**********************************************; 
*; 
* TOOL: DMNEURAL ANALYSIS; 
* TYPE: MODEL; 
* NODE: DMNEURAL; 
*; 
**********************************************; 
; 
; 
LENGTH _FORMAT $200; 
LENGTH _NORMFMT $ %DMNORLEN; 
/************************************************************/ 
* CREATE STANDARDIZED DUMMY VARIABLES FOR BAD; 
/************************************************************/ 
_FORMAT=PUT(BAD,BEST12.); 
%DMNORMCP(_FORMAT, _NORMFMT); 
IF _NORMFMT='0' THEN BAD_1_=0.30032932148039; 
/*(1-0.91723259762309)/0.27558881686586 */ 
ELSE BAD_1_=-3.32826494214934; 
/* (0-0.91723259762309)/0.27558881686586  */ 
IF _NORMFMT='1' THEN BAD_2_=3.32826494214934; 
/*(1-0.08276740237691)/0.27558881686586 */ 
ELSE BAD_2_=-0.30032932148038; 
/* (0-0.08276740237691)/0.27558881686586  */ 
/************************************************************/ 
* CREATE STANDARDIZED DUMMY VARIABLES FOR REASON; 
/************************************************************/ 
_FORMAT=PUT(REASON,$7.); 
%DMNORMCP(_FORMAT, _NORMFMT); 
IF _NORMFMT='' THEN REASON_1_=4.82480828258297; 
/*(1-0.04117147707979)/0.19872883371997 */ 
ELSE REASON_1_=-0.20717414936279; 
/* (0-0.04117147707979)/0.19872883371997  */ 
IF _NORMFMT='DEBTCON' THEN REASON_2_=0.70740684773142; 
/*(1-0.66638370118845)/0.47160456515428 */ 
ELSE REASON_2_=-1.4130136780386; 
/* (0-0.66638370118845)/0.47160456515428  */ 
IF _NORMFMT='HOMEIMP' THEN REASON_3_=1.55512750135148; 
/*(1-0.29244482173174)/0.45498210124465 */ 
ELSE REASON_3_=-0.64276115682733; 
/* (0-0.29244482173174)/0.45498210124465  */ 
/************************************************************/ 
* CREATE STANDARDIZED DUMMY VARIABLES FOR JOB; 
/************************************************************/ 
_FORMAT=PUT(JOB,$7.); 
%DMNORMCP(_FORMAT, _NORMFMT); 
IF _NORMFMT='' THEN JOB_1_=4.35408446942194; 
/*(1-0.05008488964346)/0.21816644050606 */ 
ELSE JOB_1_=-0.22957192466121; 
/* (0-0.05008488964346)/0.21816644050606  */ 
IF _NORMFMT='MGR' THEN JOB_2_=2.65291671756452; 
/*(1-0.12436332767402)/0.33006564681376 */ 
ELSE JOB_2_=-0.37678361524304; 
/* (0-0.12436332767402)/0.33006564681376  */ 
IF _NORMFMT='OFFICE' THEN JOB_3_=2.19109950916309; 
/*(1-0.17232597623089)/0.37774369457334 */ 
ELSE JOB_3_=-0.45619815421549; 
/* (0-0.17232597623089)/0.37774369457334  */ 
IF _NORMFMT='OTHER' THEN JOB_4_=1.24132087819829; 
/*(1-0.39346349745331)/0.4886218488704 */ 
ELSE JOB_4_=-0.80525154240015; 
/* (0-0.39346349745331)/0.4886218488704  */ 
IF _NORMFMT='PROFEXE' THEN JOB_5_=1.92624620654196; 
/*(1-0.21222410865874)/0.40896947060339 */ 
ELSE JOB_5_=-0.5189240858141; 
/* (0-0.21222410865874)/0.40896947060339  */ 
