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

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

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Tables for Figures 8.-9.

Figure 8. TransRisk Score: New Account Acquisition, by Demographic Group

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

Figure 8. TransRisk Score: New Account Acquisition, by Demographic Group
Race or ethnicity (SSA data)
Likelihood of new account

Score	Non- Hispanic white	Black	Hispanic	Asian
0	8.34	10.47	8.64	5.68
0.5	8.92	11.00	9.16	6.37
1	9.50	11.54	9.69	7.05
1.5	10.09	12.08	10.21	7.74
2	10.67	12.61	10.73	8.42
2.5	11.25	13.15	11.26	9.11
3	11.83	13.69	11.78	9.79
3.5	12.41	14.22	12.31	10.48
4	12.99	14.76	12.83	11.17
4.5	13.57	15.29	13.36	11.85
5	14.15	15.83	13.88	12.54
5.5	14.73	16.37	14.40	13.22
6	15.31	16.90	14.93	13.91
6.5	15.89	17.44	15.45	14.60
7	16.47	17.98	15.98	15.28
7.5	17.05	18.51	16.50	15.97
8	17.63	19.05	17.03	16.65
8.5	18.21	19.58	17.55	17.34
9	18.79	20.12	18.07	18.02
9.5	19.37	20.66	18.60	18.71
10	19.95	21.19	19.12	19.40
10.5	20.24	21.21	19.43	19.93
11	20.52	21.24	19.74	20.46
11.5	20.80	21.26	20.05	20.99
12	21.08	21.28	20.36	21.52
12.5	21.36	21.30	20.67	22.05
13	21.64	21.32	20.98	22.58
13.5	21.93	21.34	21.29	23.11
14	22.21	21.36	21.60	23.64
14.5	22.49	21.38	21.91	24.17
15	22.77	21.40	22.21	24.70
15.5	23.05	21.43	22.52	25.23
16	23.33	21.45	22.83	25.76
16.5	23.62	21.47	23.14	26.29
17	23.90	21.49	23.45	26.82
17.5	24.18	21.51	23.76	27.35
18	24.46	21.53	24.07	27.89
18.5	24.74	21.55	24.38	28.42
19	25.02	21.57	24.69	28.95
19.5	25.31	21.60	25.00	29.48
20	25.59	21.62	25.31	30.01
20.5	26.61	22.69	26.34	30.84
21	27.64	23.77	27.37	31.67
21.5	28.67	24.84	28.40	32.50
22	29.69	25.92	29.43	33.33
22.5	30.72	26.99	30.46	34.16
23	31.74	28.07	31.50	34.99
23.5	32.77	29.14	32.53	35.82
24	33.80	30.22	33.56	36.65
24.5	34.82	31.29	34.59	37.48
25	35.85	32.37	35.62	38.31
25.5	36.87	33.44	36.66	39.14
26	37.90	34.52	37.69	39.97
26.5	38.93	35.60	38.72	40.80
27	39.95	36.67	39.75	41.63
27.5	40.98	37.75	40.78	42.46
28	42.00	38.82	41.81	43.29
28.5	43.03	39.90	42.85	44.12
29	44.06	40.97	43.88	44.95
29.5	45.08	42.05	44.91	45.78
30	46.11	43.12	45.94	46.61
30.5	46.20	43.29	46.33	46.85
31	46.29	43.47	46.71	47.10
31.5	46.38	43.64	47.10	47.34
32	46.47	43.81	47.48	47.58
32.5	46.56	43.98	47.87	47.83
33	46.66	44.16	48.25	48.07
33.5	46.75	44.33	48.64	48.31
34	46.84	44.50	49.02	48.55
34.5	46.93	44.67	49.41	48.80
35	47.02	44.85	49.80	49.04
35.5	47.11	45.02	50.18	49.28
36	47.20	45.19	50.57	49.52
36.5	47.29	45.36	50.95	49.77
37	47.38	45.53	51.34	50.01
37.5	47.47	45.71	51.72	50.25
38	47.57	45.88	52.11	50.50
38.5	47.66	46.05	52.49	50.74
39	47.75	46.22	52.88	50.98
39.5	47.84	46.40	53.26	51.22
40	47.93	46.57	53.65	51.47
40.5	47.93	46.31	53.44	51.45
41	47.92	46.06	53.24	51.43
41.5	47.92	45.80	53.03	51.41
42	47.91	45.54	52.82	51.39
42.5	47.91	45.29	52.61	51.37
43	47.90	45.03	52.41	51.35
43.5	47.90	44.77	52.20	51.33
44	47.89	44.52	51.99	51.31
44.5	47.89	44.26	51.79	51.29
45	47.88	44.00	51.58	51.27
45.5	47.88	43.75	51.37	51.25
46	47.87	43.49	51.17	51.23
46.5	47.87	43.23	50.96	51.21
47	47.86	42.98	50.75	51.19
47.5	47.86	42.72	50.54	51.17
48	47.85	42.47	50.34	51.15
48.5	47.85	42.21	50.13	51.13
49	47.84	41.95	49.92	51.11
49.5	47.84	41.70	49.72	51.09
50	47.84	41.44	49.51	51.08
50.5	47.82	41.51	49.28	50.83
51	47.80	41.58	49.04	50.59
51.5	47.78	41.65	48.81	50.34
52	47.76	41.72	48.58	50.10
52.5	47.74	41.79	48.35	49.85
53	47.72	41.86	48.11	49.61
53.5	47.70	41.93	47.88	49.36
54	47.68	42.00	47.65	49.12
54.5	47.66	42.08	47.41	48.87
55	47.64	42.15	47.18	48.63
55.5	47.62	42.22	46.95	48.38
56	47.60	42.29	46.72	48.14
56.5	47.58	42.36	46.48	47.89
57	47.56	42.43	46.25	47.65
57.5	47.54	42.50	46.02	47.40
58	47.52	42.57	45.79	47.16
58.5	47.50	42.64	45.55	46.92
59	47.48	42.71	45.32	46.67
59.5	47.46	42.78	45.09	46.43
60	47.44	42.85	44.86	46.18
60.5	47.12	42.46	44.67	45.97
61	46.79	42.07	44.49	45.75
61.5	46.47	41.68	44.30	45.53
62	46.15	41.29	44.12	45.32
62.5	45.83	40.89	43.93	45.10
63	45.51	40.50	43.75	44.88
63.5	45.19	40.11	43.56	44.67
64	44.86	39.72	43.38	44.45
64.5	44.54	39.33	43.19	44.23
65	44.22	38.93	43.01	44.02
65.5	43.90	38.54	42.82	43.80
66	43.58	38.15	42.64	43.58
66.5	43.26	37.76	42.45	43.37
67	42.94	37.37	42.27	43.15
67.5	42.61	36.98	42.08	42.93
68	42.29	36.58	41.90	42.72
68.5	41.97	36.19	41.71	42.50
69	41.65	35.80	41.53	42.29
69.5	41.33	35.41	41.34	42.07
70	41.01	35.02	41.16	41.85
70.5	40.73	34.91	41.04	41.56
71	40.45	34.80	40.92	41.28
71.5	40.18	34.69	40.80	40.99
72	39.90	34.59	40.69	40.70
73	39.35	34.37	40.45	40.12
73.5	39.07	34.26	40.33	39.83
74	38.80	34.15	40.21	39.54
74.5	38.52	34.05	40.10	39.26
75	38.24	33.94	39.98	38.97
75.5	37.97	33.83	39.86	38.68
76	37.69	33.72	39.74	38.39
76.5	37.42	33.62	39.62	38.10
77	37.14	33.51	39.50	37.81
78	36.59	33.29	39.27	37.24
78.5	36.31	33.18	39.15	36.95
79	36.04	33.08	39.03	36.66
79.5	35.76	32.97	38.91	36.37
80	35.48	32.86	38.80	36.08
80.5	35.44	32.87	38.44	36.15
81	35.40	32.88	38.08	36.22
81.5	35.36	32.89	37.72	36.28
82	35.32	32.90	37.36	36.35
82.5	35.28	32.92	37.00	36.42
83	35.24	32.93	36.64	36.49
83.5	35.20	32.94	36.28	36.55
84	35.16	32.95	35.92	36.62
84.5	35.12	32.96	35.57	36.69
85	35.08	32.97	35.21	36.76
85.5	35.04	32.98	34.85	36.82
86	35.00	32.99	34.49	36.89
86.5	34.96	33.00	34.13	36.96
87	34.92	33.02	33.77	37.03
87.5	34.88	33.03	33.41	37.09
88	34.84	33.04	33.05	37.16
88.5	34.80	33.05	32.69	37.23
89	34.76	33.06	32.34	37.30
89.5	34.72	33.07	31.98	37.36
90	34.68	33.08	31.62	37.43
90.5	33.79	32.09	31.05	36.64
91	32.90	31.09	30.49	35.84
91.5	32.00	30.10	29.92	35.05
92	31.11	29.10	29.36	34.26
93	29.33	27.11	28.23	32.67
93.5	28.43	26.12	27.66	31.88
94	27.54	25.13	27.10	31.08
94.5	26.65	24.13	26.53	30.29
95	25.76	23.14	25.96	29.50
95.5	24.86	22.14	25.40	28.70
96	23.97	21.15	24.83	27.91
96.5	23.08	20.15	24.27	27.11
97	22.18	19.16	23.70	26.32
97.5	21.29	18.16	23.14	25.53
98	20.40	17.17	22.57	24.73
98.5	19.51	16.17	22.01	23.94
99	18.61	15.18	21.44	23.15
99.5	17.72	14.18	20.88	22.35
100	16.83	13.19	20.31	21.56

Figure 8. TransRisk Score: New Account Acquisition, by Demographic Group
Race or ethnicity (location-based distribution)
Likelihood of new account

