id	sid	tid	token	lemma	pos
work_wqit3j3isractbtv2fgeoweo5y	1	1	Credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	1	2	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	1	3	using	use	VBG
work_wqit3j3isractbtv2fgeoweo5y	1	4	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	1	5	clustered	clustered	JJ
work_wqit3j3isractbtv2fgeoweo5y	1	6	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	1	7	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	1	8	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	1	9	Credit	Credit	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	10	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	1	11	using	use	VBG
work_wqit3j3isractbtv2fgeoweo5y	1	12	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	1	13	clustered	clustered	JJ
work_wqit3j3isractbtv2fgeoweo5y	1	14	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	1	15	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	1	16	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	1	17	Terry	Terry	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	18	Harris	Harris	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	19	⇑	⇑	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	20	Credit	Credit	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	21	Research	Research	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	22	Unit	Unit	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	23	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	1	24	Department	Department	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	25	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	1	26	Management	Management	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	27	Studies	Studies	NNPS
work_wqit3j3isractbtv2fgeoweo5y	1	28	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	1	29	The	the	DT
work_wqit3j3isractbtv2fgeoweo5y	1	30	University	University	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	31	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	1	32	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	1	33	West	West	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	34	Indies	Indies	NNPS
work_wqit3j3isractbtv2fgeoweo5y	1	35	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	1	36	Cave	Cave	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	37	Hill	Hill	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	38	Campus	Campus	NNP
work_wqit3j3isractbtv2fgeoweo5y	1	39	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	1	40	P.O.	P.O.	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	1	Box	Box	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	2	64	64	CD
work_wqit3j3isractbtv2fgeoweo5y	2	3	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	2	4	Barbados	Barbados	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	5	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	2	6	r	r	NN
work_wqit3j3isractbtv2fgeoweo5y	2	7	t	t	NN
work_wqit3j3isractbtv2fgeoweo5y	2	8	i	i	NN
work_wqit3j3isractbtv2fgeoweo5y	2	9	c	c	NN
work_wqit3j3isractbtv2fgeoweo5y	2	10	l	l	NN
work_wqit3j3isractbtv2fgeoweo5y	2	11	e	e	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	12	i	i	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	13	n	n	CC
work_wqit3j3isractbtv2fgeoweo5y	2	14	f	f	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	15	o	o	XX
work_wqit3j3isractbtv2fgeoweo5y	2	16	Article	article	NN
work_wqit3j3isractbtv2fgeoweo5y	2	17	history	history	NN
work_wqit3j3isractbtv2fgeoweo5y	2	18	:	:	:
work_wqit3j3isractbtv2fgeoweo5y	2	19	Available	available	JJ
work_wqit3j3isractbtv2fgeoweo5y	2	20	online	online	JJ
work_wqit3j3isractbtv2fgeoweo5y	2	21	6	6	CD
work_wqit3j3isractbtv2fgeoweo5y	2	22	September	September	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	23	2014	2014	CD
work_wqit3j3isractbtv2fgeoweo5y	2	24	Keywords	Keywords	NNPS
work_wqit3j3isractbtv2fgeoweo5y	2	25	:	:	:
work_wqit3j3isractbtv2fgeoweo5y	2	26	Credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	2	27	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	2	28	Credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	2	29	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	2	30	Clustered	clustered	JJ
work_wqit3j3isractbtv2fgeoweo5y	2	31	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	2	32	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	2	33	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	2	34	Support	Support	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	35	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	2	36	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	2	37	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	2	38	b	b	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	39	s	s	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	40	t	t	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	41	r	r	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	42	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	2	43	c	c	NN
work_wqit3j3isractbtv2fgeoweo5y	2	44	t	t	NN
work_wqit3j3isractbtv2fgeoweo5y	2	45	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	2	46	work	work	NN
work_wqit3j3isractbtv2fgeoweo5y	2	47	investigates	investigate	VBZ
work_wqit3j3isractbtv2fgeoweo5y	2	48	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	2	49	practice	practice	NN
work_wqit3j3isractbtv2fgeoweo5y	2	50	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	2	51	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	2	52	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	2	53	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	2	54	introduces	introduce	VBZ
work_wqit3j3isractbtv2fgeoweo5y	2	55	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	2	56	use	use	NN
work_wqit3j3isractbtv2fgeoweo5y	2	57	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	2	58	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	2	59	clustered	clustered	JJ
work_wqit3j3isractbtv2fgeoweo5y	2	60	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	2	61	vec-	vec-	IN
work_wqit3j3isractbtv2fgeoweo5y	2	62	tor	tor	NN
work_wqit3j3isractbtv2fgeoweo5y	2	63	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	2	64	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	2	65	CSVM	CSVM	NNP
work_wqit3j3isractbtv2fgeoweo5y	2	66	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	2	67	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	2	68	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	2	69	scorecard	scorecard	NN
work_wqit3j3isractbtv2fgeoweo5y	2	70	development	development	NN
work_wqit3j3isractbtv2fgeoweo5y	2	71	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	3	1	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	3	2	recently	recently	RB
work_wqit3j3isractbtv2fgeoweo5y	3	3	designed	design	VBD
work_wqit3j3isractbtv2fgeoweo5y	3	4	algorithm	algorithm	NN
work_wqit3j3isractbtv2fgeoweo5y	3	5	addresses	address	VBZ
work_wqit3j3isractbtv2fgeoweo5y	3	6	some	some	DT
work_wqit3j3isractbtv2fgeoweo5y	3	7	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	3	8	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	3	9	limitations	limitation	NNS
work_wqit3j3isractbtv2fgeoweo5y	3	10	noted	note	VBN
work_wqit3j3isractbtv2fgeoweo5y	3	11	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	3	12	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	3	13	literature	literature	NN
work_wqit3j3isractbtv2fgeoweo5y	3	14	that	that	WDT
work_wqit3j3isractbtv2fgeoweo5y	3	15	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	3	16	associated	associate	VBN
work_wqit3j3isractbtv2fgeoweo5y	3	17	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	3	18	traditional	traditional	JJ
work_wqit3j3isractbtv2fgeoweo5y	3	19	nonlinear	nonlinear	JJ
work_wqit3j3isractbtv2fgeoweo5y	3	20	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	3	21	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	3	22	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	3	23	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	3	24	SVM	SVM	NNP
work_wqit3j3isractbtv2fgeoweo5y	3	25	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	3	26	based	base	VBN
work_wqit3j3isractbtv2fgeoweo5y	3	27	methods	method	NNS
work_wqit3j3isractbtv2fgeoweo5y	3	28	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	3	29	classification	classification	NN
work_wqit3j3isractbtv2fgeoweo5y	3	30	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	4	1	Specifically	specifically	RB
work_wqit3j3isractbtv2fgeoweo5y	4	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	4	3	it	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	4	4	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	4	5	well	well	RB
work_wqit3j3isractbtv2fgeoweo5y	4	6	known	know	VBN
work_wqit3j3isractbtv2fgeoweo5y	4	7	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	4	8	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	4	9	historical	historical	JJ
work_wqit3j3isractbtv2fgeoweo5y	4	10	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	4	11	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	4	12	datasets	dataset	NNS
work_wqit3j3isractbtv2fgeoweo5y	4	13	get	get	VB
work_wqit3j3isractbtv2fgeoweo5y	4	14	large	large	JJ
work_wqit3j3isractbtv2fgeoweo5y	4	15	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	4	16	these	these	DT
work_wqit3j3isractbtv2fgeoweo5y	4	17	nonlinear	nonlinear	JJ
work_wqit3j3isractbtv2fgeoweo5y	4	18	approaches	approach	NNS
work_wqit3j3isractbtv2fgeoweo5y	4	19	while	while	IN
work_wqit3j3isractbtv2fgeoweo5y	4	20	highly	highly	RB
work_wqit3j3isractbtv2fgeoweo5y	4	21	accurate	accurate	JJ
work_wqit3j3isractbtv2fgeoweo5y	4	22	become	become	VBP
work_wqit3j3isractbtv2fgeoweo5y	4	23	computationally	computationally	RB
work_wqit3j3isractbtv2fgeoweo5y	4	24	expensive	expensive	JJ
work_wqit3j3isractbtv2fgeoweo5y	4	25	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	5	1	Accordingly	accordingly	RB
work_wqit3j3isractbtv2fgeoweo5y	5	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	5	3	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	5	4	study	study	NN
work_wqit3j3isractbtv2fgeoweo5y	5	5	compares	compare	VBZ
work_wqit3j3isractbtv2fgeoweo5y	5	6	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	5	7	CSVM	CSVM	NNP
work_wqit3j3isractbtv2fgeoweo5y	5	8	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	5	9	other	other	JJ
work_wqit3j3isractbtv2fgeoweo5y	5	10	nonlinear	nonlinear	NN
work_wqit3j3isractbtv2fgeoweo5y	5	11	SVM	SVM	NNP
work_wqit3j3isractbtv2fgeoweo5y	5	12	based	base	VBN
work_wqit3j3isractbtv2fgeoweo5y	5	13	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	5	14	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	5	15	shows	show	VBZ
work_wqit3j3isractbtv2fgeoweo5y	5	16	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	5	17	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	5	18	CSVM	CSVM	NNP
work_wqit3j3isractbtv2fgeoweo5y	5	19	can	can	MD
work_wqit3j3isractbtv2fgeoweo5y	5	20	achieve	achieve	VB
work_wqit3j3isractbtv2fgeoweo5y	5	21	comparable	comparable	JJ
work_wqit3j3isractbtv2fgeoweo5y	5	22	levels	level	NNS
work_wqit3j3isractbtv2fgeoweo5y	5	23	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	5	24	classification	classification	NN
work_wqit3j3isractbtv2fgeoweo5y	5	25	performance	performance	NN
work_wqit3j3isractbtv2fgeoweo5y	5	26	while	while	IN
work_wqit3j3isractbtv2fgeoweo5y	5	27	remaining	remain	VBG
work_wqit3j3isractbtv2fgeoweo5y	5	28	relatively	relatively	RB
work_wqit3j3isractbtv2fgeoweo5y	5	29	cheap	cheap	JJ
work_wqit3j3isractbtv2fgeoweo5y	5	30	computationally	computationally	RB
work_wqit3j3isractbtv2fgeoweo5y	5	31	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	6	1	�	�	NNP
work_wqit3j3isractbtv2fgeoweo5y	6	2	2014	2014	CD
work_wqit3j3isractbtv2fgeoweo5y	6	3	Elsevier	Elsevier	NNP
work_wqit3j3isractbtv2fgeoweo5y	6	4	Ltd.	Ltd.	NNP
work_wqit3j3isractbtv2fgeoweo5y	6	5	All	all	DT
work_wqit3j3isractbtv2fgeoweo5y	6	6	rights	right	NNS
work_wqit3j3isractbtv2fgeoweo5y	6	7	reserved	reserve	VBN
work_wqit3j3isractbtv2fgeoweo5y	6	8	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	7	1	1	1	LS
work_wqit3j3isractbtv2fgeoweo5y	7	2	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	8	1	Introduction	introduction	NN
work_wqit3j3isractbtv2fgeoweo5y	8	2	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	8	3	recent	recent	JJ
work_wqit3j3isractbtv2fgeoweo5y	8	4	years	year	NNS
work_wqit3j3isractbtv2fgeoweo5y	8	5	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	8	6	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	8	7	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	8	8	assessment	assessment	NN
work_wqit3j3isractbtv2fgeoweo5y	8	9	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	8	10	attracted	attract	VBN
work_wqit3j3isractbtv2fgeoweo5y	8	11	significant	significant	JJ
work_wqit3j3isractbtv2fgeoweo5y	8	12	attention	attention	NN
work_wqit3j3isractbtv2fgeoweo5y	8	13	from	from	IN
work_wqit3j3isractbtv2fgeoweo5y	8	14	managers	manager	NNS
work_wqit3j3isractbtv2fgeoweo5y	8	15	at	at	IN
work_wqit3j3isractbtv2fgeoweo5y	8	16	financial	financial	JJ
work_wqit3j3isractbtv2fgeoweo5y	8	17	institutions	institution	NNS
work_wqit3j3isractbtv2fgeoweo5y	8	18	around	around	IN
work_wqit3j3isractbtv2fgeoweo5y	8	19	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	8	20	world	world	NN
work_wqit3j3isractbtv2fgeoweo5y	8	21	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	9	1	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	9	2	increased	increase	VBN
work_wqit3j3isractbtv2fgeoweo5y	9	3	interest	interest	NN
work_wqit3j3isractbtv2fgeoweo5y	9	4	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	9	5	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	9	6	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	9	7	no	no	DT
work_wqit3j3isractbtv2fgeoweo5y	9	8	small	small	JJ
work_wqit3j3isractbtv2fgeoweo5y	9	9	part	part	NN
work_wqit3j3isractbtv2fgeoweo5y	9	10	caused	cause	VBN
work_wqit3j3isractbtv2fgeoweo5y	9	11	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	9	12	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	9	13	weaknesses	weakness	NNS
work_wqit3j3isractbtv2fgeoweo5y	9	14	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	9	15	existing	exist	VBG
work_wqit3j3isractbtv2fgeoweo5y	9	16	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	9	17	management	management	NN
work_wqit3j3isractbtv2fgeoweo5y	9	18	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	9	19	that	that	WDT
work_wqit3j3isractbtv2fgeoweo5y	9	20	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	9	21	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	9	22	revealed	reveal	VBN
work_wqit3j3isractbtv2fgeoweo5y	9	23	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	9	24	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	9	25	recent	recent	JJ
work_wqit3j3isractbtv2fgeoweo5y	9	26	financial	financial	JJ
work_wqit3j3isractbtv2fgeoweo5y	9	27	crisis	crisis	NN
work_wqit3j3isractbtv2fgeoweo5y	9	28	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	9	29	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	9	30	growing	grow	VBG
work_wqit3j3isractbtv2fgeoweo5y	9	31	demand	demand	NN
work_wqit3j3isractbtv2fgeoweo5y	9	32	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	9	33	consumer	consumer	NN
work_wqit3j3isractbtv2fgeoweo5y	9	34	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	9	35	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	9	36	Wang	Wang	NNP
work_wqit3j3isractbtv2fgeoweo5y	9	37	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	9	38	Yan	Yan	NNP
work_wqit3j3isractbtv2fgeoweo5y	9	39	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	9	40	&	&	CC
work_wqit3j3isractbtv2fgeoweo5y	9	41	Zhang	Zhang	NNP
work_wqit3j3isractbtv2fgeoweo5y	9	42	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	9	43	2011	2011	CD
work_wqit3j3isractbtv2fgeoweo5y	9	44	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	9	45	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	10	1	Address-	Address-	NNP
work_wqit3j3isractbtv2fgeoweo5y	10	2	ing	e	VBG
work_wqit3j3isractbtv2fgeoweo5y	10	3	these	these	DT
work_wqit3j3isractbtv2fgeoweo5y	10	4	concerns	concern	NNS
work_wqit3j3isractbtv2fgeoweo5y	10	5	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	6	over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	10	7	past	past	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	8	decades	decade	NNS
work_wqit3j3isractbtv2fgeoweo5y	10	9	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	10	10	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	10	11	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	10	12	become	become	VBN