IF _NORMFMT='SALES' THEN JOB_6_=8.65841592808414; 
/*(1-0.01315789473684)/0.11397490181342 */ 
ELSE JOB_6_=-0.11544554570778; 
/* (0-0.01315789473684)/0.11397490181342  */ 
IF _NORMFMT='SELF' THEN JOB_7_=5.29853739462989; 
/*(1-0.03438030560271)/0.1822426874586 */ 
ELSE JOB_7_=-0.18865122152308; 
/* (0-0.03438030560271)/0.1822426874586  */ 
/************************************************************/ 
* CREATE STANDARDIZED DUMMY VARIABLES FOR NINQ_XA9; 
/************************************************************/ 
_FORMAT=PUT(NINQ_XA9,NINQ_QS_17.); 
%DMNORMCP(_FORMAT, _NORMFMT); 
IF _NORMFMT='.' THEN NINQ_XA9_1_=3.22137176408129; 
/*(1-0.08786078098471)/0.28315242257529 */ 
ELSE NINQ_XA9_1_=-0.31029500007669; 
/* (0-0.08786078098471)/0.28315242257529  */ 
IF _NORMFMT='0001:LOW-0.5' THEN NINQ_XA9_2_=1.08858879352575; 
/*(1-0.45755517826825)/0.49830094242919 */ 
ELSE NINQ_XA9_2_=-0.9182306098754; 
/* (0-0.45755517826825)/0.49830094242919  */ 
IF _NORMFMT='0002:0.5-1.5' THEN NINQ_XA9_3_=1.88095632659362; 
/*(1-0.22028862478777)/0.4145292286633 */ 
ELSE NINQ_XA9_3_=-0.53141879885796; 
/* (0-0.22028862478777)/0.4145292286633  */ 
IF _NORMFMT='0003:1.5-HIGH' THEN NINQ_XA9_4_=1.80740941572279; 
/*(1-0.23429541595925)/0.42364755731591 */ 
ELSE NINQ_XA9_4_=-0.55304323585309; 
/* (0-0.23429541595925)/0.42364755731591  */ 
DROP 
BAD_1_ 
BAD_2_ 
REASON_1_ 
REASON_2_ 
REASON_3_ 
JOB_1_ 
JOB_2_ 
JOB_3_ 
JOB_4_ 
JOB_5_ 
JOB_6_ 
JOB_7_ 
NINQ_XA9_1_ 
NINQ_XA9_2_ 
NINQ_XA9_3_ 
NINQ_XA9_4_ 
_FORMAT _NORMFMT; 
/************************************************************************/ 
* MISSING VALUE IMPUTATION AND STANDARDIZATION FOR INTERVAL VARIABLES; 
/************************************************************************/ 
If LOAN=. then _S1_LOAN=0; 
else _S1_LOAN=(LOAN-19123.9388794567)/11514.606801211; 
If MORTDUE=. then _S2_MORTDUE=0; 
else _S2_MORTDUE=(MORTDUE-74603.2812437228)/40818.0784525169; 
If VALUE=. then _S3_VALUE=0; 
else _S3_VALUE=(VALUE-103028.587176048)/52163.1503358291; 
If YOJ=. then _S4_YOJ=0; 
else _S4_YOJ=(YOJ-8.9124356972719)/7.21026529907128; 
If CLAGE=. then _S5_CLAGE=0; 
else _S5_CLAGE=(CLAGE-180.815962088209)/77.5834018476425; 
If CLNO=. then _S6_CLNO=0; 
else _S6_CLNO=(CLNO-21.3450886429421)/9.92555948544024; 
If INDELINQ=. then _S7_INDELINQ=0; 
else _S7_INDELINQ=(INDELINQ-0.15704584040747)/0.36392122467695; 
If INDEROG=. then _S8_INDEROG=0; 
else _S8_INDEROG=(INDEROG-0.09125636672325)/0.28803447036172; 
; 
/****************************************/ 
* Component 1 at Stage 0; 
/****************************************/ 
_SPRIN01= 
-0.420285601*BAD_1_+ 
0.4202856007*BAD_2_+ 
