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231                                                            
232                                                                                                                                                        <div class="static-block staticBlock14">
233                                                    <div  class="container-fluid"    style="padding-top: 0px;padding-bottom: 0px;" ><div class="static-block hmpg-hero-section">
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256<h1 class="hero-title">
257WE LIKE SOLVING
258<br>THE HARD PROBLEMS!
259</h1>
260
261<p class="hero-description">
262Deep Future Analytics (DFA) is the result of 30 years of research and experience in credit risk analytics, in all its many aspects. With a team of 25 expert data scientists, technologists, and economists, DFA is led by Dr. Joseph Breeden, a pioneer in the field of risk modeling. Together, we equip financial institutions with actionable intelligence to drive smarter, more strategic decisions.
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280<div class="service-icon">
281<img src="/files/media/Media7eb878f8d2013e70c911c675b086c3d2.png" alt="MRM AI Monitor">
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283
284<h3 class="service-title">MRM: AI Monitor
285</h3>
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295<h3 class="service-title">Credit Risk
296<br>Software Solutions</h3>
297
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306<h3 class="service-title">Consulting Services</h3>
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308</a>
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310</div>
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314</div></div>
315                                            </div>
316                                        
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318                                                    <div  class="container-fluid"    style="padding-top: 0px;padding-bottom: 0px;" ><div class="static-block hmpg-innovations-section" id="innovations">
319<div class="container">
320<div class="innovations-content text-center">
321
322<h2 class="section-title">Revolutionizing Consumer Risk Analytics</h2>
323
324<h3 class="section-subtitle">First-in-Industry Innovations</h3>
325
326<div class="row innovations-grid justify-content-center align-items-start">
327<!-- Left Image -->
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336<div class="d-flex align-items-center mb-3 innovations-list-content">
337<div class="innovation-number mr-3">1st</div>
338<div class="innovation-bar">to invent <strong>vintage modeling</strong> for consumer lending in the 1990s</div>
339</div>
340<div class="d-flex align-items-center mb-3 innovations-list-content">
341<div class="innovation-number mr-3">1st</div>
342<div class="innovation-bar"><strong>major CECL study</strong> released in April 2017</div>
343</div>
344<div class="d-flex align-items-center mb-3 innovations-list-content">
345<div class="innovation-number mr-3">1st</div>
346<div class="innovation-bar">solution that <strong>integrates all credit risk needs</strong> with the same account-level, scenario-driven modeling framework.</
346div>
347</div>
348<div class="d-flex align-items-center mb-3 innovations-list-content">
349<div class="innovation-number mr-3">1st</div>
350<div class="innovation-bar">to deploy <strong>stress testing software</strong>, 10 years before CCAR / DFAST</div>
351</div>
352<div class="d-flex align-items-center mb-3 innovations-list-content">
353<div class="innovation-number mr-3">1st</div>
354<div class="innovation-bar">to deploy <strong>CECL software</strong>, 1 week after the rules were finalized</div>
355</div>
356<div class="d-flex align-items-center mb-3 innovations-list-content">
357<div class="innovation-number mr-3">1st</div>
358<div class="innovation-bar">to solve economic <strong>contagion modeling</strong> for climate risk</div>
359</div>
360<div class="d-flex align-items-center mb-3 innovations-list-content">
361<div class="innovation-number mr-3">1st</div>
362<div class="innovation-bar">to deploy <strong>AI compliance monitoring</strong> for frontline AI</div>
363</div>
364</div>
365
366<!-- Pioneering & Publications Section -->
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370
371<h4 class="pioneering-title">Pioneering Solutions</h4>
372
373<ul class="pioneering-text list-unstyled">
374<li>
374Our software <span class="highlight">predicted the US mortgage crisis</span> as early as Feb 2006 for our clients.</li>
375<li>Solved the <span class="highlight">long-range forecasting problem</span> in machine learning and AI</li>
376<li>Solved the <span class="highlight">out-of-time deterioration problem</span> in scoring, traditional and ML/AI</li>
377</ul>
378</div>
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380<!-- Publications 
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383							<h4 class="publications-title">Publications</h4>
384							<div class="publications-grid">
385								<img src="/files/media/Mediaef0598a3a5257fce0c88f2435b8bd4e3.jpg" alt="Publication 4" class="publication-item">
386								<img src="/files/media/Mediae0e5a7adb896a8b32d4c9f473ed58521.jpg" alt="Publication 3" class="publication-item">
387								<img src="/files/media/Mediaf4ec9cb0eec4fb0dcfe0011a82304776.jpg" alt="Publication 2" class="publication-item">
388								<img src="/files/media/Mediafed0c388290f22902743cde032f1e162.jpg" alt="Publication 1" class="publication-item">
389							</div>
390						</div> -->
391
392
393</div>
394</div>
395
396<!-- /col -->
397</div>
398<!-- /row.innovations-grid -->
399</div>
400
401</div>
402</div></div>
403                                            </div>
404                                        
405                                                                                                                                                
406                                        <div class="container">
407    <div class="">
408        <div class="banner-slider" style="margin-top: 15px; margin-bottom: 60px; ">
409                        <div class="title-border">
410               <h3> <p>
411<span style="white-space:pre-wrap;">Blog</span>
412</p></h3>
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414                        <div class="row popular-products-contain">
415                
416                <div class="slider-sg col-sm-12">
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418                    <ul class="MagicScroll item_ banner-onerow-slider" id="tab_magic_slider_2"  data-options="items: [ [600,2], [800,2.5], [1000,3], [1200,3], [2000,3] ];step: 1; autoplay: 5000; arrows: false;pagination: true;;">
419
420                        
421                                                    
422                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
423
424                                <div class="blog-items">
425    <div class="blog-thumb">
426        <div class="blog-img" style="padding-top:75%">
427          	<a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition">
428          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featureec16eb322f3717d92804102831f0e52e.png" alt="Economic Benefits of Score Market Competition">
429          	</a>
430        </div>
431        <div class="blog-content">
432            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition" class="link-product-name">Economic Benefits of Score Market Competition for Conforming Mortgages</a></h2>
433            <h4 class="post-short-description">This study evaluates the economic consequences of that competitive shift, specifically focusing on the impact to credit score costs that are ultimately borne by mortgage borrowers.</h4>
434            <div class="blog-list-date">2026-09-01 12:00:00</div>
435        </div>
436    </div>
437</div>                            </li>
438                            
439                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
440
441                                <div class="blog-items">
442    <div class="blog-thumb">
443        <div class="blog-img" style="padding-top:75%">
444          	<a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2">
445          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature6ab8b8014b022c884536a03c9569e175.png" alt="The evolution of goals in AI agents">
446          	</a>
447        </div>
448        <div class="blog-content">
449            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2" class="link-product-name">The evolution of goals in AI agents</a></h2>
450            <h4 class="post-short-description">Forced evolution has been proposed as a possible path to developing artificial general intelligence. For practical reasons,
451self-replicating robots are being proposed for missions where direct manufacture could be prohibitive or as a cost-effective
452means to maintain a stable working population of robots. If self-replication occurs in a harsh (i.e. selective) environment,
453the forces of evolution may distort the originally programmed objectives. Via millions of simulations of AI agents with
454
455nematode-level neural networks, this research explores the consequences of allowing replication in a hostile and competi-
456tive environment. As the selection pressures are tuned, the evolution of their neural networks and corresponding behav-
457ioral changes are tracked. As a consequence of these simulations, agents with multi-layer neural networks trained simply
458
459to retrieve resources, consume needed resources, and evade obstacles evolve behaviors that look like evasion of hostile
460overseers, the intended murder of enemies, and cannibalism of other agents. These simulations are intended to directly
461address safety concerns around creating self-replicating AI agents or robots. As designers, if we allow replication under
462selection pressure, regardless of initial designs, we risk allowing the emergence of unintended strategies. One solution to
463preventing evolution could be to enable AI agents with continuous backup– immortality.</h4>
464            <div class="blog-list-date">2025-09-08 12:00:00</div>
465        </div>
466    </div>
467</div>                            </li>
468                            
469                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
470
471                                <div class="blog-items">
472    <div class="blog-thumb">
473        <div class="blog-img" style="padding-top:75%">
474          	<a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a">
475          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuredd9523f8758bb7b078b0753e34e375d8.png" alt="An Age–Period–Cohort Framework for Profit and Profit Volatility Modeling">
476          	</a>
477        </div>
478        <div class="blog-content">
479            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a" class="link-product-name">An Age–Period–Cohort Framework for Profit and Profit Volatility Modeling</a></h2>
480            <h4 class="post-short-description">The greatest source of failure in portfolio analytics is not individual models that perform
481poorly, but rather an inability to integrate models quantitatively across management functions. The
482separable components of age–period–cohort models provide a framework for integrated credit risk
483modeling across an organization. Using a panel data structure, credit risk scores can be integrated
484with an APC framework using either logistic regression or machine learning. Such APC scores for
485default, payoff, and other key rates fit naturally into forward-looking cash flow estimates. Given
486an economic scenario, every applicant at the time of origination can be assigned profit and profit
487volatility estimates so that underwriting can truly be account-level. This process optimizes the most
488fallible part of underwriting, which is setting cutoff scores and assigning loan pricing and terms.