work_wqit3j3isractbtv2fgeoweo5y	10	13	increasingly	increasingly	RB
work_wqit3j3isractbtv2fgeoweo5y	10	14	important	important	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	15	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	10	16	financial	financial	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	17	institutions	institution	NNS
work_wqit3j3isractbtv2fgeoweo5y	10	18	move	move	VBP
work_wqit3j3isractbtv2fgeoweo5y	10	19	away	away	RB
work_wqit3j3isractbtv2fgeoweo5y	10	20	from	from	IN
work_wqit3j3isractbtv2fgeoweo5y	10	21	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	10	22	traditional	traditional	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	23	manual	manual	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	24	approaches	approach	NNS
work_wqit3j3isractbtv2fgeoweo5y	10	25	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	10	26	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	10	27	more	more	RBR
work_wqit3j3isractbtv2fgeoweo5y	10	28	advanced	advanced	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	29	method	method	NN
work_wqit3j3isractbtv2fgeoweo5y	10	30	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	31	which	which	WDT
work_wqit3j3isractbtv2fgeoweo5y	10	32	entails	entail	VBZ
work_wqit3j3isractbtv2fgeoweo5y	10	33	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	10	34	building	building	NN
work_wqit3j3isractbtv2fgeoweo5y	10	35	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	10	36	complex	complex	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	37	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	10	38	models	model	NNS
work_wqit3j3isractbtv2fgeoweo5y	10	39	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	10	40	Huang	Huang	NNP
work_wqit3j3isractbtv2fgeoweo5y	10	41	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	42	Chen	Chen	NNP
work_wqit3j3isractbtv2fgeoweo5y	10	43	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	44	&	&	CC
work_wqit3j3isractbtv2fgeoweo5y	10	45	Wang	Wang	NNP
work_wqit3j3isractbtv2fgeoweo5y	10	46	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	47	2007	2007	CD
work_wqit3j3isractbtv2fgeoweo5y	10	48	;	;	:
work_wqit3j3isractbtv2fgeoweo5y	10	49	Zhou	Zhou	NNP
work_wqit3j3isractbtv2fgeoweo5y	10	50	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	51	Lai	Lai	NNP
work_wqit3j3isractbtv2fgeoweo5y	10	52	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	53	&	&	CC
work_wqit3j3isractbtv2fgeoweo5y	10	54	Yu	Yu	NNP
work_wqit3j3isractbtv2fgeoweo5y	10	55	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	10	56	2010	2010	CD
work_wqit3j3isractbtv2fgeoweo5y	10	57	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	10	58	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	11	1	Many	many	JJ
work_wqit3j3isractbtv2fgeoweo5y	11	2	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	11	3	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	11	4	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	11	5	methods	method	NNS
work_wqit3j3isractbtv2fgeoweo5y	11	6	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	11	7	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	11	8	build	build	VB
work_wqit3j3isractbtv2fgeoweo5y	11	9	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	11	10	scorecards	scorecard	NNS
work_wqit3j3isractbtv2fgeoweo5y	11	11	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	11	12	based	base	VBN
work_wqit3j3isractbtv2fgeoweo5y	11	13	on	on	IN
work_wqit3j3isractbtv2fgeoweo5y	11	14	traditional	traditional	JJ
work_wqit3j3isractbtv2fgeoweo5y	11	15	classification	classification	NN
work_wqit3j3isractbtv2fgeoweo5y	11	16	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	11	17	such	such	JJ
work_wqit3j3isractbtv2fgeoweo5y	11	18	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	11	19	logistic	logistic	JJ
work_wqit3j3isractbtv2fgeoweo5y	11	20	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	11	21	or	or	CC
work_wqit3j3isractbtv2fgeoweo5y	11	22	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	11	23	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	11	24	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	12	1	However	however	RB
work_wqit3j3isractbtv2fgeoweo5y	12	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	12	3	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	12	4	recent	recent	JJ
work_wqit3j3isractbtv2fgeoweo5y	12	5	times	time	NNS
work_wqit3j3isractbtv2fgeoweo5y	12	6	non	non	JJ
work_wqit3j3isractbtv2fgeoweo5y	12	7	-	-	JJ
work_wqit3j3isractbtv2fgeoweo5y	12	8	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	12	9	approaches,1	approaches,1	NNS
work_wqit3j3isractbtv2fgeoweo5y	12	10	such	such	JJ
work_wqit3j3isractbtv2fgeoweo5y	12	11	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	12	12	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	12	13	kernel	kernel	NNP
work_wqit3j3isractbtv2fgeoweo5y	12	14	support	support	VBP
work_wqit3j3isractbtv2fgeoweo5y	12	15	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	12	16	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	12	17	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	12	18	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	12	19	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	12	20	applied	apply	VBN
work_wqit3j3isractbtv2fgeoweo5y	12	21	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	12	22	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	12	23	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	12	24	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	13	1	These	these	DT
work_wqit3j3isractbtv2fgeoweo5y	13	2	methods	method	NNS
work_wqit3j3isractbtv2fgeoweo5y	13	3	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	13	4	helped	help	VBN
work_wqit3j3isractbtv2fgeoweo5y	13	5	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	13	6	increase	increase	VB
work_wqit3j3isractbtv2fgeoweo5y	13	7	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	13	8	accuracy	accuracy	NN
work_wqit3j3isractbtv2fgeoweo5y	13	9	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	13	10	reliability	reliability	NN
work_wqit3j3isractbtv2fgeoweo5y	13	11	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	13	12	many	many	JJ
work_wqit3j3isractbtv2fgeoweo5y	13	13	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	13	14	scorecards	scorecard	NNS
work_wqit3j3isractbtv2fgeoweo5y	13	15	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	13	16	Bellotti	Bellotti	NNP
work_wqit3j3isractbtv2fgeoweo5y	13	17	&	&	CC
work_wqit3j3isractbtv2fgeoweo5y	13	18	Crook	Crook	NNP
work_wqit3j3isractbtv2fgeoweo5y	13	19	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	13	20	2009	2009	CD
work_wqit3j3isractbtv2fgeoweo5y	13	21	;	;	:
work_wqit3j3isractbtv2fgeoweo5y	13	22	Yu	Yu	NNP
work_wqit3j3isractbtv2fgeoweo5y	13	23	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	13	24	2008	2008	CD
work_wqit3j3isractbtv2fgeoweo5y	13	25	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	13	26	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	14	1	Nevertheless	nevertheless	RB
work_wqit3j3isractbtv2fgeoweo5y	14	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	14	3	despite	despite	IN
work_wqit3j3isractbtv2fgeoweo5y	14	4	these	these	DT
work_wqit3j3isractbtv2fgeoweo5y	14	5	advances	advance	NNS
work_wqit3j3isractbtv2fgeoweo5y	14	6	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	14	7	analyst	analyst	NN
work_wqit3j3isractbtv2fgeoweo5y	14	8	at	at	IN
work_wqit3j3isractbtv2fgeoweo5y	14	9	financial	financial	JJ
work_wqit3j3isractbtv2fgeoweo5y	14	10	institutions	institution	NNS
work_wqit3j3isractbtv2fgeoweo5y	14	11	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	14	12	pressed	press	VBN
work_wqit3j3isractbtv2fgeoweo5y	14	13	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	14	14	continually	continually	RB
work_wqit3j3isractbtv2fgeoweo5y	14	15	pursue	pursue	VB
work_wqit3j3isractbtv2fgeoweo5y	14	16	improvements	improvement	NNS
work_wqit3j3isractbtv2fgeoweo5y	14	17	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	14	18	classifier	classifier	NN
work_wqit3j3isractbtv2fgeoweo5y	14	19	performance	performance	NN
work_wqit3j3isractbtv2fgeoweo5y	14	20	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	14	21	an	an	DT
work_wqit3j3isractbtv2fgeoweo5y	14	22	attempt	attempt	NN
work_wqit3j3isractbtv2fgeoweo5y	14	23	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	14	24	mitigate	mitigate	VB
work_wqit3j3isractbtv2fgeoweo5y	14	25	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	14	26	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	14	27	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	14	28	faced	face	VBN
work_wqit3j3isractbtv2fgeoweo5y	14	29	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	14	30	their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	14	31	institutions	institution	NNS
work_wqit3j3isractbtv2fgeoweo5y	14	32	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	15	1	However	however	RB
work_wqit3j3isractbtv2fgeoweo5y	15	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	15	3	many	many	JJ
work_wqit3j3isractbtv2fgeoweo5y	15	4	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	15	5	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	15	6	improvements	improvement	NNS
work_wqit3j3isractbtv2fgeoweo5y	15	7	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	15	8	classifier	classifier	NN
work_wqit3j3isractbtv2fgeoweo5y	15	9	performances	performance	NNS
work_wqit3j3isractbtv2fgeoweo5y	15	10	remain	remain	VBP
work_wqit3j3isractbtv2fgeoweo5y	15	11	unreported	unreported	JJ
work_wqit3j3isractbtv2fgeoweo5y	15	12	due	due	IN
work_wqit3j3isractbtv2fgeoweo5y	15	13	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	15	14	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	15	15	proprietary	proprietary	JJ
work_wqit3j3isractbtv2fgeoweo5y	15	16	nature	nature	NN
work_wqit3j3isractbtv2fgeoweo5y	15	17	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	15	18	industry	industry	NN
work_wqit3j3isractbtv2fgeoweo5y	15	19	led	lead	VBD
work_wqit3j3isractbtv2fgeoweo5y	15	20	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	15	21	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	15	22	research	research	NN
work_wqit3j3isractbtv2fgeoweo5y	15	23	which	which	WDT
work_wqit3j3isractbtv2fgeoweo5y	15	24	attempts	attempt	VBZ
work_wqit3j3isractbtv2fgeoweo5y	15	25	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	15	26	find	find	VB
work_wqit3j3isractbtv2fgeoweo5y	15	27	more	more	RBR
work_wqit3j3isractbtv2fgeoweo5y	15	28	efficient	efficient	JJ
work_wqit3j3isractbtv2fgeoweo5y	15	29	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	15	30	effective	effective	JJ
work_wqit3j3isractbtv2fgeoweo5y	15	31	algorithms	algorithm	NNS
work_wqit3j3isractbtv2fgeoweo5y	15	32	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	16	1	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	16	2	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	16	3	wider	wide	JJR
work_wqit3j3isractbtv2fgeoweo5y	16	4	research	research	NN
work_wqit3j3isractbtv2fgeoweo5y	16	5	community	community	NN
work_wqit3j3isractbtv2fgeoweo5y	16	6	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	16	7	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	16	8	recent	recent	JJ
work_wqit3j3isractbtv2fgeoweo5y	16	9	vintages	vintage	NNS
work_wqit3j3isractbtv2fgeoweo5y	16	10	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	16	11	non	non	JJ
work_wqit3j3isractbtv2fgeoweo5y	16	12	-	-	JJ
work_wqit3j3isractbtv2fgeoweo5y	16	13	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	16	14	classifiers	classifier	NNS
work_wqit3j3isractbtv2fgeoweo5y	16	15	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	16	16	e.g.	e.g.	RB
work_wqit3j3isractbtv2fgeoweo5y	17	1	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	17	2	kernel	kernel	NNP
work_wqit3j3isractbtv2fgeoweo5y	17	3	support	support	VBP
work_wqit3j3isractbtv2fgeoweo5y	17	4	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	17	5	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	17	6	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	17	7	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	17	8	received	receive	VBN
work_wqit3j3isractbtv2fgeoweo5y	17	9	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	17	10	lot	lot	NN
work_wqit3j3isractbtv2fgeoweo5y	17	11	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	17	12	attention	attention	NN
work_wqit3j3isractbtv2fgeoweo5y	17	13	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	17	14	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	17	15	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	17	16	critiqued	critique	VBN
work_wqit3j3isractbtv2fgeoweo5y	17	17	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	17	18	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	17	19	inter	inter	NNP
work_wqit3j3isractbtv2fgeoweo5y	17	20	alia	alia	NNP
work_wqit3j3isractbtv2fgeoweo5y	17	21	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	17	22	their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	17	23	large	large	JJ
work_wqit3j3isractbtv2fgeoweo5y	17	24	time	time	NN
work_wqit3j3isractbtv2fgeoweo5y	17	25	complexities	complexity	NNS
work_wqit3j3isractbtv2fgeoweo5y	17	26	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	18	1	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	18	2	fact	fact	NN
work_wqit3j3isractbtv2fgeoweo5y	18	3	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	18	4	best	well	RBS
work_wqit3j3isractbtv2fgeoweo5y	18	5	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	18	6	known	know	VBN
work_wqit3j3isractbtv2fgeoweo5y	18	7	time	time	NN
work_wqit3j3isractbtv2fgeoweo5y	18	8	complexity	complexity	NN
work_wqit3j3isractbtv2fgeoweo5y	18	9	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	18	10	training	train	VBG
work_wqit3j3isractbtv2fgeoweo5y	18	11	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	18	12	kernel	kernel	NN
work_wqit3j3isractbtv2fgeoweo5y	18	13	based	base	VBN
work_wqit3j3isractbtv2fgeoweo5y	18	14	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	18	15	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	18	16	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	18	17	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	18	18	still	still	RB
work_wqit3j3isractbtv2fgeoweo5y	18	19	quadratic	quadratic	JJ
work_wqit3j3isractbtv2fgeoweo5y	18	20	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	18	21	Bordes	Bordes	NNPS
work_wqit3j3isractbtv2fgeoweo5y	18	22	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	18	23	Ertekin	Ertekin	NNP
work_wqit3j3isractbtv2fgeoweo5y	18	24	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	18	25	Weston	Weston	NNP
work_wqit3j3isractbtv2fgeoweo5y	18	26	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	18	27	&	&	CC
work_wqit3j3isractbtv2fgeoweo5y	18	28	Bottou	Bottou	NNP
work_wqit3j3isractbtv2fgeoweo5y	18	29	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	18	30	2005	2005	CD
work_wqit3j3isractbtv2fgeoweo5y	18	31	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	18	32	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	19	1	As	as	IN
work_wqit3j3isractbtv2fgeoweo5y	19	2	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	19	3	result	result	NN
work_wqit3j3isractbtv2fgeoweo5y	19	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	19	5	when	when	WRB
work_wqit3j3isractbtv2fgeoweo5y	19	6	applied	apply	VBN
work_wqit3j3isractbtv2fgeoweo5y	19	7	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	19	8	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	19	9	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	19	10	substantial	substantial	JJ
work_wqit3j3isractbtv2fgeoweo5y	19	11	computational	computational	JJ
work_wqit3j3isractbtv2fgeoweo5y	19	12	resources	resource	NNS
work_wqit3j3isractbtv2fgeoweo5y	19	13	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	19	14	consumed	consume	VBN
work_wqit3j3isractbtv2fgeoweo5y	19	15	when	when	WRB
work_wqit3j3isractbtv2fgeoweo5y	19	16	training	train	VBG
work_wqit3j3isractbtv2fgeoweo5y	19	17	on	on	IN
work_wqit3j3isractbtv2fgeoweo5y	19	18	reasonably	reasonably	RB
work_wqit3j3isractbtv2fgeoweo5y	19	19	sized	sized	JJ
work_wqit3j3isractbtv2fgeoweo5y	19	20	real	real	JJ
work_wqit3j3isractbtv2fgeoweo5y	19	21	world	world	NN
work_wqit3j3isractbtv2fgeoweo5y	19	22	datasets	dataset	NNS
work_wqit3j3isractbtv2fgeoweo5y	19	23	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	20	1	Accordingly	accordingly	RB
work_wqit3j3isractbtv2fgeoweo5y	20	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	20	3	efforts	effort	NNS
