*--------------------------------------------------------------*; 
* Two Stage Model; 
*; 
* Class target: BAD; 
* Value target: DEBTINC; 
*; 
*--------------------------------------------------------------*; 
* TARGET=BAD : Tree Model; 
*--------------------------------------------------------------*; 
****************************************************************; 
******             DECISION TREE SCORING CODE             ******; 
****************************************************************; 

******         LENGTHS OF NEW CHARACTER VARIABLES         ******; 
LENGTH I_BAD  $   12; 
LENGTH _WARN_  $    4; 

******              LABELS FOR NEW VARIABLES              ******; 
LABEL _NODE_  = 'Node' ; 
LABEL _LEAF_  = 'Leaf' ; 
LABEL P_BAD1  = 'Predicted: BAD=1' ; 
LABEL P_BAD0  = 'Predicted: BAD=0' ; 
LABEL I_BAD  = 'Into: BAD' ; 
LABEL U_BAD  = 'Unnormalized Into: BAD' ; 
LABEL _WARN_  = 'Warnings' ; 


******      TEMPORARY VARIABLES FOR FORMATTED VALUES      ******; 
LENGTH _ARBFMT_2 $     12; DROP _ARBFMT_2; 
_ARBFMT_2 = ' '; /* Initialize to avoid warning. */ 
LENGTH _ARBFMT_5 $     17; DROP _ARBFMT_5; 
_ARBFMT_5 = ' '; /* Initialize to avoid warning. */ 


******             ASSIGN OBSERVATION TO NODE             ******; 

 DROP _BRANCH_; 
_BRANCH_ = -1; 
  IF  NOT MISSING(INDELINQ ) AND 
  INDELINQ  <                  0.5 THEN DO; 
   _BRANCH_ =    1; 
  END; 
  ELSE IF  NOT MISSING(INDELINQ ) AND 
                   0.5 <= INDELINQ  THEN DO; 
   _BRANCH_ =    2; 
  END; 
IF _BRANCH_ LT 0 AND NOT MISSING(MORTDUE ) THEN DO; 
    IF  NOT MISSING(MORTDUE ) AND 
    MORTDUE  <               210156 THEN DO; 
     _BRANCH_ =    1; 
    END; 
    ELSE IF  NOT MISSING(MORTDUE ) AND 
                  210156 <= MORTDUE  THEN DO; 
     _BRANCH_ =    2; 
    END; 
  END; 
IF _BRANCH_ LT 0 AND NOT MISSING(VALUE ) THEN DO; 
    IF  NOT MISSING(VALUE ) AND 
                   18866 <= VALUE  THEN DO; 
     _BRANCH_ =    1; 
    END; 
    ELSE IF  NOT MISSING(VALUE ) AND 
    VALUE  <                18866 THEN DO; 
     _BRANCH_ =    2; 
    END; 
  END; 
IF _BRANCH_ LT 0 THEN _BRANCH_ =    1; 

IF _BRANCH_ EQ    2 THEN DO; 

  _BRANCH_ = -1; 
  _ARBFMT_5 = PUT( NINQ_XA9 , NINQ_PP_17.); 
   %DMNORMIP( _ARBFMT_5); 
    IF _ARBFMT_5 IN ('0001:LOW-0.5' ,'0002:0.5-1.5' ) THEN DO; 
     _BRANCH_ =    1; 
    END; 
    ELSE IF _ARBFMT_5 IN ('0003:1.5-HIGH' ) THEN DO; 
     _BRANCH_ =    2; 
    END; 
  IF _BRANCH_ LT 0 AND NOT MISSING(MORTDUE ) THEN DO; 
      IF  NOT MISSING(MORTDUE ) AND 
      MORTDUE  <             138422.5 THEN DO; 
       _BRANCH_ =    1; 
      END; 
      ELSE IF  NOT MISSING(MORTDUE ) AND 
                  138422.5 <= MORTDUE  THEN DO; 
       _BRANCH_ =    2; 
      END; 
    END; 
  IF _BRANCH_ LT 0 AND NOT MISSING(CLNO ) THEN DO; 
      IF  NOT MISSING(CLNO ) AND 
      CLNO  <                 41.5 THEN DO; 
       _BRANCH_ =    1; 
      END; 
      ELSE IF  NOT MISSING(CLNO ) AND 
                      41.5 <= CLNO  THEN DO; 
       _BRANCH_ =    2; 
      END; 
    END; 
  IF _BRANCH_ LT 0 THEN _BRANCH_ =    1; 

