nmonte,hullwhite (1=true, 0 otherwise),,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
10000,0,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
mature_o,mature_c,repay_period,timesincereset,prepayprob,deferprob,deferlen,ratefixed_o,ratefixed_c,raterefmat_o,raterefmat_c,subsinterest,subsinterest_df,SAPfloor,r3,r10,initialrefrate,r_bar,beta,sigmashock,lr_rate,beta2,sigmashock2,lr_rate2,cap,prepay,spread,spread_c,cptspread,lendspreadb,lendspreada,consolfee,consolorigfee,guar_pct,prin0,serviced,serviceg,gracedisc,gracedisc_lend,conrateatcap,conratesens,conrateatcap_g,conratesens_g,conratedecay,conratedecay_g,prepay_beta0,prepay_beta1,prepay_beta2,prepay_beta3,prem,prem_c,dflt_pg_o,dflt_pb_o,dflt_pg_c,dflt_pb_c,dflt_rg_o,dflt_rb_o,dflt_rg_c,dflt_rb_c,Description
maturity of original loan (months),maturity of consolidation loan (months),time in months when repayment begins,time in months since last interest rate reset,monthly prob of prepayment,monthly prob of deferment,length of time in deferment,0=variable rate; 1=fixed rate,0=variable rate; 1=fixed rate,>0; relevant maturity of yield curve for reference rate,>0; relevant maturity of yield curve for reference rate,"1= subsidized interest during grace, 0 otherwise","1= subsidized interest during grace, 0 otherwise",student rate is floor on lender interest rate in FFEL,initial 3mo,initial 10y,reference rate at time of last reset,, annual speed of mean reversion in short rate (see pg 233 Tuckman),vol of annual rate adjusted for CIR,long-run mean reverting level of short rate, annual speed of mean reversion in short rate (see pg 233 Tuckman),vol of annual rate adjusted for CIR,long-run mean reverting level of short rate,rate cap (annual) - in terms of Treasury rate (without spread),monthly rate of prepayment,spread over Treasury paid by students on private loans;  NB: if refratemat=0 then this is a fixed rate,spread paid on consolidated loans,3mo Commercial paper spread over 3mo Treasury,spread paid to lenders above commercial paper before consolidation (after grace) (p.a.),spread paid to lenders above commercial paper after consolidation (p.a.), consolidation fee paid by lenders to govt (per annum), consolidation fee paid by lenders to govt (one time),percentage of accrued principal/interest guaranteed by feds in FFEL program,initial principal,annual fixed servicing cost in direct program,annual fixed servicing cost in guaranteed program,reduction of student rate and lender rate during grace period,parameter for consolidation choice model,parameter for consolidation choice model,parameter for consolidation choice model,parameter for consolidation choice model,parameter for consolidation choice model,parameter for consolidation choice model,risk premium on original defaultable loan,Prepayment model constant,Prepayment model interest rate sensitivity,Prepayment model time sensitivity,Prepayment model interaction between time and rate,risk premium on consolidated defaultable loan,monthly default probability in good state (original loan),monthly default probability in bad state (original loan),monthly default probability in good state (consol loan),monthly default probability in bad state (consol loan),proportion of principal recovered in good state (original loan),proportion of principal recovered in bad state (original loan),proportion of principal recovered in good state (consol loan),proportion of principal recovered in bad state (consol loan),,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Base case simulation - 2% risk premium; 1% p.a. default losses; 0.6% admin costs in DL; CP rate is relevant risk free rate in both programs. # prepayment is more frequent for shorter term borrowers,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#No interest rate response,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.283264,0,0.069504,0,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-3.137416,0,0.061504,0,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.504488,0,0.045504,0,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.283264,0,0.069504,0,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-3.137416,0,0.061504,0,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.504488,0,0.045504,0,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
# Extension replaces consolidation. prepayment is more frequent for shorter term borrowers,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,300,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,300,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,300,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,300,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#High market risk premium,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskpremhi.csv,riskpremhi.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskpremhi.csv,riskpremhi.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskpremhi.csv,riskpremhi.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskpremhi.csv,riskpremhi.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskpremhi.csv,riskpremhi.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskpremhi.csv,riskpremhi.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,recovery_premhi.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
# Low market risk premium,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,recovery_premlo.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#No defaults and no risk premium - As reported by ED,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,recovery_premcra.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Accelerated Loan lifetimes,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
90,90,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-1.962384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
90,180,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.743,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
90,270,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-2.963,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
90,90,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-1.962384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
90,180,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.743,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
90,270,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-2.963,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Extended Loan Lifetimes,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
150,150,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.262384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
150,300,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-3.043,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
150,450,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.263,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
150,150,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.262384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
150,300,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-3.043,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
150,450,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.263,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
"#uniform prepayment speeds, prepayment is more frequent for shorter term borrowers",,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_avg.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_avg.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_avg.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_avg.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_avg.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_avg.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Direct program has financing advantage given by CP/T-bill spread,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Rate sensitive repayment,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Not ready for prime time…,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
###############################################,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#POLICY ALTERNATIVES,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
###############################################,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Current CP rules less 0.5%,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0184,0.0214,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0184,0.0214,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0184,0.0214,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0184,0.0214,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0184,0.0214,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0184,0.0214,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Current CP rules less 1.0%,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0134,0.0164,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0134,0.0164,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0134,0.0164,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0134,0.0164,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0134,0.0164,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0134,0.0164,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Floating rates as under 1998-2006 law,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,12,0,prepay_lo.csv,defer.csv,36,0,1,0.25,0.25,0,0,1,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-1.41,-0.02243,-1.41,-0.02243,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