work_wqit3j3isractbtv2fgeoweo5y	20	4	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	20	5	develop	develop	VB
work_wqit3j3isractbtv2fgeoweo5y	20	6	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	20	7	apply	apply	VB
work_wqit3j3isractbtv2fgeoweo5y	20	8	new	new	JJ
work_wqit3j3isractbtv2fgeoweo5y	20	9	classifiers	classifier	NNS
work_wqit3j3isractbtv2fgeoweo5y	20	10	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	20	11	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	20	12	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	20	13	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	20	14	which	which	WDT
work_wqit3j3isractbtv2fgeoweo5y	20	15	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	20	16	capable	capable	JJ
work_wqit3j3isractbtv2fgeoweo5y	20	17	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	20	18	separating	separate	VBG
work_wqit3j3isractbtv2fgeoweo5y	20	19	nonlin-	nonlin-	JJ
work_wqit3j3isractbtv2fgeoweo5y	20	20	ear	ear	NN
work_wqit3j3isractbtv2fgeoweo5y	20	21	data	data	NN
work_wqit3j3isractbtv2fgeoweo5y	20	22	while	while	IN
work_wqit3j3isractbtv2fgeoweo5y	20	23	remaining	remain	VBG
work_wqit3j3isractbtv2fgeoweo5y	20	24	relatively	relatively	RB
work_wqit3j3isractbtv2fgeoweo5y	20	25	inexpensive	inexpensive	JJ
work_wqit3j3isractbtv2fgeoweo5y	20	26	computationally	computationally	RB
work_wqit3j3isractbtv2fgeoweo5y	20	27	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	20	28	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	20	29	well	well	RB
work_wqit3j3isractbtv2fgeoweo5y	20	30	placed	place	VBN
work_wqit3j3isractbtv2fgeoweo5y	20	31	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	21	1	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	21	2	paper	paper	NN
work_wqit3j3isractbtv2fgeoweo5y	21	3	investigates	investigate	VBZ
work_wqit3j3isractbtv2fgeoweo5y	21	4	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	21	5	suitability	suitability	NN
work_wqit3j3isractbtv2fgeoweo5y	21	6	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	21	7	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	21	8	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	21	9	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	21	10	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	21	11	recently	recently	RB
work_wqit3j3isractbtv2fgeoweo5y	21	12	developed	develop	VBN
work_wqit3j3isractbtv2fgeoweo5y	21	13	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	21	14	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	21	15	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	21	16	based	base	VBN
work_wqit3j3isractbtv2fgeoweo5y	21	17	algorithm	algorithm	NNP
work_wqit3j3isractbtv2fgeoweo5y	21	18	that	that	WDT
work_wqit3j3isractbtv2fgeoweo5y	21	19	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	21	20	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	21	21	proposed	propose	VBN
work_wqit3j3isractbtv2fgeoweo5y	21	22	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	21	23	Gu	Gu	NNP
work_wqit3j3isractbtv2fgeoweo5y	21	24	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	21	25	Han	Han	NNP
work_wqit3j3isractbtv2fgeoweo5y	21	26	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	21	27	2013	2013	CD
work_wqit3j3isractbtv2fgeoweo5y	21	28	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	21	29	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	22	1	Their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	22	2	clustered	clustered	JJ
work_wqit3j3isractbtv2fgeoweo5y	22	3	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	22	4	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	22	5	machine	machine	NN
work_wqit3j3isractbtv2fgeoweo5y	22	6	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	22	7	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	22	8	shown	show	VBN
work_wqit3j3isractbtv2fgeoweo5y	22	9	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	22	10	offer	offer	VB
work_wqit3j3isractbtv2fgeoweo5y	22	11	comparable	comparable	JJ
work_wqit3j3isractbtv2fgeoweo5y	22	12	performance	performance	NN
work_wqit3j3isractbtv2fgeoweo5y	22	13	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	22	14	kernel	kernel	NN
work_wqit3j3isractbtv2fgeoweo5y	22	15	based	base	VBN
work_wqit3j3isractbtv2fgeoweo5y	22	16	approaches	approach	NNS
work_wqit3j3isractbtv2fgeoweo5y	22	17	while	while	IN
work_wqit3j3isractbtv2fgeoweo5y	22	18	remaining	remain	VBG
work_wqit3j3isractbtv2fgeoweo5y	22	19	cheap	cheap	JJ
work_wqit3j3isractbtv2fgeoweo5y	22	20	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	22	21	terms	term	NNS
work_wqit3j3isractbtv2fgeoweo5y	22	22	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	22	23	computational	computational	JJ
work_wqit3j3isractbtv2fgeoweo5y	22	24	time	time	NN
work_wqit3j3isractbtv2fgeoweo5y	22	25	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	23	1	Furthermore	furthermore	RB
work_wqit3j3isractbtv2fgeoweo5y	23	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	23	3	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	23	4	study	study	NN
work_wqit3j3isractbtv2fgeoweo5y	23	5	makes	make	VBZ
work_wqit3j3isractbtv2fgeoweo5y	23	6	some	some	DT
work_wqit3j3isractbtv2fgeoweo5y	23	7	novel	novel	JJ
work_wqit3j3isractbtv2fgeoweo5y	23	8	adjustments	adjustment	NNS
work_wqit3j3isractbtv2fgeoweo5y	23	9	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	23	10	their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	23	11	implementation	implementation	NN
work_wqit3j3isractbtv2fgeoweo5y	23	12	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	23	13	explores	explore	VBZ
work_wqit3j3isractbtv2fgeoweo5y	23	14	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	23	15	use	use	NN
work_wqit3j3isractbtv2fgeoweo5y	23	16	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	23	17	radius	radius	NN
work_wqit3j3isractbtv2fgeoweo5y	23	18	basis	basis	NN
work_wqit3j3isractbtv2fgeoweo5y	23	19	function	function	NN
work_wqit3j3isractbtv2fgeoweo5y	23	20	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	23	21	RBF	rbf	NN
work_wqit3j3isractbtv2fgeoweo5y	23	22	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	23	23	kernels	kernel	NNS
work_wqit3j3isractbtv2fgeoweo5y	23	24	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	23	25	addition	addition	NN
work_wqit3j3isractbtv2fgeoweo5y	23	26	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	23	27	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	23	28	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	23	29	kernel	kernel	NN
work_wqit3j3isractbtv2fgeoweo5y	23	30	posited	posit	VBN
work_wqit3j3isractbtv2fgeoweo5y	23	31	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	23	32	Gu	Gu	NNP
work_wqit3j3isractbtv2fgeoweo5y	23	33	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	23	34	Han	Han	NNP
work_wqit3j3isractbtv2fgeoweo5y	23	35	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	24	1	The	the	DT
work_wqit3j3isractbtv2fgeoweo5y	24	2	remainder	remainder	NN
work_wqit3j3isractbtv2fgeoweo5y	24	3	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	24	4	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	24	5	paper	paper	NN
work_wqit3j3isractbtv2fgeoweo5y	24	6	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	24	7	presented	present	VBN
work_wqit3j3isractbtv2fgeoweo5y	24	8	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	24	9	follows	follow	VBZ
work_wqit3j3isractbtv2fgeoweo5y	24	10	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	25	1	Section	section	NN
work_wqit3j3isractbtv2fgeoweo5y	25	2	2	2	CD
work_wqit3j3isractbtv2fgeoweo5y	25	3	outlines	outline	VBZ
work_wqit3j3isractbtv2fgeoweo5y	25	4	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	25	5	brief	brief	JJ
work_wqit3j3isractbtv2fgeoweo5y	25	6	review	review	NN
work_wqit3j3isractbtv2fgeoweo5y	25	7	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	25	8	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	25	9	literature	literature	NN
work_wqit3j3isractbtv2fgeoweo5y	25	10	concerning	concern	VBG
work_wqit3j3isractbtv2fgeoweo5y	25	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	25	12	field	field	NN
work_wqit3j3isractbtv2fgeoweo5y	25	13	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	25	14	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	25	15	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	25	16	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	25	17	sets	set	VBZ
work_wqit3j3isractbtv2fgeoweo5y	25	18	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	25	19	stage	stage	NN
work_wqit3j3isractbtv2fgeoweo5y	25	20	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	25	21	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	25	22	proposed	propose	VBN
work_wqit3j3isractbtv2fgeoweo5y	25	23	CVSM	cvsm	NN
work_wqit3j3isractbtv2fgeoweo5y	25	24	model	model	NN
work_wqit3j3isractbtv2fgeoweo5y	25	25	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	25	26	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	25	27	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	25	28	that	that	WDT
work_wqit3j3isractbtv2fgeoweo5y	25	29	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	25	30	presented	present	VBN
work_wqit3j3isractbtv2fgeoweo5y	25	31	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	25	32	Section	section	NN
work_wqit3j3isractbtv2fgeoweo5y	25	33	3	3	CD
work_wqit3j3isractbtv2fgeoweo5y	25	34	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	26	1	The	the	DT
work_wqit3j3isractbtv2fgeoweo5y	26	2	details	detail	NNS
work_wqit3j3isractbtv2fgeoweo5y	26	3	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	26	4	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	26	5	historic	historic	JJ
work_wqit3j3isractbtv2fgeoweo5y	26	6	clients	client	NNS
work_wqit3j3isractbtv2fgeoweo5y	26	7	’	’	POS
work_wqit3j3isractbtv2fgeoweo5y	26	8	loan	loan	NN
work_wqit3j3isractbtv2fgeoweo5y	26	9	dataset	dataset	NN
work_wqit3j3isractbtv2fgeoweo5y	26	10	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	26	11	modeling	modeling	NN
work_wqit3j3isractbtv2fgeoweo5y	26	12	method	method	NN
work_wqit3j3isractbtv2fgeoweo5y	26	13	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	26	14	highlighted	highlight	VBN
work_wqit3j3isractbtv2fgeoweo5y	26	15	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	26	16	Section	section	NN
work_wqit3j3isractbtv2fgeoweo5y	26	17	4	4	CD
work_wqit3j3isractbtv2fgeoweo5y	26	18	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	27	1	Section	section	NN
work_wqit3j3isractbtv2fgeoweo5y	27	2	5	5	CD
work_wqit3j3isractbtv2fgeoweo5y	27	3	presents	present	VBZ
work_wqit3j3isractbtv2fgeoweo5y	27	4	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	27	5	study	study	NN
work_wqit3j3isractbtv2fgeoweo5y	27	6	results	result	NNS
work_wqit3j3isractbtv2fgeoweo5y	27	7	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	27	8	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	27	9	Section	section	NN
work_wqit3j3isractbtv2fgeoweo5y	27	10	6	6	CD
work_wqit3j3isractbtv2fgeoweo5y	27	11	dis-	dis-	NN
work_wqit3j3isractbtv2fgeoweo5y	27	12	cusses	cuss	NNS
work_wqit3j3isractbtv2fgeoweo5y	27	13	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	27	14	findings	finding	NNS
work_wqit3j3isractbtv2fgeoweo5y	27	15	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	27	16	presents	present	VBZ
work_wqit3j3isractbtv2fgeoweo5y	27	17	conclusions	conclusion	NNS
work_wqit3j3isractbtv2fgeoweo5y	27	18	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	27	19	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	27	20	outlines	outline	VBZ
work_wqit3j3isractbtv2fgeoweo5y	27	21	possible	possible	JJ
work_wqit3j3isractbtv2fgeoweo5y	27	22	directions	direction	NNS
work_wqit3j3isractbtv2fgeoweo5y	27	23	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	27	24	future	future	JJ
work_wqit3j3isractbtv2fgeoweo5y	27	25	research	research	NN
work_wqit3j3isractbtv2fgeoweo5y	27	26	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	28	1	http://dx.doi.org/10.1016/j.eswa.2014.08.029	http://dx.doi.org/10.1016/j.eswa.2014.08.029	DT
work_wqit3j3isractbtv2fgeoweo5y	28	2	0957	0957	CD
work_wqit3j3isractbtv2fgeoweo5y	28	3	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	28	4	4174/	4174/	CD
work_wqit3j3isractbtv2fgeoweo5y	28	5	�	�	NNP
work_wqit3j3isractbtv2fgeoweo5y	28	6	2014	2014	CD
work_wqit3j3isractbtv2fgeoweo5y	28	7	Elsevier	Elsevier	NNP
work_wqit3j3isractbtv2fgeoweo5y	28	8	Ltd.	Ltd.	NNP
work_wqit3j3isractbtv2fgeoweo5y	28	9	All	all	DT
work_wqit3j3isractbtv2fgeoweo5y	28	10	rights	right	NNS
work_wqit3j3isractbtv2fgeoweo5y	28	11	reserved	reserve	VBN
work_wqit3j3isractbtv2fgeoweo5y	28	12	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	29	1	⇑	⇑	LS
work_wqit3j3isractbtv2fgeoweo5y	29	2	Tel	Tel	NNP
work_wqit3j3isractbtv2fgeoweo5y	29	3	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	30	1	:	:	:
work_wqit3j3isractbtv2fgeoweo5y	30	2	+1	+1	NNPS
work_wqit3j3isractbtv2fgeoweo5y	30	3	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	30	4	246	246	CD
work_wqit3j3isractbtv2fgeoweo5y	30	5	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	30	6	417	417	CD
work_wqit3j3isractbtv2fgeoweo5y	30	7	4302	4302	CD
work_wqit3j3isractbtv2fgeoweo5y	30	8	;	;	:
work_wqit3j3isractbtv2fgeoweo5y	30	9	fax	fax	NN
work_wqit3j3isractbtv2fgeoweo5y	30	10	:	:	:
work_wqit3j3isractbtv2fgeoweo5y	30	11	+1	+1	NNP
work_wqit3j3isractbtv2fgeoweo5y	30	12	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	30	13	246	246	CD
work_wqit3j3isractbtv2fgeoweo5y	30	14	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	30	15	438	438	CD
work_wqit3j3isractbtv2fgeoweo5y	30	16	9167	9167	CD
work_wqit3j3isractbtv2fgeoweo5y	30	17	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	31	1	E	e	NN
work_wqit3j3isractbtv2fgeoweo5y	31	2	-	-	NN
work_wqit3j3isractbtv2fgeoweo5y	31	3	mail	mail	NN
work_wqit3j3isractbtv2fgeoweo5y	31	4	address	address	NN
work_wqit3j3isractbtv2fgeoweo5y	31	5	:	:	:
work_wqit3j3isractbtv2fgeoweo5y	31	6	terry.harris@cavehill.uwi.edu	terry.harris@cavehill.uwi.edu	IN
work_wqit3j3isractbtv2fgeoweo5y	31	7	1	1	CD
work_wqit3j3isractbtv2fgeoweo5y	31	8	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	31	9	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	31	10	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	31	11	applied	apply	VBN
work_wqit3j3isractbtv2fgeoweo5y	31	12	because	because	IN
work_wqit3j3isractbtv2fgeoweo5y	31	13	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	31	14	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	31	15	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	31	16	data	data	NN
work_wqit3j3isractbtv2fgeoweo5y	31	17	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	31	18	often	often	RB
work_wqit3j3isractbtv2fgeoweo5y	31	19	not	not	RB
work_wqit3j3isractbtv2fgeoweo5y	31	20	linearly	linearly	RB
work_wqit3j3isractbtv2fgeoweo5y	31	21	separable	separable	JJ
work_wqit3j3isractbtv2fgeoweo5y	31	22	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	32	1	Expert	expert	NN
work_wqit3j3isractbtv2fgeoweo5y	32	2	Systems	system	NNS
work_wqit3j3isractbtv2fgeoweo5y	32	3	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	32	4	Applications	Applications	NNPS
work_wqit3j3isractbtv2fgeoweo5y	32	5	42	42	CD
work_wqit3j3isractbtv2fgeoweo5y	32	6	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	32	7	2015	2015	CD
work_wqit3j3isractbtv2fgeoweo5y	32	8	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	32	9	741–750	741–750	CD
work_wqit3j3isractbtv2fgeoweo5y	32	10	Contents	Contents	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	11	lists	list	NNS
work_wqit3j3isractbtv2fgeoweo5y	32	12	available	available	JJ
work_wqit3j3isractbtv2fgeoweo5y	32	13	at	at	IN
work_wqit3j3isractbtv2fgeoweo5y	32	14	ScienceDirect	ScienceDirect	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	15	Expert	Expert	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	16	Systems	Systems	NNPS
work_wqit3j3isractbtv2fgeoweo5y	32	17	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	32	18	Applications	Applications	NNPS
work_wqit3j3isractbtv2fgeoweo5y	32	19	j	j	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	20	o	o	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	21	u	u	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	22	r	r	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	23	n	n	CC
work_wqit3j3isractbtv2fgeoweo5y	32	24	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	32	25	l	l	NN
work_wqit3j3isractbtv2fgeoweo5y	32	26	h	h	NN
work_wqit3j3isractbtv2fgeoweo5y	32	27	o	o	NN
work_wqit3j3isractbtv2fgeoweo5y	32	28	m	m	NN
work_wqit3j3isractbtv2fgeoweo5y	32	29	e	e	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	30	p	p	NN