-0.152927246*REASON_1_+ 
0.4106357411*REASON_2_+ 
-0.35884189*REASON_3_+ 
-0.161943657*JOB_1_+ 
0.1057312062*JOB_2_+ 
-0.074102405*JOB_3_+ 
0.0884206967*JOB_4_+ 
-0.022936164*JOB_5_+ 
0.0624006818*JOB_6_+ 
-0.068656015*JOB_7_+ 
-0.105620431*NINQ_XA9_1_+ 
-0.232684043*NINQ_XA9_2_+ 
0.042361408*NINQ_XA9_3_+ 
0.3028303*NINQ_XA9_4_+ 
0.0722775232*_S1_LOAN+ 
0.0186720344*_S2_MORTDUE+ 
-0.015711298*_S3_VALUE+ 
-0.088575003*_S4_YOJ+ 
-0.113997219*_S5_CLAGE+ 
0.10488342*_S6_CLNO+ 
0.1690809609*_S7_INDELINQ+ 
0.2026048855*_S8_INDEROG; 
/****************************************/ 
* Component 2 at Stage 0; 
/****************************************/ 
_SPRIN02= 
-0.124789033*BAD_1_+ 
0.1247890335*BAD_2_+ 
0.1951831306*REASON_1_+ 
0.2493822346*REASON_2_+ 
-0.343746085*REASON_3_+ 
0.2058436007*JOB_1_+ 
0.0567689748*JOB_2_+ 
0.1596840485*JOB_3_+ 
-0.301709734*JOB_4_+ 
0.1229153228*JOB_5_+ 
0.167622862*JOB_6_+ 
-0.251953825*JOB_7_+ 
0.0428739282*NINQ_XA9_1_+ 
0.5031430594*NINQ_XA9_2_+ 
-0.296058978*NINQ_XA9_3_+ 
-0.330773577*NINQ_XA9_4_+ 
-0.016587159*_S1_LOAN+ 
-0.03619629*_S2_MORTDUE+ 
-0.036219171*_S3_VALUE+ 
-0.0241399*_S4_YOJ+ 
0.0900292893*_S5_CLAGE+ 
-0.04930746*_S6_CLNO+ 
0.0635118879*_S7_INDELINQ+ 
-0.107211754*_S8_INDEROG; 
/****************************************/ 
* Component 3 at Stage 0; 
/****************************************/ 
_SPRIN03= 
0.1383185571*BAD_1_+ 
-0.138318557*BAD_2_+ 
-0.085962283*REASON_1_+ 
0.1117943897*REASON_2_+ 
-0.078331785*REASON_3_+ 
-0.095000963*JOB_1_+ 
0.0705615685*JOB_2_+ 
-0.037431511*JOB_3_+ 
-0.288949214*JOB_4_+ 
0.3091172382*JOB_5_+ 
0.0213854254*JOB_6_+ 
0.1311743913*JOB_7_+ 
-0.058934759*NINQ_XA9_1_+ 
-0.032674763*NINQ_XA9_2_+ 
0.0409570436*NINQ_XA9_3_+ 
0.0377471629*NINQ_XA9_4_+ 
0.2117085686*_S1_LOAN+ 
0.4953475442*_S2_MORTDUE+ 
0.5145909838*_S3_VALUE+ 
0.0007209073*_S4_YOJ+ 
0.2175177215*_S5_CLAGE+ 
0.3348163872*_S6_CLNO+ 
-0.015269916*_S7_INDELINQ+ 
-0.036216746*_S8_INDEROG; 
; 
/****************************************/ 
* Component 1 at Stage 1; 
/****************************************/ 
_SPRIN11= 
0.0714405584*BAD_1_+ 
-0.071440558*BAD_2_+ 
0.0983043872*REASON_1_+ 
-0.09423927*REASON_2_+ 
0.0547444695*REASON_3_+ 
0.2076149498*JOB_1_+ 
-0.143784784*JOB_2_+ 
-0.032881137*JOB_3_+ 
-0.290804335*JOB_4_+ 
0.3082894807*JOB_5_+ 
0.3009696119*JOB_6_+ 
-0.020336459*JOB_7_+ 
-0.333587504*NINQ_XA9_1_+ 
-0.019904693*NINQ_XA9_2_+ 
-0.034285628*NINQ_XA9_3_+ 
0.2799190746*NINQ_XA9_4_+ 
0.1824053686*_S1_LOAN+ 
-0.169322413*_S2_MORTDUE+ 
-0.085186006*_S3_VALUE+ 
0.2790579686*_S4_YOJ+ 
-0.112131078*_S5_CLAGE+ 
-0.150631521*_S6_CLNO+ 
-0.093406231*_S7_INDELINQ+ 
0.500518657*_S8_INDEROG; 
