| Covariate | Scaled levels |
|---|---|
| creditscore | −4,−3,−2,−1, 0, 1, 2, 3, 4 |
| yearsemploy | −2,−1, 0, 1, 2, 3, 4 |
| ccDebt | −2,−1, 0, 1, 2, 3, 4 |
| houseAge | −2,−1, 0, 1, 2 |
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