Test Borrowing Default (Save + Borr Distribution)

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@seealso

Contents

Set Shared Parameters

% Accuracy
ar_fl_z_r_borr_n_hg = 3:5:17;
ar_it_a_n_hg = zeros([1,length(ar_fl_z_r_borr_n_hg)]) + 750;

Test Minimum Consumption with Defaults, Vary Borrow Bound

As Borrowing bound relaxes, more borrowing. As borrowing bound is relaxed, the fraction of people defaulting is increasing. pYisMINY captures fraction of households defaulting. Note that this fraction was close to almost exactly zero when default was not allowed due to the natural borrowing constraint.

Much greater consumption variance, is this calculated correctly?, when there is relaxed borrowing constraint. Consumption is not calculated correctly for borrowing.

close all;

it_size = 4;

% default or not
bl_default = true;
ar_bl_default = zeros([1,it_size]) + bl_default;
% cmin
fl_c_min = 0.025;
ar_fl_c_min = zeros([1,it_size]) + fl_c_min;
% borrow bound
ar_fl_b_bd = linspace(-20, -5, it_size);
% ar_fl_b_bd = zeros([1,it_size]) + fl_b_bd;
% fl_z_r_borr_poiss_mean
fl_z_r_borr_poiss_mean = 0.10;
% ar_fl_z_r_borr_poiss_mean = linspace(0.20, 0.025, it_size);
ar_fl_z_r_borr_poiss_mean = zeros([1,it_size]) + fl_z_r_borr_poiss_mean;

% Simulate Model with Discount = 0.85
for it_cur_param = 1:1:length(ar_bl_default)

    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp(['ar_bl_default = ' num2str(ar_bl_default(it_cur_param))]);
    disp(['ar_fl_c_min = ' num2str(ar_fl_c_min(it_cur_param))]);
    disp(['ar_fl_b_bd = ' num2str(ar_fl_b_bd(it_cur_param))]);
    disp(['ar_fl_z_r_borr_poiss_mean = ' num2str(ar_fl_z_r_borr_poiss_mean(it_cur_param))]);
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('');
    disp('');
    disp('');
    disp('');

    % Call Default Parameters <https://fanwangecon.github.io/CodeDynaAsset/m_az/paramfunc/html/ffs_abz_set_default_param.html ffs_abz_set_default_param>
    bl_input_override = true;
    it_param_set = 9;
    [param_map, support_map] = ffs_abz_set_default_param(it_param_set);

    % Borrowing Parameters
    param_map('bl_default') = ar_bl_default(it_cur_param);
    param_map('fl_c_min') = ar_fl_c_min(it_cur_param);
    param_map('fl_b_bd') = ar_fl_b_bd(it_cur_param);

    % Interest Rates
    param_map('fl_z_r_borr_poiss_mean') = ar_fl_z_r_borr_poiss_mean(it_cur_param);

    % Display Parameters
    support_map('bl_display') = false;
    support_map('bl_display_final') = false;
    support_map('bl_time') = true;
    support_map('bl_profile') = false;

    support_map('bl_graph_funcgrids') = false;

    for it_accuracy = 1:length(ar_it_a_n_hg)
        % Accuracy Regular
        param_map('it_a_n') = ar_it_a_n_hg(it_accuracy);
        param_map('fl_z_r_borr_n') = ar_fl_z_r_borr_n_hg(it_accuracy);
        it_z_n = param_map('it_z_wage_n') * param_map('fl_z_r_borr_n');
        param_map('it_z_n') = it_z_n;
        disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
        disp(['it_a_n = ' num2str(ar_it_a_n_hg(it_accuracy)) ', it_z_n = ' num2str(it_z_n)]);
        disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
        % Call Grid Generator <https://fanwangecon.github.io/CodeDynaAsset/m_az/paramfunc/html/ffs_abz_get_funcgrid.html ffs_abz_get_funcgrid>
        [armt_map, func_map] = ffs_abz_get_funcgrid(param_map, support_map, bl_input_override);
        % Call Dynamic Programming Problem <https://fanwangecon.github.io/CodeDynaAsset/m_az/solve/html/ff_abz_vf_vecsv.html ff_abz_vf_vecsv>
        result_map = ff_abz_vf_vecsv(param_map, support_map, armt_map, func_map);
        % Call Distribution CProgram
        result_map = ff_az_ds_vecsv(param_map, support_map, armt_map, func_map, result_map, bl_input_override);
    end


    % Snap
    snapnow;

end

% close all
close all;
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ar_bl_default = 1
ar_fl_c_min = 0.025
ar_fl_b_bd = -20
ar_fl_z_r_borr_poiss_mean = 0.1
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it_a_n = 750, it_z_n = 33
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Elapsed time is 12.720016 seconds.
Elapsed time is 1.565045 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35         p50        p65        p75        p80        p85        p90        p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.69382     3.2139      4.6322     -6.1502    15.132           0    0.42415       0.57585    0.00029236    1.5756e-34    -5.9709    -5.5426    -4.5776    -3.8022    -3.1311     -2.492     -1.904    -0.78727     0.8223     2.3972     3.4311     3.9475     4.4555     4.9463     5.5199    6.2199    7.0752         10.329                   1               13.596               0.73189               17.854             0.93493               1.2522               0.93072           -0.012736      -0.11181    -0.45074    -0.68293     -0.93733       -1.135      -1.2919      -1.4839      -1.4794       -1.131      -0.7087      -0.4444     -0.14031      0.20105      0.57259      0.9054        0.98941  
    cl_mt_pol_a    -11.638     5.7802    -0.49668     -19.512    48.142    0.028675    0.97106    0.00026635      0.045073    1.5756e-34    -19.512    -19.512    -19.239    -18.692    -18.145    -17.506    -16.777     -15.227    -12.583    -9.3914    -7.0207    -5.7442    -4.3766    -2.9095    -1.2765         0         0         13.596             0.73189                33.41                     1               28.548             0.83122               1.2149               0.50208            0.075571      0.075571    0.098716     0.17177      0.24774      0.32115      0.39903      0.53774      0.71345      0.85647      0.92548      0.95256      0.97378      0.98934      0.99841           1              1  
    cl_mt_coh       -11.93     5.9418    -0.49808     -19.968    50.122           0    0.97106      0.028942      0.045406    6.4079e-34    -19.968    -19.968    -19.878     -19.22    -18.566    -17.912    -17.258     -15.669    -12.865    -9.6428    -7.1643    -5.8559     -4.454    -2.9587    -1.2764     0.032    0.0768         17.854             0.93493               28.548               0.83122               35.306                   1                2.158               0.86755            0.076002      0.076002    0.083963     0.16874      0.25419      0.32747      0.39518      0.53465      0.71595      0.85454      0.92642      0.95332      0.97428      0.98962      0.99855           1              1  
    cl_mt_pol_c     1.4981    0.41863     0.27944       0.025    5.1363           0          0             1      0.028648    1.5756e-34      0.025      0.025    0.92572     1.0855     1.1451     1.2177     1.2494      1.3683     1.5252     1.6916     1.8082     1.8719      1.915     2.0225     2.0816    2.2026     2.369         1.2522             0.93072               1.2149               0.50208                2.158             0.86755              0.17525                     1          0.00047808    0.00047808     0.01124      0.0455     0.082396      0.12216      0.16388       0.2517      0.39437      0.55384      0.66955      0.73115      0.79491      0.86044      0.93651      0.9853        0.99839  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 36.667319 seconds.
Elapsed time is 70.142655 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35         p50        p65        p75        p80        p85        p90        p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.71461     3.1776      4.4467     -5.9363    15.154           0    0.42648       0.57352    0.00029858    4.9739e-34    -5.7619    -5.3459     -4.419    -3.6878    -3.0327     -2.424    -1.8503    -0.78657    0.76293     2.3409     3.4094     3.9487      4.499     5.0337     5.5122      6.18    6.9911         10.097                   1               13.273               0.72749               17.372             0.92803               1.2994               0.94478           -0.012269      -0.11068    -0.36293    -0.64122     -0.87684      -1.0634      -1.2133      -1.3965      -1.4002      -1.0736     -0.67196     -0.41538     -0.12029       0.2124      0.59895      0.91132       0.98996  
    cl_mt_pol_a    -12.223     5.7418    -0.46975     -19.512    48.142    0.027197    0.97273    7.5707e-05      0.047322    4.9739e-34    -19.512    -19.512     -19.33    -18.962    -18.421    -17.871    -17.324     -15.956    -13.403    -10.303    -7.8413    -6.4111    -4.9236    -3.3736    -1.3545         0         0         13.273             0.72749               32.968                     1               28.288             0.83631               1.3262               0.53364            0.075542      0.075542    0.098372     0.15835      0.23493      0.31925      0.38532      0.52084      0.70248       0.8456       0.9189      0.94781      0.97195      0.98809      0.99789            1             1  
    cl_mt_coh      -12.507      5.891      -0.471     -19.968    50.122           0    0.97273      0.027273      0.048408    1.8958e-34    -19.968    -19.968    -19.955    -19.407     -18.94    -18.286    -17.725     -16.323    -13.706    -10.529    -8.0054    -6.5907    -5.0147    -3.4259    -1.3571     0.032    0.0448         17.372             0.92803               28.288               0.83631               34.704                   1                2.235               0.87655            0.077284      0.077284    0.085007     0.15989      0.23515      0.32044      0.38699      0.52198      0.70347      0.84649      0.91936      0.94821      0.97226      0.98832      0.99802            1             1  
    cl_mt_pol_c      1.483    0.43282     0.29186       0.025    5.1363           0          0             1      0.027185    4.9739e-34      0.025      0.025    0.87349     1.0101     1.1016     1.1566     1.2291      1.3409     1.5028     1.6734     1.8175     1.8639     1.9658     2.0246     2.1228    2.2091    2.3498         1.2994             0.94478               1.3262               0.53364                2.235             0.87655              0.18734                     1          0.00045829    0.00045829    0.011718    0.045026     0.080393      0.11846      0.15972      0.24529      0.38765      0.54744      0.66338      0.72529      0.78982       0.8576      0.92642      0.98803       0.99837  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 61.173370 seconds.
Elapsed time is 232.944288 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35         p50        p65        p75        p80        p85        p90        p95       p99       p99_9      fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ______    ________    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.73758      3.166      4.2924     -5.8989    15.158           0     0.4254        0.5746    0.00030065     1.7752e-35    -5.7253    -5.3113    -4.3866    -3.6301    -2.9698    -2.3657     -1.819    -0.77821     0.7734     2.3531     3.4198     3.9575     4.5101     5.0458     5.5495    6.2142       7.015         10.023                   1               13.157               0.72545               17.238             0.92677               1.3042               0.94683           -0.01191      -0.10748    -0.34181    -0.62063     -0.83537      -1.0192      -1.1588      -1.3336      -1.3336      -1.0159     -0.62434      -0.3764      -0.0889      0.23465      0.61906      0.91687       0.99024  
    cl_mt_pol_a    -12.296     5.7283    -0.46586     -19.512    48.142    0.027046    0.97289    6.7408e-05      0.047586     1.7752e-35    -19.512    -19.512    -19.402    -18.965    -18.509    -17.962    -17.407     -16.047    -13.586    -10.394    -7.9325    -6.5649    -5.0148    -3.4648    -1.4506         0           0         13.157             0.72545               32.814                     1               28.143             0.83626               1.3389                0.5372           0.075512      0.075512    0.084157     0.15799      0.23454      0.30849      0.38018      0.51729      0.69667      0.84525      0.91869      0.94704      0.97161      0.98779      0.99788            1             1  
    cl_mt_coh      -12.578     5.8749    -0.46707     -19.968    50.122           0    0.97289      0.027114      0.048139    -2.1791e-35    -19.968    -19.968    -19.961    -19.407     -18.94    -18.379    -17.818     -16.417    -13.893    -10.622    -8.0988     -6.697    -5.1082    -3.5194    -1.4559     0.032    0.039467         17.238             0.92677               28.143               0.83626               34.514                   1               2.2455               0.87849           0.076422      0.076422    0.084062     0.15954      0.23638      0.30983      0.38054      0.51839      0.69712      0.84577      0.91909      0.94743       0.9719      0.98802        0.998            1             1  
    cl_mt_pol_c     1.4834    0.43509     0.29331       0.025    5.1363           0          0             1      0.027039     1.7752e-35      0.025      0.025     0.8749     1.0078     1.1002     1.1474     1.2247      1.3409     1.5026     1.6711     1.8152     1.8631      1.972     2.0234     2.1409    2.2091      2.3482         1.3042             0.94683               1.3389                0.5372               2.2455             0.87849               0.1893                     1          0.0004557     0.0004557    0.011961    0.044747     0.080479      0.11865      0.15957      0.24466      0.38652      0.54552      0.66222      0.72435      0.78877      0.85622        0.928        0.985       0.99837  

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ar_bl_default = 1
ar_fl_c_min = 0.025
ar_fl_b_bd = -15
ar_fl_z_r_borr_poiss_mean = 0.1
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it_a_n = 750, it_z_n = 33
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Elapsed time is 11.702715 seconds.
Elapsed time is 0.866648 seconds.
                     mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0       pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35        p50         p65        p75        p80        p85        p90        p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   ________    _______    _________    _______    ______    ________    _______    __________    _________    ___________    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -0.19706     2.9841     -15.143     -7.0272    15.054           0     0.5183        0.4817    0.0003845     -2.892e-32    -6.8137    -6.3082    -5.2003    -4.1866    -3.5723    -2.9555    -2.4326    -1.5244    -0.17724     1.1897     2.1916     2.7181     3.2592     3.8429     4.4633    5.3641    6.5592         8.9049                   1               8.5439               0.71565               10.712             0.87266               1.0602               0.96841           0.071263       0.59227       1.554      2.7482       3.6911       4.5225       5.2103       6.2068       6.8473       6.4646       5.6033        4.984       4.2284       3.3267       2.1745       1.2968        1.0354  
    cl_mt_pol_a     -9.9498     4.0008     -0.4021     -14.634    48.272    0.018876    0.98052    0.00060279     0.027545     -2.892e-32    -14.634    -14.634    -14.465     -14.21    -13.956    -13.617    -13.278    -12.515     -11.073    -9.1235    -7.3432     -6.241    -5.0512    -3.5281    -1.9173         0         0         8.5439             0.71565               16.006                     1               14.296             0.86873              0.88381               0.60212           0.040513      0.040513    0.091855      0.1524      0.21899      0.29872      0.36503      0.49161      0.66835      0.81848      0.89987      0.93405      0.96108      0.98339      0.99652       1.0001        1.0001  
    cl_mt_coh       -10.195     4.1134    -0.40349     -14.968    50.122           0    0.98052      0.019481     0.030973    -1.9694e-31    -14.968    -14.968    -14.881     -14.62    -14.273    -13.967    -13.665    -12.882     -11.405    -9.3196    -7.4947    -6.3651    -5.1485    -3.6264    -1.9332     0.032    0.0768         10.712             0.87266               14.296               0.86873                16.92                   1               1.2892               0.85423           0.045475      0.045475     0.08149     0.14598      0.22938      0.28711       0.3575      0.48577      0.66419      0.82031      0.90095      0.93494      0.96163      0.98305      0.99666       1.0001        1.0001  
    cl_mt_pol_c      1.2666    0.36689     0.28966       0.025    5.0067           0          0             1     0.018842     -2.892e-32      0.025      0.025    0.73056     0.8466    0.92555    0.98784     1.0352     1.1336       1.265     1.4061     1.5309     1.5924     1.6668     1.7458     1.8321    1.9635    2.1857         1.0602             0.96841              0.88381               0.60212               1.2892             0.85423              0.13461                     1          0.0003719     0.0003719    0.016099    0.048088     0.082913      0.12013      0.16098      0.24486      0.38633      0.54507      0.66055      0.72231      0.78664      0.85325      0.92412      0.98415       0.99823  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 30.559970 seconds.
Warning: The shifted operator is close to singular or badly scaled. RCOND =
9.843388e-17. Consider using a different value for sigma. 
Elapsed time is 10.055655 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35        p50         p65        p75        p80        p85        p90        p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -0.5347     2.9119     -5.4458     -6.8017    15.073           0    0.57242       0.42758    0.00040526     1.8852e-34    -6.5952    -6.3598    -5.2586     -4.494    -3.6199    -3.2829    -2.7449    -1.8612    -0.62595    0.68216     1.6963     2.2433     2.8657      3.544     4.2555    5.1263    6.3018          8.479                   1               7.7516               0.71135               9.4469             0.84501               1.0733               0.97918           0.034407       0.15095     0.56874      1.0108       1.4095        1.713        2.004       2.4296       2.7668       2.7604       2.5403       2.3559       2.1163       1.8168        1.452       1.1053        1.0125  
    cl_mt_pol_a    -11.003     3.7423    -0.34012     -14.634    48.187    0.014572    0.98526    0.00017018      0.059295     1.8852e-34    -14.634    -14.634    -14.634    -14.493    -14.295    -14.157    -13.956    -13.447     -12.345    -10.734    -9.1235    -8.1062    -6.6649    -4.9693    -2.7651         0         0         7.7516             0.71135               14.005                     1               12.681             0.88258              0.89526               0.63553           0.078866      0.078866    0.078866     0.13562      0.23239      0.26345      0.32795       0.4539      0.63537      0.79121      0.87945      0.91677      0.95142       0.9773      0.99465            1             1  
    cl_mt_coh      -11.255     3.8393    -0.34112     -14.968    50.122           0    0.98526      0.014742      0.061061    -1.3578e-34    -14.968    -14.968    -14.968    -14.881     -14.62    -14.534    -14.273    -13.751     -12.622    -11.045    -9.3196    -8.2768    -6.8608    -5.0616    -2.8022     0.032    0.0448         9.4469             0.84501               12.681               0.88258               14.741                   1               1.2118               0.83847           0.081204      0.081204    0.081204     0.13515      0.23381      0.26343       0.3309      0.45592      0.63684      0.78658      0.88018      0.91707      0.95025      0.97753      0.99477            1             1  
    cl_mt_pol_c     1.2029    0.37643     0.31292       0.025    5.0915           0          0             1       0.01456     1.8852e-34      0.025      0.025    0.62161    0.75546    0.84236    0.90138    0.94197     1.0416      1.1939     1.3528     1.4757     1.5291     1.6265      1.714     1.8051    1.9722    2.1624         1.0733             0.97918              0.89526               0.63553               1.2118             0.83847               0.1417                     1          0.0003026     0.0003026    0.022051    0.047914     0.081159      0.11542      0.15412       0.2374      0.37592      0.53333      0.65054      0.71246       0.7783      0.84735      0.92082      0.98505       0.99816  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 50.277964 seconds.
Warning: The shifted operator is close to singular or badly scaled. RCOND =
6.552477e-17. Consider using a different value for sigma. 
Elapsed time is 27.156686 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35        p50         p65        p75        p80        p85        p90        p95       p99       p99_9      fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    ______    ________    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -0.5169     2.8931      -5.597     -6.7624    15.077           0    0.57306       0.42694    0.00041262    7.7535e-35     -6.557     -6.323    -5.1835    -4.5197    -3.6458    -3.1969    -2.7278    -1.8345    -0.59126    0.68556     1.6845     2.2477     2.8678      3.539     4.2901    5.1322      6.2841           8.37                   1               7.6143               0.70835               9.2792             0.84173               1.0699               0.98052            0.035724       0.15836     0.59536      1.0352        1.425       1.7744       2.0422       2.4729       2.8291       2.8194       2.5917       2.4016       2.1543       1.8464       1.4577       1.1081        1.0129  
    cl_mt_pol_a    -11.084     3.7155     -0.3352     -14.634    48.187    0.014295    0.98556    0.00014304      0.059809    7.7535e-35    -14.634    -14.634    -14.634    -14.549     -14.38     -14.21    -13.956    -13.447     -12.444    -10.904    -9.2931    -8.2757    -6.8345    -5.1389    -2.8499         0           0         7.6143             0.70835               13.805                     1                 12.5             0.88291              0.89045               0.63546            0.078962      0.078962    0.078962     0.13581      0.20145      0.26984      0.34014       0.4643      0.62468      0.78659      0.87731      0.91492      0.95025      0.97638       0.9946            1             1  
    cl_mt_coh      -11.335     3.8104    -0.33616     -14.968    50.122           0    0.98556      0.014438      0.060448     4.714e-35    -14.968    -14.968    -14.968    -14.881    -14.707    -14.534    -14.273    -13.751     -12.788    -11.144    -9.4934    -8.4506    -6.9733    -5.2354    -2.8891     0.032    0.039467         9.2792             0.84173                 12.5               0.88291                14.52                   1               1.2016               0.83613            0.079821      0.079821    0.079821     0.13576      0.20111       0.2695      0.34003      0.46461      0.62505      0.78694      0.87772      0.91523      0.95053      0.97659      0.99473            1             1  
    cl_mt_pol_c     1.2015    0.37714      0.3139       0.025    5.0915           0          0             1      0.014289    7.7535e-35      0.025      0.025    0.62161    0.75546    0.84236    0.89926    0.94197     1.0401      1.1897     1.3528     1.4728     1.5269     1.6253     1.7174     1.8131    1.9722      2.1624         1.0699             0.98052              0.89045               0.63546               1.2016             0.83613              0.14224                     1          0.00029732    0.00029732    0.022104    0.049705     0.084208      0.11483       0.1547      0.23572      0.37628      0.53354      0.64949      0.71218      0.77775      0.84685      0.92053      0.98466       0.99816  