work_wqit3j3isractbtv2fgeoweo5y	32	31	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	32	32	g	g	NN
work_wqit3j3isractbtv2fgeoweo5y	32	33	e	e	NN
work_wqit3j3isractbtv2fgeoweo5y	32	34	:	:	:
work_wqit3j3isractbtv2fgeoweo5y	32	35	w	w	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	36	w	w	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	37	w	w	NNP
work_wqit3j3isractbtv2fgeoweo5y	32	38	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	33	1	e	e	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	2	l	l	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	3	s	s	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	4	e	e	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	5	v	v	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	6	i	i	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	7	e	e	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	8	r	r	NNP
work_wqit3j3isractbtv2fgeoweo5y	33	9	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	34	1	c	c	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	2	o	o	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	3	m	m	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	4	/	/	SYM
work_wqit3j3isractbtv2fgeoweo5y	34	5	l	l	NN
work_wqit3j3isractbtv2fgeoweo5y	34	6	o	o	NN
work_wqit3j3isractbtv2fgeoweo5y	34	7	c	c	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	8	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	34	9	t	t	NN
work_wqit3j3isractbtv2fgeoweo5y	34	10	e	e	NN
work_wqit3j3isractbtv2fgeoweo5y	34	11	/	/	SYM
work_wqit3j3isractbtv2fgeoweo5y	34	12	e	e	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	13	s	s	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	14	w	w	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	15	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	34	16	http://crossmark.crossref.org/dialog/?doi=10.1016/j.eswa.2014.08.029&domain=pdf	http://crossmark.crossref.org/dialog/?doi=10.1016/j.eswa.2014.08.029&domain=pdf	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	17	http://dx.doi.org/10.1016/j.eswa.2014.08.029	http://dx.doi.org/10.1016/j.eswa.2014.08.029	NN
work_wqit3j3isractbtv2fgeoweo5y	34	18	mailto:terry.harris@cavehill.uwi.edu	mailto:terry.harris@cavehill.uwi.edu	NN
work_wqit3j3isractbtv2fgeoweo5y	34	19	http://dx.doi.org/10.1016/j.eswa.2014.08.029	http://dx.doi.org/10.1016/j.eswa.2014.08.029	NN
work_wqit3j3isractbtv2fgeoweo5y	34	20	http://www.sciencedirect.com/science/journal/09574174	http://www.sciencedirect.com/science/journal/09574174	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	21	http://www.elsevier.com/locate/eswa	http://www.elsevier.com/locate/eswa	NNP
work_wqit3j3isractbtv2fgeoweo5y	34	22	2	2	CD
work_wqit3j3isractbtv2fgeoweo5y	34	23	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	35	1	Background	Background	NNP
work_wqit3j3isractbtv2fgeoweo5y	35	2	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	35	3	related	relate	VBN
work_wqit3j3isractbtv2fgeoweo5y	35	4	works	work	VBZ
work_wqit3j3isractbtv2fgeoweo5y	35	5	2.1	2.1	CD
work_wqit3j3isractbtv2fgeoweo5y	35	6	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	36	1	Overview	Overview	NNP
work_wqit3j3isractbtv2fgeoweo5y	36	2	Credit	Credit	NNP
work_wqit3j3isractbtv2fgeoweo5y	36	3	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	36	4	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	36	5	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	36	6	critical	critical	JJ
work_wqit3j3isractbtv2fgeoweo5y	36	7	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	36	8	permitting	permit	VBG
work_wqit3j3isractbtv2fgeoweo5y	36	9	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	36	10	exceptional	exceptional	JJ
work_wqit3j3isractbtv2fgeoweo5y	36	11	growth	growth	NN
work_wqit3j3isractbtv2fgeoweo5y	36	12	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	36	13	consumer	consumer	NN
work_wqit3j3isractbtv2fgeoweo5y	36	14	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	36	15	over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	36	16	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	36	17	last	last	JJ
work_wqit3j3isractbtv2fgeoweo5y	36	18	decades	decade	NNS
work_wqit3j3isractbtv2fgeoweo5y	36	19	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	37	1	Indeed	indeed	RB
work_wqit3j3isractbtv2fgeoweo5y	37	2	without	without	IN
work_wqit3j3isractbtv2fgeoweo5y	37	3	accurate	accurate	JJ
work_wqit3j3isractbtv2fgeoweo5y	37	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	37	5	automated	automated	JJ
work_wqit3j3isractbtv2fgeoweo5y	37	6	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	37	7	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	37	8	assessment	assessment	NN
work_wqit3j3isractbtv2fgeoweo5y	37	9	tools	tool	NNS
work_wqit3j3isractbtv2fgeoweo5y	37	10	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	37	11	lenders	lender	NNS
work_wqit3j3isractbtv2fgeoweo5y	37	12	could	could	MD
work_wqit3j3isractbtv2fgeoweo5y	37	13	not	not	RB
work_wqit3j3isractbtv2fgeoweo5y	37	14	have	have	VB
work_wqit3j3isractbtv2fgeoweo5y	37	15	expanded	expand	VBN
work_wqit3j3isractbtv2fgeoweo5y	37	16	their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	37	17	balance	balance	NN
work_wqit3j3isractbtv2fgeoweo5y	37	18	sheets	sheet	NNS
work_wqit3j3isractbtv2fgeoweo5y	37	19	effectively	effectively	RB
work_wqit3j3isractbtv2fgeoweo5y	37	20	over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	37	21	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	37	22	time	time	NN
work_wqit3j3isractbtv2fgeoweo5y	37	23	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	38	1	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	38	2	section	section	NN
work_wqit3j3isractbtv2fgeoweo5y	38	3	presents	present	VBZ
work_wqit3j3isractbtv2fgeoweo5y	38	4	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	38	5	brief	brief	JJ
work_wqit3j3isractbtv2fgeoweo5y	38	6	review	review	NN
work_wqit3j3isractbtv2fgeoweo5y	38	7	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	38	8	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	38	9	relevant	relevant	JJ
work_wqit3j3isractbtv2fgeoweo5y	38	10	literature	literature	NN
work_wqit3j3isractbtv2fgeoweo5y	38	11	that	that	WDT
work_wqit3j3isractbtv2fgeoweo5y	38	12	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	38	13	emerged	emerge	VBN
work_wqit3j3isractbtv2fgeoweo5y	38	14	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	38	15	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	38	16	space	space	NN
work_wqit3j3isractbtv2fgeoweo5y	38	17	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	39	1	2.2	2.2	CD
work_wqit3j3isractbtv2fgeoweo5y	39	2	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	40	1	What	what	WP
work_wqit3j3isractbtv2fgeoweo5y	40	2	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	40	3	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	40	4	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	40	5	?	?	.
work_wqit3j3isractbtv2fgeoweo5y	41	1	Credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	41	2	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	41	3	can	can	MD
work_wqit3j3isractbtv2fgeoweo5y	41	4	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	41	5	viewed	view	VBN
work_wqit3j3isractbtv2fgeoweo5y	41	6	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	41	7	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	41	8	method	method	NN
work_wqit3j3isractbtv2fgeoweo5y	41	9	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	41	10	measuring	measure	VBG
work_wqit3j3isractbtv2fgeoweo5y	41	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	41	12	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	41	13	attached	attach	VBN
work_wqit3j3isractbtv2fgeoweo5y	41	14	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	41	15	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	41	16	potential	potential	JJ
work_wqit3j3isractbtv2fgeoweo5y	41	17	customer	customer	NN
work_wqit3j3isractbtv2fgeoweo5y	41	18	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	41	19	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	41	20	analyzing	analyze	VBG
work_wqit3j3isractbtv2fgeoweo5y	41	21	their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	41	22	data	datum	NNS
work_wqit3j3isractbtv2fgeoweo5y	41	23	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	41	24	deter-	deter-	NN
work_wqit3j3isractbtv2fgeoweo5y	41	25	mine	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	41	26	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	41	27	likelihood	likelihood	NN
work_wqit3j3isractbtv2fgeoweo5y	41	28	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	41	29	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	41	30	prospective	prospective	JJ
work_wqit3j3isractbtv2fgeoweo5y	41	31	borrower	borrower	NN
work_wqit3j3isractbtv2fgeoweo5y	41	32	will	will	MD
work_wqit3j3isractbtv2fgeoweo5y	41	33	default	default	VB
work_wqit3j3isractbtv2fgeoweo5y	41	34	on	on	IN
work_wqit3j3isractbtv2fgeoweo5y	41	35	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	41	36	loan	loan	NN
work_wqit3j3isractbtv2fgeoweo5y	41	37	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	41	38	Abdou	Abdou	NNP
work_wqit3j3isractbtv2fgeoweo5y	41	39	&	&	CC
work_wqit3j3isractbtv2fgeoweo5y	41	40	Pointon	Pointon	NNP
work_wqit3j3isractbtv2fgeoweo5y	41	41	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	41	42	2011	2011	CD
work_wqit3j3isractbtv2fgeoweo5y	41	43	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	41	44	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	42	1	According	accord	VBG
work_wqit3j3isractbtv2fgeoweo5y	42	2	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	42	3	Eisenbeis	Eisenbeis	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	4	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	42	5	1978	1978	CD
work_wqit3j3isractbtv2fgeoweo5y	42	6	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	42	7	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	42	8	Hand	Hand	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	9	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	42	10	Jacka	Jacka	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	11	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	42	12	1998	1998	CD
work_wqit3j3isractbtv2fgeoweo5y	42	13	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	42	14	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	42	15	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	42	16	Hand	Hand	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	17	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	42	18	Sohn	Sohn	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	19	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	42	20	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	42	21	Kim	Kim	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	22	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	42	23	2005	2005	CD
work_wqit3j3isractbtv2fgeoweo5y	42	24	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	42	25	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	42	26	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	42	27	can	can	MD
work_wqit3j3isractbtv2fgeoweo5y	42	28	also	also	RB
work_wqit3j3isractbtv2fgeoweo5y	42	29	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	42	30	described	describe	VBN
work_wqit3j3isractbtv2fgeoweo5y	42	31	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	42	32	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	42	33	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	42	34	technique	technique	NN
work_wqit3j3isractbtv2fgeoweo5y	42	35	employed	employ	VBN
work_wqit3j3isractbtv2fgeoweo5y	42	36	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	42	37	con-	con-	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	38	vert	vert	NNP
work_wqit3j3isractbtv2fgeoweo5y	42	39	data	datum	NNS
work_wqit3j3isractbtv2fgeoweo5y	42	40	into	into	IN
work_wqit3j3isractbtv2fgeoweo5y	42	41	rules	rule	NNS
work_wqit3j3isractbtv2fgeoweo5y	42	42	that	that	WDT
work_wqit3j3isractbtv2fgeoweo5y	42	43	can	can	MD
work_wqit3j3isractbtv2fgeoweo5y	42	44	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	42	45	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	42	46	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	42	47	guide	guide	VB
work_wqit3j3isractbtv2fgeoweo5y	42	48	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	42	49	granting	grant	VBG
work_wqit3j3isractbtv2fgeoweo5y	42	50	deci-	deci-	NN
work_wqit3j3isractbtv2fgeoweo5y	42	51	sions	sion	NNS
work_wqit3j3isractbtv2fgeoweo5y	42	52	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	43	1	As	as	IN
work_wqit3j3isractbtv2fgeoweo5y	43	2	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	43	3	result	result	NN
work_wqit3j3isractbtv2fgeoweo5y	43	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	43	5	it	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	43	6	represents	represent	VBZ
work_wqit3j3isractbtv2fgeoweo5y	43	7	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	43	8	critical	critical	JJ
work_wqit3j3isractbtv2fgeoweo5y	43	9	process	process	NN
work_wqit3j3isractbtv2fgeoweo5y	43	10	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	43	11	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	43	12	firm	firm	NN
work_wqit3j3isractbtv2fgeoweo5y	43	13	’s	’s	POS
work_wqit3j3isractbtv2fgeoweo5y	43	14	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	43	15	management	management	NN
work_wqit3j3isractbtv2fgeoweo5y	43	16	toolkit	toolkit	NNS
work_wqit3j3isractbtv2fgeoweo5y	43	17	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	44	1	Durand	Durand	NNP
work_wqit3j3isractbtv2fgeoweo5y	44	2	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	44	3	1941	1941	CD
work_wqit3j3isractbtv2fgeoweo5y	44	4	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	44	5	posited	posit	VBD
work_wqit3j3isractbtv2fgeoweo5y	44	6	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	44	7	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	44	8	procedure	procedure	NN
work_wqit3j3isractbtv2fgeoweo5y	44	9	includes	include	VBZ
work_wqit3j3isractbtv2fgeoweo5y	44	10	collecting	collect	VBG
work_wqit3j3isractbtv2fgeoweo5y	44	11	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	44	12	analyzing	analyze	VBG
work_wqit3j3isractbtv2fgeoweo5y	44	13	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	44	14	classifying	classify	VBG
work_wqit3j3isractbtv2fgeoweo5y	44	15	different	different	JJ
work_wqit3j3isractbtv2fgeoweo5y	44	16	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	44	17	ele-	ele-	NNS
work_wqit3j3isractbtv2fgeoweo5y	44	18	ments	ment	NNS
work_wqit3j3isractbtv2fgeoweo5y	44	19	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	44	20	variables	variable	NNS
work_wqit3j3isractbtv2fgeoweo5y	44	21	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	44	22	order	order	NN
work_wqit3j3isractbtv2fgeoweo5y	44	23	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	44	24	make	make	VB
work_wqit3j3isractbtv2fgeoweo5y	44	25	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	44	26	granting	grant	VBG
work_wqit3j3isractbtv2fgeoweo5y	44	27	decisions	decision	NNS
work_wqit3j3isractbtv2fgeoweo5y	44	28	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	45	1	He	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	45	2	noted	note	VBD
work_wqit3j3isractbtv2fgeoweo5y	45	3	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	45	4	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	45	5	classify	classify	VB
work_wqit3j3isractbtv2fgeoweo5y	45	6	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	45	7	firm	firm	NN
work_wqit3j3isractbtv2fgeoweo5y	45	8	’s	’s	POS
work_wqit3j3isractbtv2fgeoweo5y	45	9	customers	customer	NNS
work_wqit3j3isractbtv2fgeoweo5y	45	10	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	45	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	45	12	objective	objective	NN
work_wqit3j3isractbtv2fgeoweo5y	45	13	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	45	14	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	45	15	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	45	16	evaluation	evaluation	NN
work_wqit3j3isractbtv2fgeoweo5y	45	17	process	process	NN
work_wqit3j3isractbtv2fgeoweo5y	45	18	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	45	19	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	45	20	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	45	21	reduce	reduce	VB
work_wqit3j3isractbtv2fgeoweo5y	45	22	current	current	JJ
work_wqit3j3isractbtv2fgeoweo5y	45	23	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	45	24	expected	expect	VBN