489This article provides a summary of applications of APC models across portfolio management roles,
490with a description of how to create the models to be directly integrated. As a consequence, cash
491flow calculations are available for each account, and cutoff scores can be set directly from portfolio
492financial targets.</h4>
493            <div class="blog-list-date">2025-09-08 12:00:00</div>
494        </div>
495    </div>
496</div>                            </li>
497                            
498                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
499
500                                <div class="blog-items">
501    <div class="blog-thumb">
502        <div class="blog-img" style="padding-top:75%">
503          	<a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh">
504          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7fd7155d13cafc8cc42afab55f24b623.png" alt="Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing">
505          	</a>
506        </div>
507        <div class="blog-content">
508            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh" class="link-product-name">Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing</a></h2>
509            <h4 class="post-short-description">Machine learning models have been used extensively for credit scoring,
510but the architectures employed su
511
512er from a significant loss in accuracy
513out-of-sample and out-of-time. Further, the most common architectures do
514not e
515ectively integrate economic scenarios to enable stress testing, cash flow,
516or yield estimation. The present research demonstrates that providing lifecycle
517and environment functions from Age-Period-Cohort analysis can significantly
518improve out-of-sample and out-of-time performance as well as enabling the
519model’s use in both scoring and stress testing applications. This method is
520demonstrated for behavior scoring where account delinquency is one of the
521provided inputs, because behavior scoring has historically presented the most
522diculties for combining credit scoring and stress testing. Our method works
523well in both origination and behavior scoring. The results are also compared to
524multihorizon survival models, which share the same architectural design with
525Age-Period-Cohort inputs and coecients that vary with forecast horizon, but
526using a logistic regression estimation of the model. The analysis was performed
527on 30-year prime conforming US mortgage data. Nonlinear problems involving
528large amounts of alternate data are best at highlighting the advantages of machine
529learning. Data from Fannie Mae and Freddie Mac is not such a test case, but it serves
530the purpose of comparing these methods with and without Age-Period-Cohort
531inputs. In order to make a fair comparison, all models are given a panel structure
532where each account is observed monthly to determine default or non-default.</h4>
533            <div class="blog-list-date">2025-09-08 12:00:00</div>
534        </div>
535    </div>
536</div>                            </li>
537                            
538                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
539
540                                <div class="blog-items">
541    <div class="blog-thumb">
542        <div class="blog-img" style="padding-top:75%">
543          	<a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating">
544          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featurebfda4a1a0079ae2c36513f41f40e4722.png" alt="Classical and quantum computing methods for estimating loan-level risk distributions">
545          	</a>
546        </div>
547        <div class="blog-content">
548            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating" class="link-product-name">Classical and quantum computing methods for estimating loan-level risk distributions</a></h2>
549            <h4 class="post-short-description">Classical and quantum computing methods for estimating loan-level risk distributions</h4>
550            <div class="blog-list-date">2025-09-05 12:00:00</div>
551        </div>
552    </div>
553</div>                            </li>
554                            
555                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
556
557                                <div class="blog-items">
558    <div class="blog-thumb">
559        <div class="blog-img" style="padding-top:75%">
560          	<a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management">
561          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature3b55ad1b66ce0ca2113d198aa6d14c18.png" alt="Effective Generative AI Model Risk Management">
562          	</a>
563        </div>
564        <div class="blog-content">
565            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management" class="link-product-name">Effective Generative AI Model Risk Management</a></h2>
566            <h4 class="post-short-description">Effective Generative AI Model Risk Management</h4>
567            <div class="blog-list-date">2025-09-03 12:00:00</div>
568        </div>
569    </div>
570</div>                            </li>
571                            
572                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
573
574                                <div class="blog-items">
575    <div class="blog-thumb">
576        <div class="blog-img" style="padding-top:75%">
577          	<a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers">
578          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuree6e62216684fd6c523e3a9acfe5dc5f9.png" alt="A Theory of Borrowers">
579          	</a>
580        </div>
581        <div class="blog-content">
582            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers" class="link-product-name">A Theory of Borrowers</a></h2>
583            <h4 class="post-short-description">Credit Risk, Adverse Selection, Age-Period-Cohort
584Models</h4>
585            <div class="blog-list-date">2025-09-03 12:00:00</div>
586        </div>
587    </div>
588</div>                            </li>
589                            
590                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
591
592                                <div class="blog-items">
593    <div class="blog-thumb">
594        <div class="blog-img" style="padding-top:75%">
595          	<a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society">
596          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8e8a1801ea883e5257f2ef981d79332d.png" alt="Journal of the Operational Research Society">
597          	</a>
598        </div>
599        <div class="blog-content">
600            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society" class="link-product-name">Journal of the Operational Research Society</a></h2>
601            <h4 class="post-short-description">The new accounting standards of CECL for the US and IFRS 9 elsewhere require predictions
602of lifetime losses for loans. The use of roll rates, state transition and “vintage” models has
603been proposed and indeed are used by practitioners. The first two methods are relatively
604more accurate for predictions of up to one year, because they include lagged delinquency
605
606as a predictor, whereas “vintage” models are more accurate for predictions for longer peri-
607ods, but not short periods because they omit delinquency as a predictor variable. In this
608
609paper we propose the use of survival models that include lagged delinquency as a covariate
610and show, using a large sample of 30 year mortgages, that the proposed method is more
611accurate than any of the other three methods for both short-term and long-term predictions
612of the probability of delinquency. We experiment extensively to find the appropriate lagging
613structure for the delinquency term. The results provide a new method to make lifetime loss
614predictions, as required by CECL and IFRS 9 Stage 2.</h4>
615            <div class="blog-list-date">2025-09-03 12:00:00</div>
616        </div>
617    </div>
618</div>                            </li>
619                            
620                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
621
622                                <div class="blog-items">
623    <div class="blog-thumb">
624        <div class="blog-img" style="padding-top:75%">
625          	<a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk">
626          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featured6524fa00f5a562065f6b72592284b4d.png" alt="A survey of machine learning in credit risk">
627          	</a>
628        </div>
629        <div class="blog-content">
630            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk" class="link-product-name">A survey of machine learning in credit risk</a></h2>
631            <h4 class="post-short-description">Machine learning algorithms have come to dominate several industries. After
632
633decades of resistance from examiners and auditors, machine learning is now mov-
634ing from the research desk to the application stack for credit scoring and a range
635
636of other applications in credit risk.</h4>
637            <div class="blog-list-date">2025-07-25 12:00:00</div>
638        </div>
639    </div>
640</div>                            </li>
641                            
642                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
643
644                                <div class="blog-items">
645    <div class="blog-thumb">
646        <div class="blog-img" style="padding-top:75%">
647          	<a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design">
648          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8c49cc442f88e58de55bf1b9fefc4b84.png" alt="Creating Unbiased Machine Learning Models by Design">
649          	</a>
650        </div>
651        <div class="blog-content">
652            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design" class="link-product-name">Creating Unbiased Machine Learning Models by Design</a></h2>
653            <h4 class="post-short-description">Unintended bias against protected groups has become a key obstacle to the widespread adoption of machine learning methods.</h4>
654            <div class="blog-list-date">2025-08-10 12:00:00</div>
655        </div>
656    </div>
657</div>                            </li>
658                            
659                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
660
661                                <div class="blog-items">
662    <div class="blog-thumb">
663        <div class="blog-img" style="padding-top:75%">
664          	<a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise">
665          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature670a43d1f8c4b874506dceeaaccdcf9d.png" alt="Solving the Long-R
665ange Forecasting Problem in Supervised Learning">
666          	</a>
667        </div>
668        <div class="blog-content">
669            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise" class="link-product-name">Solving the Long-Range Forecasting Problem in Supervised Learning</a></h2>
670            <h4 class="post-short-description">In a world where big data is everywhere, no one has big data relative to the economic cycle. Data  volume needs to be thought of along two dimensions.</h4>
671            <div class="blog-list-date">2025-08-10 12:00:00</div>
672        </div>
673    </div>
674</div>                            </li>
675                            
676                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
677
678                                <div class="blog-items">
679    <div class="blog-thumb">
680        <div class="blog-img" style="padding-top:75%">
681          	<a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment">
682          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7be2454b2296da87a110ebd8f8291725.png" alt="Impacts of Drought on Loan Repayment">
683          	</a>
684        </div>
685        <div class="blog-content">
686            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment" class="link-product-name">Impacts of Drought on Loan Repayment</a></h2>
687            <h4 class="post-short-description">In order to stress test loan portfolios for the impacts of climate change, historical events need to be analyzed to create templates to stress test for future events. Using the 2012 Midwestern US drought as an example, this work creates a stress-testing template for future droughts. The analysis connects weather and crop yield data to impacts on local macroeconomic conditions by comparing drought-impacted agricultural counties with nearby urban counties. After measuring the net macroeconomic impacts of the drought, this was used as an overlay with existing macroeconomic stress models to stress test a lender in a different part of the US for possible drought impacts. Having a library of such climate events would allow lenders to stress test their portfolios for a wide range of possible impacts.</h4>
688            <div class="blog-list-date">2025-07-23 12:00:00</div>
689        </div>
690    </div>
691</div>                            </li>
692                                                    
693                       
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716</span>
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719
720<div class="software-section-parent">
721<div class="software-content">
722
723<h2 class="software-title">Credit Risk Software Solutions</h2>
724<div class="software-grid">
725<div class="software-card">
726<a href="/page/solutions#solution1">
727<div class="software-card-image" style="
728                    background-image: url('/files/media/Media9bf38243893043c3a42f172ddd946ffb.jpg');">
729<div class="software-card-title">Retail Portfolio Analytics</div>
730</div>
731</a>
732
733
734<div class="software-card-content">
735
736<p class="software-card-description">
737including delinquency, loss, and profitability; vintage-based analysis and forecasting; through-the-door distribution shifts; pricing sensitivity
738</p>
739</div>
740</div>
741<div class="software-card">
742
743<a href="/page/solutions#solution2">
744<div class="software-card-image" style="
745                    background-image: url('/files/media/Media3ef8ff5149e4dd4b742fc112cf1a9559.jpg');">
746
747
748<div class="software-card-title">Stress Testing</div>
749</div>
750</a>
751
752<div class="software-card-content">
753
754<p class="software-card-description">
755for Retail Portfolios (Personal Loans, Cards, Auto, Mortgages, Small Business Loans)
756</p>
757</div>
758</div>
759
760<div class="software-card">
761<a href="/page/solutions#solution3">
762<div class="software-card-image" style="
763                    background-image: url('/files/media/Media694605167ce4fdb28077d4b8c96fa447.jpg');">
764<div class="software-card-title">IFRS 9 &amp; CECL</div>
765</div>
766</a>
767
768
769<div class="software-card-content">
770
771<p class="software-card-description">
772credit risk modeling for transparent financial reporting.
773</p>
774</div>
775</div>
776
777
778<div class="software-card">
779<a href="/page/solutions#solution4">
780<div class="software-card-image" style="
781                    background-image: url('/files/media/Media4bf36a9094ceea83c6606d420dfc03c0.jpg');">
782<div class="software-card-title">Yield Forecasting</div>
783</div>
784</a>
785
786<div class="software-card-content">
787
788<p class="software-card-description">
789including credit loss, yield, and NPV for smarter capital allocation.
790</p>
791</div>
792</div>
793<div class="software-card">
794<a href="/page/solutions#solution5">
795<div class="software-card-image" style="
796                    background-image: url('/files/media/Media1928f954617f7555f185865c70a89aff.jpg');">
797<div class="software-card-title">Pricing Optimization</div>
798</div>
799</a>
800<div class="software-card-content">
801
802<p class="software-card-description">
803for Risk-based pricing and Cut-off score optimization to balance risk, returns, and growth
804</p>
805</div>
806</div>
807<div class="software-card">
808<a href="/page/solutions#solution6">
809<div class="software-card-image" style="
810                    background-image: url('/files/media/Media2bc98b0a4d2d905f9bd5402256dc492b.jpg');">
811<div class="software-card-title">
812APR and Adverse
813<br>Selection Benchmarking
814</div>
815</div>
816</a>
817<div class="software-card-content">
818
819<p class="software-card-description">
820for all loan types to aid in competitive analysis and loan origination strategy
821</p>
822</div>
823</div>
824
825
826<div class="software-card">
827<a href="/page/solutions#solution7">
828
829<div class="software-card-image" style="
830                    background-image: url('/files/media/Media4c691921e48b35776026f0b737ba9454.png');">
831
832
833
834
835<div class="software-card-title">
836
837Adverse Selection
838<br>Early Warning / Opportunity
839</div>
840</div>
841</a>
842
843
844<div class="software-card-content">
845
846<p class="software-card-description">
847A panel-based Origination Score connects directly to PD through the lifecycle
848</p>
849
850</div>
851
852</div>
853
854<div class="software-card">
855<a href="/page/solutions#solution8">
856
857<div class="software-card-image" style="
858                    background-image: url('/files/media/Media7742243a603187074b5822a1fa2c2057.png');">
859
860
861
862
863<div class="software-card-title">
864
865Advanced Lending Intelligence
866<br>for Auto (ALIA)
867</div>
868</div>
869</a>
870
871
872<div class="software-card-content">
873
874<p class="software-card-description">
875Detailed data on vehicle sales, direct from the dealers, updated weekly.
