[
  {
    "name": "Canonical driver",
    "description": "Synthetic canonical driver sweep; only declared fields change while the topic contract remains fixed.",
    "canonical_step": 30,
    "summary": {
      "focus_step": 30,
      "focus_kind": "canonical-fixture",
      "canonical_output_match": true,
      "state_counts": {
        "below-alert": 32,
        "at-or-above-alert": 29
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      "value_min": 0.060570758002,
      "value_max": 0.551716786655,
      "segments": [
        {
          "start_step": 0,
          "end_step": 31,
          "state": "below-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "6.057%",
          "end_value_label": "24.762%"
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        {
          "start_step": 32,
          "end_step": 60,
          "state": "at-or-above-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "25.656%",
          "end_value_label": "55.172%"
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    "states": [
      {
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        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 6.057%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
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          "alert_threshold": 0.25
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            0.27
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          "probability_of_default": 0.060570758002,
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      },
      {
        "step": 1,
        "value": 0.064004540346,
        "value_label": "6.400%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 6.400%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
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            -0.56,
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          "alert_threshold": 0.25
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        "output": {
          "latent_score": -1.522,
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            0.27
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          "probability_of_default": 0.064004540346,
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      },
      {
        "step": 2,
        "value": 0.067587809638,
        "value_label": "6.759%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 6.759%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
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            -0.52,
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          "alert_threshold": 0.25
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        "output": {
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      },
      {
        "step": 3,
        "value": 0.071324143429,
        "value_label": "7.132%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.132%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
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        "output": {
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      },
      {
        "step": 4,
        "value": 0.075217027072,
        "value_label": "7.522%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.522%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
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            0.9
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          "features": [
            -0.44,
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          "alert_threshold": 0.25
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        "output": {
          "latent_score": -1.438,
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            0.27
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          "probability_of_default": 0.075217027072,
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      },
      {
        "step": 5,
        "value": 0.079269841453,
        "value_label": "7.927%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.927%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
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            0.9
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          "features": [
            -0.4,
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        "output": {
          "latent_score": -1.41,
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          "probability_of_default": 0.079269841453,
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      },
      {
        "step": 6,
        "value": 0.083485850553,
        "value_label": "8.349%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.349%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
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            0.9
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          "features": [
            -0.36,
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          "alert_threshold": 0.25
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        "output": {
          "latent_score": -1.382,
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          "probability_of_default": 0.083485850553,
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      },
      {
        "step": 7,
        "value": 0.087868188858,
        "value_label": "8.787%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.787%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
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            0.9
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          "features": [
            -0.32,
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          "alert_threshold": 0.25
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        "output": {
          "latent_score": -1.354,
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          "probability_of_default": 0.087868188858,
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          "state": "below-alert",
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        }
      },
      {
        "step": 8,
        "value": 0.092419848691,
        "value_label": "9.242%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 9.242%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
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            0.9
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          "features": [
            -0.28,
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            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.326,
          "feature_contributions": [
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          "probability_of_default": 0.092419848691,
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      },
      {
        "step": 9,
        "value": 0.097143667486,
        "value_label": "9.714%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 9.714%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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        "output": {
          "latent_score": -1.298,
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          "probability_of_default": 0.097143667486,
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      },
      {
        "step": 10,
        "value": 0.102042315075,
        "value_label": "10.204%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 10.204%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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        "output": {
          "latent_score": -1.27,
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          "probability_of_default": 0.102042315075,
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      },
      {
        "step": 11,
        "value": 0.107118281024,
        "value_label": "10.712%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 10.712%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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          "features": [
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            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.242,
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          "probability_of_default": 0.107118281024,
          "survival_probability": 0.892881718976,
          "alert_threshold": 0.25,
          "state": "below-alert",
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      },
      {
        "step": 12,
        "value": 0.112373862078,
        "value_label": "11.237%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 11.237%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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          "features": [
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        "output": {
          "latent_score": -1.214,
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      },
      {
        "step": 13,
        "value": 0.117811149762,
        "value_label": "11.781%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 11.781%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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      },
      {
        "step": 14,
        "value": 0.123432018207,
        "value_label": "12.343%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 12.343%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
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      },
      {
        "step": 15,
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        "value_label": "12.924%",
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        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 12.924%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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        "output": {
          "latent_score": -1.13,
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      },
      {
        "step": 16,
        "value": 0.135230835806,
        "value_label": "13.523%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.523%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
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        "output": {
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      },
      {
        "step": 17,
        "value": 0.141411340775,
        "value_label": "14.141%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.141%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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      },
      {
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        "value": 0.147780516195,
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        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.778%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
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      },
      {
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        "value": 0.154338978038,
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        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.434%; definition, horizon, clocks, and calibration remain part of the output.",
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      },
      {
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        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.109%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
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      },
      {
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        "value": 0.168024801968,
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        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.802%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
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        "output": {
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      },
      {
        "step": 22,
        "value": 0.175151946497,
        "value_label": "17.515%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.515%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            0.9
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          "features": [
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.934,
          "feature_contributions": [
            0.196,
            0.1,
            0.27
          ],
          "probability_of_default": 0.175151946497,
          "survival_probability": 0.824848053503,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 23,
        "value": 0.18246792622,
        "value_label": "18.247%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.247%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.32,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.906,
          "feature_contributions": [
            0.224,
            0.1,
            0.27
          ],
          "probability_of_default": 0.18246792622,
          "survival_probability": 0.81753207378,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 24,
        "value": 0.189971859359,
        "value_label": "18.997%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.997%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.36,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.878,
          "feature_contributions": [
            0.252,
            0.1,
            0.27
          ],
          "probability_of_default": 0.189971859359,
          "survival_probability": 0.810028140641,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 25,
        "value": 0.197662543123,
        "value_label": "19.766%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.766%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.4,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.85,
          "feature_contributions": [
            0.28,
            0.1,
            0.27
          ],
          "probability_of_default": 0.197662543123,
          "survival_probability": 0.802337456877,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 26,
        "value": 0.205538448453,
        "value_label": "20.554%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.554%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.44,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.822,
          "feature_contributions": [
            0.308,
            0.1,
            0.27
          ],
          "probability_of_default": 0.205538448453,
          "survival_probability": 0.794461551547,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 27,
        "value": 0.213597715674,
        "value_label": "21.360%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.360%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.48,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.794,
          "feature_contributions": [
            0.336,
            0.1,
            0.27
          ],
          "probability_of_default": 0.213597715674,
          "survival_probability": 0.786402284326,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 28,
        "value": 0.221838151093,
        "value_label": "22.184%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 22.184%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.52,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.766,
          "feature_contributions": [
            0.364,
            0.1,
            0.27
          ],
          "probability_of_default": 0.221838151093,
          "survival_probability": 0.778161848907,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 29,
        "value": 0.230257224565,
        "value_label": "23.026%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.026%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.56,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.738,
          "feature_contributions": [
            0.392,
            0.1,
            0.27
          ],
          "probability_of_default": 0.230257224565,
          "survival_probability": 0.769742775435,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 30,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
          "survival_probability": 0.76114793191,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 31,
        "value": 0.247619475431,
        "value_label": "24.762%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 24.762%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.64,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.682,
          "feature_contributions": [
            0.448,
            0.1,
            0.27
          ],
          "probability_of_default": 0.247619475431,
          "survival_probability": 0.752380524569,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 32,
        "value": 0.256555902807,
        "value_label": "25.656%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 25.656%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.68,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.654,
          "feature_contributions": [
            0.476,
            0.1,
            0.27
          ],
          "probability_of_default": 0.256555902807,
          "survival_probability": 0.743444097193,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 33,
        "value": 0.265657470664,
        "value_label": "26.566%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 26.566%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.72,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.626,
          "feature_contributions": [
            0.504,
            0.1,
            0.27
          ],
          "probability_of_default": 0.265657470664,
          "survival_probability": 0.734342529336,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 34,
        "value": 0.274919966541,
        "value_label": "27.492%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 27.492%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.76,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.598,
          "feature_contributions": [
            0.532,
            0.1,
            0.27
          ],
          "probability_of_default": 0.274919966541,
          "survival_probability": 0.725080033459,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 35,
        "value": 0.284338849046,
        "value_label": "28.434%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 28.434%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.8,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.57,
          "feature_contributions": [
            0.56,
            0.1,
            0.27
          ],
          "probability_of_default": 0.284338849046,
          "survival_probability": 0.715661150954,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 36,
        "value": 0.293909252942,
        "value_label": "29.391%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 29.391%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.84,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.542,
          "feature_contributions": [
            0.588,
            0.1,
            0.27
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          "probability_of_default": 0.293909252942,
          "survival_probability": 0.706090747058,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 37,
        "value": 0.303625995333,
        "value_label": "30.363%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 30.363%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.88,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.514,
          "feature_contributions": [
            0.616,
            0.1,
            0.27
          ],
          "probability_of_default": 0.303625995333,
          "survival_probability": 0.696374004667,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 38,
        "value": 0.313483582971,
        "value_label": "31.348%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 31.348%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.92,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.486,
          "feature_contributions": [
            0.644,
            0.1,
            0.27
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          "probability_of_default": 0.313483582971,
          "survival_probability": 0.686516417029,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 39,
        "value": 0.323476220634,
        "value_label": "32.348%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 32.348%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.96,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.458,
          "feature_contributions": [
            0.672,
            0.1,
            0.27
          ],
          "probability_of_default": 0.323476220634,
          "survival_probability": 0.676523779366,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 40,
        "value": 0.333597820595,
        "value_label": "33.360%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 33.360%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.0,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.43,
          "feature_contributions": [
            0.7,
            0.1,
            0.27
          ],
          "probability_of_default": 0.333597820595,
          "survival_probability": 0.666402179405,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 41,
        "value": 0.343842013137,
        "value_label": "34.384%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 34.384%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.04,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.402,
          "feature_contributions": [
            0.728,
            0.1,
            0.27
          ],
          "probability_of_default": 0.343842013137,
          "survival_probability": 0.656157986863,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 42,
        "value": 0.354202158091,
        "value_label": "35.420%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 35.420%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.08,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.374,
          "feature_contributions": [
            0.756,
            0.1,
            0.27
          ],
          "probability_of_default": 0.354202158091,
          "survival_probability": 0.645797841909,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 43,
        "value": 0.364671357369,
        "value_label": "36.467%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 36.467%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.12,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.346,
          "feature_contributions": [
            0.784,
            0.1,
            0.27
          ],
          "probability_of_default": 0.364671357369,
          "survival_probability": 0.635328642631,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 44,
        "value": 0.375242468455,
        "value_label": "37.524%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 37.524%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.16,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.318,
          "feature_contributions": [
            0.812,
            0.1,
            0.27
          ],
          "probability_of_default": 0.375242468455,
          "survival_probability": 0.624757531545,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 45,
        "value": 0.385908118801,
