
38	13.77	87.45	23.00	90.47	12.40	87.70	20.84	90.60
38.5	14.09	87.67	23.33	90.65	12.65	87.90	21.19	90.86
39	14.74	88.19	24.14	91.06	13.21	88.61	21.90	91.37
39.5	14.94	88.44	24.43	91.18	13.44	88.79	22.17	91.58
40	15.46	88.90	25.08	91.48	13.89	89.11	22.76	91.86
40.5	15.82	89.16	25.57	91.86	14.30	89.28	23.27	92.08
41	16.42	89.58	26.42	92.07	14.79	89.73	23.99	92.38
41.5	16.70	89.84	26.76	92.25	15.03	89.88	24.36	92.44
42	17.36	90.31	27.60	92.55	15.64	90.42	25.17	92.79
42.5	17.72	90.58	28.18	92.65	16.02	90.67	25.61	92.91
43	18.31	90.96	28.92	93.03	16.59	90.92	26.37	93.36
43.5	18.68	91.23	29.52	93.22	16.98	91.19	26.80	93.44
44	19.35	91.49	30.50	93.45	17.67	91.45	27.60	93.77
44.5	19.94	91.73	31.27	93.68	18.24	91.77	28.39	93.99
45	20.47	92.02	31.90	93.91	18.72	92.03	29.11	94.16
45.5	21.07	92.22	32.60	94.02	19.27	92.31	29.86	94.45
46	21.77	92.53	33.37	94.36	19.89	92.55	30.52	94.75
46.5	22.23	92.76	33.90	94.46	20.26	92.73	31.01	94.90
47	23.19	93.00	34.89	94.77	21.06	93.04	32.06	95.11
47.5	23.59	93.11	35.38	94.87	21.41	93.16	32.49	95.24
48	24.50	93.35	36.44	95.07	22.26	93.32	33.43	95.36
48.5	24.98	93.43	36.98	95.19	22.61	93.49	33.89	95.51
49	25.53	93.49	37.58	95.44	23.09	93.64	34.42	95.58
49.5	26.07	93.70	38.26	95.53	23.59	93.87	35.08	95.71
50	26.81	93.84	39.17	95.71	24.23	93.95	35.82	95.91
50.5	27.24	93.97	39.56	95.81	24.52	94.10	36.15	95.97
51	27.89	94.15	40.40	95.83	25.23	94.20	36.82	96.16
51.5	28.41	94.31	41.02	95.88	25.67	94.31	37.31	96.22
52	29.12	94.49	41.78	96.11	26.32	94.41	38.06	96.41
52.5	29.64	94.62	42.35	96.13	26.74	94.52	38.56	96.56
53	30.33	94.76	43.06	96.24	27.34	94.63	39.36	96.68
53.5	30.97	94.93	43.73	96.27	27.88	94.81	39.96	96.75
54	31.70	95.15	44.71	96.50	28.57	95.04	40.76	96.86
54.5	32.07	95.27	45.27	96.56	28.94	95.11	41.14	96.91
55	32.83	95.38	46.14	96.68	29.77	95.25	42.15	97.00
55.5	33.32	95.46	46.66	96.72	30.19	95.34	42.62	97.08
56	34.06	95.58	47.62	96.82	30.77	95.44	43.36	97.17
56.5	34.53	95.61	48.15	96.82	31.22	95.51	43.81	97.20
57	35.34	95.73	49.02	96.97	31.96	95.68	44.52	97.27
57.5	35.80	95.80	49.54	97.04	32.40	95.80	44.93	97.33
58	36.56	95.87	50.30	97.07	33.19	95.95	45.67	97.39
58.5	37.12	96.03	50.90	97.11	33.71	96.05	46.21	97.43
59	37.95	96.15	51.84	97.32	34.35	96.18	46.99	97.52
59.5	38.53	96.21	52.39	97.39	34.83	96.27	47.60	97.55
60	39.41	96.38	53.20	97.45	35.70	96.36	48.44	97.69
60.5	39.82	96.41	53.59	97.46	36.07	96.44	48.86	97.76
61	40.48	96.52	54.31	97.50	36.70	96.47	49.45	97.82
61.5	41.07	96.59	54.94	97.50	37.36	96.59	50.05	97.82
62	41.73	96.67	55.53	97.57	37.98	96.66	50.77	97.89
62.5	42.41	96.73	56.21	97.59	38.68	96.72	51.41	98.01
63	43.06	96.91	56.91	97.64	39.32	96.81	52.10	98.09
63.5	43.83	97.05	57.61	97.75	40.04	96.93	52.81	98.16
64	44.60	97.12	58.32	97.80	40.81	97.09	53.54	98.21
64.5	44.98	97.15	58.74	97.80	41.16	97.09	53.90	98.22
65	45.74	97.21	59.49	97.87	41.95	97.15	54.56	98.25
65.5	46.24	97.27	59.94	97.92	42.41	97.17	54.94	98.28
66	46.97	97.41	60.83	97.96	43.20	97.23	55.62	98.31
66.5	47.40	97.43	61.24	97.98	43.64	97.23	56.05	98.32
67	47.86	97.47	61.59	97.98	44.06	97.23	56.38	98.32
67.5	48.79	97.55	62.38	98.12	44.98	97.30	57.22	98.40
68	49.09	97.59	62.72	98.17	45.28	97.33	57.54	98.40
68.5	49.52	97.62	63.06	98.19	45.70	97.35	57.90	98.40
69	50.57	97.71	63.84	98.21	46.57	97.47	58.76	98.44
69.5	51.15	97.74	64.36	98.28	47.17	97.48	59.30	98.49
70	51.65	97.76	64.84	98.28	47.77	97.54	59.84	98.55
70.5	52.28	97.85	65.33	98.30	48.30	97.57	60.36	98.56
71	52.76	97.89	65.85	98.31	48.76	97.57	60.78	98.59
71.5	53.24	97.93	66.23	98.35	49.17	97.63	61.11	98.65
72	54.31	98.03	66.99	98.40	50.22	97.68	61.94	98.74
73	55.51	98.08	68.10	98.53	51.36	97.81	62.94	98.83
73.5	55.95	98.14	68.48	98.60	51.91	97.84	63.47	98.90
74	56.56	98.21	68.90	98.62	52.51	97.84	63.93	98.93
74.5	57.36	98.27	69.69	98.69	53.50	97.90	64.85	98.96
75	58.19	98.30	70.40	98.76	54.21	97.99	65.65	98.98
75.5	58.84	98.30	70.91	98.83	54.84	98.03	66.18	99.01
76	59.49	98.33	71.45	98.86	55.43	98.06	66.59	99.02
76.5	60.29	98.36	72.05	98.88	56.27	98.12	67.13	99.07
77	61.77	98.49	73.47	98.94	57.74	98.23	68.57	99.12
78	63.20	98.55	74.55	98.99	59.12	98.36	69.70	99.18
78.5	63.81	98.56	74.91	98.99	59.76	98.39	70.12	99.21
79	64.67	98.61	75.47	99.02	60.63	98.42	70.89	99.27
79.5	65.28	98.64	75.94	99.02	61.31	98.51	71.38	99.27
80	66.01	98.65	76.61	99.02	62.12	98.55	72.12	99.29
80.5	66.80	98.70	77.26	99.04	63.00	98.58	72.87	99.29
81	68.29	98.74	78.44	99.08	64.54	98.66	74.09	99.29
81.5	69.03	98.74	78.95	99.10	65.21	98.70	74.63	99.30
82	69.70	98.77	79.41	99.11	65.88	98.72	75.24	99.32
82.5	70.46	98.77	80.03	99.15	66.59	98.73	75.84	99.32
83	71.15	98.80	80.52	99.17	67.37	98.84	76.49	99.38
83.5	72.11	98.83	81.30	99.17	68.32	98.88	77.37	99.42
84	73.37	98.94	82.13	99.18	69.66	98.94	78.25	99.44
84.5	74.13	98.99	82.67	99.20	70.33	98.99	78.67	99.44
85	74.82	99.00	83.10	99.25	71.07	99.06	79.15	99.44
85.5	76.20	99.03	83.95	99.27	72.55	99.09	80.23	99.47
86	77.10	99.09	84.46	99.27	73.37	99.11	80.74	99.47
86.5	78.15	99.12	85.18	99.29	74.35	99.14	81.41	99.51
87	78.81	99.15	85.58	99.33	74.97	99.17	81.80	99.53
87.5	79.98	99.18	86.35	99.36	76.22	99.24	82.66	99.54
88	80.58	99.21	86.67	99.38	76.81	99.28	83.19	99.56
88.5	81.72	99.35	87.41	99.40	78.09	99.34	84.08	99.57
89	82.35	99.38	87.79	99.45	78.77	99.36	84.59	99.60
89.5	83.60	99.45	88.66	99.50	80.24	99.37	85.76	99.63
90	84.28	99.47	89.03	99.54	81.03	99.42	86.33	99.64
90.5	84.96	99.50	89.46	99.59	81.78	99.48	86.83	99.66
91	85.43	99.53	89.75	99.61	82.21	99.49	87.19	99.67
91.5	86.08	99.53	90.18	99.61	82.99	99.55	87.79	99.75
92	87.04	99.56	90.83	99.65	84.12	99.57	88.57	99.78
93	88.35	99.65	91.89	99.72	85.67	99.58	89.74	99.81
93.5	89.45	99.70	92.67	99.75	86.90	99.67	90.86	99.82
94	90.28	99.71	93.38	99.75	87.95	99.72	91.75	99.85
94.5	91.57	99.82	94.45	99.77	89.67	99.79	93.12	99.88
95	92.77	99.86	95.24	99.80	91.01	99.82	94.23	99.88
95.5	93.27	99.86	95.58	99.82	91.59	99.84	94.54	99.90
96	94.51	99.86	96.27	99.88	93.04	99.87	95.50	99.94
96.5	94.86	99.86	96.53	99.88	93.46	99.87	95.76	99.94
97	95.75	99.89	97.14	99.91	94.58	99.91	96.52	99.96
97.5	96.89	99.94	97.96	99.95	96.05	99.96	97.64	99.96
98	98.56	99.94	99.07	99.95	98.13	100.00	98.91	100.00
98.5	99.42	99.98	99.63	100.00	99.31	100.00	99.68	100.00
99	99.86	100.00	99.88	100.00	99.84	100.00	99.95	100.00
99.5	99.96	100.00	99.96	100.00	99.97	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.C. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Existing-Account Performance)
Income ratio of tract
Percent

Score	Low (Good)	Low (Bad)	Moderate (Good)	Moderate (Bad)	Middle (Good)	Middle (Bad)	High (Good))	High (Bad)
0	0.00	0.09	0.00	0.10	0.00	0.08	0.00	0.02
0.5	0.11	2.18	0.03	1.89	0.01	1.47	0.00	1.29
1	0.21	9.56	0.14	7.53	0.05	6.06	0.02	5.14
1.5	0.25	11.79	0.17	9.10	0.06	7.51	0.03	6.08
2	0.25	13.49	0.23	11.23	0.09	9.35	0.04	7.85
2.5	0.28	15.63	0.26	12.83	0.11	10.78	0.05	9.22
3	0.35	18.51	0.37	15.37	0.15	12.97	0.07	11.08
3.5	0.43	20.79	0.41	17.50	0.20	14.63	0.10	12.75
4	0.53	23.53	0.47	19.64	0.24	16.40	0.12	14.32
4.5	0.60	24.43	0.49	20.39	0.25	17.01	0.13	14.76
5	0.82	27.65	0.57	23.59	0.33	19.92	0.17	16.94
5.5	0.85	30.45	0.73	26.15	0.41	22.10	0.22	18.76
6	1.03	33.57	0.82	28.31	0.49	24.29	0.25	20.56
6.5	1.10	34.52	0.90	29.66	0.53	25.39	0.26	21.69
7	1.38	36.74	1.05	31.77	0.61	27.62	0.30	23.38
7.5	1.52	37.83	1.12	32.77	0.65	28.51	0.31	24.11
8	1.59	39.73	1.26	34.56	0.72	30.14	0.37	25.31
8.5	1.63	40.34	1.32	35.35	0.75	30.90	0.38	25.93
9	1.70	41.57	1.40	36.50	0.81	32.02	0.41	26.97
9.5	1.88	42.28	1.48	37.57	0.85	32.85	0.43	27.74
10	1.91	43.61	1.61	38.90	0.92	34.06	0.47	28.80
10.5	2.06	44.32	1.71	39.59	0.99	34.85	0.49	29.78
11	2.30	45.55	1.84	40.97	1.07	36.14	0.53	30.74
11.5	2.37	46.73	1.91	42.49	1.14	37.43	0.57	32.34
12	2.69	49.01	2.07	45.08	1.27	40.06	0.66	35.64
12.5	2.94	50.47	2.21	46.43	1.38	41.50	0.71	37.11
13	3.22	51.75	2.44	48.01	1.50	43.21	0.79	38.90
13.5	3.33	52.94	2.57	49.59	1.58	44.73	0.84	40.61
14	3.58	55.16	2.88	52.42	1.74	47.58	0.91	43.20
14.5	3.79	56.91	3.02	53.65	1.82	49.07	0.95	44.61
15	4.11	58.95	3.20	55.65	1.95	51.17	1.05	46.94
15.5	4.36	59.71	3.35	56.71	2.07	52.32	1.10	48.05
16	4.71	61.22	3.58	58.44	2.23	54.00	1.19	49.79
16.5	4.93	61.84	3.84	59.70	2.34	55.04	1.27	51.02
17	5.28	63.68	4.07	60.82	2.52	56.42	1.37	52.23
17.5	5.56	64.58	4.25	61.76	2.63	57.22	1.45	52.97
18	5.67	66.05	4.47	62.94	2.81	58.37	1.57	54.31
18.5	5.92	66.76	4.66	63.66	2.91	59.24	1.66	55.17
19	6.10	67.90	4.95	64.72	3.10	60.39	1.80	56.12
19.5	6.41	68.42	5.09	65.43	3.21	61.07	1.89	56.79
20	6.77	71.73	5.39	67.78	3.43	63.20	2.03	58.76
20.5	6.91	72.77	5.58	68.68	3.54	64.08	2.12	59.64
21	7.16	73.53	5.85	70.00	3.74	65.10	2.24	60.96
21.5	7.30	74.15	6.04	70.59	3.87	65.70	2.34	61.60
22	7.76	74.81	6.39	71.45	4.08	66.55	2.47	62.62
22.5	8.11	75.57	6.64	71.97	4.25	67.24	2.59	63.09
23	8.61	76.33	6.91	72.86	4.46	68.24	2.72	64.20
23.5	8.86	77.13	7.18	73.80	4.64	69.30	2.86	65.20
24	9.57	78.36	7.76	75.33	4.97	70.82	3.06	66.61
24.5	10.17	79.12	8.07	76.01	5.17	71.65	3.20	67.26
25	10.95	79.78	8.54	77.02	5.46	72.56	3.39	67.91
25.5	11.45	80.21	8.90	77.78	5.65	73.20	3.52	68.41
26	12.05	81.30	9.37	78.60	5.94	74.08	3.71	69.11
26.5	12.54	81.91	9.75	79.27	6.19	74.93	3.90	70.05
27	13.50	82.58	10.38	80.47	6.60	76.00	4.22	71.23
27.5	14.28	83.05	10.80	81.11	6.83	76.71	4.37	71.89
28	14.95	83.90	11.45	81.77	7.29	77.72	4.69	72.77
28.5	15.49	84.42	11.84	82.36	7.58	78.32	4.87	73.37
29	15.98	84.85	12.74	83.18	8.17	79.30	5.26	74.35
29.5	16.58	85.09	13.12	83.68	8.50	79.90	5.50	74.99
30	17.47	85.84	13.71	84.27	8.97	80.73	5.82	75.76
30.5	17.93	86.22	14.06	84.65	9.26	81.21	6.03	76.48
31	19.35	87.12	14.80	85.43	9.80	81.98	6.48	77.33
31.5	19.60	87.45	15.21	85.88	10.10	82.44	6.72	77.80
32	20.16	88.07	15.93	86.43	10.53	82.97	7.10	78.70
32.5	20.84	88.35	16.50	86.91	10.91	83.43	7.40	79.19
33	21.26	89.02	17.10	87.44	11.39	83.94	7.78	79.72
33.5	21.93	89.58	17.66	87.80	11.80	84.33	8.08	80.20
34	22.57	90.01	18.32	88.34	12.32	85.02	8.48	80.84
34.5	23.21	90.53	19.02	88.69	12.76	85.38	8.88	81.41
35	24.17	90.81	19.82	89.26	13.46	86.15	9.49	82.31
35.5	24.66	91.00	20.10	89.49	13.70	86.42	9.70	82.72
36	25.62	91.38	21.10	90.08	14.47	87.01	10.28	83.43
36.5	26.08	91.57	21.59	90.27	14.82	87.24	10.55	83.65
37	27.21	92.42	22.55	90.79	15.67	87.86	11.25	84.07
37.5	27.60	92.57	22.88	91.03	16.01	88.12	11.53	84.30
38	28.84	92.85	23.94	91.49	16.80	88.74	12.24	84.92
38.5	29.34	92.95	24.29	91.67	17.07	88.97	12.58	85.21
39	30.01	93.32	25.08	92.05	17.75	89.56	13.18	85.96
39.5	30.30	93.42	25.41	92.23	17.98	89.74	13.40	86.18
40	31.36	93.51	26.07	92.56	18.51	90.05	13.86	86.67
40.5	31.96	93.84	26.61	92.75	18.95	90.26	14.25	87.09
41	32.92	94.13	27.44	93.01	19.55	90.61	14.81	87.48
41.5	33.24	94.41	27.75	93.14	19.85	90.76	15.09	87.63
42	34.09	94.60	28.62	93.45	20.59	91.20	15.69	88.22
42.5	34.69	94.70	29.18	93.66	21.01	91.40	16.06	88.49
43	35.90	94.84	29.99	93.90	21.64	91.80	16.69	88.84
43.5	36.50	94.98	30.52	94.04	22.07	91.99	17.11	89.09
44	37.60	95.17	31.40	94.34	22.83	92.28	17.86	89.50
44.5	38.31	95.27	32.13	94.53	23.49	92.58	18.46	89.70
45	39.05	95.55	32.80	94.69	24.06	92.83	18.97	89.91
45.5	39.51	95.64	33.48	94.92	24.73	93.03	19.53	90.21
46	40.72	95.98	34.19	95.19	25.38	93.31	20.18	90.54
46.5	41.28	96.02	34.65	95.30	25.83	93.45	20.60	90.78
47	42.63	96.16	35.67	95.54	26.75	93.73	21.51	91.06
47.5	43.09	96.26	36.21	95.61	27.14	93.84	21.92	91.25
48	44.44	96.35	37.14	95.82	28.11	94.05	22.84	91.48
48.5	44.76	96.45	37.63	95.92	28.58	94.18	23.33	91.62
49	45.25	96.64	38.20	96.07	29.14	94.29	23.84	91.78
49.5	45.71	96.64	38.90	96.19	29.78	94.46	24.34	92.02
50	46.49	96.78	39.86	96.28	30.54	94.59	25.11	92.29
50.5	46.92	96.83	40.26	96.32	30.91	94.69	25.48	92.43
51	47.80	96.92	41.10	96.41	31.68	94.86	26.16	92.55
51.5	48.41	96.92	41.71	96.54	32.20	94.97	26.67	92.68
52	49.33	97.02	42.48	96.66	32.95	95.17	27.37	92.91
52.5	50.18	97.11	42.99	96.76	33.45	95.28	27.92	93.02
53	50.99	97.21	43.77	96.85	34.18	95.43	28.62	93.20
53.5	51.91	97.25	44.46	96.96	34.83	95.54	29.24	93.42
54	52.94	97.63	45.37	97.06	35.63	95.75	29.97	93.70
54.5	53.30	97.68	45.79	97.17	36.02	95.82	30.39	93.81
55	54.36	97.73	46.73	97.31	36.87	95.96	31.29	93.96
55.5	55.14	97.82	47.26	97.34	37.35	96.03	31.74	94.10
56	56.20	97.96	48.03	97.42	38.17	96.14	32.46	94.29
56.5	56.98	97.96	48.46	97.45	38.69	96.22	32.94	94.31
57	57.65	98.01	49.35	97.54	39.50	96.35	33.77	94.51
57.5	58.22	98.01	49.84	97.61	39.96	96.44	34.26	94.68
58	59.11	98.06	50.52	97.73	40.82	96.54	35.02	94.77
58.5	59.71	98.20	51.11	97.79	41.37	96.64	35.59	94.91
59	60.60	98.30	51.94	97.85	42.13	96.75	36.41	95.22
59.5	61.16	98.30	52.52	97.88	42.71	96.83	36.95	95.27
60	62.23	98.39	53.42	97.95	43.63	96.96	37.85	95.45
60.5	62.76	98.39	53.91	97.97	44.06	97.04	38.23	95.48
61	63.54	98.58	54.61	98.01	44.71	97.10	38.90	95.56
61.5	64.25	98.63	55.26	98.08	45.38	97.20	39.55	95.56
62	64.74	98.82	55.88	98.14	46.03	97.27	40.26	95.62
62.5	65.41	98.82	56.58	98.22	46.78	97.33	40.96	95.72
63	66.23	98.86	57.24	98.27	47.45	97.42	41.66	95.87
63.5	66.87	98.91	58.13	98.37	48.20	97.53	42.52	96.12
64	67.61	99.01	58.88	98.49	49.00	97.63	43.36	96.31
64.5	67.86	99.05	59.21	98.50	49.40	97.65	43.76	96.35
65	68.67	99.10	60.03	98.56	50.19	97.74	44.64	96.42
65.5	69.06	99.15	60.55	98.59	50.65	97.80	45.15	96.45
66	69.74	99.15	61.26	98.60	51.44	97.85	46.00	96.63
66.5	70.48	99.15	61.92	98.61	52.11	97.87	46.60	96.65
67	70.69	99.15	62.34	98.62	52.57	97.90	47.05	96.68
67.5	71.72	99.20	63.31	98.64	53.64	98.00	48.04	96.88
68	72.11	99.20	63.65	98.65	53.96	98.04	48.38	96.93
68.5	72.50	99.24	63.97	98.69	54.40	98.05	48.85	96.94
69	73.32	99.29	64.88	98.72	55.46	98.14	49.89	97.05
69.5	73.95	99.34	65.28	98.74	55.98	98.17	50.61	97.11
70	74.42	99.43	65.88	98.79	56.56	98.19	51.17	97.18
70.5	75.12	99.48	66.39	98.82	57.16	98.23	51.74	97.19
71	75.48	99.48	66.78	98.87	57.64	98.25	52.22	97.21
71.5	75.83	99.53	67.18	98.90	58.04	98.30	52.74	97.24
72	76.75	99.57	68.05	98.95	59.02	98.37	53.83	97.35
73	77.82	99.57	68.98	98.99	60.13	98.45	55.04	97.50
73.5	78.21	99.62	69.43	99.03	60.65	98.51	55.51	97.53
74	78.63	99.62	69.91	99.04	61.20	98.53	56.13	97.60
74.5	79.34	99.67	70.83	99.07	62.19	98.59	57.13	97.67
75	80.37	99.72	71.74	99.12	63.15	98.66	57.96	97.73
75.5	80.97	99.72	72.22	99.14	63.76	98.70	58.59	97.73
76	81.33	99.76	72.59	99.15	64.32	98.71	59.22	97.80
76.5	81.82	99.76	73.12	99.21	64.98	98.72	60.04	97.87
77	83.42	99.81	74.45	99.26	66.42	98.80	61.58	98.06
78	84.37	99.81	75.63	99.31	67.65	98.90	63.03	98.11
78.5	84.62	99.86	76.01	99.31	68.21	98.92	63.57	98.11
79	85.05	99.91	76.66	99.32	69.01	98.98	64.37	98.17
79.5	85.40	99.91	77.07	99.36	69.61	99.00	64.92	98.20
80	85.90	99.91	77.60	99.37	70.31	99.01	65.70	98.29
80.5	86.39	99.91	78.32	99.39	71.13	99.03	66.56	98.37
81	87.07	99.91	79.31	99.46	72.46	99.06	67.93	98.46
81.5	87.38	99.91	79.70	99.49	73.10	99.09	68.57	98.46
82	87.77	99.91	80.13	99.49	73.69	99.11	69.18	98.51
82.5	88.27	99.91	80.67	99.50	74.34	99.12	69.84	98.54
83	88.59	99.91	81.18	99.53	75.02	99.15	70.53	98.63
83.5	88.94	99.91	81.85	99.55	75.94	99.18	71.47	98.73
84	89.55	99.91	82.64	99.57	77.00	99.22	72.63	98.81
84.5	89.87	99.91	83.12	99.58	77.59	99.25	73.25	98.82
85	90.22	99.91	83.62	99.59	78.15	99.29	73.88	98.87
85.5	90.72	99.91	84.57	99.60	79.33	99.30	75.27	98.94
86	90.86	99.91	85.06	99.62	80.01	99.31	76.04	98.96
86.5	91.25	99.91	85.65	99.62	80.81	99.35	77.04	99.01
87	91.32	99.91	85.99	99.62	81.30	99.37	77.64	99.05
87.5	91.71	99.91	86.67	99.67	82.23	99.38	78.83	99.12
88	91.92	99.91	86.95	99.70	82.69	99.41	79.46	99.13
88.5	92.24	99.91	87.63	99.71	83.63	99.46	80.62	99.19
89	92.42	99.95	87.95	99.71	84.13	99.49	81.33	99.24
89.5	92.77	99.95	88.75	99.73	85.27	99.53	82.61	99.27
90	93.02	99.95	89.13	99.73	85.84	99.57	83.33	99.29
90.5	93.16	99.95	89.50	99.74	86.35	99.61	84.08	99.33
91	93.30	99.95	89.76	99.76	86.69	99.61	84.52	99.38
91.5	93.44	99.95	90.19	99.76	87.26	99.64	85.19	99.44
92	93.76	99.95	90.79	99.77	88.05	99.65	86.25	99.49
93	94.33	99.95	91.64	99.78	89.24	99.69	87.62	99.57
93.5	95.15	99.95	92.47	99.78	90.28	99.76	88.64	99.60
94	95.75	99.95	93.17	99.83	91.13	99.77	89.52	99.63
94.5	96.42	99.95	94.40	99.89	92.53	99.82	90.81	99.74
95	96.85	99.95	95.22	99.90	93.57	99.85	92.03	99.78
95.5	97.17	99.95	95.47	99.91	93.96	99.86	92.57	99.78
96	97.77	100.00	96.30	99.93	95.01	99.89	93.94	99.83
96.5	97.87	100.00	96.51	99.93	95.35	99.89	94.28	99.83
97	98.44	100.00	97.06	99.98	96.15	99.90	95.26	99.86
97.5	99.01	100.00	98.02	99.99	97.27	99.94	96.47	99.91
98	99.57	100.00	99.07	100.00	98.70	99.97	98.37	99.94
98.5	99.93	100.00	99.72	100.00	99.56	99.99	99.35	100.00
99	99.96	100.00	99.95	100.00	99.90	100.00	99.83	100.00
99.5	100.00	100.00	99.99	100.00	99.98	100.00	99.95	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Return to figure

Figure 7.D. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Random-Account Performance)

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

As shown in the figure, curves encompassed by the ellipses are the data for goods and bads respectively.