876</p>
877
878</div>
879
880</div>
881
882
883<div class="software-card">
884<a href="/page/solutions#solution9">
885<div class="software-card-image" style="background-image: url('/files/media/Media78dab7e62590857bae441059b6d50608.png');">
886<div class="software-card-title">Coming Soon</div>
887</div>
888</a>
889
890<div class="software-card-content">
891
892<p class="software-card-description">Coming Soon</p>
893</div>
894
895</div>
896
897
898
899
900</div>
901</div>
902</div>
903</div>
904</div></div>
905                                            </div>
906                                        
907                                                                                                                                                                                            <div class="static-block staticBlock29">
908                                                    <div  class="container-fluid"    style="padding-top: 40px;padding-bottom: 40px;" ><div class="consult-section-name-nack">
909
910<div class="overlay-content">
911<div class="header-consult">
912
913<h2 style="text-align: center; color: #091E39;">Consulting Services</h2>
914
915</div>
916<div class="consult-slick">
917<div class="consult-items text-center">
918<div class="img-wrapper">
919<img class="img-fluid" src="/files/media/media__35328f70111682640360992f22e8d6e6.jpg" alt="">
920</div>
921
922<p class="items-title" style="text-align: center; color: #091E39;">Advanced Credit Score Development</p>
923
924</div>
925<div class="consult-items text-center">
926<div class="img-wrapper">
927<img class="img-fluid" src="/files/media/media__0d7022fc604ba4ebbfb9a3fc528c4aa1.jpg" alt="">
928</div>
929
930<p class="items-title" style="text-align: center; color: #091E39;">Portfolio Valuations/ Asset Valuations</p>
931
932</div>
933<div class="consult-items text-center">
934<div class="img-wrapper">
935<img class="img-fluid" src="/files/media/media__95e6990d3fa50256d362cc0a8d900203.jpg" alt="">
936</div>
937
938<p class="items-title" style="text-align: center; color: #091E39;">
938Climate Risk</p>
939
940</div>
941<div class="consult-items text-center">
942<div class="img-wrapper">
943<img class="img-fluid" src="/files/media/media__81b8fda7553975cd6251b52281f2082f.jpg" alt="">
944</div>
945
946<p class="items-title" style="text-align: center; color: #091E39;">
947Creditline
948<br> Optimization
949</p>
950
951</div>
952<div class="consult-items text-center">
953<div class="img-wrapper">
954<img class="img-fluid" src="/files/media/media__21a1437f78fb4298b6f726fb0da08587.jpg" alt="">
955</div>
956
957<p class="items-title" style="text-align: center; color: #091E39;">Yield &amp; Profitability Modeling</p>
958
959</div>
960</div>
961</div>
962</div></div>
963                                            </div>
964                                        
965                                                                                                                                                                                            <div class="static-block staticBlock17">
966                                                    <div  class="container-fluid"    style="padding-top: 0px;padding-bottom: 0px;" ><div class="static-block hmpg-success-bg">
967<div class="container">
968<div class="success-section-parent">
969
970<h2 class="success-title">DFA Consulting Success Stories</h2>
971<div class="success-grid">
972<div class="success-card">
973<div class="success-icon">
974<img src="/files/media/Mediabfe0ed4afe77acbf9632822de8b0f752.png" alt="FinTech Success">
975</div>
976
977<p class="success-description">
978Machine learning models for Personal Loans and Cards for the <span class="highlight">largest
979              FinTech lender in the US</span>
980</p>
981</div>
982<div class="success-card">
983<div class="success-icon">
984<img src="/files/media/Mediaf98f9526d85a6f15cad4a5a3a25b0f29.png" alt="Climate Risk Success">
985</div>
986
987<p class="success-description">
988Climate risk stress testing for <span class="highlight">major US GSEs &amp; training for
989              ECB</span>
990</p>
991</div>
992<div class="success-card">
993<div class="success-icon">
994<img src="/files/media/Media95e52e9d26258f88c76891dfde9b7638.png" alt="Auto Loan Success">
995</div>
996
997<p class="success-description">
998Auto loan asset valuation for several <span class="highlight">top-tier US
999              PrivateEquity firms</span>
1000</p>
1001</div>
1002<div class="success-card">
1003<div class="success-icon">
1004<img src="/files/media/Mediad8762fc15d23971da93f46d52a4913b7.png" alt="Asset Valuation Success">
1005</div>
1006
1007<p class="success-description">
1008Asset valuation for <span class="highlight">US banks/ FinTechs</span> for buying loan portfolios
1009</p>
1010</div>
1011<div class="success-card">
1012<div class="success-icon">
1013<img src="/files/media/Mediacd733ddd65dfb769d5d0bda38cfc5942.png" alt="Stress Testing Success">
1014</div>
1015
1016<p class="success-description">
1017Stress testing for <span class="highlight">several global lenders</span>
1018</p>
1019</div>
1020<div class="success-card">
1021<div class="success-icon">
1022<img src="/files/media/Media65249595ca724cda9af16566f73c23f8.png" alt="Risk-based Pricing Success">
1023</div>
1024
1025<p class="success-description">
1026Risk-based pricing and benchmarking project for a <span class="highlight">top auto lender in the US</span>
1027</p>
1028</div>
1029</div>
1030</div>
1031</div>
1032</div></div>
1033                                            </div>
1034                                        
1035                                                                                                                                                                                            <div class="static-block staticBlock18">
1036                                                    <div  class="container-fluid"    style="padding-top: 0px;padding-bottom: 0px;" ><div class="static-block">
1037<div class="container">
1038<div class="dfa-apart-section">
1039
1040<h2 class="dfa-apart-title">What Sets DFA Apart</h2>
1041<div class="dfa-apart-grid">
1042<div class="dfa-apart-item">
1043<div class="dfa-apart-icon">
1044<img src="/files/media/Media0d0434f05bffc59763edb9890068fccb.png" alt="Adverse Selection Icon">
1045</div>
1046<div class="dfa-apart-content">
1047
1048<h3>Adverse Selection Insights</h3>
1049
1050<p>Quantified and seamlessly integrated into forecasts for smarter risk management.</p>
1051</div>
1052</div>
1053<div class="dfa-apart-item">
1054<div class="dfa-apart-icon">
1055<img src="/files/media/Mediaaec56f39fd261371d00c9e12a029ef27.png" alt="Robust Models Icon">
1056</div>
1057<div class="dfa-apart-content">
1058
1059<h3>Robust, Reliable Models</h3>
1060
1061<p>No overfitting in machine learning and logistic regression, ensuring accurate predictions.</p>
1062</div>
1063</div>
1064<div class="dfa-apart-item">
1065<div class="dfa-apart-icon">
1066<img src="/files/media/Mediaaeb7f9901ca53547ff4bddf3bd9367e1.png" alt="Portfolio Optimization Icon">
1067</div>
1068<div class="dfa-apart-content">
1069
1070<h3>True Portfolio Optimization</h3>
1071
1072<p>Supports true product and portfolio optimization over time for sustained growth.</p>
1073</div>
1074</div>
1075<div class="dfa-apart-item">
1076<div class="dfa-apart-icon">
1077<img src="/files/media/Media3832b21fb85d39fb2474137f8839a884.png" alt="Data-Driven Icon">
1078</div>
1079<div class="dfa-apart-content">
1080
1081<h3>Data-Driven Optimization</h3>
1082
1083<p>Cut-off scores and pricing fine-tuned to yield thresholds—no guesswork, just precision.</p>
1084</div>
1085</div>
1086<div class="dfa-apart-item">
1087<div class="dfa-apart-icon">
1088<img src="/files/media/Mediaaec0182880aa690133cebd0451397a23.png" alt="Stress Testing Icon">
1089</div>
1090<div class="dfa-apart-content">
1091
1092<h3>Advanced Stress Testing</h3>
1093
1094<p>Traditional macroeconomic and climate risk stress tests applied down to the account level.</p>
1095</div>
1096</div>
1097<div class="dfa-apart-item">
1098<div class="dfa-apart-icon">
1099<img src="/files/media/Media0f62866b38450865160ed69ca62fcf2b.png" alt="AI Strategy Icon">
1100</div>
1101<div class="dfa-apart-content">
1102
1103<h3>AI-Driven Strategy</h3>
1104
1105<p>Empowers Strategic Recommendation Agents (SRA), the AI that businesses need.</p>
1106</div>
1107</div>
1108</div>
1109</div>
1110</div>
1111</div></div>
1112                                            </div>
1113                                        
1114                                                                                                                                                                                            <div class="static-block staticBlock19">
1115                                                    <div  class="container-fluid"    style="padding-top: 0px;padding-bottom: 0px;" ><div class="static-block staticBlockHmPgTechnology">
1116<div class="container">
1117<section class="row hmpg-dfatechnology-section">
1118<div class="col-12">
1119
1120<h2 class="technology-title">DFA Technology</h2>
1121</div>
1122<div class="col-12 col-xl-6">
1123<div class="deployment-modes">
1124
1125<h3 class="deployment-title">Deployment Modes</h3>
1126<div class="deployment-options">
1127<div class="deployment-option">
1128<div class="deployment-icon">
1129<img src="/files/media/Media27d7628632b1a16fe163922325ca8e5c.png" alt="On-Premises Icon">
1130</div>
1131<div class="deployment-details">
1132
1133<h4>On-Premises</h4>
1134
1135<ul>
1136<li>SAS, R, Python</li>
1137<li>Library license</li>
1138<li>Outputs to Tableau,
1139<br>PowerBI, Other</li>
1140</ul>
1141</div>
1142</div>
1143<div class="deployment-desktop-separator"></div>
1144<div class="deployment-option">
1145<div class="deployment-icon">
1146<img src="/files/media/Media0e584bd750924d9aaab38d4718afce6a.png" alt="Cloud Icon">
1147</div>
1148<div class="deployment-details">
1149
1150<h4>Cloud</h4>
1151
1152<ul>
1153<li>AWS-Hosted Software</li>
1154<li>DFA-maintained models</li>
1155<li>Interactive UI</li>
1156</ul>
1157</div>
1158</div>
1159<div class="deployment-mobile-separator"></div>
1160</div>
1161</div>
1162</div>
1163<div class="col-12 col-xl-6">
1164<div class="solutions-licensed">
1165
1166<h3 class="solutions-title">Solutions are licensed by modules.</h3>
1167<img src="/files/media/Media58ce6f71b9acd9049a91ffc03536b10c.jpg" alt="Software Solutions" class="w-100 solutions-image">
1168</div>
1169</div>
1170
1171</section>
1172</div>
1173</div></div>
1174                                            </div>
1175                                        
1176                                                                                                                                                
1177                                        <div class="container">
1178    <div class="">
1179        <div class="banner-slider" style="margin-top: 15px; margin-bottom: 60px; ">
1180                        <div class="title-border">
1181               <h3> <p><span data-metadata="&lt;
1181!--(figmeta)eyJmaWxlS2V5IjoiTXMxeno2bVBSVkVPVjM4QlVlRmE0diIsInBhc3RlSUQiOjQ1NTY2NzYwNiwiZGF0YVR5cGUiOiJzY2VuZSJ9Cg==(/figmeta)--&gt;"></span><span 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(/figma)--&gt;"></span><span style="white-space:pre-wrap;">Articles</span>
1182</p></h3>
1183            </div><!-- title-border-->
1184                        <div class="row popular-products-contain">
1185                
1186                <div class="slider-sg col-sm-12">
1187                    <div class="slider-sg-inner" style="margin-left: -12px; margin-right: -12px;">
1188                    <ul class="MagicScroll item_ banner-onerow-slider" id="tab_magic_slider_1"  data-options="items: [ [600,2], [800,2.5], [1000,3], [1200,3], [2000,3] ];step: 1; autoplay: 5000; arrows: false;pagination: true;;">
1189
1190                        
1191                                                    
1192                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1193
1194                                <div class="blog-items">
1195    <div class="blog-thumb">
1196        <div class="blog-img" style="padding-top:75%">
1197          	<a href="https://www.deepfutureanalytics.com/en/blog/stress-testing-for-pandemics">
1198          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featurec4efe15c020440745dc4731ea67d8552.png" alt="Stress Testing for Pandemics">
1199          	</a>
1200        </div>
1201        <div class="blog-content">
1202            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/stress-testing-for-pandemics" class="link-product-name">Stress Testing for Pandemics</a></h2>