        "value_label": "38.591%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 38.591%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.2,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.29,
          "feature_contributions": [
            0.84,
            0.1,
            0.27
          ],
          "probability_of_default": 0.385908118801,
          "survival_probability": 0.614091881199,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 46,
        "value": 0.396660721094,
        "value_label": "39.666%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 39.666%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.24,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.262,
          "feature_contributions": [
            0.868,
            0.1,
            0.27
          ],
          "probability_of_default": 0.396660721094,
          "survival_probability": 0.603339278906,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 47,
        "value": 0.407492489332,
        "value_label": "40.749%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 40.749%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.28,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.234,
          "feature_contributions": [
            0.896,
            0.1,
            0.27
          ],
          "probability_of_default": 0.407492489332,
          "survival_probability": 0.592507510668,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 48,
        "value": 0.418395455653,
        "value_label": "41.840%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 41.840%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.32,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.206,
          "feature_contributions": [
            0.924,
            0.1,
            0.27
          ],
          "probability_of_default": 0.418395455653,
          "survival_probability": 0.581604544347,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 49,
        "value": 0.42936148787,
        "value_label": "42.936%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 42.936%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.36,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.178,
          "feature_contributions": [
            0.952,
            0.1,
            0.27
          ],
          "probability_of_default": 0.42936148787,
          "survival_probability": 0.57063851213,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 50,
        "value": 0.44038230763,
        "value_label": "44.038%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 44.038%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.4,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.15,
          "feature_contributions": [
            0.98,
            0.1,
            0.27
          ],
          "probability_of_default": 0.44038230763,
          "survival_probability": 0.55961769237,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 51,
        "value": 0.451449509135,
        "value_label": "45.145%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 45.145%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.44,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.122,
          "feature_contributions": [
            1.008,
            0.1,
            0.27
          ],
          "probability_of_default": 0.451449509135,
          "survival_probability": 0.548550490865,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 52,
        "value": 0.462554578369,
        "value_label": "46.255%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 46.255%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.48,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.094,
          "feature_contributions": [
            1.036,
            0.1,
            0.27
          ],
          "probability_of_default": 0.462554578369,
          "survival_probability": 0.537445421631,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 53,
        "value": 0.473688912728,
        "value_label": "47.369%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 47.369%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.52,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.066,
          "feature_contributions": [
            1.064,
            0.1,
            0.27
          ],
          "probability_of_default": 0.473688912728,
          "survival_probability": 0.526311087272,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 54,
        "value": 0.484843841015,
        "value_label": "48.484%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 48.484%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.56,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.038,
          "feature_contributions": [
            1.092,
            0.1,
            0.27
          ],
          "probability_of_default": 0.484843841015,
          "survival_probability": 0.515156158985,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 55,
        "value": 0.496010643685,
        "value_label": "49.601%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 49.601%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.01,
          "feature_contributions": [
            1.12,
            0.1,
            0.27
          ],
          "probability_of_default": 0.496010643685,
          "survival_probability": 0.503989356315,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 56,
        "value": 0.507180573294,
        "value_label": "50.718%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 50.718%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.64,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.018,
          "feature_contributions": [
            1.148,
            0.1,
            0.27
          ],
          "probability_of_default": 0.507180573294,
          "survival_probability": 0.492819426706,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 57,
        "value": 0.518344875044,
        "value_label": "51.834%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 51.834%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.68,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.046,
          "feature_contributions": [
            1.176,
            0.1,
            0.27
          ],
          "probability_of_default": 0.518344875044,
          "survival_probability": 0.481655124956,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 58,
        "value": 0.529494807369,
        "value_label": "52.949%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 52.949%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.72,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.074,
          "feature_contributions": [
            1.204,
            0.1,
            0.27
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          "probability_of_default": 0.529494807369,
          "survival_probability": 0.470505192631,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 59,
        "value": 0.540621662458,
        "value_label": "54.062%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 54.062%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.76,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.102,
          "feature_contributions": [
            1.232,
            0.1,
            0.27
          ],
          "probability_of_default": 0.540621662458,
          "survival_probability": 0.459378337542,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 60,
        "value": 0.551716786655,
        "value_label": "55.172%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 55.172%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.8,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.13,
          "feature_contributions": [
            1.26,
            0.1,
            0.27
          ],
          "probability_of_default": 0.551716786655,
          "survival_probability": 0.448283213345,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      }
    ]
  },
  {
    "name": "Adverse shift",
    "description": "Synthetic adverse shift sweep; only declared fields change while the topic contract remains fixed.",
    "canonical_step": 30,
    "summary": {
      "focus_step": 30,
      "focus_kind": "comparison",
      "canonical_output_match": false,
      "state_counts": {
        "below-alert": 2,
        "at-or-above-alert": 59
      },
      "value_min": 0.23885206809,
      "value_max": 0.90147467095,
      "segments": [
        {
          "start_step": 0,
          "end_step": 1,
          "state": "below-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "23.885%",
          "end_value_label": "24.931%"
        },
        {
          "start_step": 2,
          "end_step": 60,
          "state": "at-or-above-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "26.000%",
          "end_value_label": "90.147%"
        }
      ]
    },
    "states": [
      {
        "step": 0,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
          "survival_probability": 0.76114793191,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 1,
        "value": 0.24930873511,
        "value_label": "24.931%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 24.931%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.466666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.676666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.24930873511,
          "survival_probability": 0.75069126489,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 2,
        "value": 0.260003915772,
        "value_label": "26.000%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 26.000%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.433333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.643333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.260003915772,
          "survival_probability": 0.739996084228,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 3,
        "value": 0.270930903783,
        "value_label": "27.093%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 27.093%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.4,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.61,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.270930903783,
          "survival_probability": 0.729069096217,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 4,
        "value": 0.282082327129,
        "value_label": "28.208%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 28.208%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.366666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.576666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.282082327129,
          "survival_probability": 0.717917672871,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 5,
        "value": 0.293450158837,
        "value_label": "29.345%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 29.345%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.333333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.543333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.293450158837,
          "survival_probability": 0.706549841163,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 6,
        "value": 0.305025730898,
        "value_label": "30.503%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 30.503%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.3,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.51,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.305025730898,
          "survival_probability": 0.694974269102,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 7,
        "value": 0.31679975134,
        "value_label": "31.680%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 31.680%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.266666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.476666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.31679975134,
          "survival_probability": 0.68320024866,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 8,
        "value": 0.328762324405,
        "value_label": "32.876%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 32.876%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.233333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.443333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.328762324405,
          "survival_probability": 0.671237675595,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 9,
        "value": 0.340902973772,
        "value_label": "34.090%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 34.090%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.2,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.41,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.340902973772,
          "survival_probability": 0.659097026228,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 10,
        "value": 0.353210668758,
        "value_label": "35.321%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 35.321%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.166666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.376666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.353210668758,
          "survival_probability": 0.646789331242,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 11,
        "value": 0.365673853382,
        "value_label": "36.567%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 36.567%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.133333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.343333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.365673853382,
          "survival_probability": 0.634326146618,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 12,
        "value": 0.378280478178,
        "value_label": "37.828%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 37.828%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.1,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.31,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.378280478178,
          "survival_probability": 0.621719521822,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 13,
        "value": 0.391018034622,
        "value_label": "39.102%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 39.102%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.066666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.276666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.391018034622,
          "survival_probability": 0.608981965378,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 14,
        "value": 0.403873591994,
        "value_label": "40.387%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 40.387%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.033333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.243333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.403873591994,
          "survival_probability": 0.596126408006,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 15,
        "value": 0.416833836518,
        "value_label": "41.683%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 41.683%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.0,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.21,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.416833836518,
          "survival_probability": 0.583166163482,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 16,
        "value": 0.429885112562,
        "value_label": "42.989%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 42.989%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.966666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.176666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.429885112562,
          "survival_probability": 0.570114887438,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 17,
        "value": 0.443013465711,
        "value_label": "44.301%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 44.301%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.933333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.143333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.443013465711,
          "survival_probability": 0.556986534289,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 18,
        "value": 0.456204687458,
        "value_label": "45.620%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 45.620%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.9,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.11,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.456204687458,
          "survival_probability": 0.543795312542,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 19,
        "value": 0.469444361306,
        "value_label": "46.944%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 46.944%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.866666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.076666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.469444361306,
          "survival_probability": 0.530555638694,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 20,
        "value": 0.482717910006,
        "value_label": "48.272%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 48.272%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.833333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
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            -0.2,
            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.043333333333,
          "feature_contributions": [
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            0.1,
            0.27
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          "probability_of_default": 0.482717910006,
          "survival_probability": 0.517282089994,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 21,
        "value": 0.496010643685,
        "value_label": "49.601%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 49.601%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.8,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.01,
          "feature_contributions": [
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            0.1,
            0.27
          ],
          "probability_of_default": 0.496010643685,
          "survival_probability": 0.503989356315,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 22,
        "value": 0.509307808604,
        "value_label": "50.931%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 50.931%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.766666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.023333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.509307808604,
          "survival_probability": 0.490692191396,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 23,
        "value": 0.522594636262,
        "value_label": "52.259%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 52.259%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.733333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.056666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.522594636262,
          "survival_probability": 0.477405363738,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 24,
        "value": 0.535856392585,
        "value_label": "53.586%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 53.586%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.7,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.09,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
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          "probability_of_default": 0.535856392585,
          "survival_probability": 0.464143607415,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 25,
        "value": 0.549078426931,
        "value_label": "54.908%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 54.908%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.666666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.123333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.549078426931,
          "survival_probability": 0.450921573069,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 26,
        "value": 0.562246220618,
        "value_label": "56.225%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 56.225%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.633333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.156666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.562246220618,
          "survival_probability": 0.437753779382,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 27,
        "value": 0.575345434735,
        "value_label": "57.535%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 57.535%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.6,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.19,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.575345434735,
          "survival_probability": 0.424654565265,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 28,
        "value": 0.588361956954,
        "value_label": "58.836%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 58.836%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.566666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.223333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.588361956954,
          "survival_probability": 0.411638043046,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 29,
        "value": 0.601281947094,
        "value_label": "60.128%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 60.128%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.533333333333,
          "coefficients": [
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            -0.5,
            0.9
          ],
          "features": [
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            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.256666666667,
          "feature_contributions": [
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            0.1,
            0.27
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          "probability_of_default": 0.601281947094,
          "survival_probability": 0.398718052906,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 30,
        "value": 0.614091881199,
        "value_label": "61.409%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 61.409%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.29,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
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          "probability_of_default": 0.614091881199,
          "survival_probability": 0.385908118801,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 31,
        "value": 0.62677859388,
        "value_label": "62.678%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 62.678%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.466666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.323333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.62677859388,
          "survival_probability": 0.37322140612,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 32,
        "value": 0.639329318723,
        "value_label": "63.933%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 63.933%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.433333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.356666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.639329318723,
          "survival_probability": 0.360670681277,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 33,