Figure 7.D. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Random-Account Performance)
Race or ethnicity (SSA data)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.07	0.03	0.17	0.00	0.04	0.00	0.00
0.5	0.04	2.02	0.30	2.73	0.08	1.88	0.02	1.07
1	0.23	7.77	1.60	11.81	0.51	7.95	0.19	7.34
1.5	0.29	9.66	2.02	14.06	0.62	9.72	0.21	8.76
2	0.36	11.92	2.47	17.11	0.79	12.36	0.29	10.45
2.5	0.44	13.61	2.91	19.96	1.00	14.10	0.34	11.45
3	0.56	16.19	3.69	23.49	1.30	17.33	0.44	13.59
3.5	0.68	18.44	4.25	26.38	1.58	19.40	0.49	16.65
4	0.80	20.67	4.90	29.39	1.86	21.47	0.56	18.45
4.5	0.84	21.41	5.09	30.45	2.00	22.20	0.58	19.34
5	1.05	24.65	6.16	34.91	2.39	25.82	0.71	22.84
5.5	1.22	27.25	7.22	38.28	2.87	28.86	0.86	25.70
6	1.41	29.91	8.08	41.48	3.19	30.98	1.02	27.55
6.5	1.51	31.18	8.65	43.16	3.43	32.48	1.12	28.29
7	1.72	33.65	9.51	46.01	3.91	35.26	1.24	29.91
7.5	1.80	34.69	9.99	47.23	4.09	36.31	1.31	32.05
8	1.97	36.69	10.77	49.22	4.43	38.16	1.44	33.24
8.5	2.06	37.59	11.06	50.13	4.70	38.76	1.48	34.11
9	2.18	38.87	11.60	51.74	4.94	39.77	1.57	35.26
9.5	2.28	39.89	11.99	52.81	5.22	41.04	1.67	35.56
10	2.43	41.22	12.58	54.48	5.44	42.49	1.75	37.04
10.5	2.55	42.11	13.02	55.42	5.67	43.46	1.81	37.32
11	2.73	43.52	13.66	56.91	6.01	44.83	1.99	39.22
11.5	2.88	44.94	14.34	58.58	6.28	46.23	2.09	40.54
12	3.22	47.55	15.66	61.13	6.94	48.80	2.33	43.84
12.5	3.44	48.94	16.54	62.43	7.30	50.01	2.56	45.55
13	3.72	50.59	17.51	63.82	7.87	51.23	2.81	46.65
13.5	3.91	52.27	18.33	65.16	8.21	52.79	2.98	49.30
14	4.26	55.26	19.59	67.67	8.88	55.87	3.21	52.17
14.5	4.44	56.74	20.37	68.88	9.28	57.50	3.39	53.43
15	4.78	58.92	21.51	70.75	9.87	59.57	3.62	55.22
15.5	4.98	60.01	22.21	71.75	10.22	60.65	3.78	56.89
16	5.29	61.67	23.20	73.31	10.77	62.39	3.99	58.35
16.5	5.52	62.79	24.02	74.13	11.31	63.61	4.19	59.14
17	5.81	63.99	24.92	75.17	11.94	65.09	4.41	59.87
17.5	6.01	64.79	25.58	76.07	12.29	65.92	4.53	60.52
18	6.31	66.00	26.37	77.02	12.82	67.06	4.81	61.73
18.5	6.52	66.76	27.04	77.69	13.21	67.77	4.94	61.99
19	6.83	67.87	27.78	78.36	13.76	68.93	5.26	62.57
19.5	7.02	68.51	28.36	78.80	14.11	69.68	5.47	63.34
20	7.36	70.90	29.43	81.73	14.78	72.79	5.73	64.74
20.5	7.54	71.73	29.95	82.60	15.18	73.83	5.91	66.03
21	7.84	72.84	30.79	83.74	15.95	74.85	6.15	67.11
21.5	8.02	73.37	31.31	84.40	16.29	75.39	6.29	67.91
22	8.34	74.13	32.13	85.19	16.79	76.37	6.62	68.38
22.5	8.58	74.70	32.71	85.81	17.23	76.96	6.80	69.10
23	8.90	75.52	33.63	86.62	17.85	77.89	7.08	69.57
23.5	9.20	76.38	34.42	87.20	18.65	78.93	7.27	70.02
24	9.72	77.63	35.69	88.15	19.75	80.54	7.72	71.14
24.5	10.03	78.33	36.47	88.59	20.39	81.12	7.96	71.63
25	10.43	79.10	37.45	89.26	21.26	82.03	8.21	72.52
25.5	10.70	79.68	38.30	89.67	21.81	82.37	8.40	73.02
26	11.10	80.35	39.30	90.53	22.61	83.25	8.75	74.46
26.5	11.47	81.01	40.05	91.00	23.28	84.09	9.14	75.10
27	12.04	81.94	41.17	91.62	24.35	84.99	9.61	75.54
27.5	12.36	82.52	42.01	91.99	25.02	85.78	9.90	75.93
28	12.93	83.26	43.23	92.44	26.12	86.38	10.39	76.96
28.5	13.28	83.73	44.00	92.75	26.95	86.84	10.75	77.43
29	14.00	84.58	45.23	93.19	28.14	87.64	11.36	78.39
29.5	14.41	85.20	45.79	93.34	28.75	87.95	11.60	78.57
30	14.93	85.80	46.83	93.71	29.63	88.59	12.19	79.24
30.5	15.28	86.24	47.57	93.92	30.14	88.83	12.61	80.07
31	15.92	86.94	48.68	94.32	31.19	89.49	13.42	80.80
31.5	16.29	87.34	49.25	94.56	31.81	89.89	13.79	81.18
32	16.79	87.82	50.13	94.90	32.74	90.37	14.19	81.59
32.5	17.22	88.16	50.86	95.11	33.58	90.71	14.76	82.49
33	17.76	88.57	51.72	95.34	34.33	90.95	15.31	83.51
33.5	18.19	88.86	52.44	95.64	35.04	91.24	15.66	84.27
34	18.75	89.39	53.27	95.87	35.85	91.63	16.28	85.12
34.5	19.27	89.74	54.02	96.03	36.59	92.00	16.69	85.46
35	20.04	90.41	55.30	96.29	37.74	92.42	17.49	86.28
35.5	20.31	90.63	55.66	96.42	38.26	92.73	17.89	86.51
36	21.12	91.05	56.61	96.67	39.35	93.40	18.62	87.05
36.5	21.48	91.25	57.03	96.72	39.83	93.51	18.99	87.29
37	22.33	91.60	58.24	96.98	41.18	93.85	19.97	87.65
37.5	22.67	91.81	58.74	97.02	41.60	93.92	20.22	88.03
38	23.49	92.28	59.94	97.20	42.87	94.34	21.13	88.30
38.5	23.82	92.42	60.44	97.30	43.28	94.49	21.42	88.49
39	24.53	92.89	61.32	97.47	44.34	94.73	22.37	89.00
39.5	24.79	93.04	61.68	97.52	44.69	94.80	22.61	89.03
40	25.37	93.30	62.32	97.58	45.37	94.99	23.16	89.42
40.5	25.81	93.46	63.01	97.73	45.91	95.05	23.69	89.85
41	26.45	93.75	63.91	97.83	46.75	95.21	24.47	90.05
41.5	26.75	93.87	64.26	97.88	47.22	95.27	24.84	90.12
42	27.46	94.20	65.20	98.05	48.24	95.39	25.56	90.58
42.5	27.89	94.37	65.83	98.10	48.81	95.54	26.00	90.84
43	28.57	94.66	66.67	98.27	49.73	95.65	26.64	91.34
43.5	29.01	94.79	67.12	98.33	50.29	95.73	27.20	91.51
44	29.72	95.02	68.01	98.47	51.32	96.09	28.07	91.63
44.5	30.35	95.23	68.60	98.54	52.06	96.22	28.69	91.85
45	30.89	95.37	69.20	98.59	52.87	96.42	29.33	92.07
45.5	31.49	95.53	69.85	98.61	53.56	96.53	30.03	92.12
46	32.13	95.75	70.50	98.65	54.34	96.66	30.75	92.33
46.5	32.55	95.85	70.85	98.69	54.80	96.74	31.40	92.40
47	33.42	96.01	71.63	98.78	55.77	96.98	32.40	92.57
47.5	33.80	96.07	72.00	98.81	56.19	96.99	32.95	92.76
48	34.68	96.23	72.65	98.86	57.07	97.20	33.84	93.00
48.5	35.13	96.31	73.01	98.87	57.53	97.28	34.30	93.21
49	35.65	96.38	73.43	98.93	58.13	97.38	34.87	93.37
49.5	36.20	96.51	73.86	98.94	58.74	97.41	35.45	93.64
50	36.89	96.63	74.48	99.01	59.52	97.48	36.27	93.81
50.5	37.23	96.68	74.81	99.03	59.90	97.52	36.70	93.98
51	37.88	96.78	75.33	99.07	60.65	97.57	37.66	94.15
51.5	38.38	96.86	75.67	99.10	61.20	97.64	38.19	94.56
52	39.05	96.98	76.07	99.12	61.95	97.82	39.16	94.77
52.5	39.51	97.05	76.48	99.16	62.56	97.94	39.90	94.80
53	40.16	97.16	76.98	99.22	63.30	97.98	40.88	95.20
53.5	40.73	97.24	77.49	99.25	63.87	98.08	41.77	95.59
54	41.45	97.35	77.97	99.30	64.66	98.17	42.76	96.09
54.5	41.81	97.40	78.23	99.34	65.06	98.18	43.39	96.11
55	42.57	97.49	78.84	99.39	65.86	98.22	44.49	96.27
55.5	43.00	97.54	79.23	99.40	66.33	98.28	44.96	96.32
56	43.67	97.61	79.66	99.43	67.10	98.31	45.75	96.45
56.5	44.09	97.66	80.00	99.43	67.61	98.32	46.40	96.62
57	44.81	97.72	80.37	99.46	68.42	98.34	47.37	96.78
57.5	45.23	97.78	80.55	99.46	68.85	98.45	47.96	96.92
58	45.95	97.84	80.92	99.47	69.61	98.52	48.72	96.95
58.5	46.44	97.88	81.20	99.50	70.11	98.57	49.37	97.00
59	47.15	98.00	81.68	99.54	70.73	98.72	50.26	97.22
59.5	47.66	98.03	81.95	99.57	71.21	98.81	50.86	97.22
60	48.44	98.07	82.47	99.62	71.91	98.99	51.94	97.43
60.5	48.81	98.09	82.68	99.64	72.31	99.02	52.53	97.43
61	49.41	98.13	83.05	99.66	72.80	99.08	53.07	97.53
61.5	49.99	98.16	83.38	99.66	73.26	99.09	53.77	97.53
62	50.58	98.21	83.74	99.67	73.81	99.11	54.53	97.53
62.5	51.21	98.23	84.07	99.72	74.34	99.12	55.64	97.58
63	51.83	98.30	84.40	99.75	74.71	99.15	56.33	97.61
63.5	52.49	98.37	84.77	99.77	75.21	99.29	57.11	97.74
64	53.18	98.42	85.05	99.78	75.83	99.32	57.89	98.00
64.5	53.50	98.43	85.27	99.79	76.14	99.33	58.22	98.00
65	54.18	98.48	85.53	99.79	76.71	99.36	59.09	98.16
65.5	54.60	98.52	85.73	99.81	76.94	99.36	59.63	98.17
66	55.28	98.55	86.02	99.81	77.41	99.40	60.37	98.20
66.5	55.65	98.56	86.18	99.81	77.84	99.41	60.97	98.21
67	56.03	98.56	86.30	99.82	78.10	99.41	61.26	98.21
67.5	56.83	98.61	86.77	99.82	78.77	99.48	62.42	98.29
68	57.10	98.63	86.90	99.82	79.00	99.49	62.71	98.29
68.5	57.46	98.64	87.07	99.82	79.27	99.49	63.11	98.29
69	58.28	98.71	87.38	99.83	79.85	99.50	64.02	98.30
69.5	58.79	98.73	87.55	99.83	80.20	99.53	64.58	98.35
70	59.27	98.75	87.77	99.85	80.56	99.57	65.16	98.36
70.5	59.77	98.76	88.05	99.85	80.91	99.57	65.62	98.41
71	60.19	98.78	88.22	99.86	81.24	99.58	66.08	98.41
71.5	60.55	98.80	88.41	99.86	81.51	99.59	66.45	98.41
72	61.42	98.85	88.72	99.86	82.09	99.68	67.46	98.53
73	62.42	98.90	89.21	99.88	82.67	99.70	68.63	98.55
73.5	62.86	98.94	89.36	99.89	82.92	99.74	68.94	98.56
74	63.35	98.96	89.60	99.89	83.18	99.74	69.44	98.56
74.5	64.13	99.00	89.90	99.89	83.71	99.75	70.08	98.69
75	64.81	99.03	90.20	99.92	84.17	99.77	70.61	98.69
75.5	65.36	99.05	90.41	99.93	84.51	99.77	71.23	98.69
76	65.87	99.07	90.59	99.93	84.79	99.78	71.70	98.70
76.5	66.53	99.09	90.90	99.93	85.18	99.79	72.29	98.70
77	67.78	99.17	91.39	99.94	86.08	99.81	73.95	99.08
78	68.96	99.21	91.75	99.95	86.73	99.81	74.94	99.08
78.5	69.47	99.23	91.87	99.95	86.95	99.81	75.37	99.08
79	70.18	99.24	92.09	99.95	87.30	99.84	75.89	99.13
79.5	70.70	99.27	92.26	99.95	87.63	99.84	76.44	99.26
80	71.35	99.28	92.56	99.95	88.04	99.85	77.05	99.34
80.5	72.04	99.30	92.90	99.95	88.41	99.85	77.60	99.34
81	73.29	99.32	93.25	99.95	89.01	99.85	78.68	99.38
81.5	73.87	99.34	93.41	99.95	89.32	99.86	79.23	99.38
82	74.41	99.36	93.58	99.95	89.58	99.86	79.74	99.38
82.5	75.02	99.38	93.80	99.95	89.87	99.86	80.35	99.38
83	75.65	99.40	94.01	99.95	90.16	99.87	80.85	99.40
83.5	76.46	99.42	94.27	99.95	90.51	99.88	81.44	99.44
84	77.47	99.44	94.54	99.95	91.05	99.88	82.34	99.47
84.5	78.03	99.46	94.73	99.95	91.35	99.88	82.70	99.47
85	78.59	99.47	94.94	99.96	91.58	99.88	83.14	99.47
85.5	79.72	99.49	95.31	99.96	92.13	99.88	83.95	99.47
86	80.39	99.49	95.49	99.96	92.37	99.88	84.39	99.47
86.5	81.19	99.50	95.74	99.96	92.84	99.90	85.11	99.47
87	81.67	99.52	95.90	99.96	92.99	99.90	85.47	99.48
87.5	82.62	99.53	96.18	99.97	93.39	99.90	86.22	99.48
88	83.09	99.55	96.27	99.97	93.61	99.90	86.64	99.48
88.5	84.04	99.57	96.49	99.98	93.96	99.90	87.38	99.51
89	84.57	99.58	96.60	99.98	94.13	99.90	87.88	99.51
89.5	85.67	99.60	96.85	99.98	94.55	99.91	88.70	99.64
90	86.26	99.61	96.97	99.98	94.77	99.91	89.13	99.64
90.5	86.82	99.63	97.04	99.98	95.03	99.93	89.59	99.64
91	87.16	99.65	97.10	99.98	95.14	99.93	89.94	99.64
91.5	87.73	99.67	97.21	99.98	95.33	99.93	90.39	99.65
92	88.55	99.69	97.45	99.98	95.67	99.93	90.97	99.65
93	89.72	99.72	97.74	99.98	96.11	99.93	91.87	99.68
93.5	90.70	99.74	97.96	99.98	96.53	99.94	92.47	99.69
94	91.49	99.78	98.18	99.98	96.78	99.98	93.00	99.81
94.5	92.75	99.85	98.43	99.99	97.25	99.98	93.85	99.82
95	93.77	99.86	98.60	99.99	97.62	99.99	94.60	99.86
95.5	94.17	99.87	98.67	99.99	97.79	99.99	94.88	99.86
96	95.20	99.89	98.90	99.99	98.19	99.99	95.78	99.89
96.5	95.50	99.89	98.97	99.99	98.29	99.99	96.03	99.89
97	96.28	99.91	99.14	100.00	98.58	99.99	96.76	99.97
97.5	97.32	99.94	99.39	100.00	98.97	99.99	97.63	99.98
98	98.76	99.96	99.79	100.00	99.54	100.00	98.77	99.98
98.5	99.54	100.00	99.91	100.00	99.83	100.00	99.54	100.00
99	99.89	100.00	99.97	100.00	99.97	100.00	99.87	100.00
99.5	99.97	100.00	100.00	100.00	100.00	100.00	99.93	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.D. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Random-Account Performance)
Race or ethnicity (location-based distribution)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.10	0.02	0.11	0.00	0.09	0.00	0.10
0.5	0.05	2.07	0.14	2.59	0.09	2.22	0.05	2.32
1	0.26	8.11	0.81	10.21	0.53	8.97	0.29	9.30
1.5	0.33	9.93	1.02	12.17	0.62	10.91	0.35	11.26
2	0.42	12.30	1.26	14.88	0.78	13.35	0.43	13.27
2.5	0.51	14.11	1.47	17.24	0.95	15.26	0.51	14.93
3	0.65	16.75	1.89	20.45	1.22	18.47	0.66	17.84
3.5	0.77	18.99	2.21	23.23	1.43	20.73	0.75	20.04
4	0.91	21.22	2.55	25.82	1.69	22.92	0.88	22.11
4.5	0.95	21.94	2.68	26.76	1.77	23.79	0.93	22.89
5	1.18	25.36	3.26	31.02	2.15	27.36	1.14	26.37
5.5	1.38	28.05	3.79	34.08	2.51	30.19	1.33	28.90
6	1.60	30.64	4.26	37.06	2.82	32.64	1.52	31.29
6.5	1.72	31.95	4.52	38.53	3.01	34.10	1.63	32.59
7	1.95	34.45	4.94	41.16	3.38	36.44	1.83	34.55
7.5	2.05	35.54	5.18	42.31	3.54	37.58	1.95	35.79
8	2.23	37.52	5.62	44.17	3.83	39.34	2.11	37.57
8.5	2.33	38.40	5.81	44.99	3.99	40.10	2.20	38.33
9	2.46	39.63	6.10	46.50	4.20	41.27	2.31	39.34
9.5	2.57	40.59	6.34	47.71	4.41	42.29	2.41	40.20
10	2.73	41.94	6.69	49.26	4.60	43.68	2.54	41.73
10.5	2.85	42.81	6.95	50.12	4.78	44.55	2.66	42.53
11	3.03	44.22	7.36	51.74	5.05	45.96	2.87	43.94
11.5	3.20	45.66	7.72	53.28	5.31	47.36	3.04	45.09
12	3.57	48.25	8.47	55.76	5.82	49.64	3.41	48.02
12.5	3.81	49.59	8.92	57.11	6.12	50.84	3.62	49.12
13	4.11	51.15	9.55	58.70	6.57	52.19	3.89	50.64
13.5	4.31	52.77	9.98	60.08	6.84	53.81	4.08	52.44
14	4.67	55.58	10.73	62.75	7.39	56.51	4.45	55.12
14.5	4.87	57.08	11.17	63.92	7.72	57.84	4.61	56.25
15	5.22	59.24	11.79	65.75	8.23	59.70	4.96	58.01
15.5	5.43	60.33	12.19	66.69	8.56	60.75	5.15	59.28
16	5.75	61.93	12.79	68.13	9.03	62.50	5.46	61.22
16.5	6.00	63.03	13.26	68.90	9.38	63.51	5.71	62.27
17	6.30	64.20	13.88	70.10	9.86	64.91	6.05	63.44
17.5	6.50	64.98	14.30	71.03	10.12	65.67	6.24	64.07
18	6.82	66.17	14.78	72.11	10.56	66.78	6.52	65.17
18.5	7.03	66.95	15.18	72.76	10.85	67.40	6.70	65.73
19	7.36	67.97	15.67	73.62	11.25	68.36	7.04	66.53
19.5	7.56	68.62	16.06	74.12	11.55	68.98	7.24	67.33
20	7.93	71.27	16.78	77.37	12.14	72.17	7.61	70.18
20.5	8.13	72.18	17.11	78.45	12.44	73.17	7.84	71.29
21	8.46	73.33	17.66	79.59	12.92	74.35	8.18	72.43
21.5	8.66	73.91	18.02	80.27	13.21	74.97	8.40	73.16
22	8.97	74.73	18.56	81.06	13.66	75.79	8.75	73.98
22.5	9.22	75.29	18.97	81.74	14.03	76.34	8.99	74.57
23	9.55	76.14	19.60	82.57	14.52	77.12	9.29	75.29
23.5	9.86	76.97	20.14	83.22	15.05	77.91	9.63	75.94
24	10.39	78.19	21.04	84.30	15.92	79.23	10.16	77.20
24.5	10.72	78.83	21.59	84.82	16.41	79.77	10.48	77.77
25	11.13	79.63	22.25	85.49	17.09	80.52	10.86	78.56
25.5	11.42	80.17	22.74	85.97	17.54	81.09	11.11	79.01
26	11.84	80.88	23.41	86.79	18.16	81.90	11.50	79.68
26.5	12.22	81.53	23.96	87.27	18.68	82.60	11.85	80.33
27	12.80	82.42	24.78	87.96	19.54	83.52	12.41	81.04
27.5	13.13	82.99	25.39	88.38	20.04	84.08	12.77	81.67
28	13.73	83.72	26.26	89.01	20.85	84.67	13.31	82.36
28.5	14.10	84.19	26.78	89.37	21.45	85.19	13.68	82.96
29	14.82	84.91	27.79	89.99	22.45	85.99	14.47	83.67
29.5	15.21	85.42	28.30	90.28	22.99	86.36	14.87	83.99
30	15.75	86.01	29.14	90.75	23.75	86.95	15.45	84.77
30.5	16.11	86.41	29.66	90.99	24.21	87.27	15.80	85.12
31	16.75	87.06	30.59	91.52	25.08	88.00	16.46	85.85
31.5	17.12	87.43	31.04	91.84	25.58	88.33	16.87	86.15
32	17.64	87.92	31.76	92.18	26.30	88.81	17.39	86.61
32.5	18.08	88.28	32.38	92.39	26.96	89.24	17.88	86.98
33	18.63	88.70	33.05	92.75	27.63	89.66	18.37	87.38
33.5	19.06	89.01	33.66	93.09	28.23	90.11	18.85	87.79
34	19.63	89.52	34.35	93.40	29.05	90.63	19.43	88.34
34.5	20.13	89.84	34.99	93.61	29.70	90.97	19.93	88.73
35	20.91	90.45	36.03	93.89	30.65	91.38	20.72	89.44
35.5	21.18	90.68	36.38	94.11	31.01	91.52	21.05	89.68
36	21.97	91.10	37.31	94.48	31.98	92.03	21.94	90.07
36.5	22.31	91.28	37.74	94.60	32.46	92.19	22.32	90.21
37	23.18	91.69	38.74	94.95	33.58	92.64	23.25	90.61
37.5	23.53	91.87	39.15	95.06	33.96	92.82	23.60	90.87
38	24.37	92.29	40.24	95.29	34.97	93.22	24.53	91.39
38.5	24.69	92.44	40.61	95.42	35.37	93.36	24.90	91.60
39	25.40	92.89	41.44	95.63	36.28	93.77	25.79	92.14
39.5	25.66	93.03	41.77	95.70	36.62	93.85	26.08	92.22
40	26.22	93.27	42.46	95.84	37.35	94.15	26.67	92.66
40.5	26.67	93.45	43.05	96.02	37.86	94.27	27.19	92.86
41	27.32	93.70	43.78	96.16	38.67	94.49	27.86	93.07
41.5	27.63	93.80	44.10	96.24	39.02	94.60	28.20	93.16
42	28.35	94.13	44.92	96.45	39.93	94.81	28.92	93.37
42.5	28.80	94.28	45.43	96.56	40.47	94.98	29.40	93.60
43	29.48	94.55	46.26	96.76	41.23	95.14	30.03	93.91
43.5	29.92	94.66	46.73	96.81	41.75	95.28	30.52	94.05
44	30.65	94.89	47.57	96.99	42.68	95.60	31.31	94.28
44.5	31.29	95.11	48.17	97.07	43.38	95.74	31.98	94.41
45	31.83	95.26	48.81	97.18	44.08	95.92	32.57	94.67
45.5	32.44	95.39	49.43	97.26	44.79	96.04	33.23	94.79
46	33.08	95.59	50.16	97.41	45.52	96.23	33.91	94.94
46.5	33.51	95.68	50.63	97.45	45.95	96.31	34.40	95.01
47	34.38	95.85	51.56	97.60	46.92	96.52	35.36	95.18
47.5	34.77	95.91	51.94	97.66	47.34	96.59	35.79	95.30
48	35.65	96.09	52.77	97.79	48.23	96.79	36.66	95.46
48.5	36.10	96.17	53.22	97.82	48.69	96.85	37.10	95.55
49	36.63	96.25	53.74	97.89	49.21	96.95	37.61	95.68
49.5	37.19	96.35	54.28	97.93	49.80	97.07	38.12	95.85
50	37.91	96.46	55.03	98.01	50.58	97.17	38.88	95.94
50.5	38.27	96.51	55.36	98.04	50.92	97.20	39.24	95.99
51	38.94	96.61	56.07	98.13	51.66	97.28	40.07	96.04
51.5	39.43	96.70	56.56	98.21	52.19	97.35	40.62	96.16
52	40.10	96.81	57.17	98.26	52.92	97.48	41.36	96.28
52.5	40.57	96.88	57.68	98.34	53.45	97.56	41.86	96.41
53	41.23	96.98	58.32	98.43	54.20	97.63	42.69	96.57
53.5	41.83	97.07	58.92	98.47	54.78	97.73	43.37	96.69
54	42.55	97.21	59.65	98.57	55.59	97.82	44.23	96.82
54.5	42.92	97.27	59.96	98.61	55.99	97.86	44.66	96.85
55	43.70	97.37	60.66	98.68	56.88	97.99	45.55	96.94
55.5	44.13	97.44	61.07	98.70	57.32	98.04	46.04	96.99
56	44.84	97.52	61.69	98.73	58.03	98.10	46.74	97.05
56.5	45.27	97.57	62.13	98.74	58.49	98.15	47.25	97.13
57	46.02	97.66	62.77	98.78	59.24	98.18	48.09	97.18
57.5	46.45	97.72	63.12	98.81	59.73	98.27	48.58	97.29
58	47.19	97.79	63.68	98.84	60.42	98.35	49.29	97.35
58.5	47.69	97.84	64.13	98.87	60.90	98.42	49.90	97.42
59	48.40	97.96	64.75	98.95	61.55	98.54	50.68	97.51
59.5	48.91	98.00	65.17	98.96	62.06	98.62	51.16	97.57
60	49.73	98.07	65.86	99.03	62.82	98.72	52.04	97.71
60.5	50.10	98.10	66.19	99.04	63.18	98.73	52.48	97.72
61	50.70	98.14	66.69	99.08	63.75	98.77	53.03	97.85
61.5	51.29	98.20	67.20	99.10	64.31	98.81	53.65	97.89
62	51.89	98.24	67.70	99.11	64.84	98.84	54.22	97.92
62.5	52.53	98.27	68.26	99.16	65.46	98.86	54.91	97.93
63	53.14	98.35	68.77	99.20	65.97	98.88	55.56	97.98
63.5	53.86	98.43	69.31	99.23	66.61	98.98	56.34	98.11
64	54.59	98.51	69.89	99.31	67.28	99.10	57.08	98.25
64.5	54.93	98.53	70.17	99.31	67.56	99.13	57.37	98.26
65	55.66	98.60	70.76	99.34	68.23	99.18	58.16	98.37
65.5	56.10	98.64	71.06	99.37	68.58	99.19	58.59	98.39
66	56.81	98.69	71.58	99.38	69.19	99.21	59.23	98.45
66.5	57.36	98.70	72.05	99.38	69.74	99.22	59.84	98.46
67	57.76	98.71	72.33	99.39	70.07	99.23	60.19	98.47
67.5	58.67	98.77	73.11	99.43	70.96	99.27	61.20	98.53
68	58.95	98.79	73.37	99.43	71.23	99.28	61.55	98.54
68.5	59.33	98.80	73.63	99.45	71.55	99.30	61.94	98.55
69	60.24	98.86	74.33	99.48	72.32	99.34	62.85	98.60
69.5	60.74	98.88	74.67	99.49	72.71	99.37	63.32	98.61
70	61.25	98.90	75.06	99.52	73.18	99.39	63.85	98.64
70.5	61.75	98.92	75.53	99.53	73.60	99.39	64.32	98.65
71	62.16	98.94	75.82	99.55	73.94	99.41	64.73	98.66
71.5	62.54	98.95	76.14	99.56	74.28	99.42	65.11	98.69
72	63.43	98.99	76.78	99.58	74.99	99.47	65.96	98.76
73	64.42	99.04	77.52	99.61	75.78	99.49	66.93	98.79
73.5	64.86	99.08	77.90	99.62	76.14	99.51	67.30	98.81
74	65.35	99.10	78.31	99.63	76.52	99.52	67.77	98.83
74.5	66.21	99.14	78.95	99.64	77.22	99.54	68.59	98.88
75	67.00	99.18	79.66	99.67	77.87	99.55	69.24	98.92
75.5	67.54	99.19	80.02	99.68	78.28	99.55	69.72	98.94
76	68.03	99.20	80.35	99.69	78.61	99.57	70.16	98.96
76.5	68.65	99.22	80.74	99.70	79.04	99.57	70.75	98.97
77	69.93	99.30	81.66	99.73	80.09	99.61	72.14	99.09
78	71.07	99.34	82.43	99.74	80.91	99.63	73.23	99.14
78.5	71.55	99.34	82.73	99.76	81.25	99.63	73.68	99.14
79	72.25	99.36	83.19	99.76	81.72	99.64	74.24	99.25
79.5	72.73	99.38	83.56	99.77	82.08	99.65	74.67	99.30
80	73.35	99.39	84.00	99.78	82.59	99.66	75.27	99.33
80.5	74.06	99.42	84.49	99.78	83.14	99.68	75.96	99.34
81	75.22	99.44	85.22	99.79	83.94	99.69	76.98	99.38
81.5	75.76	99.46	85.58	99.79	84.29	99.70	77.50	99.39
82	76.27	99.47	85.84	99.80	84.61	99.70	77.94	99.40
82.5	76.84	99.49	86.22	99.80	85.01	99.73	78.43	99.40
83	77.43	99.50	86.56	99.80	85.41	99.74	78.95	99.41
83.5	78.21	99.53	87.06	99.81	85.93	99.76	79.61	99.43
84	79.15	99.54	87.62	99.81	86.57	99.76	80.46	99.44
84.5	79.67	99.55	87.95	99.81	86.90	99.77	80.91	99.45
85	80.18	99.57	88.29	99.81	87.24	99.77	81.37	99.46
85.5	81.24	99.58	88.98	99.82	87.98	99.77	82.31	99.48
86	81.85	99.58	89.33	99.82	88.35	99.78	82.87	99.48
86.5	82.58	99.59	89.76	99.82	88.87	99.79	83.60	99.48
87	83.03	99.60	89.99	99.83	89.15	99.79	84.04	99.49
87.5	83.89	99.62	90.50	99.85	89.72	99.80	84.85	99.50
88	84.33	99.63	90.74	99.85	89.98	99.80	85.30	99.50
88.5	85.20	99.64	91.27	99.86	90.54	99.81	86.04	99.51
89	85.68	99.65	91.53	99.86	90.86	99.81	86.48	99.52
89.5	86.69	99.67	92.12	99.87	91.48	99.82	87.40	99.60
90	87.22	99.67	92.43	99.87	91.82	99.82	87.82	99.61
90.5	87.73	99.69	92.69	99.87	92.14	99.84	88.28	99.62
91	88.05	99.70	92.84	99.88	92.32	99.85	88.60	99.63
91.5	88.57	99.72	93.15	99.88	92.61	99.85	89.07	99.63
92	89.32	99.73	93.58	99.89	93.11	99.86	89.83	99.66
93	90.38	99.76	94.21	99.90	93.76	99.86	90.77	99.69
93.5	91.28	99.77	94.75	99.90	94.36	99.87	91.54	99.73
94	92.02	99.80	95.25	99.91	94.81	99.92	92.18	99.79
94.5	93.19	99.86	96.02	99.93	95.60	99.93	93.13	99.83
95	94.13	99.88	96.57	99.93	96.22	99.94	94.07	99.86
95.5	94.50	99.89	96.79	99.93	96.46	99.94	94.42	99.87
96	95.48	99.91	97.37	99.95	97.10	99.97	95.39	99.88
96.5	95.76	99.91	97.54	99.95	97.28	99.97	95.68	99.88
97	96.49	99.93	97.98	99.96	97.74	99.97	96.35	99.89
97.5	97.47	99.95	98.63	99.98	98.40	99.98	97.41	99.91
98	98.82	99.97	99.41	100.00	99.24	99.99	98.70	99.92
98.5	99.58	100.00	99.78	100.00	99.72	100.00	99.47	100.00
99	99.90	100.00	99.95	100.00	99.93	100.00	99.86	100.00
99.5	99.97	100.00	99.99	100.00	99.99	100.00	99.96	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.D. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Random-Account Performance)
Sex
Percent