  IF _BRANCH_ EQ    2 THEN DO; 

    _BRANCH_ = -1; 
      IF  NOT MISSING(MORTDUE ) AND 
      MORTDUE  <              48385.5 THEN DO; 
       _BRANCH_ =    1; 
      END; 
      ELSE IF  NOT MISSING(MORTDUE ) AND 
                   48385.5 <= MORTDUE  THEN DO; 
       _BRANCH_ =    2; 
      END; 
    IF _BRANCH_ LT 0 AND NOT MISSING(VALUE ) THEN DO; 
        IF  NOT MISSING(VALUE ) AND 
        VALUE  <                25975 THEN DO; 
         _BRANCH_ =    1; 
        END; 
        ELSE IF  NOT MISSING(VALUE ) AND 
                       25975 <= VALUE  THEN DO; 
         _BRANCH_ =    2; 
        END; 
      END; 
    IF _BRANCH_ LT 0 AND NOT MISSING(LOAN ) THEN DO; 
        IF  NOT MISSING(LOAN ) AND 
        LOAN  <                 4050 THEN DO; 
         _BRANCH_ =    1; 
        END; 
        ELSE IF  NOT MISSING(LOAN ) AND 
                        4050 <= LOAN  THEN DO; 
         _BRANCH_ =    2; 
        END; 
      END; 
    IF _BRANCH_ LT 0 THEN _BRANCH_ =    2; 

    IF _BRANCH_ EQ    1 THEN DO; 
      _NODE_  =                   14; 
      _LEAF_  =                   11; 
      P_BAD1  =     0.75675675675675; 
      P_BAD0  =     0.24324324324324; 
      I_BAD  = '1' ; 
      U_BAD  =                    1; 
      END; 
    ELSE DO; 

      _BRANCH_ = -1; 
        IF  NOT MISSING(VALUE ) AND 
        VALUE  <               184712 THEN DO; 
         _BRANCH_ =    1; 
        END; 
        ELSE IF  NOT MISSING(VALUE ) AND 
                      184712 <= VALUE  THEN DO; 
         _BRANCH_ =    2; 
        END; 
      IF _BRANCH_ LT 0 AND NOT MISSING(LOAN ) THEN DO; 
          IF  NOT MISSING(LOAN ) AND 
          LOAN  <                68600 THEN DO; 
           _BRANCH_ =    1; 
          END; 
          ELSE IF  NOT MISSING(LOAN ) AND 
                         68600 <= LOAN  THEN DO; 
           _BRANCH_ =    2; 
          END; 
        END; 
      IF _BRANCH_ LT 0 THEN _BRANCH_ =    1; 

      IF _BRANCH_ EQ    2 THEN DO; 
        _NODE_  =                   23; 
        _LEAF_  =                   13; 
        P_BAD1  =      0.8235294117647; 
        P_BAD0  =     0.17647058823529; 
        I_BAD  = '1' ; 
        U_BAD  =                    1; 
        END; 
      ELSE DO; 
        _NODE_  =                   22; 
        _LEAF_  =                   12; 
        P_BAD1  =                  0.4; 
        P_BAD0  =                  0.6; 
        I_BAD  = '0' ; 
        U_BAD  =                    0; 
        END; 
      END; 
    END; 
  ELSE DO; 
    IF  NOT MISSING(LOAN ) AND 
      LOAN  <                 5100 THEN DO; 