        "value": 0.651731726536,
        "value_label": "65.173%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 65.173%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.4,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.39,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.651731726536,
          "survival_probability": 0.348268273464,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 34,
        "value": 0.663973961259,
        "value_label": "66.397%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 66.397%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.366666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.423333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.663973961259,
          "survival_probability": 0.336026038741,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 35,
        "value": 0.676044673365,
        "value_label": "67.604%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 67.604%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.333333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.456666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.676044673365,
          "survival_probability": 0.323955326635,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 36,
        "value": 0.687933050583,
        "value_label": "68.793%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 68.793%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.3,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.49,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.687933050583,
          "survival_probability": 0.312066949417,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 37,
        "value": 0.699628845839,
        "value_label": "69.963%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 69.963%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.266666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.523333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.699628845839,
          "survival_probability": 0.300371154161,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 38,
        "value": 0.711122402272,
        "value_label": "71.112%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 71.112%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.233333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.556666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.711122402272,
          "survival_probability": 0.288877597728,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 39,
        "value": 0.722404675247,
        "value_label": "72.240%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 72.240%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.2,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.59,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
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          "probability_of_default": 0.722404675247,
          "survival_probability": 0.277595324753,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 40,
        "value": 0.733467251296,
        "value_label": "73.347%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 73.347%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.166666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
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          "features": [
            0.6,
            -0.2,
            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.623333333333,
          "feature_contributions": [
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            0.1,
            0.27
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          "probability_of_default": 0.733467251296,
          "survival_probability": 0.266532748704,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 41,
        "value": 0.744302363936,
        "value_label": "74.430%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 74.430%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.133333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
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          "features": [
            0.6,
            -0.2,
            0.3
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        },
        "output": {
          "latent_score": 0.656666666667,
          "feature_contributions": [
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            0.1,
            0.27
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          "probability_of_default": 0.744302363936,
          "survival_probability": 0.255697636064,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 42,
        "value": 0.754902906326,
        "value_label": "75.490%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 75.490%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.1,
          "coefficients": [
            0.7,
            -0.5,
            0.9
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          "features": [
            0.6,
            -0.2,
            0.3
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          "alert_threshold": 0.25
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        "output": {
          "latent_score": 0.69,
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            0.1,
            0.27
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          "probability_of_default": 0.754902906326,
          "survival_probability": 0.245097093674,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 43,
        "value": 0.765262440771,
        "value_label": "76.526%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 76.526%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.066666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
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          "features": [
            0.6,
            -0.2,
            0.3
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          "alert_threshold": 0.25
        },
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          "latent_score": 0.723333333333,
          "feature_contributions": [
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            0.27
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          "probability_of_default": 0.765262440771,
          "survival_probability": 0.234737559229,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 44,
        "value": 0.775375205086,
        "value_label": "77.538%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 77.538%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.033333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
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            -0.2,
            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.756666666667,
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            0.27
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          "probability_of_default": 0.775375205086,
          "survival_probability": 0.224624794914,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 45,
        "value": 0.785236115836,
        "value_label": "78.524%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 78.524%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.0,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.79,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
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          "probability_of_default": 0.785236115836,
          "survival_probability": 0.214763884164,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 46,
        "value": 0.794840768536,
        "value_label": "79.484%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 79.484%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.033333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
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          "features": [
            0.6,
            -0.2,
            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.823333333333,
          "feature_contributions": [
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            0.1,
            0.27
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          "probability_of_default": 0.794840768536,
          "survival_probability": 0.205159231464,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 47,
        "value": 0.804185434861,
        "value_label": "80.419%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 80.419%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.066666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.856666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
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          "probability_of_default": 0.804185434861,
          "survival_probability": 0.195814565139,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 48,
        "value": 0.813267056963,
        "value_label": "81.327%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 81.327%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.1,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.89,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.813267056963,
          "survival_probability": 0.186732943037,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 49,
        "value": 0.822083239015,
        "value_label": "82.208%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 82.208%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.133333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.923333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.822083239015,
          "survival_probability": 0.177916760985,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 50,
        "value": 0.830632236084,
        "value_label": "83.063%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 83.063%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.166666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.956666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.830632236084,
          "survival_probability": 0.169367763916,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 51,
        "value": 0.838912940489,
        "value_label": "83.891%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 83.891%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.2,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.99,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.838912940489,
          "survival_probability": 0.161087059511,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 52,
        "value": 0.846924865781,
        "value_label": "84.692%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 84.692%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.233333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.023333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.846924865781,
          "survival_probability": 0.153075134219,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 53,
        "value": 0.854668128513,
        "value_label": "85.467%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 85.467%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.266666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.056666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.854668128513,
          "survival_probability": 0.145331871487,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 54,
        "value": 0.862143427968,
        "value_label": "86.214%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 86.214%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.3,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.09,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.862143427968,
          "survival_probability": 0.137856572032,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 55,
        "value": 0.86935202402,
        "value_label": "86.935%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 86.935%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.333333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.123333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.86935202402,
          "survival_probability": 0.13064797598,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 56,
        "value": 0.876295713318,
        "value_label": "87.630%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 87.630%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.366666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.156666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.876295713318,
          "survival_probability": 0.123704286682,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 57,
        "value": 0.882976803977,
        "value_label": "88.298%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 88.298%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.4,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.19,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.882976803977,
          "survival_probability": 0.117023196023,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 58,
        "value": 0.889398088971,
        "value_label": "88.940%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 88.940%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.433333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.223333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.889398088971,
          "survival_probability": 0.110601911029,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 59,
        "value": 0.895562818417,
        "value_label": "89.556%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 89.556%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.466666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.256666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.895562818417,
          "survival_probability": 0.104437181583,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 60,
        "value": 0.90147467095,
        "value_label": "90.147%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 90.147%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.29,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.90147467095,
          "survival_probability": 0.09852532905,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      }
    ]
  },
  {
    "name": "Protective shift",
    "description": "Synthetic protective shift sweep; only declared fields change while the topic contract remains fixed.",
    "canonical_step": 30,
    "summary": {
      "focus_step": 30,
      "focus_kind": "comparison",
      "canonical_output_match": false,
      "state_counts": {
        "below-alert": 61
      },
      "value_min": 0.072145036966,
      "value_max": 0.23885206809,
      "segments": [
        {
          "start_step": 0,
          "end_step": 60,
          "state": "below-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "23.885%",
          "end_value_label": "7.215%"
        }
      ]
    },
    "states": [
      {
        "step": 0,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
          "survival_probability": 0.76114793191,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 1,
        "value": 0.234993562679,
        "value_label": "23.499%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.499%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.175,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.7225,
          "feature_contributions": [
            0.42,
            0.0875,
            0.27
          ],
          "probability_of_default": 0.234993562679,
          "survival_probability": 0.765006437321,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 2,
        "value": 0.231169747061,
        "value_label": "23.117%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.117%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.15,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.735,
          "feature_contributions": [
            0.42,
            0.075,
            0.27
          ],
          "probability_of_default": 0.231169747061,
          "survival_probability": 0.768830252939,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 3,
        "value": 0.227380901404,
        "value_label": "22.738%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 22.738%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.125,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.7475,
          "feature_contributions": [
            0.42,
            0.0625,
            0.27
          ],
          "probability_of_default": 0.227380901404,
          "survival_probability": 0.772619098596,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 4,
        "value": 0.223627292438,
        "value_label": "22.363%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 22.363%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.1,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.76,
          "feature_contributions": [
            0.42,
            0.05,
            0.27
          ],
          "probability_of_default": 0.223627292438,
          "survival_probability": 0.776372707562,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 5,
        "value": 0.21990917345,
        "value_label": "21.991%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.991%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.075,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.7725,
          "feature_contributions": [
            0.42,
            0.0375,
            0.27
          ],
          "probability_of_default": 0.21990917345,
          "survival_probability": 0.78009082655,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 6,
        "value": 0.216226784298,
        "value_label": "21.623%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.623%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.05,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.785,
          "feature_contributions": [
            0.42,
            0.025,
            0.27
          ],
          "probability_of_default": 0.216226784298,
          "survival_probability": 0.783773215702,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 7,
        "value": 0.212580351422,
        "value_label": "21.258%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.258%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.025,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.7975,
          "feature_contributions": [
            0.42,
            0.0125,
            0.27
          ],
          "probability_of_default": 0.212580351422,
          "survival_probability": 0.787419648578,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 8,
        "value": 0.208970087872,
        "value_label": "20.897%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.897%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.0,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.81,
          "feature_contributions": [
            0.42,
            0.0,
            0.27
          ],
          "probability_of_default": 0.208970087872,
          "survival_probability": 0.791029912128,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 9,
        "value": 0.205396193338,
        "value_label": "20.540%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.540%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.025,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.8225,
          "feature_contributions": [
            0.42,
            -0.0125,
            0.27
          ],
          "probability_of_default": 0.205396193338,
          "survival_probability": 0.794603806662,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 10,
        "value": 0.201858854191,
        "value_label": "20.186%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.186%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.05,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.835,
          "feature_contributions": [
            0.42,
            -0.025,
            0.27
          ],
          "probability_of_default": 0.201858854191,
          "survival_probability": 0.798141145809,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 11,
        "value": 0.198358243534,
        "value_label": "19.836%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.836%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.075,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.8475,
          "feature_contributions": [
            0.42,
            -0.0375,
            0.27
          ],
          "probability_of_default": 0.198358243534,
          "survival_probability": 0.801641756466,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 12,
        "value": 0.194894521252,
        "value_label": "19.489%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.489%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.1,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.86,
          "feature_contributions": [
            0.42,
            -0.05,
            0.27
          ],
          "probability_of_default": 0.194894521252,
          "survival_probability": 0.805105478748,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 13,
        "value": 0.191467834082,
        "value_label": "19.147%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.147%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.125,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.8725,
          "feature_contributions": [
            0.42,
            -0.0625,
            0.27
          ],
          "probability_of_default": 0.191467834082,
          "survival_probability": 0.808532165918,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 14,
        "value": 0.188078315681,
        "value_label": "18.808%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.808%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.15,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.885,
          "feature_contributions": [
            0.42,
            -0.075,
            0.27
          ],
          "probability_of_default": 0.188078315681,
          "survival_probability": 0.811921684319,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 15,
        "value": 0.184726086704,
        "value_label": "18.473%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.473%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.175,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.8975,
          "feature_contributions": [
            0.42,
            -0.0875,
            0.27
          ],
          "probability_of_default": 0.184726086704,
          "survival_probability": 0.815273913296,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 16,
        "value": 0.181411254892,
        "value_label": "18.141%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.141%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.91,
          "feature_contributions": [
            0.42,
            -0.1,
            0.27
          ],
          "probability_of_default": 0.181411254892,
          "survival_probability": 0.818588745108,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 17,
        "value": 0.178133915163,
        "value_label": "17.813%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.813%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.225,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.9225,