Score	Male (Good)	Male (Bad)	Female (Good)	Female (Bad)
0	0.00	0.07	0.00	0.12
0.5	0.05	1.95	0.07	2.47
1	0.31	8.03	0.38	9.61
1.5	0.39	9.88	0.47	11.62
2	0.48	12.27	0.60	14.18
2.5	0.59	14.27	0.72	16.15
3	0.76	17.06	0.92	19.16
3.5	0.91	19.51	1.08	21.55
4	1.06	21.80	1.27	23.97
4.5	1.11	22.57	1.33	24.85
5	1.37	26.07	1.65	28.65
5.5	1.61	28.83	1.93	31.60
6	1.84	31.63	2.19	34.16
6.5	1.98	33.03	2.34	35.53
7	2.26	35.66	2.61	38.03
7.5	2.40	36.92	2.72	39.04
8	2.61	38.97	2.95	40.94
8.5	2.73	39.89	3.06	41.74
9	2.89	41.24	3.22	43.01
9.5	3.03	42.28	3.36	44.05
10	3.20	43.73	3.55	45.45
10.5	3.34	44.61	3.71	46.37
11	3.58	46.07	3.91	47.80
11.5	3.77	47.40	4.13	49.44
12	4.16	49.81	4.58	52.23
12.5	4.44	51.20	4.85	53.52
13	4.79	52.76	5.22	55.07
13.5	5.01	54.36	5.48	56.68
14	5.42	57.00	5.93	59.73
14.5	5.67	58.37	6.17	61.21
15	6.07	60.49	6.57	63.24
15.5	6.30	61.72	6.83	64.19
16	6.65	63.41	7.22	65.73
16.5	6.95	64.51	7.50	66.69
17	7.31	65.74	7.86	67.82
17.5	7.55	66.62	8.09	68.58
18	7.90	67.82	8.44	69.65
18.5	8.19	68.46	8.66	70.44
19	8.59	69.50	8.98	71.37
19.5	8.84	70.12	9.21	71.97
20	9.27	72.79	9.61	74.45
20.5	9.51	73.81	9.82	75.19
21	9.87	74.96	10.20	76.23
21.5	10.12	75.61	10.41	76.75
22	10.51	76.47	10.75	77.45
22.5	10.78	77.02	11.03	78.08
23	11.16	77.85	11.41	78.90
23.5	11.54	78.72	11.77	79.64
24	12.14	79.97	12.39	80.81
24.5	12.52	80.58	12.76	81.39
25	13.02	81.40	13.20	82.13
25.5	13.33	81.96	13.55	82.59
26	13.84	82.74	13.98	83.33
26.5	14.28	83.41	14.39	83.93
27	14.94	84.26	15.04	84.79
27.5	15.33	84.80	15.40	85.35
28	16.03	85.46	16.03	86.07
28.5	16.50	85.92	16.40	86.46
29	17.35	86.66	17.13	87.16
29.5	17.79	87.05	17.55	87.63
30	18.40	87.64	18.13	88.15
30.5	18.80	87.97	18.51	88.55
31	19.51	88.55	19.23	89.23
31.5	19.94	88.92	19.60	89.57
32	20.49	89.36	20.16	90.01
32.5	20.99	89.69	20.64	90.32
33	21.60	90.07	21.21	90.68
33.5	22.08	90.39	21.67	90.98
34	22.77	90.88	22.20	91.41
34.5	23.35	91.19	22.72	91.71
35	24.22	91.73	23.51	92.25
35.5	24.53	91.99	23.80	92.41
36	25.40	92.43	24.60	92.79
36.5	25.80	92.60	24.94	92.90
37	26.81	93.02	25.79	93.19
37.5	27.20	93.22	26.13	93.30
38	28.16	93.60	26.95	93.68
38.5	28.54	93.73	27.27	93.82
39	29.33	94.08	27.99	94.22
39.5	29.60	94.21	28.27	94.32
40	30.22	94.43	28.84	94.53
40.5	30.71	94.60	29.31	94.68
41	31.43	94.81	29.94	94.90
41.5	31.76	94.92	30.26	94.98
42	32.52	95.17	31.02	95.27
42.5	32.96	95.32	31.49	95.39
43	33.66	95.55	32.20	95.64
43.5	34.15	95.65	32.62	95.74
44	34.93	95.84	33.37	95.97
44.5	35.58	96.00	33.99	96.16
45	36.17	96.15	34.56	96.28
45.5	36.79	96.22	35.17	96.44
46	37.50	96.39	35.79	96.59
46.5	37.95	96.48	36.19	96.67
47	38.85	96.67	37.06	96.81
47.5	39.27	96.72	37.44	96.86
48	40.17	96.87	38.27	96.97
48.5	40.64	96.94	38.68	97.03
49	41.19	97.03	39.18	97.10
49.5	41.76	97.11	39.71	97.19
50	42.50	97.22	40.37	97.28
50.5	42.89	97.27	40.66	97.33
51	43.55	97.33	41.33	97.42
51.5	44.08	97.40	41.79	97.50
52	44.75	97.49	42.45	97.60
52.5	45.25	97.55	42.91	97.67
53	45.93	97.66	43.56	97.75
53.5	46.54	97.73	44.12	97.84
54	47.29	97.85	44.81	97.93
54.5	47.68	97.89	45.15	97.97
55	48.42	97.95	45.94	98.07
55.5	48.88	97.99	46.33	98.12
56	49.61	98.04	46.93	98.18
56.5	50.05	98.07	47.35	98.22
57	50.79	98.13	48.03	98.27
57.5	51.22	98.18	48.43	98.32
58	51.94	98.21	49.13	98.37
58.5	52.45	98.26	49.60	98.41
59	53.20	98.39	50.23	98.49
59.5	53.71	98.43	50.71	98.52
60	54.47	98.50	51.49	98.58
60.5	54.83	98.52	51.86	98.60
61	55.43	98.54	52.41	98.65
61.5	55.98	98.57	53.00	98.68
62	56.56	98.61	53.56	98.71
62.5	57.17	98.62	54.20	98.75
63	57.75	98.70	54.77	98.79
63.5	58.40	98.79	55.40	98.83
64	59.07	98.85	56.07	98.89
64.5	59.40	98.86	56.37	98.89
65	60.05	98.91	57.01	98.92
65.5	60.46	98.95	57.39	98.95
66	61.11	98.99	58.03	98.96
66.5	61.48	98.99	58.40	98.96
67	61.85	99.00	58.72	98.97
67.5	62.63	99.04	59.51	99.00
68	62.88	99.06	59.78	99.00
68.5	63.24	99.07	60.11	99.01
69	64.04	99.12	60.83	99.04
69.5	64.52	99.14	61.30	99.05
70	64.93	99.15	61.80	99.09
70.5	65.44	99.16	62.24	99.10
71	65.84	99.18	62.61	99.11
71.5	66.21	99.19	62.93	99.12
72	67.03	99.22	63.73	99.17
73	67.98	99.26	64.64	99.21
73.5	68.33	99.31	65.10	99.24
74	68.79	99.32	65.55	99.25
74.5	69.43	99.36	66.34	99.27
75	70.08	99.39	66.95	99.30
75.5	70.60	99.41	67.46	99.31
76	71.10	99.42	67.89	99.32
76.5	71.69	99.43	68.50	99.35
77	72.88	99.48	69.70	99.41
78	73.95	99.50	70.76	99.45
78.5	74.39	99.50	71.23	99.46
79	75.02	99.52	71.89	99.48
79.5	75.48	99.52	72.39	99.51
80	76.04	99.53	73.02	99.53
80.5	76.64	99.54	73.69	99.53
81	77.74	99.56	74.85	99.55
81.5	78.26	99.56	75.37	99.57
82	78.73	99.57	75.87	99.58
82.5	79.31	99.58	76.40	99.59
83	79.84	99.59	76.99	99.61
83.5	80.56	99.59	77.71	99.63
84	81.45	99.60	78.64	99.65
84.5	81.99	99.61	79.11	99.66
85	82.46	99.62	79.63	99.67
85.5	83.44	99.63	80.69	99.68
86	84.06	99.63	81.24	99.69
86.5	84.80	99.64	81.93	99.69
87	85.24	99.65	82.35	99.71
87.5	86.06	99.66	83.23	99.72
88	86.46	99.67	83.68	99.73
88.5	87.24	99.69	84.58	99.74
89	87.68	99.70	85.07	99.75
89.5	88.55	99.72	86.14	99.75
90	89.02	99.72	86.69	99.76
90.5	89.49	99.74	87.21	99.78
91	89.79	99.76	87.52	99.78
91.5	90.24	99.76	88.07	99.80
92	90.93	99.77	88.85	99.81
93	91.89	99.81	89.95	99.82
93.5	92.67	99.82	90.88	99.83
94	93.29	99.83	91.66	99.88
94.5	94.24	99.88	92.90	99.92
95	95.04	99.89	93.87	99.93
95.5	95.38	99.89	94.25	99.94
96	96.19	99.91	95.26	99.96
96.5	96.44	99.91	95.54	99.96
97	97.06	99.93	96.31	99.97
97.5	97.87	99.96	97.35	99.98
98	99.02	99.96	98.76	100.00
98.5	99.61	100.00	99.56	100.00
99	99.90	100.00	99.91	100.00
99.5	99.97	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00

Figure 7.D. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Random-Account Performance)
Age (years)
Percent

Score	Younger than 30 (Good)	Younger than 30 (Bad)	30-39 (Good)	30-39 (Bad)	40-49 (Good)	40-49 (Bad)	50-61 (Good)	50-61 (Bad)	62 or older (Good)	62 or older (Bad)
0	0.01	0.09	0.00	0.07	0.00	0.17	0.01	0.06	0.00	0.08
0.5	0.08	1.78	0.11	2.65	0.06	2.54	0.04	2.35	0.02	1.01
1	0.61	8.44	0.53	9.84	0.38	9.43	0.27	8.77	0.11	5.12
1.5	0.75	10.22	0.68	12.10	0.46	11.66	0.32	10.36	0.14	6.21
2	0.95	12.60	0.84	14.99	0.61	14.21	0.39	12.77	0.17	7.55
2.5	1.12	14.50	1.06	17.15	0.73	16.36	0.47	14.69	0.19	8.84
3	1.46	17.62	1.35	20.10	0.90	19.31	0.63	17.56	0.25	10.76
3.5	1.70	19.98	1.62	23.00	1.09	21.72	0.73	19.52	0.29	12.62
4	1.94	22.22	1.89	25.93	1.30	23.77	0.86	21.99	0.34	14.14
4.5	2.03	23.08	2.02	26.87	1.36	24.61	0.88	22.63	0.34	14.71
5	2.52	26.63	2.50	30.81	1.71	28.59	1.06	26.12	0.42	17.11
5.5	2.97	29.03	2.94	34.39	2.00	31.91	1.23	28.33	0.49	18.87
6	3.35	31.85	3.31	37.06	2.27	34.60	1.44	31.17	0.58	20.77
6.5	3.58	33.19	3.56	38.79	2.42	35.82	1.54	32.50	0.64	21.72
7	4.05	35.26	3.99	42.24	2.72	38.26	1.73	35.07	0.73	23.23
7.5	4.30	36.52	4.18	43.46	2.84	39.44	1.82	35.86	0.75	24.09
8	4.67	38.42	4.51	45.73	3.11	41.49	1.97	37.60	0.84	25.55
8.5	4.86	39.11	4.68	46.63	3.24	42.49	2.06	38.57	0.88	26.19
9	5.11	40.26	4.94	48.23	3.42	43.96	2.17	39.73	0.94	26.88
9.5	5.30	41.21	5.17	49.52	3.59	44.78	2.26	40.85	0.99	27.88
10	5.61	42.57	5.47	50.89	3.77	46.46	2.42	42.28	1.03	28.94
10.5	5.87	43.36	5.69	51.74	3.93	47.52	2.53	43.21	1.08	29.83
11	6.19	44.71	6.03	53.32	4.16	48.94	2.73	44.73	1.16	31.06
11.5	6.44	45.61	6.31	54.82	4.45	50.82	2.91	46.73	1.22	32.36
12	6.83	47.00	6.94	57.63	4.99	54.12	3.34	49.87	1.40	35.18
12.5	7.11	47.83	7.30	58.74	5.36	55.88	3.59	51.56	1.52	37.14
13	7.51	48.84	7.78	60.07	5.81	57.91	3.97	53.74	1.66	38.64
13.5	7.73	50.32	8.13	61.59	6.16	59.65	4.18	55.51	1.75	40.25
14	8.34	53.51	8.73	64.11	6.65	62.32	4.57	58.63	1.92	43.09
14.5	8.64	55.22	9.12	65.38	6.93	63.74	4.79	59.89	2.01	44.47
15	9.20	57.66	9.67	67.41	7.36	65.72	5.20	61.89	2.18	45.92
15.5	9.56	58.81	10.02	68.50	7.60	66.83	5.44	62.95	2.28	46.77
16	9.97	60.51	10.53	70.00	8.07	68.41	5.76	64.48	2.47	48.72
16.5	10.42	61.67	10.93	70.89	8.40	69.52	6.02	65.45	2.59	49.67
17	10.92	62.74	11.46	72.02	8.82	70.88	6.32	66.48	2.73	51.09
17.5	11.17	63.60	11.81	72.81	9.10	71.70	6.52	67.29	2.86	51.90
18	11.65	64.83	12.32	73.95	9.54	72.82	6.80	68.26	3.01	53.01
18.5	11.93	65.48	12.66	74.55	9.87	73.60	7.02	69.01	3.12	54.11
19	12.36	66.47	13.19	75.48	10.29	74.56	7.36	70.09	3.28	55.18
19.5	12.66	67.08	13.53	76.05	10.55	75.25	7.58	70.70	3.39	55.67
20	13.44	71.07	14.08	78.39	10.97	76.99	7.93	73.04	3.56	57.23
20.5	13.81	72.10	14.40	79.15	11.20	77.86	8.08	73.97	3.67	57.94
21	14.45	73.39	14.90	80.18	11.60	78.96	8.40	74.78	3.85	59.11
21.5	14.80	74.25	15.20	80.55	11.83	79.56	8.58	75.25	3.96	59.72
22	15.28	75.10	15.69	81.30	12.26	80.34	8.92	76.01	4.13	60.34
22.5	15.59	75.52	16.12	81.80	12.61	81.06	9.16	76.68	4.25	61.25
23	16.11	76.37	16.64	82.66	13.03	81.87	9.51	77.44	4.42	62.00
23.5	16.64	77.34	17.17	83.46	13.49	82.48	9.83	78.06	4.55	63.24
24	17.72	78.83	17.97	84.53	14.17	83.60	10.30	79.26	4.81	64.22
24.5	18.28	79.60	18.47	85.07	14.59	84.05	10.61	79.95	5.00	64.72
25	19.03	80.65	19.07	85.79	15.08	84.75	10.99	80.44	5.27	65.59
25.5	19.61	81.33	19.50	86.31	15.42	85.14	11.26	80.88	5.43	66.01
26	20.42	82.18	20.12	86.96	15.91	85.81	11.68	81.85	5.61	66.65
26.5	21.07	82.79	20.68	87.66	16.35	86.39	12.11	82.52	5.77	67.26
27	22.12	83.63	21.53	88.38	17.08	87.24	12.67	83.64	6.04	68.14
27.5	22.62	84.23	22.06	88.88	17.46	87.80	13.05	84.11	6.23	68.78
28	23.74	84.98	22.97	89.69	18.23	88.31	13.55	84.62	6.49	69.77
28.5	24.51	85.54	23.44	90.09	18.68	88.69	13.94	84.95	6.69	70.11
29	25.71	86.42	24.48	90.70	19.59	89.25	14.59	85.62	7.05	71.23
29.5	26.50	86.93	25.00	91.04	20.00	89.66	14.97	86.07	7.26	71.77
30	27.31	87.47	25.78	91.53	20.64	90.18	15.55	86.68	7.56	72.53
30.5	27.84	87.73	26.34	91.89	21.06	90.51	15.92	87.24	7.75	73.01
31	28.93	88.32	27.33	92.51	21.83	91.09	16.53	87.92	8.07	73.88
31.5	29.56	88.79	27.82	92.70	22.24	91.36	16.92	88.33	8.25	74.57
32	30.39	89.15	28.49	93.02	22.85	91.81	17.40	88.94	8.59	75.31
32.5	31.13	89.49	29.10	93.25	23.39	92.05	17.85	89.40	8.83	75.88
33	32.02	89.87	29.90	93.55	23.99	92.38	18.38	89.75	9.13	76.57
33.5	32.60	90.19	30.46	93.82	24.52	92.60	18.84	90.17	9.41	77.07
34	33.58	90.68	31.16	94.13	25.16	93.04	19.40	90.62	9.77	77.96
34.5	34.53	91.06	31.88	94.40	25.67	93.31	19.89	90.89	10.04	78.39
35	35.84	91.63	32.81	94.81	26.53	93.91	20.65	91.37	10.54	79.12
35.5	36.29	91.88	33.20	94.96	26.85	94.10	20.89	91.56	10.72	79.55
36	37.61	92.37	34.20	95.33	27.76	94.36	21.67	92.11	11.12	80.00
36.5	38.08	92.47	34.64	95.49	28.18	94.49	22.02	92.33	11.34	80.10
37	39.31	92.81	35.71	95.77	29.24	94.76	22.97	92.75	11.85	80.80
37.5	40.01	93.02	36.08	95.86	29.61	94.88	23.28	92.91	12.05	81.10
38	41.56	93.41	37.17	96.14	30.54	95.21	24.03	93.37	12.51	81.77
38.5	42.02	93.56	37.57	96.28	30.92	95.32	24.38	93.56	12.74	81.87
39	43.26	94.08	38.40	96.50	31.73	95.53	25.00	93.89	13.22	82.83
39.5	43.64	94.24	38.75	96.59	32.04	95.61	25.25	94.04	13.35	82.92
40	44.61	94.45	39.47	96.75	32.71	95.81	25.81	94.31	13.61	83.26
40.5	45.35	94.62	39.99	96.84	33.21	95.97	26.31	94.43	13.85	83.67
41	46.40	94.92	40.72	96.97	33.92	96.13	27.03	94.63	14.19	84.10
41.5	46.99	95.01	41.06	97.03	34.28	96.20	27.31	94.77	14.36	84.35
42	48.13	95.30	41.97	97.22	35.07	96.42	28.03	95.08	14.79	84.88
42.5	48.75	95.45	42.53	97.29	35.52	96.56	28.53	95.23	15.04	85.15
43	49.71	95.69	43.30	97.47	36.27	96.79	29.26	95.48	15.46	85.57
43.5	50.31	95.80	43.78	97.53	36.79	96.89	29.76	95.66	15.71	85.69
44	51.71	96.10	44.59	97.69	37.53	97.07	30.50	95.79	16.11	86.02
44.5	52.62	96.28	45.26	97.76	38.24	97.24	31.16	96.02	16.48	86.35
45	53.54	96.46	45.82	97.85	38.85	97.36	31.74	96.08	16.82	86.70
45.5	54.31	96.54	46.47	97.93	39.51	97.49	32.38	96.20	17.27	87.01
46	55.08	96.69	47.18	98.01	40.18	97.62	33.13	96.44	17.73	87.44
46.5	55.58	96.76	47.61	98.06	40.66	97.68	33.63	96.58	18.01	87.62
47	56.79	96.92	48.48	98.17	41.54	97.83	34.48	96.76	18.75	88.04
47.5	57.34	96.96	48.84	98.20	41.95	97.89	34.87	96.81	19.08	88.10
48	58.44	97.11	49.65	98.30	42.88	98.00	35.74	96.97	19.79	88.30
48.5	59.11	97.20	50.07	98.37	43.28	98.05	36.22	97.01	20.12	88.38
49	59.84	97.31	50.62	98.39	43.82	98.10	36.67	97.09	20.53	88.62
49.5	60.76	97.44	51.19	98.46	44.33	98.14	37.13	97.16	20.99	88.81
50	61.79	97.57	51.89	98.53	44.99	98.21	37.77	97.29	21.57	88.96
50.5	62.30	97.62	52.18	98.54	45.30	98.28	38.13	97.31	21.87	89.11
51	63.57	97.71	52.96	98.60	45.87	98.32	38.74	97.37	22.24	89.35
51.5	64.54	97.81	53.47	98.67	46.39	98.36	39.14	97.42	22.51	89.46
52	65.67	98.01	54.26	98.72	47.06	98.40	39.70	97.52	22.92	89.59
52.5	66.51	98.10	54.86	98.77	47.55	98.45	40.08	97.54	23.19	89.75
53	67.57	98.17	55.64	98.83	48.20	98.55	40.64	97.60	23.63	90.07
53.5	68.67	98.33	56.25	98.85	48.77	98.58	41.19	97.69	23.93	90.21
54	69.91	98.51	57.06	98.91	49.45	98.60	41.85	97.80	24.38	90.44
54.5	70.52	98.52	57.48	98.95	49.84	98.66	42.19	97.84	24.56	90.56
55	71.89	98.66	58.29	98.99	50.62	98.71	42.86	97.88	25.01	90.72
55.5	72.61	98.73	58.80	99.00	51.01	98.75	43.26	97.97	25.26	90.77
56	73.66	98.75	59.48	99.03	51.66	98.82	43.84	98.01	25.80	90.94
56.5	74.27	98.81	59.94	99.06	52.14	98.83	44.21	98.02	26.10	91.07
57	75.51	98.85	60.74	99.09	52.87	98.91	44.83	98.10	26.50	91.10
57.5	76.28	98.90	61.22	99.18	53.26	98.93	45.20	98.16	26.74	91.14
58	77.40	98.98	62.06	99.19	53.98	98.97	45.84	98.20	27.15	91.17
58.5	78.04	99.03	62.67	99.23	54.54	99.00	46.31	98.25	27.40	91.21
59	79.06	99.18	63.41	99.30	55.30	99.05	46.94	98.33	27.86	91.49
59.5	79.73	99.20	63.93	99.33	55.80	99.09	47.44	98.34	28.22	91.63
60	80.68	99.26	64.82	99.38	56.54	99.13	48.18	98.40	28.85	91.81
60.5	81.40	99.30	65.21	99.39	56.86	99.17	48.51	98.40	29.08	91.81
61	82.37	99.34	65.87	99.40	57.42	99.22	48.96	98.42	29.48	91.91
61.5	83.09	99.37	66.50	99.42	57.99	99.26	49.51	98.45	29.93	91.97
62	83.86	99.38	67.19	99.45	58.62	99.27	50.03	98.49	30.29	92.08
62.5	84.89	99.42	67.88	99.46	59.19	99.29	50.59	98.53	30.73	92.16
63	85.47	99.48	68.58	99.49	59.75	99.30	51.13	98.62	31.27	92.36
63.5	86.22	99.57	69.24	99.53	60.45	99.35	51.74	98.68	31.79	92.53
64	86.91	99.63	70.04	99.58	61.11	99.38	52.42	98.75	32.35	92.69
64.5	87.35	99.65	70.42	99.58	61.37	99.38	52.74	98.75	32.60	92.69
65	88.16	99.67	71.18	99.59	61.98	99.42	53.35	98.80	33.12	92.84
65.5	88.61	99.73	71.65	99.60	62.37	99.42	53.74	98.81	33.44	93.04
66	89.18	99.74	72.35	99.60	63.08	99.46	54.42	98.81	33.97	93.13
66.5	89.63	99.76	72.66	99.60	63.47	99.47	54.80	98.82	34.34	93.14
67	89.91	99.76	73.08	99.60	63.86	99.47	55.15	98.82	34.60	93.16
67.5	90.61	99.78	73.90	99.63	64.70	99.48	55.92	98.85	35.39	93.38
68	90.84	99.78	74.19	99.63	64.96	99.49	56.19	98.89	35.63	93.41
68.5	91.10	99.79	74.63	99.63	65.32	99.49	56.51	98.91	35.94	93.49
69	91.83	99.80	75.46	99.64	66.07	99.53	57.24	98.96	36.72	93.69
69.5	92.15	99.80	76.13	99.65	66.62	99.57	57.74	98.97	37.05	93.72
70	92.54	99.82	76.59	99.68	67.11	99.57	58.20	98.98	37.51	93.83
70.5	93.02	99.82	77.10	99.68	67.59	99.58	58.68	99.00	37.92	93.85
71	93.32	99.84	77.47	99.69	67.99	99.59	59.14	99.02	38.28	93.88
71.5	93.56	99.84	77.85	99.69	68.35	99.61	59.55	99.03	38.57	93.94
72	94.07	99.86	78.71	99.73	69.25	99.64	60.47	99.09	39.33	94.10
73	94.60	99.88	79.58	99.74	70.20	99.65	61.46	99.20	40.46	94.25
73.5	94.74	99.88	80.05	99.76	70.63	99.67	61.86	99.28	40.94	94.44
74	95.00	99.88	80.58	99.77	71.12	99.68	62.28	99.29	41.45	94.49
74.5	95.39	99.88	81.22	99.80	71.72	99.68	62.89	99.32	42.64	94.70
75	95.61	99.88	81.58	99.81	72.18	99.70	63.40	99.34	44.00	94.96
75.5	96.12	99.89	82.08	99.81	72.67	99.70	63.92	99.34	44.54	95.05
76	96.31	99.89	82.59	99.82	73.07	99.70	64.51	99.38	45.05	95.09
76.5	96.51	99.90	83.27	99.84	73.87	99.71	65.12	99.41	45.64	95.16
77	97.41	99.97	84.35	99.86	74.89	99.73	66.38	99.47	47.21	95.39
78	97.67	99.97	85.20	99.86	75.97	99.76	67.56	99.49	48.79	95.63
78.5	97.84	99.97	85.52	99.88	76.44	99.76	68.08	99.49	49.44	95.64
79	97.95	99.97	85.92	99.89	76.99	99.77	68.83	99.51	50.56	95.79
79.5	98.06	99.97	86.33	99.89	77.52	99.78	69.38	99.52	51.18	95.98
80	98.21	99.97	86.91	99.90	78.10	99.78	69.99	99.53	52.06	96.02
80.5	98.35	99.97	87.39	99.90	78.65	99.79	70.64	99.53	53.17	96.14
81	98.57	99.98	88.37	99.91	79.81	99.80	72.04	99.55	54.67	96.15
81.5	98.71	99.98	88.80	99.92	80.33	99.81	72.65	99.55	55.38	96.30
82	98.80	99.98	89.16	99.92	80.78	99.81	73.23	99.55	56.14	96.40
82.5	98.87	99.99	89.62	99.93	81.30	99.81	73.92	99.55	56.95	96.47
83	98.96	99.99	90.06	99.93	81.89	99.84	74.59	99.57	57.74	96.51
83.5	99.01	99.99	90.54	99.94	82.52	99.85	75.34	99.58	59.10	96.61
84	99.14	99.99	91.36	99.95	83.45	99.86	76.47	99.58	60.30	96.73
84.5	99.18	100.00	91.77	99.95	83.97	99.86	77.07	99.59	61.03	96.78
85	99.24	100.00	92.08	99.95	84.49	99.86	77.73	99.60	61.75	96.87
85.5	99.31	100.00	92.75	99.95	85.46	99.87	79.02	99.63	63.38	96.90
86	99.35	100.00	93.20	99.95	86.01	99.88	79.77	99.65	64.24	96.91
86.5	99.41	100.00	93.78	99.95	86.80	99.88	80.70	99.68	65.17	96.93
87	99.45	100.00	94.08	99.95	87.25	99.89	81.25	99.70	65.79	97.01
87.5	99.51	100.00	94.62	99.96	88.18	99.91	82.34	99.70	67.04	97.09
88	99.55	100.00	94.91	99.96	88.57	99.91	82.89	99.70	67.70	97.18
88.5	99.60	100.00	95.37	99.97	89.43	99.92	83.96	99.74	69.05	97.23
89	99.65	100.00	95.61	99.97	89.88	99.93	84.55	99.75	69.81	97.31
89.5	99.71	100.00	96.06	99.97	90.82	99.94	85.83	99.76	71.46	97.43
90	99.74	100.00	96.30	99.97	91.24	99.94	86.46	99.76	72.44	97.48
90.5	99.75	100.00	96.51	99.97	91.67	99.95	87.06	99.79	73.38	97.63
91	99.77	100.00	96.62	99.99	91.95	99.95	87.43	99.79	73.99	97.72
91.5	99.79	100.00	96.89	99.99	92.35	99.96	88.06	99.81	74.91	97.75
92	99.82	100.00	97.24	100.00	93.12	99.98	88.93	99.82	76.18	97.84
93	99.84	100.00	97.72	100.00	93.95	99.98	90.00	99.82	78.39	98.07
93.5	99.86	100.00	97.99	100.00	94.42	99.99	90.75	99.83	80.66	98.23
94	99.88	100.00	98.20	100.00	94.82	99.99	91.36	99.87	82.52	98.48
94.5	99.91	100.00	98.46	100.00	95.29	99.99	92.24	99.91	85.69	98.93
95	99.92	100.00	98.70	100.00	95.87	99.99	93.10	99.93	87.92	99.02
95.5	99.92	100.00	98.80	100.00	96.13	99.99	93.55	99.94	88.70	99.07
96	99.94	100.00	99.06	100.00	96.76	100.00	94.50	99.96	90.85	99.27
96.5	99.95	100.00	99.13	100.00	96.97	100.00	94.81	99.96	91.42	99.27
97	99.97	100.00	99.33	100.00	97.50	100.00	95.58	99.97	93.00	99.41
97.5	99.98	100.00	99.52	100.00	98.13	100.00	96.59	99.99	95.23	99.59
98	100.00	100.00	99.84	100.00	99.12	100.00	98.30	100.00	97.85	99.73
98.5	100.00	100.00	99.95	100.00	99.59	100.00	99.24	100.00	99.40	99.99
99	100.00	100.00	99.99	100.00	99.91	100.00	99.80	100.00	99.87	100.00
99.5	100.00	100.00	100.00	100.00	99.97	100.00	99.95	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.D. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Random-Account Performance)
Marital status
Percent