Score	Non- Hispanic white	Black	Hispanic	Asian
0	8.73	8.84	8.92	6.56
0.5	9.31	9.38	9.40	7.15
1	9.89	9.92	9.87	7.73
1.5	10.47	10.47	10.35	8.32
2	11.06	11.01	10.83	8.91
2.5	11.64	11.55	11.31	9.49
3	12.22	12.09	11.79	10.08
3.5	12.80	12.64	12.27	10.67
4	13.38	13.18	12.75	11.25
4.5	13.96	13.72	13.23	11.84
5	14.54	14.26	13.70	12.43
5.5	15.12	14.81	14.18	13.01
6	15.70	15.35	14.66	13.60
6.5	16.28	15.89	15.14	14.19
7	16.87	16.43	15.62	14.77
7.5	17.45	16.98	16.10	15.36
8	18.03	17.52	16.58	15.95
8.5	18.61	18.06	17.06	16.53
9	19.19	18.60	17.53	17.12
9.5	19.77	19.15	18.01	17.71
10	20.35	19.69	18.49	18.29
10.5	20.54	19.69	18.65	18.56
11	20.73	19.69	18.81	18.83
11.5	20.92	19.69	18.97	19.10
12	21.11	19.70	19.13	19.37
12.5	21.30	19.70	19.29	19.64
13	21.49	19.70	19.45	19.91
13.5	21.68	19.70	19.62	20.18
14	21.87	19.70	19.78	20.45
14.5	22.06	19.70	19.94	20.72
15	22.25	19.70	20.10	20.99
15.5	22.43	19.70	20.26	21.26
16	22.62	19.71	20.42	21.53
16.5	22.81	19.71	20.58	21.80
17	23.00	19.71	20.74	22.07
17.5	23.19	19.71	20.90	22.34
18	23.38	19.71	21.06	22.61
18.5	23.57	19.71	21.22	22.88
19	23.76	19.71	21.38	23.15
19.5	23.95	19.72	21.54	23.42
20	24.14	19.72	21.70	23.69
20.5	25.15	20.83	22.83	24.65
21	26.15	21.94	23.96	25.61
21.5	27.16	23.05	25.08	26.58
22	28.17	24.16	26.21	27.54
22.5	29.17	25.27	27.34	28.50
23	30.18	26.38	28.47	29.47
23.5	31.19	27.49	29.59	30.43
24	32.19	28.60	30.72	31.39
24.5	33.20	29.71	31.85	32.35
25	34.21	30.82	32.98	33.32
25.5	35.22	31.92	34.11	34.28
26	36.22	33.03	35.23	35.24
26.5	37.23	34.14	36.36	36.21
27	38.24	35.25	37.49	37.17
27.5	39.24	36.36	38.62	38.13
28	40.25	37.47	39.74	39.10
28.5	41.26	38.58	40.87	40.06
29	42.26	39.69	42.00	41.02
29.5	43.27	40.80	43.13	41.99
30	44.28	41.91	44.25	42.95
30.5	44.42	41.94	44.29	43.22
31	44.56	41.96	44.33	43.48
31.5	44.69	41.98	44.36	43.75
32	44.83	42.01	44.40	44.01
32.5	44.97	42.03	44.44	44.28
33	45.11	42.05	44.47	44.55
33.5	45.25	42.08	44.51	44.81
34	45.39	42.10	44.55	45.08
34.5	45.53	42.12	44.58	45.34
35	45.66	42.15	44.62	45.61
35.5	45.80	42.17	44.66	45.88
36	45.94	42.19	44.69	46.14
36.5	46.08	42.22	44.73	46.41
37	46.22	42.24	44.77	46.67
37.5	46.36	42.26	44.80	46.94
38	46.49	42.29	44.84	47.21
38.5	46.63	42.31	44.88	47.47
39	46.77	42.33	44.91	47.74
39.5	46.91	42.36	44.95	48.00
40	47.05	42.38	44.99	48.27
40.5	46.92	42.20	44.83	48.03
41	46.80	42.01	44.68	47.78
41.5	46.67	41.83	44.53	47.54
42	46.54	41.64	44.38	47.30
42.5	46.41	41.46	44.22	47.05
43	46.29	41.27	44.07	46.81
43.5	46.16	41.09	43.92	46.57
44	46.03	40.91	43.77	46.32
44.5	45.91	40.72	43.61	46.08
45	45.78	40.54	43.46	45.84
45.5	45.65	40.35	43.31	45.59
46	45.53	40.17	43.16	45.35
46.5	45.40	39.98	43.00	45.11
47	45.27	39.80	42.85	44.87
47.5	45.15	39.61	42.70	44.62
48	45.02	39.43	42.55	44.38
48.5	44.89	39.24	42.39	44.14
49	44.77	39.06	42.24	43.89
49.5	44.64	38.88	42.09	43.65
50	44.51	38.69	41.94	43.41
50.5	44.43	38.70	41.81	43.42
51	44.36	38.71	41.68	43.44
51.5	44.28	38.72	41.55	43.46
52	44.20	38.73	41.42	43.47
52.5	44.12	38.74	41.30	43.49
53	44.04	38.75	41.17	43.51
53.5	43.96	38.76	41.04	43.53
54	43.89	38.77	40.91	43.54
54.5	43.81	38.78	40.78	43.56
55	43.73	38.79	40.65	43.58
55.5	43.65	38.80	40.53	43.59
56	43.57	38.81	40.40	43.61
56.5	43.49	38.82	40.27	43.63
57	43.42	38.83	40.14	43.65
57.5	43.34	38.84	40.01	43.66
58	43.26	38.85	39.89	43.68
58.5	43.18	38.86	39.76	43.70
59	43.10	38.87	39.63	43.71
59.5	43.02	38.88	39.50	43.73
60	42.95	38.89	39.37	43.75
60.5	42.44	38.34	38.85	43.14
61	41.93	37.78	38.32	42.53
61.5	41.43	37.22	37.79	41.91
62	40.92	36.66	37.27	41.30
62.5	40.41	36.11	36.74	40.69
63	39.91	35.55	36.21	40.08
63.5	39.40	34.99	35.69	39.47
64	38.90	34.44	35.16	38.86
64.5	38.39	33.88	34.63	38.24
65	37.88	33.32	34.11	37.63
65.5	37.38	32.76	33.58	37.02
66	36.87	32.21	33.05	36.41
66.5	36.36	31.65	32.53	35.80
67	35.86	31.09	32.00	35.19
67.5	35.35	30.54	31.47	34.58
68	34.85	29.98	30.95	33.96
68.5	34.34	29.42	30.42	33.35
69	33.83	28.86	29.89	32.74
69.5	33.33	28.31	29.37	32.13
70	32.82	27.75	28.84	31.52
70.5	32.89	27.80	28.96	31.70
71	32.96	27.86	29.08	31.89
71.5	33.03	27.91	29.19	32.07
72	33.10	27.96	29.31	32.26
73	33.24	28.07	29.55	32.63
73.5	33.31	28.12	29.67	32.81
74	33.38	28.17	29.78	33.00
74.5	33.45	28.23	29.90	33.18
75	33.52	28.28	30.02	33.37
75.5	33.59	28.33	30.14	33.55
76	33.66	28.39	30.26	33.74
76.5	33.73	28.44	30.37	33.92
77	33.80	28.49	30.49	34.10
78	33.94	28.60	30.73	34.47
78.5	34.01	28.65	30.84	34.66
79	34.08	28.71	30.96	34.84
79.5	34.15	28.76	31.08	35.03
80	34.22	28.81	31.20	35.21
80.5	34.23	29.00	31.26	35.15
81	34.23	29.19	31.31	35.09
81.5	34.23	29.38	31.37	35.03
82	34.24	29.57	31.43	34.97
82.5	34.24	29.76	31.49	34.91
83	34.24	29.95	31.55	34.85
83.5	34.25	30.14	31.60	34.79
84	34.25	30.33	31.66	34.73
84.5	34.25	30.52	31.72	34.67
85	34.26	30.71	31.78	34.61
85.5	34.26	30.90	31.84	34.55
86	34.26	31.08	31.89	34.49
86.5	34.27	31.27	31.95	34.44
87	34.27	31.46	32.01	34.38
87.5	34.27	31.65	32.07	34.32
88	34.28	31.84	32.13	34.26
88.5	34.28	32.03	32.18	34.20
89	34.28	32.22	32.24	34.14
89.5	34.29	32.41	32.30	34.08
90	34.29	32.60	32.36	34.02
90.5	33.38	31.58	31.45	33.17
91	32.48	30.56	30.54	32.32
91.5	31.57	29.54	29.62	31.47
92	30.67	28.53	28.71	30.62
93	28.86	26.49	26.89	28.92
93.5	27.96	25.47	25.98	28.07
94	27.05	24.45	25.07	27.22
94.5	26.15	23.43	24.16	26.37
95	25.24	22.42	23.25	25.52
95.5	24.34	21.40	22.34	24.67
96	23.43	20.38	21.42	23.82
96.5	22.53	19.36	20.51	22.98
97	21.62	18.34	19.60	22.13
97.5	20.72	17.32	18.69	21.28
98	19.81	16.31	17.78	20.43
98.5	18.91	15.29	16.87	19.58
99	18.00	14.27	15.96	18.73
99.5	17.10	13.25	15.05	17.88
100	16.19	12.23	14.13	17.03

Figure 8. TransRisk Score: New Account Acquisition, by Demographic Group
Sex
Likelihood of new account

Score	Male	Female
0	8.12	10.03
0.5	8.66	10.59
1	9.20	11.14
1.5	9.74	11.70
2	10.28	12.26
2.5	10.82	12.81
3	11.36	13.37
3.5	11.90	13.92
4	12.44	14.48
4.5	12.98	15.03
5	13.52	15.59
5.5	14.06	16.15
6	14.60	16.70
6.5	15.14	17.26
7	15.68	17.81
7.5	16.23	18.37
8	16.77	18.93
8.5	17.31	19.48
9	17.85	20.04
9.5	18.39	20.59
10	18.93	21.15
10.5	19.17	21.40
11	19.40	21.65
11.5	19.64	21.90
12	19.88	22.15
12.5	20.12	22.40
13	20.36	22.65
13.5	20.60	22.90
14	20.83	23.16
14.5	21.07	23.41
15	21.31	23.66
15.5	21.55	23.91
16	21.79	24.16
16.5	22.02	24.41
17	22.26	24.66
17.5	22.50	24.91
18	22.74	25.16
18.5	22.98	25.41
19	23.22	25.66
19.5	23.45	25.91
20	23.69	26.16
20.5	24.76	27.17
21	25.82	28.17
21.5	26.89	29.17
22	27.95	30.17
22.5	29.02	31.18
23	30.08	32.18
23.5	31.15	33.18
24	32.21	34.18
24.5	33.27	35.19
25	34.34	36.19
25.5	35.40	37.19
26	36.47	38.20
26.5	37.53	39.20
27	38.60	40.20
27.5	39.66	41.20
28	40.73	42.21
28.5	41.79	43.21
29	42.86	44.21
29.5	43.92	45.21
30	44.99	46.22
30.5	45.09	46.39
31	45.20	46.56
31.5	45.31	46.73
32	45.42	46.90
32.5	45.53	47.07
33	45.63	47.24
33.5	45.74	47.41
34	45.85	47.58
34.5	45.96	47.75
35	46.06	47.92
35.5	46.17	48.09
36	46.28	48.26
36.5	46.39	48.43
37	46.49	48.60
37.5	46.60	48.77
38	46.71	48.94
38.5	46.82	49.11
39	46.92	49.28
39.5	47.03	49.45
40	47.14	49.62
40.5	47.17	49.52
41	47.20	49.42
41.5	47.23	49.32
42	47.26	49.22
42.5	47.29	49.12
43	47.32	49.02
43.5	47.35	48.92
44	47.38	48.82
44.5	47.42	48.72
45	47.45	48.62
45.5	47.48	48.52
46	47.51	48.42
46.5	47.54	48.32
47	47.57	48.22
47.5	47.60	48.12
48	47.63	48.02
48.5	47.66	47.92
49	47.69	47.82
49.5	47.72	47.72
50	47.75	47.62
50.5	47.64	47.65
51	47.54	47.69
51.5	47.43	47.72
52	47.32	47.76
52.5	47.21	47.79
53	47.11	47.83
53.5	47.00	47.86
54	46.89	47.90
54.5	46.79	47.93
55	46.68	47.97
55.5	46.57	48.00
56	46.46	48.04
56.5	46.36	48.07
57	46.25	48.11
57.5	46.14	48.14
58	46.03	48.18
58.5	45.93	48.21
59	45.82	48.25
59.5	45.71	48.28
60	45.60	48.31
60.5	45.40	47.90
61	45.19	47.49
61.5	44.98	47.08
62	44.77	46.66
62.5	44.56	46.25
63	44.36	45.84
63.5	44.15	45.42
64	43.94	45.01
64.5	43.73	44.60
65	43.53	44.18
65.5	43.32	43.77
66	43.11	43.36
66.5	42.90	42.94
67	42.69	42.53
67.5	42.49	42.12
68	42.28	41.70
68.5	42.07	41.29
69	41.86	40.88
69.5	41.66	40.46
70	41.45	40.05
70.5	41.05	39.94
71	40.66	39.82
71.5	40.27	39.71
72	39.88	39.60
73	39.09	39.37
73.5	38.70	39.26
74	38.30	39.14
74.5	37.91	39.03
75	37.52	38.92
75.5	37.12	38.80
76	36.73	38.69
76.5	36.34	38.57
77	35.94	38.46
78	35.16	38.23
78.5	34.76	38.12
79	34.37	38.01
79.5	33.98	37.89
80	33.58	37.78
80.5	33.52	37.71
81	33.46	37.64
81.5	33.40	37.57
82	33.33	37.50
82.5	33.27	37.42
83	33.21	37.35
83.5	33.15	37.28
84	33.09	37.21
84.5	33.02	37.14
85	32.96	37.07
85.5	32.90	37.00
86	32.84	36.92
86.5	32.78	36.85
87	32.71	36.78
87.5	32.65	36.71
88	32.59	36.64
88.5	32.53	36.57
89	32.46	36.50
89.5	32.40	36.42
90	32.34	36.35
90.5	31.49	35.47
91	30.65	34.59
91.5	29.80	33.72
92	28.96	32.84
93	27.26	31.08
93.5	26.42	30.20
94	25.57	29.32
94.5	24.72	28.44
95	23.88	27.56
95.5	23.03	26.68
96	22.18	25.80
96.5	21.34	24.92
97	20.49	24.04
97.5	19.65	23.16
98	18.80	22.29
98.5	17.95	21.41
99	17.11	20.53
99.5	16.26	19.65
100	15.41	18.77

Figure 8. TransRisk Score: New Account Acquisition, by Demographic Group
Age (years)
Likelihood of new account