          "feature_contributions": [
            0.42,
            -0.1125,
            0.27
          ],
          "probability_of_default": 0.178133915163,
          "survival_probability": 0.821866084837,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 18,
        "value": 0.174894149713,
        "value_label": "17.489%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.489%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.25,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.935,
          "feature_contributions": [
            0.42,
            -0.125,
            0.27
          ],
          "probability_of_default": 0.174894149713,
          "survival_probability": 0.825105850287,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 19,
        "value": 0.171692028122,
        "value_label": "17.169%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.169%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.275,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.9475,
          "feature_contributions": [
            0.42,
            -0.1375,
            0.27
          ],
          "probability_of_default": 0.171692028122,
          "survival_probability": 0.828307971878,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 20,
        "value": 0.168527607467,
        "value_label": "16.853%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.853%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.3,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.96,
          "feature_contributions": [
            0.42,
            -0.15,
            0.27
          ],
          "probability_of_default": 0.168527607467,
          "survival_probability": 0.831472392533,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 21,
        "value": 0.165400932441,
        "value_label": "16.540%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.540%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.325,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.9725,
          "feature_contributions": [
            0.42,
            -0.1625,
            0.27
          ],
          "probability_of_default": 0.165400932441,
          "survival_probability": 0.834599067559,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 22,
        "value": 0.162312035482,
        "value_label": "16.231%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.231%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.35,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.985,
          "feature_contributions": [
            0.42,
            -0.175,
            0.27
          ],
          "probability_of_default": 0.162312035482,
          "survival_probability": 0.837687964518,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 23,
        "value": 0.1592609369,
        "value_label": "15.926%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.926%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.375,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.9975,
          "feature_contributions": [
            0.42,
            -0.1875,
            0.27
          ],
          "probability_of_default": 0.1592609369,
          "survival_probability": 0.8407390631,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 24,
        "value": 0.156247645021,
        "value_label": "15.625%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.625%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.4,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.01,
          "feature_contributions": [
            0.42,
            -0.2,
            0.27
          ],
          "probability_of_default": 0.156247645021,
          "survival_probability": 0.843752354979,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 25,
        "value": 0.153272156325,
        "value_label": "15.327%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.327%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.425,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.0225,
          "feature_contributions": [
            0.42,
            -0.2125,
            0.27
          ],
          "probability_of_default": 0.153272156325,
          "survival_probability": 0.846727843675,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 26,
        "value": 0.150334455599,
        "value_label": "15.033%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.033%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.45,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.035,
          "feature_contributions": [
            0.42,
            -0.225,
            0.27
          ],
          "probability_of_default": 0.150334455599,
          "survival_probability": 0.849665544401,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 27,
        "value": 0.147434516089,
        "value_label": "14.743%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.743%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.475,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.0475,
          "feature_contributions": [
            0.42,
            -0.2375,
            0.27
          ],
          "probability_of_default": 0.147434516089,
          "survival_probability": 0.852565483911,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 28,
        "value": 0.144572299664,
        "value_label": "14.457%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.457%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.5,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.06,
          "feature_contributions": [
            0.42,
            -0.25,
            0.27
          ],
          "probability_of_default": 0.144572299664,
          "survival_probability": 0.855427700336,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 29,
        "value": 0.141747756976,
        "value_label": "14.175%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.175%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.525,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.0725,
          "feature_contributions": [
            0.42,
            -0.2625,
            0.27
          ],
          "probability_of_default": 0.141747756976,
          "survival_probability": 0.858252243024,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 30,
        "value": 0.138960827634,
        "value_label": "13.896%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.896%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.55,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.085,
          "feature_contributions": [
            0.42,
            -0.275,
            0.27
          ],
          "probability_of_default": 0.138960827634,
          "survival_probability": 0.861039172366,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 31,
        "value": 0.136211440374,
        "value_label": "13.621%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.621%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.575,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.0975,
          "feature_contributions": [
            0.42,
            -0.2875,
            0.27
          ],
          "probability_of_default": 0.136211440374,
          "survival_probability": 0.863788559626,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 32,
        "value": 0.133499513243,
        "value_label": "13.350%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.350%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.6,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.11,
          "feature_contributions": [
            0.42,
            -0.3,
            0.27
          ],
          "probability_of_default": 0.133499513243,
          "survival_probability": 0.866500486757,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 33,
        "value": 0.130824953776,
        "value_label": "13.082%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.082%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.625,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.1225,
          "feature_contributions": [
            0.42,
            -0.3125,
            0.27
          ],
          "probability_of_default": 0.130824953776,
          "survival_probability": 0.869175046224,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 34,
        "value": 0.128187659189,
        "value_label": "12.819%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 12.819%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.65,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.135,
          "feature_contributions": [
            0.42,
            -0.325,
            0.27
          ],
          "probability_of_default": 0.128187659189,
          "survival_probability": 0.871812340811,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 35,
        "value": 0.125587516565,
        "value_label": "12.559%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 12.559%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.675,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.1475,
          "feature_contributions": [
            0.42,
            -0.3375,
            0.27
          ],
          "probability_of_default": 0.125587516565,
          "survival_probability": 0.874412483435,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 36,
        "value": 0.123024403051,
        "value_label": "12.302%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 12.302%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.7,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.16,
          "feature_contributions": [
            0.42,
            -0.35,
            0.27
          ],
          "probability_of_default": 0.123024403051,
          "survival_probability": 0.876975596949,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 37,
        "value": 0.120498186057,
        "value_label": "12.050%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 12.050%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.725,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.1725,
          "feature_contributions": [
            0.42,
            -0.3625,
            0.27
          ],
          "probability_of_default": 0.120498186057,
          "survival_probability": 0.879501813943,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 38,
        "value": 0.118008723454,
        "value_label": "11.801%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 11.801%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.75,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.185,
          "feature_contributions": [
            0.42,
            -0.375,
            0.27
          ],
          "probability_of_default": 0.118008723454,
          "survival_probability": 0.881991276546,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 39,
        "value": 0.115555863779,
        "value_label": "11.556%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 11.556%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.775,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.1975,
          "feature_contributions": [
            0.42,
            -0.3875,
            0.27
          ],
          "probability_of_default": 0.115555863779,
          "survival_probability": 0.884444136221,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 40,
        "value": 0.113139446444,
        "value_label": "11.314%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 11.314%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.8,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.21,
          "feature_contributions": [
            0.42,
            -0.4,
            0.27
          ],
          "probability_of_default": 0.113139446444,
          "survival_probability": 0.886860553556,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 41,
        "value": 0.110759301944,
        "value_label": "11.076%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 11.076%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.825,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.2225,
          "feature_contributions": [
            0.42,
            -0.4125,
            0.27
          ],
          "probability_of_default": 0.110759301944,
          "survival_probability": 0.889240698056,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 42,
        "value": 0.10841525207,
        "value_label": "10.842%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 10.842%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.85,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.235,
          "feature_contributions": [
            0.42,
            -0.425,
            0.27
          ],
          "probability_of_default": 0.10841525207,
          "survival_probability": 0.89158474793,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 43,
        "value": 0.10610711012,
        "value_label": "10.611%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 10.611%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.875,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.2475,
          "feature_contributions": [
            0.42,
            -0.4375,
            0.27
          ],
          "probability_of_default": 0.10610711012,
          "survival_probability": 0.89389288988,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 44,
        "value": 0.103834681121,
        "value_label": "10.383%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 10.383%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.9,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.26,
          "feature_contributions": [
            0.42,
            -0.45,
            0.27
          ],
          "probability_of_default": 0.103834681121,
          "survival_probability": 0.896165318879,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 45,
        "value": 0.101597762042,
        "value_label": "10.160%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 10.160%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.925,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.2725,
          "feature_contributions": [
            0.42,
            -0.4625,
            0.27
          ],
          "probability_of_default": 0.101597762042,
          "survival_probability": 0.898402237958,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 46,
        "value": 0.099396142015,
        "value_label": "9.940%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 9.940%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.95,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.285,
          "feature_contributions": [
            0.42,
            -0.475,
            0.27
          ],
          "probability_of_default": 0.099396142015,
          "survival_probability": 0.900603857985,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 47,
        "value": 0.097229602558,
        "value_label": "9.723%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 9.723%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            0.975,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.2975,
          "feature_contributions": [
            0.42,
            -0.4875,
            0.27
          ],
          "probability_of_default": 0.097229602558,
          "survival_probability": 0.902770397442,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 48,
        "value": 0.095097917795,
        "value_label": "9.510%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 9.510%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.0,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.31,
          "feature_contributions": [
            0.42,
            -0.5,
            0.27
          ],
          "probability_of_default": 0.095097917795,
          "survival_probability": 0.904902082205,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 49,
        "value": 0.093000854681,
        "value_label": "9.300%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 9.300%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.025,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.3225,
          "feature_contributions": [
            0.42,
            -0.5125,
            0.27
          ],
          "probability_of_default": 0.093000854681,
          "survival_probability": 0.906999145319,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 50,
        "value": 0.090938173225,
        "value_label": "9.094%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 9.094%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.05,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.335,
          "feature_contributions": [
            0.42,
            -0.525,
            0.27
          ],
          "probability_of_default": 0.090938173225,
          "survival_probability": 0.909061826775,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 51,
        "value": 0.088909626716,
        "value_label": "8.891%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.891%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.075,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.3475,
          "feature_contributions": [
            0.42,
            -0.5375,
            0.27
          ],
          "probability_of_default": 0.088909626716,
          "survival_probability": 0.911090373284,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 52,
        "value": 0.086914961947,
        "value_label": "8.691%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.691%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.1,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.36,
          "feature_contributions": [
            0.42,
            -0.55,
            0.27
          ],
          "probability_of_default": 0.086914961947,
          "survival_probability": 0.913085038053,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 53,
        "value": 0.084953919442,
        "value_label": "8.495%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.495%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.125,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.3725,
          "feature_contributions": [
            0.42,
            -0.5625,
            0.27
          ],
          "probability_of_default": 0.084953919442,
          "survival_probability": 0.915046080558,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 54,
        "value": 0.083026233682,
        "value_label": "8.303%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.303%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.15,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.385,
          "feature_contributions": [
            0.42,
            -0.575,
            0.27
          ],
          "probability_of_default": 0.083026233682,
          "survival_probability": 0.916973766318,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 55,
        "value": 0.081131633329,
        "value_label": "8.113%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.113%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.175,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.3975,
          "feature_contributions": [
            0.42,
            -0.5875,
            0.27
          ],
          "probability_of_default": 0.081131633329,
          "survival_probability": 0.918868366671,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 56,
        "value": 0.079269841453,
        "value_label": "7.927%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.927%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.41,
          "feature_contributions": [
            0.42,
            -0.6,
            0.27
          ],
          "probability_of_default": 0.079269841453,
          "survival_probability": 0.920730158547,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 57,
        "value": 0.077440575757,
        "value_label": "7.744%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.744%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.225,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.4225,
          "feature_contributions": [
            0.42,
            -0.6125,
            0.27
          ],
          "probability_of_default": 0.077440575757,
          "survival_probability": 0.922559424243,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 58,
        "value": 0.075643548799,
        "value_label": "7.564%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.564%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.25,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.435,
          "feature_contributions": [
            0.42,
            -0.625,
            0.27
          ],
          "probability_of_default": 0.075643548799,
          "survival_probability": 0.924356451201,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 59,
        "value": 0.073878468221,
        "value_label": "7.388%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.388%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.275,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.4475,
          "feature_contributions": [
            0.42,
            -0.6375,
            0.27
          ],
          "probability_of_default": 0.073878468221,
          "survival_probability": 0.926121531779,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 60,
        "value": 0.072145036966,
        "value_label": "7.215%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 7.215%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            1.3,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.46,
          "feature_contributions": [
            0.42,
            -0.65,
            0.27
          ],
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      }
    ]
  },
  {
    "name": "Threshold or boundary",
    "description": "Synthetic threshold or boundary sweep; only declared fields change while the topic contract remains fixed.",
    "canonical_step": 30,
    "summary": {
      "focus_step": 30,
      "focus_kind": "comparison",
      "canonical_output_match": false,
      "state_counts": {
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        "below-alert": 42
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      "segments": [
        {
          "start_step": 0,
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          "state": "at-or-above-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "23.885%",
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        {
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          "state": "below-alert",
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      ]
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      {
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      },
      {
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        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
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            -0.5,
            0.9
          ],
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        }
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      {
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        "state": "at-or-above-alert",