Score	Married Male (Good)	Married Male (Bad)	Married Male (Good)	Married Male (Bad)	Married Female (Good)	Married Female (Bad)	Single Female (Good)	Single Female (Bad)
0	0.00	0.09	0.00	0.07	0.00	0.07	0.01	0.14
0.5	0.02	1.61	0.08	2.54	0.04	2.03	0.10	2.71
1	0.16	6.80	0.48	9.71	0.22	7.57	0.58	10.74
1.5	0.21	8.57	0.57	11.53	0.27	9.46	0.71	12.92
2	0.27	10.80	0.71	14.00	0.35	11.70	0.88	15.64
2.5	0.33	12.73	0.89	16.02	0.41	13.30	1.06	17.93
3	0.43	15.29	1.13	18.94	0.53	15.92	1.37	21.05
3.5	0.54	17.43	1.33	21.78	0.64	18.15	1.59	23.58
4	0.64	19.67	1.54	23.89	0.77	20.31	1.84	26.27
4.5	0.66	20.37	1.60	24.65	0.81	21.22	1.91	27.03
5	0.82	23.23	2.00	28.33	1.01	25.01	2.35	30.77
5.5	0.98	25.90	2.33	31.12	1.16	27.62	2.76	34.21
6	1.15	28.54	2.58	33.80	1.34	30.04	3.13	36.89
6.5	1.25	29.88	2.74	35.06	1.43	31.22	3.36	38.60
7	1.45	32.39	3.10	37.94	1.61	33.85	3.72	41.23
7.5	1.54	33.62	3.27	39.29	1.67	34.87	3.89	42.25
8	1.68	35.73	3.54	40.99	1.84	36.95	4.20	44.24
8.5	1.76	36.70	3.66	41.93	1.91	37.73	4.38	45.02
9	1.87	38.14	3.84	43.08	2.03	39.01	4.58	46.19
9.5	1.98	38.93	4.01	44.17	2.12	40.13	4.76	47.11
10	2.11	40.54	4.24	45.58	2.24	41.35	5.05	48.58
10.5	2.20	41.42	4.39	46.20	2.33	42.46	5.27	49.43
11	2.37	43.17	4.71	47.49	2.45	43.81	5.56	50.88
11.5	2.52	44.70	4.94	48.85	2.62	45.64	5.82	52.51
12	2.86	47.63	5.42	50.94	2.98	48.91	6.38	55.32
12.5	3.07	49.41	5.79	52.04	3.24	50.89	6.66	56.15
13	3.36	51.25	6.18	53.65	3.51	52.62	7.13	57.70
13.5	3.51	52.70	6.49	55.53	3.71	54.40	7.47	59.17
14	3.81	55.74	7.04	58.09	4.06	58.04	8.01	61.82
14.5	4.00	57.04	7.39	59.60	4.26	59.57	8.30	63.34
15	4.35	59.10	7.79	61.66	4.58	61.86	8.81	65.09
15.5	4.53	60.33	8.05	62.98	4.77	62.89	9.11	66.02
16	4.80	62.04	8.44	64.69	5.07	64.43	9.65	67.58
16.5	5.06	63.31	8.78	65.65	5.28	65.38	10.00	68.48
17	5.34	64.55	9.17	66.83	5.52	66.51	10.45	69.67
17.5	5.56	65.55	9.43	67.68	5.70	67.36	10.77	70.24
18	5.81	66.87	9.88	68.77	5.94	68.55	11.25	71.20
18.5	6.04	67.63	10.20	69.41	6.11	69.32	11.57	72.15
19	6.37	68.78	10.68	70.54	6.37	70.22	11.96	73.13
19.5	6.56	69.47	10.96	70.96	6.53	70.97	12.27	73.64
20	6.89	71.06	11.45	73.72	6.80	72.83	12.81	75.94
20.5	7.07	71.90	11.70	74.75	6.95	73.57	13.07	76.61
21	7.35	73.08	12.11	75.83	7.24	74.60	13.53	77.67
21.5	7.58	73.67	12.35	76.42	7.40	75.04	13.81	78.11
22	7.89	74.52	12.78	77.20	7.69	75.76	14.20	78.82
22.5	8.12	75.16	13.10	77.60	7.90	76.39	14.57	79.38
23	8.43	76.04	13.52	78.38	8.20	77.24	15.04	80.20
23.5	8.71	77.09	13.94	79.14	8.50	78.10	15.47	80.79
24	9.13	78.42	14.74	80.15	8.98	79.40	16.22	81.80
24.5	9.41	79.05	15.22	80.69	9.30	80.03	16.64	82.29
25	9.78	79.74	15.90	81.49	9.64	80.69	17.16	83.00
25.5	10.01	80.24	16.26	82.13	9.89	81.18	17.66	83.45
26	10.38	81.00	16.92	82.93	10.22	81.92	18.17	84.08
26.5	10.71	81.77	17.47	83.52	10.54	82.57	18.60	84.59
27	11.21	82.66	18.32	84.51	11.05	83.43	19.36	85.48
27.5	11.51	83.20	18.83	85.05	11.35	84.01	19.80	85.91
28	12.07	84.14	19.64	85.54	11.84	84.72	20.55	86.65
28.5	12.43	84.67	20.20	85.99	12.17	85.07	20.96	87.03
29	13.09	85.48	21.26	86.75	12.72	85.70	21.90	87.77
29.5	13.43	85.88	21.82	87.15	13.07	86.28	22.43	88.18
30	13.95	86.62	22.49	87.68	13.55	86.85	23.11	88.75
30.5	14.28	86.98	22.96	87.98	13.87	87.24	23.57	89.16
31	14.84	87.46	23.84	88.69	14.46	87.94	24.43	89.88
31.5	15.18	87.85	24.39	89.10	14.80	88.30	24.83	90.21
32	15.62	88.39	25.06	89.48	15.26	88.74	25.53	90.65
32.5	16.05	88.72	25.65	89.77	15.66	89.00	26.13	91.06
33	16.57	89.23	26.35	90.09	16.13	89.34	26.76	91.34
33.5	16.95	89.54	26.99	90.48	16.52	89.67	27.34	91.71
34	17.55	90.04	27.74	91.02	16.99	90.18	27.95	92.07
34.5	18.04	90.37	28.43	91.38	17.43	90.48	28.52	92.39
35	18.79	91.08	29.40	91.81	18.13	91.17	29.38	92.83
35.5	19.04	91.27	29.79	92.14	18.34	91.33	29.79	93.00
36	19.80	91.74	30.86	92.52	19.01	91.79	30.75	93.35
36.5	20.13	91.89	31.29	92.75	19.30	91.88	31.17	93.49
37	20.98	92.36	32.53	93.20	20.08	92.24	32.07	93.78
37.5	21.34	92.61	32.96	93.34	20.38	92.36	32.44	93.92
38	22.20	92.97	34.03	93.86	21.12	92.79	33.30	94.27
38.5	22.57	93.08	34.37	93.95	21.40	92.93	33.68	94.41
39	23.30	93.40	35.17	94.30	22.07	93.49	34.46	94.72
39.5	23.53	93.63	35.46	94.37	22.34	93.58	34.75	94.84
40	24.11	93.91	36.15	94.56	22.87	93.81	35.37	95.03
40.5	24.53	94.04	36.66	94.80	23.29	93.94	35.89	95.18
41	25.17	94.37	37.51	94.93	23.86	94.27	36.61	95.33
41.5	25.48	94.50	37.84	95.07	24.13	94.35	37.00	95.40
42	26.18	94.81	38.71	95.25	24.81	94.70	37.83	95.66
42.5	26.57	94.97	39.26	95.37	25.25	94.86	38.31	95.72
43	27.19	95.17	40.00	95.67	25.88	95.06	39.09	96.08
43.5	27.61	95.30	40.57	95.78	26.29	95.19	39.52	96.14
44	28.29	95.46	41.48	95.94	26.97	95.42	40.28	96.34
44.5	28.89	95.60	42.19	96.12	27.57	95.70	40.98	96.51
45	29.43	95.76	42.83	96.24	28.07	95.85	41.63	96.64
45.5	30.04	95.85	43.49	96.30	28.65	96.02	42.32	96.80
46	30.74	96.06	44.21	96.48	29.29	96.17	42.94	96.97
46.5	31.20	96.18	44.69	96.53	29.66	96.28	43.39	97.06
47	32.11	96.30	45.61	96.77	30.47	96.48	44.35	97.18
47.5	32.50	96.36	46.07	96.85	30.82	96.52	44.75	97.26
48	33.35	96.52	47.02	96.97	31.62	96.64	45.57	97.36
48.5	33.81	96.58	47.49	97.03	31.98	96.73	46.02	97.41
49	34.34	96.62	48.04	97.18	32.47	96.80	46.48	97.47
49.5	34.87	96.73	48.66	97.23	32.98	96.87	47.03	97.58
50	35.57	96.85	49.46	97.37	33.59	96.90	47.68	97.71
50.5	35.98	96.94	49.84	97.39	33.88	96.98	47.99	97.73
51	36.59	97.01	50.58	97.40	34.57	97.03	48.58	97.88
51.5	37.10	97.08	51.14	97.47	34.99	97.11	49.02	97.90
52	37.77	97.13	51.83	97.62	35.59	97.17	49.68	98.00
52.5	38.26	97.21	52.32	97.63	35.98	97.23	50.16	98.10
53	38.90	97.33	52.96	97.70	36.56	97.32	50.89	98.15
53.5	39.50	97.40	53.55	97.75	37.07	97.46	51.42	98.19
54	40.19	97.52	54.44	97.87	37.74	97.57	52.13	98.26
54.5	40.55	97.58	54.91	97.90	38.08	97.64	52.47	98.29
55	41.25	97.62	55.68	97.99	38.84	97.75	53.32	98.38
55.5	41.72	97.67	56.13	97.99	39.22	97.81	53.70	98.43
56	42.39	97.72	56.94	98.05	39.77	97.86	54.34	98.48
56.5	42.81	97.74	57.36	98.06	40.18	97.94	54.75	98.48
57	43.56	97.78	58.14	98.12	40.88	98.00	55.36	98.50
57.5	43.98	97.86	58.60	98.17	41.29	98.09	55.72	98.51
58	44.67	97.89	59.26	98.17	42.02	98.16	56.37	98.53
58.5	45.19	97.96	59.78	98.19	42.50	98.21	56.79	98.56
59	45.94	98.03	60.57	98.39	43.09	98.27	57.45	98.62
59.5	46.46	98.08	61.04	98.45	43.53	98.33	57.94	98.63
60	47.28	98.18	61.73	98.49	44.32	98.35	58.65	98.72
60.5	47.65	98.20	62.05	98.50	44.66	98.38	59.01	98.75
61	48.24	98.26	62.65	98.51	45.22	98.40	59.50	98.78
61.5	48.77	98.31	63.19	98.52	45.83	98.45	60.00	98.78
62	49.38	98.35	63.68	98.57	46.40	98.48	60.59	98.81
62.5	49.98	98.38	64.23	98.57	47.03	98.50	61.13	98.85
63	50.57	98.50	64.82	98.62	47.61	98.55	61.71	98.88
63.5	51.26	98.56	65.41	98.68	48.26	98.61	62.30	98.91
64	51.96	98.63	66.03	98.70	48.96	98.65	62.91	98.98
64.5	52.29	98.65	66.37	98.70	49.27	98.65	63.20	98.98
65	52.99	98.68	67.01	98.75	49.96	98.68	63.74	99.01
65.5	53.43	98.71	67.40	98.81	50.37	98.69	64.05	99.06
66	54.08	98.80	68.14	98.82	51.07	98.70	64.62	99.07
66.5	54.46	98.80	68.48	98.83	51.47	98.70	64.96	99.07
67	54.87	98.81	68.77	98.83	51.83	98.70	65.24	99.07
67.5	55.70	98.84	69.45	98.89	52.66	98.75	65.94	99.10
68	55.96	98.88	69.74	98.91	52.92	98.76	66.20	99.10
68.5	56.35	98.88	70.01	98.93	53.29	98.77	66.48	99.10
69	57.25	98.96	70.68	98.93	54.05	98.83	67.17	99.12
69.5	57.76	98.97	71.11	98.96	54.57	98.83	67.61	99.13
70	58.20	98.97	71.49	98.96	55.10	98.84	68.05	99.18
70.5	58.76	99.00	71.88	98.98	55.56	98.85	68.47	99.19
71	59.18	99.01	72.32	99.00	55.95	98.85	68.82	99.19
71.5	59.60	99.01	72.63	99.03	56.31	98.87	69.09	99.21
72	60.56	99.07	73.26	99.06	57.21	98.88	69.78	99.27
73	61.61	99.09	74.17	99.13	58.21	98.93	70.60	99.33
73.5	62.01	99.11	74.49	99.22	58.70	98.94	71.03	99.37
74	62.54	99.14	74.85	99.22	59.21	98.94	71.40	99.38
74.5	63.25	99.19	75.51	99.26	60.07	98.97	72.12	99.41
75	63.97	99.20	76.09	99.29	60.69	99.03	72.75	99.41
75.5	64.54	99.20	76.53	99.33	61.23	99.04	73.17	99.42
76	65.10	99.21	76.96	99.35	61.74	99.06	73.52	99.42
76.5	65.80	99.22	77.46	99.36	62.48	99.08	73.96	99.46
77	67.09	99.28	78.60	99.40	63.75	99.13	75.10	99.51
78	68.33	99.31	79.48	99.42	64.96	99.18	76.00	99.56
78.5	68.87	99.31	79.78	99.42	65.51	99.19	76.35	99.58
79	69.60	99.32	80.26	99.43	66.27	99.20	76.98	99.62
79.5	70.14	99.33	80.63	99.43	66.86	99.26	77.36	99.62
80	70.78	99.34	81.18	99.43	67.57	99.28	77.94	99.63
80.5	71.48	99.37	81.70	99.45	68.32	99.30	78.54	99.63
81	72.76	99.39	82.65	99.46	69.66	99.33	79.51	99.63
81.5	73.39	99.39	83.05	99.48	70.25	99.34	79.94	99.63
82	73.97	99.40	83.41	99.48	70.82	99.34	80.42	99.64
82.5	74.63	99.41	83.92	99.51	71.42	99.36	80.90	99.64
83	75.23	99.42	84.33	99.52	72.10	99.40	81.41	99.66
83.5	76.06	99.42	84.94	99.52	72.91	99.43	82.11	99.67
84	77.16	99.45	85.60	99.52	74.06	99.48	82.81	99.68
84.5	77.82	99.47	86.03	99.53	74.64	99.50	83.14	99.68
85	78.41	99.47	86.39	99.54	75.28	99.53	83.51	99.68
85.5	79.58	99.48	87.08	99.55	76.55	99.54	84.37	99.70
86	80.37	99.50	87.49	99.55	77.25	99.55	84.77	99.70
86.5	81.28	99.51	88.07	99.55	78.10	99.56	85.31	99.71
87	81.84	99.52	88.40	99.56	78.62	99.57	85.62	99.73
87.5	82.85	99.53	89.01	99.57	79.70	99.61	86.32	99.74
88	83.36	99.54	89.28	99.59	80.21	99.61	86.73	99.74
88.5	84.35	99.59	89.88	99.59	81.31	99.64	87.46	99.75
89	84.89	99.60	90.19	99.62	81.89	99.65	87.86	99.76
89.5	85.97	99.62	90.89	99.65	83.14	99.66	88.79	99.76
90	86.57	99.62	91.20	99.67	83.83	99.67	89.24	99.77
90.5	87.15	99.63	91.54	99.70	84.47	99.72	89.64	99.77
91	87.55	99.67	91.77	99.71	84.85	99.72	89.92	99.78
91.5	88.10	99.67	92.13	99.71	85.51	99.74	90.40	99.80
92	88.92	99.68	92.65	99.74	86.48	99.75	91.02	99.83
93	90.05	99.71	93.50	99.80	87.80	99.75	91.95	99.84
93.5	90.99	99.74	94.15	99.81	88.85	99.78	92.83	99.85
94	91.70	99.75	94.72	99.81	89.74	99.83	93.53	99.89
94.5	92.81	99.84	95.56	99.83	91.20	99.92	94.62	99.90
95	93.83	99.86	96.18	99.85	92.34	99.93	95.48	99.90
95.5	94.26	99.86	96.45	99.86	92.83	99.93	95.72	99.92
96	95.31	99.86	97.01	99.91	94.08	99.94	96.47	99.95
96.5	95.61	99.86	97.21	99.91	94.44	99.94	96.67	99.95
97	96.38	99.89	97.70	99.93	95.39	99.95	97.28	99.96
97.5	97.35	99.95	98.38	99.94	96.65	99.98	98.16	99.96
98	98.77	99.95	99.26	99.94	98.42	100.00	99.15	100.00
98.5	99.50	100.00	99.70	100.00	99.41	100.00	99.75	100.00
99	99.88	100.00	99.91	100.00	99.86	100.00	99.96	100.00
99.5	99.97	100.00	99.97	100.00	99.98	100.00	99.99	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.D. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Random-Account Performance)
Income ratio of tract
Percent