/****************************************/ 
* Component 2 at Stage 1; 
/****************************************/ 
_SPRIN12= 
-0.042590086*BAD_1_+ 
0.0425900861*BAD_2_+ 
0.4716318133*REASON_1_+ 
-0.059073983*REASON_2_+ 
-0.144768948*REASON_3_+ 
0.4873437904*JOB_1_+ 
0.0530290932*JOB_2_+ 
-0.101185962*JOB_3_+ 
-0.153583668*JOB_4_+ 
-0.044538939*JOB_5_+ 
-0.035349787*JOB_6_+ 
0.0641211339*JOB_7_+ 
0.4997237151*NINQ_XA9_1_+ 
-0.39689354*NINQ_XA9_2_+ 
0.0432258346*NINQ_XA9_3_+ 
0.090537693*NINQ_XA9_4_+ 
-0.034301676*_S1_LOAN+ 
0.0937180779*_S2_MORTDUE+ 
0.0445275907*_S3_VALUE+ 
-0.140561087*_S4_YOJ+ 
-0.070787671*_S5_CLAGE+ 
0.0425713633*_S6_CLNO+ 
-0.081578967*_S7_INDELINQ+ 
0.074218631*_S8_INDEROG; 
/****************************************/ 
* Component 3 at Stage 1; 
/****************************************/ 
_SPRIN13= 
0.073633961*BAD_1_+ 
-0.073633961*BAD_2_+ 
0.1024937381*REASON_1_+ 
-0.092810706*REASON_2_+ 
0.0514338728*REASON_3_+ 
-0.019860405*JOB_1_+ 
0.094534427*JOB_2_+ 
0.2816029722*JOB_3_+ 
-0.061241223*JOB_4_+ 
-0.119327558*JOB_5_+ 
-0.035526605*JOB_6_+ 
-0.27693386*JOB_7_+ 
0.014760677*NINQ_XA9_1_+ 
-0.133010866*NINQ_XA9_2_+ 
-0.204493914*NINQ_XA9_3_+ 
0.3466764306*NINQ_XA9_4_+ 
-0.213627459*_S1_LOAN+ 
-0.1058736*_S2_MORTDUE+ 
-0.149305566*_S3_VALUE+ 
0.281407413*_S4_YOJ+ 
0.4188729932*_S5_CLAGE+ 
0.417335478*_S6_CLNO+ 
0.3067518314*_S7_INDELINQ+ 
-0.029256047*_S8_INDEROG; 
; 
/****************************************/ 
* Component 1 at Stage 2; 
/****************************************/ 
_SPRIN21= 
-0.46209776*BAD_1_+ 
0.4620977602*BAD_2_+ 
0.0683293941*REASON_1_+ 
-0.444094823*REASON_2_+ 
0.4304743516*REASON_3_+ 
0.0060725973*JOB_1_+ 
-0.030544225*JOB_2_+ 
-0.01696909*JOB_3_+ 
-0.093570364*JOB_4_+ 
0.0750103426*JOB_5_+ 
0.017817946*JOB_6_+ 
0.1546263113*JOB_7_+ 
0.0107887195*NINQ_XA9_1_+ 
0.150812741*NINQ_XA9_2_+ 
-0.094988493*NINQ_XA9_3_+ 
-0.09165514*NINQ_XA9_4_+ 
-0.050492066*_S1_LOAN+ 
0.1365930679*_S2_MORTDUE+ 
0.1555898639*_S3_VALUE+ 
0.0043053076*_S4_YOJ+ 
0.0565283369*_S5_CLAGE+ 
0.0546040826*_S6_CLNO+ 
0.2156703522*_S7_INDELINQ+ 
0.0863628693*_S8_INDEROG; 
/****************************************/ 
* Component 2 at Stage 2; 
/****************************************/ 
_SPRIN22= 
0.1889724857*BAD_1_+ 
-0.188972486*BAD_2_+ 
-0.049124602*REASON_1_+ 
0.0570273976*REASON_2_+ 
-0.037654022*REASON_3_+ 
-0.042882564*JOB_1_+ 
-0.027944765*JOB_2_+ 
-0.029743464*JOB_3_+ 
0.0542156244*JOB_4_+ 
-0.01513983*JOB_5_+ 
-0.197351351*JOB_6_+ 
0.1756363452*JOB_7_+ 
0.1714494701*NINQ_XA9_1_+ 
0.1463875357*NINQ_XA9_2_+ 
-0.057584331*NINQ_XA9_3_+ 
-0.230429728*NINQ_XA9_4_+ 
0.0146038013*_S1_LOAN+ 
-0.035537437*_S2_MORTDUE+ 