work_wqit3j3isractbtv2fgeoweo5y	45	25	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	45	26	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	45	27	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	45	28	customer	customer	NN
work_wqit3j3isractbtv2fgeoweo5y	45	29	being	be	VBG
work_wqit3j3isractbtv2fgeoweo5y	45	30	‘	'	``
work_wqit3j3isractbtv2fgeoweo5y	45	31	‘	'	``
work_wqit3j3isractbtv2fgeoweo5y	45	32	bad	bad	JJ
work_wqit3j3isractbtv2fgeoweo5y	45	33	’	'	''
work_wqit3j3isractbtv2fgeoweo5y	45	34	’	'	''
work_wqit3j3isractbtv2fgeoweo5y	45	35	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	45	36	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	45	37	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	46	1	Thus	thus	RB
work_wqit3j3isractbtv2fgeoweo5y	46	2	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	46	3	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	46	4	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	46	5	an	an	DT
work_wqit3j3isractbtv2fgeoweo5y	46	6	important	important	JJ
work_wqit3j3isractbtv2fgeoweo5y	46	7	technology	technology	NN
work_wqit3j3isractbtv2fgeoweo5y	46	8	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	46	9	banks	bank	NNS
work_wqit3j3isractbtv2fgeoweo5y	46	10	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	46	11	other	other	JJ
work_wqit3j3isractbtv2fgeoweo5y	46	12	financial	financial	JJ
work_wqit3j3isractbtv2fgeoweo5y	46	13	institutions	institution	NNS
work_wqit3j3isractbtv2fgeoweo5y	46	14	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	46	15	they	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	46	16	seek	seek	VBP
work_wqit3j3isractbtv2fgeoweo5y	46	17	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	46	18	minimize	minimize	VB
work_wqit3j3isractbtv2fgeoweo5y	46	19	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	46	20	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	47	1	2.3	2.3	LS
work_wqit3j3isractbtv2fgeoweo5y	47	2	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	48	1	Related	related	JJ
work_wqit3j3isractbtv2fgeoweo5y	48	2	works	work	NNS
work_wqit3j3isractbtv2fgeoweo5y	48	3	Over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	48	4	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	48	5	years	year	NNS
work_wqit3j3isractbtv2fgeoweo5y	48	6	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	48	7	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	48	8	demand	demand	NN
work_wqit3j3isractbtv2fgeoweo5y	48	9	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	48	10	consumer	consumer	NN
work_wqit3j3isractbtv2fgeoweo5y	48	11	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	48	12	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	48	13	increased	increase	VBN
work_wqit3j3isractbtv2fgeoweo5y	48	14	exponentially	exponentially	RB
work_wqit3j3isractbtv2fgeoweo5y	48	15	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	49	1	According	accord	VBG
work_wqit3j3isractbtv2fgeoweo5y	49	2	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	49	3	Steenackers	Steenackers	NNPS
work_wqit3j3isractbtv2fgeoweo5y	49	4	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	49	5	Goovaerts	Goovaerts	NNPS
work_wqit3j3isractbtv2fgeoweo5y	49	6	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	49	7	1989	1989	CD
work_wqit3j3isractbtv2fgeoweo5y	49	8	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	49	9	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	49	10	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	49	11	increase	increase	NN
work_wqit3j3isractbtv2fgeoweo5y	49	12	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	49	13	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	49	14	demand	demand	NN
work_wqit3j3isractbtv2fgeoweo5y	49	15	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	49	16	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	49	17	can	can	MD
work_wqit3j3isractbtv2fgeoweo5y	49	18	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	49	19	attributable	attributable	JJ
work_wqit3j3isractbtv2fgeoweo5y	49	20	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	49	21	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	49	22	increased	increase	VBN
work_wqit3j3isractbtv2fgeoweo5y	49	23	levels	level	NNS
work_wqit3j3isractbtv2fgeoweo5y	49	24	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	49	25	consumption	consumption	NN
work_wqit3j3isractbtv2fgeoweo5y	49	26	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	49	27	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	49	28	reliance	reliance	NN
work_wqit3j3isractbtv2fgeoweo5y	49	29	on	on	IN
work_wqit3j3isractbtv2fgeoweo5y	49	30	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	49	31	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	49	32	sup-	sup-	JJ
work_wqit3j3isractbtv2fgeoweo5y	49	33	port	port	NN
work_wqit3j3isractbtv2fgeoweo5y	49	34	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	49	35	activity	activity	NN
work_wqit3j3isractbtv2fgeoweo5y	49	36	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	50	1	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	50	2	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	50	3	United	United	NNP
work_wqit3j3isractbtv2fgeoweo5y	50	4	States	States	NNP
work_wqit3j3isractbtv2fgeoweo5y	50	5	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	50	6	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	50	7	rising	rise	VBG
work_wqit3j3isractbtv2fgeoweo5y	50	8	level	level	NN
work_wqit3j3isractbtv2fgeoweo5y	50	9	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	50	10	consum-	consum-	JJ
work_wqit3j3isractbtv2fgeoweo5y	50	11	erism	erism	NN
work_wqit3j3isractbtv2fgeoweo5y	50	12	followed	follow	VBD
work_wqit3j3isractbtv2fgeoweo5y	50	13	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	50	14	introduction	introduction	NN
work_wqit3j3isractbtv2fgeoweo5y	50	15	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	50	16	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	50	17	first	first	JJ
work_wqit3j3isractbtv2fgeoweo5y	50	18	modern	modern	JJ
work_wqit3j3isractbtv2fgeoweo5y	50	19	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	50	20	card	card	NN
work_wqit3j3isractbtv2fgeoweo5y	50	21	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	50	22	1950s	1950	NNS
work_wqit3j3isractbtv2fgeoweo5y	50	23	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	50	24	so	so	IN
work_wqit3j3isractbtv2fgeoweo5y	50	25	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	50	26	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	50	27	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	50	28	1980s	1980s	CD
work_wqit3j3isractbtv2fgeoweo5y	50	29	over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	50	30	55	55	CD
work_wqit3j3isractbtv2fgeoweo5y	50	31	%	%	NN
work_wqit3j3isractbtv2fgeoweo5y	50	32	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	50	33	American	american	JJ
work_wqit3j3isractbtv2fgeoweo5y	50	34	households	household	NNS
work_wqit3j3isractbtv2fgeoweo5y	50	35	owned	own	VBD
work_wqit3j3isractbtv2fgeoweo5y	50	36	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	50	37	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	50	38	card	card	NN
work_wqit3j3isractbtv2fgeoweo5y	50	39	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	51	1	Crook	Crook	NNP
work_wqit3j3isractbtv2fgeoweo5y	51	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	51	3	Edelman	Edelman	NNP
work_wqit3j3isractbtv2fgeoweo5y	51	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	51	5	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	51	6	Thomas	Thomas	NNP
work_wqit3j3isractbtv2fgeoweo5y	51	7	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	51	8	2007	2007	CD
work_wqit3j3isractbtv2fgeoweo5y	51	9	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	51	10	posited	posit	VBD
work_wqit3j3isractbtv2fgeoweo5y	51	11	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	51	12	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	51	13	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	51	14	time	time	NN
work_wqit3j3isractbtv2fgeoweo5y	51	15	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	51	16	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	51	17	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	51	18	US	US	NNP
work_wqit3j3isractbtv2fgeoweo5y	51	19	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	51	20	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	51	21	total	total	JJ
work_wqit3j3isractbtv2fgeoweo5y	51	22	amount	amount	NN
work_wqit3j3isractbtv2fgeoweo5y	51	23	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	51	24	outstanding	outstanding	JJ
work_wqit3j3isractbtv2fgeoweo5y	51	25	con-	con-	NN
work_wqit3j3isractbtv2fgeoweo5y	51	26	sumer	sumer	NNP
work_wqit3j3isractbtv2fgeoweo5y	51	27	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	51	28	was	be	VBD
work_wqit3j3isractbtv2fgeoweo5y	51	29	over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	51	30	$	$	$
work_wqit3j3isractbtv2fgeoweo5y	51	31	700	700	CD
work_wqit3j3isractbtv2fgeoweo5y	51	32	billion	billion	CD
work_wqit3j3isractbtv2fgeoweo5y	51	33	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	52	1	Comparatively	comparatively	RB
work_wqit3j3isractbtv2fgeoweo5y	52	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	52	3	at	at	IN
work_wqit3j3isractbtv2fgeoweo5y	52	4	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	52	5	end	end	NN
work_wqit3j3isractbtv2fgeoweo5y	52	6	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	52	7	June	June	NNP
work_wqit3j3isractbtv2fgeoweo5y	52	8	2013	2013	CD
work_wqit3j3isractbtv2fgeoweo5y	52	9	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	52	10	figure	figure	NN
work_wqit3j3isractbtv2fgeoweo5y	52	11	had	have	VBD
work_wqit3j3isractbtv2fgeoweo5y	52	12	risen	rise	VBN
work_wqit3j3isractbtv2fgeoweo5y	52	13	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	52	14	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	52	15	staggering	staggering	JJ
work_wqit3j3isractbtv2fgeoweo5y	52	16	$	$	$
work_wqit3j3isractbtv2fgeoweo5y	52	17	2800	2800	CD
work_wqit3j3isractbtv2fgeoweo5y	52	18	billion	billion	CD
work_wqit3j3isractbtv2fgeoweo5y	52	19	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	52	20	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	52	21	400	400	CD
work_wqit3j3isractbtv2fgeoweo5y	52	22	%	%	NN
work_wqit3j3isractbtv2fgeoweo5y	52	23	increase	increase	NN
work_wqit3j3isractbtv2fgeoweo5y	52	24	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	52	25	BGFRS	BGFRS	NNP
work_wqit3j3isractbtv2fgeoweo5y	52	26	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	52	27	2013	2013	CD
work_wqit3j3isractbtv2fgeoweo5y	52	28	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	52	29	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	53	1	Henley	Henley	NNP
work_wqit3j3isractbtv2fgeoweo5y	53	2	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	53	3	1994	1994	CD
work_wqit3j3isractbtv2fgeoweo5y	53	4	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	53	5	noted	note	VBD
work_wqit3j3isractbtv2fgeoweo5y	53	6	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	53	7	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	53	8	increasing	increase	VBG
work_wqit3j3isractbtv2fgeoweo5y	53	9	demand	demand	NN
work_wqit3j3isractbtv2fgeoweo5y	53	10	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	53	11	consumer	consumer	NN
work_wqit3j3isractbtv2fgeoweo5y	53	12	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	53	13	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	53	14	led	lead	VBN
work_wqit3j3isractbtv2fgeoweo5y	53	15	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	53	16	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	53	17	development	development	NN
work_wqit3j3isractbtv2fgeoweo5y	53	18	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	53	19	many	many	JJ
work_wqit3j3isractbtv2fgeoweo5y	53	20	practical	practical	JJ
work_wqit3j3isractbtv2fgeoweo5y	53	21	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	53	22	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	53	23	models	model	NNS
work_wqit3j3isractbtv2fgeoweo5y	53	24	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	53	25	which	which	WDT
work_wqit3j3isractbtv2fgeoweo5y	53	26	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	53	27	adopted	adopt	VBN
work_wqit3j3isractbtv2fgeoweo5y	53	28	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	53	29	wide	wide	JJ
work_wqit3j3isractbtv2fgeoweo5y	53	30	range	range	NN
work_wqit3j3isractbtv2fgeoweo5y	53	31	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	53	32	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	53	33	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	53	34	non-	non-	NNP
work_wqit3j3isractbtv2fgeoweo5y	53	35	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	53	36	methods	method	NNS
work_wqit3j3isractbtv2fgeoweo5y	53	37	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	54	1	Similarly	similarly	RB
work_wqit3j3isractbtv2fgeoweo5y	54	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	54	3	Mays	Mays	NNP
work_wqit3j3isractbtv2fgeoweo5y	54	4	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	54	5	2001	2001	CD
work_wqit3j3isractbtv2fgeoweo5y	54	6	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	54	7	posited	posit	VBD
work_wqit3j3isractbtv2fgeoweo5y	54	8	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	54	9	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	54	10	number	number	NN
work_wqit3j3isractbtv2fgeoweo5y	54	11	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	54	12	various	various	JJ
work_wqit3j3isractbtv2fgeoweo5y	54	13	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	54	14	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	54	15	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	54	16	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	54	17	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	54	18	build	build	VB
work_wqit3j3isractbtv2fgeoweo5y	54	19	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	54	20	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	54	21	applica-	applica-	JJ
work_wqit3j3isractbtv2fgeoweo5y	54	22	tions	tion	NNS
work_wqit3j3isractbtv2fgeoweo5y	54	23	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	54	24	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	54	25	analyst	analyst	NN
work_wqit3j3isractbtv2fgeoweo5y	54	26	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	54	27	researchers	researcher	NNS
work_wqit3j3isractbtv2fgeoweo5y	54	28	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	54	29	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	54	30	software	software	NN
work_wqit3j3isractbtv2fgeoweo5y	54	31	developers	developer	NNS
work_wqit3j3isractbtv2fgeoweo5y	54	32	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	55	1	These	these	DT
work_wqit3j3isractbtv2fgeoweo5y	55	2	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	55	3	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	55	4	included	include	VBN
work_wqit3j3isractbtv2fgeoweo5y	55	5	;	;	:
work_wqit3j3isractbtv2fgeoweo5y	55	6	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	55	7	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	55	8	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	55	9	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	55	10	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	55	11	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	55	12	logistic	logistic	JJ
work_wqit3j3isractbtv2fgeoweo5y	55	13	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	55	14	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	55	15	decision	decision	NN
work_wqit3j3isractbtv2fgeoweo5y	55	16	trees	tree	NNS
work_wqit3j3isractbtv2fgeoweo5y	55	17	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	55	18	neural	neural	JJ
work_wqit3j3isractbtv2fgeoweo5y	55	19	networks	network	NNS
work_wqit3j3isractbtv2fgeoweo5y	55	20	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	55	21	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	55	22	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	55	23	machines	machine	NNS
work_wqit3j3isractbtv2fgeoweo5y	55	24	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	55	25	k	k	NNP
work_wqit3j3isractbtv2fgeoweo5y	55	26	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	55	27	means	mean	NNS
work_wqit3j3isractbtv2fgeoweo5y	55	28	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	55	29	etc	etc	FW
work_wqit3j3isractbtv2fgeoweo5y	55	30	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	56	1	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	56	2	recent	recent	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	3	times	time	NNS
