---

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 Figure 1.

Figure 1. Cumulative Percentage of Goods and Bads, All Individuals

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

Figure 1. Cumulative Percentage of Goods and Bads, All Individuals
Panel A: FRB Base Score
[Figure 1 corrected as of Jan. 25 2008]
Percent

Score	Any- account (Good)	Any- account (Bad)	New- account (Good)	New- account (Bad)	Existing- account (Good)	Existing- account (Bad)	Random- account (Good)	Random- account (Bad)	Modified New- account (Good)	Modified New- account (Bad)
0	0.00	0.79	0.02	0.90	0.00	0.85	0.03	1.18	0.02	0.31
0.5	0.00	1.36	0.05	1.40	0.00	1.48	0.05	2.04	0.05	0.47
1	0.01	2.86	0.13	3.37	0.01	3.31	0.12	4.42	0.12	1.26
1.5	0.02	4.40	0.19	5.61	0.02	5.13	0.20	6.79	0.18	2.51
2	0.03	7.71	0.38	9.81	0.04	9.02	0.38	11.74	0.40	4.29
2.5	0.05	9.89	0.50	12.12	0.06	11.21	0.51	14.54	0.52	5.66
3	0.06	11.82	0.61	14.13	0.07	13.34	0.63	17.21	0.63	6.89
3.5	0.08	13.31	0.70	15.44	0.08	14.79	0.72	19.05	0.71	7.70
4	0.09	15.27	0.82	17.49	0.10	16.99	0.85	21.81	0.84	8.93
4.5	0.11	16.96	0.92	18.83	0.12	18.50	0.97	23.70	0.91	9.80
5	0.13	18.86	1.06	20.75	0.14	20.53	1.11	26.15	1.05	10.96
5.5	0.16	20.18	1.15	22.08	0.16	21.84	1.22	27.76	1.15	11.86
6	0.19	22.05	1.31	23.64	0.19	23.78	1.38	30.02	1.29	12.91
6.5	0.21	23.43	1.41	25.29	0.21	25.15	1.50	31.70	1.37	14.04
7	0.25	25.40	1.55	27.08	0.24	27.10	1.67	34.04	1.51	15.16
7.5	0.27	26.69	1.66	28.43	0.27	28.26	1.79	35.38	1.62	16.03
8	0.32	28.71	1.84	30.31	0.31	30.14	1.99	37.60	1.79	17.26
8.5	0.34	29.87	1.95	31.26	0.33	31.39	2.11	39.04	1.89	18.02
9	0.39	32.02	2.14	32.98	0.39	33.38	2.33	41.41	2.09	19.30
9.5	0.42	33.26	2.24	34.22	0.42	34.57	2.46	42.81	2.20	20.01
10	0.47	35.13	2.44	35.65	0.47	36.42	2.68	44.95	2.40	21.10
10.5	0.51	36.50	2.59	37.03	0.52	37.71	2.84	46.41	2.57	22.28
11	0.58	38.35	2.78	38.72	0.58	39.46	3.08	48.40	2.77	23.61
11.5	0.62	39.60	2.92	39.89	0.62	40.62	3.23	49.74	2.90	24.60
12	0.69	41.35	3.13	41.45	0.69	42.42	3.48	51.72	3.10	26.14
12.5	0.74	42.46	3.27	42.38	0.75	43.56	3.65	52.91	3.24	26.95
13	0.82	44.11	3.49	43.83	0.82	45.19	3.91	54.62	3.46	28.27
13.5	0.88	45.31	3.65	44.75	0.88	46.26	4.09	55.78	3.61	29.10
14	0.94	46.87	3.87	46.13	0.95	47.92	4.34	57.53	3.83	30.31
14.5	1.00	47.96	4.04	47.02	1.00	48.96	4.51	58.64	4.00	31.00
15	1.10	49.54	4.32	48.42	1.10	50.54	4.82	60.26	4.27	32.51
15.5	1.18	50.64	4.53	49.34	1.18	51.72	5.05	61.42	4.47	33.34
16	1.32	52.42	4.87	50.88	1.32	53.47	5.42	63.23	4.80	34.79
16.5	1.41	53.53	5.07	52.26	1.42	54.64	5.67	64.40	4.99	36.23
17	1.56	55.21	5.42	53.52	1.56	56.33	6.06	66.02	5.35	37.72
17.5	1.64	56.30	5.66	54.45	1.64	57.38	6.31	67.03	5.58	38.62
18	1.79	57.72	6.00	55.63	1.80	58.85	6.68	68.46	5.93	39.76
18.5	1.90	58.73	6.26	56.80	1.91	59.88	6.93	69.49	6.18	40.97
19	2.05	60.20	6.64	58.03	2.07	61.35	7.33	70.83	6.57	42.36
19.5	2.17	61.11	6.92	58.72	2.19	62.29	7.61	71.69	6.86	43.22
20	2.35	62.48	7.29	60.20	2.39	63.66	8.03	72.95	7.26	45.11
20.5	2.50	63.42	7.61	60.96	2.54	64.61	8.35	73.79	7.59	45.92
21	2.73	64.80	8.06	62.45	2.78	65.97	8.83	75.02	8.10	47.45
21.5	2.89	65.74	8.37	63.40	2.95	66.88	9.16	75.83	8.42	48.54
22	3.10	67.04	8.80	64.54	3.17	68.16	9.64	76.98	8.90	49.87
22.5	3.29	67.91	9.16	65.15	3.36	69.06	10.00	77.71	9.26	50.72
23	3.56	69.07	9.65	66.27	3.64	70.19	10.49	78.73	9.79	52.19
23.5	3.73	69.84	9.98	67.02	3.82	70.97	10.83	79.36	10.16	52.92
24	4.01	70.91	10.47	68.06	4.11	72.05	11.34	80.27	10.71	54.23
24.5	4.21	71.66	10.81	68.79	4.31	72.84	11.69	80.89	11.08	55.06
25	4.53	72.75	11.37	70.05	4.65	73.87	12.25	81.73	11.68	56.86
25.5	4.76	73.40	11.75	70.68	4.87	74.56	12.61	82.27	12.06	57.64
26	5.12	74.38	12.35	71.66	5.24	75.56	13.19	83.02	12.68	58.80
26.5	5.37	75.02	12.77	72.29	5.50	76.19	13.58	83.47	13.12	59.65
27	5.75	75.97	13.37	73.10	5.89	77.10	14.16	84.17	13.78	60.60
27.5	6.02	76.60	13.82	73.65	6.16	77.71	14.59	84.60	14.24	61.09
28	6.43	77.49	14.46	74.52	6.58	78.66	15.21	85.30	14.97	62.28
28.5	6.69	78.05	14.89	75.20	6.86	79.23	15.60	85.78	15.42	63.30
29	7.14	78.87	15.59	76.02	7.32	80.09	16.24	86.39	16.19	64.60
29.5	7.41	79.38	16.03	76.69	7.60	80.59	16.64	86.75	16.67	65.36
30	7.87	80.11	16.79	77.53	8.07	81.34	17.27	87.31	17.48	66.71
30.5	8.16	80.53	17.24	78.08	8.37	81.76	17.65	87.62	17.94	67.49
31	8.59	81.11	17.87	78.87	8.80	82.35	18.22	88.06	18.61	68.51
31.5	8.88	81.54	18.28	79.32	9.10	82.78	18.60	88.38	19.05	69.10
32	9.37	82.21	19.02	79.86	9.60	83.43	19.23	88.86	19.87	70.09
32.5	9.70	82.63	19.52	80.33	9.94	83.84	19.66	89.15	20.38	70.66
33	10.20	83.21	20.30	80.94	10.45	84.42	20.30	89.57	21.17	71.56
33.5	10.62	83.65	20.85	81.49	10.87	84.86	20.79	89.90	21.76	72.25
34	11.24	84.26	21.71	82.10	11.49	85.45	21.54	90.31	22.71	73.22
34.5	11.68	84.68	22.31	82.73	11.95	85.94	22.05	90.66	23.37	74.14
35	12.22	85.20	23.08	83.34	12.50	86.46	22.69	91.03	24.22	75.21
35.5	12.57	85.54	23.54	83.77	12.86	86.81	23.09	91.30	24.74	75.80