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        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
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            -0.5,
            0.9
          ],
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 4,
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        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
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          "alert_threshold": 0.09
        },
        "output": {
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        }
      },
      {
        "step": 5,
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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        }
      },
      {
        "step": 6,
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        "value_label": "23.885%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 7,
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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          "alert_threshold": 0.12
        },
        "output": {
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          "probability_of_default": 0.23885206809,
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          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 8,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
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            0.3
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          "alert_threshold": 0.13
        },
        "output": {
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 9,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
          "features": [
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          "alert_threshold": 0.14
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        }
      },
      {
        "step": 10,
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        "value_label": "23.885%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
          "features": [
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          "alert_threshold": 0.15
        },
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          "probability_of_default": 0.23885206809,
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          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 11,
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        "value_label": "23.885%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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        }
      },
      {
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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        }
      },
      {
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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      },
      {
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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          "alert_threshold": 0.2
        },
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      },
      {
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
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          "coefficients": [
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            -0.5,
            0.9
          ],
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            0.3
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      {
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        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
          ],
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      },
      {
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        "value_label": "23.885%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
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            -0.5,
            0.9
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      },
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        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
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            -0.5,
            0.9
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      },
      {
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        "value_label": "23.885%",
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        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
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            0.7,
            -0.5,
            0.9
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        }
      },
      {
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        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
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            -0.5,
            0.9
          ],
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            0.3
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 22,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
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            0.3
          ],
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        },
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 23,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
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            0.3
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        },
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            0.1,
            0.27
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 24,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.29
        },
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            0.1,
            0.27
          ],
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 25,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.3
        },
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            0.1,
            0.27
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          "alert_threshold": 0.3,
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 26,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.31
        },
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            0.1,
            0.27
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 27,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.32
        },
        "output": {
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.32,
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 28,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.33
        },
        "output": {
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          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 29,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.34
        },
        "output": {
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          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.34,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 30,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.35
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 31,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.36
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 32,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.37
        },
        "output": {
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          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.37,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 33,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.38
        },
        "output": {
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          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.38,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 34,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.39
        },
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            0.1,
            0.27
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 35,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 36,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.41
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            0.1,
            0.27
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 37,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.42
        },
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            0.1,
            0.27
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 38,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
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            -0.2,
            0.3
          ],
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            0.1,
            0.27
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          "probability_of_default": 0.23885206809,
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 39,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
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            -0.2,
            0.3
          ],
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            0.1,
            0.27
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        }
      },
      {
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        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
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            0.1,
            0.27
          ],
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        }
      },
      {
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        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
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            0.1,
            0.27
          ],
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 42,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
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            -0.2,
            0.3
          ],
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            0.1,
            0.27
          ],
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 43,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
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            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.48
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 44,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.49
        },
        "output": {
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            0.1,
            0.27
          ],
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 45,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.5
        },
        "output": {
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          "feature_contributions": [
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
          "survival_probability": 0.76114793191,
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 46,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
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          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
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          ],
          "alert_threshold": 0.51
        },
        "output": {
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          "probability_of_default": 0.23885206809,
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 47,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.52
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.52,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 48,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.53
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.53,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 49,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.54
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.54,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 50,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.55
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 51,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.56
        },
        "output": {
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.56,
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 52,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.57
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.57,
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          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 53,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.58
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.58,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 54,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.59
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.59,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 55,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.6
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.6,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 56,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.61
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.61,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 57,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.62
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.62,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 58,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.63
        },
        "output": {
          "latent_score": -0.71,
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            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 59,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.64
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
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            0.1,
            0.27
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          "probability_of_default": 0.23885206809,
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          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 60,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.65
        },
        "output": {
          "latent_score": -0.71,
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            0.1,
            0.27
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          "probability_of_default": 0.23885206809,
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          "alert_threshold": 0.65,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      }
    ]
  },
  {
    "name": "Sensitivity",
    "description": "Synthetic sensitivity sweep; only declared fields change while the topic contract remains fixed.",
    "canonical_step": 30,
    "summary": {
      "focus_step": 30,
      "focus_kind": "comparison",
      "canonical_output_match": false,
      "state_counts": {
        "below-alert": 38,
        "at-or-above-alert": 23
      },
      "value_min": 0.12923811224,
      "value_max": 0.340902973772,
      "segments": [
        {
          "start_step": 0,
          "end_step": 37,
          "state": "below-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "12.924%",
          "end_value_label": "24.636%"
        },
        {
          "start_step": 38,
          "end_step": 60,
          "state": "at-or-above-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "25.016%",
          "end_value_label": "34.090%"
        }
      ]
    },
    "states": [
      {
        "step": 0,
        "value": 0.12923811224,
        "value_label": "12.924%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 12.924%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.5
          ],
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            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.13,
          "feature_contributions": [
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            0.1,
            -0.15
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          "probability_of_default": 0.12923811224,
          "survival_probability": 0.87076188776,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 1,
        "value": 0.131783496683,
        "value_label": "13.178%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.178%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.46
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          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.118,
          "feature_contributions": [
            0.42,
            0.1,
            -0.138
          ],
          "probability_of_default": 0.131783496683,
          "survival_probability": 0.868216503317,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 2,
        "value": 0.134363259687,
        "value_label": "13.436%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.436%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.42
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          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.106,
          "feature_contributions": [
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            0.1,
            -0.126
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          "probability_of_default": 0.134363259687,
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          "state": "below-alert",
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        }
      },
      {
        "step": 3,
        "value": 0.136977489105,
        "value_label": "13.698%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.698%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.38
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            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.094,
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            0.1,
            -0.114
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          "probability_of_default": 0.136977489105,
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          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 4,
        "value": 0.139626263973,
        "value_label": "13.963%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.963%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.34
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.082,
          "feature_contributions": [
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            0.1,
            -0.102
          ],
          "probability_of_default": 0.139626263973,
          "survival_probability": 0.860373736027,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 5,
        "value": 0.142309654356,
        "value_label": "14.231%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.231%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.3
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.07,
          "feature_contributions": [
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            0.1,
            -0.09
          ],
          "probability_of_default": 0.142309654356,
          "survival_probability": 0.857690345644,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 6,
        "value": 0.145027721202,
        "value_label": "14.503%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.503%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.26
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.058,
          "feature_contributions": [
            0.42,
            0.1,
            -0.078
          ],
          "probability_of_default": 0.145027721202,
          "survival_probability": 0.854972278798,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 7,
        "value": 0.147780516195,
        "value_label": "14.778%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.778%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.22
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.046,
          "feature_contributions": [
            0.42,
            0.1,
            -0.066
          ],
          "probability_of_default": 0.147780516195,
          "survival_probability": 0.852219483805,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 8,
        "value": 0.150568081617,
        "value_label": "15.057%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.057%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.18
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.034,
          "feature_contributions": [
            0.42,
            0.1,
            -0.054
          ],
          "probability_of_default": 0.150568081617,
          "survival_probability": 0.849431918383,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 9,
        "value": 0.153390450205,
        "value_label": "15.339%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.339%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.14
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.022,
          "feature_contributions": [
            0.42,
            0.1,
            -0.042
          ],
          "probability_of_default": 0.153390450205,
          "survival_probability": 0.846609549795,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 10,
        "value": 0.156247645021,
        "value_label": "15.625%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.625%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.1
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.01,
          "feature_contributions": [
            0.42,
            0.1,
            -0.03
          ],
          "probability_of_default": 0.156247645021,
          "survival_probability": 0.843752354979,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 11,
        "value": 0.159139679322,
        "value_label": "15.914%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.914%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.06
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.998,
          "feature_contributions": [
            0.42,
            0.1,
            -0.018
          ],
          "probability_of_default": 0.159139679322,
          "survival_probability": 0.840860320678,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 12,
        "value": 0.162066556429,
        "value_label": "16.207%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.207%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            -0.02
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.986,
          "feature_contributions": [
            0.42,
            0.1,
            -0.006
          ],
          "probability_of_default": 0.162066556429,
          "survival_probability": 0.837933443571,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 13,
        "value": 0.165028269612,
        "value_label": "16.503%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.503%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.02
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.974,
          "feature_contributions": [
            0.42,
            0.1,
            0.006
          ],
          "probability_of_default": 0.165028269612,
          "survival_probability": 0.834971730388,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 14,
        "value": 0.168024801968,
        "value_label": "16.802%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.802%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.06
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.962,
          "feature_contributions": [
            0.42,
            0.1,
            0.018
          ],
          "probability_of_default": 0.168024801968,
          "survival_probability": 0.831975198032,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 15,