work_wqit3j3isractbtv2fgeoweo5y	56	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	56	5	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	56	6	use	use	NN
work_wqit3j3isractbtv2fgeoweo5y	56	7	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	56	8	more	more	RBR
work_wqit3j3isractbtv2fgeoweo5y	56	9	complex	complex	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	10	non	non	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	11	-	-	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	12	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	13	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	56	14	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	56	15	such	such	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	16	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	56	17	neural	neural	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	18	networks	network	NNS
work_wqit3j3isractbtv2fgeoweo5y	56	19	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	56	20	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	56	21	support	support	NN
work_wqit3j3isractbtv2fgeoweo5y	56	22	vector	vector	NN
work_wqit3j3isractbtv2fgeoweo5y	56	23	machines	machine	NNS
work_wqit3j3isractbtv2fgeoweo5y	56	24	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	56	25	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	56	26	build	build	VB
work_wqit3j3isractbtv2fgeoweo5y	56	27	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	56	28	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	56	29	applications	application	NNS
work_wqit3j3isractbtv2fgeoweo5y	56	30	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	56	31	seen	see	VBN
work_wqit3j3isractbtv2fgeoweo5y	56	32	significant	significant	JJ
work_wqit3j3isractbtv2fgeoweo5y	56	33	increases	increase	NNS
work_wqit3j3isractbtv2fgeoweo5y	56	34	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	56	35	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	56	36	reported	report	VBN
work_wqit3j3isractbtv2fgeoweo5y	56	37	accuracy	accuracy	NN
work_wqit3j3isractbtv2fgeoweo5y	56	38	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	56	39	performance	performance	NN
work_wqit3j3isractbtv2fgeoweo5y	56	40	on	on	IN
work_wqit3j3isractbtv2fgeoweo5y	56	41	benchmarking	benchmarke	VBG
work_wqit3j3isractbtv2fgeoweo5y	56	42	datasets	dataset	NNS
work_wqit3j3isractbtv2fgeoweo5y	56	43	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	56	44	Baesens	Baesens	NNP
work_wqit3j3isractbtv2fgeoweo5y	56	45	et	et	FW
work_wqit3j3isractbtv2fgeoweo5y	56	46	al	al	NNP
work_wqit3j3isractbtv2fgeoweo5y	56	47	.	.	NNP
work_wqit3j3isractbtv2fgeoweo5y	56	48	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	56	49	2003	2003	CD
work_wqit3j3isractbtv2fgeoweo5y	56	50	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	56	51	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	57	1	Irwin	Irwin	NNP
work_wqit3j3isractbtv2fgeoweo5y	57	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	57	3	Warwick	Warwick	NNP
work_wqit3j3isractbtv2fgeoweo5y	57	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	57	5	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	57	6	Hunt	Hunt	NNP
work_wqit3j3isractbtv2fgeoweo5y	57	7	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	57	8	1995	1995	CD
work_wqit3j3isractbtv2fgeoweo5y	57	9	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	57	10	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	57	11	Paliwal	Paliwal	NNP
work_wqit3j3isractbtv2fgeoweo5y	57	12	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	57	13	Kumar	Kumar	NNP
work_wqit3j3isractbtv2fgeoweo5y	57	14	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	57	15	2009	2009	CD
work_wqit3j3isractbtv2fgeoweo5y	57	16	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	57	17	both	both	DT
work_wqit3j3isractbtv2fgeoweo5y	57	18	provide	provide	VBP
work_wqit3j3isractbtv2fgeoweo5y	57	19	evidence	evidence	NN
work_wqit3j3isractbtv2fgeoweo5y	57	20	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	57	21	advanced	advance	VBD
work_wqit3j3isractbtv2fgeoweo5y	57	22	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	57	23	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	57	24	yield	yield	VBP
work_wqit3j3isractbtv2fgeoweo5y	57	25	superior	superior	JJ
work_wqit3j3isractbtv2fgeoweo5y	57	26	performance	performance	NN
work_wqit3j3isractbtv2fgeoweo5y	57	27	when	when	WRB
work_wqit3j3isractbtv2fgeoweo5y	57	28	compared	compare	VBN
work_wqit3j3isractbtv2fgeoweo5y	57	29	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	57	30	traditional	traditional	JJ
work_wqit3j3isractbtv2fgeoweo5y	57	31	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	57	32	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	57	33	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	57	34	such	such	JJ
work_wqit3j3isractbtv2fgeoweo5y	57	35	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	57	36	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	57	37	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	57	38	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	57	39	probit	probit	NN
work_wqit3j3isractbtv2fgeoweo5y	57	40	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	57	41	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	57	42	logistic	logistic	JJ
work_wqit3j3isractbtv2fgeoweo5y	57	43	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	57	44	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	58	1	Masters	Masters	NNP
work_wqit3j3isractbtv2fgeoweo5y	58	2	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	58	3	1995	1995	CD
work_wqit3j3isractbtv2fgeoweo5y	58	4	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	58	5	also	also	RB
work_wqit3j3isractbtv2fgeoweo5y	58	6	provided	provide	VBD
work_wqit3j3isractbtv2fgeoweo5y	58	7	evidence	evidence	NN
work_wqit3j3isractbtv2fgeoweo5y	58	8	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	58	9	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	58	10	use	use	NN
work_wqit3j3isractbtv2fgeoweo5y	58	11	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	58	12	sophisticated	sophisticated	JJ
work_wqit3j3isractbtv2fgeoweo5y	58	13	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	58	14	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	58	15	such	such	JJ
work_wqit3j3isractbtv2fgeoweo5y	58	16	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	58	17	neural	neural	JJ
work_wqit3j3isractbtv2fgeoweo5y	58	18	networks	network	NNS
work_wqit3j3isractbtv2fgeoweo5y	58	19	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	58	20	was	be	VBD
work_wqit3j3isractbtv2fgeoweo5y	58	21	essential	essential	JJ
work_wqit3j3isractbtv2fgeoweo5y	58	22	because	because	IN
work_wqit3j3isractbtv2fgeoweo5y	58	23	they	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	58	24	had	have	VBD
work_wqit3j3isractbtv2fgeoweo5y	58	25	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	58	26	capability	capability	NN
work_wqit3j3isractbtv2fgeoweo5y	58	27	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	58	28	more	more	RBR
work_wqit3j3isractbtv2fgeoweo5y	58	29	accurately	accurately	RB
work_wqit3j3isractbtv2fgeoweo5y	58	30	model	model	NN
work_wqit3j3isractbtv2fgeoweo5y	58	31	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	58	32	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	58	33	data	datum	NNS
work_wqit3j3isractbtv2fgeoweo5y	58	34	that	that	WDT
work_wqit3j3isractbtv2fgeoweo5y	58	35	exhibits	exhibit	VBZ
work_wqit3j3isractbtv2fgeoweo5y	58	36	interactions	interaction	NNS
work_wqit3j3isractbtv2fgeoweo5y	58	37	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	58	38	curvature	curvature	JJ
work_wqit3j3isractbtv2fgeoweo5y	58	39	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	59	1	However	however	RB
work_wqit3j3isractbtv2fgeoweo5y	59	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	59	3	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	59	4	pointed	point	VBN
work_wqit3j3isractbtv2fgeoweo5y	59	5	out	out	RP
work_wqit3j3isractbtv2fgeoweo5y	59	6	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	59	7	Hand	Hand	NNP
work_wqit3j3isractbtv2fgeoweo5y	59	8	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	59	9	2006	2006	CD
work_wqit3j3isractbtv2fgeoweo5y	59	10	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	59	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	59	12	increased	increase	VBN
work_wqit3j3isractbtv2fgeoweo5y	59	13	performance	performance	NN
work_wqit3j3isractbtv2fgeoweo5y	59	14	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	59	15	these	these	DT
work_wqit3j3isractbtv2fgeoweo5y	59	16	more	more	RBR
work_wqit3j3isractbtv2fgeoweo5y	59	17	advanced	advanced	JJ
work_wqit3j3isractbtv2fgeoweo5y	59	18	tech-	tech-	JJ
work_wqit3j3isractbtv2fgeoweo5y	59	19	niques	nique	NNS
work_wqit3j3isractbtv2fgeoweo5y	59	20	could	could	MD
work_wqit3j3isractbtv2fgeoweo5y	59	21	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	59	22	illusionary	illusionary	JJ
work_wqit3j3isractbtv2fgeoweo5y	59	23	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	59	24	if	if	IN
work_wqit3j3isractbtv2fgeoweo5y	59	25	real	real	JJ
work_wqit3j3isractbtv2fgeoweo5y	59	26	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	59	27	diminished	diminish	VBN
work_wqit3j3isractbtv2fgeoweo5y	59	28	due	due	IN
work_wqit3j3isractbtv2fgeoweo5y	59	29	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	59	30	shifts	shift	NNS
work_wqit3j3isractbtv2fgeoweo5y	59	31	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	59	32	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	59	33	class	class	NN
work_wqit3j3isractbtv2fgeoweo5y	59	34	distribution	distribution	NN
work_wqit3j3isractbtv2fgeoweo5y	59	35	over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	59	36	time	time	NN
work_wqit3j3isractbtv2fgeoweo5y	59	37	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	60	1	The	the	DT
work_wqit3j3isractbtv2fgeoweo5y	60	2	following	follow	VBG
work_wqit3j3isractbtv2fgeoweo5y	60	3	sub	sub	NN
work_wqit3j3isractbtv2fgeoweo5y	60	4	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	60	5	sections	section	NNS
work_wqit3j3isractbtv2fgeoweo5y	60	6	pres-	pres-	VBZ
work_wqit3j3isractbtv2fgeoweo5y	60	7	ent	ent	VB
work_wqit3j3isractbtv2fgeoweo5y	60	8	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	60	9	brief	brief	JJ
work_wqit3j3isractbtv2fgeoweo5y	60	10	discussion	discussion	NN
work_wqit3j3isractbtv2fgeoweo5y	60	11	concerning	concern	VBG
work_wqit3j3isractbtv2fgeoweo5y	60	12	some	some	DT
work_wqit3j3isractbtv2fgeoweo5y	60	13	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	60	14	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	60	15	classical	classical	JJ
work_wqit3j3isractbtv2fgeoweo5y	60	16	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	60	17	advanced	advanced	JJ
work_wqit3j3isractbtv2fgeoweo5y	60	18	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	60	19	models	model	NNS
work_wqit3j3isractbtv2fgeoweo5y	60	20	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	60	21	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	60	22	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	60	23	risk	risk	NN
work_wqit3j3isractbtv2fgeoweo5y	60	24	assessment	assessment	NN
work_wqit3j3isractbtv2fgeoweo5y	60	25	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	61	1	2.4	2.4	CD
work_wqit3j3isractbtv2fgeoweo5y	61	2	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	62	1	Discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	62	2	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	62	3	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	62	4	his	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	62	5	seminal	seminal	JJ
work_wqit3j3isractbtv2fgeoweo5y	62	6	paper	paper	NN
work_wqit3j3isractbtv2fgeoweo5y	62	7	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	62	8	Fisher	Fisher	NNP
work_wqit3j3isractbtv2fgeoweo5y	62	9	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	62	10	1936	1936	CD
work_wqit3j3isractbtv2fgeoweo5y	62	11	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	62	12	proposed	propose	VBD
work_wqit3j3isractbtv2fgeoweo5y	62	13	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	62	14	use	use	NN
work_wqit3j3isractbtv2fgeoweo5y	62	15	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	62	16	discrim-	discrim-	NNP
work_wqit3j3isractbtv2fgeoweo5y	62	17	inant	inant	JJ
work_wqit3j3isractbtv2fgeoweo5y	62	18	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	62	19	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	62	20	differentiate	differentiate	VB
work_wqit3j3isractbtv2fgeoweo5y	62	21	between	between	IN
work_wqit3j3isractbtv2fgeoweo5y	62	22	two	two	CD
work_wqit3j3isractbtv2fgeoweo5y	62	23	or	or	CC
work_wqit3j3isractbtv2fgeoweo5y	62	24	more	more	JJR
work_wqit3j3isractbtv2fgeoweo5y	62	25	classes	class	NNS
work_wqit3j3isractbtv2fgeoweo5y	62	26	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	62	27	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	62	28	dataset	dataset	NN
work_wqit3j3isractbtv2fgeoweo5y	62	29	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	63	1	Since	since	IN
work_wqit3j3isractbtv2fgeoweo5y	63	2	that	that	DT
work_wqit3j3isractbtv2fgeoweo5y	63	3	time	time	NN
work_wqit3j3isractbtv2fgeoweo5y	63	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	63	5	Durand	Durand	NNP
work_wqit3j3isractbtv2fgeoweo5y	63	6	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	63	7	1941	1941	CD
work_wqit3j3isractbtv2fgeoweo5y	63	8	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	63	9	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	63	10	Altman	Altman	NNP
work_wqit3j3isractbtv2fgeoweo5y	63	11	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	63	12	1986	1986	CD
work_wqit3j3isractbtv2fgeoweo5y	63	13	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	63	14	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	63	15	both	both	DT
work_wqit3j3isractbtv2fgeoweo5y	63	16	applied	apply	VBN
work_wqit3j3isractbtv2fgeoweo5y	63	17	Fisher	Fisher	NNP
work_wqit3j3isractbtv2fgeoweo5y	63	18	’s	’	VBZ
work_wqit3j3isractbtv2fgeoweo5y	63	19	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	63	20	1936	1936	LS
work_wqit3j3isractbtv2fgeoweo5y	63	21	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	63	22	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	63	23	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	63	24	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	63	25	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	63	26	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	63	27	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	64	1	Durant	durant	JJ
work_wqit3j3isractbtv2fgeoweo5y	64	2	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	64	3	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	64	4	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	64	5	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	64	6	assess	assess	VB
work_wqit3j3isractbtv2fgeoweo5y	64	7	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	64	8	creditworthiness	creditworthiness	NN
work_wqit3j3isractbtv2fgeoweo5y	64	9	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	64	10	car	car	NN
work_wqit3j3isractbtv2fgeoweo5y	64	11	loan	loan	NN
work_wqit3j3isractbtv2fgeoweo5y	64	12	applicants	applicant	NNS
work_wqit3j3isractbtv2fgeoweo5y	64	13	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	64	14	while	while	IN
work_wqit3j3isractbtv2fgeoweo5y	64	15	Altman	Altman	NNP
work_wqit3j3isractbtv2fgeoweo5y	64	16	used	use	VBD
work_wqit3j3isractbtv2fgeoweo5y	64	17	it	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	64	18	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	64	19	explore	explore	VB
work_wqit3j3isractbtv2fgeoweo5y	64	20	corporate	corporate	JJ
work_wqit3j3isractbtv2fgeoweo5y	64	21	bankruptcy	bankruptcy	NN
work_wqit3j3isractbtv2fgeoweo5y	64	22	proposing	propose	VBG
work_wqit3j3isractbtv2fgeoweo5y	64	23	his	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	64	24	popular	popular	JJ
work_wqit3j3isractbtv2fgeoweo5y	64	25	Z	z	NN
work_wqit3j3isractbtv2fgeoweo5y	64	26	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	64	27	scores	score	NNS
work_wqit3j3isractbtv2fgeoweo5y	64	28	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	64	29	Altman	Altman	NNP
work_wqit3j3isractbtv2fgeoweo5y	64	30	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	64	31	1968	1968	CD
