Text this: Inferences of default risk and borrower characteristics on P2P lending

 _____       ___      ______     ___              
|  __ \\    / _ \\   /_   _//   / _ \\    ____    
| |  \ ||  | / \ ||  `-| |,-   / //\ \\  |    \\  
| |__/ ||  | \_/ ||    | ||   |  ___  || | [] ||  
|_____//    \___//     |_||   |_||  |_|| |  __//  
 -----`     `---`      `-`'   `-`   `-`  |_|`-`   
                                         `-`