36	13.04	86.09	24.20	84.52	13.34	87.35	23.65	91.74	25.49	77.03
36.5	13.39	86.40	24.66	85.06	13.69	87.63	24.05	91.97	25.99	77.74
37	13.92	86.87	25.38	85.67	14.23	88.09	24.66	92.31	26.83	78.66
37.5	14.41	87.21	26.03	86.23	14.72	88.39	25.19	92.55	27.54	79.54
38	14.99	87.67	26.81	86.85	15.32	88.85	25.84	92.85	28.37	80.77
38.5	15.41	87.97	27.37	87.21	15.74	89.11	26.30	93.06	29.01	81.29
39	16.08	88.45	28.22	87.86	16.41	89.57	27.02	93.39	29.95	82.17
39.5	16.64	88.79	28.84	88.31	16.98	89.90	27.59	93.64	30.60	82.83
40	17.26	89.17	29.66	88.85	17.61	90.30	28.25	93.90	31.47	83.66
40.5	17.66	89.39	30.12	89.15	18.01	90.53	28.65	94.09	32.01	84.11
41	18.41	89.85	30.95	89.76	18.75	90.99	29.41	94.48	32.88	84.94
41.5	18.82	90.13	31.46	90.12	19.17	91.28	29.85	94.71	33.43	85.63
42	19.47	90.49	32.25	90.57	19.83	91.62	30.51	94.96	34.32	86.41
42.5	19.88	90.73	32.76	90.85	20.24	91.85	30.94	95.12	34.87	86.91
43	20.58	91.08	33.62	91.16	20.94	92.20	31.65	95.34	35.76	87.62
43.5	21.06	91.31	34.18	91.39	21.42	92.40	32.13	95.49	36.30	88.18
44	21.74	91.64	35.03	91.86	22.10	92.70	32.81	95.69	37.19	88.85
44.5	22.24	91.88	35.61	92.16	22.61	92.94	33.30	95.87	37.84	89.42
45	22.90	92.14	36.43	92.54	23.27	93.19	33.94	96.04	38.74	89.84
45.5	23.28	92.29	36.86	92.75	23.66	93.30	34.33	96.13	39.21	90.24
46	24.01	92.55	37.62	93.01	24.38	93.60	35.02	96.34	39.98	90.62
46.5	24.45	92.69	38.11	93.19	24.82	93.73	35.44	96.43	40.51	90.88
47	25.10	92.96	38.89	93.56	25.47	93.96	36.08	96.58	41.34	91.43
47.5	25.61	93.10	39.44	93.72	25.98	94.08	36.56	96.67	41.88	91.71
48	26.42	93.35	40.26	94.17	26.80	94.34	37.33	96.83	42.76	92.38
48.5	27.01	93.53	40.88	94.39	27.39	94.49	37.88	96.92	43.41	92.66
49	27.78	93.73	41.71	94.53	28.17	94.67	38.60	97.04	44.27	92.85
49.5	28.30	93.89	42.27	94.73	28.69	94.80	39.08	97.13	44.85	93.06
50	29.00	94.10	42.99	94.94	29.40	94.98	39.74	97.26	45.58	93.30
50.5	29.53	94.23	43.53	95.10	29.93	95.09	40.22	97.34	46.13	93.51
51	30.20	94.39	44.26	95.37	30.60	95.25	40.85	97.41	46.88	93.94
51.5	30.76	94.52	44.78	95.59	31.16	95.34	41.36	97.49	47.39	94.29
52	31.50	94.67	45.57	95.73	31.89	95.47	42.03	97.55	48.24	94.53
52.5	31.96	94.80	46.08	95.89	32.36	95.59	42.46	97.63	48.78	94.81
53	32.69	94.96	46.90	96.04	33.09	95.73	43.14	97.72	49.60	95.00
53.5	33.30	95.08	47.51	96.14	33.69	95.84	43.70	97.77	50.25	95.15
54	34.15	95.26	48.45	96.41	34.55	95.99	44.47	97.87	51.24	95.41
54.5	34.71	95.37	49.03	96.54	35.11	96.09	44.98	97.93	51.83	95.60
55	35.64	95.53	49.96	96.68	36.03	96.24	45.81	98.01	52.77	95.74
55.5	36.11	95.60	50.46	96.79	36.50	96.30	46.23	98.04	53.27	95.88
56	36.95	95.74	51.28	96.88	37.34	96.42	46.98	98.11	54.10	96.00
56.5	37.48	95.80	51.78	96.90	37.87	96.48	47.45	98.13	54.59	96.02
57	38.35	95.93	52.59	96.97	38.73	96.58	48.21	98.18	55.40	96.16
57.5	38.79	95.99	53.04	96.99	39.16	96.62	48.59	98.20	55.86	96.19
58	39.54	96.10	53.79	97.09	39.92	96.73	49.26	98.26	56.65	96.31
58.5	40.20	96.18	54.37	97.13	40.57	96.80	49.84	98.30	57.22	96.35
59	40.92	96.31	55.14	97.24	41.29	96.92	50.48	98.36	57.98	96.45
59.5	41.48	96.40	55.66	97.40	41.85	96.99	50.98	98.40	58.52	96.71
60	42.52	96.51	56.40	97.44	42.87	97.10	51.86	98.47	59.27	96.73
60.5	42.90	96.56	56.82	97.47	43.26	97.13	52.20	98.48	59.69	96.78
61	43.53	96.64	57.46	97.61	43.89	97.20	52.76	98.52	60.34	96.92
61.5	43.95	96.72	57.88	97.69	44.31	97.28	53.13	98.57	60.77	97.02
62	44.66	96.80	58.65	97.72	45.01	97.33	53.74	98.60	61.50	97.06
62.5	45.03	96.84	59.06	97.76	45.38	97.38	54.06	98.62	61.91	97.11
63	45.83	96.96	59.76	97.92	46.18	97.47	54.76	98.67	62.60	97.35
63.5	46.24	96.99	60.16	97.97	46.59	97.49	55.11	98.69	63.02	97.40
64	46.96	97.08	60.82	98.05	47.31	97.59	55.73	98.74	63.67	97.49
64.5	48.16	97.19	61.38	98.15	48.49	97.68	56.74	98.80	64.20	97.66
65	48.99	97.27	62.05	98.24	49.32	97.74	57.45	98.84	64.84	97.75
65.5	49.37	97.30	62.44	98.26	49.70	97.77	57.78	98.85	65.27	97.77
66	50.34	97.39	63.21	98.33	50.66	97.84	58.60	98.91	66.03	97.87
66.5	50.81	97.46	63.69	98.37	51.13	97.89	59.02	98.94	66.51	97.89
67	51.54	97.53	64.37	98.42	51.86	97.95	59.64	98.96	67.23	97.94
67.5	52.11	97.59	64.92	98.46	52.43	97.99	60.13	98.98	67.78	97.96
68	52.82	97.67	65.59	98.51	53.13	98.05	60.73	99.02	68.46	98.08
68.5	53.37	97.71	66.15	98.53	53.69	98.08	61.20	99.03	69.05	98.11
69	54.33	97.79	67.02	98.64	54.64	98.16	62.01	99.07	69.87	98.22
69.5	55.02	97.84	67.64	98.65	55.33	98.21	62.60	99.09	70.48	98.25
70	55.86	97.90	68.40	98.73	56.16	98.25	63.31	99.10	71.22	98.41
70.5	56.38	97.93	68.88	98.74	56.68	98.27	63.75	99.12	71.68	98.41
71	57.06	97.96	69.46	98.76	57.36	98.30	64.33	99.13	72.23	98.44
71.5	57.76	98.02	70.00	98.76	58.05	98.35	64.92	99.16	72.75	98.44
72	58.60	98.08	70.78	98.82	58.89	98.40	65.63	99.18	73.50	98.51
72.5	59.07	98.10	71.14	98.82	59.36	98.42	66.02	99.19	73.83	98.51
73	59.91	98.15	71.82	98.85	60.19	98.45	66.73	99.21	74.48	98.56
73.5	60.88	98.21	72.51	98.89	61.15	98.50	67.54	99.23	75.08	98.60