1203            <h4 class="post-short-description">Given the unfortunate global headlines about coronavirus, lenders are starting to ask about stress testing the financial impacts of possible pandemics. For some, that is dusting off old plans. For others, it is devising new plans. For myself, it is reliving the past.</h4>
1204            <div class="blog-list-date">2025-07-10 12:00:00</div>
1205        </div>
1206    </div>
1207</div>                            </li>
1208                            
1209                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1210
1211                                <div class="blog-items">
1212    <div class="blog-thumb">
1213        <div class="blog-img" style="padding-top:75%">
1214          	<a href="https://www.deepfutureanalytics.com/en/blog/normalizing-pandemic-data-for-credit-scoring">
1215          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature88451c5eca253ec68e8c3fc66d7fdc03.png" alt="Normalizing Pandemic Data for Credit Scoring">
1216          	</a>
1217        </div>
1218        <div class="blog-content">
1219            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/normalizing-pandemic-data-for-credit-scoring" class="link-product-name">Normalizing Pandemic Data for Credit Scoring</a></h2>
1220            <h4 class="post-short-description">The COVID-19 pandemic created abnormal credit risk conditions that did not align well with pre-2020 credit scores. Since the pandemic, most organizations have either excluded the peri
1220od 2020-2021 from their modeling or included it without adjustment, leaving it as noise in the data. Model validators and examiners have been divided about requiring one of these approaches or defaulting to model developer judgment. None of this is ideal from a model development perspective. We have found that a technical solution is available. Our analysis uses lifecycle and environment outputs from an Age-Period-Cohort analysis as fixed offsets to the credit score development. Panel data is used, so the credit score is developed with a discrete time survival model approach. We tested logistic regression and stochastic gradient boosted regression trees as estimators with the panel data and APC inputs. For this research, we used Fannie Mae data. The APC model was estimated on the full available history, from 2005 through 2024. The origination scores were estimated on two-year periods from 2016 through 2024 and tested on all other periods, including a score that was developed on the full period. All models were also tested on comparably prepared data from Freddie Mac for cross-validation.</h4>
1221            <div class="blog-list-date">2025-07-10 12:00:00</div>
1222        </div>
1223    </div>
1224</div>                            </li>
1225                            
1226                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1227
1228                                <div class="blog-items">
1229    <div class="blog-thumb">
1230        <div class="blog-img" style="padding-top:75%">
1231          	<a href="https://www.deepfutureanalytics.com/en/blog/current-expected-credit-loss-procyclicality">
1232          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature6d4227eff53f9cceb5e551722dde9ac1.png" alt="Current expected credit loss procyclicality: it depends on the model">
1233          	</a>
1234        </div>
1235        <div class="blog-content">
1236            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/current-expected-credit-loss-procyclicality" class="link-product-name">Current expected credit loss procyclicality: it depends on the model</a></h2>
1237            <h4 class="post-short-description">Current expected credit loss procyclicality: it depends on the model</h4>
1238            <div class="blog-list-date">2025-07-25 12:00:00</div>
1239        </div>
1240    </div>
1241</div>                            </li>
1242                            
1243                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1244
1245                                <div class="blog-items">
1246    <div class="blog-thumb">
1247        <div class="blog-img" style="padding-top:75%">
1248          	<a href="https://www.deepfutureanalytics.com/en/blog/when-big-data-is-not-enough">
1249          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature2dbc7453609eafa1d32cd33bced0b17c.png" alt="When Big Data Isn’t Enough">
1250          	</a>
1251        </div>
1252        <div class="blog-content">
1253            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/when-big-data-is-not-enough" class="link-product-name">When Big Data Isn’t Enough: Solving the long-range forecasting problem in supervised learning</a></h2>
1254            <h4 class="post-short-description">n a world where big data is everywhere, no one has big data relative to the economic cycle. Data volume needs to be thought of along two dimensions. (1) How many accounts / transactions / data fields do we have? (2) How much time history do we have? Few, if any, big data sets include history covering one economic cycle (back to 2005) or two economic cycles (back to 1998). Therefore, unstructured learning algorithms will be unable to distinguish between long-term macroeconomic drivers and point-in-time variations across accounts or transactions. This is the colinearity problem that is well known in consumer lending.</h4>
1255            <div class="blog-list-date">2025-07-25 12:00:00</div>
1256        </div>
1257    </div>
1258</div>                            </li>
1259                            
1260                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1261
1262                                <div class="blog-items">
1263    <div class="blog-thumb">
1264        <div class="blog-img" style="padding-top:75%">
1265          	<a href="https://www.deepfutureanalytics.com/en/blog/consumer-risk-appetite-the-credit-cycle-and-the-housing">
1266          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature79e0179bc462
1266c50d1e2d6d32f4459c52.png" alt="Research Paper">
1267          	</a>
1268        </div>
1269        <div class="blog-content">
1270            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/consumer-risk-appetite-the-credit-cycle-and-the-housing" class="link-product-name">Consumer risk appetite, the credit cycle and the housing bubble</a></h2>
1271            <h4 class="post-short-description">In this paper, we explore the role of consumer risk appetite in the initiation of credit
1272cycles and as an early trigger of the US mortgage crisis. We analyze a panel data set
1273of mortgages originated between 2000 and 2009 and follow their performance up to
12742014. After controlling for all of the usual observable effects, we show that a strong
1275residual vintage effect remains. This vintage effect correlates well with consumer
1276mortgage demand, as measured by the Federal Reserve Board’s Senior Loan Officer
1277Opinion Survey, and with changes in mortgage pricing at the time the loan was
1278originated. Our findings are consistent with an economic environment in which the
1279incentives of low-risk consumers to obtain a mortgage decrease when the cost of
1280obtaining a loan rises. As a result, mortgage originators generate mortgages from a
1281pool of consumers with changing risk profiles over the credit cycle. The unobservable
1282component of the shift in credit risk, relative to the usual underwriting criteria, may
1283be thought of as macroeconomic adverse selection.</h4>
1284            <div class="blog-list-date">2025-07-25 12:00:00</div>
1285        </div>
1286    </div>
1287</div>                            </li>
1288                            
1289                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1290
1291                                <div class="blog-items">
1292    <div class="blog-thumb">
1293        <div class="blog-img" style="padding-top:75%">
1294          	<a href="https://www.deepfutureanalytics.com/en/blog/instabilities-using-cox-proportional-hazards-models-in">
1295          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuredf80923080a1c61915f20c5341a4fe61.png" alt="Instabilities Using Cox Proportional Hazards Models in Credit Risk">
1296          	</a>
1297        </div>
1298        <div class="blog-content">
1299            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/instabilities-using-cox-proportional-hazards-models-in" class="link-product-name">Instabilities Using Cox Proportional Hazards Models in Credit Risk</a></h2>
1300            <h4 class="post-short-description">When the underlying system or process that is being observed is based upon observations versus
1301age, vintage (origination time) and calendar time, Cox proportional hazards models can exhibit
1302instabilities because of embedded assumptions.</h4>
1303            <div class="blog-list-date">2025-07-25 12:00:00</div>
1304        </div>
1305    </div>
1306</div>                            </li>
1307                            
1308                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1309
1310                                <div class="blog-items">
1311    <div class="blog-thumb">
1312        <div class="blog-img" style="padding-top:75%">
1313          	<a href="https://www.deepfutureanalytics.com/en/blog/macroeconomic-adverse-selection-in-machine-learning-mod">
1314          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300" alt="Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk">
1315          	</a>
1316        </div>
1317        <div class="blog-content">
1318            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/macroeconomic-adverse-selection-in-machine-learning-mod" class="link-product-name">Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk</a></h2>
1319            <h4 class="post-short-description">Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk</h4>
1320            <div class="blog-list-date">2025-07-25 12:00:00</div>
1321        </div>
1322    </div>
1323</div>                            </li>
1324                            
1325                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1326
1327                                <div class="blog-items">
1328    <div class="blog-thumb">
1329        <div class="blog-img" style="padding-top:75%">
1330          	<a href="https://www.deepfutureanalytics.com/en/blog/scoring-ai-generated-policy-recommendations-with-risk">
1331          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature4f50ff9e94fa365681511b53bdf67ab3.png" alt="Scoring AI‐generated policy recommendations with Risk‐Adjusted Gain in Net Present Happiness">
1332          	</a>
1333        </div>
1334        <div class="blog-content">
1335            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/scoring-ai-generated-policy-recommendations-with-risk" class="link-product-name">Scoring AI‐generated policy recommendations with Risk‐Adjusted Gain in Net Present Happiness</a></h2>
1336            <h4 class="post-short-description">Scoring AI‐generated policy recommendations with Risk‐Adjusted
1337Gain in Net Present Happiness</h4>
1338            <div class="blog-list-date">2025-07-25 12:00:00</div>
1339        </div>
1340    </div>
1341</div>                            </li>
1342                            
1343                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1344
1345                                <div class="blog-items">
1346    <div class="blog-thumb">
1347        <div class="blog-img" style="padding-top:75%">
1348          	<a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment">
1349          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7be2454b2296da87a110ebd8f8291725.png" alt="Impacts of Drought on Loan Repayment">
1350          	</a>
1351        </div>
1352        <div class="blog-content">
1353            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment" class="link-product-name">Impacts of Drought on Loan Repayment</a></h2>
1354            <h4 class="post-short-description">In order to stress test loan portfolios for the impacts of climate change, historical events need to be analyzed to create templates to stress test for future events. Using the 2012 Midwestern US drought as an example, this work creates a stress-testing template for future droughts. The analysis connects weather and crop yield data to impacts on local macroeconomic conditions by comparing drought-impacted agricultural counties with nearby urban counties. After measuring the net macroeconomic impacts of the drought, this was used as an overlay with existing macroeconomic stress models to stress test a lender in a different part of the US for possible drought impacts. Having a library of such climate events would allow lenders to stress test their portfolios for a wide range of possible impacts.</h4>
1355            <div class="blog-list-date">2025-07-23 12:00:00</div>
1356        </div>
1357    </div>
1358</div>                            </li>
1359                            