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	7.98	9.66	8.96	10.03	11.71
0.5	8.47	10.20	9.59	10.58	11.93
1	8.96	10.74	10.22	11.13	12.15
1.5	9.45	11.28	10.85	11.68	12.37
2	9.93	11.82	11.48	12.22	12.59
2.5	10.42	12.36	12.11	12.77	12.81
3	10.91	12.90	12.74	13.32	13.03
3.5	11.40	13.44	13.37	13.87	13.25
4	11.88	13.99	14.01	14.42	13.47
4.5	12.37	14.53	14.64	14.97	13.69
5	12.86	15.07	15.27	15.51	13.91
5.5	13.34	15.61	15.90	16.06	14.13
6	13.83	16.15	16.53	16.61	14.35
6.5	14.32	16.69	17.16	17.16	14.57
7	14.81	17.23	17.79	17.71	14.79
7.5	15.29	17.77	18.42	18.25	15.01
8	15.78	18.31	19.05	18.80	15.23
8.5	16.27	18.85	19.68	19.35	15.45
9	16.76	19.39	20.32	19.90	15.67
9.5	17.24	19.93	20.95	20.45	15.89
10	17.73	20.47	21.58	21.00	16.11
10.5	17.76	20.82	21.92	21.37	16.34
11	17.78	21.16	22.25	21.74	16.57
11.5	17.81	21.50	22.59	22.12	16.80
12	17.83	21.84	22.93	22.49	17.03
12.5	17.86	22.18	23.27	22.86	17.27
13	17.89	22.52	23.61	23.24	17.50
13.5	17.91	22.86	23.94	23.61	17.73
14	17.94	23.20	24.28	23.99	17.96
14.5	17.96	23.54	24.62	24.36	18.19
15	17.99	23.89	24.96	24.73	18.42
15.5	18.02	24.23	25.30	25.11	18.65
16	18.04	24.57	25.64	25.48	18.89
16.5	18.07	24.91	25.97	25.86	19.12
17	18.09	25.25	26.31	26.23	19.35
17.5	18.12	25.59	26.65	26.60	19.58
18	18.15	25.93	26.99	26.98	19.81
18.5	18.17	26.27	27.33	27.35	20.04
19	18.20	26.61	27.67	27.72	20.28
19.5	18.22	26.96	28.00	28.10	20.51
20	18.25	27.30	28.34	28.47	20.74
20.5	19.71	28.41	29.34	29.29	21.19
21	21.17	29.53	30.33	30.11	21.65
21.5	22.63	30.65	31.33	30.94	22.10
22	24.09	31.76	32.32	31.76	22.56
22.5	25.56	32.88	33.32	32.58	23.01
23	27.02	34.00	34.31	33.40	23.47
23.5	28.48	35.11	35.31	34.22	23.92
24	29.94	36.23	36.30	35.04	24.38
24.5	31.40	37.35	37.30	35.86	24.83
25	32.86	38.46	38.29	36.69	25.29
25.5	34.32	39.58	39.29	37.51	25.74
26	35.78	40.70	40.28	38.33	26.19
26.5	37.24	41.81	41.28	39.15	26.65
27	38.70	42.93	42.27	39.97	27.10
27.5	40.17	44.05	43.27	40.79	27.56
28	41.63	45.16	44.27	41.61	28.01
28.5	43.09	46.28	45.26	42.43	28.47
29	44.55	47.40	46.26	43.26	28.92
29.5	46.01	48.52	47.25	44.08	29.38
30	47.47	49.63	48.25	44.90	29.83
30.5	47.47	49.83	48.53	45.05	29.98
31	47.47	50.03	48.82	45.20	30.14
31.5	47.47	50.22	49.11	45.35	30.29
32	47.48	50.42	49.40	45.51	30.44
32.5	47.48	50.62	49.69	45.66	30.59
33	47.48	50.82	49.97	45.81	30.74
33.5	47.48	51.01	50.26	45.96	30.90
34	47.48	51.21	50.55	46.11	31.05
34.5	47.48	51.41	50.84	46.27	31.20
35	47.49	51.61	51.13	46.42	31.35
35.5	47.49	51.80	51.41	46.57	31.50
36	47.49	52.00	51.70	46.72	31.66
36.5	47.49	52.20	51.99	46.87	31.81
37	47.49	52.40	52.28	47.03	31.96
37.5	47.49	52.59	52.57	47.18	32.11
38	47.50	52.79	52.85	47.33	32.27
38.5	47.50	52.99	53.14	47.48	32.42
39	47.50	53.19	53.43	47.63	32.57
39.5	47.50	53.38	53.72	47.79	32.72
40	47.50	53.58	54.01	47.94	32.87
40.5	47.64	53.71	53.97	47.95	32.66
41	47.77	53.83	53.92	47.96	32.45
41.5	47.91	53.96	53.88	47.97	32.24
42	48.04	54.08	53.84	47.98	32.03
42.5	48.17	54.21	53.80	47.99	31.82
43	48.31	54.33	53.76	48.00	31.60
43.5	48.44	54.46	53.72	48.01	31.39
44	48.58	54.58	53.68	48.02	31.18
44.5	48.71	54.71	53.64	48.03	30.97
45	48.85	54.83	53.60	48.04	30.76
45.5	48.98	54.96	53.56	48.05	30.55
46	49.12	55.08	53.52	48.06	30.34
46.5	49.25	55.21	53.48	48.08	30.12
47	49.38	55.33	53.44	48.09	29.91
47.5	49.52	55.46	53.40	48.10	29.70
48	49.65	55.58	53.36	48.11	29.49
48.5	49.79	55.71	53.31	48.12	29.28
49	49.92	55.83	53.27	48.13	29.07
49.5	50.06	55.96	53.23	48.14	28.85
50	50.19	56.08	53.19	48.15	28.64
50.5	49.91	56.01	53.22	48.07	28.72
51	49.62	55.93	53.25	48.00	28.81
51.5	49.33	55.86	53.27	47.92	28.89
52	49.05	55.78	53.30	47.84	28.97
52.5	48.76	55.70	53.33	47.76	29.05
53	48.48	55.63	53.36	47.69	29.13
53.5	48.19	55.55	53.38	47.61	29.22
54	47.91	55.47	53.41	47.53	29.30
54.5	47.62	55.40	53.44	47.45	29.38
55	47.33	55.32	53.46	47.38	29.46
55.5	47.05	55.25	53.49	47.30	29.54
56	46.76	55.17	53.52	47.22	29.62
56.5	46.48	55.09	53.55	47.15	29.71
57	46.19	55.02	53.57	47.07	29.79
57.5	45.91	54.94	53.60	46.99	29.87
58	45.62	54.86	53.63	46.91	29.95
58.5	45.33	54.79	53.65	46.84	30.03
59	45.05	54.71	53.68	46.76	30.11
59.5	44.76	54.64	53.71	46.68	30.20
60	44.48	54.56	53.74	46.61	30.28
60.5	44.32	54.39	53.50	46.43	29.93
61	44.17	54.22	53.26	46.25	29.58
61.5	44.02	54.05	53.03	46.08	29.24
62	43.86	53.88	52.79	45.90	28.89
62.5	43.71	53.71	52.55	45.72	28.54
63	43.56	53.54	52.31	45.55	28.20
63.5	43.40	53.36	52.08	45.37	27.85
64	43.25	53.19	51.84	45.19	27.50
64.5	43.10	53.02	51.60	45.02	27.16
65	42.94	52.85	51.37	44.84	26.81
65.5	42.79	52.68	51.13	44.67	26.46
66	42.64	52.51	50.89	44.49	26.11
66.5	42.48	52.34	50.65	44.31	25.77
67	42.33	52.17	50.42	44.14	25.42
67.5	42.18	52.00	50.18	43.96	25.07
68	42.02	51.83	49.94	43.78	24.73
68.5	41.87	51.66	49.71	43.61	24.38
69	41.72	51.49	49.47	43.43	24.03
69.5	41.56	51.32	49.23	43.25	23.69
70	41.41	51.15	49.00	43.08	23.34
70.5	41.28	51.01	48.88	42.91	23.22
71	41.15	50.88	48.76	42.75	23.09
71.5	41.01	50.75	48.65	42.59	22.97
72	40.88	50.62	48.53	42.42	22.85
73	40.62	50.35	48.30	42.09	22.60
73.5	40.49	50.22	48.19	41.93	22.48
74	40.36	50.09	48.07	41.77	22.36
74.5	40.23	49.95	47.95	41.60	22.23
75	40.10	49.82	47.84	41.44	22.11
75.5	39.96	49.69	47.72	41.27	21.99
76	39.83	49.56	47.61	41.11	21.86
76.5	39.70	49.42	47.49	40.95	21.74
77	39.57	49.29	47.38	40.78	21.62
78	39.31	49.03	47.14	40.46	21.37
78.5	39.18	48.89	47.03	40.29	21.25
79	39.04	48.76	46.91	40.13	21.13
79.5	38.91	48.63	46.80	39.96	21.00
80	38.78	48.50	46.68	39.80	20.88
80.5	39.23	48.37	46.53	39.70	21.10
81	39.69	48.23	46.39	39.60	21.31
81.5	40.14	48.10	46.24	39.51	21.53
82	40.59	47.97	46.09	39.41	21.74
82.5	41.04	47.84	45.94	39.31	21.96
83	41.49	47.71	45.80	39.21	22.17
83.5	41.94	47.58	45.65	39.11	22.38
84	42.39	47.45	45.50	39.02	22.60
84.5	42.85	47.32	45.36	38.92	22.81
85	43.30	47.19	45.21	38.82	23.03
85.5	43.75	47.06	45.06	38.72	23.24
86	44.20	46.92	44.91	38.63	23.46
86.5	44.65	46.79	44.77	38.53	23.67
87	45.10	46.66	44.62	38.43	23.89
87.5	45.56	46.53	44.47	38.33	24.10
88	46.01	46.40	44.32	38.23	24.32
88.5	46.46	46.27	44.18	38.14	24.53
89	46.91	46.14	44.03	38.04	24.75
89.5	47.36	46.01	43.88	37.94	24.96
90	47.81	45.88	43.74	37.84	25.18
90.5	46.43	45.16	43.10	37.27	24.43
91	45.04	44.44	42.46	36.70	23.69
91.5	43.66	43.72	41.82	36.13	22.94
92	42.27	43.00	41.18	35.56	22.20
93	39.50	41.56	39.91	34.42	20.71
93.5	38.12	40.84	39.27	33.85	19.96
94	36.73	40.12	38.63	33.28	19.22
94.5	35.35	39.40	37.99	32.71	18.48
95	33.97	38.68	37.35	32.14	17.73
95.5	32.58	37.96	36.71	31.57	16.99
96	31.20	37.25	36.08	31.00	16.24
96.5	29.81	36.53	35.44	30.43	15.50
97	28.43	35.81	34.80	29.86	14.75
97.5	27.04	35.09	34.16	29.29	14.01
98	25.66	34.37	33.52	28.72	13.27
98.5	24.27	33.65	32.88	28.15	12.52
99	22.89	32.93	32.25	27.58	11.78
99.5	21.50	32.21	31.61	27.01	11.03
100	20.12	31.49	30.97	26.44	10.29

Figure 8. TransRisk Score: New Account Acquisition, by Demographic Group
Marital status
Likelihood of new account

Score	Married male	Single male	Married female	Single female
0	9.93	7.18	11.38	10.05
0.5	10.47	7.75	12.06	10.51
1	11.01	8.32	12.75	10.96
1.5	11.55	8.89	13.44	11.41
2	12.09	9.46	14.12	11.86
2.5	12.63	10.02	14.81	12.31
3	13.17	10.59	15.50	12.76
3.5	13.71	11.16	16.18	13.21
4	14.25	11.73	16.87	13.66
4.5	14.79	12.30	17.56	14.11
5	15.33	12.87	18.24	14.56
5.5	15.87	13.43	18.93	15.01
6	16.41	14.00	19.61	15.46
6.5	16.95	14.57	20.30	15.91
7	17.49	15.14	20.99	16.36
7.5	18.03	15.71	21.67	16.81
8	18.57	16.28	22.36	17.26
8.5	19.11	16.84	23.05	17.72
9	19.65	17.41	23.73	18.17
9.5	20.19	17.98	24.42	18.62
10	20.73	18.55	25.11	19.07
10.5	21.22	18.68	25.37	19.42
11	21.71	18.81	25.64	19.78
11.5	22.19	18.93	25.90	20.13
12	22.68	19.06	26.17	20.48
12.5	23.16	19.19	26.43	20.84
13	23.65	19.32	26.70	21.19
13.5	24.13	19.45	26.97	21.55
14	24.62	19.58	27.23	21.90
14.5	25.11	19.70	27.50	22.25
15	25.59	19.83	27.76	22.61
15.5	26.08	19.96	28.03	22.96
16	26.56	20.09	28.29	23.32
16.5	27.05	20.22	28.56	23.67
17	27.53	20.35	28.83	24.03
17.5	28.02	20.47	29.09	24.38
18	28.51	20.60	29.36	24.73
18.5	28.99	20.73	29.62	25.09
19	29.48	20.86	29.89	25.44
19.5	29.96	20.99	30.15	25.80
20	30.45	21.12	30.42	26.15
20.5	31.29	22.20	31.36	26.99
21	32.13	23.28	32.30	27.82
21.5	32.97	24.36	33.25	28.66
22	33.81	25.44	34.19	29.50
22.5	34.65	26.52	35.13	30.34
23	35.49	27.61	36.07	31.17
23.5	36.34	28.69	37.01	32.01
24	37.18	29.77	37.96	32.85
24.5	38.02	30.85	38.90	33.68
25	38.86	31.93	39.84	34.52
25.5	39.70	33.01	40.78	35.36
26	40.54	34.10	41.72	36.19
26.5	41.38	35.18	42.67	37.03
27	42.22	36.26	43.61	37.87
27.5	43.06	37.34	44.55	38.71
28	43.90	38.42	45.49	39.54
28.5	44.74	39.50	46.43	40.38
29	45.59	40.59	47.37	41.22
29.5	46.43	41.67	48.32	42.05
30	47.27	42.75	49.26	42.89
30.5	47.36	42.85	49.38	43.14
31	47.46	42.95	49.50	43.40
31.5	47.56	43.05	49.63	43.65
32	47.65	43.15	49.75	43.91
32.5	47.75	43.25	49.87	44.16
33	47.85	43.35	49.99	44.41
33.5	47.95	43.45	50.11	44.67
34	48.04	43.55	50.24	44.92
34.5	48.14	43.65	50.36	45.17
35	48.24	43.75	50.48	45.43
35.5	48.33	43.85	50.60	45.68
36	48.43	43.95	50.73	45.93
36.5	48.53	44.05	50.85	46.19
37	48.62	44.15	50.97	46.44
37.5	48.72	44.25	51.09	46.70
38	48.82	44.35	51.21	46.95
38.5	48.91	44.45	51.34	47.20
39	49.01	44.55	51.46	47.46
39.5	49.11	44.65	51.58	47.71
40	49.20	44.75	51.70	47.96
40.5	49.21	44.78	51.60	47.86
41	49.22	44.82	51.50	47.76
41.5	49.22	44.85	51.40	47.66
42	49.23	44.89	51.31	47.56
42.5	49.24	44.92	51.21	47.46
43	49.24	44.96	51.11	47.36
43.5	49.25	44.99	51.01	47.26
44	49.26	45.03	50.91	47.16
44.5	49.26	45.06	50.81	47.05
45	49.27	45.10	50.71	46.95
45.5	49.28	45.13	50.61	46.85
46	49.28	45.17	50.51	46.75
46.5	49.29	45.20	50.41	46.65
47	49.30	45.24	50.31	46.55
47.5	49.30	45.27	50.21	46.45
48	49.31	45.31	50.11	46.35
48.5	49.32	45.34	50.01	46.25
49	49.32	45.38	49.91	46.15
49.5	49.33	45.41	49.81	46.05
50	49.34	45.44	49.71	45.94
50.5	49.25	45.37	49.71	46.00
51	49.17	45.30	49.70	46.06
51.5	49.08	45.22	49.70	46.12
52	49.00	45.15	49.70	46.18
52.5	48.91	45.08	49.69	46.23
53	48.83	45.00	49.69	46.29
53.5	48.75	44.93	49.68	46.35
54	48.66	44.85	49.68	46.41
54.5	48.58	44.78	49.67	46.46
55	48.49	44.71	49.67	46.52
55.5	48.41	44.63	49.67	46.58
56	48.32	44.56	49.66	46.64
56.5	48.24	44.48	49.66	46.70
57	48.15	44.41	49.65	46.75
57.5	48.07	44.34	49.65	46.81
58	47.99	44.26	49.65	46.87
58.5	47.90	44.19	49.64	46.93
59	47.82	44.11	49.64	46.98
59.5	47.73	44.04	49.63	47.04
60	47.65	43.97	49.63	47.10
60.5	47.42	43.67	49.28	46.50
61	47.19	43.37	48.93	45.91
61.5	46.96	43.07	48.58	45.31
62	46.73	42.77	48.23	44.71
62.5	46.50	42.47	47.88	44.12
63	46.27	42.17	47.54	43.52
63.5	46.04	41.87	47.19	42.92
64	45.81	41.57	46.84	42.33
64.5	45.58	41.27	46.49	41.73
65	45.35	40.97	46.14	41.14
65.5	45.12	40.67	45.79	40.54
66	44.89	40.37	45.44	39.94
66.5	44.67	40.07	45.09	39.35
67	44.44	39.77	44.74	38.75
67.5	44.21	39.47	44.39	38.15
68	43.98	39.17	44.05	37.56
68.5	43.75	38.87	43.70	36.96
69	43.52	38.57	43.35	36.36
69.5	43.29	38.27	43.00	35.77
70	43.06	37.97	42.65	35.17
70.5	42.68	37.55	42.55	35.02
71	42.29	37.13	42.46	34.86
71.5	41.91	36.70	42.36	34.71
72	41.53	36.28	42.27	34.56
73	40.76	35.43	42.08	34.25
73.5	40.38	35.01	41.98	34.10
74	40.00	34.59	41.88	33.94
74.5	39.61	34.16	41.79	33.79
75	39.23	33.74	41.69	33.64
75.5	38.85	33.32	41.60	33.48
76	38.47	32.89	41.50	33.33
76.5	38.08	32.47	41.41	33.17
77	37.70	32.05	41.31	33.02
78	36.94	31.20	41.12	32.71
78.5	36.55	30.78	41.02	32.56
79	36.17	30.35	40.93	32.41
79.5	35.79	29.93	40.83	32.25
80	35.40	29.51	40.73	32.10
80.5	35.34	29.41	40.54	32.26
81	35.27	29.32	40.34	32.43
81.5	35.21	29.22	40.14	32.59
82	35.15	29.13	39.95	32.76
82.5	35.08	29.03	39.75	32.92
83	35.02	28.94	39.55	33.09
83.5	34.95	28.84	39.35	33.25
84	34.89	28.75	39.16	33.42
84.5	34.82	28.65	38.96	33.58
85	34.76	28.56	38.76	33.75
85.5	34.69	28.46	38.56	33.91
86	34.63	28.37	38.37	34.07
86.5	34.56	28.27	38.17	34.24
87	34.50	28.18	37.97	34.40
87.5	34.44	28.08	37.78	34.57
88	34.37	27.99	37.58	34.73
88.5	34.31	27.89	37.38	34.90
89	34.24	27.80	37.18	35.06
89.5	34.18	27.70	36.99	35.23
90	34.11	27.61	36.79	35.39
90.5	33.20	26.96	36.07	34.01
91	32.30	26.31	35.35	32.64
91.5	31.39	25.66	34.63	31.26
92	30.48	25.01	33.91	29.89
93	28.67	23.72	32.48	27.13
93.5	27.76	23.07	31.76	25.76
94	26.86	22.42	31.04	24.38
94.5	25.95	21.77	30.32	23.01
95	25.04	21.12	29.60	21.63
95.5	24.13	20.47	28.88	20.25
96	23.23	19.83	28.16	18.88
96.5	22.32	19.18	27.44	17.50
97	21.41	18.53	26.73	16.12
97.5	20.51	17.88	26.01	14.75
98	19.60	17.23	25.29	13.37
98.5	18.69	16.58	24.57	12.00
99	17.79	15.94	23.85	10.62
99.5	16.88	15.29	23.13	9.24
100	15.97	14.64	22.41	7.87