      _BRANCH_ = -1; 
        IF  NOT MISSING(VALUE ) AND 
        VALUE  <              91879.5 THEN DO; 
         _BRANCH_ =    1; 
        END; 
        ELSE IF  NOT MISSING(VALUE ) AND 
                     91879.5 <= VALUE  THEN DO; 
         _BRANCH_ =    2; 
        END; 
      IF _BRANCH_ LT 0 AND NOT MISSING(MORTDUE ) THEN DO; 
          IF  NOT MISSING(MORTDUE ) AND 
          MORTDUE  <                82591 THEN DO; 
           _BRANCH_ =    1; 
          END; 
          ELSE IF  NOT MISSING(MORTDUE ) AND 
                         82591 <= MORTDUE  THEN DO; 
           _BRANCH_ =    2; 
          END; 
        END; 
      IF _BRANCH_ LT 0 AND NOT MISSING(LOAN ) THEN DO; 
          IF  NOT MISSING(LOAN ) AND 
                          1650 <= LOAN  THEN DO; 
           _BRANCH_ =    1; 
          END; 
          ELSE IF  NOT MISSING(LOAN ) AND 
          LOAN  <                 1650 THEN DO; 
           _BRANCH_ =    2; 
          END; 
        END; 
      IF _BRANCH_ LT 0 THEN _BRANCH_ =    1; 

      IF _BRANCH_ EQ    2 THEN DO; 
        _NODE_  =                   21; 
        _LEAF_  =                    9; 
        P_BAD1  =                    1; 
        P_BAD0  =                    0; 
        I_BAD  = '1' ; 
        U_BAD  =                    1; 
        END; 
      ELSE DO; 

        _BRANCH_ = -1; 
          IF  NOT MISSING(CLNO ) AND 
          CLNO  <                   18 THEN DO; 
           _BRANCH_ =    1; 
          END; 
          ELSE IF  NOT MISSING(CLNO ) AND 
                            18 <= CLNO  THEN DO; 
           _BRANCH_ =    2; 
          END; 
        IF _BRANCH_ LT 0 AND NOT MISSING(LOAN ) THEN DO; 
            IF  NOT MISSING(LOAN ) AND 
            LOAN  <                 2650 THEN DO; 
             _BRANCH_ =    1; 
            END; 
            ELSE IF  NOT MISSING(LOAN ) AND 
                            2650 <= LOAN  THEN DO; 
             _BRANCH_ =    2; 
            END; 
          END; 
        IF _BRANCH_ LT 0 AND NOT MISSING(MORTDUE ) THEN DO; 
            IF  NOT MISSING(MORTDUE ) AND 
            MORTDUE  <              53320.5 THEN DO; 
             _BRANCH_ =    1; 
            END; 
            ELSE IF  NOT MISSING(MORTDUE ) AND 
                         53320.5 <= MORTDUE  THEN DO; 
             _BRANCH_ =    2; 
            END; 
          END; 
        IF _BRANCH_ LT 0 THEN _BRANCH_ =    2; 

        IF _BRANCH_ EQ    1 THEN DO; 
          _NODE_  =                   30; 
          _LEAF_  =                    7; 
          P_BAD1  =                    1; 
          P_BAD0  =                    0; 
          I_BAD  = '1' ; 
          U_BAD  =                    1; 
          END; 
        ELSE DO; 
          _NODE_  =                   31; 
          _LEAF_  =                    8; 
          P_BAD1  =     0.18181818181818; 
          P_BAD0  =     0.81818181818181; 
          I_BAD  = '0' ; 
          U_BAD  =                    0; 
          END; 
        END; 
      END; 
    ELSE DO; 
      _NODE_  =                   13; 
      _LEAF_  =                   10; 
      P_BAD1  =     0.27403846153846; 
      P_BAD0  =     0.72596153846153; 
      I_BAD  = '0' ; 
      U_BAD  =                    0; 
      END; 
    END; 
  END; 
ELSE DO; 

  _BRANCH_ = -1; 
    IF  NOT MISSING(LOAN ) AND 
    LOAN  <                 4150 THEN DO; 
     _BRANCH_ =    1; 
    END; 
    ELSE IF  NOT MISSING(LOAN ) AND 
                    4150 <= LOAN  THEN DO; 
     _BRANCH_ =    2; 
    END; 
  IF _BRANCH_ LT 0 AND NOT MISSING(VALUE ) THEN DO; 
      IF  NOT MISSING(VALUE ) AND 
      VALUE  <              20562.5 THEN DO; 
       _BRANCH_ =    1; 
      END; 
      ELSE IF  NOT MISSING(VALUE ) AND 
                   20562.5 <= VALUE  THEN DO; 
       _BRANCH_ =    2; 
      END; 
    END; 
  IF _BRANCH_ LT 0 THEN _BRANCH_ =    2; 

