Patterns originates from events.
Events are related. Randomness is humans inability to identify relevant events and interpret dependency.
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Attached : Excel workbook with full BCR implementation (macro-driven, quarterly defaults, confidence intervals, and model diagnostics) https...
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Python code and data link : https://drive.google.com/drive/folders/1kC621QtmjG3C_2ok-I53fPYqDRf9r8RK?usp=sharing A. Data Preparation Imp...
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