        "value": 0.171056126308,
        "value_label": "17.106%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.106%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.1
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.95,
          "feature_contributions": [
            0.42,
            0.1,
            0.03
          ],
          "probability_of_default": 0.171056126308,
          "survival_probability": 0.828943873692,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 16,
        "value": 0.174122205053,
        "value_label": "17.412%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.412%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.14
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.938,
          "feature_contributions": [
            0.42,
            0.1,
            0.042
          ],
          "probability_of_default": 0.174122205053,
          "survival_probability": 0.825877794947,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 17,
        "value": 0.177222990125,
        "value_label": "17.722%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.722%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.18
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.926,
          "feature_contributions": [
            0.42,
            0.1,
            0.054
          ],
          "probability_of_default": 0.177222990125,
          "survival_probability": 0.822777009875,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 18,
        "value": 0.18035842285,
        "value_label": "18.036%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.036%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.22
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.914,
          "feature_contributions": [
            0.42,
            0.1,
            0.066
          ],
          "probability_of_default": 0.18035842285,
          "survival_probability": 0.81964157715,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 19,
        "value": 0.183528433867,
        "value_label": "18.353%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.353%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.26
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.902,
          "feature_contributions": [
            0.42,
            0.1,
            0.078
          ],
          "probability_of_default": 0.183528433867,
          "survival_probability": 0.816471566133,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 20,
        "value": 0.186732943037,
        "value_label": "18.673%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.673%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.3
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.89,
          "feature_contributions": [
            0.42,
            0.1,
            0.09
          ],
          "probability_of_default": 0.186732943037,
          "survival_probability": 0.813267056963,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 21,
        "value": 0.189971859359,
        "value_label": "18.997%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.997%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.34
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.878,
          "feature_contributions": [
            0.42,
            0.1,
            0.102
          ],
          "probability_of_default": 0.189971859359,
          "survival_probability": 0.810028140641,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 22,
        "value": 0.193245080894,
        "value_label": "19.325%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.325%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.38
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.866,
          "feature_contributions": [
            0.42,
            0.1,
            0.114
          ],
          "probability_of_default": 0.193245080894,
          "survival_probability": 0.806754919106,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 23,
        "value": 0.196552494692,
        "value_label": "19.655%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.655%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.42
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.854,
          "feature_contributions": [
            0.42,
            0.1,
            0.126
          ],
          "probability_of_default": 0.196552494692,
          "survival_probability": 0.803447505308,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 24,
        "value": 0.199893976726,
        "value_label": "19.989%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.989%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.46
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.842,
          "feature_contributions": [
            0.42,
            0.1,
            0.138
          ],
          "probability_of_default": 0.199893976726,
          "survival_probability": 0.800106023274,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 25,
        "value": 0.203269391828,
        "value_label": "20.327%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.327%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.5
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.83,
          "feature_contributions": [
            0.42,
            0.1,
            0.15
          ],
          "probability_of_default": 0.203269391828,
          "survival_probability": 0.796730608172,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 26,
        "value": 0.206678593638,
        "value_label": "20.668%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.668%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.54
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.818,
          "feature_contributions": [
            0.42,
            0.1,
            0.162
          ],
          "probability_of_default": 0.206678593638,
          "survival_probability": 0.793321406362,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 27,
        "value": 0.21012142455,
        "value_label": "21.012%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.012%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.58
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.806,
          "feature_contributions": [
            0.42,
            0.1,
            0.174
          ],
          "probability_of_default": 0.21012142455,
          "survival_probability": 0.78987857545,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 28,
        "value": 0.213597715674,
        "value_label": "21.360%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.360%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.62
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.794,
          "feature_contributions": [
            0.42,
            0.1,
            0.186
          ],
          "probability_of_default": 0.213597715674,
          "survival_probability": 0.786402284326,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 29,
        "value": 0.217107286795,
        "value_label": "21.711%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.711%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.66
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.782,
          "feature_contributions": [
            0.42,
            0.1,
            0.198
          ],
          "probability_of_default": 0.217107286795,
          "survival_probability": 0.782892713205,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 30,
        "value": 0.220649946343,
        "value_label": "22.065%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 22.065%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.7
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.77,
          "feature_contributions": [
            0.42,
            0.1,
            0.21
          ],
          "probability_of_default": 0.220649946343,
          "survival_probability": 0.779350053657,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 31,
        "value": 0.224225491367,
        "value_label": "22.423%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 22.423%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.74
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.758,
          "feature_contributions": [
            0.42,
            0.1,
            0.222
          ],
          "probability_of_default": 0.224225491367,
          "survival_probability": 0.775774508633,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 32,
        "value": 0.227833707519,
        "value_label": "22.783%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 22.783%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.78
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.746,
          "feature_contributions": [
            0.42,
            0.1,
            0.234
          ],
          "probability_of_default": 0.227833707519,
          "survival_probability": 0.772166292481,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 33,
        "value": 0.231474369042,
        "value_label": "23.147%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.147%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.82
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.734,
          "feature_contributions": [
            0.42,
            0.1,
            0.246
          ],
          "probability_of_default": 0.231474369042,
          "survival_probability": 0.768525630958,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 34,
        "value": 0.235147238761,
        "value_label": "23.515%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.515%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.86
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.722,
          "feature_contributions": [
            0.42,
            0.1,
            0.258
          ],
          "probability_of_default": 0.235147238761,
          "survival_probability": 0.764852761239,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 35,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.23885206809,
          "survival_probability": 0.76114793191,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 36,
        "value": 0.242588597033,
        "value_label": "24.259%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 24.259%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.94
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.698,
          "feature_contributions": [
            0.42,
            0.1,
            0.282
          ],
          "probability_of_default": 0.242588597033,
          "survival_probability": 0.757411402967,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 37,
        "value": 0.246356554202,
        "value_label": "24.636%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 24.636%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.98
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.686,
          "feature_contributions": [
            0.42,
            0.1,
            0.294
          ],
          "probability_of_default": 0.246356554202,
          "survival_probability": 0.753643445798,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 38,
        "value": 0.25015565684,
        "value_label": "25.016%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 25.016%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.02
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.674,
          "feature_contributions": [
            0.42,
            0.1,
            0.306
          ],
          "probability_of_default": 0.25015565684,
          "survival_probability": 0.74984434316,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 39,
        "value": 0.253985610845,
        "value_label": "25.399%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 25.399%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.06
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.662,
          "feature_contributions": [
            0.42,
            0.1,
            0.318
          ],
          "probability_of_default": 0.253985610845,
          "survival_probability": 0.746014389155,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 40,
        "value": 0.257846110806,
        "value_label": "25.785%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 25.785%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.1
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.65,
          "feature_contributions": [
            0.42,
            0.1,
            0.33
          ],
          "probability_of_default": 0.257846110806,
          "survival_probability": 0.742153889194,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 41,
        "value": 0.261736840044,
        "value_label": "26.174%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 26.174%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.14
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.638,
          "feature_contributions": [
            0.42,
            0.1,
            0.342
          ],
          "probability_of_default": 0.261736840044,
          "survival_probability": 0.738263159956,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 42,
        "value": 0.265657470664,
        "value_label": "26.566%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 26.566%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.18
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.626,
          "feature_contributions": [
            0.42,
            0.1,
            0.354
          ],
          "probability_of_default": 0.265657470664,
          "survival_probability": 0.734342529336,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 43,
        "value": 0.269607663603,
        "value_label": "26.961%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 26.961%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.22
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.614,
          "feature_contributions": [
            0.42,
            0.1,
            0.366
          ],
          "probability_of_default": 0.269607663603,
          "survival_probability": 0.730392336397,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 44,
        "value": 0.273587068698,
        "value_label": "27.359%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 27.359%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.26
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.602,
          "feature_contributions": [
            0.42,
            0.1,
            0.378
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          "probability_of_default": 0.273587068698,
          "survival_probability": 0.726412931302,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 45,
        "value": 0.277595324753,
        "value_label": "27.760%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 27.760%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.3
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.59,
          "feature_contributions": [
            0.42,
            0.1,
            0.39
          ],
          "probability_of_default": 0.277595324753,
          "survival_probability": 0.722404675247,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 46,
        "value": 0.281632059616,
        "value_label": "28.163%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 28.163%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.34
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.578,
          "feature_contributions": [
            0.42,
            0.1,
            0.402
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          "probability_of_default": 0.281632059616,
          "survival_probability": 0.718367940384,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 47,
        "value": 0.285696890258,
        "value_label": "28.570%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 28.570%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.38
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.566,
          "feature_contributions": [
            0.42,
            0.1,
            0.414
          ],
          "probability_of_default": 0.285696890258,
          "survival_probability": 0.714303109742,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 48,
        "value": 0.289789422867,
        "value_label": "28.979%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 28.979%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.42
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.554,
          "feature_contributions": [
            0.42,
            0.1,
            0.426
          ],
          "probability_of_default": 0.289789422867,
          "survival_probability": 0.710210577133,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 49,
        "value": 0.293909252942,
        "value_label": "29.391%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 29.391%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.46
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.542,
          "feature_contributions": [
            0.42,
            0.1,
            0.438
          ],
          "probability_of_default": 0.293909252942,
          "survival_probability": 0.706090747058,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 50,
        "value": 0.298055965395,
        "value_label": "29.806%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 29.806%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.5
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.53,
          "feature_contributions": [
            0.42,
            0.1,
            0.45
          ],
          "probability_of_default": 0.298055965395,
          "survival_probability": 0.701944034605,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 51,
        "value": 0.302229134665,
        "value_label": "30.223%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 30.223%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.54
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.518,
          "feature_contributions": [
            0.42,
            0.1,
            0.462
          ],
          "probability_of_default": 0.302229134665,
          "survival_probability": 0.697770865335,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 52,
        "value": 0.306428324833,
        "value_label": "30.643%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 30.643%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.58
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.506,
          "feature_contributions": [
            0.42,
            0.1,
            0.474
          ],
          "probability_of_default": 0.306428324833,
          "survival_probability": 0.693571675167,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 53,
        "value": 0.310653089743,
        "value_label": "31.065%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 31.065%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.62
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.494,
          "feature_contributions": [
            0.42,
            0.1,
            0.486
          ],
          "probability_of_default": 0.310653089743,
          "survival_probability": 0.689346910257,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 54,
        "value": 0.314902973135,
        "value_label": "31.490%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 31.490%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.66
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.482,
          "feature_contributions": [
            0.42,
            0.1,
            0.498
          ],
          "probability_of_default": 0.314902973135,
          "survival_probability": 0.685097026865,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 55,
        "value": 0.319177508783,
        "value_label": "31.918%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 31.918%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.7
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.47,
          "feature_contributions": [
            0.42,
            0.1,
            0.51
          ],
          "probability_of_default": 0.319177508783,
          "survival_probability": 0.680822491217,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 56,
        "value": 0.323476220634,
        "value_label": "32.348%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 32.348%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.74
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.458,
          "feature_contributions": [
            0.42,
            0.1,
            0.522
          ],
          "probability_of_default": 0.323476220634,
          "survival_probability": 0.676523779366,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 57,
        "value": 0.327798622963,
        "value_label": "32.780%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 32.780%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.78
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.446,
          "feature_contributions": [
            0.42,
            0.1,
            0.534
          ],
          "probability_of_default": 0.327798622963,
          "survival_probability": 0.672201377037,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 58,
        "value": 0.332144220526,
        "value_label": "33.214%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 33.214%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.82
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.434,
          "feature_contributions": [
            0.42,
            0.1,
            0.546
          ],
          "probability_of_default": 0.332144220526,
          "survival_probability": 0.667855779474,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 59,
        "value": 0.336512508724,
        "value_label": "33.651%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 33.651%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.86
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.422,
          "feature_contributions": [
            0.42,
            0.1,
            0.558
          ],
          "probability_of_default": 0.336512508724,
          "survival_probability": 0.663487491276,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 60,
        "value": 0.340902973772,
        "value_label": "34.090%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 34.090%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            1.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.41,
          "feature_contributions": [
            0.42,
            0.1,
            0.57
          ],
          "probability_of_default": 0.340902973772,
          "survival_probability": 0.659097026228,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      }
    ]
  },
  {
    "name": "Scale or horizon",
    "description": "Synthetic scale or horizon sweep; only declared fields change while the topic contract remains fixed.",
    "canonical_step": 30,
    "summary": {
      "focus_step": 30,
      "focus_kind": "comparison",
      "canonical_output_match": false,
      "state_counts": {
        "below-alert": 17,
        "at-or-above-alert": 44
      },
      "value_min": 0.134579794564,
      "value_max": 0.682606513359,
      "segments": [