  IF _BRANCH_ EQ    1 THEN DO; 

    _BRANCH_ = -1; 
      IF  NOT MISSING(VALUE ) AND 
      VALUE  <              74457.5 THEN DO; 
       _BRANCH_ =    1; 
      END; 
      ELSE IF  NOT MISSING(VALUE ) AND 
                   74457.5 <= VALUE  THEN DO; 
       _BRANCH_ =    2; 
      END; 
    IF _BRANCH_ LT 0 AND NOT MISSING(MORTDUE ) THEN DO; 
        IF  NOT MISSING(MORTDUE ) AND 
        MORTDUE  <     74095.0494665215 THEN DO; 
         _BRANCH_ =    1; 
        END; 
        ELSE IF  NOT MISSING(MORTDUE ) AND 
            74095.0494665215 <= MORTDUE  THEN DO; 
         _BRANCH_ =    2; 
        END; 
      END; 
    IF _BRANCH_ LT 0 AND NOT MISSING(NINQ_XA9 ) THEN DO; 
      _ARBFMT_5 = PUT( NINQ_XA9 , NINQ_PP_17.); 
       %DMNORMIP( _ARBFMT_5); 
        IF _ARBFMT_5 IN ('0002:0.5-1.5' ,'0003:1.5-HIGH' ) THEN DO; 
         _BRANCH_ =    1; 
        END; 
        ELSE IF _ARBFMT_5 IN ('0001:LOW-0.5' ) THEN DO; 
         _BRANCH_ =    2; 
        END; 
      END; 
    IF _BRANCH_ LT 0 THEN _BRANCH_ =    1; 

    IF _BRANCH_ EQ    2 THEN DO; 
      _NODE_  =                    9; 
      _LEAF_  =                    2; 
      P_BAD1  =     0.11111111111111; 
      P_BAD0  =     0.88888888888888; 
      I_BAD  = '0' ; 
      U_BAD  =                    0; 
      END; 
    ELSE DO; 
      _NODE_  =                    8; 
      _LEAF_  =                    1; 
      P_BAD1  =     0.86363636363636; 
      P_BAD0  =     0.13636363636363; 
      I_BAD  = '1' ; 
      U_BAD  =                    1; 
      END; 
    END; 
  ELSE DO; 
    IF  NOT MISSING(CLNO ) AND 
      CLNO  <                  2.5 THEN DO; 

      _BRANCH_ = -1; 
        IF  NOT MISSING(VALUE ) AND 
        VALUE  <              75083.5 THEN DO; 
         _BRANCH_ =    1; 
        END; 
        ELSE IF  NOT MISSING(VALUE ) AND 
                     75083.5 <= VALUE  THEN DO; 
         _BRANCH_ =    2; 
        END; 
      IF _BRANCH_ LT 0 AND NOT MISSING(MORTDUE ) THEN DO; 
          IF  NOT MISSING(MORTDUE ) AND 
          MORTDUE  <     78543.5494665215 THEN DO; 
           _BRANCH_ =    1; 
          END; 
          ELSE IF  NOT MISSING(MORTDUE ) AND 
              78543.5494665215 <= MORTDUE  THEN DO; 
           _BRANCH_ =    2; 
          END; 
        END; 
      IF _BRANCH_ LT 0 AND NOT MISSING(LOAN ) THEN DO; 
          IF  NOT MISSING(LOAN ) AND 
          LOAN  <                15450 THEN DO; 
           _BRANCH_ =    1; 
          END; 
          ELSE IF  NOT MISSING(LOAN ) AND 
                         15450 <= LOAN  THEN DO; 
           _BRANCH_ =    2; 
          END; 
        END; 
      IF _BRANCH_ LT 0 THEN _BRANCH_ =    1; 

      IF _BRANCH_ EQ    2 THEN DO; 
        _NODE_  =                   17; 
        _LEAF_  =                    5; 
        P_BAD1  =                    1; 
        P_BAD0  =                    0; 
        I_BAD  = '1' ; 
        U_BAD  =                    1; 
        END; 
      ELSE DO; 