Figure 8. TransRisk Score: New Account Acquisition, by Demographic Group
Income ratio of tract
Likelihood of new account

Score	Low	Moderate	Middle	High
0	8.35	8.51	8.78	9.67
0.5	8.63	9.08	9.35	10.21
1	8.91	9.66	9.93	10.75
1.5	9.20	10.23	10.50	11.29
2	9.48	10.81	11.08	11.83
2.5	9.76	11.38	11.65	12.36
3	10.04	11.96	12.23	12.90
3.5	10.33	12.53	12.80	13.44
4	10.61	13.11	13.38	13.98
4.5	10.89	13.68	13.95	14.52
5	11.17	14.26	14.52	15.06
5.5	11.46	14.83	15.10	15.59
6	11.74	15.41	15.67	16.13
6.5	12.02	15.99	16.25	16.67
7	12.30	16.56	16.82	17.21
7.5	12.58	17.14	17.40	17.75
8	12.87	17.71	17.97	18.29
8.5	13.15	18.29	18.55	18.83
9	13.43	18.86	19.12	19.36
9.5	13.71	19.44	19.70	19.90
10	14.00	20.01	20.27	20.44
10.5	13.99	20.01	20.47	20.83
11	13.98	20.01	20.66	21.21
11.5	13.97	20.01	20.86	21.59
12	13.96	20.01	21.05	21.98
12.5	13.95	20.01	21.25	22.36
13	13.94	20.01	21.44	22.75
13.5	13.93	20.00	21.64	23.13
14	13.92	20.00	21.83	23.52
14.5	13.91	20.00	22.03	23.90
15	13.90	20.00	22.22	24.29
15.5	13.89	20.00	22.42	24.67
16	13.88	20.00	22.61	25.05
16.5	13.87	20.00	22.81	25.44
17	13.86	20.00	23.00	25.82
17.5	13.86	20.00	23.20	26.21
18	13.85	20.00	23.39	26.59
18.5	13.84	19.99	23.59	26.98
19	13.83	19.99	23.78	27.36
19.5	13.82	19.99	23.98	27.75
20	13.81	19.99	24.17	28.13
20.5	14.91	21.07	25.22	28.97
21	16.01	22.15	26.27	29.80
21.5	17.12	23.23	27.31	30.64
22	18.22	24.32	28.36	31.48
22.5	19.32	25.40	29.41	32.31
23	20.43	26.48	30.45	33.15
23.5	21.53	27.56	31.50	33.98
24	22.63	28.64	32.55	34.82
24.5	23.74	29.72	33.60	35.66
25	24.84	30.80	34.64	36.49
25.5	25.94	31.88	35.69	37.33
26	27.05	32.97	36.74	38.17
26.5	28.15	34.05	37.78	39.00
27	29.25	35.13	38.83	39.84
27.5	30.36	36.21	39.88	40.68
28	31.46	37.29	40.93	41.51
28.5	32.56	38.37	41.97	42.35
29	33.67	39.45	43.02	43.19
29.5	34.77	40.53	44.07	44.02
30	35.87	41.62	45.11	44.86
30.5	36.21	41.66	45.17	45.11
31	36.54	41.70	45.23	45.36
31.5	36.88	41.74	45.29	45.62
32	37.21	41.78	45.35	45.87
32.5	37.55	41.83	45.41	46.12
33	37.88	41.87	45.46	46.38
33.5	38.21	41.91	45.52	46.63
34	38.55	41.95	45.58	46.88
34.5	38.88	41.99	45.64	47.14
35	39.22	42.04	45.70	47.39
35.5	39.55	42.08	45.76	47.64
36	39.89	42.12	45.81	47.90
36.5	40.22	42.16	45.87	48.15
37	40.56	42.20	45.93	48.40
37.5	40.89	42.25	45.99	48.65
38	41.23	42.29	46.05	48.91
38.5	41.56	42.33	46.11	49.16
39	41.90	42.37	46.16	49.41
39.5	42.23	42.41	46.22	49.67
40	42.57	42.46	46.28	49.92
40.5	42.12	42.32	46.17	49.72
41	41.68	42.18	46.07	49.52
41.5	41.23	42.04	45.96	49.32
42	40.79	41.90	45.85	49.13
42.5	40.34	41.77	45.74	48.93
43	39.90	41.63	45.64	48.73
43.5	39.45	41.49	45.53	48.53
44	39.01	41.35	45.42	48.33
44.5	38.56	41.21	45.31	48.13
45	38.12	41.07	45.21	47.93
45.5	37.67	40.94	45.10	47.73
46	37.23	40.80	44.99	47.54
46.5	36.78	40.66	44.88	47.34
47	36.34	40.52	44.77	47.14
47.5	35.89	40.38	44.67	46.94
48	35.45	40.24	44.56	46.74
48.5	35.00	40.11	44.45	46.54
49	34.56	39.97	44.34	46.34
49.5	34.11	39.83	44.24	46.15
50	33.67	39.69	44.13	45.95
50.5	33.70	39.62	44.03	45.92
51	33.74	39.55	43.93	45.89
51.5	33.78	39.48	43.82	45.86
52	33.82	39.41	43.72	45.83
52.5	33.85	39.34	43.62	45.80
53	33.89	39.27	43.52	45.77
53.5	33.93	39.20	43.42	45.74
54	33.97	39.13	43.32	45.71
54.5	34.01	39.06	43.22	45.68
55	34.04	38.99	43.11	45.65
55.5	34.08	38.92	43.01	45.62
56	34.12	38.85	42.91	45.59
56.5	34.16	38.78	42.81	45.57
57	34.19	38.71	42.71	45.54
57.5	34.23	38.64	42.61	45.51
58	34.27	38.57	42.50	45.48
58.5	34.31	38.50	42.40	45.45
59	34.35	38.43	42.30	45.42
59.5	34.38	38.36	42.20	45.39
60	34.42	38.29	42.10	45.36
60.5	33.93	37.74	41.57	44.87
61	33.43	37.18	41.04	44.38
61.5	32.94	36.63	40.51	43.89
62	32.45	36.08	39.98	43.40
62.5	31.95	35.53	39.45	42.91
63	31.46	34.97	38.92	42.42
63.5	30.96	34.42	38.39	41.93
64	30.47	33.87	37.86	41.43
64.5	29.98	33.31	37.33	40.94
65	29.48	32.76	36.79	40.45
65.5	28.99	32.21	36.26	39.96
66	28.49	31.65	35.73	39.47
66.5	28.00	31.10	35.20	38.98
67	27.51	30.55	34.67	38.49
67.5	27.01	29.99	34.14	38.00
68	26.52	29.44	33.61	37.51
68.5	26.02	28.89	33.08	37.02
69	25.53	28.33	32.55	36.53
69.5	25.04	27.78	32.02	36.04
70	24.54	27.23	31.49	35.55
70.5	24.41	27.25	31.58	35.62
71	24.28	27.27	31.66	35.70
71.5	24.15	27.30	31.75	35.78
72	24.02	27.32	31.84	35.86
73	23.75	27.36	32.01	36.02
73.5	23.62	27.39	32.10	36.10
74	23.49	27.41	32.18	36.18
74.5	23.36	27.43	32.27	36.26
75	23.22	27.46	32.35	36.34
75.5	23.09	27.48	32.44	36.42
76	22.96	27.50	32.53	36.50
76.5	22.83	27.52	32.61	36.58
77	22.70	27.55	32.70	36.66
78	22.43	27.59	32.87	36.82
78.5	22.30	27.62	32.96	36.90
79	22.17	27.64	33.04	36.98
79.5	22.04	27.66	33.13	37.06
80	21.90	27.68	33.22	37.14
80.5	22.26	27.74	33.20	37.14
81	22.62	27.80	33.19	37.14
81.5	22.98	27.86	33.17	37.14
82	23.34	27.92	33.15	37.14
82.5	23.70	27.98	33.14	37.14
83	24.06	28.04	33.12	37.14
83.5	24.42	28.10	33.11	37.14
84	24.78	28.16	33.09	37.14
84.5	25.13	28.22	33.08	37.14
85	25.49	28.28	33.06	37.14
85.5	25.85	28.33	33.04	37.14
86	26.21	28.39	33.03	37.14
86.5	26.57	28.45	33.01	37.14
87	26.93	28.51	33.00	37.15
87.5	27.29	28.57	32.98	37.15
88	27.65	28.63	32.96	37.15
88.5	28.01	28.69	32.95	37.15
89	28.37	28.75	32.93	37.15
89.5	28.73	28.81	32.92	37.15
90	29.08	28.87	32.90	37.15
90.5	28.01	28.00	32.00	36.24
91	26.94	27.14	31.10	35.33
91.5	25.87	26.27	30.20	34.43
92	24.80	25.41	29.30	33.52
93	22.65	23.68	27.49	31.71
93.5	21.58	22.82	26.59	30.80
94	20.51	21.96	25.69	29.89
94.5	19.44	21.09	24.79	28.99
95	18.36	20.23	23.89	28.08
95.5	17.29	19.37	22.99	27.17
96	16.22	18.50	22.09	26.27
96.5	15.15	17.64	21.19	25.36
97	14.08	16.78	20.28	24.45
97.5	13.00	15.91	19.38	23.55
98	11.93	15.05	18.48	22.64
98.5	10.86	14.19	17.58	21.73
99	9.79	13.32	16.68	20.83
99.5	8.72	12.46	15.78	19.92
100	7.64	11.59	14.88	19.01