        {
          "start_step": 0,
          "end_step": 16,
          "state": "below-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "13.458%",
          "end_value_label": "24.709%"
        },
        {
          "start_step": 17,
          "end_step": 60,
          "state": "at-or-above-alert",
          "decision": "supplied-probit-score-transformed",
          "start_value_label": "25.548%",
          "end_value_label": "68.261%"
        }
      ]
    },
    "states": [
      {
        "step": 0,
        "value": 0.134579794564,
        "value_label": "13.458%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 13.458%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.3,
            -0.1,
            0.15
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.105,
          "feature_contributions": [
            0.21,
            0.05,
            0.135
          ],
          "probability_of_default": 0.134579794564,
          "survival_probability": 0.865420205436,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 1,
        "value": 0.140368175182,
        "value_label": "14.037%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.037%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.32,
            -0.106666666667,
            0.16
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.078666666667,
          "feature_contributions": [
            0.224,
            0.053333333333,
            0.144
          ],
          "probability_of_default": 0.140368175182,
          "survival_probability": 0.859631824818,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 2,
        "value": 0.146323321744,
        "value_label": "14.632%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.632%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.34,
            -0.113333333333,
            0.17
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.052333333333,
          "feature_contributions": [
            0.238,
            0.056666666667,
            0.153
          ],
          "probability_of_default": 0.146323321744,
          "survival_probability": 0.853676678256,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 3,
        "value": 0.152445792033,
        "value_label": "15.245%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.245%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.36,
            -0.12,
            0.18
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.026,
          "feature_contributions": [
            0.252,
            0.06,
            0.162
          ],
          "probability_of_default": 0.152445792033,
          "survival_probability": 0.847554207967,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 4,
        "value": 0.158735924282,
        "value_label": "15.874%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 15.874%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.38,
            -0.126666666667,
            0.19
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.999666666667,
          "feature_contributions": [
            0.266,
            0.063333333333,
            0.171
          ],
          "probability_of_default": 0.158735924282,
          "survival_probability": 0.841264075718,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 5,
        "value": 0.16519383037,
        "value_label": "16.519%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 16.519%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.4,
            -0.133333333333,
            0.2
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.973333333333,
          "feature_contributions": [
            0.28,
            0.066666666667,
            0.18
          ],
          "probability_of_default": 0.16519383037,
          "survival_probability": 0.83480616963,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 6,
        "value": 0.171819389467,
        "value_label": "17.182%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.182%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.42,
            -0.14,
            0.21
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.947,
          "feature_contributions": [
            0.294,
            0.07,
            0.189
          ],
          "probability_of_default": 0.171819389467,
          "survival_probability": 0.828180610533,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 7,
        "value": 0.178612242167,
        "value_label": "17.861%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 17.861%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.44,
            -0.146666666667,
            0.22
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.920666666667,
          "feature_contributions": [
            0.308,
            0.073333333333,
            0.198
          ],
          "probability_of_default": 0.178612242167,
          "survival_probability": 0.821387757833,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 8,
        "value": 0.185571785139,
        "value_label": "18.557%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 18.557%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.46,
            -0.153333333333,
            0.23
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.894333333333,
          "feature_contributions": [
            0.322,
            0.076666666667,
            0.207
          ],
          "probability_of_default": 0.185571785139,
          "survival_probability": 0.814428214861,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 9,
        "value": 0.192697166322,
        "value_label": "19.270%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.270%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.48,
            -0.16,
            0.24
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.868,
          "feature_contributions": [
            0.336,
            0.08,
            0.216
          ],
          "probability_of_default": 0.192697166322,
          "survival_probability": 0.807302833678,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 10,
        "value": 0.199987280707,
        "value_label": "19.999%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 19.999%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.5,
            -0.166666666667,
            0.25
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.841666666667,
          "feature_contributions": [
            0.35,
            0.083333333333,
            0.225
          ],
          "probability_of_default": 0.199987280707,
          "survival_probability": 0.800012719293,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 11,
        "value": 0.207440766724,
        "value_label": "20.744%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.744%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.52,
            -0.173333333333,
            0.26
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.815333333333,
          "feature_contributions": [
            0.364,
            0.086666666667,
            0.234
          ],
          "probability_of_default": 0.207440766724,
          "survival_probability": 0.792559233276,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 12,
        "value": 0.215056003266,
        "value_label": "21.506%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 21.506%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.54,
            -0.18,
            0.27
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.789,
          "feature_contributions": [
            0.378,
            0.09,
            0.243
          ],
          "probability_of_default": 0.215056003266,
          "survival_probability": 0.784943996734,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 13,
        "value": 0.222831107373,
        "value_label": "22.283%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 22.283%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.56,
            -0.186666666667,
            0.28
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.762666666667,
          "feature_contributions": [
            0.392,
            0.093333333333,
            0.252
          ],
          "probability_of_default": 0.222831107373,
          "survival_probability": 0.777168892627,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 14,
        "value": 0.2307639326,
        "value_label": "23.076%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.076%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.58,
            -0.193333333333,
            0.29
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.736333333333,
          "feature_contributions": [
            0.406,
            0.096666666667,
            0.261
          ],
          "probability_of_default": 0.2307639326,
          "survival_probability": 0.7692360674,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 15,
        "value": 0.23885206809,
        "value_label": "23.885%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 23.885%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.71,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
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          "probability_of_default": 0.23885206809,
          "survival_probability": 0.76114793191,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 16,
        "value": 0.247092838367,
        "value_label": "24.709%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 24.709%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.62,
            -0.206666666667,
            0.31
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.683666666667,
          "feature_contributions": [
            0.434,
            0.103333333333,
            0.279
          ],
          "probability_of_default": 0.247092838367,
          "survival_probability": 0.752907161633,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 17,
        "value": 0.255483303868,
        "value_label": "25.548%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 25.548%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.64,
            -0.213333333333,
            0.32
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.657333333333,
          "feature_contributions": [
            0.448,
            0.106666666667,
            0.288
          ],
          "probability_of_default": 0.255483303868,
          "survival_probability": 0.744516696132,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 18,
        "value": 0.264020262218,
        "value_label": "26.402%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 26.402%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.66,
            -0.22,
            0.33
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.631,
          "feature_contributions": [
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            0.11,
            0.297
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          "probability_of_default": 0.264020262218,
          "survival_probability": 0.735979737782,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 19,
        "value": 0.272700250272,
        "value_label": "27.270%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 27.270%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.68,
            -0.226666666667,
            0.34
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.604666666667,
          "feature_contributions": [
            0.476,
            0.113333333333,
            0.306
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          "probability_of_default": 0.272700250272,
          "survival_probability": 0.727299749728,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 20,
        "value": 0.281519546916,
        "value_label": "28.152%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 28.152%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.7,
            -0.233333333333,
            0.35
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.578333333333,
          "feature_contributions": [
            0.49,
            0.116666666667,
            0.315
          ],
          "probability_of_default": 0.281519546916,
          "survival_probability": 0.718480453084,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 21,
        "value": 0.290474176635,
        "value_label": "29.047%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 29.047%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.72,
            -0.24,
            0.36
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.552,
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            0.504,
            0.12,
            0.324
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          "probability_of_default": 0.290474176635,
          "survival_probability": 0.709525823365,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 22,
        "value": 0.299559913856,
        "value_label": "29.956%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 29.956%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.74,
            -0.246666666667,
            0.37
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.525666666667,
          "feature_contributions": [
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            0.123333333333,
            0.333
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          "probability_of_default": 0.299559913856,
          "survival_probability": 0.700440086144,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 23,
        "value": 0.308772288049,
        "value_label": "30.877%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 30.877%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.76,
            -0.253333333333,
            0.38
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.499333333333,
          "feature_contributions": [
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            0.126666666667,
            0.342
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          "probability_of_default": 0.308772288049,
          "survival_probability": 0.691227711951,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 24,
        "value": 0.318106589589,
        "value_label": "31.811%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 31.811%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.78,
            -0.26,
            0.39
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.473,
          "feature_contributions": [
            0.546,
            0.13,
            0.351
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          "probability_of_default": 0.318106589589,
          "survival_probability": 0.681893410411,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 25,
        "value": 0.32755787637,
        "value_label": "32.756%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 32.756%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.8,
            -0.266666666667,
            0.4
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.446666666667,
          "feature_contributions": [
            0.56,
            0.133333333333,
            0.36
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          "probability_of_default": 0.32755787637,
          "survival_probability": 0.67244212363,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 26,
        "value": 0.337120981149,
        "value_label": "33.712%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 33.712%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.82,
            -0.273333333333,
            0.41
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          "alert_threshold": 0.25
        },
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          "latent_score": -0.420333333333,
          "feature_contributions": [
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            0.136666666667,
            0.369
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          "probability_of_default": 0.337120981149,
          "survival_probability": 0.662879018851,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 27,
        "value": 0.346790519617,
        "value_label": "34.679%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 34.679%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.84,
            -0.28,
            0.42
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.394,
          "feature_contributions": [
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            0.14,
            0.378
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          "probability_of_default": 0.346790519617,
          "survival_probability": 0.653209480383,
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          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 28,
        "value": 0.356560899169,
        "value_label": "35.656%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 35.656%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
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          "features": [
            0.86,
            -0.286666666667,
            0.43
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        },
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          "latent_score": -0.367666666667,
          "feature_contributions": [
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            0.143333333333,
            0.387
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          "survival_probability": 0.643439100831,
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          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 29,
        "value": 0.366426328344,
        "value_label": "36.643%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 36.643%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.88,
            -0.293333333333,
            0.44
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.341333333333,
          "feature_contributions": [
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            0.146666666667,
            0.396
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          "probability_of_default": 0.366426328344,
          "survival_probability": 0.633573671656,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 30,
        "value": 0.376380826933,
        "value_label": "37.638%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 37.638%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.9,
            -0.3,
            0.45
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.315,
          "feature_contributions": [
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            0.15,
            0.405
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          "probability_of_default": 0.376380826933,
          "survival_probability": 0.623619173067,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 31,
        "value": 0.386418236694,
        "value_label": "38.642%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 38.642%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.92,
            -0.306666666667,
            0.46
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        },
        "output": {
          "latent_score": -0.288666666667,
          "feature_contributions": [
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            0.153333333333,
            0.414
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          "probability_of_default": 0.386418236694,
          "survival_probability": 0.613581763306,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 32,
        "value": 0.396532232676,
        "value_label": "39.653%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 39.653%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.94,
            -0.313333333333,
            0.47
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.262333333333,
          "feature_contributions": [
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            0.156666666667,
            0.423
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          "probability_of_default": 0.396532232676,
          "survival_probability": 0.603467767324,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 33,
        "value": 0.406716335087,
        "value_label": "40.672%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 40.672%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.96,
            -0.32,
            0.48
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.236,
          "feature_contributions": [
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            0.16,
            0.432
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          "probability_of_default": 0.406716335087,
          "survival_probability": 0.593283664913,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 34,
        "value": 0.416963921694,
        "value_label": "41.696%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 41.696%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.98,
            -0.326666666667,
            0.49
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.209666666667,
          "feature_contributions": [
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            0.163333333333,
            0.441
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          "probability_of_default": 0.416963921694,
          "survival_probability": 0.583036078306,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 35,
        "value": 0.427268240697,
        "value_label": "42.727%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 42.727%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.0,
            -0.333333333333,
            0.5
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.183333333333,
          "feature_contributions": [
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            0.166666666667,
            0.45
          ],
          "probability_of_default": 0.427268240697,
          "survival_probability": 0.572731759303,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 36,
        "value": 0.437622424051,
        "value_label": "43.762%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 43.762%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.02,
            -0.34,
            0.51
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.157,
          "feature_contributions": [
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            0.17,
            0.459
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          "probability_of_default": 0.437622424051,
          "survival_probability": 0.562377575949,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 37,
        "value": 0.448019501179,
        "value_label": "44.802%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 44.802%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.04,
            -0.346666666667,
            0.52
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.130666666667,
          "feature_contributions": [
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            0.173333333333,
            0.468
          ],
          "probability_of_default": 0.448019501179,
          "survival_probability": 0.551980498821,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 38,
