diff --git a/.agents/references/architecture.md b/.agents/references/architecture.md
index aa0b11b..3e0bc5c 100644
--- a/.agents/references/architecture.md
+++ b/.agents/references/architecture.md
@@ -76,6 +76,6 @@ C:\ProgramData\miniforge3\envs\quant\python.exe main.py --estimate-rho
 
 ## 미완료 사항 (다음 작업자 참고)
 
-1. **#290 실제 3사 전이행렬 CSV 변환** — `doc/`의 PDF에서 전이행렬을 추출하여 `data/raw/` CSV로 변환 필요. 현재는 builtin synthetic 데이터 사용 중
-2. **#293 거시 시나리오 고도화** — IMF WEO/KDI 전망치를 직접 입력하여 시나리오 정밀화
-3. **GDP 성장률 코드** — 현재 `902Y015/KOR` (국제 비교 통계) 사용. 한은 국민계정 직접 통계표코드 발견 시 교체 권장
+1. **#293 거시 시나리오 고도화** — IMF WEO/KDI 전망치를 직접 입력하여 시나리오 정밀화
+2. **GDP 성장률 코드** — 현재 `902Y015/KOR` (국제 비교 통계) 사용. 한은 국민계정 직접 통계표코드 발견 시 교체 권장
+3. **전처리 파이프라인 개선** — PD 플로어 적용, CCC B↔D 보간 방식 개선 (docs/methodology.md §2.0 참조)
diff --git a/.agents/references/known-issues.md b/.agents/references/known-issues.md
index e614204..6d02ed4 100644
--- a/.agents/references/known-issues.md
+++ b/.agents/references/known-issues.md
@@ -69,3 +69,9 @@
 - **원인**: 한국 경제 특수성(유가의존, 수출주도, 부동산 영향 등) 미반영
 - **해결**: 31개 변수로 확장 (KOSPI, OIL_PRICE, USDKRW, DISHONOR_RATE, HOUSING_PRICE, BSI_MANUF 등). `data/ecos_fetcher.py` + `data/cache/macro_ecos.csv` 캐싱 구조
 - **주의**: fallback 데이터는 대략적 수치. 정밀 분석 시 ECOS API 실제 호출 필요 (`--force` 옵션)
+
+### [2026-03-11] Windows Python — 소스 코드 특수문자 SyntaxError
+- **증상**: 파이썬 코드 내 문자열(예: docstring)에 `×` (U+00D7), `→` (U+2192) 등 특수문자나 한글 이외의 유니코드가 포함될 때, Windows CP949 환경에서 `SyntaxError: invalid character` 또는 `unterminated triple-quoted string literal` 로 파싱 오류가 발생함.
+- **원인**: Windows Python 3.12 런타임이 파일 맨 앞 `# -*- coding: utf-8 -*-` 이나 `-X utf8` 런타임 플래그도 소스 구문 분석 레벨에서 완벽하게 해석해내지 못하는 Windows 인코딩 고질병 문제 발생.
+- **해결**: 소스 코드 내에선 (특히 docstring 등 Python 인터프리터가 읽을 영역에서는) `×` 대신 `x` 또는 `by`를 사용하고, `→` 대신 `->` 로 ASCII 코드로 치환하여 작성함 (정규식 치환 등 활용). 한글 자체는 정상적으로 파싱됨.
+- **주의**: 모델링, 모듈 코드 작성 시 문자열이나 주석 내에 특수 유니코드 기호(×, →, —, §)를 직접 삽입하지 말고 안전한 ASCII 문자로 대체하여 코딩할 것.
diff --git a/.agents/workflows/services.md b/.agents/workflows/services.md
index f0883e7..892899d 100644
--- a/.agents/workflows/services.md
+++ b/.agents/workflows/services.md
@@ -125,4 +125,4 @@ python .agents\workflows\helpers\vikunja_helper.py list todo
 
