explain

app.py

@@ -239,8 +239,8 @@ Explain by Context
 ![Credit Record Summary](file=./xgb/credit_record.png)
 **Observations from a healthy credit background:**
 f(x) in probability for logistic regression objective using XGBoost
-- base line at 0.15, indicate explain from healthy credit perspective, why this guy is default
-- This individual defaults due to high **PAY_0** and **PAY_6**.
+- base line at 0.2, indicate explain from healthy credit perspective, why this guy is default
+- This individual defaults due to high **PAY_0**, despite PAY_AMT5 .
 - PAY_0 represents repayment status in September, 2005 (-1=pay duly, 1=payment delay for one month, 2=payment delay for two months, … 8=payment delay for eight months, 9=payment delay for nine months and above).
 
 ![Credit Data Summary](file=./xgb/credit_data.png)