1360                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1361
1362                                <div class="blog-items">
1363    <div class="blog-thumb">
1364        <div class="blog-img" style="padding-top:75%">
1365          	<a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise">
1366          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature670a43d1f8c4b874506dceeaaccdcf9d.png" alt="Solving the Long-R
1366ange Forecasting Problem in Supervised Learning">
1367          	</a>
1368        </div>
1369        <div class="blog-content">
1370            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise" class="link-product-name">Solving the Long-Range Forecasting Problem in Supervised Learning</a></h2>
1371            <h4 class="post-short-description">In a world where big data is everywhere, no one has big data relative to the economic cycle. Data  volume needs to be thought of along two dimensions.</h4>
1372            <div class="blog-list-date">2025-08-10 12:00:00</div>
1373        </div>
1374    </div>
1375</div>                            </li>
1376                            
1377                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1378
1379                                <div class="blog-items">
1380    <div class="blog-thumb">
1381        <div class="blog-img" style="padding-top:75%">
1382          	<a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design">
1383          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8c49cc442f88e58de55bf1b9fefc4b84.png" alt="Creating Unbiased Machine Learning Models by Design">
1384          	</a>
1385        </div>
1386        <div class="blog-content">
1387            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design" class="link-product-name">Creating Unbiased Machine Learning Models by Design</a></h2>
1388            <h4 class="post-short-description">Unintended bias against protected groups has become a key obstacle to the widespread adoption of machine learning methods.</h4>
1389            <div class="blog-list-date">2025-08-10 12:00:00</div>
1390        </div>
1391    </div>
1392</div>                            </li>
1393                            
1394                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1395
1396                                <div class="blog-items">
1397    <div class="blog-thumb">
1398        <div class="blog-img" style="padding-top:75%">
1399          	<a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk">
1400          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featured6524fa00f5a562065f6b72592284b4d.png" alt="A survey of machine learning in credit risk">
1401          	</a>
1402        </div>
1403        <div class="blog-content">
1404            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk" class="link-product-name">A survey of machine learning in credit risk</a></h2>
1405            <h4 class="post-short-description">Machine learning algorithms have come to dominate several industries. After
1406
1407decades of resistance from examiners and auditors, machine learning is now mov-
1408ing from the research desk to the application stack for credit scoring and a range
1409
1410of other applications in credit risk.</h4>
1411            <div class="blog-list-date">2025-07-25 12:00:00</div>
1412        </div>
1413    </div>
1414</div>                            </li>
1415                            
1416                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1417
1418                                <div class="blog-items">
1419    <div class="blog-thumb">
1420        <div class="blog-img" style="padding-top:75%">
1421          	<a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society">
1422          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8e8a1801ea883e5257f2ef981d79332d.png" alt="Journal of the Operational Research Society">
1423          	</a>
1424        </div>
1425        <div class="blog-content">
1426            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society" class="link-product-name">Journal of the Operational Research Society</a></h2>
1427            <h4 class="post-short-description">The new accounting standards of CECL for the US and IFRS 9 elsewhere require predictions
1428of lifetime losses for loans. The use of roll rates, state transition and “vintage” models has
1429been proposed and indeed are used by practitioners. The first two methods are relatively
1430more accurate for predictions of up to one year, because they include lagged delinquency
1431
1432as a predictor, whereas “vintage” models are more accurate for predictions for longer peri-
1433ods, but not short periods because they omit delinquency as a predictor variable. In this
1434
1435paper we propose the use of survival models that include lagged delinquency as a covariate
1436and show, using a large sample of 30 year mortgages, that the proposed method is more
1437accurate than any of the other three methods for both short-term and long-term predictions
1438of the probability of delinquency. We experiment extensively to find the appropriate lagging
1439structure for the delinquency term. The results provide a new method to make lifetime loss
1440predictions, as required by CECL and IFRS 9 Stage 2.</h4>
1441            <div class="blog-list-date">2025-09-03 12:00:00</div>
1442        </div>
1443    </div>
1444</div>                            </li>
1445                            
1446                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1447
1448                                <div class="blog-items">
1449    <div class="blog-thumb">
1450        <div class="blog-img" style="padding-top:75%">
1451          	<a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers">
1452          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuree6e62216684fd6c523e3a9acfe5dc5f9.png" alt="A Theory of Borrowers">
1453          	</a>
1454        </div>
1455        <div class="blog-content">
1456            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers" class="link-product-name">A Theory of Borrowers</a></h2>
1457            <h4 class="post-short-description">Credit Risk, Adverse Selection, Age-Period-Cohort
1458Models</h4>
1459            <div class="blog-list-date">2025-09-03 12:00:00</div>
1460        </div>
1461    </div>
1462</div>                            </li>
1463                            
1464                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1465
1466                                <div class="blog-items">
1467    <div class="blog-thumb">
1468        <div class="blog-img" style="padding-top:75%">
1469          	<a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management">
1470          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature3b55ad1b66ce0ca2113d198aa6d14c18.png" alt="Effective Generative AI Model Risk Management">
1471          	</a>
1472        </div>
1473        <div class="blog-content">
1474            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management" class="link-product-name">Effective Generative AI Model Risk Management</a></h2>
1475            <h4 class="post-short-description">Effective Generative AI Model Risk Management</h4>
1476            <div class="blog-list-date">2025-09-03 12:00:00</div>
1477        </div>
1478    </div>
1479</div>                            </li>
1480                            
1481                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1482
1483                                <div class="blog-items">
1484    <div class="blog-thumb">
1485        <div class="blog-img" style="padding-top:75%">
1486          	<a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating">
1487          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featurebfda4a1a0079ae2c36513f41f40e4722.png" alt="Classical and quantum computing methods for estimating loan-level risk distributions">
1488          	</a>
1489        </div>
1490        <div class="blog-content">
1491            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating" class="link-product-name">Classical and quantum computing methods for estimating loan-level risk distributions</a></h2>
1492            <h4 class="post-short-description">Classical and quantum computing methods for estimating loan-level risk distributions</h4>
1493            <div class="blog-list-date">2025-09-05 12:00:00</div>
1494        </div>
1495    </div>
1496</div>                            </li>
1497                            
1498                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1499
1500                                <div class="blog-items">
1501    <div class="blog-thumb">
1502        <div class="blog-img" style="padding-top:75%">
1503          	<a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh">
1504          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7fd7155d13cafc8cc42afab55f24b623.png" alt="Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing">
1505          	</a>
1506        </div>
1507        <div class="blog-content">
1508            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh" class="link-product-name">Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing</a></h2>
1509            <h4 class="post-short-description">Machine learning models have been used extensively for credit scoring,
1510but the architectures employed su
1511
1512er from a significant loss in accuracy
1513out-of-sample and out-of-time. Further, the most common architectures do
1514not e
1515ectively integrate economic scenarios to enable stress testing, cash flow,
1516or yield estimation. The present research demonstrates that providing lifecycle
1517and environment functions from Age-Period-Cohort analysis can significantly
1518improve out-of-sample and out-of-time performance as well as enabling the
1519model’s use in both scoring and stress testing applications. This method is
1520demonstrated for behavior scoring where account delinquency is one of the
1521provided inputs, because behavior scoring has historically presented the most
1522diculties for combining credit scoring and stress testing. Our method works
1523well in both origination and behavior scoring. The results are also compared to
1524multihorizon survival models, which share the same architectural design with
1525Age-Period-Cohort inputs and coecients that vary with forecast horizon, but
1526using a logistic regression estimation of the model. The analysis was performed
1527on 30-year prime conforming US mortgage data. Nonlinear problems involving
1528large amounts of alternate data are best at highlighting the advantages of machine
1529learning. Data from Fannie Mae and Freddie Mac is not such a test case, but it serves
1530the purpose of comparing these methods with and without Age-Period-Cohort
1531inputs. In order to make a fair comparison, all models are given a panel structure
1532where each account is observed monthly to determine default or non-default.</h4>
1533            <div class="blog-list-date">2025-09-08 12:00:00</div>
1534        </div>
1535    </div>
1536</div>                            </li>
1537                            
1538                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1539
1540                                <div class="blog-items">
1541    <div class="blog-thumb">
1542        <div class="blog-img" style="padding-top:75%">
1543          	<a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a">
1544          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuredd9523f8758bb7b078b0753e34e375d8.png" alt="An Age–Period–Cohort Framework for Profit and Profit Volatility Modeling">
1545          	</a>
1546        </div>
1547        <div class="blog-content">
1548            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a" class="link-product-name">An Age–Period–Cohort Framework for Profit and Profit Volatility Modeling</a></h2>
1549            <h4 class="post-short-description">The greatest source of failure in portfolio analytics is not individual models that perform
1550poorly, but rather an inability to integrate models quantitatively across management functions. The
1551separable components of age–period–cohort models provide a framework for integrated credit risk
1552modeling across an organization. Using a panel data structure, credit risk scores can be integrated
1553with an APC framework using either logistic regression or machine learning. Such APC scores for
1554default, payoff, and other key rates fit naturally into forward-looking cash flow estimates. Given
1555an economic scenario, every applicant at the time of origination can be assigned profit and profit
1556volatility estimates so that underwriting can truly be account-level. This process optimizes the most
1557fallible part of underwriting, which is setting cutoff scores and assigning loan pricing and terms.