        "value": 0.458452413039,
        "value_label": "45.845%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 45.845%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.06,
            -0.353333333333,
            0.53
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.104333333333,
          "feature_contributions": [
            0.742,
            0.176666666667,
            0.477
          ],
          "probability_of_default": 0.458452413039,
          "survival_probability": 0.541547586961,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 39,
        "value": 0.468914026497,
        "value_label": "46.891%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 46.891%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.08,
            -0.36,
            0.54
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.078,
          "feature_contributions": [
            0.756,
            0.18,
            0.486
          ],
          "probability_of_default": 0.468914026497,
          "survival_probability": 0.531085973503,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 40,
        "value": 0.479397148948,
        "value_label": "47.940%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 47.940%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.1,
            -0.366666666667,
            0.55
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.051666666667,
          "feature_contributions": [
            0.77,
            0.183333333333,
            0.495
          ],
          "probability_of_default": 0.479397148948,
          "survival_probability": 0.520602851052,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 41,
        "value": 0.489894543151,
        "value_label": "48.989%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 48.989%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.12,
            -0.373333333333,
            0.56
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.025333333333,
          "feature_contributions": [
            0.784,
            0.186666666667,
            0.504
          ],
          "probability_of_default": 0.489894543151,
          "survival_probability": 0.510105456849,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 42,
        "value": 0.500398942214,
        "value_label": "50.040%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 50.040%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.14,
            -0.38,
            0.57
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.001,
          "feature_contributions": [
            0.798,
            0.19,
            0.513
          ],
          "probability_of_default": 0.500398942214,
          "survival_probability": 0.499601057786,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 43,
        "value": 0.51090306468,
        "value_label": "51.090%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 51.090%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.16,
            -0.386666666667,
            0.58
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.027333333333,
          "feature_contributions": [
            0.812,
            0.193333333333,
            0.522
          ],
          "probability_of_default": 0.51090306468,
          "survival_probability": 0.48909693532,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 44,
        "value": 0.52139962967,
        "value_label": "52.140%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 52.140%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.18,
            -0.393333333333,
            0.59
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.053666666667,
          "feature_contributions": [
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            0.196666666667,
            0.531
          ],
          "probability_of_default": 0.52139962967,
          "survival_probability": 0.47860037033,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 45,
        "value": 0.531881372014,
        "value_label": "53.188%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 53.188%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.2,
            -0.4,
            0.6
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.08,
          "feature_contributions": [
            0.84,
            0.2,
            0.54
          ],
          "probability_of_default": 0.531881372014,
          "survival_probability": 0.468118627986,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 46,
        "value": 0.542341057337,
        "value_label": "54.234%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 54.234%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.22,
            -0.406666666667,
            0.61
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.106333333333,
          "feature_contributions": [
            0.854,
            0.203333333333,
            0.549
          ],
          "probability_of_default": 0.542341057337,
          "survival_probability": 0.457658942663,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 47,
        "value": 0.552771497033,
        "value_label": "55.277%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 55.277%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.24,
            -0.413333333333,
            0.62
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.132666666667,
          "feature_contributions": [
            0.868,
            0.206666666667,
            0.558
          ],
          "probability_of_default": 0.552771497033,
          "survival_probability": 0.447228502967,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 48,
        "value": 0.563165563084,
        "value_label": "56.317%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 56.317%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.26,
            -0.42,
            0.63
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.159,
          "feature_contributions": [
            0.882,
            0.21,
            0.567
          ],
          "probability_of_default": 0.563165563084,
          "survival_probability": 0.436834436916,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 49,
        "value": 0.573516202667,
        "value_label": "57.352%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 57.352%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.28,
            -0.426666666667,
            0.64
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.185333333333,
          "feature_contributions": [
            0.896,
            0.213333333333,
            0.576
          ],
          "probability_of_default": 0.573516202667,
          "survival_probability": 0.426483797333,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 50,
        "value": 0.583816452504,
        "value_label": "58.382%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 58.382%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.3,
            -0.433333333333,
            0.65
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.211666666667,
          "feature_contributions": [
            0.91,
            0.216666666667,
            0.585
          ],
          "probability_of_default": 0.583816452504,
          "survival_probability": 0.416183547496,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 51,
        "value": 0.594059452899,
        "value_label": "59.406%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 59.406%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.32,
            -0.44,
            0.66
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.238,
          "feature_contributions": [
            0.924,
            0.22,
            0.594
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          "probability_of_default": 0.594059452899,
          "survival_probability": 0.405940547101,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 52,
        "value": 0.604238461433,
        "value_label": "60.424%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 60.424%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.34,
            -0.446666666667,
            0.67
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.264333333333,
          "feature_contributions": [
            0.938,
            0.223333333333,
            0.603
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          "probability_of_default": 0.604238461433,
          "survival_probability": 0.395761538567,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 53,
        "value": 0.614346866245,
        "value_label": "61.435%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 61.435%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.36,
            -0.453333333333,
            0.68
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          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.290666666667,
          "feature_contributions": [
            0.952,
            0.226666666667,
            0.612
          ],
          "probability_of_default": 0.614346866245,
          "survival_probability": 0.385653133755,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 54,
        "value": 0.624378198873,
        "value_label": "62.438%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 62.438%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.38,
            -0.46,
            0.69
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.317,
          "feature_contributions": [
            0.966,
            0.23,
            0.621
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          "probability_of_default": 0.624378198873,
          "survival_probability": 0.375621801127,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 55,
        "value": 0.634326146618,
        "value_label": "63.433%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 63.433%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.4,
            -0.466666666667,
            0.7
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.343333333333,
          "feature_contributions": [
            0.98,
            0.233333333333,
            0.63
          ],
          "probability_of_default": 0.634326146618,
          "survival_probability": 0.365673853382,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 56,
        "value": 0.644184564372,
        "value_label": "64.418%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 64.418%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.42,
            -0.473333333333,
            0.71
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.369666666667,
          "feature_contributions": [
            0.994,
            0.236666666667,
            0.639
          ],
          "probability_of_default": 0.644184564372,
          "survival_probability": 0.355815435628,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 57,
        "value": 0.653947485889,
        "value_label": "65.395%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 65.395%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.44,
            -0.48,
            0.72
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.396,
          "feature_contributions": [
            1.008,
            0.24,
            0.648
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          "probability_of_default": 0.653947485889,
          "survival_probability": 0.346052514111,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 58,
        "value": 0.663609134468,
        "value_label": "66.361%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 66.361%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.46,
            -0.486666666667,
            0.73
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.422333333333,
          "feature_contributions": [
            1.022,
            0.243333333333,
            0.657
          ],
          "probability_of_default": 0.663609134468,
          "survival_probability": 0.336390865532,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 59,
        "value": 0.673163932998,
        "value_label": "67.316%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 67.316%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.5,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            1.48,
            -0.493333333333,
            0.74
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.448666666667,
          "feature_contributions": [
            1.036,
            0.246666666667,
            0.666
          ],
          "probability_of_default": 0.673163932998,
          "survival_probability": 0.326836067002,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 60,
        "value": 0.682606513359,
        "value_label": "68.261%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
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          "survival_probability": 0.946301071852,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 22,
        "value": 0.089582031613,
        "value_label": "8.958%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 8.958%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -2.133333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.343333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.089582031613,
          "survival_probability": 0.910417968387,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 23,
        "value": 0.140814604565,
        "value_label": "14.081%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 14.081%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.866666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -1.076666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.140814604565,
          "survival_probability": 0.859185395435,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 24,
        "value": 0.208970087872,
        "value_label": "20.897%",
        "state": "below-alert",
        "diagnostic": "below-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 20.897%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.6,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.81,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.208970087872,
          "survival_probability": 0.791029912128,
          "alert_threshold": 0.25,
          "state": "below-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 25,
        "value": 0.293450158837,
        "value_label": "29.345%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 29.345%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.333333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.543333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.293450158837,
          "survival_probability": 0.706549841163,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 26,
        "value": 0.391018034622,
        "value_label": "39.102%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 39.102%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -1.066666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.276666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.391018034622,
          "survival_probability": 0.608981965378,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 27,
        "value": 0.496010643685,
        "value_label": "49.601%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 49.601%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.8,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": -0.01,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.496010643685,
          "survival_probability": 0.503989356315,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 28,
        "value": 0.601281947094,
        "value_label": "60.128%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 60.128%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.533333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.256666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.601281947094,
          "survival_probability": 0.398718052906,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 29,
        "value": 0.699628845839,
        "value_label": "69.963%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 69.963%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": -0.266666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.523333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.699628845839,
          "survival_probability": 0.300371154161,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 30,
        "value": 0.785236115836,
        "value_label": "78.524%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 78.524%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.0,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 0.79,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.785236115836,
          "survival_probability": 0.214763884164,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 31,
        "value": 0.854668128513,
        "value_label": "85.467%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 85.467%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.266666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.056666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.854668128513,
          "survival_probability": 0.145331871487,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 32,
        "value": 0.907137724374,
        "value_label": "90.714%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 90.714%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.533333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.323333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.907137724374,
          "survival_probability": 0.092862275626,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 33,
        "value": 0.944082597481,
        "value_label": "94.408%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 94.408%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 0.8,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.59,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.944082597481,
          "survival_probability": 0.055917402519,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 34,
        "value": 0.968320703649,
        "value_label": "96.832%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 96.832%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 1.066666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 1.856666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.968320703649,
          "survival_probability": 0.031679296351,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 35,
        "value": 0.983137035328,
        "value_label": "98.314%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 98.314%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 1.333333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 2.123333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.983137035328,
          "survival_probability": 0.016862964672,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 36,
        "value": 0.991575813601,
        "value_label": "99.158%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.158%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 1.6,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 2.39,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.991575813601,
          "survival_probability": 0.008424186399,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 37,
        "value": 0.996054128448,
        "value_label": "99.605%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.605%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 1.866666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 2.656666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.996054128448,
          "survival_probability": 0.003945871552,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 38,
        "value": 0.998268472173,
        "value_label": "99.827%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.827%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 2.133333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 2.923333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.998268472173,
          "survival_probability": 0.001731527827,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 39,
        "value": 0.999288636031,
        "value_label": "99.929%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.929%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 2.4,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 3.19,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.999288636031,
          "survival_probability": 0.000711363969,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 40,
        "value": 0.999726549553,
        "value_label": "99.973%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.973%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 2.666666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 3.456666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.999726549553,
          "survival_probability": 0.000273450447,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 41,
        "value": 0.999901695166,
        "value_label": "99.990%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.990%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 2.933333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 3.723333333333,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.999901695166,
          "survival_probability": 9.8304834e-05,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 42,
        "value": 0.999966963352,
        "value_label": "99.997%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.997%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 3.2,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 3.99,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.999966963352,
          "survival_probability": 3.3036648e-05,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 43,
        "value": 0.999989625132,
        "value_label": "99.999%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 99.999%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 3.466666666667,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
          "latent_score": 4.256666666667,
          "feature_contributions": [
            0.42,
            0.1,
            0.27
          ],
          "probability_of_default": 0.999989625132,
          "survival_probability": 1.0374868e-05,
          "alert_threshold": 0.25,
          "state": "at-or-above-alert",
          "reason": "supplied-probit-score-transformed"
        }
      },
      {
        "step": 44,
        "value": 0.999996956337,
        "value_label": "100.000%",
        "state": "at-or-above-alert",
        "diagnostic": "at-or-above-alert: supplied-probit-score-transformed",
        "guidance": "Inspect the intermediate components before interpreting 100.000%; definition, horizon, clocks, and calibration remain part of the output.",
        "input": {
          "intercept": 3.733333333333,
          "coefficients": [
            0.7,
            -0.5,
            0.9
          ],
          "features": [
            0.6,
            -0.2,
            0.3
          ],
          "alert_threshold": 0.25
        },
        "output": {
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