Score	Low (Good)	Low (Bad)	Moderate (Good)	Moderate (Bad)	Middle (Good)	Middle (Bad)	High (Good))	High (Bad)
0	0.03	0.11	0.01	0.12	0.00	0.11	0.00	0.02
0.5	0.28	2.56	0.10	2.47	0.05	2.08	0.03	1.90
1	1.20	11.08	0.66	9.57	0.29	8.21	0.18	7.35
1.5	1.54	13.48	0.79	11.52	0.36	10.13	0.23	8.72
2	1.71	15.48	0.97	14.22	0.48	12.45	0.28	11.22
2.5	2.05	17.95	1.15	16.18	0.58	14.29	0.33	13.05
3	2.49	21.10	1.46	19.26	0.76	17.06	0.43	15.50
3.5	2.87	23.60	1.69	21.94	0.90	19.26	0.53	17.68
4	3.30	26.49	2.00	24.42	1.05	21.46	0.62	19.69
4.5	3.47	27.63	2.09	25.27	1.10	22.22	0.65	20.29
5	4.04	31.57	2.49	29.12	1.40	25.78	0.79	23.44
5.5	4.55	34.38	2.95	32.14	1.64	28.52	0.91	25.89
6	5.05	37.84	3.29	34.71	1.90	31.21	1.05	28.12
6.5	5.31	38.87	3.53	36.29	2.04	32.50	1.12	29.43
7	5.92	41.21	3.94	38.72	2.30	35.19	1.27	31.43
7.5	6.21	42.43	4.14	39.90	2.42	36.30	1.33	32.38
8	6.83	44.26	4.54	41.94	2.62	38.27	1.44	34.04
8.5	7.01	44.95	4.74	42.80	2.73	39.14	1.50	34.84
9	7.29	46.29	4.98	44.05	2.88	40.43	1.59	36.05
9.5	7.59	47.06	5.21	45.24	3.01	41.41	1.67	36.99
10	7.94	48.39	5.50	46.64	3.18	42.85	1.77	38.30
10.5	8.24	49.11	5.73	47.40	3.33	43.67	1.85	39.51
11	8.81	50.52	6.04	48.97	3.54	45.18	1.98	40.56
11.5	9.14	51.75	6.33	50.40	3.74	46.56	2.10	42.35
12	9.83	53.86	6.92	52.69	4.15	49.04	2.40	45.64
12.5	10.35	55.34	7.31	53.89	4.42	50.36	2.56	47.07
13	10.94	56.59	7.84	55.26	4.75	51.96	2.80	48.75
13.5	11.30	57.86	8.22	56.84	4.97	53.53	2.96	50.54
14	11.94	59.94	8.90	59.61	5.38	56.45	3.21	53.18
14.5	12.46	61.66	9.26	60.77	5.62	57.95	3.34	54.64
15	13.09	63.76	9.85	62.62	6.00	59.98	3.62	56.97
15.5	13.48	64.42	10.19	63.61	6.25	61.13	3.77	58.04
16	14.05	66.18	10.71	65.19	6.61	62.74	4.01	59.60
16.5	14.44	66.71	11.19	66.35	6.88	63.66	4.19	60.92
17	15.14	68.53	11.65	67.41	7.24	64.84	4.42	62.19
17.5	15.63	69.61	11.98	68.37	7.46	65.58	4.58	62.81
18	16.13	70.95	12.47	69.33	7.81	66.75	4.82	64.16
18.5	16.69	71.47	12.78	69.99	8.06	67.53	4.99	64.94
19	17.18	72.37	13.23	70.98	8.41	68.55	5.26	65.80
19.5	17.62	72.85	13.55	71.58	8.63	69.19	5.43	66.43
20	18.43	77.07	14.13	74.56	9.06	71.87	5.71	68.93
20.5	18.70	78.33	14.44	75.55	9.28	72.79	5.87	69.89
21	19.16	79.23	15.01	76.87	9.63	73.85	6.14	71.20
21.5	19.47	79.90	15.33	77.50	9.87	74.43	6.29	71.81
22	20.07	80.41	15.83	78.30	10.22	75.26	6.54	72.72
22.5	20.60	81.13	16.21	78.84	10.51	75.88	6.71	73.18
23	21.43	82.01	16.69	79.61	10.88	76.73	6.95	74.04
23.5	21.97	82.54	17.16	80.36	11.26	77.54	7.20	74.89
24	23.11	83.49	18.05	81.60	11.85	78.76	7.60	76.13
24.5	23.84	84.02	18.53	82.20	12.23	79.40	7.84	76.66
25	24.81	84.63	19.21	83.06	12.69	80.20	8.13	77.25
25.5	25.41	84.94	19.73	83.66	13.00	80.75	8.35	77.66
26	26.29	85.89	20.39	84.41	13.45	81.50	8.67	78.29
26.5	26.86	86.46	20.96	84.95	13.86	82.14	8.98	79.09
27	27.92	87.08	21.85	85.92	14.47	82.96	9.47	79.95
27.5	28.68	87.47	22.41	86.48	14.84	83.52	9.73	80.50
28	29.67	88.27	23.28	86.95	15.51	84.32	10.16	81.15
28.5	30.31	88.65	23.80	87.44	15.94	84.78	10.45	81.62
29	31.13	89.02	24.86	88.02	16.71	85.59	11.05	82.37
29.5	31.70	89.24	25.34	88.46	17.16	86.07	11.38	82.76
30	32.65	89.82	26.00	88.91	17.80	86.73	11.81	83.29
30.5	33.24	90.10	26.48	89.20	18.19	87.09	12.10	83.82
31	34.53	90.76	27.38	89.79	18.86	87.73	12.67	84.53
31.5	34.95	91.02	27.87	90.18	19.25	88.08	13.00	84.88
32	35.60	91.52	28.69	90.61	19.77	88.47	13.47	85.59
32.5	36.36	91.75	29.35	90.97	20.25	88.78	13.84	86.02
33	37.00	92.20	30.03	91.36	20.84	89.18	14.32	86.42
33.5	37.73	92.61	30.64	91.67	21.30	89.53	14.69	86.74
34	38.52	92.99	31.35	92.09	21.93	90.07	15.19	87.20
34.5	39.26	93.39	32.04	92.32	22.43	90.36	15.66	87.62
35	40.29	93.48	32.97	92.75	23.25	90.93	16.39	88.35
35.5	40.76	93.56	33.29	92.94	23.55	91.13	16.64	88.66
36	41.66	93.91	34.26	93.40	24.39	91.56	17.33	89.03
36.5	42.22	94.08	34.73	93.54	24.76	91.73	17.62	89.21
37	43.42	94.67	35.75	93.92	25.70	92.18	18.39	89.48
37.5	43.83	94.72	36.11	94.08	26.08	92.37	18.68	89.64
38	45.02	94.90	37.19	94.41	26.92	92.78	19.49	90.13
38.5	45.44	94.94	37.56	94.50	27.23	92.95	19.87	90.31
39	46.13	95.32	38.38	94.75	27.98	93.42	20.56	90.81
39.5	46.44	95.35	38.72	94.85	28.24	93.55	20.82	90.95
40	47.30	95.44	39.41	95.11	28.82	93.79	21.35	91.23
40.5	47.89	95.72	39.96	95.20	29.29	93.94	21.78	91.54
41	48.72	95.93	40.74	95.36	29.95	94.18	22.38	91.82
41.5	49.09	96.11	41.06	95.45	30.27	94.27	22.68	91.94
42	49.88	96.24	41.93	95.68	31.04	94.54	23.34	92.44
42.5	50.39	96.31	42.45	95.83	31.51	94.69	23.74	92.63
43	51.41	96.49	43.23	96.03	32.19	94.97	24.41	92.88
43.5	51.92	96.55	43.73	96.12	32.63	95.06	24.85	93.01
44	52.96	96.72	44.55	96.35	33.37	95.30	25.61	93.30
44.5	53.56	96.79	45.20	96.47	34.02	95.54	26.21	93.44
45	54.25	97.01	45.81	96.62	34.60	95.69	26.75	93.56
45.5	54.64	97.05	46.45	96.74	35.24	95.80	27.34	93.78
46	55.59	97.28	47.15	96.92	35.88	95.97	27.99	93.99
46.5	56.02	97.30	47.56	96.97	36.31	96.05	28.43	94.16
47	57.15	97.38	48.46	97.16	37.19	96.21	29.31	94.36
47.5	57.52	97.44	48.94	97.21	37.56	96.27	29.72	94.46
48	58.53	97.57	49.74	97.35	38.45	96.43	30.62	94.75
48.5	58.77	97.64	50.20	97.39	38.89	96.50	31.08	94.85
49	59.24	97.74	50.71	97.48	39.43	96.57	31.59	94.94
49.5	59.62	97.74	51.31	97.56	40.02	96.69	32.10	95.04
50	60.20	97.93	52.10	97.60	40.73	96.79	32.85	95.21
50.5	60.59	97.93	52.42	97.63	41.07	96.84	33.22	95.27
51	61.36	97.95	53.14	97.73	41.78	96.95	33.86	95.33
51.5	61.87	97.95	53.64	97.86	42.27	97.02	34.36	95.43
52	62.57	98.01	54.31	97.94	42.95	97.14	35.03	95.55
52.5	63.29	98.08	54.76	97.99	43.41	97.22	35.55	95.63
53	63.89	98.22	55.45	98.03	44.08	97.32	36.22	95.81
53.5	64.59	98.23	56.07	98.13	44.68	97.39	36.80	95.93
54	65.50	98.36	56.83	98.20	45.42	97.52	37.50	96.13
54.5	65.82	98.41	57.21	98.24	45.77	97.57	37.89	96.21
55	66.60	98.46	58.03	98.34	46.53	97.67	38.73	96.31
55.5	67.20	98.48	58.45	98.37	46.96	97.73	39.17	96.42
56	67.96	98.59	59.09	98.40	47.68	97.79	39.84	96.54
56.5	68.56	98.59	59.44	98.43	48.14	97.86	40.28	96.57
57	69.11	98.60	60.18	98.47	48.87	97.93	41.08	96.70
57.5	69.53	98.60	60.60	98.53	49.28	97.98	41.55	96.83
58	70.16	98.64	61.19	98.61	50.05	98.03	42.26	96.90
58.5	70.69	98.79	61.67	98.63	50.53	98.08	42.78	96.98
59	71.33	98.88	62.35	98.69	51.20	98.18	43.55	97.21
59.5	71.81	98.88	62.81	98.73	51.71	98.24	44.05	97.24
60	72.61	98.95	63.55	98.77	52.52	98.31	44.88	97.38
60.5	72.97	98.95	63.93	98.77	52.89	98.35	45.24	97.40
61	73.61	98.99	64.51	98.83	53.46	98.39	45.85	97.44
61.5	74.11	99.02	65.06	98.88	54.06	98.45	46.44	97.46
62	74.58	99.05	65.56	98.92	54.63	98.48	47.09	97.49
62.5	75.10	99.08	66.14	98.95	55.28	98.50	47.72	97.53
63	75.66	99.14	66.65	99.00	55.86	98.56	48.37	97.64
63.5	76.17	99.20	67.37	99.05	56.52	98.65	49.17	97.72
64	76.68	99.32	68.00	99.19	57.23	98.68	49.94	97.90
64.5	76.92	99.32	68.26	99.19	57.56	98.69	50.31	97.95
65	77.50	99.38	68.91	99.24	58.24	98.76	51.11	98.01
65.5	77.78	99.41	69.31	99.27	58.65	98.80	51.57	98.03
66	78.26	99.41	69.89	99.28	59.32	98.82	52.35	98.17
66.5	78.77	99.41	70.40	99.29	59.89	98.84	52.88	98.18
67	78.92	99.41	70.73	99.29	60.28	98.86	53.28	98.18
67.5	79.69	99.47	71.52	99.30	61.21	98.92	54.18	98.26
68	79.98	99.47	71.78	99.30	61.49	98.94	54.49	98.29
68.5	80.27	99.48	72.04	99.32	61.86	98.96	54.91	98.29
69	80.84	99.51	72.76	99.35	62.76	99.02	55.85	98.35
69.5	81.32	99.58	73.09	99.36	63.20	99.03	56.47	98.37
70	81.65	99.65	73.57	99.39	63.69	99.04	56.98	98.40
70.5	82.18	99.66	73.97	99.40	64.19	99.06	57.49	98.41
71	82.45	99.66	74.28	99.42	64.60	99.08	57.92	98.42
71.5	82.72	99.70	74.60	99.42	64.95	99.10	58.37	98.43
72	83.39	99.72	75.29	99.46	65.77	99.13	59.36	98.50
73	84.12	99.72	76.01	99.47	66.72	99.18	60.44	98.59
73.5	84.43	99.74	76.36	99.50	67.16	99.21	60.87	98.62
74	84.74	99.74	76.75	99.51	67.63	99.22	61.42	98.65
74.5	85.27	99.75	77.47	99.53	68.47	99.26	62.31	98.69
75	85.97	99.81	78.18	99.54	69.27	99.30	63.03	98.74
75.5	86.39	99.81	78.56	99.55	69.79	99.32	63.60	98.74
76	86.64	99.84	78.86	99.56	70.25	99.32	64.15	98.78
76.5	87.03	99.84	79.28	99.58	70.81	99.33	64.88	98.84
77	88.16	99.85	80.33	99.62	72.02	99.38	66.25	98.98
78	88.87	99.85	81.26	99.63	73.06	99.43	67.51	99.01
78.5	89.06	99.91	81.56	99.63	73.53	99.43	68.01	99.01
79	89.37	99.92	82.06	99.64	74.20	99.46	68.72	99.02
79.5	89.64	99.92	82.38	99.67	74.70	99.48	69.21	99.04
80	90.00	99.92	82.81	99.67	75.30	99.48	69.91	99.09
80.5	90.34	99.92	83.37	99.69	75.98	99.50	70.67	99.15
81	90.83	99.92	84.15	99.71	77.09	99.51	71.90	99.18
81.5	91.07	99.92	84.46	99.74	77.63	99.52	72.46	99.18
82	91.33	99.92	84.79	99.74	78.12	99.53	72.99	99.21
82.5	91.67	99.92	85.20	99.75	78.66	99.55	73.59	99.23
83	91.89	99.92	85.59	99.76	79.23	99.56	74.20	99.26
83.5	92.13	99.92	86.10	99.76	79.99	99.57	75.03	99.32
84	92.55	99.92	86.72	99.77	80.88	99.59	76.06	99.34
84.5	92.76	99.92	87.08	99.77	81.36	99.60	76.60	99.35
85	93.01	99.92	87.46	99.77	81.84	99.61	77.16	99.38
85.5	93.39	99.92	88.21	99.78	82.81	99.62	78.37	99.40
86	93.49	99.92	88.59	99.79	83.38	99.62	79.05	99.41
86.5	93.81	99.92	89.04	99.79	84.05	99.63	79.92	99.41
87	93.85	99.92	89.30	99.79	84.46	99.64	80.45	99.44
87.5	94.14	99.92	89.83	99.80	85.23	99.65	81.50	99.47
88	94.29	99.92	90.05	99.81	85.62	99.66	82.05	99.47
88.5	94.56	99.92	90.58	99.82	86.41	99.68	83.07	99.49
89	94.72	99.94	90.82	99.82	86.82	99.69	83.69	99.50
89.5	94.96	99.94	91.43	99.82	87.77	99.71	84.83	99.51
90	95.15	99.94	91.72	99.82	88.25	99.72	85.47	99.51
90.5	95.25	99.94	92.02	99.83	88.67	99.74	86.12	99.54
91	95.35	99.94	92.22	99.84	88.95	99.74	86.51	99.58
91.5	95.45	99.94	92.55	99.84	89.43	99.75	87.09	99.60
92	95.66	99.94	93.01	99.85	90.09	99.76	88.02	99.62
93	96.05	99.94	93.65	99.86	91.08	99.79	89.23	99.65
93.5	96.63	99.94	94.27	99.86	91.94	99.81	90.12	99.66
94	97.04	99.94	94.82	99.89	92.64	99.83	90.90	99.71
94.5	97.55	99.94	95.75	99.93	93.80	99.87	92.01	99.81
95	97.84	99.94	96.37	99.93	94.66	99.89	93.08	99.83
95.5	98.06	99.94	96.56	99.95	94.99	99.90	93.55	99.83
96	98.47	100.00	97.19	99.97	95.86	99.92	94.73	99.85
96.5	98.55	100.00	97.35	99.97	96.14	99.92	95.03	99.85
97	98.93	100.00	97.77	99.98	96.81	99.93	95.88	99.88
97.5	99.32	100.00	98.51	99.99	97.74	99.95	96.93	99.91
98	99.71	100.00	99.29	100.00	98.93	99.97	98.59	99.95
98.5	99.95	100.00	99.79	100.00	99.64	100.00	99.43	100.00
99	99.98	100.00	99.96	100.00	99.92	100.00	99.85	100.00
99.5	100.00	100.00	99.99	100.00	99.98	100.00	99.96	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Return to figure

Figure 7.E. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
Modified New-Account Performance)

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

As shown in the figure, curves encompassed by the ellipses are the data for goods and bads respectively.

