Three risk strata based on HAVOC score. In the derivation cohort, AF rate in the low, medium, and high risk strata was 2.5%, 11.8%, and 24.9% respectively. In the validation cohort, AF rate in the low, medium, and high risk strata was 2.6%, 11.1%, and 20.3% respectively. There is a significant increase in risk between each stratum (p<.0001) by Cochran-Armitage trending test for both derivation and validation cohorts.