        _BRANCH_ = -1; 
          IF  NOT MISSING(CLNO ) AND 
          CLNO  <                  0.5 THEN DO; 
           _BRANCH_ =    1; 
          END; 
          ELSE IF  NOT MISSING(CLNO ) AND 
                           0.5 <= CLNO  THEN DO; 
           _BRANCH_ =    2; 
          END; 
        IF _BRANCH_ LT 0 AND NOT MISSING(MORTDUE ) THEN DO; 
            IF  NOT MISSING(MORTDUE ) AND 
                            6867 <= MORTDUE  THEN DO; 
             _BRANCH_ =    1; 
            END; 
            ELSE IF  NOT MISSING(MORTDUE ) AND 
            MORTDUE  <                 6867 THEN DO; 
             _BRANCH_ =    2; 
            END; 
          END; 
        IF _BRANCH_ LT 0 AND NOT MISSING(VALUE ) THEN DO; 
            IF  NOT MISSING(VALUE ) AND 
                           43258 <= VALUE  THEN DO; 
             _BRANCH_ =    1; 
            END; 
            ELSE IF  NOT MISSING(VALUE ) AND 
            VALUE  <                43258 THEN DO; 
             _BRANCH_ =    2; 
            END; 
          END; 
        IF _BRANCH_ LT 0 THEN _BRANCH_ =    1; 

        IF _BRANCH_ EQ    2 THEN DO; 
          _NODE_  =                   25; 
          _LEAF_  =                    4; 
          P_BAD1  =                    1; 
          P_BAD0  =                    0; 
          I_BAD  = '1' ; 
          U_BAD  =                    1; 
          END; 
        ELSE DO; 
          _NODE_  =                   24; 
          _LEAF_  =                    3; 
          P_BAD1  =     0.11111111111111; 
          P_BAD0  =     0.88888888888888; 
          I_BAD  = '0' ; 
          U_BAD  =                    0; 
          END; 
        END; 
      END; 
    ELSE DO; 
      _NODE_  =                   11; 
      _LEAF_  =                    6; 
      P_BAD1  =     0.11441307578008; 
      P_BAD0  =     0.88558692421991; 
      I_BAD  = '0' ; 
      U_BAD  =                    0; 
      END; 
    END; 
  END; 

****************************************************************; 
******          END OF DECISION TREE SCORING CODE         ******; 
****************************************************************; 
*--------------------------------------------------------------*; 
* TARGET=DEBTINC : Regression Model; 
*--------------------------------------------------------------*; 
*************************************; 
*** begin scoring code for regression; 
*************************************; 

length _WARN_ $4; 
label _WARN_ = 'Warnings' ; 

drop _Y; 
_Y = DEBTINC ; 

drop _DM_BAD; 
_DM_BAD=0; 

*** Check LOAN for missing values ; 
if missing( LOAN ) then do; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 

*** Check MORTDUE for missing values ; 
if missing( MORTDUE ) then do; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 

*** Check VALUE for missing values ; 
if missing( VALUE ) then do; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 

*** Check CLNO for missing values ; 
if missing( CLNO ) then do; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 

*** Check INDELINQ for missing values ; 
if missing( INDELINQ ) then do; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 

*** Check P_BAD1 for missing values ; 
if missing( P_BAD1 ) then do; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 

*** Generate dummy variables for REASON ; 
drop _0_0 ; 
if missing( REASON ) then do; 
   _0_0 = .; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 
else do; 
   length _dm7 $ 7; drop _dm7 ; 
   %DMNORMCP( REASON , _dm7 ) 
   if _dm7 = 'DEBTCON'  then do; 
      _0_0 = 1; 
   end; 
   else if _dm7 = 'HOMEIMP'  then do; 
      _0_0 = -1; 
   end; 
   else do; 
      _0_0 = .; 
      substr(_warn_,2,1) = 'U'; 
      _DM_BAD = 1; 
   end; 
end; 

*** Generate dummy variables for JOB ; 
drop _1_0 ; 
if missing( JOB ) then do; 
   _1_0 = .; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 
else do; 
   length _dm7 $ 7; drop _dm7 ; 
   %DMNORMCP( JOB , _dm7 ) 
   if _dm7 = 'OTHER'  then do; 
      _1_0 = 1; 
   end; 
   else if _dm7 = 'PROFEXE'  then do; 
      _1_0 = -1; 
   end; 
   else do; 
      _1_0 = .; 
      substr(_warn_,2,1) = 'U'; 
      _DM_BAD = 1; 
   end; 
end; 