work_wqit3j3isractbtv2fgeoweo5y	64	32	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	64	33	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	65	1	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	65	2	works	work	NNS
work_wqit3j3isractbtv2fgeoweo5y	65	3	published	publish	VBN
work_wqit3j3isractbtv2fgeoweo5y	65	4	separately	separately	RB
work_wqit3j3isractbtv2fgeoweo5y	65	5	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	65	6	Desai	Desai	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	7	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	8	Crook	Crook	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	9	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	10	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	65	11	Overstreet	Overstreet	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	12	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	65	13	1996	1996	CD
work_wqit3j3isractbtv2fgeoweo5y	65	14	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	65	15	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	16	Hand	Hand	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	17	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	65	18	Henley	Henley	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	19	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	65	20	1997	1997	CD
work_wqit3j3isractbtv2fgeoweo5y	65	21	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	65	22	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	23	Hand	Hand	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	24	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	25	Oliver	Oliver	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	26	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	27	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	65	28	Lunn	Lunn	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	29	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	65	30	1998	1998	CD
work_wqit3j3isractbtv2fgeoweo5y	65	31	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	65	32	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	33	Sarlija	Sarlija	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	34	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	35	Bensic	Bensic	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	36	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	37	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	65	38	Bohacek	Bohacek	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	39	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	65	40	2004	2004	CD
work_wqit3j3isractbtv2fgeoweo5y	65	41	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	65	42	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	43	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	65	44	Abdou	Abdou	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	45	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	65	46	Pointon	Pointon	NNP
work_wqit3j3isractbtv2fgeoweo5y	65	47	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	65	48	2009	2009	CD
work_wqit3j3isractbtv2fgeoweo5y	65	49	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	65	50	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	65	51	they	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	65	52	showed	show	VBD
work_wqit3j3isractbtv2fgeoweo5y	65	53	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	65	54	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	65	55	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	65	56	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	65	57	indeed	indeed	RB
work_wqit3j3isractbtv2fgeoweo5y	65	58	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	65	59	valid	valid	JJ
work_wqit3j3isractbtv2fgeoweo5y	65	60	technique	technique	NN
work_wqit3j3isractbtv2fgeoweo5y	65	61	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	65	62	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	65	63	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	65	64	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	66	1	Hand	Hand	NNP
work_wqit3j3isractbtv2fgeoweo5y	66	2	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	66	3	Henley	Henley	NNP
work_wqit3j3isractbtv2fgeoweo5y	66	4	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	66	5	1997	1997	CD
work_wqit3j3isractbtv2fgeoweo5y	66	6	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	66	7	noted	note	VBD
work_wqit3j3isractbtv2fgeoweo5y	66	8	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	66	9	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	66	10	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	66	11	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	66	12	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	66	13	parametric	parametric	JJ
work_wqit3j3isractbtv2fgeoweo5y	66	14	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	66	15	technique	technique	NN
work_wqit3j3isractbtv2fgeoweo5y	66	16	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	66	17	was	be	VBD
work_wqit3j3isractbtv2fgeoweo5y	66	18	well	well	RB
work_wqit3j3isractbtv2fgeoweo5y	66	19	suited	suited	JJ
work_wqit3j3isractbtv2fgeoweo5y	66	20	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	66	21	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	66	22	scoring	score	VBG
work_wqit3j3isractbtv2fgeoweo5y	66	23	because	because	IN
work_wqit3j3isractbtv2fgeoweo5y	66	24	it	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	66	25	was	be	VBD
work_wqit3j3isractbtv2fgeoweo5y	66	26	designed	design	VBN
work_wqit3j3isractbtv2fgeoweo5y	66	27	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	66	28	classify	classify	VB
work_wqit3j3isractbtv2fgeoweo5y	66	29	groups	group	NNS
work_wqit3j3isractbtv2fgeoweo5y	66	30	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	66	31	variables	variable	NNS
work_wqit3j3isractbtv2fgeoweo5y	66	32	into	into	IN
work_wqit3j3isractbtv2fgeoweo5y	66	33	two	two	CD
work_wqit3j3isractbtv2fgeoweo5y	66	34	or	or	CC
work_wqit3j3isractbtv2fgeoweo5y	66	35	more	more	JJR
work_wqit3j3isractbtv2fgeoweo5y	66	36	categories	category	NNS
work_wqit3j3isractbtv2fgeoweo5y	66	37	or	or	CC
work_wqit3j3isractbtv2fgeoweo5y	66	38	discriminate	discriminate	NN
work_wqit3j3isractbtv2fgeoweo5y	66	39	between	between	IN
work_wqit3j3isractbtv2fgeoweo5y	66	40	two	two	CD
work_wqit3j3isractbtv2fgeoweo5y	66	41	groups	group	NNS
work_wqit3j3isractbtv2fgeoweo5y	66	42	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	67	1	However	however	RB
work_wqit3j3isractbtv2fgeoweo5y	67	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	67	3	Saunders	Saunders	NNPS
work_wqit3j3isractbtv2fgeoweo5y	67	4	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	67	5	Allen	Allen	NNP
work_wqit3j3isractbtv2fgeoweo5y	67	6	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	67	7	1998	1998	CD
work_wqit3j3isractbtv2fgeoweo5y	67	8	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	67	9	noted	note	VBD
work_wqit3j3isractbtv2fgeoweo5y	67	10	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	67	11	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	67	12	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	67	13	type	type	NN
work_wqit3j3isractbtv2fgeoweo5y	67	14	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	67	15	method	method	NN
work_wqit3j3isractbtv2fgeoweo5y	67	16	certain	certain	JJ
work_wqit3j3isractbtv2fgeoweo5y	67	17	assumptions	assumption	NNS
work_wqit3j3isractbtv2fgeoweo5y	67	18	about	about	IN
work_wqit3j3isractbtv2fgeoweo5y	67	19	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	67	20	data	datum	NNS
work_wqit3j3isractbtv2fgeoweo5y	67	21	must	must	MD
work_wqit3j3isractbtv2fgeoweo5y	67	22	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	67	23	met	meet	VBN
work_wqit3j3isractbtv2fgeoweo5y	67	24	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	68	1	These	these	DT
work_wqit3j3isractbtv2fgeoweo5y	68	2	assumptions	assumption	NNS
work_wqit3j3isractbtv2fgeoweo5y	68	3	include	include	VBP
work_wqit3j3isractbtv2fgeoweo5y	68	4	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	68	5	normality	normality	NN
work_wqit3j3isractbtv2fgeoweo5y	68	6	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	68	7	linearity	linearity	NN
work_wqit3j3isractbtv2fgeoweo5y	68	8	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	68	9	homoscedas-	homoscedas-	NN
work_wqit3j3isractbtv2fgeoweo5y	68	10	ticity	ticity	NN
work_wqit3j3isractbtv2fgeoweo5y	68	11	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	68	12	non	non	JJ
work_wqit3j3isractbtv2fgeoweo5y	68	13	-	-	JJ
work_wqit3j3isractbtv2fgeoweo5y	68	14	multicollinearity	multicollinearity	JJ
work_wqit3j3isractbtv2fgeoweo5y	68	15	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	68	16	etc	etc	FW
work_wqit3j3isractbtv2fgeoweo5y	68	17	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	69	1	Falbo	Falbo	NNP
work_wqit3j3isractbtv2fgeoweo5y	69	2	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	69	3	1991	1991	CD
work_wqit3j3isractbtv2fgeoweo5y	69	4	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	69	5	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	69	6	Sarlija	Sarlija	NNP
work_wqit3j3isractbtv2fgeoweo5y	69	7	et	et	NNP
work_wqit3j3isractbtv2fgeoweo5y	69	8	al	al	NNP
work_wqit3j3isractbtv2fgeoweo5y	69	9	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	70	1	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	70	2	2004	2004	CD
work_wqit3j3isractbtv2fgeoweo5y	70	3	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	70	4	posited	posit	VBD
work_wqit3j3isractbtv2fgeoweo5y	70	5	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	70	6	despite	despite	IN
work_wqit3j3isractbtv2fgeoweo5y	70	7	these	these	DT
work_wqit3j3isractbtv2fgeoweo5y	70	8	limitations	limitation	NNS
work_wqit3j3isractbtv2fgeoweo5y	70	9	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	70	10	over	over	IN
work_wqit3j3isractbtv2fgeoweo5y	70	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	70	12	years	year	NNS
work_wqit3j3isractbtv2fgeoweo5y	70	13	this	this	DT
work_wqit3j3isractbtv2fgeoweo5y	70	14	technique	technique	NN
work_wqit3j3isractbtv2fgeoweo5y	70	15	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	70	16	been	be	VBN
work_wqit3j3isractbtv2fgeoweo5y	70	17	frequently	frequently	RB
work_wqit3j3isractbtv2fgeoweo5y	70	18	applied	apply	VBN
work_wqit3j3isractbtv2fgeoweo5y	70	19	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	70	20	build	build	VB
work_wqit3j3isractbtv2fgeoweo5y	70	21	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	70	22	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	70	23	applications	application	NNS
work_wqit3j3isractbtv2fgeoweo5y	70	24	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	70	25	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	70	26	it	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	70	27	remains	remain	VBZ
work_wqit3j3isractbtv2fgeoweo5y	70	28	one	one	CD
work_wqit3j3isractbtv2fgeoweo5y	70	29	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	70	30	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	70	31	most	most	RBS
work_wqit3j3isractbtv2fgeoweo5y	70	32	popular	popular	JJ
work_wqit3j3isractbtv2fgeoweo5y	70	33	approaches	approach	NNS
work_wqit3j3isractbtv2fgeoweo5y	70	34	taken	take	VBN
work_wqit3j3isractbtv2fgeoweo5y	70	35	today	today	NN
work_wqit3j3isractbtv2fgeoweo5y	70	36	when	when	WRB
work_wqit3j3isractbtv2fgeoweo5y	70	37	classifying	classify	VBG
work_wqit3j3isractbtv2fgeoweo5y	70	38	customers	customer	NNS
work_wqit3j3isractbtv2fgeoweo5y	70	39	as	as	IN
work_wqit3j3isractbtv2fgeoweo5y	70	40	creditworthy	creditworthy	JJ
work_wqit3j3isractbtv2fgeoweo5y	70	41	or	or	CC
work_wqit3j3isractbtv2fgeoweo5y	70	42	un-	un-	JJ
work_wqit3j3isractbtv2fgeoweo5y	70	43	creditworthy	creditworthy	NN
work_wqit3j3isractbtv2fgeoweo5y	70	44	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	71	1	Several	several	JJ
work_wqit3j3isractbtv2fgeoweo5y	71	2	authors	author	NNS
work_wqit3j3isractbtv2fgeoweo5y	71	3	have	have	VBP
work_wqit3j3isractbtv2fgeoweo5y	71	4	criticized	criticize	VBN
work_wqit3j3isractbtv2fgeoweo5y	71	5	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	71	6	use	use	NN
work_wqit3j3isractbtv2fgeoweo5y	71	7	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	71	8	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	71	9	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	71	10	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	71	11	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	71	12	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	71	13	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	72	1	Eisenbeis	Eisenbeis	NNP
work_wqit3j3isractbtv2fgeoweo5y	72	2	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	72	3	1978	1978	CD
work_wqit3j3isractbtv2fgeoweo5y	72	4	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	72	5	point	point	NN
work_wqit3j3isractbtv2fgeoweo5y	72	6	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	72	7	out	out	RP
work_wqit3j3isractbtv2fgeoweo5y	72	8	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	72	9	number	number	NN
work_wqit3j3isractbtv2fgeoweo5y	72	10	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	72	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	72	12	statis-	statis-	XX
work_wqit3j3isractbtv2fgeoweo5y	72	13	tical	tical	JJ
work_wqit3j3isractbtv2fgeoweo5y	72	14	problems	problem	NNS
work_wqit3j3isractbtv2fgeoweo5y	72	15	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	72	16	applying	apply	VBG
work_wqit3j3isractbtv2fgeoweo5y	72	17	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	72	18	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	72	19	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	72	20	credit	credit	VB
work_wqit3j3isractbtv2fgeoweo5y	72	21	scorecard	scorecard	JJ
work_wqit3j3isractbtv2fgeoweo5y	72	22	development	development	NN
work_wqit3j3isractbtv2fgeoweo5y	72	23	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	73	1	These	these	DT
work_wqit3j3isractbtv2fgeoweo5y	73	2	problems	problem	NNS
work_wqit3j3isractbtv2fgeoweo5y	73	3	include	include	VBP
work_wqit3j3isractbtv2fgeoweo5y	73	4	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	73	5	following	follow	VBG
work_wqit3j3isractbtv2fgeoweo5y	73	6	:	:	:
work_wqit3j3isractbtv2fgeoweo5y	73	7	group	group	NN
work_wqit3j3isractbtv2fgeoweo5y	73	8	defini-	defini-	NNP
work_wqit3j3isractbtv2fgeoweo5y	73	9	tion	tion	NNP
work_wqit3j3isractbtv2fgeoweo5y	73	10	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	73	11	classification	classification	NN
work_wqit3j3isractbtv2fgeoweo5y	73	12	error	error	NN
work_wqit3j3isractbtv2fgeoweo5y	73	13	prediction	prediction	NN
work_wqit3j3isractbtv2fgeoweo5y	73	14	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	73	15	estimating	estimate	VBG
work_wqit3j3isractbtv2fgeoweo5y	73	16	population	population	NN
work_wqit3j3isractbtv2fgeoweo5y	73	17	priors	prior	NNS
work_wqit3j3isractbtv2fgeoweo5y	73	18	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	73	19	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	73	20	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	73	21	use	use	NN
work_wqit3j3isractbtv2fgeoweo5y	73	22	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	73	23	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	73	24	functions	function	NNS
work_wqit3j3isractbtv2fgeoweo5y	73	25	instead	instead	RB
work_wqit3j3isractbtv2fgeoweo5y	73	26	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	73	27	quadratic	quadratic	JJ
work_wqit3j3isractbtv2fgeoweo5y	73	28	functions	function	NNS
work_wqit3j3isractbtv2fgeoweo5y	73	29	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	73	30	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	73	31	mention	mention	VB
work_wqit3j3isractbtv2fgeoweo5y	73	32	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	73	33	few	few	JJ
work_wqit3j3isractbtv2fgeoweo5y	73	34	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	74	1	Nevertheless	nevertheless	RB
work_wqit3j3isractbtv2fgeoweo5y	74	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	74	3	Greene	Greene	NNP
work_wqit3j3isractbtv2fgeoweo5y	74	4	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	74	5	1998	1998	CD
work_wqit3j3isractbtv2fgeoweo5y	74	6	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	74	7	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	74	8	Abdou	Abdou	NNP
work_wqit3j3isractbtv2fgeoweo5y	74	9	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	74	10	2009	2009	CD
work_wqit3j3isractbtv2fgeoweo5y	74	11	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	74	12	noted	note	VBD
work_wqit3j3isractbtv2fgeoweo5y	74	13	that	that	IN
work_wqit3j3isractbtv2fgeoweo5y	74	14	despite	despite	IN