1558This article provides a summary of applications of APC models across portfolio management roles,
1559with a description of how to create the models to be directly integrated. As a consequence, cash
1560flow calculations are available for each account, and cutoff scores can be set directly from portfolio
1561financial targets.</h4>
1562            <div class="blog-list-date">2025-09-08 12:00:00</div>
1563        </div>
1564    </div>
1565</div>                            </li>
1566                            
1567                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1568
1569                                <div class="blog-items">
1570    <div class="blog-thumb">
1571        <div class="blog-img" style="padding-top:75%">
1572          	<a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2">
1573          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature6ab8b8014b022c884536a03c9569e175.png" alt="The evolution of goals in AI agents">
1574          	</a>
1575        </div>
1576        <div class="blog-content">
1577            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2" class="link-product-name">The evolution of goals in AI agents</a></h2>
1578            <h4 class="post-short-description">Forced evolution has been proposed as a possible path to developing artificial general intelligence. For practical reasons,
1579self-replicating robots are being proposed for missions where direct manufacture could be prohibitive or as a cost-effective
1580means to maintain a stable working population of robots. If self-replication occurs in a harsh (i.e. selective) environment,
1581the forces of evolution may distort the originally programmed objectives. Via millions of simulations of AI agents with
1582
1583nematode-level neural networks, this research explores the consequences of allowing replication in a hostile and competi-
1584tive environment. As the selection pressures are tuned, the evolution of their neural networks and corresponding behav-
1585ioral changes are tracked. As a consequence of these simulations, agents with multi-layer neural networks trained simply
1586
1587to retrieve resources, consume needed resources, and evade obstacles evolve behaviors that look like evasion of hostile
1588overseers, the intended murder of enemies, and cannibalism of other agents. These simulations are intended to directly
1589address safety concerns around creating self-replicating AI agents or robots. As designers, if we allow replication under
1590selection pressure, regardless of initial designs, we risk allowing the emergence of unintended strategies. One solution to
1591preventing evolution could be to enable AI agents with continuous backup– immortality.</h4>
1592            <div class="blog-list-date">2025-09-08 12:00:00</div>
1593        </div>
1594    </div>
1595</div>                            </li>
1596                            
1597                                <li class="item-box" style="padding-left: 12px; padding-right: 12px;">
1598
1599                                <div class="blog-items">
1600    <div class="blog-thumb">
1601        <div class="blog-img" style="padding-top:75%">
1602          	<a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition">
1603          		<img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featureec16eb322f3717d92804102831f0e52e.png" alt="Economic Benefits of Score Market Competition">
1604          	</a>
1605        </div>
1606        <div class="blog-content">
1607            <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition" class="link-product-name">Economic Benefits of Score Market Competition for Conforming Mortgages</a></h2>
1608            <h4 class="post-short-description">This study evaluates the economic consequences of that competitive shift, specifically focusing on the impact to credit score costs that are ultimately borne by mortgage borrowers.</h4>
1609            <div class="blog-list-date">2026-09-01 12:00:00</div>
1610        </div>
1611    </div>
1612</div>                            </li>
1613                                                    
1614                       
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1654<div class="title-social">FOLLOW US</div>
1655<div class="icon-social-group">
1656<a href="https://www.linkedin.com/in/josephlbreeden/recent-activity/articles/" target="_blank"><img class="img-fluid" src="/files/media/Media0960ca8c37340d137050002653dc228e.png" alt="in"></a>
1657</div>
1658</div>
1659</div>
1660<div class="col-12 col-md-6 contact-two text-white">
1661<style type="text/css">
1662    .col-md- { padding-left:15px; 
1663               padding-right:15px;
1664            }
1665</style>
1666
1667<form action="https://www.deepfutureanalytics.com/en/sendContactEmail" method="post" enctype="multipart/form-data" class="formone-size contactus" id="contactusform">
1668    <input type="hidden" name="_token" value="i3S1MqMLbL4UgThO64FQOhG8n3o8GBvgEVjxp0Wa">   
1669                    <div class="row">
1670                                                <div class="form-group col-md-"  style="width:100%">
1671                        <div class="form-row-inner">
1672                            <label>Name <i class="red">*</i></label>
1673                            <div class="select_country"  >
1674                              
1675    						                                  <input class="" type="text" 
1676                                     name="form_contact_name" 
1677                                     id="form_contact_name" 
1678    								 value="" 
1679                                     placeholder=""
1680                                     data-placeholder=""
1681                                     required='required'                              >
1682							                              </div>
1683						  <p class="error error-msg" data-error="form_contact_name"></p>   
1684						                          </div>
1685                    </div>
1686                                                                                                
1687                                                <div class="form-group col-md-"  style="width:100%">
1688                        <div class="form-row-inner">
1689                            <label>Email <i class="red">*</i></label>
1690                            <div class="select_country"  >
1691                              
1692    						                                  <input class="" type="text" 
1693                                     name="form_email" 
1694                                     id="form_email" 
1695    								 value="" 
1696                                     placeholder=""
1697                                     data-placeholder=""
1698                                     required='required'                              >
1699							                              </div>
1700						  <p class="error error-msg" data-error="form_email"></p>   
1701						                          </div>
1702                    </div>
1703                                                                                                
1704                                                                                <div class="form-group col-md-"  style="width:100%">
1705                        <div class="form-row-inner">
1706                          <label>Message </label>
1707                          <textarea class="form-elements"
1708                                 name="form_description" 
1709                                 id="form_description"
1710                                placeholder="" 
1711                                data-placeholder="" 
1712                                                           ></textarea>
1713						  <p class="error error-msg" data-error="form_description"></p>
1714						                          </div>
1715                    </div>
1716                                                                
1717                                                                                                                <div class="form-group col-md-12">
1718                      <!-- <label>Captcha</label> -->
1719                      <!-- Google reCAPTCHA box -->
1720                      <!--<div class="g-recaptcha" data-sitekey=""></div>-->
1721                      <div class="g-recaptcha" data-sitekey="6LfsuRsrAAAAAGUTnYD0lZcumZiuNDibGVJ2HKwu"></div>
1722                    </div>
1723                                
1724                        </div>
1725        		        <div class="form-group contactbtn">                    
1726            <button id="contactussubmit" type="submit" name="submit" value="submit" class="btn btn-primary">Submit</button>
1727        </div>
1728</form>
vendor: 109 bytes, lines 1728-1729
1728
1729<script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script>
vendor: 76 bytes, line 1729
1729<script src="https://www.google.com/recaptcha/api.js" async defer></script>
1730<link rel="stylesheet" type="text/css" href="https://www.deepfutureanalytics.com/css/intlTelInput.css" />
1731<script src="https://www.deepfutureanalytics.com/js/intlTelInput.js"></script>
vendor: 1 bytes, line 1731
1731
1732<script type="text/javascript">
1733    var MOBILE_NUM_LIMIT = "10";       
1734    var cList = '<option isd_code="93"  short_code="AF" value="2" >Afghanistan</option><option isd_code="213"  short_code="DZ" value="4" >Algeria</option><option isd_code="1684"  short_code="AS" value="5" >American Samoa</option><option isd_code="376"  short_code="AD" value="6" >Andorra</option><option isd_code="244"  short_code="AO" value="7" >Angola</option><option isd_code="1264"  short_code="AI" value="8" >Anguilla</option><option isd_code="672"  short_code="AQ" value="9" >Antarctica</option><option isd_code="1268"  short_code="AG" value="10" >Antigua and Barbuda</option><option isd_code="54"  short_code="AR" value="11" >Argentina</option><option isd_code="374"  short_code="AM" value="12" >Armenia</option><option isd_code="297"  short_code="AW" value="13" >Aruba</option><option isd_code="61"  short_code="AU" value="14" >Australia</option><option isd_code="43"  short_code="AT" value="15" >Austria</option><option isd_code="994"  short_code="AZ" value="16" >Azerbaijan</option><option isd_code="1242"  short_code="BS" value="17" >Bahamas</option><option isd_code="973"  short_code="BH" value="18" >Bahrain</option><option isd_code="880"  short_code="BD" value="19" >Bangladesh</option><option isd_code="1246"  short_code="BB" value="20" >Barbados</option><option isd_code="375"  short_code="BY" value="21" >Belarus</option><option isd_code="32"  short_code="BE" value="22" >Belgium</option><option isd_code="501"  short_code="BZ" value="23" >Belize</option><option isd_code="229"  short_code="BJ" value="24" >Benin</option><option isd_code="1441"  short_code="BM" value="25" >Bermuda</option><option isd_code="975"  short_code="BT" value="26" >Bhutan</option><option isd_code="591"  short_code="BO" value="27" >Bolivia</option><option isd_code="387"  short_code="BA" value="28" >Bosnia and Herzegovina</option><option isd_code="267"  short_code="BW" value="29" >Botswana</option><option isd_code="55"  short_code="BR" value="30" >Brazil</option><option isd_code="1284"  short_code="VG" value="31" >British Virgin Islands</option><option isd_code="673"  short_code="BN" value="32" >Brunei</option><option isd_code="359"  short_code="BG" value="33" >Bulgaria</option><option isd_code="226"  short_code="BF" value="34" >Burkina Faso</option><option isd_code="257"  short_code="BI" value="36" >Burundi</option><option isd_code="855"  short_code="KH" value="37" >Cambodia</option><option isd_code="237"  short_code="CM" value="38" >Cameroon</option><option isd_code="1"  short_code="CA" value="39" >Canada</option><option isd_code="238"  short_code="CV" value="40" >Cape Verde</option><option isd_code="1345"  short_code="KY" value="41" >Cayman Islands</option><option isd_code="236"  short_code="CF" value="42" >Central African Republic</option><option isd_code="235"  short_code="TD" value="43" >Chad</option><option isd_code="56"  short_code="CL" value="44" >Chile</option><option isd_code="86"  short_code="CN" value="45" >China</option><option isd_code="57"  short_code="CO" value="46" >Colombia</option><option isd_code="269"  short_code="KM" value="47" >Comoros</option><option isd_code="682"  short_code="CK" value="48" >Cook Islands</option><option isd_code="385"  short_code="HR" value="50" >Croatia</option><option isd_code="53"  short_code="CU" value="51" >Cuba</option><option isd_code="357"  short_code="CY" value="52" >Cyprus</option><option isd_code="420"  short_code="CZ" value="53" >Czech Republic</option><option isd_code="243"  short_code="CD" value="54" >Democratic Republic of the