74	61.82	98.26	73.25	98.94	62.08	98.55	68.32	99.25	75.76	98.70
74.5	62.63	98.30	73.81	98.94	62.89	98.58	69.00	99.26	76.30	98.70
75	63.76	98.35	74.50	98.96	64.02	98.62	69.94	99.30	76.88	98.70
75.5	64.06	98.36	74.74	98.98	64.31	98.63	70.19	99.30	77.10	98.72
76	64.84	98.41	75.30	99.01	65.09	98.68	70.85	99.32	77.62	98.74
76.5	65.23	98.44	75.52	99.01	65.47	98.71	71.17	99.34	77.82	98.74
77	65.89	98.49	76.05	99.03	66.13	98.75	71.72	99.35	78.30	98.77
77.5	66.70	98.52	76.47	99.05	66.93	98.78	72.39	99.37	78.68	98.79
78	67.44	98.55	77.03	99.09	67.67	98.81	73.00	99.38	79.19	98.82
78.5	68.05	98.58	77.43	99.10	68.27	98.84	73.50	99.40	79.56	98.84
79	69.06	98.63	77.93	99.12	69.27	98.87	74.34	99.41	80.00	98.84
79.5	69.86	98.67	78.40	99.14	70.07	98.91	75.00	99.43	80.40	98.86
80	71.50	98.74	79.08	99.21	71.68	98.95	76.35	99.47	80.95	98.93
80.5	71.80	98.75	79.29	99.23	71.98	98.97	76.60	99.48	81.15	98.96
81	73.03	98.82	79.85	99.25	73.21	99.03	77.62	99.52	81.64	98.98
81.5	73.82	98.86	80.14	99.25	73.98	99.07	78.26	99.55	81.89	98.98
82	74.24	98.89	80.44	99.26	74.41	99.10	78.62	99.56	82.16	99.01
82.5	74.78	98.92	80.91	99.28	74.94	99.13	79.07	99.57	82.58	99.01
83	75.16	98.95	81.27	99.30	75.32	99.16	79.39	99.59	82.93	99.01
83.5	75.74	98.97	81.63	99.30	75.90	99.17	79.87	99.60	83.22	99.01
84	76.43	99.00	82.18	99.34	76.59	99.19	80.45	99.60	83.72	99.05
84.5	77.45	99.03	82.60	99.34	77.60	99.24	81.28	99.64	84.09	99.05
85	79.01	99.07	83.37	99.41	79.15	99.26	82.56	99.65	84.73	99.17
85.5	79.23	99.08	83.59	99.41	79.36	99.27	82.74	99.65	84.94	99.17
86	80.93	99.14	84.46	99.50	81.05	99.33	84.14	99.68	85.68	99.27
86.5	81.31	99.16	84.71	99.52	81.43	99.34	84.46	99.69	85.92	99.31
87	81.98	99.19	85.29	99.53	82.09	99.37	85.01	99.70	86.44	99.36
87.5	82.21	99.21	85.51	99.55	82.32	99.38	85.21	99.70	86.65	99.38
88	82.80	99.24	86.05	99.57	82.91	99.39	85.70	99.71	87.17	99.38
88.5	83.37	99.26	86.35	99.57	83.47	99.42	86.18	99.72	87.45	99.38
89	84.11	99.31	86.90	99.61	84.21	99.46	86.80	99.74	87.93	99.46
89.5	84.53	99.34	87.33	99.61	84.63	99.48	87.15	99.75	88.33	99.46
90	85.74	99.38	88.14	99.61	85.83	99.53	88.15	99.76	89.05	99.46
90.5	86.88	99.44	88.93	99.66	86.96	99.56	89.10	99.77	89.77	99.53
91	87.39	99.46	89.47	99.66	87.47	99.58	89.53	99.78	90.28	99.53
91.5	87.79	99.48	89.83	99.66	87.86	99.60	89.86	99.79	90.61	99.53
92	88.76	99.52	90.65	99.71	88.83	99.63	90.66	99.82	91.38	99.62
92.5	89.28	99.55	91.18	99.71	89.35	99.66	91.10	99.83	91.90	99.62
93	90.83	99.63	92.20	99.77	90.89	99.72	92.39	99.87	92.82	99.76
93.5	91.14	99.65	92.54	99.77	91.20	99.73	92.65	99.88	93.15	99.76
94	91.92	99.67	93.20	99.77	91.97	99.75	93.29	99.89	93.77	99.76
94.5	92.41	99.68	93.66	99.80	92.46	99.76	93.69	99.89	94.21	99.81
95	93.13	99.71	94.41	99.82	93.17	99.77	94.29	99.90	94.91	99.83
95.5	94.00	99.76	95.24	99.84	94.04	99.81	95.02	99.91	95.63	99.83
96	95.18	99.81	96.13	99.89	95.21	99.84	96.00	99.92	96.42	99.91
96.5	95.61	99.83	96.55	99.93	95.64	99.87	96.35	99.94	96.79	99.95
97	96.25	99.86	97.20	99.96	96.28	99.89	96.89	99.94	97.39	99.98
97.5	98.08	99.94	98.22	99.96	98.09	99.96	98.40	99.99	98.33	99.98
98	99.23	99.96	99.30	99.98	99.24	99.97	99.36	99.99	99.35	99.98
98.5	99.51	99.97	99.55	99.98	99.51	99.98	99.59	99.99	99.59	99.98
99	99.83	99.99	99.87	99.98	99.83	99.99	99.86	100.00	99.88	99.98
99.5	99.94	100.00	99.94	99.98	99.94	99.99	99.95	100.00	99.95	99.98
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 1. Cumulative Percentage of Goods and Bads, All Individuals
Panel B: TransRisk Score
[Figure 1 corrected as of Jan. 25 2008]
Percent

Score	Any- account (Good)	Any- account (Bad)	New- account (Good)	New- account (Bad)	Existing- account (Good)	Existing- account (Bad)	Random- account (Good)	Random- account (Bad)	Modified New- account (Good)	Modified New- account (Bad)
0	0.00	0.06	0.00	0.14	0.00	0.07	0.00	0.10	0.00	0.12
0.5	0.01	1.40	0.03	1.90	0.01	1.58	0.06	2.19	0.04	0.90
1	0.05	5.91	0.28	7.59	0.06	6.47	0.34	8.62	0.27	3.79
1.5	0.06	7.24	0.33	9.24	0.07	7.90	0.42	10.49	0.34	4.62
2	0.09	8.97	0.44	11.19	0.10	9.79	0.52	12.91	0.43	5.83
2.5	0.11	10.42	0.55	12.91	0.12	11.30	0.63	14.83	0.54	6.94
3	0.15	12.59	0.72	15.01	0.16	13.55	0.81	17.65	0.69	8.26
3.5	0.19	14.40	0.85	16.80	0.20	15.37	0.96	19.99	0.81	9.42
4	0.23	16.30	0.98	18.42	0.24	17.25	1.12	22.28	0.94	10.61
4.5	0.24	16.94	1.04	19.03	0.25	17.89	1.18	23.07	0.98	11.08
5	0.31	19.83	1.26	22.27	0.33	20.76	1.45	26.67	1.22	13.69
5.5	0.39	22.08	1.48	24.64	0.41	23.01	1.69	29.44	1.44	15.53
6	0.45	24.34	1.68	27.06	0.47	25.17	1.94	32.07	1.65	17.36
6.5	0.49	25.56	1.79	28.16	0.51	26.34	2.08	33.43	1.76	18.21
7	0.57	27.68	2.00	30.04	0.59	28.44	2.34	35.91	1.97	19.89
7.5	0.61	28.65	2.10	31.08	0.63	29.34	2.46	37.03	2.06	20.86
8	0.68	30.37	2.29	33.05	0.70	30.94	2.67	38.95	2.25	22.76
8.5	0.71	31.17	2.39	33.72	0.73	31.68	2.78	39.80	2.36	23.21
9	0.76	32.33	2.53	34.65	0.79	32.80	2.93	41.06	2.49	24.11