Figure 7.E. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
Modified New-Account Performance)
Race or ethnicity (SSA data)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.14	0.01	0.20	0.00	0.00	0.00	0.00
0.5	0.03	0.78	0.17	1.20	0.03	0.88	0.00	0.01
1	0.16	3.23	1.41	5.85	0.38	3.52	0.07	1.46
1.5	0.21	4.11	1.74	6.75	0.41	4.50	0.07	2.20
2	0.29	5.12	2.02	8.37	0.49	5.34	0.17	4.33
2.5	0.36	6.00	2.56	10.09	0.66	6.11	0.19	4.44
3	0.47	7.03	3.21	12.50	0.85	7.52	0.23	5.17
3.5	0.57	7.86	3.53	14.42	1.01	8.98	0.23	6.58
4	0.66	8.82	4.14	16.23	1.26	10.67	0.32	7.30
4.5	0.69	9.24	4.28	17.04	1.34	10.67	0.34	7.30
5	0.87	11.22	5.28	21.19	1.56	13.76	0.41	8.71
5.5	0.99	12.88	6.33	23.82	1.98	15.64	0.48	9.43
6	1.14	14.46	7.09	26.95	2.19	16.98	0.59	10.20
6.5	1.22	15.34	7.48	27.88	2.38	17.78	0.61	10.91
7	1.39	16.99	8.05	29.90	2.77	18.43	0.65	10.93
7.5	1.45	17.90	8.40	31.25	2.92	18.78	0.67	13.76
8	1.59	20.05	9.16	32.76	3.16	20.28	0.78	14.51
8.5	1.67	20.51	9.38	33.57	3.40	20.50	0.78	14.52
9	1.78	21.52	9.86	34.67	3.57	21.14	0.84	15.22
9.5	1.88	22.49	10.24	35.86	3.81	22.85	0.99	15.23
10	2.01	23.09	10.81	36.57	3.90	24.74	1.08	15.23
10.5	2.09	23.72	11.26	37.93	4.03	25.71	1.08	15.26
11	2.25	24.59	11.86	39.25	4.33	26.76	1.16	15.97
11.5	2.40	25.88	12.53	40.16	4.51	27.59	1.19	15.99
12	2.72	27.10	13.63	43.27	5.11	29.60	1.38	19.54
12.5	2.92	28.04	14.80	44.58	5.40	30.03	1.58	21.95
13	3.23	29.59	15.74	45.88	5.91	30.31	1.83	22.75
13.5	3.42	30.55	16.58	46.49	6.16	31.55	1.92	22.80
14	3.71	31.90	17.73	47.91	6.68	33.05	2.10	24.42
14.5	3.85	33.05	18.51	48.41	7.03	34.31	2.17	24.42
15	4.14	34.47	19.57	50.03	7.43	34.96	2.35	24.45
15.5	4.32	35.17	20.15	51.24	7.76	35.52	2.45	24.51
16	4.62	36.83	20.90	52.24	8.40	36.38	2.57	24.52
16.5	4.86	37.43	21.58	53.46	9.13	37.54	2.81	25.47
17	5.13	37.84	22.42	54.35	9.73	39.03	2.99	25.47
17.5	5.32	38.66	23.08	55.86	10.11	39.27	3.19	27.60
18	5.59	39.52	23.99	56.87	10.66	40.60	3.41	28.33
18.5	5.82	40.16	24.70	57.78	11.01	41.02	3.55	28.34
19	6.16	40.85	25.39	58.58	11.55	41.66	3.84	28.34
19.5	6.37	41.13	25.98	58.78	11.74	42.86	4.06	28.42
20	6.70	42.70	27.14	61.11	12.42	44.89	4.27	28.50
20.5	6.89	43.48	27.84	61.21	12.87	45.31	4.47	29.22
21	7.18	44.54	28.74	62.89	13.51	47.07	4.74	29.23
21.5	7.38	45.03	29.11	64.00	13.83	47.11	4.89	30.66
22	7.72	45.77	29.93	64.95	14.22	47.86	5.17	31.38
22.5	7.96	46.21	30.64	66.37	14.63	49.73	5.34	31.63
23	8.31	47.04	31.72	67.59	15.45	50.57	5.53	31.63
23.5	8.58	48.19	32.57	68.58	16.09	51.85	5.70	31.64
24	9.17	49.93	34.05	69.18	17.25	53.55	6.02	32.36
24.5	9.55	50.90	34.84	70.09	18.02	53.55	6.30	33.77
25	10.02	52.28	35.99	71.71	18.99	55.64	6.52	35.90
25.5	10.34	53.37	36.98	72.51	19.63	57.13	6.68	38.10
26	10.80	54.51	38.21	73.52	20.79	58.40	7.08	40.95
26.5	11.23	55.60	39.08	74.04	21.44	59.46	7.69	41.08
27	12.00	57.07	40.56	75.34	22.69	60.55	8.17	43.92
27.5	12.37	57.99	41.52	76.83	23.42	61.43	8.41	43.92
28	13.12	58.96	43.02	77.64	24.55	62.68	9.05	48.15
28.5	13.53	60.18	43.90	78.41	25.63	65.13	9.56	50.28
29	14.40	61.64	44.98	80.12	26.89	67.45	10.15	51.02
29.5	14.95	62.56	45.49	80.53	27.51	67.67	10.49	52.44
30	15.58	63.62	46.57	81.03	28.57	68.83	11.31	58.28
30.5	15.99	64.04	47.47	81.54	29.26	69.66	11.77	58.28
31	16.77	65.76	48.73	82.75	30.34	70.16	12.84	59.84
31.5	17.30	66.26	49.33	83.87	31.13	70.38	13.48	59.86
32	17.98	67.69	50.26	84.77	32.15	72.07	13.84	60.57
32.5	18.58	68.64	51.17	85.37	33.24	72.08	14.47	62.70
33	19.31	69.74	52.02	85.98	34.20	72.51	15.26	62.71
33.5	19.83	70.61	52.84	86.59	34.83	72.95	15.59	63.45
34	20.58	72.28	54.09	88.10	35.94	74.76	16.31	64.18
34.5	21.18	73.16	55.04	88.41	37.03	75.39	17.03	66.17
35	22.16	74.26	56.67	89.31	38.50	76.23	18.05	67.60
35.5	22.47	74.86	57.36	89.52	39.08	76.86	18.56	68.31
36	23.51	76.13	58.78	89.82	40.46	78.81	19.62	69.02
36.5	23.91	76.49	59.24	90.02	40.93	78.81	19.87	69.02
37	25.01	77.28	60.87	90.73	42.63	80.68	21.16	70.44
37.5	25.49	77.83	61.27	90.73	43.20	81.10	21.37	73.96
38	26.57	78.74	62.74	91.24	44.91	82.77	22.44	75.51
38.5	27.00	78.97	63.20	91.24	45.49	83.19	22.77	76.22
39	27.91	80.38	64.14	92.25	46.88	83.87	24.07	76.26
39.5	28.25	80.70	64.64	92.35	47.39	83.87	24.47	76.26
40	29.03	81.44	65.36	92.96	48.00	84.45	25.28	76.29
40.5	29.66	82.00	66.25	93.56	48.63	84.46	26.13	77.61
41	30.48	82.82	67.25	93.86	49.90	84.91	27.25	77.66
41.5	30.85	83.01	67.59	93.96	50.48	85.12	27.69	77.66
42	31.80	84.10	68.68	94.56	51.66	85.36	28.62	77.69
42.5	32.41	84.83	69.36	94.95	52.45	86.85	29.38	80.52
43	33.30	85.61	70.28	94.95	53.55	87.09	30.32	82.64
43.5	33.91	86.11	70.99	95.05	54.32	87.30	30.95	83.36
44	34.85	86.58	71.97	95.46	55.68	88.10	32.17	83.37
44.5	35.66	87.30	72.61	95.66	56.65	88.74	32.77	83.38
45	36.35	87.85	73.33	95.86	57.53	88.96	33.83	84.10
45.5	37.08	88.17	74.28	95.86	58.45	88.96	34.64	84.11
46	37.89	88.95	75.12	95.86	59.68	89.18	35.53	85.52
46.5	38.47	89.27	75.37	95.96	60.27	89.59	36.15	85.53
47	39.55	89.73	76.25	96.47	61.68	90.86	37.47	87.59
47.5	40.03	89.83	76.77	96.57	61.99	91.07	38.02	87.59
48	41.08	90.28	77.25	96.67	62.99	92.74	39.23	88.30
48.5	41.58	90.47	77.72	96.67	63.51	92.95	39.78	88.30
49	42.16	90.70	78.15	96.87	64.34	93.37	40.49	88.30
49.5	42.81	90.97	78.54	96.87	65.02	93.38	41.37	88.31
50	43.57	91.25	79.01	97.27	65.93	93.59	42.34	88.31
50.5	44.00	91.34	79.33	97.48	66.40	93.59	42.78	88.31
51	44.89	91.73	80.02	97.48	67.28	94.02	44.17	88.70
51.5	45.60	92.00	80.23	97.58	67.98	94.23	44.77	89.41
52	46.49	92.28	80.73	97.58	68.86	95.48	45.93	89.41
52.5	47.10	92.51	81.23	97.58	69.65	95.48	46.77	89.41
53	47.85	92.74	81.67	97.88	70.42	95.48	48.23	89.41
53.5	48.62	92.96	82.16	97.98	71.07	95.68	49.37	93.64
54	49.50	93.38	82.45	98.08	71.90	95.89	50.70	94.35
54.5	49.98	93.47	82.85	98.18	72.31	95.90	51.59	95.06
55	51.03	93.68	83.71	98.69	73.22	96.54	52.76	95.11
55.5	51.52	94.03	84.17	98.69	73.77	97.00	53.24	95.20
56	52.27	94.22	84.64	98.69	74.22	97.00	54.03	95.20
56.5	52.85	94.45	85.13	98.69	74.83	97.00	54.88	95.20
57	53.71	94.63	85.43	98.79	75.77	97.00	56.00	95.20
57.5	54.25	94.76	85.63	98.79	76.16	97.23	56.65	95.99
58	55.18	95.03	86.04	98.99	77.01	97.23	57.42	95.99
58.5	55.86	95.08	86.29	98.99	77.63	97.23	58.10	95.99
59	56.71	95.31	86.68	99.09	78.22	97.65	58.87	96.70
59.5	57.29	95.35	87.00	99.09	78.76	97.66	59.77	96.70
60	58.20	95.40	87.50	99.09	79.33	98.08	61.03	96.70
60.5	58.60	95.40	87.61	99.20	79.70	98.08	61.51	96.70
61	59.29	95.53	87.88	99.30	80.27	98.29	62.29	97.41
61.5	59.95	95.63	88.19	99.30	80.67	98.29	63.13	97.41
62	60.66	95.72	88.59	99.30	81.09	98.29	63.71	97.41
62.5	61.39	95.81	88.99	99.50	81.59	98.29	64.91	97.41
63	62.02	96.09	89.32	99.50	81.92	98.29	65.51	97.41
63.5	62.70	96.31	89.57	99.50	82.49	98.31	66.40	97.42
64	63.48	96.45	89.85	99.50	83.14	98.53	67.17	98.14
64.5	63.84	96.49	89.93	99.50	83.39	98.53	67.42	98.14
65	64.51	96.54	90.17	99.50	83.80	98.53	68.12	98.14
65.5	64.96	96.58	90.30	99.50	84.01	98.53	68.86	98.14
66	65.72	96.58	90.63	99.50	84.39	98.53	69.57	98.14
66.5	66.08	96.63	90.85	99.50	84.74	98.53	70.05	98.14
67	66.53	96.64	90.95	99.50	85.02	98.67	70.36	98.14
67.5	67.36	96.83	91.47	99.50	85.60	98.86	71.38	98.15
68	67.67	96.83	91.54	99.50	85.78	98.86	71.60	98.15
68.5	68.11	96.88	91.62	99.50	86.02	98.86	72.20	98.15
69	68.94	97.01	91.76	99.60	86.51	98.86	73.15	98.18
69.5	69.56	97.01	91.97	99.60	86.93	99.07	73.91	98.18
70	69.99	97.01	92.17	99.60	87.23	99.07	74.24	98.18
70.5	70.53	97.15	92.29	99.60	87.46	99.07	74.57	98.18
71	71.00	97.38	92.54	99.60	87.68	99.07	75.00	98.19
71.5	71.42	97.38	92.64	99.60	87.93	99.07	75.59	98.19
72	72.31	97.42	93.00	99.60	88.44	99.29	76.62	98.19
73	73.28	97.70	93.50	99.60	88.93	99.29	77.54	98.19
73.5	73.74	97.93	93.57	99.60	89.11	99.29	77.85	98.20
74	74.19	97.93	93.76	99.60	89.28	99.29	78.41	98.20
74.5	74.83	97.97	93.92	99.70	89.71	99.50	79.02	98.20
75	75.21	98.07	94.03	99.70	89.99	99.71	79.27	98.20
75.5	75.71	98.11	94.20	99.70	90.26	99.71	80.01	98.20
76	76.23	98.25	94.29	99.70	90.46	99.92	80.51	98.20
76.5	76.91	98.29	94.52	99.70	90.79	99.92	81.07	98.21
77	77.88	98.52	94.79	99.70	91.42	99.93	82.28	98.98
78	78.87	98.70	95.01	99.70	91.97	99.94	83.10	98.99
78.5	79.25	98.70	95.07	99.70	92.08	99.94	83.60	98.99
79	79.82	98.70	95.15	99.70	92.39	99.94	84.14	98.99
79.5	80.22	98.84	95.30	99.70	92.68	99.94	84.52	98.99
80	80.76	98.88	95.68	99.80	92.99	99.94	85.04	98.99
80.5	81.25	98.93	95.85	99.80	93.21	99.94	85.37	99.00
81	82.32	98.97	96.17	99.80	93.66	99.94	86.09	99.00
81.5	82.77	98.97	96.28	99.80	93.83	99.94	86.59	99.00
82	83.25	98.97	96.43	99.80	94.03	99.94	86.94	99.00
82.5	83.76	99.02	96.55	99.80	94.27	99.94	87.38	99.00
83	84.36	99.02	96.74	99.80	94.44	99.94	87.69	99.00
83.5	84.93	99.02	96.94	99.80	94.62	99.94	88.13	99.00
84	85.78	99.02	97.15	99.80	95.10	99.94	88.82	99.00
84.5	86.24	99.02	97.27	99.80	95.27	99.94	89.19	99.00
85	86.79	99.07	97.34	99.80	95.39	99.94	89.63	99.00
85.5	87.69	99.11	97.55	99.80	95.86	99.94	90.18	99.00
86	88.19	99.11	97.66	99.90	95.98	99.95	90.52	99.00
86.5	88.90	99.16	97.88	99.90	96.46	99.95	91.08	99.01
87	89.34	99.34	97.96	99.90	96.54	99.96	91.33	99.02
87.5	90.19	99.38	98.12	99.90	96.78	99.96	92.05	99.02
88	90.59	99.38	98.16	99.90	96.97	99.96	92.36	99.02
88.5	91.33	99.43	98.29	99.90	97.14	99.96	92.80	99.02
89	91.76	99.47	98.37	99.90	97.22	99.96	93.28	99.02
89.5	92.55	99.47	98.57	100.00	97.56	99.97	93.63	99.02
90	92.97	99.47	98.65	100.00	97.67	99.97	93.93	99.02
90.5	93.35	99.52	98.71	100.00	97.78	99.97	94.17	99.02
91	93.57	99.57	98.75	100.00	97.84	99.97	94.48	99.02
91.5	94.00	99.57	98.80	100.00	97.94	99.97	94.79	99.02
92	94.61	99.66	98.93	100.00	98.15	99.98	95.39	99.03
93	95.27	99.66	99.05	100.00	98.34	99.98	96.00	99.03
93.5	95.72	99.66	99.10	100.00	98.51	99.98	96.32	99.03
94	96.01	99.70	99.18	100.00	98.55	99.98	96.70	99.03
94.5	96.42	99.75	99.25	100.00	98.71	99.98	97.08	99.03
95	96.90	99.75	99.34	100.00	98.88	99.99	97.29	99.71
95.5	97.09	99.75	99.37	100.00	99.02	99.99	97.47	99.71
96	97.59	99.82	99.59	100.00	99.18	100.00	97.82	100.00
96.5	97.74	99.82	99.61	100.00	99.26	100.00	97.94	100.00
97	98.14	99.82	99.67	100.00	99.38	100.00	98.27	100.00
97.5	98.67	99.82	99.78	100.00	99.63	100.00	98.67	100.00
98	99.38	99.95	99.94	100.00	99.84	100.00	99.32	100.00
98.5	99.75	100.00	100.00	100.00	99.93	100.00	99.60	100.00
99	99.95	100.00	100.00	100.00	100.00	100.00	99.86	100.00
99.5	99.99	100.00	100.00	100.00	100.00	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.E. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
Modified New-Account Performance)
Race or ethnicity (location-based distribution)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.14	0.01	0.10	0.00	0.05	0.00	0.03
0.5	0.03	0.79	0.09	1.29	0.04	0.98	0.01	0.75
1	0.22	3.65	0.63	4.49	0.46	3.78	0.17	3.37
1.5	0.27	4.51	0.79	5.15	0.51	4.64	0.20	4.20
2	0.36	5.64	0.98	6.52	0.64	6.13	0.26	4.86
2.5	0.44	6.65	1.26	8.13	0.78	7.20	0.31	5.56
3	0.57	7.81	1.60	9.69	1.01	9.12	0.41	6.46
3.5	0.67	8.82	1.85	11.25	1.15	10.55	0.47	7.37
4	0.77	9.87	2.14	13.00	1.36	11.83	0.54	8.05
4.5	0.81	10.32	2.27	13.53	1.41	12.39	0.56	8.54
5	1.01	12.44	2.91	17.82	1.67	14.90	0.67	12.08
5.5	1.19	14.15	3.37	20.20	1.97	16.90	0.80	13.47
6	1.37	15.73	3.82	23.11	2.24	18.62	0.93	14.74
6.5	1.47	16.59	4.03	24.11	2.39	19.13	1.01	15.69
7	1.66	18.46	4.35	25.66	2.69	20.20	1.13	16.86
7.5	1.73	19.32	4.52	26.90	2.81	21.17	1.18	18.64
8	1.90	21.31	4.96	28.61	3.04	22.99	1.29	19.96
8.5	1.99	21.73	5.14	29.17	3.20	23.49	1.34	20.20
9	2.11	22.69	5.44	30.03	3.36	24.14	1.43	21.18
9.5	2.22	23.68	5.70	31.19	3.55	25.38	1.53	21.91
10	2.35	24.36	6.04	31.88	3.71	26.38	1.67	22.25
10.5	2.46	25.12	6.27	32.99	3.83	27.32	1.75	22.68
11	2.63	26.02	6.63	34.15	4.01	28.31	1.89	23.98
11.5	2.79	27.20	7.01	35.38	4.25	29.14	2.04	24.54
12	3.13	28.88	7.75	37.60	4.81	31.21	2.33	26.80
12.5	3.38	29.85	8.28	38.71	5.12	31.90	2.53	27.59
13	3.71	31.17	8.95	40.05	5.65	32.91	2.81	29.00
13.5	3.92	31.93	9.36	40.70	5.88	34.02	2.97	29.92
14	4.23	33.40	10.00	42.20	6.37	35.02	3.22	30.98
14.5	4.40	34.60	10.48	42.64	6.63	36.26	3.34	31.60
15	4.71	36.10	11.16	44.29	7.02	37.02	3.59	32.30
15.5	4.91	36.88	11.54	45.10	7.33	37.59	3.71	33.30
16	5.22	38.28	12.01	46.08	7.77	38.24	3.97	34.50
16.5	5.50	39.11	12.46	46.58	8.19	39.19	4.21	35.30
17	5.79	39.71	13.07	47.60	8.71	40.30	4.47	35.70
17.5	6.00	40.44	13.48	49.10	8.99	41.21	4.65	36.77
18	6.32	41.73	13.99	49.82	9.45	41.97	4.94	37.50
18.5	6.58	42.38	14.48	50.40	9.70	42.34	5.13	37.81
19	6.94	43.21	15.02	51.09	10.16	42.98	5.47	38.24
19.5	7.15	43.70	15.42	51.36	10.41	43.57	5.62	38.50
20	7.53	45.36	16.22	53.56	11.00	45.55	6.06	40.13
20.5	7.75	46.02	16.65	53.94	11.37	46.06	6.32	40.29
21	8.07	47.29	17.21	55.23	11.90	47.36	6.67	41.63
21.5	8.29	47.77	17.53	56.19	12.21	48.36	6.88	42.44
22	8.64	48.55	18.13	57.44	12.65	49.78	7.22	43.30
22.5	8.89	48.94	18.60	59.24	13.03	51.11	7.47	44.21
23	9.26	49.81	19.30	60.80	13.69	51.87	7.79	44.94
23.5	9.56	51.07	19.90	61.75	14.20	52.73	8.10	45.48
24	10.16	52.55	20.97	62.67	15.17	54.42	8.68	46.70
24.5	10.55	53.55	21.63	63.44	15.79	55.23	9.04	47.47
25	11.04	55.09	22.40	64.96	16.66	56.67	9.51	49.66
25.5	11.40	56.28	22.99	65.63	17.15	57.93	9.75	50.40
26	11.92	57.41	23.83	66.87	18.00	58.75	10.19	51.26
26.5	12.37	58.21	24.61	67.59	18.70	59.86	10.62	52.43
27	13.13	59.73	25.88	69.02	19.88	61.03	11.33	53.77
27.5	13.51	60.71	26.65	70.28	20.53	61.84	11.69	55.16
28	14.30	61.83	27.86	71.23	21.53	62.80	12.39	56.43
28.5	14.74	62.97	28.55	72.17	22.41	64.70	12.90	57.64
29	15.59	64.20	29.74	74.31	23.65	67.36	13.70	58.67
29.5	16.11	64.95	30.35	74.68	24.31	67.90	14.22	59.65
30	16.79	66.05	31.30	76.23	25.34	68.69	14.99	60.99
30.5	17.25	66.50	31.89	76.65	25.91	69.36	15.40	61.39
31	18.04	67.83	32.94	77.84	26.91	70.49	16.23	63.59
31.5	18.59	68.40	33.53	78.85	27.65	71.05	16.74	63.90
32	19.25	69.55	34.38	79.81	28.47	72.80	17.29	64.89
32.5	19.87	70.43	35.30	80.52	29.50	73.42	18.02	65.47
33	20.61	71.61	36.11	81.09	30.39	73.97	18.61	65.86
33.5	21.11	72.29	36.83	81.75	31.05	74.91	19.09	66.59
34	21.92	73.82	37.77	83.26	32.12	76.75	19.78	68.07
34.5	22.53	74.69	38.58	83.60	33.02	77.36	20.39	68.90
35	23.57	75.78	39.75	84.25	34.26	78.41	21.35	70.47
35.5	23.90	76.37	40.28	84.95	34.71	78.53	21.75	71.05
36	24.94	77.49	41.54	85.67	35.97	79.86	22.93	72.13
36.5	25.33	77.88	42.08	85.75	36.45	79.96	23.26	72.29
37	26.50	78.76	43.36	86.66	38.03	81.67	24.53	73.22
37.5	26.94	79.23	43.84	86.81	38.52	82.13	25.02	76.09
38	28.06	80.08	45.26	87.27	39.89	83.07	26.29	78.68
38.5	28.48	80.25	45.71	87.43	40.39	83.43	26.81	79.41
39	29.44	81.67	46.71	87.87	41.53	84.33	28.07	81.10
39.5	29.79	81.88	47.23	88.04	42.00	84.45	28.50	81.26
40	30.52	82.71	48.10	88.50	42.84	85.20	29.33	82.40
40.5	31.16	83.37	48.87	88.92	43.56	85.31	30.08	83.21
41	32.00	83.98	49.86	89.14	44.70	86.17	31.01	83.74
41.5	32.40	84.16	50.23	89.38	45.12	86.35	31.42	83.98
42	33.39	84.98	51.18	90.10	46.29	86.79	32.33	84.70
42.5	33.99	85.72	51.85	90.64	47.02	87.74	33.07	87.55
43	34.91	86.36	52.84	90.88	47.98	87.99	33.90	88.17
43.5	35.52	86.81	53.47	91.02	48.61	88.22	34.69	88.49
44	36.50	87.42	54.46	91.27	49.75	88.74	35.75	88.71
44.5	37.32	88.21	55.18	91.40	50.54	89.23	36.56	89.11
45	38.01	88.57	55.92	91.90	51.48	89.64	37.44	89.80
45.5	38.77	88.92	56.70	92.20	52.39	89.92	38.31	90.30
46	39.60	89.56	57.59	92.41	53.43	90.44	39.08	91.02
46.5	40.16	89.83	58.11	92.50	53.94	90.73	39.76	91.18
47	41.22	90.41	59.37	93.54	55.21	92.39	40.91	91.82
47.5	41.73	90.51	59.80	93.59	55.61	92.54	41.40	91.96
48	42.75	91.01	60.64	94.20	56.55	93.08	42.37	92.41
48.5	43.26	91.17	61.16	94.21	57.08	93.16	42.82	92.43
49	43.86	91.50	61.72	94.47	57.69	93.30	43.38	92.55
49.5	44.52	91.72	62.30	94.53	58.30	93.41	43.97	92.65
50	45.31	92.08	63.01	94.75	59.11	93.92	44.78	92.98
50.5	45.75	92.16	63.40	94.93	59.48	93.96	45.22	93.05
51	46.64	92.53	64.24	95.09	60.34	94.09	46.34	93.15
51.5	47.32	92.79	64.81	95.20	61.00	94.15	46.97	93.51
52	48.22	93.14	65.56	95.36	61.88	94.65	47.98	93.85
52.5	48.85	93.32	66.21	95.49	62.54	94.67	48.69	93.88
53	49.63	93.49	66.83	95.92	63.36	94.85	49.86	93.92
53.5	50.43	93.82	67.49	96.16	64.07	95.18	50.70	94.63
54	51.31	94.23	68.22	96.37	64.90	95.30	51.80	94.92
54.5	51.81	94.40	68.67	96.42	65.35	95.42	52.37	95.24
55	52.86	94.66	69.45	96.89	66.42	95.86	53.41	95.73
55.5	53.34	94.93	69.81	96.92	67.01	96.28	54.03	95.88
56	54.11	95.06	70.48	96.94	67.67	96.32	54.80	95.93
56.5	54.70	95.21	70.98	96.95	68.23	96.43	55.40	95.96
57	55.56	95.40	71.56	97.00	69.06	96.47	56.29	96.07
57.5	56.06	95.55	71.94	97.02	69.60	96.57	56.88	96.26
58	56.98	95.81	72.55	97.14	70.36	97.20	57.83	96.54
58.5	57.64	95.84	72.99	97.23	71.00	97.27	58.63	96.59
59	58.47	96.09	73.67	97.31	71.68	97.56	59.51	96.69
59.5	59.05	96.11	74.13	97.36	72.22	97.57	60.11	96.70
60	59.96	96.18	74.90	97.44	72.88	97.63	61.15	96.72
60.5	60.37	96.30	75.18	97.47	73.22	97.68	61.58	96.78
61	61.04	96.45	75.65	97.67	73.86	97.86	62.15	97.10
61.5	61.70	96.57	76.18	97.72	74.34	97.89	62.84	97.17
62	62.39	96.68	76.83	97.72	74.91	97.90	63.55	97.19
62.5	63.11	96.80	77.58	97.86	75.56	98.03	64.29	97.21
63	63.72	96.99	78.06	98.01	75.99	98.13	64.93	97.26
63.5	64.44	97.12	78.52	98.02	76.57	98.33	65.74	97.36
64	65.23	97.26	79.14	98.13	77.31	98.66	66.53	97.72
64.5	65.58	97.29	79.44	98.13	77.55	98.67	66.83	97.75
65	66.26	97.34	79.93	98.19	78.04	98.67	67.47	97.79
65.5	66.69	97.41	80.14	98.21	78.41	98.68	68.01	97.81
66	67.42	97.44	80.59	98.22	78.96	98.69	68.75	97.85
66.5	67.79	97.47	80.91	98.23	79.26	98.69	69.26	97.87
67	68.22	97.50	81.15	98.23	79.62	98.73	69.63	97.88
67.5	69.04	97.62	81.90	98.52	80.34	98.94	70.53	98.12
68	69.33	97.62	82.14	98.52	80.53	98.94	70.87	98.12
68.5	69.76	97.65	82.35	98.54	80.84	98.95	71.32	98.12
69	70.57	97.79	82.84	98.55	81.44	98.96	72.03	98.15
69.5	71.17	97.80	83.26	98.55	81.85	99.09	72.64	98.16
70	71.60	97.80	83.56	98.55	82.17	99.09	73.04	98.16
70.5	72.09	97.83	83.88	98.84	82.51	99.09	73.46	98.19
71	72.53	98.01	84.20	99.05	82.80	99.13	73.89	98.27
71.5	72.95	98.01	84.48	99.05	83.13	99.13	74.38	98.27
72	73.83	98.04	84.99	99.14	83.77	99.22	75.17	98.28
73	74.76	98.15	85.66	99.39	84.48	99.33	76.19	98.69
73.5	75.19	98.32	85.94	99.40	84.76	99.35	76.57	98.72
74	75.64	98.32	86.26	99.40	85.07	99.35	77.01	98.72
74.5	76.24	98.39	86.66	99.49	85.48	99.43	77.73	98.76
75	76.62	98.49	86.93	99.49	85.76	99.44	78.05	98.78
75.5	77.11	98.53	87.25	99.50	86.14	99.44	78.46	98.78
76	77.59	98.62	87.54	99.53	86.39	99.63	78.93	98.90
76.5	78.25	98.66	87.89	99.53	86.83	99.63	79.55	98.90
77	79.22	98.83	88.49	99.55	87.60	99.70	80.56	99.30
78	80.16	98.97	89.04	99.56	88.18	99.73	81.48	99.37
78.5	80.53	98.97	89.20	99.56	88.43	99.73	81.85	99.37
79	81.08	98.97	89.55	99.56	88.75	99.73	82.34	99.37
79.5	81.47	99.08	89.81	99.56	88.97	99.73	82.70	99.38
80	82.01	99.14	90.11	99.58	89.37	99.75	83.23	99.39
80.5	82.48	99.17	90.37	99.59	89.66	99.75	83.70	99.48
81	83.48	99.20	91.06	99.61	90.30	99.76	84.63	99.48
81.5	83.91	99.20	91.29	99.61	90.54	99.76	85.09	99.48
82	84.36	99.20	91.52	99.61	90.82	99.76	85.49	99.48
82.5	84.85	99.23	91.79	99.62	91.10	99.76	85.92	99.50
83	85.40	99.23	92.07	99.62	91.48	99.76	86.39	99.50
83.5	85.95	99.26	92.36	99.63	91.80	99.78	86.83	99.53
84	86.77	99.26	92.80	99.63	92.28	99.78	87.67	99.53
84.5	87.20	99.26	93.06	99.63	92.51	99.78	88.05	99.53
85	87.69	99.29	93.33	99.64	92.80	99.78	88.46	99.59
85.5	88.55	99.31	93.83	99.66	93.32	99.80	89.22	99.61
86	89.01	99.32	94.08	99.78	93.59	99.81	89.68	99.62
86.5	89.67	99.35	94.49	99.79	94.09	99.81	90.36	99.62
87	90.07	99.48	94.66	99.80	94.30	99.84	90.81	99.69
87.5	90.84	99.51	95.07	99.80	94.72	99.85	91.48	99.76
88	91.22	99.51	95.29	99.80	94.95	99.85	91.84	99.76
88.5	91.90	99.55	95.67	99.80	95.34	99.85	92.40	99.76
89	92.30	99.59	95.83	99.80	95.54	99.85	92.72	99.77
89.5	93.01	99.62	96.27	99.82	95.99	99.86	93.33	99.77
90	93.39	99.62	96.51	99.82	96.24	99.86	93.65	99.77
90.5	93.74	99.64	96.69	99.82	96.47	99.89	93.95	99.78
91	93.95	99.68	96.81	99.83	96.57	99.89	94.18	99.78
91.5	94.36	99.68	97.00	99.83	96.75	99.89	94.50	99.78
92	94.92	99.74	97.25	99.86	97.10	99.91	95.12	99.80
93	95.54	99.74	97.55	99.86	97.48	99.91	95.66	99.80
93.5	95.95	99.74	97.80	99.86	97.69	99.91	96.01	99.80
94	96.22	99.76	98.00	99.90	97.84	99.91	96.28	99.80
94.5	96.62	99.79	98.23	99.93	98.08	99.93	96.59	99.82
95	97.06	99.81	98.46	99.94	98.34	99.95	96.97	99.90
95.5	97.25	99.81	98.55	99.94	98.47	99.95	97.11	99.90
96	97.72	99.87	98.83	99.98	98.72	99.98	97.58	99.93
96.5	97.86	99.87	98.88	99.98	98.82	99.98	97.72	99.93
97	98.25	99.87	99.07	99.98	98.99	99.98	98.04	99.93
97.5	98.73	99.87	99.36	99.98	99.30	99.98	98.60	99.93
98	99.40	99.97	99.75	100.00	99.64	99.99	99.22	99.99
98.5	99.77	100.00	99.90	100.00	99.85	100.00	99.59	100.00
99	99.95	100.00	99.98	100.00	99.97	100.00	99.89	100.00
99.5	99.99	100.00	100.00	100.00	99.99	100.00	100.00	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.E. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
Modified New-Account Performance)
Sex
Percent

Score	Male (Good)	Male (Bad)	Female (Good)	Female (Bad)
0	0.00	0.05	0.00	0.19
0.5	0.03	0.73	0.04	1.11
1	0.25	2.98	0.29	4.81
1.5	0.31	3.66	0.37	5.87
2	0.40	5.07	0.47	6.97
2.5	0.51	6.37	0.59	7.93
3	0.65	7.52	0.76	9.57
3.5	0.75	8.67	0.90	10.82
4	0.88	9.77	1.04	12.16
4.5	0.92	10.13	1.09	12.64
5	1.15	12.11	1.34	15.91
5.5	1.36	13.63	1.58	18.13
6	1.55	15.25	1.80	20.34
6.5	1.65	16.24	1.92	21.11
7	1.89	18.17	2.11	22.69
7.5	2.00	19.06	2.18	23.80
8	2.18	21.15	2.38	25.53
8.5	2.30	21.51	2.49	26.11
9	2.45	22.51	2.60	27.02
9.5	2.59	23.03	2.73	28.51
10	2.75	23.76	2.88	29.33
10.5	2.86	24.80	3.00	30.05
11	3.10	25.80	3.16	31.06
11.5	3.26	26.48	3.36	32.45
12	3.67	28.09	3.74	34.62
12.5	3.93	29.09	4.02	35.58
13	4.31	30.29	4.42	36.92
13.5	4.54	31.33	4.65	37.60
14	4.91	32.48	5.00	39.18
14.5	5.10	33.26	5.22	40.29
15	5.44	34.67	5.59	41.63
15.5	5.64	35.61	5.82	42.31
16	5.95	36.87	6.19	43.61
16.5	6.29	37.60	6.48	44.57
17	6.68	38.49	6.78	45.10
17.5	6.91	39.32	7.02	46.11
18	7.25	40.73	7.38	46.97
18.5	7.51	41.36	7.68	47.60
19	7.91	42.19	8.05	48.17
19.5	8.16	42.87	8.27	48.37
20	8.61	44.23	8.67	50.43
20.5	8.89	44.91	8.89	50.87
21	9.26	46.42	9.25	51.88
21.5	9.49	47.05	9.46	52.50
22	9.87	48.20	9.83	53.13
22.5	10.16	48.62	10.10	54.33
23	10.57	49.50	10.55	55.34
23.5	10.94	50.55	10.88	56.54
24	11.55	51.80	11.64	58.08
24.5	12.00	52.74	12.06	58.89
25	12.60	54.46	12.57	60.34
25.5	12.93	55.40	13.00	61.63
26	13.54	56.76	13.57	62.55
26.5	14.04	57.60	14.06	63.46
27	14.88	59.22	14.95	64.81
27.5	15.32	60.37	15.38	65.77
28	16.17	61.31	16.19	67.02
28.5	16.76	62.61	16.65	68.17
29	17.74	64.39	17.51	69.52
29.5	18.29	65.07	18.03	70.19
30	19.04	66.48	18.72	71.06
30.5	19.51	67.05	19.22	71.44
31	20.30	68.25	20.10	72.98
31.5	20.94	68.83	20.60	73.61
32	21.63	69.77	21.30	75.10
32.5	22.30	70.81	21.96	75.63
33	23.12	71.80	22.68	76.35
33.5	23.67	72.64	23.20	76.97
34	24.68	74.36	23.87	78.37
34.5	25.38	75.09	24.50	79.09
35	26.49	76.34	25.50	79.90
35.5	26.86	77.18	25.86	80.29
36	27.99	78.38	26.93	81.25
36.5	28.39	78.75	27.32	81.39
37	29.75	80.16	28.45	82.02
37.5	30.25	80.57	28.88	82.55
38	31.52	81.67	29.97	83.27
38.5	32.02	81.83	30.35	83.51
39	33.00	82.72	31.32	84.95
39.5	33.38	83.03	31.70	85.05
40	34.17	84.23	32.42	85.38
40.5	34.83	84.86	33.08	85.82
41	35.80	85.27	33.90	86.59
41.5	36.18	85.43	34.32	86.78
42	37.16	86.21	35.30	87.60
42.5	37.77	86.95	35.95	88.51
43	38.77	87.47	36.79	89.04
43.5	39.49	87.89	37.35	89.33
44	40.42	88.36	38.42	89.81
44.5	41.26	88.98	39.19	90.24
45	41.97	89.56	39.91	90.53
45.5	42.80	90.08	40.66	90.67
46	43.73	90.65	41.41	91.11
46.5	44.30	90.97	41.94	91.30
47	45.41	91.33	43.04	92.12
47.5	45.93	91.44	43.51	92.21
48	46.99	92.01	44.46	92.64
48.5	47.51	92.11	44.93	92.79
49	48.10	92.48	45.52	93.03
49.5	48.76	92.64	46.15	93.22
50	49.55	93.11	46.92	93.37
50.5	50.02	93.21	47.29	93.46
51	50.95	93.47	48.16	93.75
51.5	51.67	93.68	48.77	93.99
52	52.63	94.05	49.56	94.23
52.5	53.27	94.10	50.19	94.42
53	54.05	94.36	50.94	94.57
53.5	54.87	94.83	51.66	94.76
54	55.73	95.20	52.49	95.05
54.5	56.29	95.35	52.91	95.14
55	57.23	95.56	54.00	95.58
55.5	57.73	95.67	54.47	95.96
56	58.49	95.77	55.15	96.06
56.5	59.08	95.93	55.72	96.15
57	59.97	96.14	56.51	96.20
57.5	60.48	96.24	57.02	96.35
58	61.44	96.40	57.83	96.59
58.5	62.09	96.40	58.45	96.63
59	63.02	96.71	59.15	96.78
59.5	63.58	96.76	59.72	96.78
60	64.40	96.76	60.65	96.92
60.5	64.75	96.81	61.05	96.92
61	65.45	97.08	61.65	96.97
61.5	66.04	97.13	62.31	97.07
62	66.71	97.23	62.97	97.07
62.5	67.39	97.28	63.71	97.21
63	68.00	97.34	64.26	97.50
63.5	68.67	97.44	64.89	97.64
64	69.40	97.60	65.65	97.79
64.5	69.76	97.65	65.95	97.79
65	70.38	97.70	66.57	97.79
65.5	70.87	97.70	66.91	97.84
66	71.59	97.70	67.55	97.84
66.5	71.96	97.70	67.91	97.88
67	72.42	97.70	68.24	97.93
67.5	73.24	97.81	69.02	98.08
68	73.51	97.81	69.30	98.08
68.5	73.90	97.81	69.72	98.13
69	74.71	97.96	70.41	98.17
69.5	75.31	98.02	70.97	98.17
70	75.65	98.02	71.43	98.17
70.5	76.14	98.07	71.89	98.27
71	76.54	98.28	72.30	98.32
71.5	76.98	98.28	72.65	98.32
72	77.79	98.33	73.49	98.37
73	78.71	98.43	74.34	98.56
73.5	79.03	98.64	74.81	98.61
74	79.46	98.64	75.23	98.61
74.5	80.01	98.80	75.83	98.61
75	80.35	98.85	76.19	98.70
75.5	80.83	98.90	76.65	98.70
76	81.32	98.96	77.07	98.85
76.5	81.92	98.96	77.70	98.89
77	82.70	99.11	78.73	99.04
78	83.59	99.22	79.58	99.13
78.5	83.91	99.22	79.96	99.13
79	84.39	99.22	80.48	99.13
79.5	84.71	99.22	80.90	99.28
80	85.17	99.27	81.46	99.33
80.5	85.55	99.32	81.95	99.33
81	86.43	99.37	82.97	99.33
81.5	86.81	99.37	83.39	99.33
82	87.21	99.37	83.83	99.33
82.5	87.68	99.43	84.25	99.33
83	88.14	99.43	84.82	99.33
83.5	88.59	99.43	85.38	99.33
84	89.29	99.43	86.18	99.33
84.5	89.70	99.43	86.58	99.33
85	90.10	99.43	87.10	99.38
85.5	90.80	99.48	87.99	99.38
86	91.25	99.53	88.40	99.38
86.5	91.85	99.58	89.05	99.38
87	92.24	99.69	89.40	99.47
87.5	92.86	99.69	90.22	99.52
88	93.16	99.69	90.61	99.52
88.5	93.67	99.69	91.35	99.57
89	94.01	99.69	91.75	99.62
89.5	94.55	99.69	92.53	99.66
90	94.85	99.69	92.95	99.66
90.5	95.12	99.69	93.32	99.71
91	95.32	99.74	93.52	99.71
91.5	95.60	99.74	93.96	99.71
92	96.11	99.84	94.51	99.71
93	96.60	99.84	95.17	99.71
93.5	96.91	99.84	95.63	99.71
94	97.12	99.90	95.92	99.71
94.5	97.43	99.90	96.33	99.76
95	97.74	99.90	96.82	99.81
95.5	97.89	99.90	97.03	99.81
96	98.27	99.90	97.52	99.90
96.5	98.37	99.90	97.68	99.90
97	98.62	99.90	98.11	99.90
97.5	99.02	99.90	98.63	99.90
98	99.56	99.95	99.33	100.00
98.5	99.85	100.00	99.70	100.00
99	99.97	100.00	99.94	100.00
99.5	100.00	100.00	99.99	100.00
100	100.00	100.00	100.00	100.00