Return to figure

Figure 9. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group

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

Figure 9. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Race or ethnicity (SSA data)
Percent denied

Score	Non- Hispanic white	Black	Hispanic	Asian
0	57.65	58.35	59.81	57.89
0.5	56.62	57.48	58.87	57.13
1	55.58	56.60	57.93	56.38
1.5	54.55	55.73	56.99	55.62
2	53.51	54.86	56.05	54.87
2.5	52.48	53.98	55.11	54.11
3	51.44	53.11	54.17	53.36
3.5	50.41	52.24	53.23	52.61
4	49.37	51.36	52.29	51.85
4.5	48.34	50.49	51.35	51.10
5	47.31	49.61	50.41	50.34
5.5	46.27	48.74	49.47	49.59
6	45.24	47.87	48.53	48.83
6.5	44.20	46.99	47.59	48.08
7	43.17	46.12	46.65	47.33
7.5	42.13	45.25	45.71	46.57
8	41.10	44.37	44.77	45.82
8.5	40.06	43.50	43.83	45.06
9	39.03	42.62	42.89	44.31
9.5	38.00	41.75	41.95	43.55
10	36.96	40.88	41.01	42.80
10.5	36.60	40.53	40.54	41.89
11	36.24	40.18	40.07	40.98
11.5	35.88	39.83	39.60	40.07
12	35.51	39.48	39.13	39.15
12.5	35.15	39.13	38.66	38.24
13	34.79	38.78	38.20	37.33
13.5	34.43	38.44	37.73	36.42
14	34.07	38.09	37.26	35.51
14.5	33.70	37.74	36.79	34.60
15	33.34	37.39	36.32	33.69
15.5	32.98	37.04	35.85	32.77
16	32.62	36.69	35.39	31.86
16.5	32.26	36.34	34.92	30.95
17	31.89	35.99	34.45	30.04
17.5	31.53	35.65	33.98	29.13
18	31.17	35.30	33.51	28.22
18.5	30.81	34.95	33.04	27.31
19	30.45	34.60	32.58	26.40
19.5	30.08	34.25	32.11	25.48
20	29.72	33.90	31.64	24.57
20.5	29.15	33.29	31.16	24.37
21	28.58	32.67	30.68	24.16
21.5	28.02	32.06	30.20	23.96
22	27.45	31.45	29.73	23.76
22.5	26.88	30.83	29.25	23.55
23	26.31	30.22	28.77	23.35
23.5	25.74	29.60	28.29	23.15
24	25.17	28.99	27.81	22.94
24.5	24.60	28.38	27.33	22.74
25	24.03	27.76	26.86	22.54
25.5	23.47	27.15	26.38	22.33
26	22.90	26.54	25.90	22.13
26.5	22.33	25.92	25.42	21.92
27	21.76	25.31	24.94	21.72
27.5	21.19	24.69	24.46	21.52
28	20.62	24.08	23.99	21.31
28.5	20.05	23.47	23.51	21.11
29	19.49	22.85	23.03	20.91
29.5	18.92	22.24	22.55	20.70
30	18.35	21.62	22.07	20.50
30.5	18.14	21.28	21.69	20.14
31	17.92	20.93	21.31	19.78
31.5	17.71	20.58	20.93	19.42
32	17.50	20.24	20.55	19.06
32.5	17.28	19.89	20.18	18.69
33	17.07	19.54	19.80	18.33
33.5	16.86	19.19	19.42	17.97
34	16.65	18.85	19.04	17.61
34.5	16.43	18.50	18.66	17.25
35	16.22	18.15	18.28	16.89
35.5	16.01	17.81	17.90	16.53
36	15.80	17.46	17.52	16.17
36.5	15.58	17.11	17.14	15.81
37	15.37	16.76	16.76	15.45
37.5	15.16	16.42	16.38	15.09
38	14.94	16.07	16.00	14.73
38.5	14.73	15.72	15.62	14.37
39	14.52	15.38	15.24	14.01
39.5	14.31	15.03	14.87	13.65
40	14.09	14.68	14.49	13.29
40.5	13.88	14.62	14.35	13.25
41	13.67	14.55	14.21	13.21
41.5	13.46	14.48	14.07	13.17
42	13.24	14.41	13.93	13.13
42.5	13.03	14.35	13.79	13.09
43	12.82	14.28	13.65	13.05
43.5	12.60	14.21	13.51	13.01
44	12.39	14.14	13.37	12.97
44.5	12.18	14.08	13.23	12.93
45	11.97	14.01	13.09	12.89
45.5	11.75	13.94	12.95	12.85
46	11.54	13.88	12.81	12.81
46.5	11.33	13.81	12.67	12.77
47	11.11	13.74	12.53	12.73
47.5	10.90	13.67	12.39	12.69
48	10.69	13.61	12.25	12.65
48.5	10.48	13.54	12.11	12.61
49	10.26	13.47	11.96	12.57
49.5	10.05	13.40	11.82	12.53
50	9.84	13.34	11.68	12.49
50.5	9.82	13.22	11.70	12.38
51	9.80	13.11	11.72	12.28
51.5	9.79	12.99	11.74	12.18
52	9.77	12.88	11.76	12.07
52.5	9.76	12.76	11.77	11.97
53	9.74	12.64	11.79	11.87
53.5	9.72	12.53	11.81	11.76
54	9.71	12.41	11.83	11.66
54.5	9.69	12.30	11.85	11.55
55	9.67	12.18	11.86	11.45
55.5	9.66	12.07	11.88	11.35
56	9.64	11.95	11.90	11.24
56.5	9.63	11.84	11.92	11.14
57	9.61	11.72	11.94	11.04
57.5	9.59	11.61	11.95	10.93
58	9.58	11.49	11.97	10.83
58.5	9.56	11.38	11.99	10.73
59	9.54	11.26	12.01	10.62
59.5	9.53	11.14	12.03	10.52
60	9.51	11.03	12.04	10.42
60.5	9.42	10.90	11.87	10.43
61	9.32	10.77	11.69	10.44
61.5	9.23	10.64	11.51	10.46
62	9.13	10.51	11.33	10.47
62.5	9.04	10.39	11.15	10.48
63	8.95	10.26	10.97	10.50
63.5	8.85	10.13	10.79	10.51
64	8.76	10.00	10.61	10.52
64.5	8.66	9.87	10.43	10.53
65	8.57	9.74	10.25	10.55
65.5	8.47	9.61	10.07	10.56
66	8.38	9.48	9.89	10.57
66.5	8.28	9.36	9.71	10.59
67	8.19	9.23	9.53	10.60
67.5	8.10	9.10	9.35	10.61
68	8.00	8.97	9.17	10.63
68.5	7.91	8.84	9.00	10.64
69	7.81	8.71	8.82	10.65
69.5	7.72	8.58	8.64	10.67
70	7.62	8.45	8.46	10.68
70.5	7.58	8.37	8.44	10.58
71	7.53	8.29	8.42	10.49
71.5	7.48	8.21	8.41	10.39
72	7.43	8.13	8.39	10.30
73	7.33	7.97	8.36	10.11
73.5	7.29	7.89	8.34	10.01
74	7.24	7.81	8.33	9.92
74.5	7.19	7.73	8.31	9.82
75	7.14	7.65	8.30	9.73
75.5	7.09	7.57	8.28	9.63
76	7.05	7.49	8.26	9.54
76.5	7.00	7.41	8.25	9.44
77	6.95	7.33	8.23	9.35
78	6.85	7.17	8.20	9.16
78.5	6.80	7.09	8.18	9.06
79	6.76	7.01	8.17	8.97
79.5	6.71	6.93	8.15	8.87
80	6.66	6.85	8.13	8.78
80.5	6.62	6.93	8.13	8.71
81	6.59	7.00	8.12	8.64
81.5	6.55	7.08	8.12	8.57
82	6.51	7.16	8.12	8.51
82.5	6.48	7.24	8.11	8.44
83	6.44	7.32	8.11	8.37
83.5	6.41	7.40	8.10	8.30
84	6.37	7.47	8.10	8.23
84.5	6.33	7.55	8.10	8.17
85	6.30	7.63	8.09	8.10
85.5	6.26	7.71	8.09	8.03
86	6.22	7.79	8.08	7.96
86.5	6.19	7.87	8.08	7.89
87	6.15	7.94	8.07	7.83
87.5	6.11	8.02	8.07	7.76
88	6.08	8.10	8.07	7.69
88.5	6.04	8.18	8.06	7.62
89	6.00	8.26	8.06	7.55
89.5	5.97	8.34	8.05	7.49
90	5.93	8.41	8.05	7.42
90.5	5.85	8.54	7.82	7.30
91	5.77	8.66	7.59	7.19
91.5	5.69	8.78	7.36	7.08
92	5.61	8.90	7.13	6.97
93	5.44	9.15	6.67	6.74
93.5	5.36	9.27	6.44	6.63
94	5.28	9.39	6.21	6.52
94.5	5.20	9.51	5.98	6.40
95	5.12	9.63	5.75	6.29
95.5	5.03	9.76	5.52	6.18
96	4.95	9.88	5.29	6.06
96.5	4.87	10.00	5.07	5.95
97	4.79	10.12	4.84	5.84
97.5	4.71	10.24	4.61	5.73
98	4.63	10.37	4.38	5.61
98.5	4.55	10.49	4.15	5.50
99	4.46	10.61	3.92	5.39
99.5	4.38	10.73	3.69	5.27
100	4.30	10.85	3.46	5.16

Figure 9. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Race or ethnicity (location-based distribution)
Percent denied