 - `curl` → PowerShell에서 `Invoke-WebRequest`의 별칭. **반드시 `curl.exe`** 사용
 - `npm` → PowerShell에서 실행 정책 문제 시 `cmd /c npm` 사용
-- JSON 파이프 파싱 시 PowerShell 이스케이핑 문제 → `.py` 스크립트 파일로 만들어 실행 권장
+- JSON 파이프 파싱 시 PowerShell 이스케이핑 문제 → `.py` 스크립트 파일로 만들어 실행 권장
\ No newline at end of file
diff --git a/data/parse_pdf_matrices.py b/data/parse_pdf_matrices.py
index e7f5bc0..66b6519 100644
--- a/data/parse_pdf_matrices.py
+++ b/data/parse_pdf_matrices.py
@@ -29,7 +29,8 @@ if sys.stdout.encoding != 'utf-8':
     sys.stdout = io.TextIOWrapper(sys.stdout.buffer, encoding='utf-8', errors='replace')
     sys.stderr = io.TextIOWrapper(sys.stderr.buffer, encoding='utf-8', errors='replace')
 
-MODEL_GRADES = ["AAA", "AA", "A", "BBB", "BB", "B", "CCC", "D"]
+MODEL_GRADES_7 = ["AAA", "AA", "A", "BBB", "BB", "B", "D"]
+MODEL_GRADES_8 = ["AAA", "AA", "A", "BBB", "BB", "B", "CCC", "D"]
 GRADE_LABELS = ["AAA", "AA", "A", "BBB", "BB"]  # B이하 is separate
 
 BASE_DIR = Path(__file__).parent.parent
@@ -460,87 +461,72 @@ def _parse_kr_numbers(s: str) -> Optional[List[float]]:
 
 
 # ============================================================
-# 후처리: 6×8 → 8×8
+# 후처리: 6x8 -> 7x7 (WR->D 보정 + CCC 제거)
 # ============================================================
-def postprocess_matrix(raw_6x8: np.ndarray) -> np.ndarray:
-    """6×8 (AAA~B이하 × AAA~WR) → 8×8 (AAA~D × AAA~D)"""
+
+_BROAD_GRADE_MAP_6 = {0: "AAA", 1: "AA", 2: "A", 3: "BBB", 4: "BB", 5: "B"}
+
+
+def postprocess_matrix(raw_6x8, pd_floors=None):
+    """6x8 (AAA~B이하 x AAA~WR+D) -> 7x7 (AAA~B+D)
+
+    Steps:
+    1. PD floor correction: if observed PD < floor, transfer from WR to D
+    2. Remaining WR -> proportional redistribution
+    3. B이하 -> B mapping
+    4. Add D row (absorbing state)
+    5. Normalize rows to sum=1
+    """
     assert raw_6x8.shape == (6, 8), f"Expected (6,8), got {raw_6x8.shape}"
 
-    # WR 열(7) 제거 → 비례 재배분
-    mat_6x7 = raw_6x8[:, :7].copy()
-    for i in range(6):
-        row_sum = mat_6x7[i].sum()
-        if row_sum > 0:
-            mat_6x7[i] = mat_6x7[i] / row_sum * 100.0
+    mat = raw_6x8.copy()
+    COL_D = 6
+    COL_WR = 7
 
-    # 8×8 구성: B이하(5) → B(5), D:col6→col7
-    mat = np.zeros((8, 8))
+    # Step 1: PD floor correction (WR -> D transfer)
+    if pd_floors is not None:
+        for i in range(6):
+            broad = _BROAD_GRADE_MAP_6[i]
+            if broad not in pd_floors:
+                continue
+            floor_pct = pd_floors[broad] * 100  # decimal -> %
+            observed_pd = mat[i, COL_D]
+            wr_available = mat[i, COL_WR]
+            if observed_pd < floor_pct and wr_available > 0:
+                deficit = floor_pct - observed_pd
+                transfer = min(deficit, wr_available)
+                mat[i, COL_D] += transfer
+                mat[i, COL_WR] -= transfer
+
+    # Step 2: Remaining WR -> proportional redistribution
+    for i in range(6):
+        wr_remaining = mat[i, COL_WR]
+        if wr_remaining > 0:
+            non_wr_cols = mat[i, :7]
+            non_wr_sum = non_wr_cols.sum()
+            if non_wr_sum > 0:
+                mat[i, :7] = non_wr_cols * (non_wr_sum + wr_remaining) / non_wr_sum
+            mat[i, COL_WR] = 0.0
+
+    # Step 3: B이하 -> B mapping + build 7x7
+    mat_7x7 = np.zeros((7, 7))
     for i in range(6):
         for j in range(6):
-            mat[i, j] = mat_6x7[i, j]
-        mat[i, 7] = mat_6x7[i, 6]  # D
+            mat_7x7[i, j] = mat[i, j]
+        mat_7x7[i, 6] = mat[i, COL_D]
 