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ar_bl_default = 1
ar_fl_c_min = 0.025
ar_fl_b_bd = -10
ar_fl_z_r_borr_poiss_mean = 0.1
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it_a_n = 750, it_z_n = 33
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Elapsed time is 11.980862 seconds.
Warning: The shifted operator is close to singular or badly scaled. RCOND =
1.611163e-16. Consider using a different value for sigma. 
Elapsed time is 1.488516 seconds.
                     mean        sd      coefofvar      min       max        pYis0       pYls0       pYgr0       pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35        p50         p65        p75        p80        p85        p90        p95        p99       p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   ________    ______    _________    _______    ______    _________    _______    _________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    ________    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -0.23569    2.5527     -10.831     -7.8295        15            0    0.52872      0.47128    0.00093126    -6.6752e-36    -7.7092     -6.086    -4.5616    -3.5431    -2.9529    -2.4084    -1.8744     -1.228    -0.18466    0.84998      1.586     1.9895     2.4607     3.0307     3.7889       5.228    6.6442         6.5161                   1               3.8231               0.72101               4.1424             0.75961              0.82547               0.99075           0.033483       0.30873       1.225      2.1018       2.7545       3.3672       3.8227       4.4401       4.8565       4.6434       4.1229        3.753       3.2769       2.7016       1.9832       1.2466        1.0297  
    cl_mt_pol_a     -7.6429    2.0772    -0.27178     -9.7561    48.311    0.0052793     0.9921    0.0026208      0.023508    -6.6752e-36    -9.7561    -9.7561    -9.6778    -9.5213    -9.4431    -9.2866    -9.2083    -8.8953     -8.3475    -7.5649    -6.7823    -6.2557    -5.6085    -4.6694    -3.1825    -0.75649    1.1999         3.8231             0.72101               4.3147                     1               4.1411             0.93321              0.49691               0.73292           0.030007      0.030007    0.084111     0.15493       0.1943      0.28438      0.31475      0.43352      0.59858      0.75415      0.85102      0.89039      0.92975      0.96437      0.98978       1.0003        1.0003  
    cl_mt_coh       -7.8233    2.1363    -0.27307      -9.968    50.122            0    0.99209    0.0079131      0.031393    -2.6339e-34     -9.968     -9.968    -9.8878    -9.8076    -9.6471    -9.5669    -9.4065    -9.0856     -8.5241     -7.722    -6.9199    -6.4386    -5.7167    -4.7541      -3.23     -0.6986    1.2619         4.1424             0.75961               4.1411               0.93321               4.5639                   1              0.54981                0.7885           0.039999      0.039999    0.096366     0.13797      0.21953       0.2543       0.3288      0.44247      0.60405      0.75823      0.85256      0.89135      0.93077      0.96503      0.99004       1.0004        1.0003  
    cl_mt_pol_c      1.1126    0.3264     0.29336       0.025    4.9676            0          0            1     0.0052427    -6.6752e-36      0.025    0.41674    0.56652    0.73086    0.75136    0.83356    0.89176    0.98175      1.0942     1.2438     1.3384     1.3877     1.4588     1.5266     1.6401      1.8783    2.1449        0.82547             0.99075              0.49691               0.73292              0.54981              0.7885              0.10653                     1          0.0001178     0.0015368    0.020872    0.051078     0.082718       0.1192      0.16253      0.24204      0.38473      0.54103       0.6564      0.71849      0.78204      0.84933      0.91997      0.98217       0.99802  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 33.171089 seconds.
Warning: The shifted operator is close to singular or badly scaled. RCOND =
1.387613e-16. Consider using a different value for sigma. 
Elapsed time is 9.836830 seconds.
                     mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35        p50         p65        p75        p80        p85        p90        p95        p99       p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   ________    _______    _________    _______    ______    ________    _______    _________    _________    ___________    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    _______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -0.30156     2.4626     -8.1661     -7.6163    15.013           0     0.5457       0.4543    0.0016266    -1.3736e-34    -7.6163    -6.3938    -4.2565    -3.6688    -2.6852    -2.4463    -2.0145    -1.2176    -0.20821    0.72726     1.4177     1.8313     2.2753     2.8586     3.6396     5.0795     6.4859         6.0644                   1               3.2111               0.74247               3.2661             0.73605              0.80852               0.99326            0.041081       0.2368     0.94114      1.6349       2.2813       2.5858       2.9021       3.4368       3.7665       3.6574       3.3016       3.0384       2.6995       2.2771       1.7422        1.188        1.0229  
    cl_mt_pol_a     -8.2188     1.7562    -0.21368     -9.7561    48.311    0.002325    0.99637    0.0013074     0.098025    -1.3736e-34    -9.7561    -9.7561    -9.7561    -9.6778    -9.6778    -9.5996    -9.5213    -9.2866      -8.817    -8.1909    -7.5649    -7.1736    -6.6258    -5.8643    -4.5911    -1.7738    0.33912         3.2111             0.74247               3.0843                     1               3.0199             0.95431              0.44608               0.76842             0.11636      0.11636     0.11636     0.18092      0.18092      0.24261      0.30126      0.41059      0.58553      0.73643      0.83058      0.87404      0.91434      0.95038      0.98272      0.99936        1.0002  
    cl_mt_coh       -8.3992     1.8019    -0.21453      -9.968    50.122           0    0.99637    0.0036327      0.10153     3.5057e-34     -9.968     -9.968     -9.968     -9.968    -9.8878    -9.8076    -9.7274    -9.4867     -9.0054    -8.3637     -7.722    -7.3209    -6.7594    -6.0247    -4.6739    -1.7862    0.37959         3.2661             0.73605               3.0199               0.95431               3.2468                   1              0.45872               0.77017             0.12049      0.12049     0.12049     0.12049      0.19709      0.25066      0.30561      0.41455      0.58827      0.73901       0.8308      0.87436      0.91462      0.95058      0.98285       0.9994        1.0002  
    cl_mt_pol_c      1.0879    0.33055     0.30384       0.025    4.9676           0          0            1    0.0022518    -1.3736e-34      0.025    0.32375    0.56457    0.64869    0.74356    0.82573    0.87335    0.96806      1.0786     1.2014     1.2864     1.3695     1.4343      1.513     1.6401     1.8711     2.1249        0.80852             0.99326              0.44608               0.76842              0.45872             0.77017              0.10926                     1          5.1748e-05    0.0022294    0.031577    0.049868     0.086702      0.12329      0.15394      0.24177      0.38582      0.53749      0.65292      0.71574      0.77871      0.84616      0.91869      0.98177       0.99798  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 58.838993 seconds.
Elapsed time is 27.786130 seconds.
                     mean        sd      coefofvar      min       max        pYis0       pYls0       pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35        p50         p65        p75        p80        p85        p90        p95        p99       p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   ________    ______    _________    _______    ______    _________    _______    _________    _________    __________    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    _______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -0.25654    2.4377     -9.5021     -7.5816    15.015            0    0.53707      0.46293    0.0016188    1.3994e-34    -7.5816    -6.2645    -4.0527     -3.581     -2.603    -2.3659    -1.9389    -1.2052    -0.17056    0.74621     1.4252     1.8356      2.275     2.8639     3.6387     5.0765     6.4704         5.9421                   1               3.1248               0.73832               3.1794              0.7325              0.80199               0.99365            0.04784       0.28651      1.0944      1.8964       2.6177       3.0001       3.3443       3.9022       4.3008       4.1457        3.722       3.4048       3.0055       2.5039       1.8722       1.2205        1.0266  
    cl_mt_pol_a     -8.2516    1.7362    -0.21041     -9.7561    48.311    0.0023131     0.9965    0.0011916     0.099229    1.3994e-34    -9.7561    -9.7561    -9.7561    -9.7009    -9.6778    -9.5996    -9.5213    -9.2866      -8.817    -8.2692    -7.6431    -7.2519    -6.7041    -5.9215    -4.6694    -1.8521    0.26086         3.1248             0.73832               3.0145                     1                2.948             0.95356              0.43924               0.76407            0.11732       0.11732     0.11732     0.13242      0.20018      0.26664       0.3048      0.42087      0.59162      0.72988      0.82599      0.87072       0.9125      0.95184      0.98229       0.9993        1.0002  
    cl_mt_coh       -8.4299    1.7806    -0.21123      -9.968    50.122            0     0.9965    0.0035046      0.10206     4.567e-35     -9.968     -9.968     -9.968     -9.968    -9.8878    -9.8076    -9.7274    -9.4867     -9.0707    -8.4439    -7.8022    -7.4012    -6.8397    -6.0375    -4.7541    -1.8664    0.29938         3.1794              0.7325                2.948               0.95356               3.1706                   1              0.45137               0.76559            0.12068       0.12068     0.12068     0.12068      0.19973        0.265      0.30615      0.42075      0.57251      0.73007      0.82623      0.87113      0.91272      0.95204      0.98242      0.99933        1.0002  
    cl_mt_pol_c      1.0903    0.3311     0.30367       0.025    4.9676            0          0            1    0.0022408    1.3994e-34      0.025    0.36281    0.56457    0.64869    0.74356    0.82573    0.88393    0.96806      1.0786     1.2112      1.308     1.3681     1.4412     1.5208     1.6407     1.8716      2.122        0.80199             0.99365              0.43924               0.76407              0.45137             0.76559              0.10963                     1          5.138e-05     0.0023359    0.031293    0.049763     0.085078      0.12434      0.16389      0.24149      0.38317      0.53743      0.65269      0.71514      0.77937      0.84637      0.91901      0.98192       0.99798  

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ar_bl_default = 1
ar_fl_c_min = 0.025
ar_fl_b_bd = -5
ar_fl_z_r_borr_poiss_mean = 0.1
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it_a_n = 750, it_z_n = 33
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Elapsed time is 11.463031 seconds.
Elapsed time is 0.938336 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0       pYisMINY      pYisMAXY      p0_1        p1         p5        p10        p15        p20          p25          p35        p50        p65        p75        p80        p85        p90        p95        p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    ________    __________    __________    _______    _______    ______    _______    _______    ________    __________    _______    _______    _______    _______    _______    _______    _______    ________    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.4537     2.0895      1.4373     -8.7496    14.953           0    0.25141     0.74859    1.1548e-05    4.3609e-34    -5.1373    -3.8095    -2.228    -1.3934     -0.572    -0.26179    -0.0021725    0.71151     1.5223     2.2609     2.8681     3.2105      3.627     4.1287      4.8608    6.1803    7.4176         4.3659                   1               2.4717               0.80423               2.3498             0.74374              0.70295               0.99337          -0.0096778    -0.037024     -0.1041    -0.15656     -0.19186     -0.20444     -0.20984     -0.18018     -0.070657     0.12589       0.2974      0.40333      0.52193      0.65184      0.80526      0.95401        0.9947  
    cl_mt_pol_a    -3.6161     1.4709    -0.40676      -4.878     48.35    0.001112    0.96512    0.033766       0.11568    4.3609e-34     -4.878     -4.878    -4.878     -4.878    -4.8063     -4.7346       -4.6628    -4.5194    -4.1607    -3.5868    -3.0846     -2.726    -2.2956    -1.6499    -0.57389    1.7217    4.5911         2.4717             0.80423               2.1634                     1               2.1963             0.98753              0.41502               0.83315             0.15605      0.15605     0.15605     0.15605      0.21924      0.28623       0.3828      0.47712       0.64687     0.80929      0.89769      0.93686       0.9683      0.99602       1.0117       1.0081        1.0016  
    cl_mt_coh      -3.6826     1.5121    -0.41061      -4.968    50.122           0    0.96498    0.035022       0.12369    1.3206e-33     -4.968     -4.968    -4.968     -4.968    -4.8945     -4.8209       -4.7474    -4.6004    -4.2327    -3.6445    -3.1298    -2.7621    -2.3209    -1.6592    -0.55624    1.7967    4.7379         2.3498             0.74374               2.1963               0.98753               2.2864                   1              0.39803               0.77725             0.16687      0.16687     0.16687     0.16687      0.24531      0.31858      0.39239      0.48535       0.64947     0.81195      0.89983      0.93857      0.96991      0.99691       1.0122       1.0083        1.0016  
    cl_mt_pol_c     1.1771    0.33867     0.28772       0.025    4.9284           0          0           1    1.1548e-05    4.3609e-34    0.25891    0.41998    0.6135    0.72307    0.84843     0.86731       0.94304     1.0269     1.1828     1.3028     1.4011     1.4733     1.5123     1.6058       1.726    2.0147    2.2598        0.70295             0.99337              0.41502               0.83315              0.39803             0.77725               0.1147                     1          0.00024517    0.0047784    0.021277    0.050096     0.083772      0.12185      0.15891       0.2456        0.3881     0.54687      0.65832      0.71887      0.78391      0.84952      0.92005      0.98221       0.99801  

xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 88
xxxxxxxxxxxxxxxxxxxxxxxxxxx
Elapsed time is 31.331568 seconds.
Elapsed time is 10.504472 seconds.
                    mean        sd       coefofvar     min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15         p20         p25         p35        p50        p65        p75        p80        p85        p90        p95        p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5     fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    ______    ______    ________    _______    ________    _________    ___________    _______    _______    _______    _______    ________    ________    ________    _______    _______    _______    _______    _______    _______    _______    ________    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.5286     2.0102      1.3151     -8.619    14.959           0    0.24116     0.75884    3.682e-12    -1.0757e-34    -4.7602    -3.4835    -2.0984    -1.1476    -0.52743    -0.12071    0.051161    0.84727     1.5754     2.2836     2.8963     3.2208      3.624     4.0983      4.8254    6.1312    7.3522         4.0409                   1               2.2157                0.7946               2.0931             0.73171              0.68112                0.9944           -0.009055    -0.034525    -0.090329    -0.13742     -0.16199     -0.16804     -0.16864     -0.13531     -0.020308     0.16503      0.33413      0.43376       0.5471      0.67129      0.81627       0.9563       0.99495  
    cl_mt_pol_a    -3.7701     1.3871    -0.36793     -4.878     48.35    0.001184    0.97227    0.026546      0.13868    -1.0757e-34     -4.878     -4.878     -4.878     -4.878     -4.8309     -4.8063     -4.8063    -4.5911    -4.3042     -3.802    -3.2999    -2.9412    -2.5825    -1.9369    -0.92356     1.363    4.3042         2.2157              0.7946               1.9241                     1               1.9479             0.98682               0.3876               0.82007             0.17943      0.17943      0.17943     0.17943      0.20422      0.33023      0.33023      0.47915       0.63086     0.78672      0.88342      0.92591      0.95712      0.98783       1.0067        1.007        1.0014  
    cl_mt_coh      -3.8349      1.423    -0.37107     -4.968    50.122           0    0.97227     0.02773      0.14395    -3.3289e-35     -4.968     -4.968     -4.968     -4.968     -4.9552     -4.8945     -4.8945    -4.6739    -4.3798    -3.8651    -3.3504    -2.9827    -2.6023    -1.9533    -0.91108    1.4419    4.4438         2.0931             0.73171               1.9479               0.98682                2.025                   1              0.36954               0.76213             0.18648      0.18648      0.18648     0.18648      0.20508      0.32585      0.32585      0.47958       0.63191     0.78764       0.8847      0.92699      0.95846      0.98861       1.0072       1.0072        1.0014  
    cl_mt_pol_c      1.182    0.34074     0.28828      0.025    4.9284           0          0           1    3.682e-12    -1.0757e-34    0.32175    0.41998    0.61529    0.68882     0.84075     0.86731     0.94263     1.0859      1.181      1.301     1.4011     1.4771     1.5162     1.6022      1.7409    2.0093    2.2538        0.68112              0.9944               0.3876               0.82007              0.36954             0.76213               0.1161                     1          0.00077548    0.0045194     0.022059    0.050292     0.083651      0.13505      0.16323      0.26747       0.38811     0.54628      0.66073      0.71886      0.78281      0.84914      0.91964      0.98225       0.99806  

xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 143
xxxxxxxxxxxxxxxxxxxxxxxxxxx
Elapsed time is 49.305750 seconds.
Elapsed time is 28.050955 seconds.
                    mean        sd       coefofvar      min       max        pYis0        pYls0      pYgr0       pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15          p20         p25         p35        p50        p65        p75        p80        p85        p90        p95        p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5     fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    __________    _______    ________    __________    ___________    _______    _______    _______    _______    ________    _________    ________    _______    _______    _______    _______    _______    _______    _______    ________    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.5389     2.0011      1.3004     -8.5984     14.96             0     0.2412      0.7588    7.3488e-20    -8.1702e-35    -4.7096    -3.4384    -2.0582    -1.1115    -0.49367    -0.088219    0.083224    0.85986     1.5453     2.2848     2.8989     3.2103      3.625      4.104      4.8277    6.1258    7.3579         4.0044                   1               2.1836               0.79318                2.061             0.73002              0.67875               0.99446          -0.0089689     -0.03436    -0.089401    -0.13889     -0.15873     -0.16414      -0.1637     -0.12587     -0.018847     0.17393      0.34207      0.43823       0.5493      0.67509      0.81883      0.95673       0.99505  
    cl_mt_pol_a    -3.7949     1.3757    -0.36253      -4.878     48.35    0.00080704    0.97335    0.025843       0.16963    -8.1702e-35     -4.878     -4.878     -4.878     -4.878      -4.878      -4.8063     -4.8063    -4.6365    -4.3042     -3.802    -3.2999    -3.0129    -2.5825    -1.9972    -0.93257     1.363    4.2324         2.1836             0.79318               1.8927                     1               1.9151             0.98666              0.38403               0.81842             0.21805      0.21805      0.21805     0.21805      0.21805      0.33784      0.33784      0.44901        0.6392     0.79478      0.88589      0.92067      0.95832      0.98596       1.0063       1.0067        1.0014  
    cl_mt_coh      -3.8592     1.4108    -0.36558      -4.968    50.122             0    0.97335     0.02665        0.1725     5.7495e-35     -4.968     -4.968     -4.968     -4.968      -4.968      -4.8945     -4.8945    -4.7399    -4.3798    -3.8651    -3.3504    -3.0562    -2.6151    -2.0194    -0.92388    1.4291    4.3702          2.061             0.73002               1.9151               0.98666               1.9905                   1              0.36596                0.7605             0.22206      0.22206      0.22206     0.22206      0.22206      0.33504      0.33504      0.44985       0.63976     0.79531      0.88694      0.92178      0.95916      0.98668       1.0068       1.0069        1.0014  
    cl_mt_pol_c     1.1829    0.34108     0.28834       0.025    4.9284             0          0           1    7.3488e-20    -8.1702e-35    0.32175    0.41998    0.61529    0.68652     0.83896      0.86551     0.94084     1.0661     1.1792     1.2992     1.4011     1.4767     1.5289     1.6022      1.7549    2.0075     2.252        0.67875             0.99446              0.38403               0.81842              0.36596              0.7605              0.11633                     1          0.00078755    0.0046228     0.022133    0.052995     0.082848      0.12369      0.15903      0.24314       0.38531     0.54453      0.66106      0.71993      0.78219      0.85019       0.9195      0.98224       0.99806  

Test Minimum Consumption with Defaults, Vary Cmin

A minimum consumption value increases, default increases. As Cmin decreases, households still borrow, but there is eventually 0 percent of households that are going to the defaulting bound.

close all;

it_size = 4;

% default or not
bl_default = true;
ar_bl_default = zeros([1,it_size]) + bl_default;
% cmin
ar_fl_c_min = linspace(0.1, 0.001, it_size);
% ar_fl_c_min = zeros([1,it_size]) + fl_c_min;
% borrow bound
fl_b_bd = -12.5;
ar_fl_b_bd = zeros([1,it_size]) + fl_b_bd;
% fl_z_r_borr_poiss_mean
fl_z_r_borr_poiss_mean = 0.10;
ar_fl_z_r_borr_poiss_mean = zeros([1,it_size]) + fl_z_r_borr_poiss_mean;

% Simulate Model with Discount = 0.85
for it_cur_param = 1:1:length(ar_bl_default)

    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp(['ar_bl_default = ' num2str(ar_bl_default(it_cur_param))]);
    disp(['ar_fl_c_min = ' num2str(ar_fl_c_min(it_cur_param))]);
    disp(['ar_fl_b_bd = ' num2str(ar_fl_b_bd(it_cur_param))]);
    disp(['ar_fl_z_r_borr_poiss_mean = ' num2str(ar_fl_z_r_borr_poiss_mean(it_cur_param))]);
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('');
    disp('');
    disp('');
    disp('');

    % Call Default Parameters <https://fanwangecon.github.io/CodeDynaAsset/m_az/paramfunc/html/ffs_abz_set_default_param.html ffs_abz_set_default_param>
    bl_input_override = true;
    it_param_set = 9;
    [param_map, support_map] = ffs_abz_set_default_param(it_param_set);

