Table 2.

Parameters of Net11, Net12 and Net13 (the independent variable is PD)

Net11				Net12				Net13
IHW	Hb	HOW	Ob	IHW	Hb	HOW	Ob	IHW	Hb	HOW	Ob
7.73	$-$9.08	$-$4.11	3.23	$-$9.09	7.73	2.36	0.83	$-$8.51	8.29	0.62	0.01
8.48	$-$4.94	$-$0.02	–	$-$10.93	5.46	$-$4.68	–	$-$8.43	4.95	0.33	–
$-$8.43	1.25	$-$0.69	–	$-$17.14	4.11	$-$4.23	–	$-$8.36	1.76	$-$1.06	–
$-$21.60	$-$19.78	$-$17.28	–	6.39	$-$1.80	$-$6.98	–	$-$8.21	$-$6.68	2.05	–
$-$34.18	$-$30.83	9.78	–	8.64	7.07	2.83	–	20.35	17.12	5.10	–
$-$9.64	$-$9.61	15.17		$-$8.88	$-$8.45	2.64		$-$19.60	$-$16.96	3.96