-0.0724755*_S3_VALUE+ 
-0.256015086*_S4_YOJ+ 
-0.013331707*_S5_CLAGE+ 
0.1309235523*_S6_CLNO+ 
0.4981923868*_S7_INDELINQ+ 
0.6324570194*_S8_INDEROG; 
/****************************************/ 
* Component 3 at Stage 2; 
/****************************************/ 
_SPRIN23= 
-0.053425498*BAD_1_+ 
0.053425498*BAD_2_+ 
0.1070688024*REASON_1_+ 
0.0639959205*REASON_2_+ 
-0.113099892*REASON_3_+ 
0.0442507381*JOB_1_+ 
-0.575842237*JOB_2_+ 
0.495761786*JOB_3_+ 
0.104666869*JOB_4_+ 
-0.317517225*JOB_5_+ 
0.1829022324*JOB_6_+ 
0.2798844488*JOB_7_+ 
-0.018182771*NINQ_XA9_1_+ 
-0.045122752*NINQ_XA9_2_+ 
0.1418969665*NINQ_XA9_3_+ 
-0.073615991*NINQ_XA9_4_+ 
0.3151079731*_S1_LOAN+ 
0.0125273687*_S2_MORTDUE+ 
0.0650991662*_S3_VALUE+ 
0.0454978067*_S4_YOJ+ 
0.165946484*_S5_CLAGE+ 
0.0328387205*_S6_CLNO+ 
0.0251487915*_S7_INDELINQ+ 
-0.010948505*_S8_INDEROG; 
; 
DROP 
_SPRIN01 
_SPRIN02 
_SPRIN03 
_SPRIN11 
_SPRIN12 
_SPRIN13 
_SPRIN21 
_SPRIN22 
_SPRIN23 
; 
; 
/*************************************************************/ 
* Selected activation function at stage 0=SQUARE; 
/*************************************************************/ 
; 
_YHAT0=0.4270872674 
+(0.01437693973772+0.0004981723388*_SPRIN01)*_SPRIN01 
+(-0.0108613733431+-0.00153700764569*_SPRIN02)*_SPRIN02 
+(0.00882522859131+-0.00154271207078*_SPRIN03)*_SPRIN03 
; 
; 
/**************************************************************/ 
* Selected activation function at stage 1=ARCTAN; 
/**************************************************************/ 
; 
_RHAT1=-0.000526002 
+-0.01418358877251*ATAN(1.31147421701595*_SPRIN11) 
+0.06032636331556*ATAN(-0.10680057945997*_SPRIN12) 
+0.0311281647798*ATAN(0.26761700173355*_SPRIN13) 
; 
; 
/**************************************************************/ 
* Selected activation function at stage 2=SQUARE; 
/**************************************************************/ 
; 
_RHAT2=-0.001904021 
+(0.0054831199943+-0.00073633221385*_SPRIN21)*_SPRIN21 
+(-0.00876407496275+0.00125317022432*_SPRIN22)*_SPRIN22 
+(0.00599300779161+0.00182477893655*_SPRIN23)*_SPRIN23 
; 
; 
_tmpPredict=_YHAT0+_RHAT1+_RHAT2; 
P_DEBTINC=_tmpPredict*(78.6543860476344-0.52449921542988)+0.52449921542988; 
label P_DEBTINC = 'Predicted: DEBTINC'; 
R_DEBTINC=DEBTINC-P_DEBTINC; 
label R_DEBTINC="Residual: DEBTINC"; 
DROP _YHAT0 _RHAT1 _RHAT2 _tmpPredict 
_S1_LOAN 
_S2_MORTDUE 
_S3_VALUE 
_S4_YOJ 
_S5_CLAGE 
_S6_CLNO 
_S7_INDELINQ 
_S8_INDEROG 
; 
*--------------------------------------------------------------*; 
* Princomp/ Dmneural: DEBTINC: Decisions; 
*--------------------------------------------------------------*; 
**** NO DECISION CODE;