Score	Non- Hispanic white	Black	Hispanic	Asian
0	56.89	58.63	58.42	60.42
0.5	55.94	57.73	57.46	59.37
1	54.98	56.84	56.51	58.32
1.5	54.02	55.95	55.56	57.26
2	53.06	55.05	54.60	56.21
2.5	52.11	54.16	53.65	55.16
3	51.15	53.27	52.70	54.11
3.5	50.19	52.38	51.74	53.05
4	49.23	51.48	50.79	52.00
4.5	48.28	50.59	49.84	50.95
5	47.32	49.70	48.88	49.90
5.5	46.36	48.81	47.93	48.84
6	45.40	47.91	46.98	47.79
6.5	44.44	47.02	46.02	46.74
7	43.49	46.13	45.07	45.69
7.5	42.53	45.23	44.11	44.64
8	41.57	44.34	43.16	43.58
8.5	40.61	43.45	42.21	42.53
9	39.66	42.56	41.25	41.48
9.5	38.70	41.66	40.30	40.43
10	37.74	40.77	39.35	39.37
10.5	37.31	40.28	38.81	38.86
11	36.87	39.78	38.26	38.34
11.5	36.43	39.28	37.72	37.82
12	36.00	38.79	37.18	37.30
12.5	35.56	38.29	36.64	36.79
13	35.12	37.80	36.10	36.27
13.5	34.69	37.30	35.56	35.75
14	34.25	36.81	35.02	35.24
14.5	33.81	36.31	34.47	34.72
15	33.38	35.82	33.93	34.20
15.5	32.94	35.32	33.39	33.69
16	32.50	34.83	32.85	33.17
16.5	32.07	34.33	32.31	32.65
17	31.63	33.84	31.77	32.13
17.5	31.19	33.34	31.23	31.62
18	30.76	32.85	30.69	31.10
18.5	30.32	32.35	30.14	30.58
19	29.88	31.86	29.60	30.07
19.5	29.45	31.36	29.06	29.55
20	29.01	30.87	28.52	29.03
20.5	28.50	30.30	28.05	28.52
21	27.99	29.73	27.57	28.01
21.5	27.47	29.16	27.10	27.51
22	26.96	28.59	26.62	27.00
22.5	26.45	28.02	26.15	26.49
23	25.94	27.45	25.68	25.98
23.5	25.43	26.88	25.20	25.47
24	24.92	26.31	24.73	24.96
24.5	24.41	25.74	24.25	24.45
25	23.90	25.17	23.78	23.94
25.5	23.38	24.60	23.30	23.43
26	22.87	24.03	22.83	22.93
26.5	22.36	23.46	22.36	22.42
27	21.85	22.89	21.88	21.91
27.5	21.34	22.32	21.41	21.40
28	20.83	21.75	20.93	20.89
28.5	20.32	21.18	20.46	20.38
29	19.80	20.61	19.99	19.87
29.5	19.29	20.04	19.51	19.36
30	18.78	19.47	19.04	18.85
30.5	18.54	19.26	18.81	18.62
31	18.29	19.04	18.59	18.38
31.5	18.04	18.83	18.37	18.14
32	17.80	18.62	18.15	17.90
32.5	17.55	18.41	17.93	17.67
33	17.31	18.20	17.71	17.43
33.5	17.06	17.99	17.48	17.19
34	16.82	17.78	17.26	16.95
34.5	16.57	17.57	17.04	16.72
35	16.33	17.36	16.82	16.48
35.5	16.08	17.15	16.60	16.24
36	15.83	16.94	16.38	16.00
36.5	15.59	16.73	16.15	15.76
37	15.34	16.52	15.93	15.53
37.5	15.10	16.31	15.71	15.29
38	14.85	16.10	15.49	15.05
38.5	14.61	15.89	15.27	14.81
39	14.36	15.68	15.04	14.58
39.5	14.11	15.46	14.82	14.34
40	13.87	15.25	14.60	14.10
40.5	13.68	15.06	14.38	13.94
41	13.49	14.86	14.16	13.78
41.5	13.29	14.66	13.95	13.61
42	13.10	14.46	13.73	13.45
42.5	12.91	14.26	13.51	13.29
43	12.72	14.07	13.29	13.12
43.5	12.53	13.87	13.07	12.96
44	12.33	13.67	12.85	12.80
44.5	12.14	13.47	12.64	12.64
45	11.95	13.27	12.42	12.47
45.5	11.76	13.08	12.20	12.31
46	11.57	12.88	11.98	12.15
46.5	11.37	12.68	11.76	11.99
47	11.18	12.48	11.54	11.82
47.5	10.99	12.28	11.32	11.66
48	10.80	12.08	11.11	11.50
48.5	10.61	11.89	10.89	11.33
49	10.41	11.69	10.67	11.17
49.5	10.22	11.49	10.45	11.01
50	10.03	11.29	10.23	10.85
50.5	9.99	11.20	10.22	10.75
51	9.96	11.11	10.21	10.66
51.5	9.92	11.02	10.20	10.56
52	9.88	10.94	10.19	10.47
52.5	9.84	10.85	10.17	10.37
53	9.80	10.76	10.16	10.27
53.5	9.77	10.67	10.15	10.18
54	9.73	10.58	10.14	10.08
54.5	9.69	10.49	10.13	9.99
55	9.65	10.40	10.11	9.89
55.5	9.62	10.31	10.10	9.80
56	9.58	10.22	10.09	9.70
56.5	9.54	10.13	10.08	9.61
57	9.50	10.04	10.07	9.51
57.5	9.47	9.95	10.06	9.42
58	9.43	9.86	10.04	9.32
58.5	9.39	9.77	10.03	9.23
59	9.35	9.68	10.02	9.13
59.5	9.31	9.60	10.01	9.04
60	9.28	9.51	10.00	8.94
60.5	9.14	9.31	9.82	8.84
61	9.01	9.11	9.65	8.75
61.5	8.88	8.92	9.47	8.65
62	8.75	8.72	9.29	8.55
62.5	8.61	8.53	9.12	8.45
63	8.48	8.33	8.94	8.36
63.5	8.35	8.13	8.77	8.26
64	8.22	7.94	8.59	8.16
64.5	8.08	7.74	8.42	8.06
65	7.95	7.54	8.24	7.96
65.5	7.82	7.35	8.07	7.87
66	7.69	7.15	7.89	7.77
66.5	7.55	6.96	7.71	7.67
67	7.42	6.76	7.54	7.57
67.5	7.29	6.56	7.36	7.48
68	7.16	6.37	7.19	7.38
68.5	7.02	6.17	7.01	7.28
69	6.89	5.98	6.84	7.18
69.5	6.76	5.78	6.66	7.09
70	6.63	5.58	6.49	6.99
70.5	6.62	5.62	6.49	7.00
71	6.62	5.65	6.49	7.02
71.5	6.62	5.68	6.49	7.03
72	6.62	5.72	6.50	7.05
73	6.61	5.78	6.50	7.08
73.5	6.61	5.81	6.51	7.10
74	6.61	5.85	6.51	7.11
74.5	6.60	5.88	6.51	7.13
75	6.60	5.91	6.52	7.14
75.5	6.60	5.95	6.52	7.16
76	6.60	5.98	6.52	7.17
76.5	6.59	6.01	6.53	7.19
77	6.59	6.05	6.53	7.20
78	6.59	6.11	6.53	7.23
78.5	6.58	6.14	6.54	7.25
79	6.58	6.18	6.54	7.26
79.5	6.58	6.21	6.54	7.28
80	6.58	6.24	6.55	7.29
80.5	6.55	6.28	6.56	7.26
81	6.53	6.32	6.58	7.23
81.5	6.50	6.36	6.60	7.20
82	6.48	6.40	6.61	7.17
82.5	6.45	6.44	6.63	7.14
83	6.43	6.48	6.64	7.11
83.5	6.40	6.52	6.66	7.08
84	6.38	6.56	6.68	7.05
84.5	6.35	6.60	6.69	7.02
85	6.33	6.64	6.71	6.99
85.5	6.30	6.68	6.73	6.96
86	6.28	6.72	6.74	6.93
86.5	6.25	6.76	6.76	6.90
87	6.23	6.80	6.78	6.87
87.5	6.20	6.84	6.79	6.84
88	6.18	6.88	6.81	6.81
88.5	6.15	6.92	6.82	6.78
89	6.13	6.96	6.84	6.76
89.5	6.10	7.00	6.86	6.73
90	6.08	7.04	6.87	6.70
90.5	5.98	6.89	6.70	6.57
91	5.89	6.74	6.53	6.44
91.5	5.80	6.59	6.36	6.31
92	5.71	6.44	6.18	6.18
93	5.52	6.14	5.84	5.92
93.5	5.43	5.99	5.67	5.79
94	5.33	5.84	5.49	5.66
94.5	5.24	5.69	5.32	5.53
95	5.15	5.54	5.15	5.40
95.5	5.06	5.39	4.98	5.27
96	4.96	5.24	4.81	5.14
96.5	4.87	5.09	4.63	5.01
97	4.78	4.94	4.46	4.88
97.5	4.68	4.79	4.29	4.75
98	4.59	4.64	4.12	4.62
98.5	4.50	4.49	3.94	4.49
99	4.41	4.34	3.77	4.36
99.5	4.31	4.19	3.60	4.23
100	4.22	4.04	3.43	4.10

Figure 9. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Sex
Percent denied

Score	Male	Female
0	58.59	57.70
0.5	57.57	56.76
1	56.55	55.83
1.5	55.53	54.89
2	54.51	53.95
2.5	53.49	53.02
3	52.47	52.08
3.5	51.45	51.14
4	50.43	50.21
4.5	49.41	49.27
5	48.39	48.34
5.5	47.36	47.40
6	46.34	46.46
6.5	45.32	45.53
7	44.30	44.59
7.5	43.28	43.65
8	42.26	42.72
8.5	41.24	41.78
9	40.22	40.84
9.5	39.20	39.91
10	38.18	38.97
10.5	37.80	38.56
11	37.43	38.15
11.5	37.05	37.74
12	36.67	37.32
12.5	36.30	36.91
13	35.92	36.50
13.5	35.55	36.09
14	35.17	35.68
14.5	34.79	35.27
15	34.42	34.86
15.5	34.04	34.45
16	33.67	34.04
16.5	33.29	33.63
17	32.91	33.22
17.5	32.54	32.80
18	32.16	32.39
18.5	31.79	31.98
19	31.41	31.57
19.5	31.04	31.16
20	30.66	30.75
20.5	30.15	30.12
21	29.64	29.48
21.5	29.13	28.85
22	28.62	28.21
22.5	28.11	27.58
23	27.59	26.94
23.5	27.08	26.31
24	26.57	25.68
24.5	26.06	25.04
25	25.55	24.41
25.5	25.04	23.77
26	24.53	23.14
26.5	24.02	22.50
27	23.51	21.87
27.5	23.00	21.24
28	22.49	20.60
28.5	21.98	19.97
29	21.46	19.33
29.5	20.95	18.70
30	20.44	18.06
30.5	20.18	17.82
31	19.92	17.58
31.5	19.65	17.34
32	19.39	17.11
32.5	19.13	16.87
33	18.87	16.63
33.5	18.60	16.39
34	18.34	16.15
34.5	18.08	15.91
35	17.82	15.67
35.5	17.55	15.43
36	17.29	15.19
36.5	17.03	14.95
37	16.77	14.71
37.5	16.50	14.47
38	16.24	14.23
38.5	15.98	13.99
39	15.72	13.75
39.5	15.45	13.51
40	15.19	13.27
40.5	15.00	13.09
41	14.81	12.92
41.5	14.62	12.74
42	14.43	12.57
42.5	14.24	12.39
43	14.05	12.21
43.5	13.86	12.04
44	13.67	11.86
44.5	13.48	11.69
45	13.29	11.51
45.5	13.10	11.34
46	12.90	11.16
46.5	12.71	10.99
47	12.52	10.81
47.5	12.33	10.64
48	12.14	10.46
48.5	11.95	10.29
49	11.76	10.11
49.5	11.57	9.94
50	11.38	9.76
50.5	11.36	9.72
51	11.33	9.67
51.5	11.31	9.63
52	11.28	9.58
52.5	11.26	9.54
53	11.23	9.49
53.5	11.21	9.45
54	11.18	9.40
54.5	11.16	9.36
55	11.13	9.31
55.5	11.11	9.27
56	11.09	9.22
56.5	11.06	9.18
57	11.04	9.13
57.5	11.01	9.09
58	10.99	9.04
58.5	10.96	9.00
59	10.94	8.95
59.5	10.91	8.91
60	10.89	8.86
60.5	10.77	8.78
61	10.65	8.69
61.5	10.53	8.61
62	10.41	8.52
62.5	10.30	8.44
63	10.18	8.36
63.5	10.06	8.27
64	9.94	8.19
64.5	9.82	8.10
65	9.70	8.02
65.5	9.58	7.93
66	9.47	7.85
66.5	9.35	7.76
67	9.23	7.68
67.5	9.11	7.60
68	8.99	7.51
68.5	8.87	7.43
69	8.75	7.34
69.5	8.63	7.26
70	8.52	7.17
70.5	8.50	7.09
71	8.48	7.02
71.5	8.46	6.94
72	8.44	6.86
73	8.41	6.70
73.5	8.39	6.62
74	8.37	6.54
74.5	8.35	6.46
75	8.34	6.39
75.5	8.32	6.31
76	8.30	6.23
76.5	8.28	6.15
77	8.26	6.07
78	8.23	5.91
78.5	8.21	5.84
79	8.19	5.76
79.5	8.17	5.68
80	8.16	5.60
80.5	8.09	5.60
81	8.02	5.61
81.5	7.95	5.61
82	7.89	5.62
82.5	7.82	5.62
83	7.75	5.62
83.5	7.69	5.63
84	7.62	5.63
84.5	7.55	5.64
85	7.48	5.64
85.5	7.42	5.65
86	7.35	5.65
86.5	7.28	5.65
87	7.22	5.66
87.5	7.15	5.66
88	7.08	5.67
88.5	7.01	5.67
89	6.95	5.68
89.5	6.88	5.68
90	6.81	5.68
90.5	6.68	5.62
91	6.55	5.56
91.5	6.42	5.50
92	6.29	5.44
93	6.03	5.32
93.5	5.90	5.25
94	5.77	5.19
94.5	5.64	5.13
95	5.51	5.07
95.5	5.38	5.01
96	5.25	4.95
96.5	5.13	4.89
97	5.00	4.82
97.5	4.87	4.76
98	4.74	4.70
98.5	4.61	4.64
99	4.48	4.58
99.5	4.35	4.52
100	4.22	4.46

Figure 9. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Age (years)
Percent denied