Congo</option><option isd_code="45"  short_code="DK" value="55" >Denmark</option><option isd_code="253"  short_code="DJ" value="56" >Djibouti</option><option isd_code="1767"  short_code="DM" value="57" >Dominica</option><option isd_code="1809"  short_code="DO" value="58" >Dominican Republic</option><option isd_code="593"  short_code="EC" value="59" >Ecuador</option><option isd_code="20"  short_code="EG" value="60" >Egypt</option><option isd_code="503"  short_code="SV" value="61" >El Salvador</option><option isd_code="240"  short_code="GQ" value="62" >Equatorial Guinea</option><option isd_code="291"  short_code="ER" value="63" >Eritrea</option><option isd_code="372"  short_code="EE" value="64" >Estonia</option><option isd_code="251"  short_code="ET" value="65" >Ethiopia</option><option isd_code="298"  short_code="FO" value="66" >Faroe Islands</option><option isd_code="679"  short_code="FJ" value="67" >Fiji</option><option isd_code="358"  short_code="FI" value="68" >Finland</option><option isd_code="33"  short_code="FR" value="69" >France</option><option isd_code="689"  short_code="PF" value="70" >French Polynesia</option><option isd_code="241"  short_code="GA" value="71" >Gabon</option><option isd_code="220"  short_code="GM" value="72" >Gambia</option><option isd_code="995"  short_code="GE" value="73" >Georgia</option><option isd_code="49"  short_code="DE" value="74" >Germany</option><option isd_code="223"  short_code="GH" value="75" >Ghana</option><option isd_code="350"  short_code="GI" value="76" >Gibraltar</option><option isd_code="30"  short_code="GR" value="77" >Greece</option><option isd_code="299"  short_code="GL" value="78" >Greenland</option><option isd_code="1473"  short_code="GD" value="79" >Grenada</option><option isd_code="1671"  short_code="GU" value="80" >Guam</option><option isd_code="502"  short_code="GT" value="81" >Guatemala</option><option isd_code="224"  short_code="GN" value="82" >Guinea</option><option isd_code="245"  short_code="GW" value="83" >Guinea-Bissau</option><option isd_code="592"  short_code="GY" value="84" >Guyana</option><option isd_code="509"  short_code="HT" value="85" >Haiti</option><option isd_code="504"  short_code="HN" value="87" >Honduras</option><option isd_code="852"  short_code="HK" value="88" >Hong Kong</option><option isd_code="36"  short_code="HU" value="89" >Hungary</option><option isd_code="354"  short_code="IS	" value="90" >Iceland</option><option isd_code="91"  short_code="IN" value="91" >India</option><option isd_code="62"  short_code="ID" value="92" >Indonesia</option><option isd_code="98"  short_code="IR" value="93" >Iran</option><option isd_code="964"  short_code="IQ" value="94" >Iraq</option><option isd_code="44"  short_code="IM" value="95" >Isle of Man</option><option isd_code="972"  short_code="IL" value="96" >Israel</option><option isd_code="39"  short_code="IT" value="97" >Italy</option><option isd_code="225"  short_code="CI" value="98" >
1734Ivory Coast</option><option isd_code="1876"  short_code="JM" value="99" >Jamaica</option><option isd_code="81"  short_code="JP" value="100" >Japan</option><option isd_code="44"  short_code="JE" value="101" >Jersey</option><option isd_code="962"  short_code="JO" value="102" >Jordan</option><option isd_code="7"  short_code="KZ" value="103" >Kazakhstan</option><option isd_code="254"  short_code="KE" value="104" >Kenya</option><option isd_code="686"  short_code="KI" value="105" >Kiribati</option><option isd_code="381"  short_code="-" value="106" >Kosovo</option><option isd_code="965"  short_code="KW" value="107" >Kuwait</option><option isd_code="996"  short_code="KG" value="108" >Kyrgyzstan</option><option isd_code="865"  short_code="LA" value="109" >Laos</option><option isd_code="371"  short_code="LV" value="110" >Latvia</option><option isd_code="961"  short_code="LB" value="111" >Lebanon</option><option isd_code="266"  short_code="LSO" value="112" >Lesotho</option><option isd_code="231"  short_code="LR" value="113" >Liberia</option><option isd_code="218"  short_code="LY" value="114" >Libya</option><option isd_code="218"  short_code="LI" value="115" >Liechtenstein</option><option isd_code="370"  short_code="LT" value="116" >Lithuania</option><option isd_code="352"  short_code="LU" value="117" >Luxembourg</option><option isd_code="853"  short_code="MO" value="118" >Macau</option><option isd_code="261"  short_code="MG" value="119" >Macedonia</option><option isd_code="265"  short_code="MW" value="120" >Malawi</option><option isd_code="60"  short_code="MY" value="121" >Malaysia</option><option isd_code="960"  short_code="MV" value="122" >Maldives</option><option isd_code="223"  short_code="ML" value="123" >Mali</option><option isd_code="356"  short_code="MT" value="124" >Malta</option><option isd_code="692"  short_code="MH" value="125" >Marshall Islands</option><option isd_code="262"  short_code="YT" value="126" >Mayotte</option><option isd_code="52"  short_code="MX" value="127" >Mexico</option><option isd_code="691"  short_code="FM" value="128" >Micronesia</option><option isd_code="373"  short_code="MD" value="129" >Moldova</option><option isd_code="377"  short_code="MC" value="130" >Monaco</option><option isd_code="976"  short_code="MN" value="131" >Mongolia</option><option isd_code="382"  short_code="ME" value="132" >Montenegro</option><option isd_code="1664"  short_code="MS" value="133" >Montserrat</option><option isd_code="258"  short_code="MZ" value="134" >Mozambique</option><option isd_code="95"  short_code="MM" value="35" >Myanmar</option><option isd_code="264"  short_code="NA" value="135" >Namibia</option><option isd_code="674"  short_code="NR" value="136" >Nauru</option><option isd_code="977"  short_code="NP" value="137" >Nepal</option><option isd_code="31"  short_code="NL" value="138" >Netherlands</option><option isd_code="687"  short_code="-" value="139" >Netherlands Antilles</option><option isd_code="64"  short_code="NZ" value="140" >New Zealand</option><option isd_code="505"  short_code="NI" value="141" >Nicaragua</option><option isd_code="227"  short_code="NE" value="142" >Niger</option><option isd_code="234"  short_code="NG" value="143" >Nigeria</option><option isd_code="47"  short_code="NO" value="146" >Norway</option><option isd_code="968"  short_code="OM" value="147" >Oman</option><option isd_code="92"  short_code="PK" value="148" >Pakistan</option><option isd_code="507"  short_code="PA" value="149" >Palau</option><option isd_code="675"  short_code="PG" value="150" >Papua New Guinea</option><option isd_code="595"  short_code="PY" value="151" >Paraguay</option><option isd_code="51"  short_code="PE" value="152" >Peru</option><option isd_code="63"  short_code="PH" value="153" >Philippines</option><option isd_code="48"  short_code="PL" value="156" >Poland</option><option isd_code="351"  short_code="PT" value="157" >Portugal</option><option isd_code="1"  short_code="PR" value="155" >Puerto Rico</option><option isd_code="974"  short_code="QA" value="158" >Qatar</option><option isd_code="242"  short_code="CG" value="159" >Republic of the Congo</option><option isd_code="40"  short_code="RO" value="160" >Romania</option><option isd_code="7"  short_code="RU" value="161" >Russia</option><option isd_code="250"  short_code="RW" value="162" >Rwanda</option><option isd_code="1758"  short_code="LC" value="166" >Saint Lucia</option><option isd_code="1784"  short_code="VC" value="168" >Saint Vincent and the Grenadines</option><option isd_code="685"  short_code="WS" value="169" >Samoa</option><option isd_code="378"  short_code="SM" value="170" >San Marino</option><option isd_code="239"  short_code="ST" value="171" >Sao Tome and Principe</option><option isd_code="966"  short_code="SA" value="172" >Saudi Arabia</option><option isd_code="221"  short_code="SN" value="173" >Senegal</option><option isd_code="381"  short_code="RS" value="174" >Serbia</option><option isd_code="248"  short_code="SC" value="175" >Seychelles</option><option isd_code="232"  short_code="SL" value="176" >Sierra Leone</option><option isd_code="65"  short_code="SG" value="177" >Singapore</option><option isd_code="421"  short_code="SK" value="178" >Slovakia</option><option isd_code="386"  short_code="SI" value="179" >Slovenia</option>
1734<option isd_code="677"  short_code="SB" value="180" >Solomon Islands</option><option isd_code="252"  short_code="SO" value="181" >Somalia</option><option isd_code="27"  short_code="ZA" value="182" >South Africa</option><option isd_code="82"  short_code="KR" value="183" >South Korea</option><option isd_code="34"  short_code="ES" value="184" >Spain</option><option isd_code="94"  short_code="LK" value="185" >Sri Lanka</option><option isd_code="249"  short_code="SD" value="186" >Sudan</option><option isd_code="597"  short_code="SR" value="187" >Suriname</option><option isd_code="268"  short_code="SZ" value="188" >Swaziland</option><option isd_code="46"  short_code="SE" value="189" >Sweden</option><option isd_code="41"  short_code="CH" value="190" >Switzerland</option><option isd_code="963"  short_code="SY" value="191" >Syria</option><option isd_code="886"  short_code="TW" value="192" >Taiwan</option><option isd_code="992"  short_code="TJ" value="193" >Tajikistan</option><option isd_code="255"  short_code="TZ" value="194" >Tanzania</option><option isd_code="66"  short_code="TH" value="1" >Thailand</option><option isd_code="670"  short_code="TL" value="195" >Timor-Leste</option><option isd_code="228"  short_code="TG" value="196" >Togo</option><option isd_code="676"  short_code="TO" value="197" >Tonga</option><option isd_code="1868"  short_code="TT" value="198" >Trinidad and Tobago</option><option isd_code="216"  short_code="TN" value="199" >Tunisia</option><option isd_code="90"  short_code="TR" value="200" >Turkey</option><option isd_code="1649"  short_code="TC" value="201" >Turkmenistan</option><option isd_code="688"  short_code="TV" value="202" >Tuvalu</option><option isd_code="256"  short_code="UG" value="203" >Uganda</option><option isd_code="380"  short_code="UA" value="204" >Ukraine</option><option isd_code="971"  short_code="AE" value="205" >United Arab Emirates</option><option isd_code="44"  short_code="GB" value="206" >United Kingdom</option><option isd_code="1"  short_code="US" value="207" >United States</option><option isd_code="598"  short_code="UY" value="208" >Uruguay</option><option isd_code="1340"  short_code="VI" value="209" >US Virgin Islands</option><option isd_code="998"  short_code="UZ" value="210" >Uzbekistan</option><option isd_code="678"  short_code="VU" value="211" >Vanuatu</option><option isd_code="39"  short_code="VA" value="86" >Vatican City</option><option isd_code="58"  short_code="VE" value="212" >Venezuela</option><option isd_code="84"  short_code="VN" value="213" >Vietnam</option><option isd_code="212"  short_code="EH" value="215" >Western Sahara</option><option isd_code="967"  short_code="YE" value="214" >Yemen</option><option isd_code="260"  short_code="ZM" value="216" >Zambia</option><option isd_code="263"  short_code="ZW" value="217" >Zimbabwe</option>';
1735	var isPhoneRequired=false;
1736																								
1737    			
1738    jQuery(document).ready(function(){
1739        // Initialize your form elements
1740        $('body').on('click',"#contactussubmit",function(e){ 		
1741            e.preventDefault();
1742			var formAction = $(this).closest('form').attr('action');
1743			var formId = $(this).closest('form').attr('id');
1744			var formMethod = $(this).closest('form').attr('method');
1745			var _this = $(this);
1746            var formData = new FormData($("#"+formId)[0]);
1747            
1748            // Clear previous errors
1749            $('.error-msg').html('');
1750            _this.prop('disabled',true);
1751            
1752            $.ajax({
1753                url: formAction,
1754                type: "POST",
1755                data: formData,
1756                cache: false,
1757                contentType: false,
1758                processData: false,
1759				beforeSend:function(){
1760                    showHideLoader('showLoader');
1761                },
1762                success: function(response){
1763                    //$('#successMsg').show();
1764                    //$('#successText').text(response.message);
1765					_toastrMessage('success', response.message);
1766                    $('#contactusform')[0].reset();
1767                    
1768                    /*setTimeout(function(){
1769                        window.location.href = "";
1770                    }, 2000);*/
1771
1772					_this.prop('disabled',false);
1773					showHideLoader('hideLoader');
1774					return false;
1775                },
1776                error: function(xhr){
1777                    if(xhr.status === 422) {
1778                        var errors = xhr.responseJSON.errors;