9.5	0.80	33.28	2.65	35.60	0.83	33.67	3.06	42.08	2.62	25.15
10	0.87	34.51	2.82	36.76	0.90	34.90	3.24	43.48	2.77	25.88
10.5	0.93	35.38	2.95	37.52	0.96	35.69	3.38	44.34	2.89	26.71
11	1.01	36.77	3.11	38.59	1.04	36.94	3.59	45.78	3.08	27.68
11.5	1.07	38.04	3.30	40.14	1.10	38.34	3.79	47.23	3.26	28.79
12	1.19	40.34	3.68	42.49	1.23	41.05	4.20	49.76	3.65	30.64
12.5	1.28	41.55	3.93	43.63	1.32	42.47	4.46	51.08	3.93	31.59
13	1.40	43.08	4.30	44.98	1.45	44.14	4.80	52.61	4.31	32.87
13.5	1.48	44.36	4.52	46.38	1.53	45.69	5.03	54.20	4.53	33.67
14	1.62	46.59	4.90	48.62	1.68	48.45	5.44	56.97	4.88	35.07
14.5	1.70	47.79	5.11	49.80	1.76	49.87	5.68	58.38	5.09	36.11
15	1.83	49.58	5.46	51.22	1.89	51.99	6.07	60.43	5.44	37.51
15.5	1.93	50.58	5.68	51.99	2.00	53.09	6.31	61.49	5.66	38.29
16	2.08	52.03	6.01	53.30	2.15	54.77	6.66	63.08	6.00	39.52
16.5	2.21	53.03	6.30	54.14	2.28	55.88	6.94	64.11	6.31	40.33
17	2.36	54.24	6.64	55.00	2.44	57.20	7.29	65.32	6.65	41.06
17.5	2.47	55.01	6.88	55.79	2.55	58.03	7.51	66.12	6.88	41.96
18	2.63	56.15	7.21	56.76	2.72	59.23	7.85	67.27	7.22	43.07
18.5	2.74	56.92	7.48	57.25	2.84	60.06	8.10	68.00	7.50	43.67
19	2.92	57.92	7.83	57.94	3.02	61.14	8.44	68.98	7.88	44.42
19.5	3.03	58.62	8.08	58.38	3.13	61.82	8.67	69.60	8.11	44.87
20	3.25	62.17	8.51	60.60	3.34	64.04	9.09	72.42	8.55	46.67
20.5	3.37	63.23	8.74	61.30	3.46	64.93	9.31	73.39	8.80	47.24
21	3.56	64.57	9.08	62.46	3.65	66.07	9.67	74.55	9.16	48.52
21.5	3.69	65.27	9.30	63.11	3.78	66.68	9.90	75.16	9.40	49.16
22	3.89	66.20	9.64	63.92	3.99	67.55	10.25	75.97	9.78	50.11
22.5	4.06	66.85	9.91	64.49	4.16	68.16	10.52	76.55	10.06	50.89
23	4.25	67.80	10.32	65.33	4.36	69.14	10.88	77.38	10.49	51.86
23.5	4.43	68.70	10.65	66.37	4.54	70.15	11.24	78.17	10.83	52.97
24	4.76	70.10	11.27	67.68	4.87	71.64	11.84	79.38	11.51	54.37
24.5	4.96	70.84	11.66	68.38	5.08	72.39	12.20	79.98	11.94	55.29
25	5.24	71.75	12.16	69.57	5.37	73.26	12.65	80.75	12.49	56.86
25.5	5.45	72.33	12.51	70.28	5.57	73.90	12.97	81.29	12.88	57.94
26	5.73	73.19	13.01	71.16	5.86	74.75	13.43	82.03	13.45	59.03
26.5	5.98	73.97	13.45	72.06	6.12	75.55	13.84	82.66	13.96	59.89
27	6.39	75.01	14.18	73.21	6.54	76.66	14.47	83.52	14.81	61.35
27.5	6.63	75.65	14.58	74.01	6.79	77.32	14.84	84.06	15.25	62.37
28	7.06	76.56	15.32	74.91	7.23	78.21	15.49	84.75	16.09	63.44
28.5	7.32	77.16	15.77	75.59	7.51	78.80	15.89	85.21	16.60	64.65
29	7.88	78.14	16.61	76.65	8.08	79.72	16.66	85.93	17.52	66.23
29.5	8.20	78.69	17.11	77.21	8.40	80.27	17.08	86.37	18.06	66.90
30	8.63	79.40	17.79	78.08	8.85	81.02	17.67	86.94	18.80	68.03
30.5	8.91	79.88	18.23	78.52	9.12	81.51	18.05	87.30	19.28	68.51
31	9.45	80.65	19.00	79.48	9.68	82.30	18.74	87.94	20.12	69.83
31.5	9.73	81.08	19.48	79.97	9.98	82.75	19.13	88.30	20.68	70.47
32	10.19	81.65	20.12	80.63	10.44	83.37	19.69	88.76	21.38	71.68
32.5	10.56	82.13	20.73	81.15	10.83	83.83	20.17	89.10	22.06	72.48
33	11.02	82.70	21.40	81.85	11.29	84.36	20.74	89.51	22.83	73.43
33.5	11.42	83.12	21.90	82.37	11.70	84.77	21.20	89.84	23.36	74.14
34	11.92	83.71	22.65	83.16	12.20	85.39	21.81	90.32	24.20	75.70
34.5	12.38	84.14	23.28	83.73	12.67	85.80	22.34	90.63	24.86	76.44
35	13.06	84.84	24.24	84.31	13.36	86.52	23.15	91.16	25.92	77.46
35.5	13.30	85.12	24.56	84.67	13.60	86.80	23.44	91.37	26.28	78.03
36	14.03	85.72	25.57	85.38	14.35	87.40	24.26	91.79	27.38	79.09
36.5	14.38	85.96	25.96	85.62	14.69	87.62	24.63	91.96	27.78	79.37
37	15.19	86.57	27.12	86.28	15.52	88.18	25.54	92.37	29.01	80.39
37.5	15.51	86.82	27.57	86.66	15.84	88.43	25.89	92.54	29.47	80.89
38	16.32	87.41	28.68	87.27	16.66	88.99	26.77	92.92	30.64	81.74
38.5	16.63	87.64	29.09	87.45	16.97	89.21	27.11	93.07	31.07	81.96
39	17.29	88.20	29.99	88.16	17.63	89.76	27.86	93.48	32.06	83.14
39.5	17.53	88.38	30.31	88.34	17.88	89.95	28.13	93.59	32.45	83.33
40	18.07	88.74	31.01	88.76	18.42	90.28	28.72	93.83	33.20	84.11
40.5	18.51	89.00	31.59	89.13	18.86	90.53	29.19	94.00	33.86	84.66
41	19.13	89.38	32.40	89.53	19.48	90.86	29.86	94.23	34.75	85.22
41.5	19.43	89.54	32.77	89.69	19.79	91.01	30.18	94.33	35.15	85.41
42	20.13	90.00	33.69	90.17	20.50	91.43	30.93	94.61	36.14	86.17
42.5	20.56	90.25	34.24	90.64	20.93	91.64	31.39	94.76	36.77	86.98
43	21.22	90.61	35.11	91.00	21.60	91.97	32.09	95.01	37.69	87.50
43.5	21.66	90.81	35.70	91.19	22.04	92.16	32.54	95.11	38.31	87.85
44	22.44	91.13	36.66	91.57	22.82	92.46	33.30	95.34	39.31	88.37
44.5	23.09	91.43	37.43	92.02	23.48	92.71	33.94	95.52	40.12	88.99
45	23.66	91.70	38.13	92.36	24.05	92.93	34.52	95.67	40.85	89.42
45.5	24.29	91.94	38.88	92.54	24.68	93.15	35.14	95.80	41.63	89.75
46	24.95	92.23	39.65	92.88	25.35	93.43	35.80	95.98	42.48	90.29
46.5	25.39	92.39	40.16	93.11	25.80	93.58	36.23	96.06	43.04	90.53
47	26.32	92.68	41.21	93.45	26.73	93.84	37.12	96.23	44.14	91.33
47.5	26.74	92.82	41.68	93.54	27.15	93.95	37.51	96.30	44.64	91.43
48	27.70	93.05	42.62	93.92	28.12	94.16	38.40	96.47	45.63	91.95
