{
  "data_kind": "public_observed_static",
  "policies": [
    {
      "capacity": 0.05,
      "capture": 0.066667,
      "captured_bad": 4,
      "method": "constant_train_rate",
      "precision": 0.4,
      "reviewed": 10,
      "total_bad": 60
    },
    {
      "capacity": 0.1,
      "capture": 0.1,
      "captured_bad": 6,
      "method": "constant_train_rate",
      "precision": 0.3,
      "reviewed": 20,
      "total_bad": 60
    },
    {
      "capacity": 0.2,
      "capture": 0.233333,
      "captured_bad": 14,
      "method": "constant_train_rate",
      "precision": 0.35,
      "reviewed": 40,
      "total_bad": 60
    },
    {
      "capacity": 0.05,
      "capture": 0.15,
      "captured_bad": 9,
      "method": "logistic",
      "precision": 0.9,
      "reviewed": 10,
      "total_bad": 60
    },
    {
      "capacity": 0.1,
      "capture": 0.283333,
      "captured_bad": 17,
      "method": "logistic",
      "precision": 0.85,
      "reviewed": 20,
      "total_bad": 60
    },
    {
      "capacity": 0.2,
      "capture": 0.466667,
      "captured_bad": 28,
      "method": "logistic",
      "precision": 0.7,
      "reviewed": 40,
      "total_bad": 60
    },
    {
      "capacity": 0.05,
      "capture": 0.15,
      "captured_bad": 9,
      "method": "isotonic",
      "precision": 0.9,
      "reviewed": 10,
      "total_bad": 60
    },
    {
      "capacity": 0.1,
      "capture": 0.283333,
      "captured_bad": 17,
      "method": "isotonic",
      "precision": 0.85,
      "reviewed": 20,
      "total_bad": 60
    },
    {
      "capacity": 0.2,
      "capture": 0.416667,
      "captured_bad": 25,
      "method": "isotonic",
      "precision": 0.625,
      "reviewed": 40,
      "total_bad": 60
    }
  ],
  "protocol": {
    "categorical_feature_indices_zero_based": [
      0,
      2,
      3,
      5,
      6,
      9,
      11,
      13,
      14,
      16,
      18
    ],
    "excluded_fields": [
      "personal_status_and_sex",
      "age",
      "foreign_worker"
    ],
    "label": "UCI native good=1 -> 0; bad=2 -> 1; no invented default horizon",
    "limitations": [
      "No decision/publication/revision dates: not point-in-time or out-of-time evidence",
      "Static historical German sample: not evidence about current Chinese credit",
      "200 test records: noisy single-split estimates; no selection or causal claim",
      "Excluding three fields does not demonstrate fairness or remove their proxies",
      "Native good/bad labels are not the synthetic experiment's 180-day 90+ DPD target",
      "No observed recoveries, monetary savings, approval policy or deployed service"
    ],
    "logistic": "C=1; lbfgs; max_iter=1000; no class weighting or tuning",
    "numeric_feature_indices_zero_based": [
      1,
      4,
      7,
      10,
      15,
      17
    ],
    "preprocessing": "train-only scaling and one-hot categories; unseen categories ignored",
    "review": "rank by score, then original UCI row; descriptive capacity only",
    "seed": 20261015,
    "split": "stratified random 60/20/20; frozen once; no search"
  },
  "runtime": {
    "numpy": "2.5.4",
    "python": "3.12.15",
    "scikit_learn": "1.9.1"
  },
  "schema": "creditvintage-public-credit-v1",
  "source": {
    "doi": "https://doi.org/10.24432/C5NC77",
    "license": "CC BY 4.0",
    "name": "Hofmann (1994), Statlog (German Credit Data), UCI",
    "native_bad": 300,
    "raw_sha256": "b21f3d81db8071257d5ff1deaeba1fd4303b62712e6fcc9715c7a86202cb5871",
    "records": 1000
  },
  "splits": {
    "calibration": {
      "native_bad": 60,
      "records": 200
    },
    "test": {
      "native_bad": 60,
      "records": 200
    },
    "train": {
      "native_bad": 180,
      "records": 600
    }
  },
  "test_metrics": {
    "constant_train_rate": {
      "average_precision": 0.3,
      "brier": 0.21,
      "roc_auc": 0.5
    },
    "isotonic": {
      "average_precision": 0.605599,
      "brier": 0.169376,
      "roc_auc": 0.759643
    },
    "logistic": {
      "average_precision": 0.677,
      "brier": 0.162263,
      "roc_auc": 0.774286
    }
  }
}