1779						var first_key = '';
1780                        $.each(errors, function(key, value){
1781                            $('[data-error="' + key + '"]').html(value[0]);
1782							if(first_key == ''){
1783                               first_key = key;
1784							}
1785                        });
1786                        $('.error-msg').show();
1787						$('html, body').animate({
1788							scrollTop: $('[name="' + first_key + '"]').offset().top - 50
1789						}, 500);
1790
1791                    } else {
1792                        $('.error-msg').show();
1793                        $('#errorText').text('An error occurred. Please try again.');
1794                    }
1795					showHideLoader('hideLoader');
1796					_this.prop('disabled',false);
1797                }
1798            });
1799        });
1800    }); 
1801	
1802	$(function(){
1803        var telInput = document.querySelector("#phone");
1804        window.intlTelInput(telInput, {
1805        nationalMode: false,
1806        separateDialCode: true,
1807        formatOnDisplay:true,
1808        hiddenInput: 'isd_code_val',
1809        preferredCountries: ["th"],
1810        // utilsScript: "https://cdnjs.cloudflare.com/ajax/libs/intl-tel-input/12.1.6/js/utils.js"
1811      });
1812
1813        jQuery('body').on('click','.iti__country-list li', function(){
1814            var countryCode = $(".iti__country[class*='iti__active']").attr("data-dial-code");
1815            $("input[name='isd_code']").val(countryCode);
1816        });
1817
1818        var countryCode = $(".isd_code").val();
1819        $(".iti__selected-dial-code").text(countryCode);
1820
1821        //set min val in mobile number 
1822        if(typeof MOBILE_NUM_LIMIT!="undefined"){
1823            $('input[name="form_phone"]').attr('maxlength', MOBILE_NUM_LIMIT);
1824        }else{
1825            $('input[name="form_phone"]').attr('maxlength', 10);
1826        }
1827
1828        telInput.addEventListener("countrychange", function() {
1829            cList.map(function(o){
1830                console.log(o);
1831                return $(this).attr('short_code') == iti.getSelectedCountryData().iso2.toUpperCase();
1832            }).prop('selected', true).trigger('change');
1833        });
1834
1835        $(document).on('blur', 'input[name="form_phone"]', function(){
1836            if(isPhoneRequired==true)
1837			{
1838				var form_elm_data = new FormData($("#contactusform")[0]);
1839				$.ajax({
1840					url : "https://www.deepfutureanalytics.com/en/validatePhoneNumberWithCountry",
1841					type : 'POST',					
1842					data:form_elm_data,
1843					processData: false,
1844					contentType: false,
1845					success:function(result){
1846						var response = jQuery.parseJSON(result); 
1847						
1848						//$(this).removeClass('error error-msg');
1849						//$('data-error').text('');
1850						$('[data-error="form_phone"]').text('');
1851						
1852						if(response.success==false){
1853							$.each(response.message, function(key,val){
1854								//$(this).addClass('error error-msg');
1855								$('[data-error="form_phone"]').text(val);
1856							});
1857						}
1858					},
1859				});
1860			}
1861        });
1862
1863        $('#contactusform input, #contactusform textarea').on('focus', function() {
1864			$(this).attr('data-placeholder', $(this).attr('placeholder')); // store
1865			$(this).attr('placeholder', ''); // remove
1866		}).on('blur', function() {
1867			$(this).attr('placeholder', $(this).attr('data-placeholder')); // restore if needed
1868		});
1869        
1870    });
1871	
1872
1873</script>
1873
1874</div>
1875</div>
1876</div></div>
1877                                            </div>
1878                                        
1879                                                                                                        
1880                                                                                <div  class="fullwidth">                                            	
1881      
1882
1883
1884			
1885	                                        </div>
1886                                                                                                   
1887                        </div>
1888                                                                    
1889                </div>
1890                                                                                                                    <div class="fr-view">
1891                                <!-- Footer start here -->
1892
1893<footer class="footer-main footer-set-2" id="footer-set-2">
1894<div class="container">
1895<div class="row">
1896<div class="col-md-3">
1897<div class="footer-logo">
1898<a href="/"><img src="/files/media_manager/12075f8459499dd19b4bc0eed7ccbf39/434-0.88136800%201744861295-froalaeditor.png" alt="logo"></a>
1899<i class="fa-classic fa-solid fa-folder-tree fa-fw"></i>
1900</div>
1901</div>
1902<div class="col-md-3">
1903
1904<ul class="footer-menu-list">
1905<li>
1906<a href="/page/aboutus">About</a>
1907</li>
1908<li>
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1910</li>
1911<li>
1912<a href="/page/consulting">Consulting</a>
1913</li>
1914<li>
1915<a href="/page/publications">Publications</a>
1916</li>
1917</ul>
1918<!--
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1920					<br> Advanced Analytical Models</p>
1921-->
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1924<div class="foot-our-news">
1925<div><a href="/blog/category/blog">OUR NEWS</a></div>
1926
1927<p>Check out our Latest Solution!
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1931<div class="col-md-2">
1932
1933<h3 class="footer-title">Follow us</h3>
1934
1935
1936
1937
1938<ul class="icon-social-group">
1939<li>
1940<a class="s-link" href="https://www.linkedin.com/in/josephlbreeden" target="_blank">
1941<img class="img-fluid" src="/files/media/Media0960ca8c37340d137050002653dc228e.png" alt="in">
1942</a>
1943</li>
1944
1945<!--<li><a class="insta-link" href="#"><span class="insta-icon"></span></a></li>  -->
1946</ul>
1947
1948
1949</div>
1950</div>
1951
1952<div class="copyright">
1953Copyright &copy; 2025 Deep Future Analytics <a href="/page/contact-us">Contact Us</a>
1954</div>
1955</div>
1956</footer>
1957
1958<!-- Footer End here -->
1959                            </div>
1960                                                                                    </div>
1961                       
1962                
1963                
1963<script type="text/javascript" src="https://www.deepfutureanalytics.com/theme/sepmaster/js/auth/d1/v1/login_register.js?ver=1788405089"></script>
1963
1964            
1965            
1965<script type="text/javascript" src="https://www.deepfutureanalytics.com/theme/sepmaster/js/subscriber.js?ver=1788405089"></script>
1965<script type="text/javascript" src="https://www.deepfutureanalytics.com/theme/sepmaster/js/layoutmgt/d1/v1/layoutmgt.js?ver=1788405089"></script>
1965
1966
1967            <!-- add coookie conset if enable form admin -->
1968                        
1969            
1969<script type="text/javascript" src="https://www.deepfutureanalytics.com/theme/sepmaster/js/jquery.lazyload.min.js?ver=1788405089"></script>
1969<script type="text/javascript" src="https://www.deepfutureanalytics.com/theme/sepmaster/js/cookieconsent.min.js?ver=1788405089"></script>
1969
1970            
1970<script type="text/javascript">
1971                //hide page loader after page load
1972                jQuery(window).on("load", function(){
1973                    showHideLoader('hideLoader');
1974                });                              
1975            </script>
1975 
1976                      
1977            <!-- begin page level js -->
1978            
1979    
1979<script>
1980        $(document).ready(function(){
1981        //for open popup
1982        var open_popup = '';
1983        var popup_detail = '';                 
1984        //for open popup ended
1985        document.getElementById("popupshow").innerHTML = popup_detail;
1986        if (open_popup == 'Y') {
1987            //$('#welcomediv').html(popup_detail);
1988            $('#welcomediv').modal('show');
1989            $('#welcomediv').addClass('modal fade');
1990        }
1991    })
1992    </script>
1992
1993            
1994            <!-- end page level js -->  
1995        </div>
1996                                    
1996<script type="text/javascript" src="https://www.deepfutureanalytics.com/theme/sepmaster/js/custom/custom.js?ver=1788405089"></script>
1996
1997                            
1997<script type="text/javascript" src="https://www.deepfutureanalytics.com/js/custom_style.js?ver=1788405089"></script>
1997
1998                            
1998<script>
1999            var cms_tab_data_url = "https://www.deepfutureanalytics.com/en/cms-tab";
2000            var login_url = "https://www.deepfutureanalytics.com/en/login";
2001            var loading_img_url = "https://www.deepfutureanalytics.com/images//loading.gif";
2002            var banner_url = "https://www.deepfutureanalytics.com/files/banner/";
2003            var lang_coming_soon = "product.coming_soon";
2004            var lang_stock = "Stock";
2005            var lang_add_to_cart = "Add to cart";
2006            var lang_review = "Review";
2007            var lang_are_you_sure_to_delete_this_item = "Are you sure to delete this item ?";
2008            var default_currency_symbol = "฿";
2009            var prdthumb_setting = {"image":1,"name":1,"sku":1,"rating":1,"total_review":1,"short_desc":1,"custom_info":1,"price":1,"discount_percent":1,"stock_status":1,"add_to_cart":1,"wishlist":1,"compare":1};
2010            var blogthumb_setting = {"image":1,"name":1,"publish_date":1,"short_desc":1,"pin_blog_icon":1,"view":1,"by":1,"tag":1,"category":1,"read_more":1};
2011            var login_status = 0;
2012
2013            
2014
2015            jQuery(document).ready(function(){
2016                // lazy load implemetation  
2017                $(".content-wrap  [data-original]").lazyload({
2018                    skip_invisible : false,
2019                    failure_limit : 10,
2020                    effect : "fadeIn",
2021                    effectspeed: 500,
2022                    threshold : 100,
2023                });
2024
2025                //for phone number 
2026                if($('#phone').length || $('input[name="ph_number"]').length){
2027                    $('input[name="ph_number"]').attr('maxlength', 20);
2028                    $(document).on('blur', '#phone, input[name="ph_number"]', function(){
2029                        var minLength = parseInt($(this).attr('min'));
2030                        if($(this).val().trim().length<minLength){
2031                            $(this).addClass('error error-msg');
2032                            $(this).parents('div').next('.error').text('Input is too short');
2033                            //$(this).append('<p class="error-msg">Input is too short</p>')
2034                        }else {
2035                            $(this).removeClass('error error-msg');
2036                            $(this).parents('div').next('.error').text('');
2037                        }
2038                    });
2039                }
2040            });
2041            //for open popup
2042                var open_popup = '';
2043                var popup_detail = '';                
2044                //for open popup ended 
2045        </script>
2045 
2046         
2047        <div id="popupdiv"></div><!-- used for popup don`t delete it -->
2048        <div id="welcomediv" class="modal " role="dialog"><div class="modal-dialog modal-dialog-centered" style="max-height:px;max-width:px"><div class="modal-content"><div class="modal-header pb-0"><button type="button" class="close" data-dismiss="modal"><span class="far fa-times fa-fw"></span></button></div><div class="modal-body" id="popupshow"></div></div></div></div>
2049        
2050    
2050<script>(function(){function c(){var b=a.contentDocument||(a.contentWindow&&a.contentWindow.document);if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'a4539835dc169675',t:'MTc5MTExMDcwMA=='};var a=document.createElement('script');a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();</script>
2050<script type="module" src="https://static.cloudflareinsights.com/beacon.min.js/v31edd6df95cf4e85bb4c19e7a9bdbcba1788362987495" integrity="sha512-iIg7k2xntmwu6/uSb5tpc/hySgZc4eoL31yB29W6tJFo2akwjPWcEqnCEdJvGexCL0KEQwVYv5BlowfhVz26hg==" data-cf-beacon='{"version":"2024.11.0","token":"0e3e7d4cedfd4911a516fa96dcc8f74d","r":1,"spa":2}' crossorigin="anonymous"></script>
2050
2051</body>
2052</html>
2053    

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.