48.5	28.17	93.18	43.12	94.03	28.59	94.28	38.85	96.54	46.14	92.07
49	28.72	93.35	43.69	94.21	29.14	94.42	39.37	96.62	46.74	92.35
49.5	29.33	93.52	44.31	94.33	29.74	94.58	39.94	96.71	47.38	92.52
50	30.12	93.71	45.09	94.49	30.53	94.72	40.66	96.82	48.17	92.87
50.5	30.50	93.81	45.50	94.53	30.91	94.81	41.02	96.86	48.59	92.97
51	31.25	94.00	46.31	94.73	31.66	94.95	41.70	96.95	49.49	93.25
51.5	31.79	94.12	46.95	94.89	32.19	95.06	42.20	97.04	50.16	93.46
52	32.52	94.30	47.78	95.12	32.93	95.25	42.88	97.15	51.04	93.80
52.5	33.04	94.42	48.37	95.18	33.46	95.35	43.36	97.22	51.68	93.94
53	33.77	94.59	49.18	95.36	34.19	95.49	44.03	97.32	52.47	94.15
53.5	34.42	94.77	49.92	95.55	34.84	95.61	44.63	97.40	53.25	94.48
54	35.22	94.98	50.80	95.86	35.64	95.82	45.37	97.53	54.12	94.81
54.5	35.61	95.07	51.28	95.98	36.04	95.90	45.73	97.58	54.61	94.96
55	36.50	95.25	52.26	96.22	36.92	96.04	46.52	97.68	55.64	95.29
55.5	36.98	95.34	52.75	96.40	37.40	96.11	46.96	97.73	56.13	95.52
56	37.77	95.48	53.48	96.48	38.19	96.23	47.65	97.80	56.88	95.62
56.5	38.27	95.56	54.03	96.56	38.69	96.28	48.09	97.84	57.46	95.74
57	39.10	95.72	54.88	96.70	39.52	96.41	48.84	97.92	58.29	95.88
57.5	39.58	95.83	55.36	96.79	39.99	96.50	49.27	97.98	58.80	96.00
58	40.38	95.96	56.22	96.93	40.80	96.61	49.99	98.04	59.67	96.28
58.5	40.94	96.05	56.82	96.99	41.36	96.70	50.48	98.09	60.31	96.33
59	41.74	96.19	57.63	97.15	42.15	96.84	51.18	98.20	61.11	96.54
59.5	42.31	96.26	58.21	97.18	42.72	96.89	51.68	98.24	61.68	96.57
60	43.23	96.40	59.06	97.29	43.63	97.02	52.49	98.32	62.56	96.64
60.5	43.65	96.46	59.48	97.35	44.05	97.07	52.86	98.35	62.95	96.73
61	44.33	96.54	60.14	97.49	44.72	97.14	53.44	98.39	63.60	96.90
61.5	44.99	96.63	60.79	97.60	45.39	97.21	54.03	98.44	64.24	96.99
62	45.66	96.70	61.44	97.63	46.05	97.28	54.61	98.47	64.91	97.06
62.5	46.38	96.80	62.15	97.76	46.77	97.35	55.24	98.50	65.63	97.18
63	47.07	96.90	62.73	97.83	47.45	97.44	55.83	98.57	66.21	97.35
63.5	47.88	97.03	63.45	97.92	48.26	97.57	56.54	98.64	66.89	97.47
64	48.69	97.17	64.23	98.10	49.06	97.69	57.25	98.73	67.66	97.63
64.5	49.08	97.20	64.55	98.13	49.45	97.71	57.58	98.75	68.00	97.66
65	49.91	97.31	65.26	98.21	50.27	97.79	58.29	98.81	68.64	97.70
65.5	50.39	97.37	65.68	98.24	50.75	97.83	58.70	98.84	69.05	97.75
66	51.19	97.45	66.41	98.26	51.55	97.89	59.39	98.88	69.74	97.77
66.5	51.85	97.48	66.79	98.30	52.20	97.91	59.94	98.89	70.10	97.80
67	52.30	97.51	67.19	98.31	52.64	97.93	60.31	98.90	70.50	97.82
67.5	53.33	97.64	68.02	98.46	53.67	98.03	61.21	98.95	71.31	97.99
68	53.66	97.67	68.29	98.46	54.00	98.06	61.50	98.97	71.59	97.99
68.5	54.09	97.69	68.70	98.48	54.43	98.08	61.86	98.98	71.98	98.01
69	55.13	97.79	69.49	98.57	55.46	98.16	62.73	99.03	72.74	98.11
69.5	55.70	97.83	70.07	98.60	56.02	98.19	63.21	99.05	73.31	98.13
70	56.28	97.88	70.51	98.60	56.60	98.23	63.70	99.07	73.72	98.13
70.5	56.86	97.93	70.99	98.64	57.18	98.26	64.20	99.09	74.18	98.20
71	57.33	97.97	71.40	98.71	57.65	98.29	64.59	99.10	74.59	98.37
71.5	57.77	98.01	71.81	98.73	58.08	98.33	64.96	99.12	74.99	98.37
72	58.76	98.09	72.67	98.76	59.08	98.40	65.81	99.16	75.82	98.41
73	59.89	98.19	73.59	98.82	60.20	98.48	66.76	99.20	76.71	98.56
73.5	60.38	98.24	74.00	98.89	60.69	98.53	67.18	99.23	77.11	98.67
74	60.95	98.28	74.45	98.89	61.25	98.56	67.65	99.24	77.54	98.67
74.5	61.94	98.34	75.05	98.94	62.23	98.61	68.48	99.27	78.11	98.74
75	62.86	98.40	75.46	99.01	63.14	98.67	69.24	99.31	78.47	98.82
75.5	63.46	98.44	75.93	99.05	63.74	98.70	69.75	99.32	78.93	98.84
76	64.01	98.47	76.39	99.12	64.28	98.73	70.21	99.34	79.37	98.93
76.5	64.70	98.51	77.02	99.14	64.97	98.76	70.79	99.35	79.98	98.96
77	66.17	98.62	78.04	99.23	66.43	98.85	72.02	99.41	80.90	99.10
78	67.46	98.70	79.01	99.28	67.71	98.92	73.10	99.45	81.77	99.19
78.5	67.99	98.73	79.40	99.28	68.23	98.93	73.54	99.45	82.11	99.19
79	68.77	98.77	79.96	99.28	69.01	98.98	74.19	99.47	82.62	99.19
79.5	69.32	98.80	80.36	99.30	69.55	99.00	74.65	99.49	82.98	99.27
80	70.02	98.84	80.90	99.34	70.25	99.03	75.25	99.50	83.48	99.31
80.5	70.83	98.88	81.40	99.37	71.06	99.06	75.92	99.52	83.92	99.34
81	72.12	98.95	82.44	99.41	72.34	99.11	77.00	99.54	84.86	99.36
81.5	72.73	98.98	82.89	99.43	72.94	99.13	77.50	99.55	85.25	99.36
82	73.30	99.00	83.32	99.43	73.51	99.15	77.98	99.56	85.66	99.36
82.5	73.94	99.02	83.81	99.44	74.14	99.16	78.51	99.57	86.11	99.38
83	74.59	99.06	84.32	99.44	74.79	99.20	79.05	99.59	86.62	99.38
83.5	75.48	99.09	84.88	99.46	75.67	99.24	79.79	99.61	87.12	99.41
84	76.52	99.15	85.74	99.50	76.71	99.28	80.66	99.62	87.87	99.41
84.5	77.10	99.17	86.19	99.50	77.29	99.30	81.14	99.63	88.26	99.41
85	77.68	99.19	86.67	99.52	77.86	99.33	81.61	99.64	88.71	99.43
85.5	78.89	99.23	87.54	99.53	79.06	99.35	82.61	99.65	89.50	99.46
86	79.56	99.25	88.03	99.55	79.73	99.36	83.17	99.65	89.93	99.48
86.5	80.39	99.28	88.74	99.57	80.55	99.39	83.86	99.66	90.55	99.50
87	80.89	99.31	89.15	99.64	81.05	99.41	84.27	99.67	90.91	99.60
