<transcript><audio_31>nine for two and a half years and that's where they are today so that's a case where you can replace the traditional logistic regression methodology was something much more powerful and the key</transcript><transcript><audio_32>to it is this when you deal with the credit universe and this is what we're doing specifically at add to the traditional methodology of rating credit and determining risk which is to apply</transcript><transcript><audio_33>logistic regression primarily with FICO scores that actually works it works for the section of the cohort that is at FICO 700 and above which is why banks</transcript> nine for two and a half years and that's where they are today so that's a case where you can replace the traditional logistic regression methodology was something much more powerful and the key to it is this when you deal with the credit universe and this is what we're doing specifically at add to the traditional methodology of rating credit and determining risk which is to apply logistic regression primarily with FICO scores that actually works it works for the section of the cohort that is at FICO 700 and above which is why banks
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