work_wqit3j3isractbtv2fgeoweo5y	74	15	these	these	DT
work_wqit3j3isractbtv2fgeoweo5y	74	16	limits	limit	NNS
work_wqit3j3isractbtv2fgeoweo5y	74	17	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	74	18	discriminant	discriminant	JJ
work_wqit3j3isractbtv2fgeoweo5y	74	19	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	74	20	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	74	21	one	one	CD
work_wqit3j3isractbtv2fgeoweo5y	74	22	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	74	23	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	74	24	most	most	RBS
work_wqit3j3isractbtv2fgeoweo5y	74	25	commonly	commonly	RB
work_wqit3j3isractbtv2fgeoweo5y	74	26	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	74	27	techniques	technique	NNS
work_wqit3j3isractbtv2fgeoweo5y	74	28	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	74	29	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	74	30	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	74	31	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	75	1	2.4.1	2.4.1	CD
work_wqit3j3isractbtv2fgeoweo5y	75	2	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	76	1	Linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	76	2	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	76	3	Another	another	DT
work_wqit3j3isractbtv2fgeoweo5y	76	4	popular	popular	JJ
work_wqit3j3isractbtv2fgeoweo5y	76	5	classical	classical	JJ
work_wqit3j3isractbtv2fgeoweo5y	76	6	statistical	statistical	JJ
work_wqit3j3isractbtv2fgeoweo5y	76	7	technique	technique	NN
work_wqit3j3isractbtv2fgeoweo5y	76	8	applied	apply	VBN
work_wqit3j3isractbtv2fgeoweo5y	76	9	to	to	IN
work_wqit3j3isractbtv2fgeoweo5y	76	10	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	76	11	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	76	12	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	76	13	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	76	14	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	76	15	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	77	1	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	77	2	method	method	NN
work_wqit3j3isractbtv2fgeoweo5y	77	3	has	have	VBZ
work_wqit3j3isractbtv2fgeoweo5y	77	4	developed	develop	VBN
work_wqit3j3isractbtv2fgeoweo5y	77	5	into	into	IN
work_wqit3j3isractbtv2fgeoweo5y	77	6	an	an	DT
work_wqit3j3isractbtv2fgeoweo5y	77	7	essential	essential	JJ
work_wqit3j3isractbtv2fgeoweo5y	77	8	component	component	NN
work_wqit3j3isractbtv2fgeoweo5y	77	9	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	77	10	data	datum	NNS
work_wqit3j3isractbtv2fgeoweo5y	77	11	analysis	analysis	NN
work_wqit3j3isractbtv2fgeoweo5y	77	12	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	77	13	general	general	JJ
work_wqit3j3isractbtv2fgeoweo5y	77	14	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	77	15	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	77	16	concerned	concern	VBN
work_wqit3j3isractbtv2fgeoweo5y	77	17	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	77	18	describing	describe	VBG
work_wqit3j3isractbtv2fgeoweo5y	77	19	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	77	20	relationship	relationship	NN
work_wqit3j3isractbtv2fgeoweo5y	77	21	between	between	IN
work_wqit3j3isractbtv2fgeoweo5y	77	22	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	77	23	dependent	dependent	JJ
work_wqit3j3isractbtv2fgeoweo5y	77	24	variable	variable	NN
work_wqit3j3isractbtv2fgeoweo5y	77	25	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	77	26	one	one	CD
work_wqit3j3isractbtv2fgeoweo5y	77	27	or	or	CC
work_wqit3j3isractbtv2fgeoweo5y	77	28	more	more	JJR
work_wqit3j3isractbtv2fgeoweo5y	77	29	independent	independent	JJ
work_wqit3j3isractbtv2fgeoweo5y	77	30	variables	variable	NNS
work_wqit3j3isractbtv2fgeoweo5y	77	31	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	78	1	Thus	thus	RB
work_wqit3j3isractbtv2fgeoweo5y	78	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	78	3	customers	customer	NNS
work_wqit3j3isractbtv2fgeoweo5y	78	4	’	’	POS
work_wqit3j3isractbtv2fgeoweo5y	78	5	historical	historical	JJ
work_wqit3j3isractbtv2fgeoweo5y	78	6	payments	payment	NNS
work_wqit3j3isractbtv2fgeoweo5y	78	7	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	78	8	guarantees	guarantee	NNS
work_wqit3j3isractbtv2fgeoweo5y	78	9	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	78	10	default	default	NN
work_wqit3j3isractbtv2fgeoweo5y	78	11	rates	rate	NNS
work_wqit3j3isractbtv2fgeoweo5y	78	12	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	78	13	other	other	JJ
work_wqit3j3isractbtv2fgeoweo5y	78	14	factors	factor	NNS
work_wqit3j3isractbtv2fgeoweo5y	78	15	can	can	MD
work_wqit3j3isractbtv2fgeoweo5y	78	16	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	78	17	ana-	ana-	RB
work_wqit3j3isractbtv2fgeoweo5y	78	18	lyzed	lyze	VBN
work_wqit3j3isractbtv2fgeoweo5y	78	19	using	use	VBG
work_wqit3j3isractbtv2fgeoweo5y	78	20	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	78	21	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	78	22	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	78	23	set	set	VB
work_wqit3j3isractbtv2fgeoweo5y	78	24	up	up	RP
work_wqit3j3isractbtv2fgeoweo5y	78	25	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	78	26	score	score	NN
work_wqit3j3isractbtv2fgeoweo5y	78	27	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	78	28	each	each	DT
work_wqit3j3isractbtv2fgeoweo5y	78	29	factor	factor	NN
work_wqit3j3isractbtv2fgeoweo5y	78	30	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	78	31	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	78	32	compare	compare	VB
work_wqit3j3isractbtv2fgeoweo5y	78	33	it	-PRON-	PRP
work_wqit3j3isractbtv2fgeoweo5y	78	34	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	78	35	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	78	36	bank	bank	NN
work_wqit3j3isractbtv2fgeoweo5y	78	37	’s	’s	POS
work_wqit3j3isractbtv2fgeoweo5y	78	38	cut	cut	NN
work_wqit3j3isractbtv2fgeoweo5y	78	39	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	78	40	off	off	RP
work_wqit3j3isractbtv2fgeoweo5y	78	41	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	78	42	threshold	threshold	NN
work_wqit3j3isractbtv2fgeoweo5y	78	43	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	78	44	score	score	NN
work_wqit3j3isractbtv2fgeoweo5y	78	45	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	79	1	Hence	hence	RB
work_wqit3j3isractbtv2fgeoweo5y	79	2	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	79	3	only	only	RB
work_wqit3j3isractbtv2fgeoweo5y	79	4	if	if	IN
work_wqit3j3isractbtv2fgeoweo5y	79	5	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	79	6	new	new	JJ
work_wqit3j3isractbtv2fgeoweo5y	79	7	customer	customer	NN
work_wqit3j3isractbtv2fgeoweo5y	79	8	’s	’s	POS
work_wqit3j3isractbtv2fgeoweo5y	79	9	score	score	NN
work_wqit3j3isractbtv2fgeoweo5y	79	10	exceeds	exceed	VBZ
work_wqit3j3isractbtv2fgeoweo5y	79	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	79	12	bank	bank	NN
work_wqit3j3isractbtv2fgeoweo5y	79	13	’s	’s	POS
work_wqit3j3isractbtv2fgeoweo5y	79	14	cut	cut	VBN
work_wqit3j3isractbtv2fgeoweo5y	79	15	-	-	HYPH
work_wqit3j3isractbtv2fgeoweo5y	79	16	off	off	RP
work_wqit3j3isractbtv2fgeoweo5y	79	17	score	score	NN
work_wqit3j3isractbtv2fgeoweo5y	79	18	will	will	MD
work_wqit3j3isractbtv2fgeoweo5y	79	19	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	79	20	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	79	21	granted	grant	VBN
work_wqit3j3isractbtv2fgeoweo5y	79	22	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	79	23	Hand	Hand	NNP
work_wqit3j3isractbtv2fgeoweo5y	79	24	&	&	CC
work_wqit3j3isractbtv2fgeoweo5y	79	25	Jacka	Jacka	NNP
work_wqit3j3isractbtv2fgeoweo5y	79	26	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	79	27	1998	1998	CD
work_wqit3j3isractbtv2fgeoweo5y	79	28	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	79	29	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	80	1	In	in	IN
work_wqit3j3isractbtv2fgeoweo5y	80	2	its	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	80	3	basic	basic	JJ
work_wqit3j3isractbtv2fgeoweo5y	80	4	form	form	NN
work_wqit3j3isractbtv2fgeoweo5y	80	5	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	80	6	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	80	7	regression	regression	NN
work_wqit3j3isractbtv2fgeoweo5y	80	8	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	80	9	for	for	IN
work_wqit3j3isractbtv2fgeoweo5y	80	10	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	80	11	scoring	scoring	NN
work_wqit3j3isractbtv2fgeoweo5y	80	12	requires	require	VBZ
work_wqit3j3isractbtv2fgeoweo5y	80	13	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	80	14	establishment	establishment	NN
work_wqit3j3isractbtv2fgeoweo5y	80	15	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	80	16	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	80	17	threshold	threshold	NN
work_wqit3j3isractbtv2fgeoweo5y	80	18	score	score	NN
work_wqit3j3isractbtv2fgeoweo5y	80	19	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	81	1	This	this	DT
work_wqit3j3isractbtv2fgeoweo5y	81	2	threshold	threshold	NN
work_wqit3j3isractbtv2fgeoweo5y	81	3	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	81	4	score	score	NN
work_wqit3j3isractbtv2fgeoweo5y	81	5	is	be	VBZ
work_wqit3j3isractbtv2fgeoweo5y	81	6	derived	derive	VBN
work_wqit3j3isractbtv2fgeoweo5y	81	7	from	from	IN
work_wqit3j3isractbtv2fgeoweo5y	81	8	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	81	9	relationships	relationship	NNS
work_wqit3j3isractbtv2fgeoweo5y	81	10	between	between	IN
work_wqit3j3isractbtv2fgeoweo5y	81	11	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	81	12	firm	firm	NN
work_wqit3j3isractbtv2fgeoweo5y	81	13	’s	’s	POS
work_wqit3j3isractbtv2fgeoweo5y	81	14	historic	historic	JJ
work_wqit3j3isractbtv2fgeoweo5y	81	15	clients	client	NNS
work_wqit3j3isractbtv2fgeoweo5y	81	16	’	’	POS
work_wqit3j3isractbtv2fgeoweo5y	81	17	features	feature	NNS
work_wqit3j3isractbtv2fgeoweo5y	81	18	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	81	19	their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	81	20	associated	associate	VBN
work_wqit3j3isractbtv2fgeoweo5y	81	21	weights	weight	NNS
work_wqit3j3isractbtv2fgeoweo5y	81	22	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	82	1	As	as	IN
work_wqit3j3isractbtv2fgeoweo5y	82	2	can	can	MD
work_wqit3j3isractbtv2fgeoweo5y	82	3	be	be	VB
work_wqit3j3isractbtv2fgeoweo5y	82	4	seen	see	VBN
work_wqit3j3isractbtv2fgeoweo5y	82	5	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	82	6	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	82	7	linear	linear	JJ
work_wqit3j3isractbtv2fgeoweo5y	82	8	equation	equation	NN
work_wqit3j3isractbtv2fgeoweo5y	82	9	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	82	10	Z	Z	NNP
work_wqit3j3isractbtv2fgeoweo5y	82	11	¼	¼	NN
work_wqit3j3isractbtv2fgeoweo5y	82	12	h0	h0	NN
work_wqit3j3isractbtv2fgeoweo5y	82	13	þ	þ	NN
work_wqit3j3isractbtv2fgeoweo5y	82	14	h1	h1	NNP
work_wqit3j3isractbtv2fgeoweo5y	82	15	x1	x1	NN
work_wqit3j3isractbtv2fgeoweo5y	82	16	þ	þ	NN
work_wqit3j3isractbtv2fgeoweo5y	82	17	h2x2	h2x2	NNP
work_wqit3j3isractbtv2fgeoweo5y	82	18	þ	þ	DT
work_wqit3j3isractbtv2fgeoweo5y	82	19	�	�	NNP
work_wqit3j3isractbtv2fgeoweo5y	82	20	�	�	NNP
work_wqit3j3isractbtv2fgeoweo5y	82	21	�	�	NNP
work_wqit3j3isractbtv2fgeoweo5y	82	22	þ	þ	DT
work_wqit3j3isractbtv2fgeoweo5y	82	23	hnxn	hnxn	NNS
work_wqit3j3isractbtv2fgeoweo5y	82	24	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	82	25	where	where	WRB
work_wqit3j3isractbtv2fgeoweo5y	82	26	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	82	27	variable	variable	JJ
work_wqit3j3isractbtv2fgeoweo5y	82	28	n	n	NN
work_wqit3j3isractbtv2fgeoweo5y	82	29	denotes	denote	VBZ
work_wqit3j3isractbtv2fgeoweo5y	82	30	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	82	31	number	number	NN
work_wqit3j3isractbtv2fgeoweo5y	82	32	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	82	33	features	feature	NNS
work_wqit3j3isractbtv2fgeoweo5y	82	34	collected	collect	VBN
work_wqit3j3isractbtv2fgeoweo5y	82	35	from	from	IN
work_wqit3j3isractbtv2fgeoweo5y	82	36	past	past	JJ
work_wqit3j3isractbtv2fgeoweo5y	82	37	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	82	38	potential	potential	JJ
work_wqit3j3isractbtv2fgeoweo5y	82	39	clients	client	NNS
work_wqit3j3isractbtv2fgeoweo5y	82	40	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	83	1	These	these	DT
work_wqit3j3isractbtv2fgeoweo5y	83	2	features	feature	NNS
work_wqit3j3isractbtv2fgeoweo5y	83	3	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	83	4	represented	represent	VBN
work_wqit3j3isractbtv2fgeoweo5y	83	5	by	by	IN
work_wqit3j3isractbtv2fgeoweo5y	83	6	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	83	7	x	x	NN
work_wqit3j3isractbtv2fgeoweo5y	83	8	’s	’s	NN
work_wqit3j3isractbtv2fgeoweo5y	83	9	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	83	10	which	which	WDT
work_wqit3j3isractbtv2fgeoweo5y	83	11	are	be	VBP
work_wqit3j3isractbtv2fgeoweo5y	83	12	multi	multi	JJ
work_wqit3j3isractbtv2fgeoweo5y	83	13	-	-	JJ
work_wqit3j3isractbtv2fgeoweo5y	83	14	dimensional	dimensional	JJ
work_wqit3j3isractbtv2fgeoweo5y	83	15	vectors	vector	NNS
work_wqit3j3isractbtv2fgeoweo5y	83	16	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	83	17	Rm	Rm	NNP
work_wqit3j3isractbtv2fgeoweo5y	83	18	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	83	19	where	where	WRB
work_wqit3j3isractbtv2fgeoweo5y	83	20	m	m	NNP
work_wqit3j3isractbtv2fgeoweo5y	83	21	denotes	denote	VBZ
work_wqit3j3isractbtv2fgeoweo5y	83	22	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	83	23	number	number	NN
work_wqit3j3isractbtv2fgeoweo5y	83	24	of	of	IN
work_wqit3j3isractbtv2fgeoweo5y	83	25	clients	client	NNS
work_wqit3j3isractbtv2fgeoweo5y	83	26	in	in	IN
work_wqit3j3isractbtv2fgeoweo5y	83	27	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	83	28	historical	historical	JJ
work_wqit3j3isractbtv2fgeoweo5y	83	29	clients	client	NNS
work_wqit3j3isractbtv2fgeoweo5y	83	30	’	’	POS
work_wqit3j3isractbtv2fgeoweo5y	83	31	database	database	NN
work_wqit3j3isractbtv2fgeoweo5y	83	32	.	.	.
work_wqit3j3isractbtv2fgeoweo5y	84	1	The	the	DT
work_wqit3j3isractbtv2fgeoweo5y	84	2	h	h	NN
work_wqit3j3isractbtv2fgeoweo5y	84	3	’s	’s	NN
work_wqit3j3isractbtv2fgeoweo5y	84	4	repre-	repre-	NN
work_wqit3j3isractbtv2fgeoweo5y	84	5	sent	send	VBD
work_wqit3j3isractbtv2fgeoweo5y	84	6	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	84	7	weights	weight	NNS
work_wqit3j3isractbtv2fgeoweo5y	84	8	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	84	9	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	84	10	the	the	DT
work_wqit3j3isractbtv2fgeoweo5y	84	11	feature	feature	NN
work_wqit3j3isractbtv2fgeoweo5y	84	12	variables	variable	NNS
work_wqit3j3isractbtv2fgeoweo5y	84	13	and	and	CC
work_wqit3j3isractbtv2fgeoweo5y	84	14	their	-PRON-	PRP$
work_wqit3j3isractbtv2fgeoweo5y	84	15	weights	weight	NNS
work_wqit3j3isractbtv2fgeoweo5y	84	16	used	use	VBN
work_wqit3j3isractbtv2fgeoweo5y	84	17	to	to	TO
work_wqit3j3isractbtv2fgeoweo5y	84	18	calculate	calculate	VB
work_wqit3j3isractbtv2fgeoweo5y	84	19	a	a	DT
work_wqit3j3isractbtv2fgeoweo5y	84	20	credit	credit	NN
work_wqit3j3isractbtv2fgeoweo5y	84	21	score	score	NN
work_wqit3j3isractbtv2fgeoweo5y	84	22	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	84	23	Z	z	NN
work_wqit3j3isractbtv2fgeoweo5y	84	24	2	2	CD
work_wqit3j3isractbtv2fgeoweo5y	84	25	R	r	NN
work_wqit3j3isractbtv2fgeoweo5y	84	26	,	,	,
work_wqit3j3isractbtv2fgeoweo5y	84	27	thus	thus	RB
work_wqit3j3isractbtv2fgeoweo5y	84	28	when	when	WRB
work_wqit3j3isractbtv2fgeoweo5y	84	29	an	an	DT
work_wqit3j3isractbtv2fgeoweo5y	84	30	applicant	applicant	NN
work_wqit3j3isractbtv2fgeoweo5y	84	31	scores	score	VBZ
work_wqit3j3isractbtv2fgeoweo5y	84	32	742	742	CD
work_wqit3j3isractbtv2fgeoweo5y	84	33	T.	T.	NNP
work_wqit3j3isractbtv2fgeoweo5y	84	34	Harris	Harris	NNP
work_wqit3j3isractbtv2fgeoweo5y	84	35	/	/	SYM
work_wqit3j3isractbtv2fgeoweo5y	84	36	Expert	Expert	NNP
work_wqit3j3isractbtv2fgeoweo5y	84	37	Systems	Systems	NNPS
work_wqit3j3isractbtv2fgeoweo5y	84	38	with	with	IN
work_wqit3j3isractbtv2fgeoweo5y	84	39	Applications	Applications	NNPS
work_wqit3j3isractbtv2fgeoweo5y	84	40	42	42	CD
work_wqit3j3isractbtv2fgeoweo5y	84	41	(	(	-LRB-
work_wqit3j3isractbtv2fgeoweo5y	84	42	2015	2015	CD
work_wqit3j3isractbtv2fgeoweo5y	84	43	)	)	-RRB-
work_wqit3j3isractbtv2fgeoweo5y	84	44	741–750	741–750	CD
work_wqit3j3isractbtv2fgeoweo5y	84	45	https://isiarticles.com/article/48568	https://isiarticles.com/article/48568	VBZ