    % Borrowing Parameters
    param_map('bl_default') = ar_bl_default(it_cur_param);
    param_map('fl_c_min') = ar_fl_c_min(it_cur_param);
    param_map('fl_b_bd') = ar_fl_b_bd(it_cur_param);

    % Interest Rates
    param_map('fl_z_r_borr_poiss_mean') = ar_fl_z_r_borr_poiss_mean(it_cur_param);

    % Display Parameters
    support_map('bl_display') = false;
    support_map('bl_display_final') = false;
    support_map('bl_time') = true;
    support_map('bl_profile') = false;

    support_map('bl_graph_funcgrids') = false;

    for it_accuracy = 1:length(ar_it_a_n_hg)
        % Accuracy Regular
        param_map('it_a_n') = ar_it_a_n_hg(it_accuracy);
        param_map('fl_z_r_borr_n') = ar_fl_z_r_borr_n_hg(it_accuracy);
        it_z_n = param_map('it_z_wage_n') * param_map('fl_z_r_borr_n');
        param_map('it_z_n') = it_z_n;
        disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
        disp(['it_a_n = ' num2str(ar_it_a_n_hg(it_accuracy)) ', it_z_n = ' num2str(it_z_n)]);
        disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
        % Call Grid Generator <https://fanwangecon.github.io/CodeDynaAsset/m_az/paramfunc/html/ffs_abz_get_funcgrid.html ffs_abz_get_funcgrid>
        [armt_map, func_map] = ffs_abz_get_funcgrid(param_map, support_map, bl_input_override);
        % Call Dynamic Programming Problem <https://fanwangecon.github.io/CodeDynaAsset/m_az/solve/html/ff_abz_vf_vecsv.html ff_abz_vf_vecsv>
        result_map = ff_abz_vf_vecsv(param_map, support_map, armt_map, func_map);
        % Call Distribution CProgram
        result_map = ff_az_ds_vecsv(param_map, support_map, armt_map, func_map, result_map, bl_input_override);
    end

    % Snap
    snapnow;

end

% close all
close all;
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
ar_bl_default = 1
ar_fl_c_min = 0.1
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 0.1
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 33
xxxxxxxxxxxxxxxxxxxxxxxxxxx
Elapsed time is 10.863719 seconds.
Warning: The shifted operator is close to singular or badly scaled. RCOND =
8.183155e-17. Consider using a different value for sigma. 
Elapsed time is 1.370684 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35        p50        p65        p75        p80        p85        p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5     fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       4.0725      1.519     0.37298     0.72636    15.186           0          0             1    0.00047004    1.2587e-34    0.88264     1.2613     1.6776     1.9894     2.2287      2.587     2.8299     3.3544     4.1134     4.8443     5.3375     5.5725     5.8126     6.0902    6.4003    6.9344    7.6649         2.3073                   1                3.0609               0.52768              5.3636             0.89934               0.59146               0.75804         0.00048715    0.0058934      0.01669    0.039194     0.064913     0.094837       0.1277      0.20395       0.3412      0.50642      0.63126       0.6981      0.76821      0.84116      0.92619      0.98225       0.99807  
    cl_mt_pol_a    -6.7815     3.8188    -0.56313     -12.195    48.128    0.064057    0.93564    0.00030499      0.084885    1.2587e-34    -12.195    -12.195    -12.195    -11.792    -11.217    -10.809    -10.239    -9.0159     -7.141    -5.0215    -3.5542    -2.8062    -2.0869    -1.2717         0         0         0         3.0609             0.52768                14.584                     1              9.7028             0.64712             -0.096384             -0.049135            0.15265      0.15265      0.15265     0.18131      0.27815      0.34795      0.42378      0.57173      0.74521      0.88148      0.94546      0.96537      0.98347      0.99544            1            1             1  
    cl_mt_coh      -6.9368     3.9263      -0.566     -12.468    50.122           0    0.93564      0.064364      0.085564    3.7522e-34    -12.468    -12.468    -12.468    -12.134    -11.549    -11.048    -10.463    -9.2929    -7.2875    -5.1151     -3.611     -2.859     -2.107    -1.2715     0.032     0.032    0.0768         5.3636             0.89934                9.7028               0.64712              15.416                   1                1.4146                0.7014            0.15379      0.15379      0.15379     0.18329      0.26614      0.35381      0.42909      0.56667      0.74768      0.88341      0.94656      0.96636      0.98416      0.99592       1.0001       1.0001             1  
    cl_mt_pol_c     1.8302    0.51367     0.28066         0.1    5.1502           0          0             1      0.064011    1.2587e-34        0.1        0.1        0.1     1.4944     1.6017      1.694     1.7714     1.8405     1.9508     2.0486     2.1117     2.1625     2.2056     2.2432    2.3039     2.386     2.524        0.59146             0.75804             -0.096384             -0.049135              1.4146              0.7014               0.26385                     1          0.0034974    0.0034974    0.0034974    0.034248     0.070941      0.11662      0.16416      0.26307      0.41794      0.58164      0.69515      0.75513       0.8143      0.88394      0.93579      0.98675        0.9986  

xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 88
xxxxxxxxxxxxxxxxxxxxxxxxxxx
Elapsed time is 27.066530 seconds.
Elapsed time is 34.023603 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35        p50        p65        p75        p80        p85        p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5     fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       4.1346     1.5108      0.3654     0.81986    15.197           0          0             1    0.00046547    1.6939e-34    0.97546     1.3517     1.7622     2.0692      2.314     2.6541     2.8996     3.4193     4.1679     4.9082     5.4091     5.6496     5.8612     6.1628    6.4918    6.9514    7.6628         2.2825                   1                3.0444               0.52699               5.313             0.89639               0.59921               0.77256         0.00052697    0.0062339     0.017575    0.040124     0.067252     0.097992      0.13131      0.20739      0.34504      0.50867      0.63393      0.69979      0.76946      0.84431      0.93262       0.9827       0.99818  
    cl_mt_pol_a    -6.9251     3.8237    -0.55216     -12.195    48.128    0.062642    0.93717    0.00018913      0.086547    1.6939e-34    -12.195    -12.195    -12.195    -11.951     -11.38    -10.891    -10.402    -9.2605    -7.3142    -5.2661    -3.7172     -2.902    -2.1684    -1.2717         0         0         0         3.0444             0.52699                14.621                     1              9.8099             0.65395              -0.05345             -0.027228            0.15241      0.15241      0.15241     0.17798      0.26069      0.34808      0.42049      0.55858       0.7387      0.87546      0.94343      0.96498      0.98384      0.99582            1            1             1  
    cl_mt_coh      -7.0718     3.9231    -0.55476     -12.468    50.122           0    0.93717      0.062831      0.087024    3.0867e-35    -12.468    -12.468    -12.468    -12.217    -11.632    -11.131     -10.63      -9.46    -7.5254    -5.3657    -3.7782    -2.9426    -2.1906    -1.2715     0.032     0.032    0.0448          5.313             0.89639                9.8099               0.65395              15.391                   1                1.4285               0.70927            0.15343      0.15343      0.15343     0.17849       0.2629      0.35043      0.42297      0.56045      0.73983      0.87669      0.94431      0.96568      0.98445      0.99623       1.0001       1.0001             1  
    cl_mt_pol_c     1.8272    0.51338     0.28096         0.1    5.1502           0          0             1      0.062632    1.6939e-34        0.1        0.1        0.1     1.4716     1.5881     1.6853     1.7382     1.8245     1.9415     2.0507     2.1319      2.173     2.2066     2.2432    2.3147    2.4043    2.5558        0.59921             0.77256              -0.05345             -0.027228              1.4285             0.70927               0.26356                     1          0.0034277    0.0034277    0.0034277    0.028913     0.071639      0.11636      0.16308       0.2614      0.41541      0.57988      0.69386      0.75282      0.81248      0.87869      0.94674      0.98655        0.9986  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 50.242480 seconds.
Elapsed time is 319.601733 seconds.
                    mean        sd       coefofvar      min       max       pYis0      pYls0       pYgr0        pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35        p50        p65        p75        p80        p85        p90       p95       p99       p99_9      fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5     fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    _______    _______    __________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    ______    ______    ________    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       4.1511     1.5098      0.3637     0.83967    15.202          0          0             1    0.00046563    -4.0982e-35    0.99515     1.3709      1.781     2.0914     2.3352     2.6735     2.9135     3.4375     4.1744     4.9156     5.4174     5.6689     5.8791     6.1831    6.5113    6.9533      7.6623         2.2794                   1                3.0429               0.52698              5.3052             0.89585               0.60047               0.77512         0.00053618    0.0063062      0.01775    0.040376     0.067916      0.09756      0.13103      0.20745      0.34498      0.50936      0.63399      0.70028      0.77079      0.84566      0.93333       0.9825        0.9981  
    cl_mt_pol_a    -6.9457     3.8246    -0.55065     -12.195    48.128    0.06241    0.93741    0.00017795      0.086623    -4.0982e-35    -12.195    -12.195    -12.195    -11.951     -11.38    -10.891    -10.402    -9.2605    -7.3855    -5.2661    -3.7987     -2.902    -2.1684    -1.2717         0         0           0         3.0429             0.52698                14.628                     1              9.8285             0.65515             -0.047012             -0.023956            0.15209      0.15209      0.15209     0.17713      0.26574       0.3518      0.42065      0.56138       0.7398      0.87664      0.94012      0.96524      0.98396      0.99588            1            1             1  
    cl_mt_coh      -7.0906     3.9224    -0.55319     -12.468    50.122          0    0.93741      0.062588      0.086767    -4.3583e-36    -12.468    -12.468    -12.468    -12.217    -11.632    -11.131     -10.63      -9.46    -7.5382    -5.3657    -3.8617    -2.9426    -2.1906    -1.2715     0.032     0.032    0.039467         5.3052             0.89585                9.8285               0.65515              15.386                   1                1.4295               0.71023            0.15257      0.15257      0.15257     0.17782      0.26608      0.35261      0.42195      0.56245      0.74094      0.87778      0.94099      0.96592      0.98456      0.99628            1            1             1  
    cl_mt_pol_c     1.8269    0.51312     0.28086         0.1    5.1502          0          0             1      0.062401    -4.0982e-35        0.1        0.1        0.1     1.4433     1.5881     1.6838     1.7362     1.8245     1.9426     2.0495      2.136     2.1744     2.2075     2.2432    2.3147    2.4104      2.5661        0.60047             0.77512             -0.047012             -0.023956              1.4295             0.71023               0.26329                     1          0.0034156    0.0034156    0.0034156    0.029113     0.071877      0.11604      0.16343      0.26153      0.41601      0.57899      0.69345      0.75458      0.81539      0.87783      0.94539      0.98669       0.99858  

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ar_bl_default = 1
ar_fl_c_min = 0.067
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 0.1
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it_a_n = 750, it_z_n = 33
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Elapsed time is 9.077935 seconds.
Elapsed time is 1.307712 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY       p0_1         p1          p5          p10         p15        p20        p25        p35        p50        p65        p75        p80        p85        p90        p95        p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5     fracByP10    fracByP15    fracByP20     fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    ___________    _______    ________    ________    _________    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    ________    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    _________    _________    _________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       2.5977     1.8859     0.72599     -1.5306      15.1           0    0.10775       0.89225    0.00040224     1.3091e-35    -1.3423    -0.89211    -0.49034    -0.086405    0.42621    0.71416     1.0841     1.7011     2.6253     3.5504     4.1677     4.4817     4.7663     5.0529      5.4526    6.1784    7.1045         3.5567                   1               4.3116               0.61157                6.411              0.8846              0.67145               0.84466          -0.001073     -0.007667    -0.015204    -0.019597    -0.016062    -0.0050822    0.012151     0.066364      0.19148      0.36933      0.51764      0.60064       0.6896      0.78569      0.88658      0.97469       0.99714  
    cl_mt_pol_a    -7.3259     3.7382    -0.51027     -12.195     48.21    0.043543    0.95579    0.00067118      0.081726     1.3091e-35    -12.195     -12.195     -12.195      -11.869    -11.543    -11.135    -10.728    -9.6681    -7.9562    -5.8367    -4.3694    -3.4727    -2.5697    -1.6793    -0.86409         0         0         4.3116             0.61157               13.974                     1               10.826              0.7536              0.31243               0.19829            0.13605       0.13605      0.13605      0.17463      0.25169       0.33071     0.40041      0.54395      0.71843      0.86331      0.92974      0.95785      0.97704      0.99213       0.9996       1.0001        1.0001  
    cl_mt_coh      -7.4963     3.8429    -0.51264     -12.468    50.122           0    0.95578      0.044221      0.082511    -5.2446e-35    -12.468     -12.468     -12.468      -12.301      -11.8    -11.382    -10.964    -9.9613    -8.1231    -6.0281    -4.4466    -3.5275    -2.6084    -1.6893     -0.8537     0.032    0.0768          6.411              0.8846               10.826                0.7536               14.768                   1                1.213               0.74885            0.13723       0.13723      0.13723       0.1684      0.25769       0.33666     0.40572      0.53854      0.72159      0.86099      0.93078      0.95882      0.97771      0.99251      0.99984       1.0001        1.0001  
    cl_mt_pol_c     1.5806    0.42151     0.26667       0.067    5.0686           0          0             1      0.043533     1.3091e-35      0.067       0.067     0.90121       1.1839     1.3312     1.3877     1.4454     1.5352     1.6465     1.7732     1.8428     1.9033       1.94      1.983      2.0446    2.1742    2.3284        0.67145             0.84466              0.31243               0.19829                1.213             0.74885              0.17767                     1          0.0018453     0.0018453     0.016468     0.038598     0.078611       0.12198     0.16737       0.2605      0.41151      0.57308      0.68813      0.74677      0.81018      0.86942      0.93318      0.98706       0.99852  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 22.934366 seconds.
Elapsed time is 11.668797 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY       p0_1         p1          p5          p10          p15        p20        p25        p35        p50        p65        p75        p80        p85        p90        p95        p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1      fracByP1     fracByP5     fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    ___________    _______    ________    ________    __________    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    ________    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    ___________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       2.6489     1.8636     0.70355     -1.4037    15.112           0    0.10069       0.89931    0.00039914     1.0796e-34    -1.2175    -0.77327    -0.41916    -0.0085971    0.50152    0.79551     1.1242     1.7463     2.6482      3.569     4.1934     4.5171     4.8035     5.1316      5.4752    6.1692    7.0787         3.4731                   1               4.1856               0.60478               6.2342             0.87797              0.68626               0.86384          -0.00095119    -0.0068935    -0.012811    -0.015137    -0.010214    0.0024458    0.020712     0.075946      0.20092      0.37711      0.52411      0.60627       0.6936      0.80293      0.89155      0.97636       0.99721  
    cl_mt_pol_a    -7.5732     3.7137    -0.49037     -12.195     48.21    0.042123    0.95751    0.00036865      0.084417     1.0796e-34    -12.195     -12.195     -12.195       -12.032    -11.624    -11.351    -10.972    -9.9941    -8.2822    -6.2443    -4.6954    -3.7987     -2.874    -2.0053    -0.94561         0         0         4.1856             0.60478               13.791                     1               10.713             0.75712               0.3587               0.22658              0.13594       0.13594      0.13594       0.1692      0.25681        0.315     0.38853       0.5306      0.71308       0.8549      0.92566      0.95341      0.97503      0.99082      0.99966            1             1  
    cl_mt_coh      -7.7367     3.8102    -0.49248     -12.468    50.122           0    0.95751      0.042492      0.085167    -2.1215e-34    -12.468     -12.468     -12.468       -12.301    -11.954    -11.632    -11.215    -10.212    -8.4573    -6.3684    -4.7808    -3.8617    -2.9298    -2.0235    -0.93725     0.032    0.0448         6.2342             0.87797               10.713               0.75712               14.517                   1               1.2356               0.76071              0.13725       0.13725      0.13725      0.17087      0.24041      0.31552     0.39049      0.53234      0.71403      0.85588      0.92643      0.95407      0.97557      0.99121      0.99977       1.0001             1  
    cl_mt_pol_c      1.575    0.42628     0.27065       0.067    5.0686           0          0             1      0.042086     1.0796e-34      0.067       0.067     0.90121        1.1682     1.2739     1.3517     1.4331     1.5042     1.6367     1.7692     1.8591     1.9093     1.9406     2.0039      2.0853    2.1742    2.3284        0.68626             0.86384               0.3587               0.22658               1.2356             0.76071              0.18172                     1            0.0017903     0.0017903     0.017337     0.042289     0.079094      0.12208     0.16473      0.25785      0.40702       0.5688      0.68345      0.74332      0.80469      0.86695      0.93223      0.98659       0.99851  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 43.629971 seconds.
Elapsed time is 241.503664 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY       p0_1        p1          p5          p10          p15        p20        p25        p35        p50        p65        p75        p80        p85        p90        p95        p99       p99_9      fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1      fracByP1     fracByP5     fracByP10    fracByP15     fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    ___________    _______    _______    ________    __________    _______    _______    _______    _______    _______    _______    _______    _______    _______    _______    ________    ______    ________    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    ___________    __________    _________    _________    __________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       2.6697     1.8605     0.69689     -1.3799    15.115           0     0.1002        0.8998    0.00039972    -1.2683e-35    -1.1941     -0.751    -0.39754    -0.0023736    0.53227     0.8242      1.149     1.7782       2.68     3.5887     4.2157     4.5311     4.8213     5.1555      5.4985    6.1901       7.093         3.4613                   1               4.1693               0.60356               6.2137             0.87708              0.68675               0.86555          -0.00092703    -0.0066646    -0.012322    -0.014062    -0.0086299    0.0044162    0.022976     0.079707      0.20469       0.3795      0.52655      0.60715      0.69504      0.80632      0.89412      0.97697       0.99729  
    cl_mt_pol_a    -7.5969      3.713    -0.48875     -12.195     48.21    0.041979    0.95768    0.00034308      0.085052    -1.2683e-35    -12.195    -12.195     -12.195       -12.032    -11.706     -11.38    -10.972    -9.9941    -8.3638    -6.2443    -4.6954    -3.7987     -2.902    -2.0053    -0.94561         0           0         4.1693             0.60356               13.786                     1               10.712             0.75764              0.35992                0.2273              0.13653       0.13653      0.13653      0.17205       0.24034      0.31728     0.39131      0.53317      0.70806      0.85647      0.92627      0.95394      0.97505      0.99094      0.99965            1             1  
    cl_mt_coh      -7.7585      3.808    -0.49081     -12.468    50.122           0    0.95768      0.042322      0.085542    -5.3051e-36    -12.468    -12.468     -12.468       -12.301    -11.967    -11.632    -11.215    -10.212    -8.5409    -6.3684    -4.7808    -3.8617    -2.9426    -2.0235    -0.93725     0.032    0.039467         6.2137             0.87708               10.712               0.75764               14.501                   1               1.2344               0.76012              0.13747       0.13747      0.13747      0.17121       0.24002      0.31725     0.39207      0.53411      0.70897      0.85728        0.927      0.95459       0.9756      0.99132      0.99985       1.0001             1  
    cl_mt_pol_c      1.576    0.42647     0.27061       0.067    5.0686           0          0             1      0.041945    -1.2683e-35      0.067      0.067     0.90121        1.1682     1.2739     1.3517     1.4331     1.5042     1.6347     1.7688     1.8707     1.9101     1.9406      2.008      2.0876    2.1742      2.3325        0.68675             0.86555              0.35992                0.2273               1.2344             0.76012              0.18188                     1            0.0017832     0.0017832     0.017511     0.042522      0.078692      0.12194     0.16534      0.25758      0.40702      0.56899      0.68413      0.74387      0.80469      0.86722      0.93198      0.98602       0.99849  