87.5	81.86	99.34	89.94	99.66	82.01	99.44	85.07	99.68	91.62	99.62
88	82.35	99.36	90.31	99.66	82.50	99.46	85.48	99.69	91.96	99.62
88.5	83.31	99.42	91.05	99.70	83.46	99.50	86.28	99.70	92.59	99.64
89	83.85	99.44	91.45	99.71	83.99	99.53	86.73	99.71	92.94	99.67
89.5	84.98	99.48	92.22	99.73	85.11	99.56	87.66	99.72	93.60	99.69
90	85.56	99.50	92.63	99.73	85.69	99.58	88.15	99.73	93.96	99.69
90.5	86.13	99.54	93.00	99.75	86.25	99.61	88.61	99.74	94.27	99.72
91	86.48	99.56	93.23	99.77	86.60	99.63	88.91	99.76	94.47	99.74
91.5	87.06	99.58	93.66	99.77	87.17	99.65	89.38	99.76	94.83	99.74
92	87.90	99.62	94.24	99.80	88.01	99.67	90.08	99.78	95.35	99.79
93	89.09	99.65	94.92	99.80	89.20	99.71	91.06	99.79	95.91	99.79
93.5	90.10	99.69	95.39	99.80	90.19	99.75	91.89	99.81	96.29	99.79
94	90.94	99.72	95.72	99.82	91.02	99.77	92.58	99.84	96.54	99.81
94.5	92.28	99.78	96.20	99.84	92.34	99.83	93.67	99.88	96.90	99.83
95	93.34	99.81	96.70	99.86	93.40	99.86	94.54	99.90	97.31	99.86
95.5	93.76	99.83	96.92	99.86	93.81	99.87	94.89	99.90	97.48	99.86
96	94.87	99.86	97.45	99.91	94.92	99.90	95.80	99.92	97.91	99.91
96.5	95.19	99.87	97.60	99.91	95.24	99.90	96.06	99.92	98.04	99.91
97	96.01	99.90	98.03	99.93	96.05	99.92	96.74	99.94	98.39	99.91
97.5	97.14	99.94	98.56	99.93	97.17	99.95	97.66	99.96	98.83	99.91
98	98.66	99.97	99.31	99.98	98.67	99.97	98.90	99.97	99.45	99.98
98.5	99.52	100.00	99.73	100.00	99.53	100.00	99.61	100.00	99.78	100.00
99	99.89	100.00	99.95	100.00	99.89	100.00	99.91	100.00	99.96	100.00
99.5	99.97	100.00	99.99	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	100.00	100.00

Figure 1. Cumulative Percentage of Goods and Bads, All Individuals
Panel C: VantageScore
[Figure 1 corrected as of Jan. 25 2008]
Percent

Score	Any- account (Good)	Any- account (Bad)	New- account (Good)	New- account (Bad)	Existing- account (Good)	Existing- account (Bad)	Random- account (Good)	Random- account (Bad)	Modified New- account (Good)	Modified New- account (Bad)
0	0.03	6.56	0.25	7.69	0.03	7.53	0.23	10.34	0.21	3.08
0.5	0.03	7.01	0.27	8.14	0.04	8.01	0.25	11.00	0.22	3.29
1	0.04	7.49	0.30	8.63	0.04	8.51	0.27	11.70	0.24	3.46
1.5	0.04	8.01	0.32	9.07	0.05	9.03	0.28	12.42	0.25	3.74
2	0.05	8.83	0.34	9.90	0.05	9.85	0.33	13.53	0.27	4.19
2.5	0.05	9.45	0.38	10.55	0.06	10.44	0.36	14.34	0.30	4.50
3	0.07	11.52	0.46	12.34	0.07	12.40	0.44	16.98	0.38	5.56
3.5	0.08	12.66	0.52	13.43	0.08	13.44	0.50	18.40	0.42	6.35
4	0.11	14.78	0.62	15.42	0.11	15.43	0.61	21.05	0.51	7.39
4.5	0.13	16.48	0.72	16.97	0.12	16.94	0.71	23.05	0.59	8.48
5	0.15	18.30	0.83	18.85	0.14	18.67	0.81	25.33	0.70	9.47
5.5	0.17	19.70	0.92	20.28	0.16	19.93	0.90	26.98	0.77	10.47
6	0.20	21.49	1.03	22.11	0.19	21.55	1.03	29.11	0.88	11.84
6.5	0.23	22.57	1.14	22.97	0.22	22.61	1.14	30.37	0.98	12.38
7	0.28	24.50	1.31	24.75	0.26	24.51	1.30	32.70	1.13	13.57
7.5	0.31	26.00	1.40	26.17	0.30	26.00	1.42	34.55	1.23	14.56
8	0.36	27.89	1.58	27.69	0.35	27.88	1.59	36.80	1.39	15.70
8.5	0.38	28.86	1.64	28.71	0.37	28.86	1.68	38.00	1.45	16.58
9	0.44	30.73	1.81	30.63	0.42	30.76	1.87	40.28	1.63	18.35
9.5	0.49	32.30	1.96	32.32	0.47	32.41	2.05	42.20	1.75	19.42
10	0.59	34.56	2.19	34.24	0.56	34.46	2.30	44.68	1.98	20.72
10.5	0.63	35.58	2.32	35.28	0.60	35.53	2.44	45.90	2.09	21.57
11	0.72	37.68	2.57	37.43	0.69	37.69	2.72	48.31	2.36	23.32
11.5	0.76	38.71	2.73	38.38	0.73	38.77	2.88	49.43	2.53	24.11
12	0.84	40.10	2.93	39.65	0.80	40.28	3.11	51.02	2.73	25.36
12.5	0.88	41.08	3.07	40.64	0.85	41.33	3.27	52.13	2.86	26.50
13	0.97	42.55	3.28	42.00	0.94	42.91	3.52	53.83	3.09	27.89
13.5	1.03	43.53	3.44	43.13	1.00	43.99	3.70	54.99	3.26	28.91
14	1.17	45.53	3.77	45.28	1.15	46.12	4.09	57.20	3.58	30.88
14.5	1.25	46.54	3.95	46.34	1.22	47.16	4.28	58.29	3.79	32.18
15	1.37	48.05	4.22	47.70	1.34	48.82	4.58	59.99	4.08	33.53
15.5	1.44	49.06	4.39	48.76	1.41	49.96	4.80	61.11	4.27	34.41
16	1.60	51.11	4.83	50.59	1.58	52.16	5.25	63.22	4.73	36.04
16.5	1.69	52.13	5.05	51.79	1.68	53.26	5.49	64.31	4.98	37.18
17	1.86	53.57	5.41	53.37	1.85	54.84	5.87	65.81	5.38	39.05
17.5	1.96	54.51	5.64	54.50	1.95	55.83	6.11	66.77	5.61	40.28
18	2.14	55.96	6.02	55.92	2.14	57.36	6.52	68.24	5.99	41.65
18.5	2.23	56.89	6.22	56.96	2.24	58.35	6.77	69.19	6.25	43.03
19	2.50	58.78	6.80	58.90	2.51	60.30	7.34	70.98	6.85	45.25
19.5	2.63	59.79	7.10	60.10	2.66	61.40	7.65	71.98	7.18	46.72
20	2.88	61.19	7.60	61.42	2.91	62.92	8.13	73.32	7.73	48.64
20.5	3.03	62.01	7.91	62.37	3.06	63.76	8.42	74.11	8.05	49.59
21	3.27	63.31	8.38	63.77	3.30	65.10	8.89	75.32	8.57	51.01
21.5	3.45	64.21	8.75	64.60	3.49	66.02	9.23	76.12	9.01	52.05
22	3.70	65.45	9.26	65.85	3.75	67.31	9.72	77.21	9.60	53.68
22.5	3.88	66.25	9.59	66.89	3.94	68.12	10.04	77.89	9.94	55.17
23	4.17	67.43	10.10	67.97	4.24	69.33	10.54	78.92	10.51	56.74
23.5	4.35	68.23	10.47	68.97	4.43	70.17	10.88	79.67	10.95	57.99
24	4.67	69.43	11.08	70.10	4.76	71.38	11.43	80.70	11.60	59.39