180,240,12,0,prepay_med.csv,defer.csv,36,0,1,0.25,0.25,0,0,1,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-0.019,-0.14408,-0.019,-0.14408,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
240,360,12,0,prepay_hi.csv,defer.csv,36,0,1,0.25,0.25,0,0,1,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,0.769,-0.23638,0.769,-0.23638,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,12,0,prepay_lo.csv,defer.csv,36,0,1,0.25,0.25,1,1,1,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-1.41,-0.02243,-1.41,-0.02243,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
180,240,12,0,prepay_med.csv,defer.csv,36,0,1,0.25,0.25,1,1,1,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-0.019,-0.14408,-0.019,-0.14408,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
240,360,12,0,prepay_hi.csv,defer.csv,36,0,1,0.25,0.25,1,1,1,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,0.769,-0.23638,0.769,-0.23638,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Floating rates but without SAP floor,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,12,0,prepay_lo.csv,defer.csv,36,0,1,0.25,0.25,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-1.41,-0.02243,-1.41,-0.02243,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,12,0,prepay_med.csv,defer.csv,36,0,1,0.25,0.25,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-0.019,-0.14408,-0.019,-0.14408,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,12,0,prepay_hi.csv,defer.csv,36,0,1,0.25,0.25,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,0.769,-0.23638,0.769,-0.23638,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,12,0,prepay_lo.csv,defer.csv,36,0,1,0.25,0.25,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-1.41,-0.02243,-1.41,-0.02243,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,12,0,prepay_med.csv,defer.csv,36,0,1,0.25,0.25,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,-0.019,-0.14408,-0.019,-0.14408,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,12,0,prepay_hi.csv,defer.csv,36,0,1,0.25,0.25,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.023,0.023,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0.006,0.006,0.769,-0.23638,0.769,-0.23638,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#3.4% Interest rate on all new loans -without interest rate response,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.035,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.035,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.035,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.035,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.035,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.035,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#3.4% Interest rate on all new loans - With interest rate response on extensions and prepayment,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.034,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.262524,0,-1.262524,0,-0.03,0,-2.447692,-7.36,0.104252,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.034,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.698744,0,-0.698744,0,-0.09,0,-2.893,-8.892,0.096252,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.034,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.538384,0,-0.538384,0,-0.16,0,-3.113,-11.956,0.080252,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.034,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.262524,0,-1.262524,0,-0.03,0,-2.447692,-7.36,0.104252,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.034,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.698744,0,-0.698744,0,-0.09,0,-2.893,-8.892,0.096252,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.034,0.034,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.538384,0,-0.538384,0,-0.16,0,-3.113,-11.956,0.080252,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#90% Federal Guarantee,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.9,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.9,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.9,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.9,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.9,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.9,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#75% federal guarantee,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.75,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.75,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.75,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.75,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.03,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.75,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.09,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.75,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.16,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,recovery_prem.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
######################################################################,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
# Decomposition of Cost into Components,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
######################################################################,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Base case simulation - 2% risk premium; 1% p.a. default losses; 0.6% admin costs in DL; CP rate is relevant risk free rate in both programs,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.006,0.001,0,0.006,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Remove federal admin fees,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0.0234,0.0264,0.0105,0.001,0.98,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Remove Lender Payments in guaranteed,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0.001,0.98,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0.001,0.98,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0.001,0.98,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0.001,0.98,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0.001,0.98,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0.001,0.98,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Other Fees,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,0.98,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,0.98,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,0.98,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,0.98,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,0.98,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,0.98,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Guarantee %,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,1,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,1,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,1,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,1,100,0.003,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,1,100,0.003,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0.003,0,0,0,0,1,100,0.003,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Liquidity,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskprem.csv,riskprem.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Market Credit Risk Premium,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskpremlo.csv,riskpremlo.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub
#,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
#Default Losses,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr unsub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr unsub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,0,0,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr unsub
120,120,24,0,prepay_lo.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-1.562524,0,-1.562524,0,-0.029,0,-2.112384,-7.36,0.069504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,10yr sub
120,240,24,0,prepay_med.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.998744,0,-0.998744,0,-0.061,0,-2.893,-8.892,0.061504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,20yr sub
120,360,24,0,prepay_hi.csv,defer.csv,36,1,1,0,0,1,1,0,0.0471,0.0512,0.0471,-0.254,0.39162,0.0155,0.2732649,-0.00589,0.03906,-0.143551783,0.0825,0,0.068,0.06875,0,0,0,0,0,1,100,0,0,0,0,-0.838384,0,-0.838384,0,-0.08,0,-3.113,-11.956,0.045504,0.76,riskpremcra.csv,riskpremcra.csv,pr_dflt_good.csv,pr_dflt_bad.csv,pr_dflt_good.csv,pr_dflt_bad.csv,recovery.csv,recovery.csv,recovery.csv,recovery.csv,30yr sub