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ar_bl_default = 1
ar_fl_c_min = 0.034
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 0.1
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it_a_n = 750, it_z_n = 33
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Elapsed time is 10.039983 seconds.
Elapsed time is 0.795206 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0       pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35         p50        p65        p75        p80        p85        p90        p95       p99       p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    ________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ______    _______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.21251     2.5834      12.156     -5.4771    15.036           0    0.47284     0.52716    0.00042791    -9.2264e-36    -5.2523    -4.9964    -4.0843     -3.393    -2.5707    -2.2179    -1.7294    -0.95568    0.20478     1.3599     2.2236      2.697     3.1905     3.7319     4.2678    5.3352      6.614         6.6737                   1               5.9617               0.70221               7.3328             0.84033              0.89169               0.96585            -0.06831      -0.29175     -1.1244     -1.9612      -2.6686      -3.2539      -3.7041      -4.3226      -4.5731      -4.0211      -3.1748      -2.6004      -1.9001      -1.0991     -0.15609      0.72285       0.96736  
    cl_mt_pol_a     -8.678     3.2864     -0.3787     -12.195    48.291    0.017685    0.98123    0.001086      0.057444    -9.2264e-36    -12.195    -12.195    -12.195    -12.032    -11.792    -11.624     -11.38     -10.809    -9.7496    -8.2007    -6.7334    -5.7552    -4.6954    -3.3912    -1.7815         0    0.11413         5.9617             0.70221                 10.8                     1               9.6795             0.87197              0.68003               0.57902            0.080726      0.080726    0.080726     0.14974      0.21196      0.28747      0.35274      0.48038      0.65141      0.80553      0.89229      0.92936      0.95871      0.98161      0.99603       1.0001        1.0001  
    cl_mt_coh      -8.8858     3.3778    -0.38013     -12.468    50.122           0    0.98122    0.018778      0.059917     2.2722e-34    -12.468    -12.468    -12.468     -12.34    -12.134    -11.922    -11.632     -11.131    -9.9613    -8.3737    -6.8697    -5.9506    -4.8196    -3.4439    -1.8116     0.032    0.14898         7.3328             0.84033               9.6795               0.87197                11.41                   1              0.98541               0.81633            0.084071      0.084071    0.084071     0.14314      0.21978       0.2772      0.36065      0.47223      0.65578      0.80772      0.89357       0.9276      0.95777      0.98202      0.99622       1.0002        1.0001  
    cl_mt_pol_c     1.2433    0.35737     0.28743       0.034    4.9871           0          0           1      0.017651    -9.2264e-36      0.034      0.034    0.68259    0.83985    0.90733    0.97046     1.0113      1.1051     1.2614     1.3966      1.508     1.5574      1.633      1.689      1.781    1.9406      2.165        0.89169             0.96585              0.68003               0.57902              0.98541             0.81633              0.12771                     1          0.00048268    0.00048268    0.022489     0.04606      0.08435      0.11899      0.15985      0.24718      0.38782      0.54697        0.663       0.7244      0.78797      0.85866      0.92478      0.98399       0.99819  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 24.810842 seconds.
Elapsed time is 8.518964 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0       pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35         p50        p65        p75        p80        p85        p90        p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.21293       2.48      11.647     -5.2765    15.053           0    0.47248      0.52752    0.00044249    -3.5472e-34     -5.058    -4.8095     -3.932    -3.1359    -2.5173    -2.0443    -1.6826    -0.87939    0.18688     1.2774     2.0882     2.5716     3.0702     3.6059     4.2407    5.1848    6.4323         6.1504                   1               5.2541               0.68075               6.4653              0.8165              0.86942               0.97424           -0.071195      -0.31971     -1.0557       -2.01      -2.5324      -3.1385      -3.4955      -4.0871      -4.3395      -3.8326      -3.0489      -2.4967      -1.8359      -1.0542     -0.13465      0.73248       0.96787  
    cl_mt_pol_a    -9.1865     3.1121    -0.33877     -12.195     48.21    0.015503    0.98406    0.0004408      0.069681    -3.5472e-34    -12.195    -12.195    -12.195    -12.114    -11.951    -11.835    -11.624     -11.217     -10.32    -9.0095    -7.6301    -6.7334    -5.6737    -4.2063    -2.2499         0         0         5.2541             0.68075               9.6853                     1               8.6759             0.87313              0.65315               0.58324            0.092502      0.092502    0.092502     0.15178      0.23235      0.26517      0.33884      0.45816      0.63205      0.78577      0.87909      0.91717      0.94951      0.97738      0.99492       1.0001        1.0001  
    cl_mt_coh      -9.3918     3.1929    -0.33996     -12.468    50.122           0    0.98406     0.015944      0.071533    -1.5361e-34    -12.468    -12.468    -12.468    -12.384    -12.217    -12.134    -11.883     -11.465    -10.546    -9.2093    -7.7889    -6.8697    -5.7835    -4.2795    -2.2741     0.032    0.0448         6.4653              0.8165               8.6759               0.87313               10.194                   1              0.92318               0.80353            0.094963      0.094963    0.094963     0.16162      0.23553      0.26566      0.34224      0.46039      0.63362      0.78625      0.87954      0.91759      0.94987      0.97765      0.99507       1.0001        1.0001  
    cl_mt_pol_c     1.2249    0.35984     0.29376       0.034    5.0686           0          0            1      0.015481    -3.5472e-34      0.034      0.034    0.68259     0.8197    0.85989    0.94345      0.997      1.0948      1.209     1.3773     1.4876     1.5422       1.62     1.6857     1.7837    1.9335     2.147        0.86942             0.97424              0.65315               0.58324              0.92318             0.80353              0.12948                     1          0.00042971    0.00042971    0.027938     0.05511      0.08032      0.11805      0.15913      0.24351      0.38605      0.54273      0.65925      0.72059      0.78531      0.85226      0.92328      0.98342       0.99819  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 43.842543 seconds.
Elapsed time is 21.509671 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35         p50        p65        p75        p80        p85        p90        p95       p99       p99_9      fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ______    ________    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.24915      2.465      9.8937     -5.2454    15.053           0    0.46827       0.53173    0.00044131    2.0393e-34    -5.0279    -4.7806    -3.8872    -3.0759    -2.4912    -1.9816    -1.6245    -0.82095    0.23433     1.2943     2.1161     2.5853     3.0927     3.6139     4.2488    5.2092      6.4269         6.0762                   1               5.1673               0.67639               6.3774             0.81399              0.86686               0.97499             -0.0608      -0.27206    -0.89132     -1.6908      -2.1288      -2.6346      -2.9329      -3.4202      -3.6066      -3.1603      -2.4743      -2.0031      -1.4324     -0.76077     0.031015      0.77535       0.97274  
    cl_mt_pol_a    -9.2178     3.0992    -0.33622     -12.195     48.21    0.015462    0.98413    0.00040459      0.069588    2.0393e-34    -12.195    -12.195    -12.195    -12.114    -11.951    -11.869    -11.624     -11.217     -10.32    -9.0159    -7.7116    -6.8149    -5.6737    -4.2879    -2.3182         0           0         5.1673             0.67639               9.6053                     1               8.5912             0.87214              0.64953               0.58105            0.092065      0.092065    0.092065     0.16082      0.23455      0.26317      0.34309      0.46014      0.63555      0.78801      0.87709      0.91595      0.95027      0.97671      0.99446            1             1  
    cl_mt_coh      -9.4207     3.1784    -0.33739     -12.468    50.122           0    0.98413      0.015866      0.069888    1.6501e-34    -12.468    -12.468    -12.468    -12.384    -12.217    -12.134    -11.883     -11.465    -10.546    -9.2093    -7.8724    -6.9533    -5.7835    -4.3631    -2.3502     0.032    0.039467         6.3774             0.81399               8.5912               0.87214               10.102                   1              0.91985               0.80237            0.092495      0.092495    0.092495     0.16029      0.23259       0.2643      0.34334      0.46076      0.63617      0.78851      0.87758       0.9163      0.95061      0.97697      0.99462       1.0001             1  
    cl_mt_pol_c     1.2276    0.36069     0.29382       0.034    5.0686           0          0             1      0.015458    2.0393e-34      0.034      0.034    0.68259     0.8197    0.85989    0.94345      0.997      1.0948      1.209     1.3762     1.4899     1.5432     1.6234     1.6879     1.7888    1.9417       2.149        0.86686             0.97499              0.64953               0.58105              0.91985             0.80237               0.1301                     1          0.00042814    0.00042814    0.026887    0.053988     0.080974       0.1185      0.15943      0.24279      0.38642      0.54315      0.65865      0.72085      0.78468      0.85255      0.92323      0.98353       0.99819  

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ar_bl_default = 1
ar_fl_c_min = 0.001
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 0.1
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it_a_n = 750, it_z_n = 33
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Elapsed time is 12.109492 seconds.
Elapsed time is 1.269251 seconds.
                    mean        sd       coefofvar      min       max        pYis0        pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35        p50        p65         p75        p80        p85        p90        p95        p99        p99_9      fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    __________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _________    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -1.7778     3.1974     -1.7985     -58.211    15.012             0    0.70537       0.29463     3.118e-05    5.0671e-35    -15.658    -10.417    -7.0985    -5.7397      -4.77    -4.2268    -3.6344    -2.7593    -1.5839    -0.45213    0.34502    0.83715     1.3446     2.0153     2.9658     4.6257       6.2061         10.224                   1               4.5136               0.77265               4.4458             0.73931               1.0032                0.9667            0.014506     0.081616     0.27488     0.45699      0.59293      0.72034      0.83294       1.0064       1.1862        1.272        1.275       1.2577        1.228       1.1809       1.1119       1.0299        1.0037  
    cl_mt_pol_a    -9.8192      1.827    -0.18607     -12.195    48.291    0.00016819    0.99905    0.00078134    4.0114e-05    5.0671e-35    -11.951    -11.869    -11.624    -11.543    -11.461    -11.298    -11.135    -10.891     -10.32     -9.6681    -9.0974    -8.6083    -8.1192    -7.3855    -6.1628    -3.4368    -0.048911         4.5136             0.77265                3.338                     1               3.3927             0.98739              0.51154               0.86268           0.0022584     0.014272    0.079686     0.13963       0.1782      0.25126       0.3135      0.40929      0.58346      0.72388       0.8154      0.86417      0.90426      0.94275      0.97754      0.99799        1.0001  
    cl_mt_coh      -10.062     1.8807    -0.18691     -12.468    50.122             0    0.99905    0.00095462    0.00040194     2.574e-34    -12.384    -12.134    -11.967      -11.8    -11.716    -11.549    -11.465    -11.131    -10.585     -9.8778    -9.2929    -8.7915    -8.2902    -7.5382    -6.2848    -3.5275    -0.018134         4.4458             0.73931               3.3927               0.98739                3.537                   1              0.49818               0.81617           0.0018781     0.024369    0.064797     0.15561      0.19358      0.26433      0.29789      0.42085      0.56728      0.72981      0.81822       0.8664       0.9059      0.94391      0.97789      0.99801        1.0001  
    cl_mt_pol_c     1.0022    0.32455     0.32384       0.001    4.9871             0          0             1    0.00013341    5.0671e-35    0.14697    0.32223     0.4569    0.60549    0.69404      0.705    0.79459    0.88638     1.0025      1.1356     1.2213      1.263     1.3395     1.4333      1.556     1.7985       2.0655         1.0032              0.9667              0.51154               0.86268              0.49818             0.81617              0.10534                     1          0.00017351    0.0022642    0.018128    0.047245     0.075827      0.11323      0.14872      0.23299      0.37208      0.52936      0.64746       0.7079      0.77438       0.8429      0.91534      0.98105       0.99787  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 27.599136 seconds.
Warning: The shifted operator is close to singular or badly scaled. RCOND =
1.228644e-16. Consider using a different value for sigma. 
Elapsed time is 8.481492 seconds.
                    mean        sd       coefofvar      min       max        pYis0        pYls0       pYgr0        pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35        p50        p65         p75        p80        p85        p90        p95        p99       p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    __________    _______    __________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -1.6629     2.9467      -1.772     -57.896    15.035             0    0.71057       0.28943    1.0284e-05    -1.7654e-35     -13.78    -9.9875    -6.4978    -5.4673    -4.4624    -4.0142    -3.4965    -2.5966     -1.486    -0.42344    0.32794    0.79659     1.3154     1.9335      2.862     4.4735     5.9908         8.6832                   1               3.8775               0.79182               3.7143             0.73919               0.9445               0.98363            0.016042     0.074414     0.26169     0.46145      0.60234      0.73389      0.83279       1.0203       1.1938       1.2795       1.2824       1.2652       1.2336       1.1858       1.1154        1.031        1.0039  
    cl_mt_pol_a    -10.582     1.6618    -0.15704     -12.195    48.291    2.1062e-05    0.99971    0.00027268       0.04548    -1.7654e-35    -12.195    -12.195    -12.114    -12.114    -11.997    -11.869    -11.788    -11.543    -11.135     -10.483    -9.9126     -9.505    -9.0903    -8.3638    -7.2225    -4.6954    -1.5162         3.8775             0.79182               2.7617                     1               2.8021             0.98884              0.46136               0.85197            0.052411     0.052411     0.11883     0.11883      0.17249      0.26941      0.31762      0.41715       0.5597      0.71626      0.80892      0.85657      0.89511      0.93702       0.9733      0.99703       0.99997  
    cl_mt_coh      -10.824     1.7052    -0.15754     -12.468    50.122             0    0.99971    0.00029384      0.051159     1.6787e-35    -12.468    -12.468    -12.468    -12.384    -12.301    -12.205     -12.05      -11.8    -11.382     -10.713    -10.128    -9.7106    -9.2929    -8.5409    -7.3711    -4.7808    -1.5221         3.7143             0.73919               2.8021               0.98884               2.9077                   1              0.44354               0.79822            0.058928     0.058928    0.058928     0.12889      0.17502      0.23257      0.31993      0.42026      0.56184      0.71812      0.81002      0.85762      0.89527      0.93744      0.97338      0.99705       0.99997  
    cl_mt_pol_c      1.005    0.32586     0.32423       0.001    4.9871             0          0             1    1.1547e-05    -1.7654e-35    0.13882    0.32061    0.49995    0.59122    0.68293    0.71572    0.78041     0.8745     1.0133      1.1213     1.2212     1.2886     1.3405     1.4271     1.5494     1.7904     2.0471         0.9445             0.98363              0.46136               0.85197              0.44354             0.79822              0.10619                     1          0.00027956    0.0028216    0.017609    0.047084     0.078027      0.11016      0.15368      0.23104      0.37565      0.52961      0.64638      0.70895      0.77341      0.84275      0.91543      0.98099       0.99788  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 50.578628 seconds.
Elapsed time is 25.316217 seconds.
                    mean        sd       coefofvar      min       max        pYis0        pYls0       pYgr0        pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25        p35        p50        p65         p75        p80        p85        p90        p95        p99       p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    __________    _______    __________    __________    __________    _______    _______    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    _______    _______    _______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      -1.6128     2.8917     -1.7929     -57.847    15.038             0    0.70354       0.29646    1.0028e-05    5.0534e-35    -13.044     -10.06    -6.3646    -5.4346    -4.2672    -3.9754    -3.4556    -2.5572    -1.4483    -0.39572    0.35961    0.78884     1.3249       1.94     2.8739     4.4627     5.9688         8.3618                   1               3.7584               0.79401               3.5937             0.74026              0.93185               0.98692            0.017903     0.070084     0.26271     0.45924      0.64947      0.73356      0.83903        1.027       1.2043       1.2913       1.2923       1.2747       1.2415       1.1921       1.1182       1.0319         1.004  
    cl_mt_pol_a    -10.673     1.6369    -0.15337     -12.195    48.291    2.2875e-05    0.99975     0.0002296      0.091113    5.0534e-35    -12.195    -12.195    -12.195    -12.126    -12.032    -11.951    -11.869    -11.624    -11.217     -10.565    -9.9941    -9.6681    -9.1789    -8.4453     -7.304    -4.8585    -1.6793         3.7584             0.79401               2.6795                     1               2.7169             0.98865              0.45397               0.84935             0.10411      0.10411     0.10411     0.11769      0.21632      0.26403      0.31219      0.41685      0.56285      0.71898      0.80999      0.85063      0.89568      0.93844      0.97415      0.99687       0.99996  
    cl_mt_coh      -10.913     1.6788    -0.15384     -12.468    50.122             0    0.99975    0.00025248      0.093917      1.78e-35    -12.468    -12.468    -12.468    -12.461    -12.301    -12.217    -12.134    -11.883    -11.465     -10.797    -10.212    -9.8778    -9.3764    -8.6244    -7.4546    -4.9479    -1.6893         3.5937             0.74026               2.7169               0.98865               2.8185                   1              0.43595               0.79528              0.1073       0.1073      0.1073     0.11802      0.21556      0.26395      0.31175      0.41634      0.56295      0.71907       0.8103      0.85056      0.89584      0.93855      0.97422      0.99689       0.99996  
    cl_mt_pol_c     1.0071    0.32652     0.32422       0.001    4.9871             0          0             1    1.0056e-05    5.0534e-35    0.13882    0.23705    0.50359    0.58918    0.68259    0.71368    0.77837    0.87415     1.0113      1.1193     1.2197     1.2879     1.3414     1.4352     1.5636     1.7919     2.0492        0.93185             0.98692              0.45397               0.84935              0.43595             0.79528              0.10662                     1          0.00028426    0.0021258    0.030931    0.044942     0.084112      0.11007      0.15139      0.23355      0.37473      0.53033      0.64615      0.70786      0.77316       0.8423      0.91563      0.98097       0.99788  

Test Minimum Consumption with Defaults, Vary Interest rate

As borrowing interest rate increases, borrowing decreases

close all;

it_size = 10;

% default or not
bl_default = true;
ar_bl_default = zeros([1,it_size]) + bl_default;
% cmin
fl_c_min = 0.035;
ar_fl_c_min = zeros([1,it_size]) + fl_c_min;
% borrow bound
fl_b_bd = -12.5;
ar_fl_b_bd = zeros([1,it_size]) + fl_b_bd;
% fl_z_r_borr_poiss_mean
ar_fl_z_r_borr_poiss_mean = linspace(5, 20, it_size);

% Simulate Model with Discount = 0.85
for it_cur_param = 1:1:length(ar_bl_default)

    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp(['ar_bl_default = ' num2str(ar_bl_default(it_cur_param))]);
    disp(['ar_fl_c_min = ' num2str(ar_fl_c_min(it_cur_param))]);
    disp(['ar_fl_b_bd = ' num2str(ar_fl_b_bd(it_cur_param))]);
    disp(['ar_fl_z_r_borr_poiss_mean = ' num2str(ar_fl_z_r_borr_poiss_mean(it_cur_param))]);
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
    disp('');
    disp('');
    disp('');
    disp('');

    % Call Default Parameters <https://fanwangecon.github.io/CodeDynaAsset/m_az/paramfunc/html/ffs_abz_set_default_param.html ffs_abz_set_default_param>
    bl_input_override = true;
    it_param_set = 9;
    [param_map, support_map] = ffs_abz_set_default_param(it_param_set);

    % Borrowing Parameters
    param_map('bl_default') = ar_bl_default(it_cur_param);
    param_map('fl_c_min') = ar_fl_c_min(it_cur_param);
    param_map('fl_b_bd') = ar_fl_b_bd(it_cur_param);

    % Interest Rates
    param_map('fl_z_r_borr_poiss_mean') = ar_fl_z_r_borr_poiss_mean(it_cur_param);

    % Display Parameters
    support_map('bl_display') = false;
    support_map('bl_display_final') = false;
    support_map('bl_time') = true;
    support_map('bl_profile') = false;

    support_map('bl_graph_funcgrids') = false;

    for it_accuracy = 1:length(ar_it_a_n_hg)
        % Accuracy Regular
        param_map('it_a_n') = ar_it_a_n_hg(it_accuracy);
        param_map('fl_z_r_borr_n') = ar_fl_z_r_borr_n_hg(it_accuracy);
        it_z_n = param_map('it_z_wage_n') * param_map('fl_z_r_borr_n');
        param_map('it_z_n') = it_z_n;
        disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
        disp(['it_a_n = ' num2str(ar_it_a_n_hg(it_accuracy)) ', it_z_n = ' num2str(it_z_n)]);
        disp('xxxxxxxxxxxxxxxxxxxxxxxxxxx');
        % Call Grid Generator <https://fanwangecon.github.io/CodeDynaAsset/m_az/paramfunc/html/ffs_abz_get_funcgrid.html ffs_abz_get_funcgrid>
        [armt_map, func_map] = ffs_abz_get_funcgrid(param_map, support_map, bl_input_override);
        % Call Dynamic Programming Problem <https://fanwangecon.github.io/CodeDynaAsset/m_az/solve/html/ff_abz_vf_vecsv.html ff_abz_vf_vecsv>
        result_map = ff_abz_vf_vecsv(param_map, support_map, armt_map, func_map);
        % Call Distribution CProgram
        result_map = ff_az_ds_vecsv(param_map, support_map, armt_map, func_map, result_map, bl_input_override);
    end