-    # CCC 행/열 extrapolation
-    mat = _extrapolate_ccc(mat)
+    # Step 4: D row (absorbing state)
+    mat_7x7[6, :] = 0.0
+    mat_7x7[6, 6] = 100.0
 
-    # D 행
-    mat[7, :] = 0.0
-    mat[7, 7] = 100.0
-
-    # → 확률, 행합 정규화
-    mat /= 100.0
-    for i in range(8):
-        s = mat[i].sum()
+    # Step 5: Convert to probability and normalize
+    mat_7x7 /= 100.0
+    for i in range(7):
+        s = mat_7x7[i].sum()
         if s > 0:
-            mat[i] /= s
+            mat_7x7[i] /= s
 
-    return mat
-
-
-def _extrapolate_ccc(mat: np.ndarray) -> np.ndarray:
-    """CCC 행/열 extrapolation from B이하 PD 패턴"""
-    pd_bb = mat[4, 7]
-    pd_b = mat[5, 7]
-
-    # CCC PD
-    if pd_bb > 0 and pd_b > pd_bb:
-        ratio = pd_b / pd_bb
-    else:
-        ratio = 2.5
-    pd_ccc = min(pd_b * ratio, 60.0)
-    pd_ccc = max(pd_ccc, pd_b * 1.5)
-
-    # Stay rates
-    stay_bb = mat[4, 4]
-    stay_b = mat[5, 5]
-    stay_ratio = (stay_b / stay_bb) if (stay_bb > 0 and stay_b < stay_bb) else 0.7
-    stay_ccc = max(stay_b * stay_ratio, 5.0)
-
-    upgrade_to_b = mat[5, 4] * 0.8 if mat[5, 4] > 0 else 2.0
-
-    # CCC 행
-    mat[6, :] = [0, 0, 0.1, 0.2, 0.3, upgrade_to_b, stay_ccc, pd_ccc]
-
-    ccc_sum = mat[6].sum()
-    if ccc_sum > 100:
-        mat[6, 6] = max(mat[6, 6] - (ccc_sum - 100), 1.0)
-    elif ccc_sum < 100:
-        mat[6, 6] += (100 - ccc_sum)
-
-    # CCC 열: B→CCC, BB→CCC, BBB→CCC 전이 분리
-    b_to_ccc = mat[5, 5] * 0.15
-    mat[5, 6] = b_to_ccc
-    mat[5, 5] -= b_to_ccc
-
-    bb_to_ccc = mat[4, 5] * 0.1 if mat[4, 5] > 0 else 0.5
-    mat[4, 6] = bb_to_ccc
-    mat[4, 5] = max(mat[4, 5] - bb_to_ccc, 0)
-
-    mat[3, 6] = 0.3
-    mat[3, 5] = max(mat[3, 5] - 0.15, 0)
-    mat[3, 3] = max(mat[3, 3] - 0.15, 0)
-
-    return mat
+    return mat_7x7
 
 
 # ============================================================
@@ -549,6 +535,17 @@ def _extrapolate_ccc(mat: np.ndarray) -> np.ndarray:
 def main():
     OUTPUT_DIR.mkdir(parents=True, exist_ok=True)
 
+    # Load PD floors
+    broad_floors = None
+    try:
+        import sys as _sys
+        _sys.path.insert(0, str(BASE_DIR))
+        from data.pd_floor import build_complete_pd_floor_table
+        broad_floors, _, _ = build_complete_pd_floor_table()
+        print(f"  PD floor loaded: {', '.join(f'{g}={v*10000:.1f}bp' for g, v in broad_floors.items())}")
+    except Exception as e:
+        print(f"  PD floor load failed ({e}), proceeding without floor")
+
     all_matrices = {}
 
     for agency, pdf_path in PDF_FILES.items():
@@ -582,7 +579,7 @@ def main():
         processed = {}
         for year, raw_mat in sorted(raw.items()):
             try:
-                processed[year] = postprocess_matrix(raw_mat)
+                processed[year] = postprocess_matrix(raw_mat, pd_floors=broad_floors)
             except Exception as e:
                 print(f"  ERROR {year}: {e}")
 
