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The inclusion of time-varying covariates into survival Evaluation has led to higher predictions of time to default in behavioural credit scoring designs. Nevertheless, when these time-varying covariates are endogenous, There's two big issues: estimation bias from the survival model and lack of a prediction framework for potential values of https://westpacpetercornwell15673.techionblog.com/28952466/the-definitive-guide-to-anz-bank

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