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	58.99	59.05	57.46	55.79	54.16
0.5	58.10	58.07	56.52	54.86	53.09
1	57.20	57.09	55.58	53.93	52.01
1.5	56.31	56.11	54.64	53.01	50.94
2	55.41	55.13	53.70	52.08	49.87
2.5	54.52	54.15	52.76	51.15	48.79
3	53.62	53.17	51.81	50.22	47.72
3.5	52.73	52.19	50.87	49.29	46.65
4	51.84	51.21	49.93	48.36	45.58
4.5	50.94	50.23	48.99	47.43	44.50
5	50.05	49.25	48.05	46.50	43.43
5.5	49.15	48.27	47.11	45.57	42.36
6	48.26	47.29	46.17	44.64	41.28
6.5	47.37	46.31	45.23	43.71	40.21
7	46.47	45.33	44.29	42.78	39.14
7.5	45.58	44.35	43.35	41.85	38.06
8	44.68	43.37	42.41	40.92	36.99
8.5	43.79	42.39	41.47	39.99	35.92
9	42.89	41.41	40.53	39.06	34.85
9.5	42.00	40.43	39.59	38.13	33.77
10	41.11	39.45	38.65	37.20	32.70
10.5	40.96	39.03	38.11	36.68	32.28
11	40.82	38.60	37.56	36.15	31.85
11.5	40.68	38.17	37.02	35.62	31.43
12	40.54	37.74	36.48	35.09	31.00
12.5	40.39	37.32	35.94	34.56	30.58
13	40.25	36.89	35.40	34.04	30.15
13.5	40.11	36.46	34.86	33.51	29.73
14	39.97	36.03	34.31	32.98	29.31
14.5	39.82	35.61	33.77	32.45	28.88
15	39.68	35.18	33.23	31.92	28.46
15.5	39.54	34.75	32.69	31.40	28.03
16	39.40	34.32	32.15	30.87	27.61
16.5	39.26	33.90	31.61	30.34	27.18
17	39.11	33.47	31.06	29.81	26.76
17.5	38.97	33.04	30.52	29.28	26.34
18	38.83	32.61	29.98	28.75	25.91
18.5	38.69	32.18	29.44	28.23	25.49
19	38.54	31.76	28.90	27.70	25.06
19.5	38.40	31.33	28.36	27.17	24.64
20	38.26	30.90	27.81	26.64	24.21
20.5	37.42	30.36	27.42	26.22	23.73
21	36.58	29.82	27.03	25.81	23.25
21.5	35.74	29.28	26.64	25.39	22.77
22	34.90	28.74	26.25	24.97	22.29
22.5	34.06	28.20	25.86	24.55	21.80
23	33.22	27.66	25.47	24.13	21.32
23.5	32.38	27.12	25.08	23.71	20.84
24	31.54	26.58	24.68	23.30	20.36
24.5	30.70	26.04	24.29	22.88	19.88
25	29.85	25.50	23.90	22.46	19.39
25.5	29.01	24.96	23.51	22.04	18.91
26	28.17	24.42	23.12	21.62	18.43
26.5	27.33	23.88	22.73	21.21	17.95
27	26.49	23.34	22.34	20.79	17.47
27.5	25.65	22.79	21.95	20.37	16.98
28	24.81	22.25	21.55	19.95	16.50
28.5	23.97	21.71	21.16	19.53	16.02
29	23.13	21.17	20.77	19.12	15.54
29.5	22.29	20.63	20.38	18.70	15.06
30	21.45	20.09	19.99	18.28	14.57
30.5	21.20	19.83	19.66	18.06	14.43
31	20.96	19.56	19.33	17.85	14.29
31.5	20.71	19.30	19.00	17.63	14.15
32	20.47	19.03	18.67	17.41	14.01
32.5	20.22	18.77	18.34	17.19	13.87
33	19.98	18.50	18.01	16.98	13.73
33.5	19.73	18.24	17.68	16.76	13.59
34	19.48	17.97	17.35	16.54	13.45
34.5	19.24	17.71	17.02	16.33	13.31
35	18.99	17.44	16.69	16.11	13.17
35.5	18.75	17.18	16.36	15.89	13.03
36	18.50	16.91	16.03	15.68	12.89
36.5	18.26	16.65	15.70	15.46	12.75
37	18.01	16.39	15.37	15.24	12.60
37.5	17.76	16.12	15.04	15.03	12.46
38	17.52	15.86	14.71	14.81	12.32
38.5	17.27	15.59	14.37	14.59	12.18
39	17.03	15.33	14.04	14.37	12.04
39.5	16.78	15.06	13.71	14.16	11.90
40	16.54	14.80	13.38	13.94	11.76
40.5	16.34	14.59	13.28	13.77	11.55
41	16.14	14.38	13.17	13.59	11.34
41.5	15.94	14.17	13.07	13.42	11.13
42	15.73	13.96	12.96	13.24	10.91
42.5	15.53	13.75	12.86	13.06	10.70
43	15.33	13.55	12.75	12.89	10.49
43.5	15.13	13.34	12.65	12.71	10.28
44	14.93	13.13	12.54	12.54	10.07
44.5	14.73	12.92	12.44	12.36	9.86
45	14.53	12.71	12.33	12.19	9.65
45.5	14.33	12.50	12.23	12.01	9.43
46	14.13	12.29	12.12	11.84	9.22
46.5	13.93	12.09	12.02	11.66	9.01
47	13.73	11.88	11.91	11.49	8.80
47.5	13.53	11.67	11.81	11.31	8.59
48	13.33	11.46	11.70	11.14	8.38
48.5	13.13	11.25	11.60	10.96	8.17
49	12.93	11.04	11.49	10.79	7.95
49.5	12.73	10.83	11.39	10.61	7.74
50	12.53	10.63	11.28	10.44	7.53
50.5	12.45	10.62	11.20	10.43	7.52
51	12.36	10.61	11.12	10.42	7.51
51.5	12.27	10.60	11.04	10.42	7.51
52	12.19	10.59	10.96	10.41	7.50
52.5	12.10	10.58	10.88	10.40	7.49
53	12.02	10.57	10.80	10.40	7.48
53.5	11.93	10.56	10.72	10.39	7.47
54	11.85	10.55	10.64	10.38	7.46
54.5	11.76	10.54	10.56	10.37	7.46
55	11.68	10.53	10.48	10.37	7.45
55.5	11.59	10.52	10.40	10.36	7.44
56	11.51	10.51	10.32	10.35	7.43
56.5	11.42	10.50	10.24	10.35	7.42
57	11.34	10.49	10.16	10.34	7.41
57.5	11.25	10.48	10.08	10.33	7.41
58	11.17	10.47	10.00	10.33	7.40
58.5	11.08	10.46	9.92	10.32	7.39
59	11.00	10.45	9.84	10.31	7.38
59.5	10.91	10.44	9.76	10.31	7.37
60	10.83	10.43	9.68	10.30	7.36
60.5	10.79	10.38	9.65	10.14	7.25
61	10.74	10.33	9.63	9.99	7.14
61.5	10.70	10.28	9.60	9.84	7.02
62	10.66	10.23	9.57	9.68	6.91
62.5	10.62	10.18	9.54	9.53	6.80
63	10.57	10.13	9.52	9.37	6.68
63.5	10.53	10.08	9.49	9.22	6.57
64	10.49	10.03	9.46	9.06	6.45
64.5	10.45	9.98	9.44	8.91	6.34
65	10.41	9.94	9.41	8.76	6.23
65.5	10.36	9.89	9.38	8.60	6.11
66	10.32	9.84	9.35	8.45	6.00
66.5	10.28	9.79	9.33	8.29	5.88
67	10.24	9.74	9.30	8.14	5.77
67.5	10.19	9.69	9.27	7.98	5.66
68	10.15	9.64	9.25	7.83	5.54
68.5	10.11	9.59	9.22	7.68	5.43
69	10.07	9.54	9.19	7.52	5.31
69.5	10.03	9.49	9.16	7.37	5.20
70	9.98	9.44	9.14	7.21	5.09
70.5	10.01	9.39	9.10	7.24	5.04
71	10.05	9.35	9.05	7.27	5.00
71.5	10.08	9.30	9.01	7.30	4.96
72	10.11	9.25	8.97	7.33	4.92
73	10.17	9.16	8.89	7.39	4.83
73.5	10.20	9.11	8.85	7.42	4.79
74	10.23	9.06	8.80	7.45	4.75
74.5	10.27	9.02	8.76	7.48	4.70
75	10.30	8.97	8.72	7.51	4.66
75.5	10.33	8.92	8.68	7.54	4.62
76	10.36	8.88	8.64	7.57	4.58
76.5	10.39	8.83	8.59	7.60	4.53
77	10.42	8.78	8.55	7.63	4.49
78	10.49	8.69	8.47	7.69	4.41
78.5	10.52	8.64	8.43	7.72	4.37
79	10.55	8.60	8.39	7.75	4.32
79.5	10.58	8.55	8.34	7.78	4.28
80	10.61	8.50	8.30	7.81	4.24
80.5	10.57	8.49	8.27	7.74	4.26
81	10.53	8.48	8.25	7.68	4.29
81.5	10.49	8.47	8.22	7.62	4.32
82	10.45	8.46	8.19	7.55	4.34
82.5	10.40	8.44	8.16	7.49	4.37
83	10.36	8.43	8.13	7.42	4.39
83.5	10.32	8.42	8.11	7.36	4.42
84	10.28	8.41	8.08	7.29	4.45
84.5	10.24	8.40	8.05	7.23	4.47
85	10.20	8.39	8.02	7.17	4.50
85.5	10.16	8.38	7.99	7.10	4.52
86	10.12	8.37	7.96	7.04	4.55
86.5	10.08	8.35	7.94	6.97	4.58
87	10.03	8.34	7.91	6.91	4.60
87.5	9.99	8.33	7.88	6.84	4.63
88	9.95	8.32	7.85	6.78	4.65
88.5	9.91	8.31	7.82	6.72	4.68
89	9.87	8.30	7.80	6.65	4.71
89.5	9.83	8.29	7.77	6.59	4.73
90	9.79	8.27	7.74	6.52	4.76
90.5	10.13	8.16	7.64	6.49	4.69
91	10.48	8.06	7.55	6.45	4.62
91.5	10.83	7.95	7.45	6.42	4.56
92	11.18	7.84	7.36	6.38	4.49
93	11.87	7.62	7.16	6.31	4.35
93.5	12.22	7.51	7.07	6.28	4.29
94	12.57	7.40	6.97	6.24	4.22
94.5	12.91	7.29	6.88	6.21	4.15
95	13.26	7.18	6.78	6.17	4.08
95.5	13.61	7.07	6.68	6.14	4.02
96	13.96	6.97	6.59	6.10	3.95
96.5	14.30	6.86	6.49	6.07	3.88
97	14.65	6.75	6.40	6.03	3.81
97.5	15.00	6.64	6.30	6.00	3.75
98	15.35	6.53	6.20	5.96	3.68
98.5	15.69	6.42	6.11	5.92	3.61
99	16.04	6.31	6.01	5.89	3.54
99.5	16.39	6.20	5.92	5.85	3.48
100	16.74	6.09	5.82	5.82	3.41

Figure 9. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Marital status
Percent denied

Score	Married male	Single male	Married female	Single female
0	56.32	61.12	56.72	58.44
0.5	55.46	59.96	55.73	57.53
1	54.60	58.80	54.75	56.61
1.5	53.74	57.65	53.76	55.70
2	52.88	56.49	52.78	54.78
2.5	52.02	55.34	51.80	53.87
3	51.16	54.18	50.81	52.96
3.5	50.30	53.02	49.83	52.04
4	49.44	51.87	48.84	51.13
4.5	48.58	50.71	47.86	50.22
5	47.72	49.56	46.88	49.30
5.5	46.86	48.40	45.89	48.39
6	46.00	47.24	44.91	47.47
6.5	45.14	46.09	43.92	46.56
7	44.28	44.93	42.94	45.65
7.5	43.42	43.77	41.95	44.73
8	42.56	42.62	40.97	43.82
8.5	41.70	41.46	39.99	42.91
9	40.84	40.31	39.00	41.99
9.5	39.98	39.15	38.02	41.08
10	39.12	37.99	37.03	40.16
10.5	38.58	37.70	36.65	39.67
11	38.04	37.41	36.26	39.17
11.5	37.50	37.12	35.88	38.67
12	36.97	36.82	35.49	38.18
12.5	36.43	36.53	35.11	37.68
13	35.89	36.24	34.72	37.18
13.5	35.35	35.95	34.34	36.68
14	34.82	35.65	33.95	36.19
14.5	34.28	35.36	33.57	35.69
15	33.74	35.07	33.18	35.19
15.5	33.21	34.78	32.80	34.69
16	32.67	34.49	32.41	34.20
16.5	32.13	34.19	32.03	33.70
17	31.59	33.90	31.64	33.20
17.5	31.06	33.61	31.26	32.70
18	30.52	33.32	30.87	32.21
18.5	29.98	33.02	30.48	31.71
19	29.44	32.73	30.10	31.21
19.5	28.91	32.44	29.71	30.72
20	28.37	32.15	29.33	30.22
20.5	27.95	31.56	28.70	29.71
21	27.54	30.98	28.07	29.20
21.5	27.12	30.40	27.45	28.69
22	26.70	29.82	26.82	28.19
22.5	26.29	29.24	26.19	27.68
23	25.87	28.66	25.56	27.17
23.5	25.46	28.08	24.93	26.66
24	25.04	27.50	24.31	26.16
24.5	24.62	26.92	23.68	25.65
25	24.21	26.34	23.05	25.14
25.5	23.79	25.76	22.42	24.63
26	23.38	25.18	21.80	24.12
26.5	22.96	24.60	21.17	23.62
27	22.54	24.02	20.54	23.11
27.5	22.13	23.44	19.91	22.60
28	21.71	22.86	19.29	22.09
28.5	21.30	22.27	18.66	21.58
29	20.88	21.69	18.03	21.08
29.5	20.46	21.11	17.40	20.57
30	20.05	20.53	16.77	20.06
30.5	19.77	20.33	16.51	19.76
31	19.50	20.12	16.24	19.47
31.5	19.22	19.91	15.97	19.17
32	18.95	19.71	15.70	18.87
32.5	18.67	19.50	15.44	18.57
33	18.39	19.30	15.17	18.28
33.5	18.12	19.09	14.90	17.98
34	17.84	18.89	14.63	17.68
34.5	17.57	18.68	14.37	17.39
35	17.29	18.47	14.10	17.09
35.5	17.02	18.27	13.83	16.79
36	16.74	18.06	13.56	16.49
36.5	16.47	17.86	13.30	16.20
37	16.19	17.65	13.03	15.90
37.5	15.92	17.44	12.76	15.60
38	15.64	17.24	12.50	15.31
38.5	15.37	17.03	12.23	15.01
39	15.09	16.83	11.96	14.71
39.5	14.82	16.62	11.69	14.41
40	14.54	16.41	11.43	14.12
40.5	14.35	16.17	11.33	13.95
41	14.16	15.93	11.24	13.79
41.5	13.96	15.69	11.14	13.62
42	13.77	15.45	11.05	13.46
42.5	13.58	15.21	10.95	13.29
43	13.39	14.97	10.86	13.13
43.5	13.19	14.72	10.76	12.96
44	13.00	14.48	10.67	12.80
44.5	12.81	14.24	10.57	12.63
45	12.62	14.00	10.48	12.47
45.5	12.42	13.76	10.39	12.30
46	12.23	13.52	10.29	12.14
46.5	12.04	13.28	10.20	11.97
47	11.85	13.04	10.10	11.81
47.5	11.65	12.79	10.01	11.65
48	11.46	12.55	9.91	11.48
48.5	11.27	12.31	9.82	11.32
49	11.08	12.07	9.72	11.15
49.5	10.88	11.83	9.63	10.99
50	10.69	11.59	9.54	10.82
50.5	10.69	11.59	9.47	10.77
51	10.69	11.59	9.40	10.73
51.5	10.69	11.59	9.33	10.68
52	10.69	11.59	9.26	10.63
52.5	10.69	11.59	9.19	10.59
53	10.68	11.59	9.12	10.54
53.5	10.68	11.59	9.05	10.49
54	10.68	11.59	8.98	10.44
54.5	10.68	11.60	8.91	10.40
55	10.68	11.60	8.84	10.35
55.5	10.68	11.60	8.77	10.30
56	10.68	11.60	8.70	10.25
56.5	10.67	11.60	8.63	10.21
57	10.67	11.60	8.56	10.16
57.5	10.67	11.60	8.49	10.11
58	10.67	11.60	8.42	10.07
58.5	10.67	11.60	8.35	10.02
59	10.67	11.60	8.28	9.97
59.5	10.67	11.60	8.21	9.92
60	10.66	11.60	8.14	9.88
60.5	10.54	11.46	8.08	9.77
61	10.42	11.32	8.02	9.66
61.5	10.30	11.17	7.96	9.55
62	10.18	11.03	7.90	9.44
62.5	10.06	10.88	7.83	9.33
63	9.93	10.74	7.77	9.22
63.5	9.81	10.59	7.71	9.11
64	9.69	10.45	7.65	9.01
64.5	9.57	10.31	7.59	8.90
65	9.45	10.16	7.53	8.79
65.5	9.32	10.02	7.47	8.68
66	9.20	9.87	7.41	8.57
66.5	9.08	9.73	7.35	8.46
67	8.96	9.59	7.29	8.35
67.5	8.84	9.44	7.23	8.24
68	8.71	9.30	7.17	8.13
68.5	8.59	9.15	7.11	8.02
69	8.47	9.01	7.05	7.92
69.5	8.35	8.86	6.99	7.81
70	8.23	8.72	6.93	7.70
70.5	8.22	8.74	6.86	7.60
71	8.20	8.75	6.80	7.50
71.5	8.19	8.77	6.74	7.40
72	8.18	8.79	6.67	7.30
73	8.16	8.83	6.55	7.10
73.5	8.14	8.84	6.48	7.00
74	8.13	8.86	6.42	6.90
74.5	8.12	8.88	6.36	6.80
75	8.11	8.90	6.29	6.70
75.5	8.10	8.92	6.23	6.60
76	8.08	8.93	6.17	6.51
76.5	8.07	8.95	6.10	6.41
77	8.06	8.97	6.04	6.31
78	8.04	9.00	5.91	6.11
78.5	8.02	9.02	5.85	6.01
79	8.01	9.04	5.79	5.91
79.5	8.00	9.06	5.73	5.81
80	7.99	9.08	5.66	5.71
80.5	7.89	9.03	5.66	5.71
81	7.78	8.99	5.66	5.71
81.5	7.68	8.95	5.65	5.71
82	7.58	8.91	5.65	5.71
82.5	7.48	8.87	5.65	5.71
83	7.37	8.82	5.64	5.71
83.5	7.27	8.78	5.64	5.71
84	7.17	8.74	5.64	5.71
84.5	7.07	8.70	5.63	5.71
85	6.97	8.66	5.63	5.71
85.5	6.86	8.61	5.63	5.71
86	6.76	8.57	5.62	5.71
86.5	6.66	8.53	5.62	5.71
87	6.56	8.49	5.62	5.71
87.5	6.45	8.45	5.61	5.71
88	6.35	8.40	5.61	5.71
88.5	6.25	8.36	5.61	5.71
89	6.15	8.32	5.60	5.71
89.5	6.05	8.28	5.60	5.71
90	5.94	8.24	5.60	5.71
90.5	5.87	8.02	5.54	5.64
91	5.79	7.79	5.49	5.56
91.5	5.71	7.57	5.44	5.49
92	5.64	7.35	5.39	5.41
93	5.49	6.91	5.29	5.26
93.5	5.41	6.69	5.24	5.19
94	5.33	6.47	5.19	5.11
94.5	5.26	6.25	5.14	5.04
95	5.18	6.02	5.09	4.96
95.5	5.10	5.80	5.04	4.89
96	5.03	5.58	4.98	4.81
96.5	4.95	5.36	4.93	4.74
97	4.87	5.14	4.88	4.66
97.5	4.80	4.92	4.83	4.59
98	4.72	4.70	4.78	4.51
98.5	4.65	4.48	4.73	4.44
99	4.57	4.25	4.68	4.36
99.5	4.49	4.03	4.63	4.29
100	4.42	3.81	4.58	4.21