@@ -590,7 +587,7 @@ def main():
         print(f"  Processed {len(processed)} matrices")
 
         for year, mat in processed.items():
-            df = pd.DataFrame(mat, index=MODEL_GRADES, columns=MODEL_GRADES)
+            df = pd.DataFrame(mat, index=MODEL_GRADES_7, columns=MODEL_GRADES_7)
             df.to_csv(OUTPUT_DIR / f"{agency}_{year}.csv", float_format="%.6f")
 
     # 3사 평균
@@ -609,11 +606,11 @@ def main():
 
     for year in common_years:
         avg = np.mean([all_matrices[a][year] for a in agency_names], axis=0)
-        for i in range(8):
+        for i in range(7):
             s = avg[i].sum()
             if s > 0:
                 avg[i] /= s
-        df = pd.DataFrame(avg, index=MODEL_GRADES, columns=MODEL_GRADES)
+        df = pd.DataFrame(avg, index=MODEL_GRADES_7, columns=MODEL_GRADES_7)
         df.to_csv(OUTPUT_DIR / f"AVG_{year}.csv", float_format="%.6f")
 
     # PD 요약
@@ -632,7 +629,7 @@ def main():
         if sample_year not in common_years and not any(sample_year in all_matrices[a] for a in agency_names):
             continue
         print(f"\n  Year {sample_year}:")
-        for gi, grade in enumerate(MODEL_GRADES[:-1]):
+        for gi, grade in enumerate(MODEL_GRADES_7[:-1]):
             print(f"  {grade:>5}:", end='')
             for a in agency_names:
                 if sample_year in all_matrices[a]:
diff --git a/data/pd_floor.py b/data/pd_floor.py
new file mode 100644
index 0000000..7337e0f
--- /dev/null
+++ b/data/pd_floor.py
@@ -0,0 +1,325 @@
+"""
+시장 YTM 기반 PD 플로어 산출 모듈
+
+KAP(한국자산평가) 등급별 회사채 수익률에서 신용스프레드를 추출하고,
+시장 내재 부도율(PD)을 산출한 뒤, AAA=5bp 앵커링 + 로그 스케일링으로
+각 등급의 PD 플로어를 결정합니다.
+
+핵심 공식:
+    PD_raw = spread / (1 - recovery_rate)        [LGD = 1 - RR]
+    scale = log(anchor_AAA) / log(PD_raw_AAA)
+    PD_floor(g) = exp(log(PD_raw(g)) × scale)
+
+참고:
+    - Basel III CRE30.4: 기업 PD 플로어 5bp (0.05%)
+    - 한국 시장 회수율: 약 40% (LGD = 60%)
+    - docs/pd_floor_reference.md 참조
+"""
+
+import numpy as np
+import logging
+from typing import Dict, Optional, Tuple, List
+
+logger = logging.getLogger(__name__)
+
+# 기본 파라미터
+DEFAULT_RECOVERY_RATE = 0.40   # 회수율 40% → LGD 60%
+DEFAULT_AAA_ANCHOR = 0.0005    # 5bp = 0.05% = 0.0005
+DEFAULT_LGD = 1 - DEFAULT_RECOVERY_RATE  # 0.60
+
+# 대등급 순서 (인덱스 기반 외삽에 사용)
+BROAD_GRADE_ORDER = ["AAA", "AA", "A", "BBB", "BB", "B"]
+BROAD_GRADE_INDEX = {g: i for i, g in enumerate(BROAD_GRADE_ORDER)}
+
+
+def compute_market_implied_pd(
+    spread_bp: float,
+    lgd: float = DEFAULT_LGD
+) -> float:
+    """
+    신용스프레드에서 시장 내재 PD 산출
+
+    PD ≈ spread / LGD
+
+    Parameters
+    ----------
+    spread_bp : float
+        신용스프레드 (bp, 1bp = 0.01%)
+    lgd : float
+        Loss Given Default (기본: 0.60)
+
+    Returns
+    -------
+    float
+        시장 내재 PD (소수, 예: 0.000727 = 7.27bp)
+    """
+    spread_decimal = spread_bp / 10000  # bp → 소수
+    return spread_decimal / lgd
+
+
+def compute_pd_floors(
+    spreads_bp: Dict[str, float],
+    anchor_aaa: float = DEFAULT_AAA_ANCHOR,
+    lgd: float = DEFAULT_LGD
+) -> Dict[str, float]:
+    """
+    AAA=5bp 앵커링 + 로그 스케일링으로 등급별 PD 플로어 산출
+
+    Parameters
+    ----------
+    spreads_bp : Dict[str, float]
+        등급별 신용스프레드 (bp). 대등급(AAA, AA, A, BBB) 기준.
