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    Scientific reports

    Technical notes and sample reports in PDF.

    AllTechnical notesSample reports
    Histogram of 10,000 scenarios of the repayment capacity

    October 22, 2026 · Sample reports

    Sample report: Monte Carlo simulation

    10,000 scenarios and the probability of inability for a fictional household.

    Tornado chart of the monthly repayment capacity

    October 15, 2026 · Sample reports

    Sample report: sensitivity analysis

    Tornado chart and interpretation for a fictional household.

    Fourteen circles labelled N1 to N14

    October 1, 2026 · Technical notes

    MLC3 methodology: N1–N14 (technical note)

    The fourteen steps, their inputs and their deliverables.

    MLC3 · Documented analysis of financial capacity · Methodology · Reports · Contact
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