Figure 9. TransRisk Score: Inquiry-Based Proxy for Denials, by Demographic Group
Income ratio of tract
Percent denied

Score	Low	Moderate	Middle	High
0	59.80	56.52	57.09	59.50
0.5	59.00	55.64	56.13	58.44
1	58.21	54.77	55.17	57.38
1.5	57.41	53.89	54.20	56.32
2	56.61	53.02	53.24	55.26
2.5	55.81	52.14	52.27	54.20
3	55.01	51.27	51.31	53.13
3.5	54.21	50.40	50.35	52.07
4	53.41	49.52	49.38	51.01
4.5	52.62	48.65	48.42	49.95
5	51.82	47.77	47.46	48.89
5.5	51.02	46.90	46.49	47.83
6	50.22	46.02	45.53	46.77
6.5	49.42	45.15	44.56	45.70
7	48.62	44.27	43.60	44.64
7.5	47.82	43.40	42.64	43.58
8	47.02	42.53	41.67	42.52
8.5	46.23	41.65	40.71	41.46
9	45.43	40.78	39.75	40.40
9.5	44.63	39.90	38.78	39.34
10	43.83	39.03	37.82	38.27
10.5	43.28	38.56	37.36	37.82
11	42.73	38.09	36.90	37.36
11.5	42.17	37.62	36.44	36.91
12	41.62	37.15	35.98	36.45
12.5	41.07	36.68	35.52	36.00
13	40.52	36.21	35.06	35.54
13.5	39.96	35.74	34.59	35.08
14	39.41	35.27	34.13	34.63
14.5	38.86	34.80	33.67	34.17
15	38.31	34.33	33.21	33.72
15.5	37.76	33.85	32.75	33.26
16	37.20	33.38	32.29	32.81
16.5	36.65	32.91	31.83	32.35
17	36.10	32.44	31.37	31.89
17.5	35.55	31.97	30.91	31.44
18	34.99	31.50	30.45	30.98
18.5	34.44	31.03	29.99	30.53
19	33.89	30.56	29.53	30.07
19.5	33.34	30.09	29.07	29.62
20	32.79	29.62	28.61	29.16
20.5	32.15	29.11	28.10	28.66
21	31.52	28.60	27.60	28.16
21.5	30.89	28.08	27.09	27.66
22	30.26	27.57	26.58	27.16
22.5	29.62	27.06	26.08	26.66
23	28.99	26.54	25.57	26.17
23.5	28.36	26.03	25.06	25.67
24	27.73	25.52	24.56	25.17
24.5	27.09	25.01	24.05	24.67
25	26.46	24.49	23.54	24.17
25.5	25.83	23.98	23.04	23.67
26	25.20	23.47	22.53	23.17
26.5	24.57	22.95	22.02	22.67
27	23.93	22.44	21.52	22.17
27.5	23.30	21.93	21.01	21.67
28	22.67	21.41	20.50	21.18
28.5	22.04	20.90	20.00	20.68
29	21.40	20.39	19.49	20.18
29.5	20.77	19.88	18.98	19.68
30	20.14	19.36	18.48	19.18
30.5	19.88	19.15	18.24	18.92
31	19.61	18.94	18.00	18.66
31.5	19.35	18.73	17.76	18.40
32	19.09	18.52	17.52	18.14
32.5	18.82	18.31	17.29	17.88
33	18.56	18.09	17.05	17.62
33.5	18.30	17.88	16.81	17.36
34	18.03	17.67	16.57	17.10
34.5	17.77	17.46	16.33	16.84
35	17.51	17.25	16.09	16.58
35.5	17.24	17.04	15.86	16.32
36	16.98	16.83	15.62	16.06
36.5	16.72	16.61	15.38	15.80
37	16.46	16.40	15.14	15.53
37.5	16.19	16.19	14.90	15.27
38	15.93	15.98	14.66	15.01
38.5	15.67	15.77	14.43	14.75
39	15.40	15.56	14.19	14.49
39.5	15.14	15.35	13.95	14.23
40	14.88	15.13	13.71	13.97
40.5	14.81	14.91	13.52	13.79
41	14.73	14.68	13.33	13.61
41.5	14.66	14.46	13.13	13.42
42	14.59	14.23	12.94	13.24
42.5	14.52	14.01	12.75	13.05
43	14.45	13.78	12.55	12.87
43.5	14.38	13.56	12.36	12.69
44	14.31	13.33	12.17	12.50
44.5	14.24	13.11	11.97	12.32
45	14.17	12.89	11.78	12.13
45.5	14.10	12.66	11.59	11.95
46	14.03	12.44	11.39	11.77
46.5	13.95	12.21	11.20	11.58
47	13.88	11.99	11.01	11.40
47.5	13.81	11.76	10.81	11.21
48	13.74	11.54	10.62	11.03
48.5	13.67	11.31	10.43	10.85
49	13.60	11.09	10.23	10.66
49.5	13.53	10.86	10.04	10.48
50	13.46	10.64	9.85	10.30
50.5	13.34	10.59	9.82	10.23
51	13.23	10.54	9.80	10.17
51.5	13.12	10.49	9.78	10.10
52	13.00	10.45	9.75	10.04
52.5	12.89	10.40	9.73	9.97
53	12.77	10.35	9.70	9.91
53.5	12.66	10.30	9.68	9.84
54	12.54	10.26	9.66	9.78
54.5	12.43	10.21	9.63	9.71
55	12.31	10.16	9.61	9.65
55.5	12.20	10.11	9.59	9.58
56	12.09	10.07	9.56	9.52
56.5	11.97	10.02	9.54	9.45
57	11.86	9.97	9.51	9.39
57.5	11.74	9.92	9.49	9.32
58	11.63	9.88	9.47	9.26
58.5	11.51	9.83	9.44	9.19
59	11.40	9.78	9.42	9.12
59.5	11.29	9.73	9.39	9.06
60	11.17	9.69	9.37	8.99
60.5	10.85	9.51	9.23	8.89
61	10.52	9.33	9.08	8.79
61.5	10.20	9.15	8.94	8.69
62	9.88	8.97	8.80	8.58
62.5	9.55	8.79	8.66	8.48
63	9.23	8.61	8.51	8.38
63.5	8.91	8.43	8.37	8.28
64	8.58	8.25	8.23	8.17
64.5	8.26	8.07	8.08	8.07
65	7.94	7.89	7.94	7.97
65.5	7.61	7.71	7.80	7.87
66	7.29	7.53	7.65	7.76
66.5	6.96	7.35	7.51	7.66
67	6.64	7.17	7.37	7.56
67.5	6.32	6.99	7.22	7.46
68	5.99	6.81	7.08	7.35
68.5	5.67	6.63	6.94	7.25
69	5.35	6.45	6.80	7.15
69.5	5.02	6.27	6.65	7.05
70	4.70	6.10	6.51	6.94
70.5	4.67	6.13	6.50	6.95
71	4.64	6.17	6.48	6.96
71.5	4.60	6.20	6.47	6.97
72	4.57	6.24	6.46	6.98
73	4.51	6.31	6.43	6.99
73.5	4.48	6.34	6.42	7.00
74	4.44	6.38	6.41	7.01
74.5	4.41	6.41	6.40	7.02
75	4.38	6.44	6.38	7.03
75.5	4.35	6.48	6.37	7.03
76	4.32	6.51	6.36	7.04
76.5	4.28	6.55	6.34	7.05
77	4.25	6.58	6.33	7.06
78	4.19	6.65	6.31	7.08
78.5	4.16	6.69	6.29	7.08
79	4.12	6.72	6.28	7.09
79.5	4.09	6.76	6.27	7.10
80	4.06	6.79	6.26	7.11
80.5	4.58	6.76	6.25	7.06
81	5.09	6.73	6.24	7.02
81.5	5.61	6.70	6.23	6.97
82	6.12	6.67	6.22	6.93
82.5	6.64	6.64	6.21	6.89
83	7.16	6.61	6.20	6.84
83.5	7.67	6.58	6.20	6.80
84	8.19	6.55	6.19	6.75
84.5	8.71	6.52	6.18	6.71
85	9.22	6.49	6.17	6.66
85.5	9.74	6.46	6.16	6.62
86	10.25	6.43	6.15	6.57
86.5	10.77	6.40	6.14	6.53
87	11.29	6.36	6.14	6.48
87.5	11.80	6.33	6.13	6.44
88	12.32	6.30	6.12	6.39
88.5	12.84	6.27	6.11	6.35
89	13.35	6.24	6.10	6.30
89.5	13.87	6.21	6.09	6.26
90	14.38	6.18	6.08	6.22
90.5	13.54	6.05	5.97	6.15
91	12.70	5.92	5.85	6.09
91.5	11.86	5.79	5.74	6.03
92	11.02	5.66	5.62	5.97
93	9.34	5.39	5.39	5.85
93.5	8.50	5.26	5.27	5.79
94	7.66	5.13	5.16	5.72
94.5	6.82	5.00	5.04	5.66
95	5.98	4.87	4.93	5.60
95.5	5.14	4.74	4.81	5.54
96	4.30	4.61	4.70	5.48
96.5	3.46	4.48	4.58	5.42
97	2.62	4.35	4.46	5.36
97.5	1.78	4.21	4.35	5.30
98	0.94	4.08	4.23	5.23
98.5	0.10	3.95	4.12	5.17
99	0.00	3.82	4.00	5.11
99.5	0.00	3.69	3.89	5.05
100	0.00	3.56	3.77	4.99

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