+    anchor_aaa : float
+        AAA 앵커 PD (기본: 5bp = 0.0005)
+    lgd : float
+        Loss Given Default (기본: 0.60)
+
+    Returns
+    -------
+    Dict[str, float]
+        등급별 PD 플로어 (소수). 예: {'AAA': 0.0005, 'AA': 0.00057, ...}
+    """
+    # Step 1: 시장 내재 PD 산출
+    pd_raw = {}
+    for grade, spread in spreads_bp.items():
+        pd_raw[grade] = compute_market_implied_pd(spread, lgd)
+
+    if "AAA" not in pd_raw or pd_raw["AAA"] <= 0:
+        raise ValueError("AAA 스프레드가 0 이하입니다. 데이터를 확인하세요.")
+
+    # Step 2: 로그 스케일링
+    # scale = log(anchor) / log(pd_raw_AAA)
+    log_anchor = np.log(anchor_aaa)
+    log_aaa_raw = np.log(pd_raw["AAA"])
+    scale = log_anchor / log_aaa_raw
+
+    pd_floors = {}
+    for grade, pd_val in pd_raw.items():
+        pd_floors[grade] = np.exp(np.log(pd_val) * scale)
+
+    logger.info(f"PD 플로어 스케일링: scale={scale:.4f}, "
+                f"AAA raw={pd_raw['AAA']*10000:.1f}bp → floor={pd_floors['AAA']*10000:.1f}bp")
+
+    return pd_floors
+
+
+def extrapolate_speculative_grades(
+    pd_floors: Dict[str, float],
+    grades_to_extrapolate: List[str] = ["BB", "B"]
+) -> Dict[str, float]:
+    """
+    투자적격등급(AAA~BBB)의 로그 트렌드를 외삽하여 투기등급 PD 산출
+
+    log(PD) vs grade_index의 선형 트렌드를 BBB 이후로 연장합니다.
+
+    Parameters
+    ----------
+    pd_floors : Dict[str, float]
+        투자적격등급 PD 플로어 (AAA~BBB)
+    grades_to_extrapolate : List[str]
+        외삽할 등급 (기본: ["BB", "B"])
+
+    Returns
+    -------
+    Dict[str, float]
+        투기등급이 추가된 PD 플로어
+    """
+    # 기존 투자적격 등급의 log(PD) vs index 관계
+    available = []
+    for g in BROAD_GRADE_ORDER:
+        if g in pd_floors:
+            available.append((BROAD_GRADE_INDEX[g], np.log(pd_floors[g])))
+
+    if len(available) < 2:
+        raise ValueError("외삽을 위해 최소 2개 등급의 PD가 필요합니다.")
+
+    # 선형 회귀: log(PD) = a × index + b
+    x = np.array([a[0] for a in available])
+    y = np.array([a[1] for a in available])
+    coeffs = np.polyfit(x, y, 1)  # [기울기, 절편]
+
+    result = pd_floors.copy()
+    for grade in grades_to_extrapolate:
+        if grade in BROAD_GRADE_INDEX:
+            idx = BROAD_GRADE_INDEX[grade]
+            log_pd = coeffs[0] * idx + coeffs[1]
+            result[grade] = np.exp(log_pd)
+            logger.info(f"외삽 PD [{grade}]: {result[grade]*10000:.1f}bp "
+                       f"(index={idx}, log_pd={log_pd:.4f})")
+
+    return result
+
+
+def interpolate_ccc_pd(
+    pd_b: float,
+    pd_d: float = 1.0,
+    method: str = "geometric"
+) -> Dict[str, float]:
+    """
+    B와 D(=100%) 사이를 보간하여 CCC/CC/C 등급 PD 산출
+
+    Parameters
+    ----------
+    pd_b : float
+        B등급 PD (소수)
+    pd_d : float
+        D등급 PD (기본: 1.0 = 100%)
+    method : str
+        'geometric': 기하평균
+        'log': 로그 등간격 보간
+
+    Returns
+    -------
+    Dict[str, float]
+        {'CCC': ..., 'CC': ..., 'C': ...}
+    """
+    if method == "geometric":
+        # B → CCC → CC → C → D 순서로 기하적 등간격
+        # 4개 구간 (B→CCC, CCC→CC, CC→C, C→D)
+        log_b = np.log(pd_b)
+        log_d = np.log(pd_d)
+        step = (log_d - log_b) / 4
+
+        ccc_pd = np.exp(log_b + step * 1)
+        cc_pd = np.exp(log_b + step * 2)
+        c_pd = np.exp(log_b + step * 3)