*** Generate dummy variables for NINQ_XA9 ; 
drop _2_0 _2_1 ; 
if missing( NINQ_XA9 ) then do; 
   _2_0 = .; 
   _2_1 = .; 
   substr(_warn_,1,1) = 'M'; 
   _DM_BAD = 1; 
end; 
else do; 
   length _dm17 $ 17; drop _dm17 ; 
   _dm17 = put( NINQ_XA9 , NINQ_PP_17. ); 
   %DMNORMIP( _dm17 ) 
   if _dm17 = '0001:LOW-0.5'  then do; 
      _2_0 = 1; 
      _2_1 = 0; 
   end; 
   else if _dm17 = '0002:0.5-1.5'  then do; 
      _2_0 = 0; 
      _2_1 = 1; 
   end; 
   else if _dm17 = '0003:1.5-HIGH'  then do; 
      _2_0 = -1; 
      _2_1 = -1; 
   end; 
   else do; 
      _2_0 = .; 
      _2_1 = .; 
      substr(_warn_,2,1) = 'U'; 
      _DM_BAD = 1; 
   end; 
end; 

*** If missing inputs, use averages; 
if _DM_BAD > 0 then do; 
   _LP0 =     33.4731171764995; 
   goto VX1DR1; 
end; 

*** Compute Linear Predictor; 
drop _TEMP; 
drop _LP0; 
_LP0 = 0; 

***  Effect: LOAN ; 
_TEMP = LOAN ; 
_LP0 = _LP0 + (    0.00003969502913 * _TEMP); 

***  Effect: MORTDUE ; 
_TEMP = MORTDUE ; 
_LP0 = _LP0 + (     0.0000123909236 * _TEMP); 

***  Effect: VALUE ; 
_TEMP = VALUE ; 
_LP0 = _LP0 + (   2.991616805052E-6 * _TEMP); 

***  Effect: REASON ; 
_TEMP = 1; 
_LP0 = _LP0 + (   -0.16084046371068) * _TEMP * _0_0; 

***  Effect: JOB ; 
_TEMP = 1; 
_LP0 = _LP0 + (    1.29288489761007) * _TEMP * _1_0; 

***  Effect: CLNO ; 
_TEMP = CLNO ; 
_LP0 = _LP0 + (    0.12518228039632 * _TEMP); 

***  Effect: INDELINQ ; 
_TEMP = INDELINQ ; 
_LP0 = _LP0 + (   -0.19916135207979 * _TEMP); 

***  Effect: NINQ_XA9 ; 
_TEMP = 1; 
_LP0 = _LP0 + (    -1.2137210426341) * _TEMP * _2_0; 
_LP0 = _LP0 + (   -0.42580879207021) * _TEMP * _2_1; 

***  Effect: P_BAD1 ; 
_TEMP = P_BAD1 ; 
_LP0 = _LP0 + (     0.9879474353126 * _TEMP); 
*--- Intercept ---*; 
_LP0 = _LP0 + (    28.3101853652795); 

VX1DR1: 

*** Predicted Value, Error, and Residual; 
label P_DEBTINC = 'Predicted: DEBTINC' ; 
P_DEBTINC = _LP0; 

drop _R; 
if _Y = . then do; 
   R_DEBTINC = .; 
end; 
else do; 
   _R = _Y - _LP0; 
    label R_DEBTINC = 'Residual: DEBTINC' ; 
   R_DEBTINC = _R; 
end; 

*************************************; 
***** end scoring code for regression; 
*************************************; 
*--------------------------------------------------------------*; 
* End of Value Model. Target= DEBTINC; 
*--------------------------------------------------------------*; 
* Create Expected value. Bias= None; 
*--------------------------------------------------------------*; 
label EV_DEBTINC='Expected Value: DEBTINC'; 
EV_DEBTINC= P_DEBTINC ; 
*--------------------------------------------------------------*; 
* Two Stage Model: DEBTINC: Decisions; 
*--------------------------------------------------------------*; 
**** NO DECISION CODE;