24.5	4.92	70.19	11.54	70.89	5.02	72.14	11.84	81.31	12.07	60.19
25	5.26	71.26	12.12	72.01	5.37	73.22	12.39	82.17	12.73	61.54
25.5	5.49	71.92	12.53	72.78	5.60	73.86	12.75	82.70	13.21	62.54
26	5.86	72.94	13.15	73.80	5.97	74.96	13.31	83.50	13.88	63.89
26.5	6.13	73.72	13.58	74.84	6.25	75.81	13.71	84.21	14.37	65.45
27	6.48	74.65	14.17	75.77	6.62	76.66	14.26	84.88	15.06	66.78
27.5	6.75	75.22	14.57	76.29	6.90	77.24	14.65	85.30	15.52	67.37
28	7.18	76.08	15.23	77.22	7.33	78.11	15.24	86.00	16.23	68.58
28.5	7.56	76.86	15.83	77.94	7.72	78.88	15.79	86.56	16.85	69.36
29	8.02	77.64	16.53	78.84	8.19	79.68	16.39	87.20	17.60	70.61
29.5	8.32	78.20	16.97	79.30	8.48	80.24	16.79	87.63	18.06	71.13
30	8.79	79.02	17.72	79.97	8.97	81.05	17.43	88.25	18.87	72.15
30.5	9.13	79.50	18.18	80.58	9.31	81.50	17.86	88.58	19.37	73.03
31	9.45	79.99	18.65	81.19	9.64	81.98	18.28	88.93	19.86	73.83
31.5	9.82	80.51	19.16	81.73	10.01	82.50	18.74	89.30	20.40	74.54
32	10.34	81.27	19.92	82.59	10.54	83.23	19.41	89.83	21.25	75.66
32.5	10.70	81.60	20.45	82.93	10.91	83.57	19.82	90.06	21.84	76.06
33	11.33	82.33	21.28	83.66	11.55	84.32	20.57	90.59	22.71	77.10
33.5	11.77	82.83	21.89	84.27	11.99	84.80	21.08	90.99	23.32	77.91
34	12.19	83.28	22.47	84.86	12.41	85.20	21.58	91.27	23.93	78.76
34.5	12.63	83.73	23.06	85.28	12.85	85.64	22.09	91.56	24.58	79.37
35	13.31	84.34	23.93	86.03	13.54	86.22	22.85	91.98	25.46	80.37
35.5	13.73	84.80	24.50	86.42	13.96	86.64	23.35	92.27	26.07	80.89
36	14.16	85.22	25.08	86.78	14.40	87.02	23.85	92.55	26.70	81.48
36.5	14.61	85.64	25.65	87.14	14.85	87.43	24.35	92.86	27.30	82.00
37	15.30	86.22	26.53	87.86	15.55	88.00	25.11	93.26	28.23	83.02
37.5	15.52	86.39	26.82	87.97	15.77	88.18	25.36	93.37	28.55	83.14
38	16.22	86.97	27.73	88.45	16.48	88.71	26.13	93.76	29.50	83.78
38.5	16.71	87.28	28.36	88.77	16.98	89.01	26.65	93.96	30.15	84.23
39	17.20	87.58	28.97	89.06	17.47	89.29	27.17	94.13	30.77	84.51
39.5	17.64	87.85	29.51	89.42	17.91	89.54	27.64	94.30	31.37	85.08
40	18.32	88.35	30.37	90.03	18.60	90.01	28.37	94.61	32.28	86.22
40.5	18.83	88.63	30.90	90.44	19.11	90.25	28.89	94.78	32.84	86.83
41	19.36	88.91	31.48	90.82	19.65	90.50	29.42	94.97	33.45	87.35
41.5	19.87	89.17	32.08	91.09	20.17	90.77	29.95	95.16	34.09	87.76
42	20.60	89.58	32.94	91.68	20.90	91.18	30.71	95.41	35.01	88.61
42.5	20.85	89.69	33.21	91.88	21.15	91.28	30.95	95.48	35.32	88.87
43	21.56	90.03	34.08	92.20	21.86	91.59	31.70	95.66	36.23	89.44
43.5	22.03	90.28	34.64	92.45	22.34	91.83	32.18	95.79	36.84	89.84
44	22.52	90.49	35.19	92.63	22.83	92.02	32.67	95.92	37.40	90.05
44.5	23.18	90.85	35.95	92.93	23.49	92.38	33.37	96.12	38.22	90.55
45	23.93	91.15	36.82	93.19	24.25	92.67	34.11	96.26	39.14	91.03
45.5	24.22	91.26	37.13	93.33	24.53	92.77	34.39	96.33	39.48	91.29
46	25.02	91.58	37.97	93.67	25.33	93.09	35.18	96.53	40.37	91.81
46.5	25.56	91.80	38.52	93.81	25.87	93.30	35.71	96.63	40.93	92.00
47	26.09	92.01	39.10	94.12	26.41	93.49	36.23	96.74	41.53	92.59
47.5	26.65	92.18	39.70	94.33	26.97	93.66	36.77	96.84	42.16	92.99
48	27.32	92.44	40.44	94.51	27.64	93.90	37.44	96.97	42.93	93.30
48.5	27.86	92.60	41.00	94.75	28.18	94.06	37.95	97.08	43.54	93.61
49	28.66	92.85	41.87	94.85	28.98	94.26	38.71	97.20	44.42	93.77
49.5	28.92	92.92	42.15	94.87	29.25	94.33	38.96	97.23	44.69	93.80
50	29.70	93.15	42.93	95.09	30.03	94.55	39.70	97.34	45.53	94.13
50.5	30.23	93.28	43.46	95.14	30.55	94.66	40.20	97.38	46.07	94.25
51	31.02	93.48	44.29	95.28	31.35	94.81	40.94	97.46	46.94	94.34
51.5	31.56	93.62	44.89	95.36	31.88	94.92	41.44	97.53	47.53	94.44
52	32.33	93.81	45.65	95.43	32.65	95.09	42.16	97.62	48.29	94.48
52.5	32.64	93.88	45.95	95.48	32.95	95.17	42.44	97.67	48.58	94.58
53	33.44	94.09	46.75	95.77	33.76	95.34	43.20	97.77	49.41	94.96
53.5	33.98	94.21	47.31	95.88	34.31	95.42	43.69	97.81	49.98	95.07
54	34.78	94.38	48.09	95.96	35.11	95.58	44.43	97.90	50.78	95.15
54.5	35.34	94.52	48.65	96.09	35.68	95.68	44.95	97.97	51.33	95.26
55	36.20	94.74	49.46	96.32	36.54	95.85	45.75	98.06	52.19	95.52
55.5	36.49	94.81	49.75	96.38	36.83	95.93	46.01	98.09	52.49	95.57
56	37.36	94.95	50.55	96.50	37.70	96.04	46.79	98.14	53.27	95.76
56.5	37.91	95.05	51.03	96.61	38.25	96.14	47.29	98.19	53.74	95.88
57	38.48	95.15	51.57	96.68	38.81	96.24	47.80	98.23	54.26	95.97
57.5	39.08	95.25	52.11	96.83	39.41	96.31	48.33	98.29	54.83	96.14
58	39.65	95.37	52.62	96.86	39.98	96.40	48.85	98.33	55.33	96.19
58.5	40.27	95.48	53.21	96.92	40.60	96.49	49.41	98.36	55.92	96.26
59	41.19	95.64	54.02	97.06	41.51	96.61	50.24	98.43	56.72	96.50
59.5	41.51	95.69	54.32	97.11	41.84	96.66	50.53	98.45	57.03	96.61
60	42.42	95.86	55.12	97.18	42.74	96.81	51.34	98.53	57.84	96.68
60.5	42.74	95.92	55.41	97.22	43.06	96.84	51.62	98.55	58.13	96.71
61	43.65	96.06	56.23	97.35	43.97	96.96	52.44	98.60	58.91	96.83
61.5	43.97	96.11	56.52	97.35	44.29	97.00	52.72	98.61	59.18	96.83
62	44.95	96.26	57.40	97.44	45.26	97.12	53.59	98.67	60.04	96.90