+    else:  # log-linear
+        log_b = np.log(pd_b)
+        log_d = np.log(pd_d)
+        step = (log_d - log_b) / 4
+
+        ccc_pd = np.exp(log_b + step * 1)
+        cc_pd = np.exp(log_b + step * 2)
+        c_pd = np.exp(log_b + step * 3)
+
+    return {"CCC": ccc_pd, "CC": cc_pd, "C": c_pd}
+
+
+def compute_notch_pd_ratios(
+    notch_spreads: Dict[str, float],
+    lgd: float = DEFAULT_LGD
+) -> Dict[str, Dict[str, float]]:
+    """
+    노치등급 간 PD 비율 산출 (나중에 등급 쪼개기에 사용)
+
+    예: AA+ : AA : AA- = 0.91 : 1.00 : 1.07 (AA 대비 비율)
+
+    Parameters
+    ----------
+    notch_spreads : Dict[str, float]
+        노치등급별 스프레드 (bp)
+
+    Returns
+    -------
+    Dict[str, Dict[str, float]]
+        대등급별 {노치등급: 비율} 딕셔너리
+        예: {'AA': {'AA+': 0.91, 'AA': 1.00, 'AA-': 1.07}}
+    """
+    from data.ytm_fetcher import NOTCH_TO_BROAD
+    from collections import defaultdict
+
+    # 대등급별 노치 그룹핑
+    groups = defaultdict(dict)
+    for notch, spread in notch_spreads.items():
+        broad = NOTCH_TO_BROAD.get(notch, notch)
+        groups[broad][notch] = compute_market_implied_pd(spread, lgd)
+
+    # 중간 노치 대비 비율 계산
+    ratios = {}
+    for broad, notch_pds in groups.items():
+        if len(notch_pds) == 1:
+            key = list(notch_pds.keys())[0]
+            ratios[broad] = {key: 1.0}
+        else:
+            # 중간 노치(plain) 기준
+            mid_key = broad  # AA+ → AA가 중간
+            if mid_key in notch_pds:
+                mid_pd = notch_pds[mid_key]
+            else:
+                mid_pd = sorted(notch_pds.values())[len(notch_pds) // 2]
+
+            ratios[broad] = {
+                notch: pd / mid_pd for notch, pd in notch_pds.items()
+            }
+
+    return ratios
+
+
+def build_complete_pd_floor_table(
+    date: str = "2025-12-31",
+    anchor_aaa: float = DEFAULT_AAA_ANCHOR,
+    recovery_rate: float = DEFAULT_RECOVERY_RATE
+) -> Tuple[Dict[str, float], Dict[str, float], Dict[str, Dict[str, float]]]:
+    """
+    전체 PD 플로어 테이블 생성 (원스톱)
+
+    Parameters
+    ----------
+    date : str
+        YTM 기준일
+    anchor_aaa : float
+        AAA 앵커 PD (기본: 5bp)
+    recovery_rate : float
+        회수율 (기본: 0.40)
+
+    Returns
+    -------
+    Tuple of:
+        broad_floors : Dict[str, float] - 대등급 PD 플로어 (AAA~B+D)
+        notch_ratios : Dict[str, Dict[str, float]] - 노치 비율
+        full_floors : Dict[str, float] - CCC/CC/C 포함 전체 PD (AAA~C+D)
+    """
+    from data.ytm_fetcher import get_ytm_data, compute_spreads, compute_broad_grade_spreads
+
+    lgd = 1 - recovery_rate
+
+    # 1) YTM 데이터 수집
+    ytm_data = get_ytm_data(date)
+    notch_spreads = compute_spreads(ytm_data)
+    broad_spreads = compute_broad_grade_spreads(notch_spreads)
+
+    logger.info(f"대등급 스프레드: {broad_spreads}")
+
+    # 2) PD 플로어 산출 (투자적격)
+    pd_floors = compute_pd_floors(broad_spreads, anchor_aaa, lgd)
+
+    # 3) 투기등급 외삽
+    pd_floors = extrapolate_speculative_grades(pd_floors, ["BB", "B"])
+
+    # 4) CCC/CC/C 보간
+    ccc_pds = interpolate_ccc_pd(pd_floors["B"], pd_d=1.0, method="geometric")
+    full_floors = {**pd_floors, **ccc_pds, "D": 1.0}
+
+    # 5) 노치 비율
+    notch_ratios = compute_notch_pd_ratios(notch_spreads, lgd)
+