    % Snap
    snapnow;

end

% close all
close all;
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 5
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 33
xxxxxxxxxxxxxxxxxxxxxxxxxxx
Elapsed time is 10.875658 seconds.
Elapsed time is 1.424497 seconds.
                    mean        sd      coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20          p25         p35        p50          p65         p75       p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    ______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _________    _______    ________    _________    _______    ______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.6145    3.0266      1.8746     -7.9152    14.916           0    0.25575    0.74425    0.00019291     -2.481e-34    -7.1511    -6.2312    -4.5371    -3.0168    -1.8251    -0.87352    -0.095914     1.0533      2.2587       3.1477     3.8059    4.1056      4.499     4.939    5.6005    6.8135    7.9559         9.1603                   1               8.9061               0.86679               10.293             0.93324               0.53924              0.61163           -0.012657     -0.052721    -0.17366    -0.29006     -0.36388     -0.40496     -0.41921     -0.38689     -0.22931     0.023835      0.24639      0.36781      0.49929      0.64218      0.80516      0.95483       0.99495  
    cl_mt_pol_a    -1.7867    3.3949        -1.9     -12.195    48.373    0.042181    0.66229    0.29553     0.0011679     -2.481e-34    -12.195    -11.416    -9.2789    -7.1423    -5.4636     -4.1664      -3.1744    -1.8008    -0.73255    -0.045784    0.19564    0.4402    0.76627    1.3369    2.2336    4.5161    7.2877         8.9061             0.86679               11.525                     1               10.938             0.88408               0.29748              0.30081           0.0079714        0.1262     0.30304     0.52874      0.70494      0.83763      0.94262       1.0809        1.178       1.2067       1.2028       1.1942       1.1782       1.1462       1.1009       1.0303        1.0045  
    cl_mt_coh      -1.8483    3.6442     -1.9717     -12.468    50.122           0    0.64158    0.35842     0.0010498    -1.0132e-33    -12.468    -12.378    -9.9553    -7.6157    -5.7775     -4.3631      -3.3543    -1.8564    -0.68054     0.065422    0.31609    0.5728    0.90703    1.4471     2.411    4.6671    7.5915         10.293             0.93324               10.938               0.88408                13.28                   1               0.57681              0.54336           0.0070818       0.13025     0.31152     0.55015      0.72897      0.86325      0.96815       1.1045       1.2034       1.2245       1.2165       1.2032       1.1847       1.1536       1.1025       1.0321        1.0045  
    cl_mt_pol_c     1.3223    0.2913      0.2203       0.035    4.9056           0          0          1      0.018144     -2.481e-34      0.035      0.035      1.117     1.1368      1.151      1.1639       1.1758     1.1975      1.2521        1.331     1.4669    1.4985     1.5921     1.694    1.8235    2.0953    2.3459        0.53924             0.61163              0.29748               0.30081              0.57681             0.54336              0.084855                    1          0.00048026    0.00048026     0.02697    0.069376      0.11398        0.157      0.20162      0.29278      0.42947      0.57563      0.68052      0.73811       0.7956       0.8587      0.92501      0.98336       0.99818  

xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 88
xxxxxxxxxxxxxxxxxxxxxxxxxxx
Elapsed time is 29.211278 seconds.
Elapsed time is 24.522953 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25         p35        p50        p65         p75        p80        p85        p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    ______    _______    _______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.1221      3.078       2.743     -7.4913    14.926           0    0.32189    0.67811    0.00024203    -7.1364e-37    -7.1712    -6.0618    -4.7736    -3.5398    -2.5283    -1.6639    -0.91263    0.32065     1.6842      2.7543      3.3896     3.819     4.1784     4.6879    5.3787    6.6229    7.8089         9.4743                   1               9.6066               0.84793               11.305             0.93702               0.57159              0.66981           -0.007256     -0.058763    -0.25067     -0.4352     -0.56969     -0.66271     -0.71977     -0.74389     -0.60481     -0.30415     -0.031684     0.12932       0.3069      0.50425      0.72774      0.93704       0.99284  
    cl_mt_pol_a    -3.0054     3.6808     -1.2247     -12.195    48.373    0.043456    0.79102    0.16553     0.0002136    -7.1364e-37    -12.077    -11.737    -10.403    -8.8387    -7.5162     -6.361     -5.3539     -3.726    -1.9715    -0.81631    -0.27471         0    0.19564    0.60323    1.4999    3.7009    6.5541         9.6066             0.84793               13.548                     1               12.645             0.87644               0.32355              0.31706           0.0046173      0.048802     0.18751     0.34826      0.48363      0.59877      0.69636      0.84559      0.98527       1.0521        1.0693      1.0709       1.0695        1.064        1.047       1.0163        1.0025  
    cl_mt_coh      -3.1331     3.9197     -1.2511     -12.468    50.122           0    0.78257    0.21743    0.00020212     4.2525e-36    -12.455    -12.417    -11.042     -9.396    -7.9627    -6.7094      -5.636    -3.8813    -2.0302     -0.7769     -0.1792    0.0704    0.27093    0.72712    1.6462    3.9022    6.8011         11.305             0.93702               12.645               0.87644               15.364                   1                0.6771              0.62307           0.0048219      0.052421     0.19055     0.35347      0.49151      0.60887      0.70663      0.85839      0.99579       1.0603         1.075      1.0754       1.0733        1.066       1.0479       1.0164        1.0025  
    cl_mt_pol_c     1.3244    0.27724     0.20934       0.035    4.9056           0          0          1      0.022586    -7.1364e-37      0.035      0.035     1.1899     1.2128     1.2239     1.2326      1.2407     1.2551     1.2763      1.3151      1.3676    1.4394     1.5451     1.6432    1.7959    2.0716    2.3256        0.57159             0.66981              0.32355               0.31706               0.6771             0.62307              0.076863                    1          0.00059689    0.00059689    0.023135    0.068579      0.11463      0.16106      0.20766      0.30192      0.44519      0.59161        0.6926     0.74542      0.80149      0.86155      0.92629      0.98371       0.99818  

xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 143
xxxxxxxxxxxxxxxxxxxxxxxxxxx
Elapsed time is 43.486575 seconds.
Elapsed time is 95.519114 seconds.
                    mean        sd      coefofvar      min       max       pYis0       pYls0      pYgr0       pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35         p50        p65        p75        p80        p85         p90         p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    ______    _________    _______    ______    ________    _______    ________    __________    ___________    _______    _______    _______    _______    _______    _______    _______    ________    _______    _______    _______    _______    ________    ________    _______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.59301    2.9671      5.0034     -6.8532    14.949           0    0.39378     0.60622    0.00030313    -1.0655e-35    -6.5698    -5.8911    -4.7497    -3.7586     -2.955    -2.2378    -1.5919    -0.45006    0.98396     2.1774     2.8816     3.2543      3.6665      4.1918     4.9197     6.239    7.5053         8.8034                   1               8.9769               0.80247               10.911             0.92647               0.66607              0.79494           -0.016097      -0.12023    -0.45672    -0.81325       -1.095      -1.3132      -1.4742       -1.644      -1.5703      -1.1671     -0.74049     -0.48079     -0.19022        0.138      0.51954      0.88518       0.98685  
    cl_mt_pol_a    -4.8271    3.7703    -0.78106     -12.195    48.373    0.029542    0.91377    0.056692    0.00021967    -1.0655e-35    -12.126    -11.924    -11.291    -10.424    -9.5328    -8.7043    -7.8866     -6.3886    -4.4008    -2.6632    -1.6419    -1.1572    -0.67791    -0.20723    0.11413    2.2336    5.0867         8.9769             0.80247               14.215                     1               12.896             0.86174               0.41125              0.38626           0.0032972      0.036936     0.12176     0.23402      0.33742      0.43188      0.51772      0.66595      0.83248      0.94174       0.9857       1.0001       1.0096       1.0142       1.0144       1.0069        1.0012  
    cl_mt_coh      -5.0201    3.9693    -0.79069     -12.468    50.122           0    0.91093    0.089072    0.00023813    -1.3121e-35    -12.461    -12.438    -11.823    -10.927    -9.9926    -9.0959    -8.2454     -6.6653    -4.5689    -2.7382    -1.6594    -1.1506    -0.64178    -0.15538    0.20871    2.3438    5.2683         10.911             0.92647               12.896               0.86174               15.756                   1               0.83146              0.74176           0.0035468      0.038595     0.12307     0.23593      0.34053      0.43555       0.5219      0.67016      0.83718      0.94531      0.98855       1.0025       1.0113       1.0154       1.0149       1.0072        1.0013  
    cl_mt_pol_c     1.3212    0.2824     0.21375       0.035    4.9056           0          0           1      0.026176    -1.0655e-35      0.035      0.035      1.031     1.1451     1.1872      1.214     1.2352      1.2735      1.331     1.3917     1.4359     1.4681      1.5026      1.5518     1.6852    1.9947    2.2856        0.66607             0.79494              0.41125               0.38626              0.83146             0.74176              0.079748                    1          0.00069344    0.00069344    0.017175    0.058711      0.10288      0.14828      0.19466      0.28974      0.43747      0.59195      0.69898      0.75395      0.81037      0.86791      0.92976      0.98396       0.99823  

xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 6.6667
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxxxxxxxxxx
it_a_n = 750, it_z_n = 33
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Elapsed time is 9.747698 seconds.
Elapsed time is 0.791548 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35        p50        p65        p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ______    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.7716     2.9799      1.6821     -8.0054    14.913           0    0.23566    0.76434    0.00017691    -4.5038e-34    -7.2225    -6.2822    -4.3803    -2.7876    -1.5277    -0.56274    0.18917     1.2965      2.4122    3.2798     3.8388     4.1876     4.5535    5.0122    5.6462    6.8524    7.9859           8.88                   1               8.5166               0.86984               9.7977             0.93058               0.53184              0.60305           -0.010593     -0.044458    -0.15651    -0.25652     -0.31658     -0.34559     -0.35024     -0.30469     -0.14004      0.10252      0.30171      0.41244      0.54304      0.67184      0.82045      0.95859       0.99532  
    cl_mt_pol_a    -1.4831     3.2856     -2.2153     -12.195    48.373    0.032408    0.62574    0.34185     0.0006683    -4.5038e-34    -11.792    -11.416    -8.8974    -6.5319    -4.7768     -3.5157    -2.5697    -1.4193    -0.42732         0    0.35868    0.60323    0.92931    1.4184    2.3966    4.5976    7.4508         8.5166             0.86984               10.795                     1                10.29             0.88644               0.29265              0.30096            0.031499       0.13705       0.355     0.61643      0.80831      0.94173       1.0447       1.1764       1.2629        1.278       1.2655       1.2497       1.2267       1.1895       1.1239       1.0389        1.0055  
    cl_mt_coh      -1.5245     3.5332     -2.3175     -12.468    50.122           0    0.59733    0.40267    0.00058812    -1.7431e-33    -12.423    -12.378    -9.5375    -6.9921     -5.109     -3.6886    -2.6859    -1.4325    -0.34631    0.1216    0.40569    0.69512     1.0741    1.5755    2.5782    4.8342    7.7526         9.7977             0.93058                10.29               0.88644               12.483                   1                0.5473              0.52341             0.03676       0.14288      0.3731      0.6398      0.83759      0.98305       1.0892       1.2162       1.2965       1.3011       1.2864       1.2677       1.2362       1.1959       1.1268       1.0395        1.0058  
    cl_mt_pol_c     1.3213    0.29595     0.22398       0.035    4.9056           0          0          1      0.016658    -4.5038e-34      0.035      0.035     1.0926     1.1123     1.1258      1.1383     1.1506     1.1843      1.2519    1.3482      1.478     1.5515     1.6036    1.7021    1.8354    2.1001    2.3488        0.53184             0.60305              0.29265               0.30096               0.5473             0.52341              0.087587                    1          0.00044123    0.00044123     0.02778     0.06962      0.11182      0.15467      0.19865      0.28729      0.42556      0.57127      0.68255      0.73522      0.79548      0.85735      0.92436      0.98338       0.99816  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 28.870887 seconds.
Elapsed time is 19.118410 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20        p25         p35        p50        p65         p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    _______    ________    _______    _______    ________    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val         1.43     3.0594      2.1394     -7.7541    14.918           0    0.28111    0.71889    0.00020934    1.0619e-35    -7.0259    -6.1361    -4.6458    -3.2585    -2.1337    -1.1978    -0.42123    0.78953     2.0385      3.0608      3.692     3.9866     4.4238    4.8349    5.5201    6.7403    7.9044         9.3598                   1               9.2933               0.86146               10.806             0.93591               0.54687              0.62816          -0.0052615     -0.064924    -0.19682    -0.33418     -0.42779     -0.48556     -0.51326     -0.49777     -0.34443     -0.075029     0.15778      0.29506      0.4414       0.60122       0.7813      0.94932        0.9943  
    cl_mt_pol_a    -2.2263     3.5262     -1.5839     -12.195    48.373    0.032619    0.71936    0.24803    4.8246e-05    1.0619e-35    -11.962    -11.628    -9.8402    -7.8927     -6.303    -5.0371     -4.0107    -2.4876    -1.0571    -0.27982          0    0.27716    0.52172    1.0923     1.989      4.19    7.0432         9.2933             0.86146               12.434                     1               11.741             0.88227               0.30441              0.30338           0.0061537      0.057629     0.24569     0.44415      0.60326       0.7292      0.83098      0.97473       1.0901        1.1321      1.1366       1.1325      1.1253        1.1052        1.074       1.0242        1.0035  
    cl_mt_coh      -2.3139      3.774      -1.631     -12.468    50.122           0    0.69929    0.30071    4.2869e-05    1.6856e-35    -12.442    -12.404    -10.521    -8.3805    -6.6966    -5.3145     -4.2155    -2.5828    -1.0404     -0.2048    0.11662    0.32889    0.65636    1.1773    2.1476    4.4103    7.3153         10.806             0.93591               11.741               0.88227               14.243                   1               0.61155              0.56944           0.0068919      0.062415     0.25233     0.45549      0.61838      0.74679      0.84946      0.99378       1.1073         1.145      1.1453        1.141      1.1299        1.1107       1.0757       1.0245        1.0036  
    cl_mt_pol_c     1.3228    0.28456     0.21513       0.035    4.9056           0          0          1      0.019833    1.0619e-35      0.035      0.035     1.1567     1.1725     1.1846     1.1946      1.2045     1.2219     1.2539        1.31     1.4244       1.48     1.5778    1.6777    1.8133    2.0859    2.3386        0.54687             0.62816              0.30441               0.30338              0.61155             0.56944              0.080977                    1          0.00052476    0.00052476    0.026308    0.070234      0.11476      0.15954      0.20505       0.2967      0.43696       0.58151     0.68454      0.73999      0.7978       0.85961      0.92555      0.98346       0.99821  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 44.893872 seconds.
Elapsed time is 45.647426 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25         p35         p50        p65        p75         p80        p85        p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    _______    _______    _________    _______    _______    ________    ________    ______    _______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val      0.84257     3.0564      3.6275      -7.259    14.933           0    0.35794    0.64206    0.00026978     -1.308e-34     -6.954    -6.2043    -4.8391    -3.7285    -2.8104    -2.0065    -1.2968    -0.083488     1.3402     2.4277      3.1619      3.5074     3.993     4.4726     5.205    6.4664    7.6935         9.3416                   1               9.5301               0.83115               11.366             0.93478               0.60724              0.72016           -0.010508      -0.07641    -0.33183    -0.58457     -0.77828     -0.92052      -1.0184      -1.0978     -0.98034     -0.64098     -0.30837     -0.10855      0.11223      0.36311      0.64744      0.91719        0.9905  
    cl_mt_pol_a    -3.7578     3.7516    -0.99834     -12.195    48.373    0.037677     0.8483    0.11402    4.2544e-05     -1.308e-34    -12.058    -11.858    -10.806    -9.5853    -8.4494    -7.4162    -6.4678      -4.8544    -2.9477    -1.5282    -0.75259    -0.36461         0    0.11413    1.0108    3.2118     6.065         9.5301             0.83115               14.074                     1               12.977             0.86953               0.35312              0.34118           0.0036156      0.032262     0.15329     0.29004      0.40963      0.51484      0.60741      0.75675      0.91003      0.99815       1.0278       1.0353       1.0381       1.0378       1.0305       1.0114        1.0018  
    cl_mt_coh      -3.9188     3.9781     -1.0151     -12.468    50.122           0      0.844      0.156    3.9945e-05    -5.3809e-35    -12.453    -12.431    -11.406    -10.099    -8.9064    -7.8052    -6.8025      -5.0703      -3.05     -1.546    -0.71041    -0.31502    0.0544    0.22365    1.1129     3.354    6.2635         11.366             0.93478               12.977               0.86953               15.826                   1               0.74328              0.67726           0.0037946      0.034399     0.15576     0.29324      0.41428      0.52041      0.61356      0.76414      0.91781       1.0039       1.0323       1.0387       1.0405       1.0392       1.0314       1.0117        1.0019  
    cl_mt_pol_c     1.3233    0.27588     0.20848       0.035    4.9056           0          0          1      0.024676     -1.308e-34      0.035      0.035     1.1296     1.2068     1.2271     1.2398     1.2507       1.2696     1.2994     1.3437      1.3972      1.4303    1.4731     1.5703    1.7593    2.0293    2.3113        0.60724             0.72016              0.35312               0.34118              0.74328             0.67726              0.076111                    1          0.00065263    0.00065263    0.019872    0.064505      0.11057      0.15727      0.20421      0.29946        0.445      0.59461      0.69807      0.75138      0.80698      0.86396      0.92743      0.98371       0.99821  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 8.3333
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it_a_n = 750, it_z_n = 33
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Elapsed time is 10.619729 seconds.
Elapsed time is 0.916504 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65         p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    _______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.8396     2.9559      1.6068     -8.0581    14.912           0    0.22645    0.77355    0.00016922    7.0889e-33    -7.2629    -6.3101    -4.3174    -2.6479    -1.3901    -0.41623     0.3302     1.3951      2.4338      3.3121     3.8688     4.2327    4.5705    5.0388    5.6739    6.8719     8.003         8.7374                   1               8.3027               0.87095               9.5317             0.92884              0.53044               0.60189           -0.009774     -0.041132    -0.14983    -0.24387     -0.29772     -0.32151     -0.32222     -0.27274     -0.11109      0.1256       0.32491      0.43094      0.55221      0.68126      0.82629      0.96011       0.99553  
    cl_mt_pol_a    -1.3404      3.225     -2.4061     -12.195    48.373    0.035316    0.60655    0.35814    0.00042581    7.0889e-33    -11.792    -11.416    -8.7182    -6.2267    -4.4716     -3.2004     -2.335    -1.1904    -0.35101    0.032607    0.35868    0.68475    1.0108    1.4999    2.4782    4.6791    7.5323         8.3027             0.87095               10.401                     1               9.9325             0.88713              0.29273               0.30444            0.027388       0.14343     0.38568     0.66721      0.86082       1.0015       1.1025       1.2355       1.3139      1.3245        1.3105       1.2839       1.2584       1.2137       1.1399       1.0433        1.0061  
    cl_mt_coh      -1.3722     3.4717       -2.53     -12.468    50.122           0    0.57853    0.42147    0.00037944    4.6392e-33    -12.423    -12.378    -9.3316    -6.6966     -4.736     -3.3543    -2.4352    -1.1819    -0.26276     0.15502    0.48925    0.77867    1.1577     1.659    2.6617    4.9177    7.7974         9.5317             0.92884               9.9325               0.88713               12.053                   1              0.53587               0.51772            0.032075       0.15093     0.40497     0.69595      0.90079       1.0501         1.15       1.2828       1.3535      1.3518        1.3306       1.3079       1.2702       1.2217       1.1439       1.0441        1.0064  
    cl_mt_pol_c     1.3204    0.29815      0.2258       0.035    4.9056           0          0          1      0.015959    7.0889e-33      0.035      0.035     1.0816     1.0995     1.1132      1.1262     1.1375     1.1766      1.2519      1.3646     1.4801     1.5555    1.6168    1.7042    1.8364    2.1022    2.3508        0.53044             0.60189              0.29273               0.30444              0.53587             0.51772              0.08889                     1          0.00042303    0.00042303    0.028072    0.072073      0.11217       0.1535      0.19681      0.28402      0.42283      0.5697       0.67825      0.73547      0.79388      0.85719      0.92425      0.98337       0.99815  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 30.356285 seconds.
Elapsed time is 15.598895 seconds.
                    mean        sd      coefofvar      min       max       pYis0      pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25         p35        p50         p65         p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    ______    _________    _______    ______    _______    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    ________    _______    ________    ________    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.5639    3.0372      1.9421     -7.8995    14.914          0    0.26267    0.73733    0.00019548    -1.6823e-34    -7.1389    -6.2228    -4.5705    -3.0823    -1.9132    -0.94599    -0.17664    0.98041      2.1921      3.1375     3.8111     4.0654      4.486    4.9123    5.5761    6.7954    7.9341         9.2247                   1               8.9878               0.86551               10.408             0.93375              0.53913               0.61315           -0.013198     -0.055651    -0.17977    -0.30136     -0.38048     -0.42568      -0.4431     -0.41456     -0.25917     6.025e-05     0.23966      0.34553      0.48359      0.63081      0.79813      0.95348       0.99473  
    cl_mt_pol_a    -1.8704     3.419     -1.8279     -12.195    48.373    0.04279    0.67289    0.28432    1.3431e-05    -1.6823e-34    -11.848    -11.521    -9.3931    -7.2852    -5.6162      -4.319      -3.327    -1.9535    -0.80885    -0.12209    0.11413    0.35868    0.76627    1.2554    2.2336    4.4346    7.2062         8.9878             0.86551                11.69                     1                11.08             0.88304              0.29599               0.29904           0.0095163      0.083059     0.28708      0.5099      0.68102      0.81367      0.91484       1.0526       1.1585        1.1904      1.1893        1.182       1.1639       1.1386       1.0933       1.0295        1.0044  
    cl_mt_coh      -1.9381    3.6699     -1.8936     -12.468    50.122          0    0.65205    0.34795    1.1896e-05    -5.9257e-34     -12.43    -12.391    -10.052    -7.7828    -5.9574     -4.5497     -3.4891    -2.0174     -0.7641    -0.01209    0.23858    0.48925    0.88143    1.3956    2.3982    4.6543     7.508         10.408             0.93375                11.08               0.88304               13.469                   1              0.58255               0.54831            0.010724       0.08691      0.2981     0.52628      0.70226      0.83728      0.93973       1.0792       1.1817         1.207      1.2006       1.1907       1.1726       1.1441       1.0961       1.0301        1.0044  
    cl_mt_pol_c     1.3221    0.2895     0.21897       0.035    4.9056          0          0          1      0.018568    -1.6823e-34      0.035      0.035     1.1254      1.145     1.1595      1.1705      1.1818     1.2039      1.2532      1.3238      1.448     1.4882     1.5881     1.692    1.8194     2.092    2.3439        0.53913             0.61315              0.29599               0.29904              0.58255             0.54831              0.08381                     1          0.00049156    0.00049156    0.026908    0.069739      0.11426      0.15763      0.20235      0.29182      0.43249       0.57705     0.68152      0.74063      0.79705      0.85912      0.92501      0.98333       0.99816  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 48.797257 seconds.
Elapsed time is 106.697351 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25         p35        p50        p65          p75         p80         p85        p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    _______    ________    _______    _______    ________    _________    ________    _______    _______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.1504     3.0819       2.679     -7.5533    14.923           0    0.31723    0.68277    0.00023697    -9.8867e-35     -7.229    -6.0702    -4.7848     -3.526    -2.5028    -1.6245    -0.86491    0.36696      1.707      2.7362       3.4271      3.8392     4.2082     4.7112     5.404    6.6355    7.8244         9.4981                   1               9.5817               0.85021                11.26             0.93702               0.56789              0.66323          -0.0069492     -0.057559    -0.24547    -0.42496      -0.5553     -0.64459     -0.69816     -0.71729     -0.57626     -0.28244     -0.012209     0.14695      0.32508      0.52473       0.7328      0.93779       0.99306  
    cl_mt_pol_a    -2.8764     3.6568     -1.2713     -12.195    48.373    0.046922    0.77745    0.17563    7.0895e-06    -9.8867e-35    -11.924    -11.728    -10.326    -8.7182    -7.3359    -6.1395     -5.1204    -3.5157    -1.8301    -0.74444      -0.1984           0    0.19564    0.68475     1.663    3.7824    6.6356         9.5817             0.85021               13.372                     1                 12.5             0.87667               0.31973              0.31471            0.008556       0.04427     0.19476     0.36068      0.49944      0.61599      0.71373      0.86238      0.99843       1.0634        1.0786      1.0796       1.0779       1.0705       1.0498       1.0175        1.0026  
    cl_mt_coh      -2.9991     3.8991     -1.3001     -12.468    50.122           0    0.76971    0.23029    6.6708e-06     3.2255e-36    -12.438    -12.416    -10.973    -9.2406    -7.7515    -6.4832     -5.3896    -3.6573    -1.8727    -0.70294    -0.095646    0.091733     0.3072    0.82347    1.7739    3.9911    6.9007          11.26             0.93702                 12.5               0.87667               15.203                   1               0.66796               0.6166           0.0094494      0.046853     0.19927     0.36739      0.50793      0.62644      0.72612      0.87483       1.0098       1.0721        1.0848      1.0842       1.0813       1.0723       1.0519       1.0176        1.0027  
    cl_mt_pol_c     1.3236    0.27783     0.20991       0.035    4.9056           0          0          1       0.02228    -9.8867e-35      0.035      0.035     1.1891     1.2076     1.2181     1.2274      1.2352     1.2499     1.2712      1.3155        1.375      1.4494     1.5615     1.6455     1.798    2.0736    2.3284        0.56789             0.66323              0.31973               0.31471              0.66796              0.6166              0.077191                    1          0.00058914    0.00058914     0.02373    0.068944      0.11476      0.16096       0.2075       0.3015      0.44453      0.59028       0.69199     0.74476      0.80117      0.86104      0.92623      0.98363        0.9982  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 10
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it_a_n = 750, it_z_n = 33
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Elapsed time is 9.907015 seconds.
Elapsed time is 0.821636 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val        1.881     2.9418      1.5639     -8.0934    14.911           0    0.22101    0.77899    0.00016564    5.9956e-33    -7.2901    -6.3289    -4.2668    -2.5736    -1.3031    -0.33196    0.39682     1.4392      2.4814      3.3508    3.9042      4.266    4.5961    5.0534    5.6945    6.8833    8.0024         8.6539                   1               8.1671               0.87151               9.3661             0.92777               0.52908              0.59967          -0.0093224    -0.039268    -0.14599    -0.23604     -0.28652     -0.30765     -0.30628     -0.25548     -0.093339     0.14191      0.34018      0.44582      0.55979      0.68824      0.83131      0.96087       0.99556  
    cl_mt_pol_a    -1.2513     3.1856     -2.5459     -12.195    48.373    0.047992    0.58428    0.36773    0.00029395    5.9956e-33    -11.792    -11.416    -8.5922    -5.9977    -4.2427     -3.0218    -2.1824     -1.072    -0.27471    0.032607    0.4402    0.68475    1.0108    1.5815    2.4782    4.7607    7.5323         8.1671             0.87151               10.148                     1               9.6979              0.8871               0.29137              0.30497            0.024558      0.14903     0.40888     0.70289      0.90294        1.046        1.146       1.2731        1.3541      1.3596       1.3387       1.3162       1.2857       1.2293       1.1541       1.0457        1.0068  
    cl_mt_coh      -1.2769     3.4317     -2.6875     -12.468    50.122           0    0.56815    0.43185    0.00026614    6.3146e-31    -12.423    -12.378    -9.2033    -6.4459    -4.5241     -3.1872    -2.2681    -1.0596     -0.1792     0.15502    0.5728    0.82347    1.1577    1.7426    2.6617    5.0013    7.8422         9.3661             0.92777               9.6979                0.8871               11.777                   1               0.52864              0.51363            0.028492      0.15749       0.439     0.73727      0.94733       1.0955       1.1997       1.3259        1.3976      1.3913       1.3613       1.3345          1.3       1.2387       1.1591       1.0467        1.0069  
    cl_mt_pol_c     1.3205    0.29992     0.22713       0.035    4.9056           0          0          1      0.015578    5.9956e-33      0.035      0.035     1.0743     1.0926     1.1082      1.1204     1.1327     1.1693      1.2528      1.3781    1.4821     1.5555    1.6445    1.7082    1.8612    2.1037    2.3528        0.52908             0.59967              0.29137               0.30497              0.52864             0.51363              0.089949                    1           0.0004129    0.0004129    0.029401    0.069331       0.1111      0.15419      0.19577      0.28294        0.4199      0.5695      0.67724      0.73647      0.79364      0.85682      0.92429      0.98323       0.99817  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 30.286896 seconds.
Elapsed time is 17.999938 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25        p35        p50        p65        p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ______    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.7509     2.9866      1.7058     -7.9864    14.913           0    0.23872    0.76128    0.00017749    4.3369e-36     -7.208    -6.2723    -4.4166    -2.8085    -1.5742    -0.60155    0.14989     1.2643       2.386    3.2332     3.8453     4.1682       4.55    4.9936    5.6499    6.8447    7.9689         8.9196                   1               8.5843               0.86971               9.8817             0.93129              0.53242                0.6053           -0.010744     -0.045616    -0.15847    -0.26056      -0.3225     -0.35298     -0.35894     -0.31565     -0.15613     0.087547      0.30345      0.40866      0.53369      0.66728      0.82027      0.95807       0.99526  
    cl_mt_pol_a    -1.5288     3.3049     -2.1617     -12.195    48.373    0.034073    0.62919    0.33674    4.0085e-06    4.3369e-36    -11.737    -11.521    -8.9737    -6.6534    -4.8979     -3.6322    -2.7146    -1.4956    -0.43527         0    0.27716    0.52172    0.92931    1.4184    2.3966    4.5976    7.3692         8.5843             0.86971               10.922                     1               10.408             0.88639              0.29427               0.30232            0.016236      0.076744     0.34481     0.59832      0.78599      0.92345       1.0257       1.1592       1.2477       1.2655       1.2574       1.2446        1.217       1.1814       1.1186       1.0369        1.0055  
    cl_mt_coh      -1.5736     3.5528     -2.2578     -12.468    50.122           0    0.60167    0.39833    3.6267e-06    3.4752e-36    -12.417    -12.391     -9.621    -7.1144    -5.2054     -3.8105    -2.8078    -1.5161    -0.37191    0.1088    0.40569    0.65636     1.0485    1.5755    2.5654    4.8214    7.6751         9.8817             0.93129               10.408               0.88639               12.623                   1              0.55199               0.52753            0.018448      0.081936     0.35847      0.6233      0.81669      0.95888       1.0634       1.1968       1.2798       1.2884        1.273       1.2573       1.2303       1.1874       1.1238       1.0383        1.0056  
    cl_mt_pol_c     1.3213    0.29452      0.2229       0.035    4.9056           0          0          1      0.016857    4.3369e-36      0.035      0.035     1.0987     1.1171     1.1302      1.1428     1.1548     1.1849      1.2519    1.3453      1.478     1.5494     1.6036    1.6992    1.8276    2.0981    2.3488        0.53242              0.6053              0.29427               0.30232              0.55199             0.52753              0.08674                     1          0.00044653    0.00044653    0.027708    0.069727      0.11208      0.15508      0.19879      0.28701      0.42528      0.57203      0.68043      0.73544      0.79812      0.85772      0.92478      0.98347       0.99818  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 52.052120 seconds.
Elapsed time is 44.827291 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25         p35        p50        p65         p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    _______    ________    _______    _______    ________    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.4219     3.0618      2.1533     -7.7505    14.918           0    0.28214    0.71786    0.00020932    -1.0562e-36    -7.0231    -6.1339    -4.6515    -3.2733     -2.146     -1.213    -0.42943    0.78383     2.0294       3.062     3.6905     3.9881     4.4251    4.8362    5.5078    6.7411    7.9051         9.3748                   1               9.3195               0.86148               10.838             0.93603               0.54787              0.62972          -0.0052645     -0.065647     -0.1981    -0.33663     -0.43141     -0.48984     -0.51829     -0.50355     -0.35065     -0.081523     0.15373      0.29411      0.44102      0.60067      0.78054      0.94929        0.9943  
    cl_mt_pol_a    -2.2415     3.5332     -1.5762     -12.195    48.373    0.032515     0.7209    0.24659    1.3578e-06    -1.0562e-36    -11.858    -11.601    -9.8894    -7.9054    -6.3367    -5.0643     -4.0232    -2.5144    -1.0604    -0.28069          0    0.19564    0.52172    1.0108     1.989      4.19    7.0432         9.3195             0.86148               12.483                     1               11.791             0.88255               0.30616              0.30495           0.0091576      0.063853     0.24471     0.44229      0.60009      0.72634      0.82819      0.97141        1.088        1.1303       1.135       1.1327       1.1238       1.1068       1.0731       1.0238        1.0035  
    cl_mt_coh      -2.3302     3.7814     -1.6228     -12.468    50.122           0    0.70132    0.29868    1.2653e-06     2.1978e-35    -12.431    -12.401    -10.555     -8.405     -6.719    -5.3597     -4.2272    -2.6173    -1.0446    -0.20907    0.11413    0.32213    0.64143    1.1577     2.138    4.4015    7.3035         10.838             0.93603               11.791               0.88255               14.299                   1               0.61375              0.57119           0.0099777      0.067989     0.25155     0.45315      0.61519      0.74439      0.84663      0.99069       1.1051        1.1429      1.1435       1.1392       1.1289       1.1095       1.0753       1.0242        1.0036  
    cl_mt_pol_c     1.3223    0.28415     0.21489       0.035    4.9056           0          0          1      0.019864    -1.0562e-36      0.035      0.035     1.1572     1.1733     1.1851     1.1954      1.2046     1.2219     1.2537      1.3115      1.423      1.478     1.5758    1.6777    1.8112    2.0859    2.3386        0.54787             0.62972              0.30616               0.30495              0.61375             0.57119              0.080743                    1          0.00052579    0.00052579    0.025878    0.070018      0.11459      0.15963      0.20499      0.29677      0.43725       0.58177     0.68532      0.74008      0.79835      0.85939      0.92531      0.98361       0.99822  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 11.6667
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it_a_n = 750, it_z_n = 33
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Elapsed time is 9.267717 seconds.
Elapsed time is 0.764368 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9094     2.9316      1.5353     -8.1187     14.91           0     0.2167     0.7833    0.00016261     5.8153e-33    -7.3096    -6.3423    -4.2337    -2.5248    -1.2421    -0.26663    0.44788     1.4931      2.5132      3.3931    3.9036     4.2598    4.6033    5.0727    5.7058    6.8894    8.0183         8.5945                   1               8.0766               0.87194               9.2539             0.92693              0.52918               0.59983          -0.0090154     -0.038061    -0.14352     -0.2309     -0.27932     -0.29837     -0.29536     -0.24312     -0.080999      0.1549      0.34274      0.45074      0.5705       0.69497      0.83317      0.96135       0.99569  
    cl_mt_pol_a    -1.1895     3.1596     -2.6562     -12.195    48.373    0.049728    0.57624    0.37403    0.00022094     5.8153e-33    -11.792    -11.416    -8.4817    -5.8451    -4.0901     -2.8691    -2.0298    -1.0378    -0.27471    0.032607    0.4402    0.76627    1.0923    1.5815    2.5597    4.7607    7.6138         8.0766             0.87194               9.9831                     1               9.5485             0.88743              0.29217               0.30728            0.021786       0.15303     0.42866     0.73273      0.93577       1.0819       1.1864        1.306        1.3823      1.3878       1.3652       1.3317      1.3002        1.2471       1.1609       1.0495        1.0069  
    cl_mt_coh      -1.2108     3.4054     -2.8124     -12.468    50.122           0    0.56018    0.43982    0.00019651    -7.6667e-33    -12.423    -12.378    -9.1197    -6.2788     -4.357     -3.0201     -2.101    -1.0148     -0.1792     0.15502    0.5728    0.86223    1.2413    1.7426    2.7453    5.0013    7.9197         9.2539             0.92693               9.5485               0.88743               11.597                   1              0.52467               0.51197            0.025546       0.16227     0.45643     0.77103      0.98533       1.1369       1.2453        1.364        1.4304      1.4232       1.3907       1.3628      1.3158        1.2579       1.1665       1.0508        1.0074  
    cl_mt_pol_c     1.3202    0.30093     0.22795       0.035    4.9056           0          0          1      0.015283     5.8153e-33      0.035      0.035     1.0697     1.0876     1.1025       1.114     1.1285     1.1655      1.2532      1.3801    1.4841     1.5555     1.642    1.7114    1.8589    2.1042    2.3528        0.52918             0.59983              0.29217               0.30728              0.52467             0.51197              0.09056                     1          0.00040519    0.00040519    0.029533    0.070724      0.11114      0.15442       0.1986      0.28386       0.41885     0.56845      0.67975      0.73358      0.7933       0.85783      0.92399       0.9834       0.99815  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 24.199481 seconds.
Elapsed time is 16.594130 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20        p25        p35        p50         p65         p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    _______    _______    _______    ________    ________    _______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.8249     2.9615      1.6228     -8.0399    14.914           0    0.22905    0.77095    0.00016985    -5.7555e-35    -7.2488    -6.3001    -4.3414    -2.6827    -1.4257    -0.4527    0.30381     1.3562       2.423      3.3202     3.8758     4.2205    4.5676    5.0297    5.6734    6.8653    7.9873         8.7702                   1               8.3572               0.87068               9.6014             0.92948               0.52966                0.602          -0.0098793     -0.041875     -0.1512    -0.24614     -0.30161     -0.32675     -0.32845     -0.28072     -0.11997      0.12483       0.3253      0.42788      0.54797      0.67913      0.82653      0.95967       0.99546  
    cl_mt_pol_a    -1.3778     3.2411     -2.3524     -12.195    48.373    0.034322    0.61049    0.35518    1.5707e-06    -5.7555e-35    -11.737    -11.416    -8.7484     -6.303    -4.5479    -3.3112    -2.4113    -1.2667    -0.35425    0.032607    0.35868    0.60323    1.0108    1.4999    2.4782    4.6791    7.4508         8.3572             0.87068               10.505                     1               10.027             0.88688               0.29135              0.30257            0.011883       0.14012      0.3766     0.65054      0.84461      0.98424       1.0871       1.2194       1.2991       1.3113       1.2976       1.2812       1.2472       1.2044        1.134       1.0415        1.0062  
    cl_mt_coh      -1.4123     3.4881     -2.4697     -12.468    50.122           0    0.58071    0.41929    1.3681e-06     3.2904e-35    -12.417    -12.378    -9.3832    -6.7801    -4.8388    -3.4635    -2.5188    -1.2654    -0.27556     0.12942    0.48925    0.73992    1.1193    1.6462    2.6489    4.9049    7.7586         9.6014             0.92948               10.027               0.88688               12.167                   1               0.53743               0.5186            0.013444       0.14711     0.39607     0.67848      0.88096        1.027        1.132       1.2643        1.337        1.339       1.3166       1.2967       1.2644       1.2157       1.1409       1.0433        1.0062  
    cl_mt_pol_c     1.3208    0.29709     0.22494       0.035    4.9056           0          0          1      0.016154    -5.7555e-35      0.035      0.035     1.0858     1.1042     1.1171     1.1302     1.1426     1.1778      1.2523      1.3627     1.4801     1.5555    1.6036    1.7053    1.8296    2.1001    2.3508        0.52966               0.602              0.29135               0.30257              0.53743              0.5186              0.088265                    1          0.00042806    0.00042806    0.028148     0.06953      0.11152      0.15444      0.19741      0.28463      0.42427      0.57034      0.68121      0.73783      0.79478      0.85768      0.92436      0.98331       0.99818  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 47.772356 seconds.
Elapsed time is 67.290604 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25         p35        p50         p65         p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    ________    _______    ________    ________    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.5393     3.0408      1.9754     -7.8791    14.915           0     0.2657     0.7343    0.00019748    1.1079e-34    -7.1225    -6.2109    -4.5841    -3.1163    -1.9445    -0.99275    -0.21693    0.94827      2.1685      3.1475     3.7901     4.0571      4.493    4.9104    5.5743     6.791    7.9364         9.2466                   1               9.0243               0.86479                10.46             0.93415               0.54039               0.6161           -0.013552     -0.057302    -0.18273    -0.30695     -0.38844     -0.43562     -0.45484     -0.42857     -0.27328     -0.012875     0.21574      0.33693      0.48405       0.6298      0.79772      0.95293       0.99471  
    cl_mt_pol_a    -1.9268     3.4317     -1.7811     -12.195    48.373    0.041435    0.68026    0.27831     3.221e-07    1.1079e-34    -11.792    -11.538     -9.481    -7.3735     -5.723     -4.4188     -3.4215    -2.0406    -0.83556    -0.12407    0.11413    0.35868    0.68475    1.2554    2.1521    4.4346    7.2062         9.0243             0.86479               11.777                     1                11.15             0.88235               0.29705              0.30009           0.0098332      0.074207     0.27907     0.49725      0.66561      0.79707      0.89882       1.0366       1.1435        1.1795       1.179       1.1718       1.1585       1.1312       1.0912       1.0278        1.0042  
    cl_mt_coh      -1.9979     3.6822     -1.8431     -12.468    50.122           0    0.66129    0.33871    2.8038e-07    2.9947e-35    -12.423    -12.393     -10.13    -7.8738    -6.0655     -4.6912     -3.6125    -2.1085     -0.8089    -0.03449    0.23111    0.48178      0.816    1.3785    2.3275    4.6223     7.493          10.46             0.93415                11.15               0.88235               13.559                   1               0.58746               0.5531            0.011199      0.077788     0.28887     0.51218      0.68559      0.82044      0.92248       1.0621       1.1657        1.1954        1.19       1.1808       1.1651       1.1376       1.0927       1.0293        1.0043  
    cl_mt_pol_c     1.3222    0.28845     0.21815       0.035    4.9056           0          0          1      0.018811    1.1079e-34      0.035      0.035     1.1314     1.1504     1.1636      1.1751      1.1859     1.2079      1.2536      1.3231     1.4405     1.4862      1.586    1.6879    1.8194    2.0915    2.3426        0.54039              0.6161              0.29705               0.30009              0.58746              0.5531              0.083201                    1          0.00049794    0.00049794     0.02695    0.069701      0.11347      0.15768      0.20339      0.29274      0.43247       0.58264     0.68329      0.74078      0.79746      0.85903      0.92557      0.98339       0.99817  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 13.3333
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it_a_n = 750, it_z_n = 33
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Elapsed time is 10.169541 seconds.
Elapsed time is 0.833595 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35         p50         p65       p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    ________    ________    _______    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9276     2.9222       1.516     -8.1357    14.912           0    0.21459    0.78541    0.00016021     4.7614e-34    -7.3222    -6.3504    -4.2178      -2.47    -1.1944    -0.23925    0.48656      1.4995      2.5269     3.3874    3.9238     4.2919    4.5998    5.0697    5.7036    6.8961    8.0178         8.5392                   1                7.989               0.87194               9.1493             0.92612               0.52929              0.59979          -0.0088097     -0.037187    -0.14184    -0.22775     -0.27415     -0.29192     -0.28815     -0.23444     -0.071151     0.15757      0.34794      0.45386      0.57124      0.69532      0.83336      0.96202       0.99568  
    cl_mt_pol_a    -1.1509     3.1354     -2.7243     -12.195    48.373    0.048945     0.5732    0.37786    0.00016889     4.7614e-34    -11.792    -11.416    -8.4029    -5.7688    -3.9374     -2.7928    -1.9535    -0.96147    -0.27471    0.11413    0.4402    0.76627    1.0923    1.5815    2.5597    4.7607    7.6138          7.989             0.87194               9.8309                     1               9.4053             0.88729               0.29191               0.3083            0.019427       0.15542     0.44001     0.74617      0.95986       1.1001       1.2046       1.3271        1.3983      1.4022       1.3809        1.346       1.3132       1.2579        1.168       1.0518        1.0072  
    cl_mt_coh      -1.1693     3.3807     -2.8912     -12.468    50.122           0    0.55538    0.44462    0.00015111    -2.0552e-32    -12.423    -12.378    -9.0362    -6.1565    -4.1899     -2.9366    -2.0174    -0.93121     -0.1792    0.19378    0.5728    0.90098    1.2413    1.7426    2.7453    5.0013    7.9257         9.1493             0.92612               9.4053               0.88729               11.429                   1                0.5211              0.51041            0.023017       0.16521     0.47176     0.78871       1.0131       1.1588       1.2672       1.3885        1.4499      1.4421       1.4084       1.3794       1.3301       1.2698       1.1743       1.0532        1.0074  
    cl_mt_pol_c     1.3197    0.30199     0.22883       0.035    4.9056           0          0          1      0.015072     4.7614e-34      0.035      0.035     1.0624     1.0832     1.0995      1.1097     1.1254      1.1655      1.2496     1.3822    1.4841     1.5576    1.6472    1.7114    1.8633    2.1042    2.3549        0.52929             0.59979              0.29191                0.3083               0.5211             0.51041              0.091196                    1          0.00039974    0.00039974    0.028884    0.069199      0.11426      0.15295      0.19443      0.28483       0.41788     0.56843      0.67705      0.73512      0.79615      0.85651      0.92489      0.98324       0.99819  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 29.619074 seconds.
Elapsed time is 10.711446 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.8664      2.948      1.5795     -8.0801    14.911           0    0.22375    0.77625    0.00016534    -5.5639e-34    -7.2801    -6.3223     -4.286    -2.6076    -1.3277    -0.36481    0.37359     1.4502      2.4665      3.3237    3.9082     4.2493    4.5727    5.0445    5.6954    6.8755    8.0033         8.6907                   1               8.2279               0.87154               9.4398             0.92841               0.52937              0.60091          -0.0094335     -0.040045    -0.14746     -0.2387     -0.29069     -0.31287     -0.31233     -0.26063      -0.1011      0.13387      0.33912      0.43923      0.55744      0.68588       0.8285      0.96066       0.99557  
    cl_mt_pol_a    -1.2826     3.2024     -2.4968     -12.195    48.373    0.042645    0.59255    0.36481    6.5558e-07    -5.5639e-34    -11.628    -11.416    -8.5966    -6.1093    -4.3216     -3.0981    -2.2025    -1.1141    -0.27982    0.032607    0.4402    0.68475    1.0108    1.5815    2.4782    4.7607    7.5323         8.2279             0.87154               10.255                     1               9.7992              0.8872               0.29242              0.30557            0.027065       0.14567      0.4011     0.68519      0.88597       1.0298       1.1337       1.2613       1.3372       1.3474       1.3275       1.3057       1.2763       1.2216        1.149       1.0442        1.0065  
    cl_mt_coh      -1.3106      3.449     -2.6316     -12.468    50.122           0    0.57066    0.42934    5.8056e-07     3.1426e-34    -12.417    -12.378    -9.2868    -6.5295    -4.6077     -3.2708    -2.2809    -1.0983     -0.2048     0.15502    0.5472    0.81067    1.1577    1.7298    2.6617    4.9629    7.8422         9.4398             0.92841               9.7992                0.8872               11.896                   1               0.53196              0.51614           0.0099872       0.15362     0.42318     0.72264      0.93144       1.0783        1.185       1.3121       1.3802       1.3774       1.3535       1.3282       1.2897        1.235       1.1537       1.0473        1.0066  
    cl_mt_pol_c     1.3205    0.29883     0.22629       0.035    4.9056           0          0          1      0.015728    -5.5639e-34      0.035      0.035     1.0786      1.096     1.1103      1.1224     1.1357     1.1704      1.2527      1.3781    1.4821     1.5555    1.6384    1.7073    1.8612    2.1022    2.3528        0.52937             0.60091              0.29242               0.30557              0.53196             0.51614              0.089298                    1          0.00041685    0.00041685    0.028869    0.070351      0.11148      0.15341      0.19655      0.28341      0.42155      0.57326      0.68021      0.73808      0.79375       0.8575      0.92542      0.98324       0.99819  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 52.407002 seconds.
Elapsed time is 59.242450 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25         p35        p50         p65        p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    ________    _______    ________    _______    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.7096     3.0007      1.7552      -7.965    14.913           0    0.24416    0.75584    0.00018079     2.6783e-37    -7.1912    -6.2605    -4.4667    -2.8851    -1.6537    -0.68483    0.080864     1.2114      2.3618     3.1877     3.8484     4.1312     4.5236    4.9851     5.621    6.8333     7.971         9.0041                   1               8.7037               0.86915                10.03             0.93205                0.5349              0.60789           -0.011194     -0.047566    -0.16286    -0.26922     -0.33503     -0.36862       -0.377     -0.33721     -0.17753     0.069106      0.27744      0.39355      0.52515      0.66068      0.81435      0.95719       0.99521  
    cl_mt_pol_a    -1.6059     3.3373     -2.0781     -12.195    48.373    0.034326    0.63619    0.32949    7.7385e-08     2.6783e-37    -11.728    -11.477    -9.0703      -6.83     -5.082     -3.7848     -2.8229    -1.5803    -0.50632          0    0.27716    0.52172    0.84779    1.4184    2.3966    4.5976    7.3692         8.7037             0.86915               11.137                     1               10.607             0.88623               0.29666              0.30314            0.012526      0.098146     0.33008     0.57541       0.7604      0.89833       1.0001       1.1336       1.2261       1.2455       1.2378       1.2262       1.2052       1.1667       1.1099       1.0341        1.0051  
    cl_mt_coh      -1.6559     3.5864     -2.1658     -12.468    50.122           0    0.60987    0.39013    6.9169e-08    -7.5995e-38    -12.416    -12.386    -9.7195    -7.2889    -5.3896     -4.0228      -2.959    -1.6071    -0.43734    0.10667    0.38329    0.64889    0.98312    1.5456    2.5334    4.7894    7.6601          10.03             0.93205               10.607               0.88623               12.862                   1               0.56027              0.53274            0.014525        0.1024     0.34295     0.59833      0.78781       0.9291        1.033       1.1683       1.2559       1.2664       1.2545       1.2386        1.215       1.1767       1.1175       1.0364        1.0053  
    cl_mt_pol_c     1.3212    0.29324     0.22195       0.035    4.9056           0          0          1      0.017214     2.6783e-37      0.035      0.035     1.1067     1.1246     1.1378      1.1498      1.1614     1.1869      1.2519     1.3394      1.476     1.5467     1.5941    1.6981    1.8255    2.0973     2.348         0.5349             0.60789              0.29666               0.30314              0.56027             0.53274              0.085991                    1          0.00045601    0.00045601    0.027555    0.069875      0.11245      0.15589      0.19969      0.28884      0.42702      0.57475      0.68391      0.73561      0.79523      0.85823      0.92555      0.98325       0.99817  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 15
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it_a_n = 750, it_z_n = 33
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Elapsed time is 9.980781 seconds.
Elapsed time is 0.871094 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35         p50         p65       p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    ________    ________    _______    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9351     2.9197      1.5088     -8.1511     14.91           0    0.21311    0.78689    0.00015957    -4.4358e-31    -7.3342    -6.3589    -4.1958     -2.465    -1.1706    -0.21434     0.4994      1.5133      2.5179      3.407    3.9322      4.292    4.6253    5.0773    5.7162     6.893     8.019         8.5245                   1               7.9569               0.87207               9.1102             0.92573               0.52992              0.60034          -0.0087171     -0.036826    -0.14144    -0.22652     -0.27245     -0.28954     -0.28531     -0.23144     -0.070565     0.16339      0.35414      0.45786      0.57438       0.6954      0.83555      0.96178        0.9957  
    cl_mt_pol_a    -1.1258     3.1251      -2.776     -12.195    48.373    0.049359    0.57042    0.38022     0.0001347    -4.4358e-31    -11.792    -11.416    -8.3632    -5.6925    -3.9098     -2.7165    -1.9391    -0.96147    -0.27471    0.11413    0.4402    0.76627    1.0923     1.663    2.5597    4.8422    7.6138         7.9569             0.87207               9.7661                     1               9.3461             0.88729               0.29256              0.30965            0.017599       0.15749     0.45209     0.76174      0.96855       1.1183       1.2158       1.3391        1.4123      1.4162       1.3943       1.3586       1.3252       1.2599       1.1739       1.0512        1.0075  
    cl_mt_coh      -1.1425     3.3706     -2.9502     -12.468    50.122           0      0.553      0.447    0.00012038    -7.0825e-31    -12.423    -12.378    -8.9974    -6.1117    -4.1063      -2.853    -1.9787    -0.93121     -0.1792    0.23858    0.5728    0.90703    1.2413    1.8261    2.7453    5.0788    7.9257         9.1102             0.92573               9.3461               0.88729               11.361                   1               0.52017              0.51046            0.020948       0.16768     0.47766     0.80542       1.0348       1.1796       1.2805        1.403        1.4661      1.4538       1.4233        1.381       1.3432       1.2721       1.1806       1.0551        1.0077  
    cl_mt_pol_c     1.3195    0.30233     0.22912       0.035    4.9056           0          0          1      0.014977    -4.4358e-31      0.035      0.035     1.0586     1.0816     1.0952      1.1096      1.123       1.165      1.2502     1.3837    1.4861     1.5576    1.6472    1.7114    1.8633    2.1058    2.3549        0.52992             0.60034              0.29256               0.30965              0.52017             0.51046              0.091404                    1          0.00039726    0.00039726    0.030592    0.069145      0.10998       0.1574      0.19404      0.28068       0.41745     0.56718      0.67688      0.73372      0.79608      0.85761      0.92426      0.98319       0.99818  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 26.967599 seconds.
Elapsed time is 11.711041 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9008     2.9336      1.5433      -8.107    14.911           0     0.2182     0.7818    0.00016252    4.5808e-34    -7.3007    -6.3363    -4.2473    -2.5385    -1.2591    -0.29191    0.43052     1.4688      2.5192      3.3641    3.8993     4.2615    4.5966    5.0711    5.6914    6.8913     8.001          8.606                   1               8.1024               0.87187                9.286              0.9273               0.52879              0.60025          -0.0090701     -0.038445    -0.14448    -0.23224     -0.28124     -0.30094     -0.29863     -0.24622     -0.081793     0.14754      0.34127      0.44707      0.56511      0.69075       0.8313      0.96144       0.99561  
    cl_mt_pol_a    -1.2118     3.1678     -2.6142     -12.195    48.373    0.049276    0.57879    0.37193    2.9914e-07    4.5808e-34    -11.628    -11.416    -8.5159    -5.9214    -4.1661     -2.9454    -2.1061    -1.0378    -0.27471    0.032607    0.4402    0.68475    1.0923    1.5815    2.5597    4.7607    7.5323         8.1024             0.87187               10.035                     1               9.5959             0.88741                0.2922              0.30717            0.022399          0.15     0.42555     0.71856      0.92087       1.0647       1.1687       1.2963        1.3716      1.3771       1.3553       1.3334       1.2921       1.2404       1.1567        1.048        1.0071  
    cl_mt_coh      -1.2348     3.4135     -2.7645     -12.468    50.122           0    0.56255    0.43745    2.6902e-07    3.7357e-34    -12.404    -12.378    -9.1325    -6.3624    -4.3826     -3.0585    -2.1845    -1.0148     -0.1792     0.15502    0.5728    0.82347    1.2157    1.7426    2.7325    5.0013    7.8422          9.286              0.9273               9.5959               0.88741               11.652                   1               0.52591              0.51305             0.02468       0.15882     0.44682      0.7565      0.96991        1.119       1.2253       1.3522        1.4179      1.4111       1.3796       1.3536        1.314       1.2507       1.1651       1.0491        1.0072  
    cl_mt_pol_c       1.32    0.30029     0.22749       0.035    4.9056           0          0          1      0.015363    4.5808e-34      0.035      0.035     1.0713     1.0902     1.1054      1.1161     1.1293     1.1655      1.2527      1.3801    1.4841     1.5555    1.6452    1.7094    1.8612    2.1042    2.3528        0.52879             0.60025               0.2922               0.30717              0.52591             0.51305              0.090177                    1          0.00040734    0.00040734    0.028368     0.06922      0.11071      0.15294      0.19559      0.28299       0.41968     0.57081      0.67676      0.73478      0.79468      0.85743      0.92536      0.98344       0.99816  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 44.713927 seconds.
Elapsed time is 73.241659 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35        p50        p65        p75        p80        p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ______    _______    _______    _______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.7934     2.9721      1.6573     -8.0218    14.913           0    0.23268    0.76732    0.00017246     -1.466e-34    -7.2352     -6.291    -4.3772    -2.7418    -1.4871    -0.52186    0.23849     1.3205      2.4043     3.273     3.8701     4.2014     4.5489    5.0227    5.6602    6.8581     7.988         8.8336                   1               8.4513                0.8703               9.7176             0.93014               0.53092              0.60326           -0.010192     -0.043356    -0.15425     -0.2523     -0.31049     -0.33782     -0.34125     -0.29549     -0.13451      0.10539      0.30852      0.42315      0.54433      0.67788      0.82288      0.95945       0.99542  
    cl_mt_pol_a    -1.4373     3.2673     -2.2732     -12.195    48.373    0.035006    0.61797    0.34703    2.2868e-08     -1.466e-34    -11.728    -11.477    -8.8273    -6.4556    -4.7005     -3.4215    -2.5144    -1.3502    -0.42732         0    0.35868    0.60323    0.92931    1.4999    2.3966    4.6791    7.4508         8.4513              0.8703               10.675                     1               10.186             0.88687               0.29265              0.30248            0.008547       0.09528     0.36226     0.62756      0.81919      0.95966       1.0616       1.1926       1.2766       1.2917       1.2783       1.2636       1.2374       1.1918       1.1296       1.0387        1.0058  
    cl_mt_coh       -1.476     3.5151     -2.3816     -12.468    50.122           0    0.58739    0.41261    1.9758e-08    -5.0138e-35    -12.416    -12.386    -9.4689    -6.8861    -4.9718     -3.6125    -2.6173    -1.3565    -0.34631    0.1216    0.46685    0.73245     1.0741    1.6366    2.5782    4.8729    7.7512         9.7176             0.93014               10.186               0.88687               12.356                   1               0.54309              0.52176           0.0097846       0.10022     0.37989     0.65511      0.85472      0.99912       1.1034       1.2347       1.3122       1.3167       1.2998       1.2791       1.2479       1.2038        1.133       1.0414        1.0059  
    cl_mt_pol_c     1.3206    0.29612     0.22422       0.035    4.9056           0          0          1      0.016415     -1.466e-34      0.035      0.035     1.0909      1.108     1.1216      1.1349     1.1464       1.18      1.2521    1.3539      1.478     1.5535     1.6036    1.7022    1.8316    2.0997    2.3508        0.53092             0.60326              0.29265               0.30248              0.54309             0.52176              0.087685                    1          0.00043505    0.00043505     0.02816    0.069511      0.11165      0.15451      0.19757      0.28633       0.4246       0.5709      0.67907      0.73675      0.79748      0.85745      0.92508      0.98323        0.9982  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 16.6667
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it_a_n = 750, it_z_n = 33
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Elapsed time is 10.426300 seconds.
Elapsed time is 0.973402 seconds.
                    mean        sd       coefofvar      min       max       pYis0      pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35         p50         p65       p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    _______    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    ________    ________    _______    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9428     2.9161       1.501     -8.1624     14.91          0    0.21149    0.78851    0.00015877    -4.6841e-33    -7.3427    -6.3647    -4.1867    -2.4428    -1.1474    -0.18909    0.52645      1.5341      2.5541     3.4027    3.9286     4.2888    4.6224    5.0849    5.7142    6.9007    8.0185         8.5038                   1               7.9161               0.87201               9.0625             0.92533               0.52961              0.59962          -0.0086363     -0.036396    -0.14092    -0.22495     -0.27019     -0.28685     -0.28204     -0.22626     -0.064964      0.1638      0.35396      0.45793      0.57416      0.69673      0.83549      0.96193       0.99576  
    cl_mt_pol_a    -1.1053      3.113     -2.8164     -12.195    48.373    0.05482    0.56292    0.38226     0.0001111    -4.6841e-33    -11.792    -11.416    -8.2869    -5.6162    -3.8611     -2.6402    -1.8772    -0.96147    -0.27471    0.11413    0.4402    0.76627    1.0923     1.663    2.5597    4.8422    7.6138         7.9161             0.87201               9.6909                     1               9.2735             0.88699               0.29162              0.30929            0.015992       0.15936     0.46488      0.7746      0.98378       1.1326       1.2306       1.3485        1.4231      1.4266       1.4041       1.3676       1.3333       1.2667       1.1783       1.0525        1.0077  
    cl_mt_coh      -1.1206     3.3585     -2.9971     -12.468    50.122          0    0.54998    0.45002    9.8206e-05     9.0448e-33    -12.423    -12.378    -8.9526    -6.0281    -4.1063     -2.7694    -1.9339    -0.93121     -0.1792    0.23858    0.5728    0.90703    1.2413    1.8261    2.7453    5.0848    7.9257         9.0625             0.92533               9.2735               0.88699               11.279                   1               0.51819              0.50941            0.019239       0.16991     0.49164     0.82051       1.0413       1.1963       1.2977       1.4146        1.4789      1.4658       1.4344        1.391       1.3523       1.2795       1.1854       1.0541        1.0079  
    cl_mt_pol_c     1.3196    0.30288     0.22953       0.035    4.9056          0          0          1      0.014903    -4.6841e-33      0.035      0.035      1.056     1.0792     1.0934      1.1071     1.1204      1.1631       1.252     1.3842    1.4862     1.5596    1.6472    1.7103    1.8637    2.1058    2.3549        0.52961             0.59962              0.29162               0.30929              0.51819             0.50941              0.091739                    1          0.00039528    0.00039528     0.02846    0.069128      0.11024      0.15225      0.19391      0.28031       0.41699     0.56952      0.67991      0.73818      0.79553      0.85655      0.92399      0.98318       0.99817  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 27.185413 seconds.
Elapsed time is 16.886249 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25        p35         p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    _______    ________    ________    ________    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9183     2.9262      1.5254      -8.127    14.911           0    0.21532    0.78468    0.00016028     5.366e-35    -7.3159    -6.3465    -4.2229    -2.5028    -1.2096    -0.25762    0.47755      1.4972       2.516      3.3901     3.926      4.276    4.6014    5.0711    5.7046    6.8912    8.0179         8.5629                   1               8.0277               0.87201                9.196             0.92659              0.52928               0.60048          -0.0088703     -0.037622    -0.14279    -0.22912     -0.27661     -0.29504     -0.29176     -0.23784     -0.078606     0.15626      0.34701      0.45172      0.57096      0.69524      0.83331      0.96156       0.99569  
    cl_mt_pol_a    -1.1702      3.146     -2.6884     -12.195    48.373    0.050341    0.57406     0.3756    1.5311e-07     5.366e-35    -11.628    -11.416    -8.4396     -5.822    -4.0137     -2.8186    -2.0298    -0.97936    -0.27471    0.032607    0.4402    0.76627    1.0923    1.5815    2.5597    4.7607    7.6138         8.0277             0.87201               9.8973                     1               9.4674              0.8873               0.2924               0.30856            0.018865       0.15302     0.43742     0.73502      0.94471       1.0874       1.1903       1.3126        1.3903      1.3959       1.3728       1.3386       1.3065       1.2522       1.1643       1.0506         1.007  
    cl_mt_coh      -1.1902     3.3916     -2.8495     -12.468    50.122           0    0.55815    0.44185    1.3513e-07    9.1765e-35    -12.404    -12.378    -9.0618    -6.1952    -4.2735     -2.9494     -2.101    -0.95681     -0.1792     0.15502    0.5728    0.88143    1.2285    1.7426    2.7453    5.0013    7.9129          9.196             0.92659               9.4674                0.8873               11.503                   1              0.52301               0.51196            0.020934       0.16242     0.45986     0.78279      0.99694       1.1457       1.2507       1.3722        1.4399      1.4326       1.3993       1.3711       1.3282       1.2636       1.1703       1.0519        1.0075  
    cl_mt_pol_c     1.3198    0.30121     0.22823       0.035    4.9056           0          0          1      0.015171     5.366e-35      0.035      0.035     1.0659     1.0858     1.1006       1.112     1.1271      1.1655       1.252      1.3822    1.4841     1.5576    1.6472    1.7114    1.8464    2.1037    2.3544        0.52928             0.60048               0.2924               0.30856              0.52301             0.51196              0.09073                     1          0.00040233    0.00040233    0.028431    0.069385      0.11044      0.15287      0.19482      0.28152       0.41838     0.57053      0.67868      0.73635      0.79655      0.85765      0.92401      0.98318       0.99815  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 51.668989 seconds.
Elapsed time is 70.360631 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65         p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    _______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val        1.844     2.9552      1.6026     -8.0642    14.911           0    0.22637    0.77363    0.00016754    -1.1183e-34     -7.268    -6.3141    -4.3178    -2.6455    -1.3749    -0.40472    0.33282     1.3927      2.4326      3.3087     3.8709     4.2308    4.5771    5.0483    5.6835    6.8723    8.0049         8.7332                   1               8.2933                0.8713               9.5199             0.92894               0.53051              0.60295          -0.0096353     -0.040964    -0.14941    -0.24269     -0.29647     -0.32015     -0.32076     -0.27184     -0.11157       0.1255       0.3223      0.43644      0.55658       0.6854      0.82769         0.96       0.99557  
    cl_mt_pol_a    -1.3269     3.2209     -2.4274     -12.195    48.373    0.035411    0.60459       0.36    7.1121e-09    -1.1183e-34    -11.664    -11.477    -8.6685    -6.2166    -4.4188     -3.1828     -2.283    -1.1968    -0.35289    0.032607    0.35868    0.68475    1.0108    1.5815    2.4782    4.6791    7.5323         8.2933              0.8713               10.374                     1               9.9087             0.88713               0.29381              0.30638            0.013601      0.090135     0.39201      0.6674      0.86704       1.0069       1.1102       1.2386       1.3186       1.3308       1.3161       1.2893       1.2634       1.2116       1.1423       1.0443        1.0062  
    cl_mt_coh      -1.3582     3.4678     -2.5533     -12.468    50.122           0    0.57575    0.42425    6.2185e-09     -2.287e-35    -12.408    -12.386    -9.3092     -6.628    -4.6987     -3.3543    -2.3666    -1.1893    -0.27022     0.14756    0.48925    0.80107    1.1502    1.7053    2.6617    4.9177    7.8273         9.5199             0.92894               9.9087               0.88713               12.026                   1               0.53619              0.51932            0.014958      0.095505     0.40891     0.69979      0.90794       1.0551       1.1584       1.2867       1.3593       1.3597       1.3368       1.3141       1.2787       1.2273       1.1465       1.0452        1.0065  
    cl_mt_pol_c     1.3203    0.29773      0.2255       0.035    4.9056           0          0          1       0.01592    -1.1183e-34      0.035      0.035     1.0823     1.0993     1.1123      1.1258     1.1379     1.1748      1.2524      1.3692      1.482     1.5546    1.6118    1.7042    1.8316    2.1022    2.3508        0.53051             0.60295              0.29381               0.30638              0.53619             0.51932              0.088645                    1          0.00042202    0.00042202    0.028351    0.069425      0.11139      0.15359      0.19683      0.28402      0.42246      0.56979      0.67884      0.73424      0.79399      0.85712      0.92418      0.98348       0.99815  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 18.3333
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it_a_n = 750, it_z_n = 33
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Elapsed time is 9.480223 seconds.
Elapsed time is 0.857935 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35          p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    ________    _________    _______    _______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9616     2.9083      1.4826      -8.173    14.909           0    0.20946    0.79054    0.00015647    -3.5787e-31    -7.3511    -6.3708    -4.1666    -2.3993    -1.1159    -0.14587     0.5518      1.5344        2.549     3.4242     3.9396     4.2882    4.6198    5.0939    5.7156    6.9085    8.0162         8.4581                   1               7.8606               0.87227               8.9933             0.92487                0.5293              0.59985          -0.0084514    -0.035591    -0.13926    -0.22177     -0.26546     -0.28095      -0.2752     -0.21989     -0.060119     0.17469      0.35797      0.46214      0.57584      0.70072      0.83619      0.96258       0.99576  
    cl_mt_pol_a    -1.0713     3.0986     -2.8925     -12.195    48.373    0.056125    0.55549    0.38839    9.1221e-05    -3.5787e-31    -11.792    -11.416    -8.2869    -5.5399    -3.7848     -2.5697    -1.8008    -0.88516      -0.1984    0.11413    0.52172    0.76627    1.0923     1.663    2.6412    4.8422    7.6138         7.8606             0.87227               9.6016                     1               9.1939             0.88742               0.29183              0.31041            0.014822      0.16202     0.47079     0.79457       1.0016       1.1476       1.2555       1.3795        1.4449      1.4462       1.4143       1.3865       1.3476       1.2777       1.1797       1.0547        1.0081  
    cl_mt_coh       -1.084     3.3435     -3.0845     -12.468    50.122           0    0.54392    0.45608    8.0878e-05    -3.7165e-30    -12.423    -12.378    -8.9138    -5.9446     -3.984     -2.6859    -1.8503    -0.84765    -0.095646    0.23858    0.65636    0.90703    1.2413    1.8261     2.784    5.0848    7.9257         8.9933             0.92487               9.1939               0.88742               11.179                   1                0.5151              0.50777            0.017924      0.17314     0.50008     0.84393       1.0637       1.2241       1.3265       1.4488        1.5035      1.4884       1.4452       1.4122       1.3682       1.2917       1.1928       1.0564        1.0083  
    cl_mt_pol_c     1.3194    0.30341     0.22995       0.035    4.9056           0          0          1      0.014709    -3.5787e-31      0.035      0.035     1.0533     1.0769     1.0914      1.1067     1.1186      1.1607       1.2526     1.3862     1.4862     1.5576    1.6472    1.7114    1.8653    2.1062    2.3549         0.5293             0.59985              0.29183               0.31041               0.5151             0.50777              0.092055                    1           0.0003902    0.0003902    0.028319    0.068769      0.10979      0.15319      0.19385      0.28004       0.41652     0.56959      0.67795      0.73313      0.79378      0.85656      0.92441      0.98329       0.99815  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 24.830710 seconds.
Elapsed time is 11.112196 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25        p35         p50         p65       p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1    fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    _______    ________    ________    _______    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    _________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9301     2.9234      1.5146     -8.1425    14.911           0    0.21373    0.78627    0.00015938    3.4205e-35    -7.3276    -6.3543    -4.2023    -2.4744    -1.1864    -0.23113     0.4939      1.5097      2.5228     3.4015    3.9353     4.2949    4.6038    5.0798    5.7184    6.8947    8.0204         8.5463                   1               7.9917               0.87226               9.1512             0.92619               0.52988              0.60074          -0.0087524    -0.037096    -0.14168    -0.22738     -0.27372     -0.29149     -0.28761     -0.23366     -0.073205     0.15769       0.3536      0.45759       0.5699      0.69512      0.83548      0.96177       0.99571  
    cl_mt_pol_a    -1.1397     3.1341     -2.7498     -12.195    48.373    0.052346    0.56875     0.3789    8.1439e-08    3.4205e-35    -11.628    -11.416    -8.3633     -5.745    -3.9374     -2.7671    -1.9535    -0.96147    -0.27471    0.11413    0.4402    0.76627    1.0923     1.663    2.5597    4.8422    7.6138         7.9917             0.87226               9.8223                     1               9.3989             0.88733               0.29338              0.31025             0.01659      0.15562     0.44462      0.7508      0.96363       1.1054       1.2113       1.3342        1.4065      1.4101       1.3886       1.3534       1.3204       1.2561       1.1713       1.0502        1.0074  
    cl_mt_coh      -1.1577     3.3798     -2.9195     -12.468    50.122           0    0.55425    0.44575    7.2264e-08    1.3087e-35    -12.404    -12.378    -9.0362    -6.1245    -4.1899     -2.8786    -2.0174    -0.93121     -0.1792    0.22578    0.5728    0.89423    1.2413    1.8133    2.7453    5.0592    7.9257         9.1512             0.92619               9.3989               0.88733               11.423                   1               0.52228              0.51216            0.017955      0.16547     0.47563     0.79538       1.0188       1.1663       1.2747       1.3964        1.4589      1.4497       1.4168       1.3844       1.3379       1.2743       1.1778       1.0541        1.0076  
    cl_mt_pol_c     1.3197    0.30172     0.22863       0.035    4.9056           0          0          1      0.015056    3.4205e-35      0.035      0.035     1.0631     1.0842     1.0987      1.1105     1.1242      1.1641      1.2494     1.3822    1.4841     1.5576    1.6472    1.7094    1.8633    2.1042    2.3549        0.52988             0.60074              0.29338               0.31025              0.52228             0.51216              0.091036                    1           0.0003993    0.0003993    0.028204    0.069235      0.11052      0.15239      0.19445        0.281       0.41796     0.56758      0.67609      0.73461      0.79661      0.85694      0.92477      0.98328       0.99819  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 46.308683 seconds.
Elapsed time is 91.790526 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65         p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    _______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.8839     2.9408      1.5611     -8.0934    14.911           0    0.22078    0.77922    0.00016349     1.4926e-35    -7.2902     -6.329    -4.2658    -2.5725    -1.2953    -0.32684    0.39817     1.4447      2.4813      3.3508     3.9042      4.266    4.6007    5.0533    5.6945    6.8833    8.0024         8.6484                   1                8.163               0.87179               9.3602             0.92789                0.5299              0.60155          -0.0092142     -0.039145    -0.14577    -0.23539     -0.28592     -0.30687     -0.30538     -0.25418     -0.094075     0.14278       0.3406       0.4463      0.56455       0.6885      0.83146      0.96091       0.99557  
    cl_mt_pol_a    -1.2475      3.184     -2.5524     -12.195    48.373    0.046248    0.58559    0.36816    2.4529e-09     1.4926e-35    -11.664    -11.416    -8.5615    -5.9977    -4.2427     -3.0218    -2.1637     -1.049    -0.27766    0.032607     0.4402    0.68475    1.0108    1.5815    2.4782    4.7607    7.5323          8.163             0.87179               10.138                     1               9.6908             0.88729               0.29328              0.30751            0.010253       0.14725     0.41276     0.70305      0.90389       1.0463       1.1484       1.2746        1.3512       1.361         1.34       1.3174       1.2868       1.2302       1.1546       1.0459        1.0068  
    cl_mt_coh       -1.273     3.4302     -2.6946     -12.468    50.122           0    0.56725    0.43275    2.1791e-09    -1.5659e-35    -12.408    -12.378    -9.2107    -6.4459    -4.5241     -3.1872    -2.2219    -1.0297    -0.19414     0.15502    0.56534      0.816    1.1577    1.7351    2.6617    4.9863    7.8422         9.3602             0.92789               9.6908               0.88729               11.766                   1               0.52965              0.51548            0.011274       0.15559     0.43274     0.73889      0.94964       1.0977       1.2023       1.3276        1.3964      1.3929       1.3656         1.34       1.3013       1.2434       1.1597       1.0486        1.0069  
    cl_mt_pol_c     1.3202    0.29954     0.22689       0.035    4.9056           0          0          1      0.015537     1.4926e-35      0.035      0.035     1.0751     1.0926     1.1082      1.1195     1.1315     1.1674      1.2526      1.3781     1.4821     1.5555    1.6425    1.7073    1.8612    2.1022    2.3528         0.5299             0.60155              0.29328               0.30751              0.52965             0.51548              0.089722                    1          0.00041192    0.00041192    0.028396    0.069225      0.11103       0.1533      0.19573      0.28287       0.42019     0.56992      0.67688      0.73658      0.79363      0.85727      0.92503      0.98327       0.99817  

