MACHINE LEARNING FOR FINANCE - COMPANION FILES
julianrsterling.com/model

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Revised 24 September 2026.

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WHAT IS IN THE ARCHIVE

1. The book's four workbooks, corrected
   The_Card.xlsx                          Chapters 1 to 6
   Discrimination_and_Calibration.xlsx    Chapters 7 to 10
   Stability_and_the_Door.xlsx            Chapters 11 and 12
   The_Cut_Off.xlsx                       Chapters 13 to 15
   00_START_HERE.md                       what changed is at the end
   Each workbook closes on a Checks sheet: 156 checks in all, every one PASS.

2. Blank_Model_Set/  (new)
   The four workbooks with the 15 inputs of their shared Inputs sheet
   emptied: the points scale, the unit economics of one loan and the eight
   fitted coefficients. The 8,400 applications on the Data sheet stay: they
   are the evidence, not an assumption. Each Checks sheet counts what is
   still missing and tests what holds for any inputs. The book's figures are
   in book_inputs.txt: type them back in and the book's results come back.

3. Working_Documents.pdf  (new)
   Thirteen printable pages: the model brief, the characteristic review,
   the bin table, the points table, the leakage test, the discrimination
   report with its population, the calibration table, the recalibration
   memo, the stability report, the through-the-door reconciliation, the
   unit economics and the break-even, the cut-off paper, and the card
   against the trees with the sign-off. A4, fits Letter.

4. Forty_Questions.xlsx  (new)
   Forty questions across the book, marked by the file as you type.

5. Cases/  (new)
   Case_1_The_Grid_On_The_Accepted_Book.xlsx       Chapters 11 to 15
   Case_2_The_Price_That_Moves_The_Cut_Off.xlsx    Chapters 13 to 15
   Case_3_The_Leak_As_An_Alarm.xlsx                Chapters 1 to 12
   Each case: the note on the first sheet, the model after it, checks at the end.

The files open in Excel, LibreOffice Calc, Google Sheets and Numbers. No macros.