62.5	45.28	96.30	57.69	97.45	45.59	97.17	53.87	98.70	60.32	96.95
63	46.28	96.45	58.55	97.54	46.59	97.30	54.75	98.77	61.21	97.06
63.5	46.65	96.48	58.84	97.58	46.96	97.32	55.07	98.78	61.50	97.11
64	47.68	96.61	59.70	97.65	47.99	97.41	55.97	98.83	62.34	97.21
64.5	48.03	96.65	60.03	97.69	48.34	97.45	56.27	98.85	62.65	97.23
65	49.05	96.75	60.85	97.79	49.36	97.52	57.15	98.89	63.48	97.37
65.5	49.41	96.79	61.14	97.79	49.71	97.56	57.46	98.90	63.76	97.37
66	50.11	96.87	61.76	97.90	50.40	97.60	58.07	98.94	64.37	97.49
66.5	50.81	96.95	62.33	97.94	51.10	97.66	58.67	98.97	64.92	97.51
67	51.52	97.02	62.96	98.01	51.81	97.73	59.30	99.01	65.52	97.66
67.5	52.29	97.11	63.62	98.08	52.57	97.81	59.97	99.05	66.18	97.73
68	53.03	97.23	64.26	98.13	53.31	97.91	60.62	99.10	66.82	97.77
68.5	53.80	97.30	64.90	98.19	54.07	97.96	61.27	99.13	67.44	97.85
69	54.55	97.38	65.52	98.30	54.82	98.03	61.92	99.16	68.06	97.99
69.5	54.93	97.42	65.85	98.30	55.20	98.08	62.24	99.18	68.38	97.99
70	55.72	97.51	66.51	98.35	55.98	98.14	62.92	99.22	69.03	98.06
70.5	56.47	97.61	67.14	98.48	56.74	98.19	63.58	99.24	69.69	98.20
71	57.26	97.67	67.73	98.57	57.52	98.24	64.25	99.26	70.26	98.32
71.5	57.66	97.72	68.03	98.60	57.92	98.28	64.59	99.28	70.55	98.34
72	58.49	97.79	68.70	98.67	58.75	98.33	65.31	99.31	71.18	98.44
72.5	58.89	97.82	69.00	98.76	59.14	98.35	65.64	99.32	71.47	98.56
73	59.69	97.91	69.65	98.78	59.94	98.43	66.33	99.36	72.09	98.58
73.5	60.13	97.95	70.01	98.82	60.38	98.47	66.71	99.38	72.48	98.67
74	61.15	98.06	70.84	98.89	61.39	98.55	67.59	99.41	73.32	98.77
74.5	62.00	98.12	71.51	98.91	62.23	98.60	68.30	99.44	73.98	98.77
75	62.44	98.13	71.83	98.92	62.67	98.61	68.67	99.45	74.27	98.77
75.5	63.32	98.21	72.51	98.96	63.55	98.65	69.42	99.46	74.88	98.79
76	64.21	98.29	73.15	99.01	64.43	98.71	70.18	99.49	75.48	98.84
76.5	64.67	98.30	73.49	99.01	64.89	98.72	70.56	99.49	75.81	98.84
77	65.59	98.38	74.15	99.01	65.80	98.76	71.34	99.51	76.42	98.84
77.5	66.04	98.41	74.43	99.01	66.25	98.79	71.72	99.52	76.69	98.84
78	67.02	98.49	75.16	99.01	67.22	98.86	72.54	99.55	77.38	98.84
78.5	67.46	98.52	75.49	99.05	67.67	98.89	72.92	99.56	77.71	98.89
79	68.44	98.56	76.17	99.07	68.63	98.91	73.73	99.57	78.32	98.91
79.5	69.46	98.60	76.90	99.09	69.64	98.94	74.58	99.58	79.02	98.93
80	69.96	98.63	77.27	99.10	70.15	98.95	75.00	99.59	79.35	98.96
80.5	71.05	98.70	77.98	99.18	71.23	99.00	75.91	99.61	79.99	99.03
81	71.55	98.73	78.30	99.18	71.72	99.02	76.33	99.63	80.28	99.03
81.5	72.55	98.78	79.01	99.21	72.72	99.06	77.17	99.64	80.93	99.08
82	73.05	98.82	79.37	99.26	73.21	99.09	77.58	99.66	81.25	99.12
82.5	74.06	98.86	80.06	99.30	74.22	99.11	78.42	99.67	81.89	99.12
83	74.54	98.89	80.40	99.30	74.69	99.13	78.82	99.68	82.20	99.12
83.5	75.53	98.94	81.04	99.37	75.68	99.16	79.64	99.69	82.74	99.22
84	76.04	98.97	81.39	99.39	76.19	99.18	80.07	99.70	83.06	99.24
84.5	76.98	99.03	82.03	99.41	77.12	99.22	80.85	99.73	83.63	99.27
85	77.49	99.04	82.39	99.44	77.63	99.24	81.28	99.73	83.94	99.31
85.5	78.50	99.08	83.08	99.44	78.62	99.27	82.11	99.75	84.56	99.31
86	79.51	99.14	83.81	99.52	79.64	99.30	82.96	99.77	85.25	99.41
86.5	80.00	99.17	84.09	99.52	80.12	99.33	83.36	99.78	85.49	99.41
87	80.96	99.22	84.76	99.52	81.07	99.37	84.17	99.80	86.08	99.41
87.5	81.45	99.25	85.09	99.55	81.56	99.40	84.58	99.81	86.39	99.43
88	82.38	99.30	85.73	99.59	82.49	99.45	85.36	99.83	86.93	99.46
88.5	82.84	99.32	86.05	99.59	82.95	99.48	85.74	99.84	87.21	99.46
89	83.69	99.36	86.66	99.59	83.79	99.52	86.45	99.86	87.76	99.46
89.5	84.59	99.40	87.26	99.61	84.68	99.54	87.19	99.86	88.28	99.48
90	85.48	99.44	87.88	99.61	85.57	99.58	87.93	99.87	88.83	99.48
90.5	86.38	99.47	88.53	99.61	86.45	99.60	88.67	99.89	89.40	99.48
91	87.15	99.50	89.10	99.62	87.23	99.62	89.32	99.89	89.91	99.50
91.5	87.90	99.53	89.62	99.68	87.97	99.65	89.94	99.90	90.39	99.62
92	88.93	99.57	90.39	99.71	88.99	99.69	90.79	99.92	91.07	99.67
92.5	89.56	99.60	90.88	99.75	89.62	99.71	91.32	99.92	91.52	99.72
93	90.48	99.64	91.56	99.78	90.53	99.74	92.08	99.94	92.12	99.76
93.5	91.01	99.66	91.99	99.80	91.06	99.76	92.53	99.94	92.51	99.79
94	91.53	99.67	92.41	99.80	91.58	99.77	92.95	99.94	92.91	99.79
94.5	92.03	99.69	92.83	99.80	92.07	99.79	93.36	99.95	93.29	99.79
95	92.94	99.73	93.55	99.80	92.97	99.82	94.12	99.95	93.97	99.79
95.5	93.72	99.75	94.22	99.86	93.76	99.83	94.77	99.96	94.57	99.86
96	94.60	99.78	94.92	99.86	94.63	99.86	95.49	99.97	95.21	99.86
96.5	95.24	99.80	95.49	99.89	95.26	99.87	96.02	99.97	95.76	99.88
97	96.04	99.84	96.22	99.91	96.05	99.90	96.68	99.98	96.46	99.91
97.5	96.57	99.86	96.69	99.93	96.59	99.91	97.12	99.98	96.88	99.93
98	97.33	99.89	97.41	99.93	97.34	99.93	97.76	99.99	97.52	99.93
98.5	97.79	99.90	97.83	99.93	97.80	99.94	98.15	99.99	97.90	99.93
99	98.25	99.92	98.24	99.95	98.25	99.96	98.53	99.99	98.30	99.95
99.5	98.51	99.93	98.53	99.96	98.52	99.96	98.75	99.99	98.56	99.98
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Return to figure

---