Figure 7.E. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
Modified New-Account Performance)
Age (years)
Percent

Score	Younger than 30 (Good)	Younger than 30 (Bad)	30-39 (Good)	30-39 (Bad)	40-49 (Good)	40-49 (Bad)	50-61 (Good)	50-61 (Bad)	62 or older (Good)	62 or older (Bad)
0	0.00	0.00	0.00	0.09	0.00	0.33	0.00	0.00	0.00	0.34
0.5	0.05	0.34	0.06	1.11	0.03	1.34	0.03	0.95	0.02	1.36
1	0.41	2.85	0.34	4.60	0.26	5.02	0.19	3.61	0.15	3.06
1.5	0.46	3.60	0.41	5.52	0.32	5.80	0.23	4.94	0.28	3.74
2	0.64	4.69	0.51	6.91	0.44	6.81	0.29	6.84	0.32	4.76
2.5	0.79	5.62	0.68	8.56	0.56	7.59	0.36	8.17	0.35	5.44
3	1.03	6.87	0.89	10.04	0.67	9.49	0.48	8.75	0.47	7.14
3.5	1.12	8.13	1.07	11.79	0.81	10.27	0.54	9.70	0.58	7.82
4	1.31	8.72	1.26	13.54	0.91	11.50	0.65	11.60	0.65	8.50
4.5	1.39	9.05	1.35	14.36	0.94	11.72	0.68	11.98	0.65	8.50
5	1.73	11.32	1.70	18.32	1.15	14.29	0.86	14.07	0.76	9.18
5.5	2.00	12.24	2.04	20.99	1.38	16.52	1.01	16.16	0.81	10.54
6	2.29	14.33	2.30	23.11	1.58	18.53	1.17	18.06	0.90	10.88
6.5	2.46	14.92	2.46	24.31	1.66	19.42	1.24	18.82	0.99	11.90
7	2.85	16.18	2.73	26.61	1.90	21.43	1.37	20.72	1.04	12.59
7.5	2.96	17.35	2.86	27.72	1.97	22.32	1.42	21.86	1.07	12.59
8	3.22	19.03	3.13	29.83	2.16	24.78	1.53	22.81	1.22	14.63
8.5	3.33	19.20	3.24	30.48	2.30	25.22	1.64	23.57	1.26	15.31
9	3.51	20.29	3.43	31.49	2.40	26.45	1.75	24.14	1.33	15.31
9.5	3.67	21.21	3.62	33.24	2.55	26.90	1.83	25.29	1.41	15.65
10	3.95	22.38	3.79	33.89	2.70	27.68	1.94	25.67	1.47	15.99
10.5	4.10	22.88	3.95	34.81	2.81	29.13	2.01	26.62	1.56	16.33
11	4.33	23.72	4.21	36.00	2.97	30.36	2.21	27.76	1.67	16.33
11.5	4.59	24.14	4.44	37.11	3.18	32.14	2.34	29.28	1.72	16.67
12	4.88	25.57	4.92	38.95	3.60	35.04	2.73	30.80	1.97	18.37
12.5	5.01	26.40	5.22	40.06	4.02	35.94	3.01	31.94	2.08	19.39
13	5.45	26.99	5.58	41.16	4.45	38.06	3.39	33.46	2.37	21.09
13.5	5.62	27.49	5.87	41.71	4.75	39.51	3.58	34.03	2.50	23.13
14	6.00	28.75	6.23	43.00	5.14	40.63	3.91	35.93	2.78	25.17
14.5	6.24	30.09	6.51	43.74	5.31	41.63	4.12	36.88	2.90	25.17
15	6.58	31.01	6.97	44.57	5.65	43.19	4.49	39.16	3.07	28.23
15.5	6.90	32.10	7.20	45.40	5.86	43.75	4.66	39.73	3.24	28.91
16	7.14	32.52	7.62	47.79	6.29	44.75	4.93	41.44	3.46	29.59
16.5	7.45	33.36	8.05	48.43	6.60	45.98	5.19	42.21	3.71	30.27
17	7.82	33.95	8.51	49.45	6.99	46.65	5.42	42.78	3.89	30.61
17.5	7.98	34.70	8.87	50.46	7.21	47.66	5.66	44.30	4.05	30.61
18	8.37	35.54	9.25	51.84	7.64	48.10	5.93	45.63	4.22	33.67
18.5	8.60	36.13	9.60	52.21	8.01	49.00	6.13	46.39	4.40	34.35
19	8.94	36.80	10.16	52.95	8.42	49.22	6.45	47.91	4.56	35.03
19.5	9.28	37.30	10.45	53.04	8.64	50.11	6.65	48.29	4.70	35.03
20	9.86	39.31	10.98	55.06	8.94	51.34	7.11	49.81	4.92	36.39
20.5	10.23	39.65	11.26	55.62	9.17	52.12	7.27	50.57	5.17	36.73
21	10.78	41.66	11.60	56.35	9.55	53.57	7.60	51.14	5.38	37.42
21.5	11.00	42.16	11.84	57.00	9.78	54.13	7.84	51.71	5.50	38.78
22	11.35	43.50	12.29	57.37	10.18	55.02	8.21	52.85	5.72	39.12
22.5	11.56	44.26	12.68	57.92	10.52	56.47	8.44	53.80	5.89	39.12
23	11.98	45.18	13.23	59.21	10.93	57.25	8.80	54.56	6.25	39.80
23.5	12.39	46.19	13.68	60.77	11.29	58.04	9.07	55.32	6.46	41.50
24	13.36	47.19	14.49	62.71	12.09	59.38	9.46	57.03	6.87	42.18
24.5	13.97	48.53	14.93	63.35	12.56	59.82	9.80	58.56	7.17	42.18
25	14.83	51.22	15.54	64.55	13.06	60.83	10.20	59.70	7.63	43.20
25.5	15.39	52.64	15.96	65.56	13.40	62.50	10.55	60.08	7.88	43.20
26	16.19	53.90	16.61	66.85	13.97	63.28	11.08	61.60	8.21	43.54
26.5	16.87	54.48	17.23	67.40	14.43	64.96	11.50	62.36	8.48	44.56
27	18.05	56.24	18.25	68.60	15.31	66.07	12.18	64.26	8.96	46.26
27.5	18.61	58.01	18.69	69.24	15.81	67.41	12.54	64.64	9.22	46.26
28	19.99	59.93	19.57	70.17	16.67	67.86	13.16	65.59	9.63	46.94
28.5	20.85	61.44	20.02	71.27	17.17	69.42	13.69	66.54	9.89	46.94
29	22.04	63.54	21.05	72.47	18.16	70.65	14.42	66.92	10.42	50.68
29.5	23.07	64.38	21.59	72.93	18.56	71.32	14.94	68.06	10.69	50.68
30	24.04	66.14	22.40	73.48	19.21	72.43	15.61	68.82	11.10	52.04
30.5	24.52	66.72	23.03	73.94	19.65	72.77	16.07	69.20	11.48	52.72
31	25.55	67.64	24.10	75.41	20.49	74.11	16.72	71.10	11.99	54.76
31.5	26.50	68.57	24.78	75.78	20.91	74.33	17.19	71.86	12.35	55.78
32	27.38	69.49	25.55	77.81	21.62	75.00	17.79	73.57	12.82	56.12
32.5	28.32	69.66	26.24	78.73	22.28	76.34	18.43	74.52	13.19	56.80
33	29.36	70.83	27.19	79.56	22.99	77.01	19.03	75.10	13.68	57.48
33.5	29.98	71.33	27.78	80.20	23.47	77.46	19.56	76.62	14.12	58.84
34	31.16	72.51	28.65	81.77	24.21	79.13	20.32	77.76	14.79	62.24
34.5	32.19	73.68	29.33	81.95	24.87	80.02	20.83	78.33	15.27	62.93
35	33.78	74.43	30.34	83.52	25.89	80.92	21.70	78.52	16.13	64.97
35.5	34.21	75.02	30.78	83.70	26.22	81.81	22.05	79.85	16.37	64.97
36	35.82	76.19	32.01	84.71	27.30	82.81	23.01	81.18	16.87	65.65
36.5	36.33	76.36	32.41	84.90	27.71	83.15	23.43	81.75	17.06	65.65
37	37.74	77.28	33.72	86.19	29.04	84.15	24.64	82.32	17.85	66.67
37.5	38.52	78.21	34.15	86.65	29.45	84.26	25.01	82.51	18.25	67.01
38	40.22	79.30	35.47	87.29	30.59	84.93	25.93	84.03	19.03	67.69
38.5	40.75	79.72	35.88	87.57	31.08	84.93	26.32	84.03	19.38	67.69
39	42.30	81.31	36.85	89.04	32.06	85.16	27.10	85.55	19.99	68.37
39.5	42.78	81.48	37.25	89.50	32.43	85.27	27.51	85.55	20.21	68.37
40	43.99	82.15	37.95	89.87	33.15	86.05	28.27	86.69	20.52	70.07
40.5	44.72	82.73	38.60	90.15	33.85	86.50	28.95	87.07	20.97	71.77
41	45.88	83.24	39.45	90.52	34.75	87.39	29.90	87.64	21.52	72.79
41.5	46.48	83.32	39.75	90.61	35.18	87.50	30.22	87.83	21.89	73.81
42	47.73	84.33	40.77	91.44	36.13	88.28	31.16	88.21	22.61	74.49
42.5	48.59	84.66	41.45	92.36	36.70	89.40	31.83	88.59	22.97	76.87
43	49.85	85.33	42.28	92.73	37.65	90.07	32.76	88.78	23.52	77.55
43.5	50.49	85.83	42.93	92.82	38.34	90.51	33.46	88.97	23.86	78.23
44	52.09	86.67	43.98	93.00	39.23	91.18	34.37	88.97	24.41	78.57
44.5	52.92	87.59	44.86	93.28	40.09	91.41	35.17	89.54	24.92	79.25
45	54.00	87.93	45.55	93.55	40.79	92.19	35.86	89.73	25.34	79.93
45.5	54.84	88.60	46.45	93.55	41.54	92.41	36.62	90.11	25.96	80.27
46	55.72	88.77	47.29	93.83	42.32	92.97	37.59	91.06	26.61	81.97
46.5	56.35	89.02	47.84	94.01	42.90	93.08	38.22	91.64	26.94	82.31
47	57.89	89.94	48.92	94.66	43.89	93.30	39.20	92.02	27.98	82.99
47.5	58.54	90.11	49.36	94.75	44.32	93.42	39.76	92.02	28.42	82.99
48	59.82	90.70	50.31	95.03	45.36	93.75	40.74	92.97	29.08	83.67
48.5	60.45	90.86	50.72	95.21	45.87	93.75	41.24	93.16	29.52	83.67
49	61.35	91.37	51.22	95.21	46.46	94.20	41.81	93.54	29.95	83.67
49.5	62.48	91.70	51.84	95.30	47.05	94.31	42.28	93.54	30.48	84.01
50	63.56	92.20	52.63	95.67	47.80	94.53	42.94	93.54	31.14	84.01
50.5	64.11	92.20	53.04	95.67	48.13	94.75	43.40	93.54	31.53	84.69
51	65.68	92.62	53.87	95.76	48.91	95.09	44.18	93.54	32.16	85.37
51.5	66.81	92.88	54.56	95.95	49.53	95.20	44.70	93.92	32.54	85.71
52	67.93	93.55	55.62	96.22	50.32	95.31	45.47	93.92	33.16	85.71
52.5	68.80	93.88	56.39	96.32	50.95	95.31	45.96	93.92	33.47	85.71
53	69.75	94.05	57.19	96.59	51.66	95.42	46.71	93.92	34.11	86.39
53.5	71.00	94.80	57.94	96.59	52.29	95.54	47.42	94.11	34.71	87.07
54	72.23	95.22	58.81	96.96	53.06	95.65	48.19	94.49	35.31	87.42
54.5	72.87	95.31	59.29	96.96	53.63	95.87	48.61	94.68	35.58	87.76
55	74.47	96.06	60.30	97.15	54.64	96.09	49.43	94.68	36.26	87.76
55.5	75.13	96.40	60.87	97.24	55.06	96.54	49.88	94.87	36.56	87.76
56	76.16	96.40	61.51	97.33	55.73	96.88	50.55	94.87	37.23	87.76
56.5	76.89	96.56	62.07	97.33	56.38	96.88	51.02	95.44	37.74	87.76
57	77.92	96.73	62.92	97.42	57.24	97.10	51.82	95.44	38.30	87.76
57.5	78.77	96.73	63.51	97.61	57.68	97.21	52.27	95.44	38.52	88.44
58	79.92	97.23	64.54	97.61	58.47	97.43	52.95	95.44	39.30	88.44
58.5	80.74	97.23	65.16	97.61	59.17	97.54	53.60	95.44	39.61	88.44
59	81.69	97.57	66.01	97.97	60.02	97.66	54.27	95.44	40.33	88.44
59.5	82.45	97.57	66.57	97.97	60.52	97.77	54.84	95.44	40.80	88.44
60	83.33	97.82	67.57	97.97	61.38	97.77	55.70	95.44	41.51	88.44
60.5	83.83	97.90	67.96	97.97	61.73	97.77	56.05	95.44	41.86	88.44
61	84.83	98.16	68.71	97.97	62.30	98.10	56.49	95.44	42.40	88.44
61.5	85.55	98.24	69.36	98.07	62.93	98.10	57.07	95.63	42.93	88.44
62	86.30	98.24	70.10	98.25	63.65	98.10	57.68	95.63	43.32	88.44
62.5	87.39	98.41	70.80	98.25	64.22	98.33	58.39	95.63	43.88	88.44
63	87.76	98.91	71.45	98.34	64.86	98.33	58.90	95.63	44.59	88.44
63.5	88.42	98.99	72.17	98.43	65.54	98.33	59.56	95.82	45.01	89.12
64	89.03	99.16	73.07	98.53	66.21	98.44	60.34	96.01	45.77	89.46
64.5	89.37	99.25	73.47	98.53	66.46	98.44	60.69	96.01	46.05	89.46
65	90.05	99.25	74.09	98.53	67.05	98.55	61.28	96.01	46.75	89.46
65.5	90.46	99.25	74.55	98.53	67.46	98.55	61.67	96.01	47.14	89.80
66	90.88	99.25	75.23	98.53	68.29	98.55	62.40	96.01	47.69	89.80
66.5	91.35	99.25	75.51	98.53	68.68	98.55	62.74	96.20	48.05	89.80
67	91.64	99.25	75.99	98.53	69.10	98.55	63.17	96.20	48.33	90.14
67.5	92.30	99.41	76.88	98.53	69.93	98.66	63.92	96.39	49.12	90.48
68	92.45	99.41	77.20	98.53	70.22	98.66	64.23	96.39	49.38	90.48
68.5	92.78	99.41	77.73	98.53	70.59	98.66	64.61	96.39	49.77	90.82
69	93.27	99.58	78.61	98.53	71.39	98.66	65.33	96.58	50.56	91.16
69.5	93.54	99.58	79.36	98.53	72.04	98.77	65.84	96.58	51.14	91.16
70	93.86	99.58	79.75	98.53	72.46	98.77	66.21	96.58	51.68	91.16
70.5	94.25	99.75	80.30	98.53	72.89	98.77	66.71	96.77	52.17	91.16
71	94.50	99.83	80.60	98.80	73.33	98.88	67.26	96.77	52.65	91.16
71.5	94.75	99.83	81.02	98.80	73.73	98.88	67.70	96.77	53.05	91.16
72	95.21	99.83	81.95	98.80	74.64	98.88	68.61	97.15	53.84	91.16
73	95.71	99.92	82.75	99.26	75.49	98.88	69.71	97.15	55.00	91.16
73.5	95.84	99.92	83.20	99.26	75.98	98.88	70.12	97.53	55.41	92.18
74	96.05	99.92	83.66	99.26	76.45	98.88	70.56	97.53	55.93	92.18
74.5	96.46	99.92	84.28	99.36	77.01	99.00	71.07	97.53	56.83	92.52
75	96.62	99.92	84.59	99.54	77.37	99.00	71.46	97.53	57.37	92.86
75.5	97.01	99.92	85.03	99.54	77.86	99.00	71.93	97.53	57.94	93.20
76	97.19	100.00	85.58	99.63	78.27	99.00	72.47	97.72	58.51	93.54
76.5	97.27	100.00	86.18	99.63	79.13	99.00	73.14	97.72	59.17	93.88
77	97.83	100.00	87.04	99.72	79.98	99.33	74.28	97.91	60.32	94.22
78	98.13	100.00	87.85	99.82	80.98	99.44	75.26	98.29	61.53	94.22
78.5	98.26	100.00	88.09	99.82	81.36	99.44	75.75	98.29	62.03	94.22
79	98.39	100.00	88.54	99.82	81.88	99.44	76.35	98.29	62.87	94.22
79.5	98.41	100.00	88.97	99.82	82.29	99.44	76.82	98.29	63.30	95.24
80	98.52	100.00	89.40	99.82	82.91	99.44	77.41	98.29	64.07	95.92
80.5	98.65	100.00	89.84	99.82	83.36	99.44	77.83	98.48	64.92	95.92
81	98.80	100.00	90.71	99.82	84.33	99.44	79.17	98.67	66.30	95.92
81.5	98.91	100.00	91.07	99.82	84.77	99.44	79.62	98.67	66.96	95.92
82	98.94	100.00	91.41	99.82	85.14	99.44	80.21	98.67	67.77	95.92
82.5	98.98	100.00	91.85	99.91	85.62	99.44	80.76	98.67	68.52	95.92
83	99.04	100.00	92.30	99.91	86.18	99.44	81.40	98.67	69.36	95.92
83.5	99.07	100.00	92.68	99.91	86.72	99.44	82.10	98.67	70.26	95.92
84	99.32	100.00	93.41	99.91	87.51	99.44	83.00	98.67	71.40	95.92
84.5	99.37	100.00	93.71	99.91	87.96	99.44	83.52	98.67	72.09	95.92
85	99.39	100.00	93.95	99.91	88.53	99.55	84.14	98.67	72.94	95.92
85.5	99.46	100.00	94.60	99.91	89.45	99.55	85.18	98.86	74.27	95.92
86	99.50	100.00	94.93	99.91	89.93	99.55	85.75	99.05	75.02	95.92
86.5	99.55	100.00	95.47	99.91	90.63	99.55	86.61	99.05	75.92	96.26
87	99.58	100.00	95.75	99.91	91.03	99.67	87.08	99.24	76.60	96.94
87.5	99.62	100.00	96.28	100.00	91.81	99.67	88.09	99.24	77.93	96.94
88	99.67	100.00	96.52	100.00	92.12	99.67	88.58	99.24	78.66	96.94
88.5	99.72	100.00	96.93	100.00	92.78	99.67	89.47	99.43	79.91	96.94
89	99.79	100.00	97.15	100.00	93.17	99.67	89.94	99.43	80.66	97.28
89.5	99.84	100.00	97.44	100.00	93.89	99.67	90.84	99.62	82.29	97.28
90	99.86	100.00	97.62	100.00	94.22	99.67	91.38	99.62	83.13	97.28
90.5	99.86	100.00	97.86	100.00	94.54	99.67	91.84	99.81	83.78	97.28
91	99.86	100.00	97.91	100.00	94.80	99.78	92.13	99.81	84.19	97.28
91.5	99.88	100.00	98.13	100.00	95.18	99.78	92.58	99.81	85.06	97.28
92	99.89	100.00	98.43	100.00	95.75	99.78	93.34	99.81	86.17	97.96
93	99.90	100.00	98.70	100.00	96.34	99.78	93.99	99.81	87.87	97.96
93.5	99.90	100.00	98.84	100.00	96.60	99.78	94.44	99.81	89.34	97.96
94	99.92	100.00	98.94	100.00	96.79	99.89	94.75	99.81	90.24	97.96
94.5	99.93	100.00	99.09	100.00	96.97	99.89	95.22	99.81	91.62	98.30
95	99.93	100.00	99.27	100.00	97.32	99.89	95.71	99.81	92.91	98.64
95.5	99.93	100.00	99.30	100.00	97.46	99.89	95.99	99.81	93.49	98.64
96	99.95	100.00	99.46	100.00	97.90	99.89	96.63	99.81	94.61	99.32
96.5	99.97	100.00	99.49	100.00	98.03	99.89	96.82	99.81	94.97	99.32
97	99.99	100.00	99.60	100.00	98.42	99.89	97.30	99.81	95.83	99.32
97.5	99.99	100.00	99.73	100.00	98.82	99.89	98.03	99.81	97.08	99.32
98	99.99	100.00	99.90	100.00	99.41	100.00	99.04	100.00	98.74	99.66
98.5	100.00	100.00	99.95	100.00	99.70	100.00	99.62	100.00	99.61	100.00
99	100.00	100.00	99.99	100.00	99.96	100.00	99.90	100.00	99.94	100.00
99.5	100.00	100.00	100.00	100.00	100.00	100.00	99.99	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.E. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
Modified New-Account Performance)
Marital status
Percent

