<?xml version="1.0" encoding="UTF-8"?>
<smile version="1.0" id="Credit" numsamples="1000" discsamples="10000">
	<nodes>
		<cpt id="PaymentHistory">
			<state id="Excellent" />
			<state id="Aceptable" />
			<state id="NoAceptable" />
			<state id="Without_Reference" />
			<probabilities>0.25 0.25 0.25 0.25</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="WorkHistory">
			<state id="Stable" />
			<state id="Unstable" />
			<state id="Justified_no_work" />
			<state id="Unjustified_no_work" />
			<probabilities>0.25 0.25 0.25 0.25</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="Reliability">
			<state id="Reliable" />
			<state id="Unreliable" />
			<parents>PaymentHistory WorkHistory</parents>
			<probabilities>0.99 0.01 0.7 0.3 0.7 0.3 0.5 0.5 0.7 0.3 0.55 0.45 0.6 0.4 0.4 0.6 0.196429 0.803571 0.01 0.99 0.1 0.9 0.01 0.99 0.7 0.3 0.3 0.7 0.5 0.5 0.2 0.8</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="Debit">
			<state id="" />
			<state id="" />
			<state id="" />
			<intervals>0 11100 25900 50000</intervals>
			<probabilities>0.3333333333333333 0.3333333333333333 0.3333333333333334</probabilities>
			<property id="DSL_OUTCOME_ORDER">1</property>
		</cpt>
		<cpt id="Income">
			<state id="" />
			<state id="" />
			<state id="" />
			<intervals>0 30000 70000 200000</intervals>
			<probabilities>0.3333333333333333 0.3333333333333333 0.3333333333333334</probabilities>
			<property id="DSL_OUTCOME_ORDER">1</property>
		</cpt>
		<cpt id="RatioDebInc">
			<state id="Favorable" />
			<state id="Unfavorable" />
			<parents>Debit Income</parents>
			<probabilities>0.5 0.5 0.8 0.2 0.999 0.001 0.001 0.999 0.5 0.5 0.8 0.2 0.001 0.999 0.1 0.9 0.5 0.5</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="Assets">
			<state id="wealthy" />
			<state id="average" />
			<state id="poor" />
			<probabilities>0.333333 0.333333 0.333333</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="Worth">
			<state id="High" />
			<state id="Medium" />
			<state id="Low" />
			<parents>Income Assets</parents>
			<probabilities>0.899 0.1 0.001 0.001 0.3 0.699 0.001 0.1 0.899 0.989 0.01 0.001 0.699 0.3 0.001 0.1 0.8 0.1 0.989 0.01 0.001 0.90734 0.09174300000000001 0.0009170000000000001 0.6899999999999999 0.3 0.01</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="Profession">
			<state id="High_income_profession" />
			<state id="Medium_income_profession" />
			<state id="Low_income_profession" />
			<probabilities>0.333333 0.333333 0.333333</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="FutureIncome">
			<state id="Promissing" />
			<state id="Not_promissing" />
			<parents>Worth Profession</parents>
			<probabilities>0.99 0.01 0.8 0.2 0.6 0.4 0.85 0.15 0.6 0.4 0.4 0.6 0.8 0.2 0.4 0.6 0.01 0.99</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
		<cpt id="Age">
			<state id="" />
			<state id="" />
			<state id="" />
			<intervals>16 21 65 100</intervals>
			<probabilities>0.3333333333333333 0.3333333333333333 0.3333333333333334</probabilities>
			<property id="DSL_OUTCOME_ORDER">1</property>
		</cpt>
		<cpt id="CreditWorthiness">
			<state id="Positive" />
			<state id="Negative" />
			<parents>Reliability RatioDebInc FutureIncome Age</parents>
			<probabilities>0.9 0.1 0.908257 0.09174300000000001 0.8 0.2 0.7 0.3 0.8 0.2 0.6 0.4 0.7 0.3 0.7272729999999999 0.272727 0.7 0.3 0.25 0.75 0.4 0.6 0.25 0.75 0.7 0.3 0.8 0.2 0.5 0.5 0.3 0.7 0.4 0.6 0.2 0.8 0.5 0.5 0.5 0.5 0.4 0.6 0.001 0.999 0.001 0.999 0.001 0.999</probabilities>
			<property id="DSL_OUTCOME_ORDER">-1</property>
		</cpt>
	</nodes>
	<extensions>
		<genie version="1.0" app="GeNIe 3.1.7724.2 1d86fb85fd6ae00" name="Credit worthiness assessment network by Gerardina Hernandez">
			<comment>A simple network for assessing credit worthiness of an individual. Note that all parentless nodes are described by uniform distributions. This is a weakness of the model, although it is offset by the fact that all these nodes will usually be observed and the network will compute the probability distribution over credit worthiness correctly. Another element of this model is that only the node CreditWorthiness is of interest to the user and is designated as a target.\nReference:\nDeveloped by Gerardina Hernandez as a class homework at the University of Pittsburgh.</comment>
			<node id="PaymentHistory">
				<name>Payment History</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>332 39 430 81</position>
				<barchart active="true" width="229" height="100" />
			</node>
			<node id="WorkHistory">
				<name>Work History</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>589 39 671 81</position>
				<barchart active="true" width="248" height="100" />
			</node>
			<node id="Reliability">
				<name>Reliability</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>495 181 573 211</position>
				<barchart active="true" width="128" height="64" />
			</node>
			<node id="Debit">
				<name>Debit</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>104 35 174 65</position>
				<barchart active="true" width="171" height="80" />
			</node>
			<node id="Income">
				<name>Income</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>68 139 138 169</position>
				<barchart active="true" width="174" height="80" />
			</node>
			<node id="RatioDebInc">
				<name>Ratio of Debts to Income</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>282 153 396 206</position>
				<barchart active="true" width="176" height="64" />
			</node>
			<node id="Assets">
				<name>Assets</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>39 245 109 275</position>
				<barchart active="true" width="128" height="80" />
			</node>
			<node id="Worth">
				<name>Worth</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>236 270 306 300</position>
				<barchart active="true" width="128" height="80" />
			</node>
			<node id="Profession">
				<name>Profession</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>131 366 214 396</position>
				<barchart active="true" width="327" height="80" />
			</node>
			<node id="FutureIncome">
				<name>Future Income</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>460 369 548 409</position>
				<barchart active="true" width="195" height="64" />
			</node>
			<node id="Age">
				<name>Age</name>
				<interior color="e5f6f7" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>648 188 718 218</position>
				<barchart active="true" width="128" height="80" />
			</node>
			<node id="CreditWorthiness">
				<name>Credit Worthiness</name>
				<interior color="ffff00" />
				<outline color="0000bb" />
				<font color="000080" name="Arial" size="10" />
				<position>655 362 750 416</position>
				<barchart active="true" width="128" height="64" />
			</node>
			<textbox>
				<caption>A simple network for assessing credit worthiness of an individual, developed by Gerardina Hernandez as a class homework at the University of Pittsburgh.\nNote that all parentless nodes are described by uniform distributions. This is a weakness of the model, although it is offset by the fact that all these nodes will usually be observed and the network will compute the probability distribution over credit worthiness correctly.\nAnother element of this model is that only the node CreditWorthiness is of interest to the user and is designated as a target.\n</caption>
				<font color="333399" name="Arial" size="12" bold="true" />
				<position>782 28 1135 275</position>
			</textbox>
		</genie>
	</extensions>
</smile>