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ar_bl_default = 1
ar_fl_c_min = 0.035
ar_fl_b_bd = -12.5
ar_fl_z_r_borr_poiss_mean = 20
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it_a_n = 750, it_z_n = 33
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Elapsed time is 10.426009 seconds.
Elapsed time is 0.990849 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35          p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    ________    _________    _______    _______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val        1.971     2.9028      1.4728     -8.1803    14.909           0    0.20844    0.79156    0.00015505    -7.4122e-33    -7.3566    -6.3743     -4.149    -2.3762    -1.0854    -0.13682    0.57803      1.5517       2.5712     3.4217      3.954     4.3048    4.6276    5.0925    5.7267    6.9078    8.0158         8.4264                   1               7.8166               0.87219               8.9408             0.92443              0.52885               0.59956          -0.0083447     -0.035216    -0.13849    -0.21993     -0.26277     -0.27758     -0.27158     -0.21516     -0.054067     0.17622      0.36295      0.46478      0.58303      0.70099      0.83804      0.96258       0.99576  
    cl_mt_pol_a    -1.0527     3.0874     -2.9327     -12.195    48.373    0.059463    0.55099    0.38954    7.6209e-05    -7.4122e-33    -11.792    -11.416    -8.2106    -5.5399    -3.7085     -2.5639    -1.7245    -0.88516      -0.1984    0.11413    0.52172    0.76627    1.1739     1.663    2.6412    4.8422    7.6953         7.8166             0.87219               9.5319                     1               9.1286             0.88742              0.29114               0.31034            0.013741       0.16345     0.48103     0.79826       1.0154       1.1619       1.2713       1.3884        1.4551      1.4564       1.4238       1.3954       1.3466       1.2845       1.1843        1.056        1.0077  
    cl_mt_coh       -1.064     3.3318     -3.1314     -12.468    50.122           0    0.54272    0.45728    6.8005e-05     -2.309e-32    -12.423    -12.378     -8.869    -5.9058    -3.9392     -2.6859    -1.8116    -0.84765    -0.095646    0.23858    0.65636    0.90703      1.28    1.8261    2.8288    5.0848    7.9257         8.9408             0.92443               9.1286               0.88742               11.101                   1              0.51271               0.50642            0.016677       0.17491     0.51079     0.84972       1.0791       1.2317        1.334         1.46        1.5158      1.5002       1.4559       1.4223       1.3764       1.2992       1.1921       1.0579        1.0085  
    cl_mt_pol_c     1.3192    0.30386     0.23033       0.035    4.9056           0          0          1      0.014603    -7.4122e-33      0.035      0.035      1.049     1.0731     1.0888      1.1044     1.1166      1.1601       1.2503     1.3862     1.4862     1.5593    1.6482    1.7134    1.8633    2.1062    2.3565        0.52885             0.59956              0.29114               0.31034              0.51271             0.50642              0.09233                     1          0.00038743    0.00038743    0.028145    0.068483      0.10998       0.1513      0.19347      0.27955       0.41628     0.56773       0.6766      0.73275       0.7929      0.85762       0.9244       0.9832       0.99814  