Score	Married Male (Good)	Married Male (Bad)	Married Male (Good)	Married Male (Bad)	Married Female (Good)	Married Female (Bad)	Single Female (Good)	Single Female (Bad)
0	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.37
0.5	0.01	1.17	0.08	0.58	0.02	0.40	0.08	1.47
1	0.12	3.07	0.40	3.21	0.18	3.32	0.42	5.75
1.5	0.17	3.81	0.44	3.94	0.22	4.11	0.57	7.10
2	0.25	4.83	0.55	5.25	0.29	5.04	0.70	8.45
2.5	0.29	5.56	0.75	6.71	0.33	5.84	0.92	9.67
3	0.40	7.17	0.92	7.73	0.48	6.90	1.14	11.75
3.5	0.48	7.91	1.02	9.48	0.56	7.96	1.35	12.85
4	0.57	9.52	1.17	10.50	0.67	9.15	1.54	14.08
4.5	0.59	9.52	1.24	11.22	0.70	9.68	1.60	14.32
5	0.74	11.86	1.58	12.54	0.85	13.26	1.93	17.50
5.5	0.86	12.88	1.94	14.29	1.01	15.78	2.23	20.07
6	1.00	14.20	2.14	15.89	1.16	17.64	2.54	22.52
6.5	1.08	15.08	2.25	16.62	1.25	18.30	2.71	23.38
7	1.25	16.84	2.59	19.10	1.37	19.36	2.94	25.34
7.5	1.35	17.42	2.71	20.12	1.42	20.56	3.02	26.56
8	1.46	20.21	2.94	21.72	1.58	23.08	3.29	28.15
8.5	1.52	20.35	3.09	22.45	1.64	24.14	3.46	28.52
9	1.61	21.23	3.32	23.62	1.73	25.33	3.60	29.13
9.5	1.72	21.38	3.42	24.49	1.81	26.66	3.77	29.87
10	1.83	22.40	3.68	25.22	1.89	27.59	3.99	30.11
10.5	1.92	24.01	3.82	25.36	2.00	28.51	4.11	30.84
11	2.08	25.18	4.16	26.24	2.12	29.58	4.28	31.70
11.5	2.22	26.21	4.37	26.53	2.29	30.77	4.52	33.05
12	2.51	28.11	5.00	27.84	2.61	32.49	4.89	35.74
12.5	2.70	28.70	5.41	29.45	2.92	34.08	5.14	36.23
13	2.97	30.45	5.90	30.76	3.28	35.01	5.61	38.07
13.5	3.14	31.33	6.19	32.22	3.47	35.81	5.91	38.56
14	3.43	32.94	6.64	33.53	3.72	37.40	6.34	40.02
14.5	3.61	33.97	6.88	34.55	3.89	38.86	6.62	40.76
15	3.86	35.43	7.25	35.13	4.18	40.58	7.11	41.62
15.5	4.00	36.46	7.46	35.71	4.40	41.38	7.30	42.35
16	4.26	38.51	7.76	36.30	4.68	43.10	7.83	42.96
16.5	4.59	38.80	8.12	37.17	4.88	43.50	8.20	44.55
17	4.93	39.68	8.48	38.19	5.10	43.90	8.52	45.41
17.5	5.16	40.41	8.74	38.63	5.28	45.09	8.84	46.51
18	5.40	41.58	9.18	39.50	5.49	45.89	9.37	47.49
18.5	5.60	42.90	9.49	39.94	5.73	46.68	9.80	47.98
19	5.93	44.07	9.98	40.67	6.04	47.08	10.27	48.84
19.5	6.14	44.22	10.24	41.69	6.21	47.48	10.56	48.84
20	6.46	44.95	10.77	43.00	6.46	49.34	11.13	50.80
20.5	6.73	45.39	11.02	43.88	6.62	50.00	11.44	50.92
21	7.03	46.85	11.36	45.04	6.86	51.06	11.98	51.65
21.5	7.29	47.58	11.55	45.92	7.01	51.33	12.32	52.26
22	7.59	48.17	11.93	46.94	7.34	52.65	12.74	52.51
22.5	7.86	48.61	12.27	47.38	7.48	54.24	13.14	53.73
23	8.20	49.63	12.72	48.11	7.81	54.91	13.69	54.83
23.5	8.50	50.95	13.15	48.98	8.08	57.03	14.08	55.69
24	8.99	52.27	13.88	50.00	8.67	59.02	14.94	57.28
24.5	9.31	52.71	14.47	51.02	9.02	59.81	15.49	58.14
25	9.78	54.17	15.27	53.50	9.35	61.41	16.17	59.61
25.5	10.02	55.05	15.73	54.37	9.64	61.94	16.88	61.69
26	10.48	56.95	16.50	55.83	10.13	63.13	17.41	62.30
26.5	10.86	57.54	17.20	56.41	10.53	64.19	17.86	62.91
27	11.47	58.86	18.32	58.31	11.21	65.65	18.93	64.14
27.5	11.87	59.74	18.86	59.18	11.55	66.05	19.55	65.85
28	12.58	61.05	19.93	60.20	12.23	67.24	20.48	67.20
28.5	13.03	62.96	20.60	60.93	12.64	67.90	20.91	68.18
29	13.84	64.71	21.67	61.95	13.31	68.97	22.05	69.77
29.5	14.26	64.71	22.41	62.97	13.79	69.63	22.66	70.38
30	14.89	65.89	23.27	65.45	14.39	70.56	23.43	71.11
30.5	15.28	66.18	23.76	66.33	14.81	70.82	24.02	71.73
31	15.89	67.35	24.76	67.64	15.45	71.75	25.22	74.05
31.5	16.47	67.79	25.42	68.37	15.88	71.88	25.75	75.15
32	17.07	69.11	26.21	68.95	16.48	72.68	26.61	76.99
32.5	17.69	69.84	26.89	70.85	17.04	73.08	27.44	77.48
33	18.38	70.57	27.86	72.30	17.67	73.34	28.20	78.46
33.5	18.83	71.45	28.56	73.47	18.11	73.74	28.83	79.44
34	19.77	73.06	29.65	75.95	18.77	75.46	29.59	81.15
34.5	20.41	73.65	30.46	77.26	19.25	76.79	30.38	81.52
35	21.42	75.99	31.62	77.84	20.15	78.12	31.37	82.13
35.5	21.78	76.13	31.99	79.45	20.41	78.38	31.98	82.50
36	22.68	77.31	33.47	80.76	21.22	79.58	33.33	83.11
36.5	23.02	77.75	33.87	80.76	21.54	79.71	33.84	83.35
37	24.18	78.77	35.52	83.38	22.59	80.11	35.01	84.33
37.5	24.65	79.21	36.07	83.38	22.98	80.37	35.44	84.94
38	25.86	80.53	37.36	84.11	24.01	81.30	36.51	85.43
38.5	26.35	80.67	37.86	84.26	24.42	81.83	36.89	85.56
39	27.25	81.55	38.99	84.55	25.29	82.76	37.93	86.54
39.5	27.59	82.14	39.36	84.84	25.62	82.89	38.51	86.66
40	28.31	83.75	40.26	85.28	26.28	83.16	39.35	87.15
40.5	28.95	84.48	40.88	86.15	26.96	83.95	40.01	87.15
41	29.84	84.77	42.07	86.73	27.67	85.15	41.12	87.88
41.5	30.19	85.07	42.45	86.88	28.05	85.28	41.59	88.13
42	31.10	86.09	43.47	87.32	28.92	86.21	42.85	89.11
42.5	31.63	86.24	44.31	88.48	29.57	87.27	43.48	89.23
43	32.44	86.82	45.37	88.78	30.37	87.53	44.40	90.09
43.5	33.07	87.41	46.20	89.21	30.86	87.93	44.97	90.33
44	33.88	87.41	47.33	90.09	31.88	88.06	46.21	90.82
44.5	34.70	88.14	48.12	90.82	32.64	88.59	47.03	91.19
45	35.33	89.31	49.00	90.82	33.34	88.73	47.79	91.68
45.5	36.14	89.60	49.89	91.98	34.14	88.86	48.49	91.80
46	37.09	90.48	50.81	92.57	34.89	89.66	49.31	92.04
46.5	37.67	90.63	51.43	93.15	35.40	89.79	49.94	92.29
47	38.79	90.78	52.45	93.44	36.41	91.38	51.10	92.78
47.5	39.30	90.92	52.98	93.59	36.86	91.51	51.63	92.90
48	40.41	91.22	53.96	93.88	37.77	92.04	52.65	93.51
48.5	40.92	91.36	54.42	93.88	38.19	92.44	53.15	93.51
49	41.52	91.51	54.98	94.61	38.79	92.57	53.73	93.64
49.5	42.20	91.80	55.64	94.61	39.33	92.57	54.45	94.00
50	42.96	92.68	56.49	94.90	40.07	92.57	55.25	94.12
50.5	43.42	92.97	56.93	94.90	40.42	92.84	55.64	94.12
51	44.32	93.27	57.94	95.04	41.30	92.97	56.46	94.74
51.5	44.98	93.41	58.78	95.34	41.88	93.24	57.03	94.86
52	46.00	93.56	59.73	95.92	42.62	93.50	57.86	94.86
52.5	46.62	93.70	60.40	95.92	43.15	93.50	58.54	95.35
53	47.35	93.70	61.21	95.92	43.85	93.63	59.40	95.59
53.5	48.16	94.00	62.05	96.06	44.54	93.77	60.12	95.72
54	49.01	94.29	63.12	96.21	45.35	93.90	60.95	96.21
54.5	49.56	94.58	63.70	96.36	45.77	94.03	61.42	96.33
55	50.42	94.73	64.68	96.79	46.84	94.56	62.56	96.94
55.5	50.94	94.73	65.21	96.79	47.35	95.23	62.98	97.31
56	51.69	94.73	65.96	96.94	47.91	95.36	63.78	97.31
56.5	52.32	94.88	66.54	96.94	48.48	95.62	64.37	97.31
57	53.22	95.17	67.53	97.08	49.40	95.76	64.97	97.31
57.5	53.69	95.17	68.13	97.38	49.93	95.89	65.42	97.31
58	54.60	95.61	69.22	97.38	50.78	96.02	66.13	97.31
58.5	55.31	95.61	69.81	97.38	51.45	96.15	66.62	97.31
59	56.29	95.75	70.76	97.67	52.07	96.29	67.32	97.43
59.5	56.94	95.75	71.17	97.67	52.59	96.29	67.94	97.43
60	57.84	95.75	71.90	97.67	53.53	96.29	68.84	97.55
60.5	58.23	95.90	72.17	97.67	53.89	96.29	69.26	97.55
61	58.92	96.34	72.82	97.81	54.54	96.29	69.70	97.55
61.5	59.50	96.34	73.32	97.81	55.24	96.42	70.19	97.55
62	60.21	96.63	73.94	97.81	55.90	96.42	70.92	97.55
62.5	60.88	96.63	74.63	97.81	56.66	96.55	71.60	97.67
63	61.53	96.63	75.18	97.81	57.28	96.55	72.10	97.67
63.5	62.31	96.78	75.76	97.96	57.97	96.68	72.70	97.67
64	63.10	97.22	76.32	97.96	58.88	96.68	73.29	97.92
64.5	63.47	97.36	76.72	97.96	59.18	96.68	73.57	97.92
65	64.11	97.51	77.38	97.96	59.87	96.68	74.11	97.92
65.5	64.68	97.51	77.77	97.96	60.24	96.68	74.37	98.04
66	65.46	97.51	78.53	97.96	60.93	96.68	74.88	98.04
66.5	65.88	97.51	78.78	97.96	61.30	96.68	75.22	98.16
67	66.44	97.51	79.11	97.96	61.67	96.68	75.52	98.16
67.5	67.36	97.51	79.76	98.11	62.46	96.82	76.24	98.41
68	67.66	97.51	80.04	98.11	62.74	96.82	76.49	98.41
68.5	68.10	97.51	80.30	98.11	63.19	96.95	76.85	98.41
69	69.08	97.95	80.91	98.11	63.92	97.08	77.54	98.41
69.5	69.71	97.95	81.43	98.11	64.53	97.08	78.07	98.41
70	70.11	97.95	81.77	98.11	65.04	97.08	78.48	98.41
70.5	70.68	97.95	82.11	98.25	65.57	97.08	78.82	98.65
71	71.14	97.95	82.49	98.40	66.04	97.08	79.17	98.65
71.5	71.65	97.95	82.81	98.40	66.46	97.08	79.45	98.65
72	72.60	97.95	83.42	98.54	67.49	97.21	80.07	98.65
73	73.61	98.10	84.31	98.69	68.50	97.21	80.73	99.14
73.5	73.97	98.10	84.60	98.98	69.05	97.35	81.10	99.14
74	74.48	98.10	84.94	98.98	69.56	97.35	81.39	99.14
74.5	75.07	98.54	85.51	98.98	70.28	97.35	81.78	99.14
75	75.47	98.54	85.76	98.98	70.65	97.48	82.13	99.14
75.5	75.99	98.54	86.13	99.13	71.23	97.48	82.42	99.14
76	76.53	98.54	86.63	99.27	71.74	97.75	82.72	99.14
76.5	77.25	98.54	87.14	99.27	72.52	97.75	83.21	99.27
77	78.13	98.54	87.91	99.27	73.65	98.14	84.13	99.27
78	79.19	98.54	88.57	99.56	74.69	98.41	84.75	99.27
78.5	79.61	98.54	88.76	99.56	75.16	98.41	84.97	99.27
79	80.19	98.54	89.07	99.56	75.77	98.41	85.43	99.27
79.5	80.61	98.54	89.30	99.56	76.28	98.81	85.73	99.27
80	81.20	98.54	89.61	99.71	76.95	98.94	86.14	99.27
80.5	81.68	98.68	89.90	99.71	77.53	98.94	86.52	99.27
81	82.71	98.83	90.66	99.71	78.76	98.94	87.38	99.27
81.5	83.22	98.83	90.83	99.71	79.29	98.94	87.64	99.27
82	83.69	98.83	91.14	99.71	79.78	98.94	88.07	99.27
82.5	84.23	98.98	91.53	99.71	80.28	98.94	88.43	99.27
83	84.76	98.98	91.80	99.71	80.94	98.94	88.97	99.27
83.5	85.33	98.98	92.08	99.71	81.58	98.94	89.49	99.27
84	86.24	98.98	92.58	99.71	82.59	98.94	90.14	99.27
84.5	86.72	98.98	92.97	99.71	83.11	98.94	90.40	99.27
85	87.25	98.98	93.25	99.71	83.74	99.07	90.74	99.27
85.5	88.12	98.98	93.67	99.85	84.77	99.07	91.49	99.27
86	88.71	99.12	93.95	99.85	85.30	99.07	91.74	99.27
86.5	89.53	99.27	94.31	99.85	86.10	99.07	92.25	99.27
87	90.04	99.27	94.59	100.00	86.54	99.07	92.53	99.51
87.5	90.83	99.27	95.05	100.00	87.57	99.07	93.16	99.63
88	91.23	99.27	95.25	100.00	88.02	99.07	93.55	99.63
88.5	91.90	99.27	95.62	100.00	88.94	99.20	94.11	99.63
89	92.34	99.27	95.78	100.00	89.37	99.34	94.45	99.63
89.5	93.08	99.27	96.14	100.00	90.32	99.47	95.10	99.63
90	93.47	99.27	96.30	100.00	90.84	99.47	95.46	99.63
90.5	93.83	99.27	96.46	100.00	91.34	99.60	95.68	99.63
91	94.09	99.41	96.62	100.00	91.61	99.60	95.83	99.63
91.5	94.41	99.41	96.86	100.00	92.17	99.60	96.15	99.63
92	95.04	99.56	97.20	100.00	92.84	99.60	96.58	99.63
93	95.66	99.56	97.56	100.00	93.63	99.60	97.13	99.63
93.5	96.05	99.56	97.77	100.00	94.17	99.60	97.51	99.63
94	96.30	99.71	97.91	100.00	94.53	99.60	97.74	99.63
94.5	96.68	99.71	98.18	100.00	95.05	99.73	98.02	99.63
95	97.10	99.71	98.34	100.00	95.71	99.73	98.36	99.76
95.5	97.31	99.71	98.45	100.00	95.98	99.73	98.46	99.76
96	97.78	99.71	98.79	100.00	96.65	99.87	98.72	99.88
96.5	97.90	99.71	98.85	100.00	96.87	99.87	98.77	99.88
97	98.21	99.71	99.09	100.00	97.47	99.87	98.99	99.88
97.5	98.71	99.71	99.39	100.00	98.14	99.87	99.34	99.88
98	99.43	99.85	99.71	100.00	99.07	100.00	99.72	100.00
98.5	99.81	100.00	99.91	100.00	99.58	100.00	99.85	100.00
99	99.97	100.00	99.99	100.00	99.91	100.00	99.98	100.00
99.5	100.00	100.00	99.99	100.00	99.99	100.00	99.99	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.E. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
Modified New-Account Performance)
Income ratio of tract
Percent

Score	Low (Good)	Low (Bad)	Moderate (Good)	Moderate (Bad)	Middle (Good)	Middle (Bad)	High (Good))	High (Bad)
0	0.00	0.00	0.01	0.26	0.00	0.09	0.00	0.00
0.5	0.16	1.63	0.07	1.05	0.03	0.93	0.02	0.29
1	0.95	4.47	0.54	5.26	0.24	3.35	0.15	2.50
1.5	1.11	5.28	0.65	6.40	0.31	4.10	0.17	3.08
2	1.15	6.50	0.78	7.71	0.42	5.31	0.24	4.11
2.5	1.55	9.35	0.95	8.50	0.53	6.42	0.30	5.14
3	1.82	11.38	1.28	10.25	0.68	7.59	0.36	6.02
3.5	2.10	13.82	1.49	11.92	0.80	8.52	0.41	6.61
4	2.34	17.07	1.76	12.80	0.92	9.40	0.48	8.52
4.5	2.46	18.29	1.86	13.41	0.97	9.73	0.49	8.96
5	3.05	20.73	2.18	16.39	1.24	12.10	0.61	11.75
5.5	3.53	21.95	2.57	18.76	1.47	13.92	0.71	13.07
6	4.16	24.39	2.90	21.30	1.69	15.69	0.82	13.66
6.5	4.44	24.39	3.12	22.17	1.79	16.53	0.88	14.83
7	5.04	25.61	3.47	24.36	2.01	18.06	0.99	16.15
7.5	5.12	26.83	3.59	25.24	2.10	19.32	1.04	16.30
8	5.59	29.27	3.98	27.26	2.29	21.23	1.14	17.77
8.5	5.59	29.67	4.18	27.70	2.41	21.79	1.17	17.91
9	5.87	30.08	4.43	28.57	2.54	22.81	1.23	18.65
9.5	6.30	30.49	4.66	29.97	2.68	23.88	1.29	19.24
10	6.58	31.71	4.94	31.11	2.85	24.44	1.34	19.68
10.5	6.70	31.71	5.11	31.99	2.99	25.42	1.40	20.26
11	6.94	33.33	5.36	33.13	3.23	26.12	1.48	21.59
11.5	7.34	34.55	5.63	33.74	3.42	27.37	1.58	23.05
12	8.09	37.40	6.26	36.02	3.84	28.77	1.79	25.26
12.5	8.56	38.62	6.70	36.55	4.11	29.84	1.97	26.43
13	9.00	39.43	7.35	37.86	4.50	31.15	2.22	27.75
13.5	9.16	39.84	7.72	38.65	4.71	31.94	2.38	28.78
14	9.64	39.84	8.45	41.02	5.02	33.10	2.62	29.81
14.5	9.91	40.24	8.88	41.54	5.21	34.59	2.73	30.54
15	10.67	42.28	9.47	43.03	5.59	35.89	2.90	31.86
15.5	10.94	42.28	9.75	44.08	5.85	36.45	3.03	33.04
16	11.42	43.09	10.26	45.22	6.20	37.94	3.24	33.77
16.5	11.74	43.50	10.83	46.10	6.50	38.55	3.44	35.24
17	12.33	44.31	11.27	47.33	6.86	39.15	3.68	35.54
17.5	12.77	46.75	11.62	47.85	7.08	39.94	3.86	36.86
18	13.12	47.56	12.14	48.99	7.44	41.11	4.08	37.89
18.5	13.60	47.97	12.41	49.43	7.75	41.76	4.31	38.62
19	14.08	48.37	12.95	50.04	8.15	42.83	4.57	38.77
19.5	14.55	48.78	13.32	50.48	8.37	43.20	4.74	39.50
20	15.27	50.81	14.04	52.94	8.85	44.83	4.96	40.68
20.5	15.58	51.22	14.41	53.46	9.09	45.30	5.16	41.70
21	16.02	52.03	15.04	55.13	9.45	46.37	5.40	43.17
21.5	16.34	54.47	15.24	55.65	9.72	47.02	5.60	43.32
22	16.93	54.88	15.82	56.62	10.08	48.18	5.89	43.76
22.5	17.37	57.32	16.18	57.58	10.42	48.84	6.02	44.05
23	18.20	59.35	16.76	58.63	10.91	49.77	6.24	44.64
23.5	18.83	61.38	17.31	59.42	11.27	51.02	6.44	45.52
24	19.67	62.20	18.39	60.82	11.98	52.19	6.84	47.87
24.5	20.38	62.60	18.99	61.61	12.44	53.26	7.14	48.75
25	21.53	63.01	19.81	63.63	13.06	54.98	7.42	49.34
25.5	22.28	65.04	20.42	64.15	13.43	56.10	7.70	50.95
26	23.43	66.26	21.30	65.03	14.02	57.03	8.07	52.86
26.5	24.19	68.70	22.06	65.82	14.53	57.91	8.42	53.16
27	26.05	70.73	23.30	67.40	15.33	59.54	9.09	53.74
27.5	26.88	71.95	24.07	68.19	15.79	60.66	9.31	54.77
28	28.11	74.39	25.45	69.06	16.63	61.64	9.86	55.95
28.5	28.95	74.39	26.18	70.20	17.19	62.85	10.16	57.71
29	30.17	75.20	27.38	72.13	18.14	64.29	10.88	59.32
29.5	30.85	75.61	27.95	72.74	18.77	65.18	11.25	59.47
30	31.96	76.02	28.78	73.53	19.55	66.39	11.85	61.23
30.5	32.71	76.02	29.34	73.62	20.05	67.09	12.24	61.82
31	34.42	77.24	30.35	74.93	20.90	68.30	12.91	63.58
31.5	34.97	77.64	31.11	75.55	21.46	69.04	13.38	64.02
32	35.73	80.08	32.04	77.30	22.15	69.79	13.97	65.20
32.5	36.60	80.08	33.11	78.35	22.81	70.53	14.50	66.08
33	37.47	80.08	33.99	78.79	23.60	71.83	15.15	67.11
33.5	37.91	81.30	34.68	79.49	24.15	72.53	15.59	67.69
34	38.90	82.11	35.75	80.81	25.00	74.49	16.30	68.72
34.5	39.69	82.11	36.65	81.33	25.68	75.28	16.79	69.90
35	41.59	82.11	37.88	82.38	26.68	76.30	17.82	71.22
35.5	42.19	82.52	38.31	82.82	27.06	76.77	18.10	72.25
36	43.30	82.93	39.56	84.05	28.21	78.07	19.03	72.54
36.5	43.85	82.93	40.01	84.05	28.65	78.40	19.33	73.27
37	45.64	82.93	41.45	85.28	29.94	79.52	20.31	73.86
37.5	46.07	82.93	41.93	85.89	30.41	80.03	20.74	74.30
38	47.58	83.33	43.21	86.68	31.62	80.87	21.78	75.48
38.5	48.22	83.33	43.62	86.85	32.01	81.10	22.27	75.77
39	49.37	84.15	44.70	87.38	33.01	82.64	23.19	77.09
39.5	50.08	84.15	45.16	87.38	33.38	82.96	23.53	77.24
40	51.43	84.96	46.06	87.99	34.16	84.03	24.13	77.39
40.5	52.18	85.77	46.78	87.99	34.80	84.68	24.79	78.41
41	53.61	86.18	47.86	88.34	35.64	85.20	25.64	79.59
41.5	54.16	86.59	48.18	88.43	36.05	85.34	26.06	80.03
42	55.91	87.80	49.21	88.96	37.05	85.80	26.97	81.94
42.5	56.94	89.84	49.93	89.66	37.66	86.41	27.57	83.11
43	58.41	90.24	50.83	90.18	38.58	87.06	28.45	83.26
43.5	58.84	90.65	51.50	90.45	39.23	87.57	29.02	83.26
44	60.47	91.06	52.44	90.89	40.20	88.13	30.06	83.85
44.5	61.14	91.06	53.21	91.59	41.04	88.73	30.81	84.58
45	62.13	92.28	54.13	91.85	41.75	89.20	31.49	84.88
45.5	62.69	92.68	54.88	92.02	42.57	89.39	32.23	85.90
46	64.04	93.09	55.81	92.55	43.44	89.99	32.97	86.34
46.5	64.31	93.09	56.38	92.73	43.99	90.22	33.56	86.78
47	66.02	93.50	57.57	94.57	45.04	90.74	34.65	86.93
47.5	66.46	93.50	57.99	94.65	45.46	90.83	35.30	87.08
48	67.33	94.31	58.84	94.92	46.55	91.48	36.22	87.52
48.5	67.61	94.31	59.42	95.00	47.00	91.62	36.80	87.67
49	68.20	94.31	59.89	95.53	47.64	91.90	37.39	87.67
49.5	68.32	94.31	60.44	95.62	48.38	92.09	37.96	87.96
50	69.27	94.72	61.26	95.71	49.14	92.46	38.78	88.69
50.5	69.75	94.72	61.66	95.71	49.56	92.64	39.21	88.69
51	70.62	94.72	62.42	95.88	50.54	93.02	40.04	88.99
51.5	70.78	94.72	63.01	95.97	51.21	93.25	40.78	89.43
52	71.45	94.72	63.78	95.97	52.08	93.62	41.75	90.31
52.5	72.56	94.72	64.35	95.97	52.70	93.90	42.43	90.31
53	72.72	95.94	65.15	96.06	53.49	94.04	43.24	90.60
53.5	73.87	95.94	65.98	96.41	54.30	94.51	43.92	90.60
54	74.86	96.34	66.80	96.49	55.19	94.93	44.79	91.04
54.5	75.02	96.34	67.26	96.49	55.66	95.07	45.35	91.48
55	75.85	97.15	68.40	97.02	56.62	95.20	46.45	91.92
55.5	76.29	97.15	68.86	97.11	57.12	95.39	46.93	92.66
56	76.92	97.15	69.55	97.11	57.86	95.48	47.74	92.95
56.5	77.60	97.15	70.03	97.28	58.46	95.62	48.31	92.95
57	78.19	97.15	70.82	97.28	59.26	95.72	49.25	93.54
57.5	78.47	97.15	71.18	97.37	59.75	95.86	49.86	93.69
58	78.98	97.97	71.86	97.72	60.63	95.86	50.85	94.57
58.5	79.82	98.37	72.43	97.72	61.26	95.86	51.53	94.71
59	80.61	98.37	73.06	97.98	62.05	96.09	52.44	94.86
59.5	81.09	98.37	73.46	98.07	62.63	96.09	53.07	94.86
60	81.68	98.37	74.20	98.25	63.53	96.09	54.02	95.01
60.5	81.92	98.37	74.50	98.25	63.96	96.28	54.40	95.01
61	82.47	98.78	75.15	98.33	64.57	96.51	55.11	95.01
61.5	82.99	98.78	75.68	98.51	65.18	96.55	55.83	95.15
62	83.94	98.78	76.21	98.51	65.81	96.60	56.65	95.45
62.5	84.77	99.19	76.81	98.51	66.56	96.69	57.35	95.74
63	85.25	99.19	77.31	98.60	67.10	96.97	58.05	95.74
63.5	85.49	99.19	77.85	98.60	67.75	97.21	58.88	95.74
64	85.92	99.19	78.48	98.77	68.50	97.35	59.79	96.04
64.5	86.24	99.19	78.84	98.77	68.78	97.35	60.19	96.18
65	86.48	99.19	79.42	98.77	69.40	97.39	60.93	96.33
65.5	86.60	99.19	79.75	98.86	69.78	97.44	61.45	96.33
66	86.95	99.19	80.23	98.86	70.49	97.44	62.23	96.48
66.5	87.23	99.19	80.62	98.86	70.84	97.49	62.60	96.48
67	87.39	99.19	80.97	98.86	71.24	97.53	63.05	96.48
67.5	88.14	99.59	81.58	98.86	72.07	97.77	63.94	96.62
68	88.34	99.59	81.80	98.86	72.37	97.77	64.20	96.62
68.5	88.58	99.59	82.03	98.86	72.74	97.81	64.73	96.62
69	88.70	99.59	82.61	98.86	73.49	97.91	65.64	96.92
69.5	88.90	100.00	83.13	98.86	73.99	97.91	66.36	96.92
70	89.18	100.00	83.53	98.86	74.38	97.91	66.82	96.92
70.5	89.61	100.00	83.88	99.04	74.84	97.95	67.34	96.92
71	89.89	100.00	84.20	99.21	75.26	98.18	67.79	96.92
71.5	90.05	100.00	84.45	99.21	75.67	98.18	68.28	96.92
72	90.56	100.00	84.98	99.21	76.43	98.28	69.37	96.92
73	91.12	100.00	85.55	99.21	77.31	98.28	70.45	97.80
73.5	91.24	100.00	85.82	99.30	77.73	98.42	70.91	97.94
74	91.63	100.00	86.08	99.30	78.15	98.42	71.43	97.94
74.5	91.99	100.00	86.48	99.39	78.68	98.46	72.15	98.09
75	92.39	100.00	86.80	99.56	79.03	98.51	72.53	98.09
75.5	92.82	100.00	87.13	99.65	79.50	98.51	73.04	98.09
76	93.14	100.00	87.39	99.74	79.94	98.65	73.59	98.09
76.5	93.62	100.00	87.74	99.74	80.52	98.70	74.37	98.09
77	94.25	100.00	88.37	99.74	81.43	98.88	75.47	98.38
78	94.45	100.00	89.09	99.74	82.24	99.07	76.55	98.38
78.5	94.49	100.00	89.29	99.74	82.60	99.07	76.95	98.38
79	94.57	100.00	89.62	99.74	83.12	99.07	77.55	98.38
79.5	94.73	100.00	89.86	99.74	83.52	99.21	77.93	98.38
80	95.12	100.00	90.16	99.82	84.03	99.26	78.52	98.38
80.5	95.16	100.00	90.43	99.82	84.43	99.26	79.12	98.53
81	95.72	100.00	91.17	99.82	85.32	99.30	80.27	98.53
81.5	95.88	100.00	91.34	99.82	85.74	99.30	80.75	98.53
82	95.92	100.00	91.66	99.82	86.16	99.30	81.21	98.53
82.5	96.00	100.00	91.96	99.82	86.64	99.35	81.69	98.53
83	96.23	100.00	92.25	99.82	87.15	99.35	82.33	98.53
83.5	96.31	100.00	92.54	99.82	87.67	99.39	82.94	98.53
84	96.39	100.00	92.95	99.82	88.41	99.39	83.92	98.53
84.5	96.51	100.00	93.25	99.82	88.80	99.39	84.37	98.53
85	96.63	100.00	93.53	99.82	89.27	99.39	84.89	98.68
85.5	96.75	100.00	94.03	99.91	90.04	99.39	85.91	98.68
86	96.75	100.00	94.26	100.00	90.49	99.39	86.42	98.68
86.5	97.18	100.00	94.68	100.00	91.06	99.44	87.23	98.68
87	97.22	100.00	94.80	100.00	91.38	99.53	87.80	98.97
87.5	97.34	100.00	95.16	100.00	92.04	99.53	88.80	99.12
88	97.34	100.00	95.33	100.00	92.37	99.53	89.26	99.12
88.5	97.46	100.00	95.68	100.00	93.00	99.58	90.04	99.12
89	97.58	100.00	95.84	100.00	93.33	99.63	90.55	99.12
89.5	97.78	100.00	96.29	100.00	93.98	99.67	91.36	99.12
90	97.86	100.00	96.57	100.00	94.26	99.67	91.89	99.12
90.5	97.98	100.00	96.80	100.00	94.54	99.67	92.35	99.27
91	97.98	100.00	96.91	100.00	94.72	99.72	92.61	99.27
91.5	98.06	100.00	97.10	100.00	95.09	99.72	93.05	99.27
92	98.37	100.00	97.33	100.00	95.56	99.77	93.81	99.41
93	98.61	100.00	97.65	100.00	96.11	99.77	94.53	99.41
93.5	98.93	100.00	97.85	100.00	96.46	99.77	95.04	99.41
94	99.13	100.00	98.04	100.00	96.71	99.81	95.33	99.41
94.5	99.29	100.00	98.30	100.00	97.08	99.86	95.76	99.41
95	99.33	100.00	98.57	100.00	97.44	99.91	96.32	99.41
95.5	99.52	100.00	98.66	100.00	97.60	99.91	96.56	99.41
96	99.56	100.00	98.86	100.00	98.00	99.95	97.19	99.56
96.5	99.56	100.00	98.96	100.00	98.12	99.95	97.35	99.56
97	99.68	100.00	99.10	100.00	98.47	99.95	97.80	99.56
97.5	99.80	100.00	99.39	100.00	98.92	99.95	98.35	99.56
98	99.96	100.00	99.72	100.00	99.49	99.95	99.22	100.00
98.5	99.96	100.00	99.91	100.00	99.78	100.00	99.70	100.00
99	100.00	100.00	100.00	100.00	99.96	100.00	99.93	100.00
99.5	100.00	100.00	100.00	100.00	100.00	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Return to figure

---