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it_a_n = 750, it_z_n = 88
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Elapsed time is 28.720587 seconds.
Elapsed time is 13.624165 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY       p0_1        p1         p5         p10        p15        p20         p25        p35         p50         p65       p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    ___________    _______    _______    _______    _______    _______    ________    _______    ________    ________    _______    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9422     2.9163      1.5016     -8.1564     14.91           0    0.21172    0.78828    0.00015788    -2.3235e-34    -7.3384    -6.3621    -4.1955    -2.4398    -1.1562    -0.19603    0.51471      1.5385      2.5218     3.4044    3.9299     4.2899    4.6234    5.0856    5.7146    6.9008    8.0179         8.5047                   1               7.9277               0.87221                9.075             0.92559               0.52983              0.60064          -0.0086118     -0.036516    -0.14062    -0.22505     -0.27036     -0.28716     -0.28259     -0.22687     -0.06875      0.16319       0.3548      0.45835      0.57487      0.69762      0.83569      0.96201        0.9957  
    cl_mt_pol_a    -1.1114     3.1167     -2.8044     -12.195    48.373    0.056641     0.5619    0.38146    4.5535e-08    -2.3235e-34    -11.628    -11.416    -8.3632     -5.668    -3.8611     -2.7165    -1.8772    -0.96147    -0.27471    0.11413    0.4402    0.76627    1.0923     1.663    2.5597    4.8422    7.6138         7.9277             0.87221                9.714                     1               9.2967             0.88721               0.29269              0.31046            0.014357       0.15774     0.45497     0.76485      0.98123       1.1216        1.228       1.3457       1.4199       1.4233       1.4011       1.3647       1.3307       1.2644       1.1768       1.0521        1.0077  
    cl_mt_coh      -1.1271      3.362     -2.9829     -12.468    50.122           0    0.55131    0.44869    4.0491e-08    -6.4261e-35    -12.404    -12.378    -8.9654    -6.0409    -4.1063      -2.853    -1.9339    -0.93121     -0.1792    0.22578    0.5728    0.89423    1.2413    1.8133    2.7453     5.072    7.9257          9.075             0.92559               9.2967               0.88721               11.303                   1               0.51913              0.51049            0.015551       0.16806     0.48269     0.81214       1.0393       1.1854       1.2944       1.4109        1.475       1.4652        1.431       1.3978       1.3494        1.284       1.1838       1.0555        1.0078  
    cl_mt_pol_c     1.3195    0.30248     0.22923       0.035    4.9056           0          0          1      0.014907    -2.3235e-34      0.035      0.035     1.0575     1.0808     1.0948      1.1082     1.1214      1.1629      1.2491     1.3842    1.4861     1.5576    1.6472    1.7114    1.8633    2.1042    2.3549        0.52983             0.60064              0.29269               0.31046              0.51913             0.51049              0.091492                    1          0.00039542    0.00039542    0.028327    0.068799      0.11003      0.15176      0.19411      0.28033      0.41724      0.56932      0.67586       0.7332      0.79596       0.8576       0.9244      0.98319       0.99817  

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it_a_n = 750, it_z_n = 143
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Elapsed time is 45.782863 seconds.
Elapsed time is 91.181522 seconds.
                    mean        sd       coefofvar      min       max       pYis0       pYls0      pYgr0      pYisMINY      pYisMAXY      p0_1        p1         p5         p10        p15        p20         p25        p35        p50         p65        p75        p80       p85       p90       p95       p99      p99_9     fl_cov_cl_mt_val    fl_cor_cl_mt_val    fl_cov_cl_mt_pol_a    fl_cor_cl_mt_pol_a    fl_cov_cl_mt_coh    fl_cor_cl_mt_coh    fl_cov_cl_mt_pol_c    fl_cor_cl_mt_pol_c    fracByP0_1     fracByP1     fracByP5    fracByP10    fracByP15    fracByP20    fracByP25    fracByP35    fracByP50    fracByP65    fracByP75    fracByP80    fracByP85    fracByP90    fracByP95    fracByP99    fracByP99_9
                   _______    _______    _________    _______    ______    ________    _______    _______    __________    __________    _______    _______    _______    _______    _______    ________    _______    _______    ________    ________    ______    _______    ______    ______    ______    ______    ______    ________________    ________________    __________________    __________________    ________________    ________________    __________________    __________________    __________    __________    ________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    _________    ___________

    cl_mt_val       1.9087     2.9312      1.5357     -8.1169     14.91           0    0.21704    0.78296    0.00016113    1.9349e-35    -7.3084    -6.3417    -4.2367    -2.5222    -1.2457    -0.28073    0.45014     1.4944      2.5138      3.3802    3.9039       4.26    4.6035    5.0728    5.7059    6.8894    8.0182         8.5918                   1               8.0754               0.87206               9.2526             0.92708              0.52918               0.60061          -0.0089594     -0.037986    -0.14355    -0.23088     -0.27927     -0.29845     -0.29567     -0.24316     -0.08143      0.14953      0.34218      0.45064      0.57052      0.69492       0.8332      0.96136        0.9957  
    cl_mt_pol_a    -1.1915     3.1592     -2.6513     -12.195    48.373    0.050218    0.57584    0.37394    9.2563e-10    1.9349e-35    -11.601    -11.416    -8.4848    -5.8764    -4.0901     -2.8693    -2.0516    -1.0378    -0.27618    0.032607    0.4402    0.76627    1.0923    1.5815    2.5597    4.7607    7.6138         8.0754             0.87206               9.9803                     1               9.5454              0.8874              0.29278               0.30832            0.019152       0.15122     0.42817     0.72585      0.93361       1.0759       1.1786       1.3044       1.3783       1.3869       1.3644       1.3309       1.2995       1.2465       1.1606       1.0494        1.0069  
    cl_mt_coh      -1.2132     3.4049     -2.8066     -12.468    50.122           0     0.5607     0.4393    8.2942e-10    -3.734e-35    -12.401    -12.378    -9.1197    -6.2863     -4.357     -3.0201    -2.1159    -1.0148    -0.18667     0.15502    0.5728    0.87716    1.2263    1.7426    2.7378    5.0013    7.9108         9.2526             0.92708               9.5454                0.8874               11.593                   1              0.52518               0.51314            0.020556       0.16028     0.45562     0.76627      0.98393       1.1363        1.237        1.362       1.4272       1.4222       1.3898       1.3632       1.3213       1.2573       1.1699       1.0506        1.0073  
    cl_mt_pol_c       1.32    0.30058     0.22771       0.035    4.9056           0          0          1      0.015283    1.9349e-35      0.035      0.035     1.0702     1.0888     1.1033       1.114     1.1285     1.1655      1.2526      1.3801    1.4841     1.5555     1.642    1.7094    1.8364    2.1037    2.3528        0.52918             0.60061              0.29278               0.30832              0.52518             0.51314              0.09035                     1          0.00040523    0.00040523    0.028406    0.069467      0.11085       0.1527      0.19657      0.28325      0.41919      0.56943      0.67969      0.73393      0.79344      0.85672      0.92413       0.9832       0.99815