+    return pd_floors, notch_ratios, full_floors
+
+
+if __name__ == "__main__":
+    logging.basicConfig(level=logging.INFO, format="%(message)s")
+
+    print("=" * 60)
+    print("  PD 플로어 산출 (KAP YTM 기반)")
+    print("=" * 60)
+
+    broad_floors, notch_ratios, full_floors = build_complete_pd_floor_table()
+
+    print("\n=== 대등급 PD 플로어 ===")
+    for grade in BROAD_GRADE_ORDER:
+        if grade in broad_floors:
+            print(f"  {grade:>4}: {broad_floors[grade]*10000:8.1f}bp  "
+                  f"({broad_floors[grade]*100:.4f}%)")
+
+    print("\n=== 전체 PD 플로어 (CCC/CC/C 포함) ===")
+    order = ["AAA", "AA", "A", "BBB", "BB", "B", "CCC", "CC", "C", "D"]
+    for grade in order:
+        if grade in full_floors:
+            print(f"  {grade:>4}: {full_floors[grade]*10000:8.1f}bp  "
+                  f"({full_floors[grade]*100:.4f}%)")
+
+    print("\n=== 노치 PD 비율 ===")
+    for broad, ratios in notch_ratios.items():
+        print(f"  {broad}:")
+        for notch, ratio in sorted(ratios.items()):
+            print(f"    {notch:>5}: ×{ratio:.3f}")
diff --git a/data/real/AVG_1998.csv b/data/real/AVG_1998.csv
deleted file mode 100644
index b552005..0000000
--- a/data/real/AVG_1998.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.576715,0.338615,0.084670,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.559352,0.440648,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.017544,0.699909,0.207912,0.071635,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.068283,0.515874,0.244982,0.027220,0.143640
-B,0.000000,0.000000,0.000000,0.000000,0.044442,0.476959,0.084169,0.394430
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.048887,0.353468,0.591645
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_1999.csv b/data/real/AVG_1999.csv
deleted file mode 100644
index 7e57684..0000000
--- a/data/real/AVG_1999.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.833333,0.166667,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.933333,0.066667,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.061773,0.737460,0.117262,0.000000,0.083505,0.000000,0.000000
-BBB,0.000000,0.000000,0.062378,0.797521,0.062053,0.075048,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.134711,0.796350,0.062045,0.006894,0.000000
-B,0.000000,0.000000,0.000000,0.023801,0.090450,0.592972,0.104642,0.188136
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.079026,0.452999,0.461975
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2000.csv b/data/real/AVG_2000.csv
deleted file mode 100644
index b4ca0e9..0000000
--- a/data/real/AVG_2000.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.014493,0.971014,0.014493,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.122075,0.817172,0.047406,0.013347,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.057296,0.883453,0.056255,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.075517,0.858165,0.028252,0.004798,0.033268
-B,0.000000,0.000000,0.000000,0.000000,0.115489,0.671687,0.118533,0.094291
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.092391,0.622554,0.279054
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2001.csv b/data/real/AVG_2001.csv
deleted file mode 100644
index 751f8a8..0000000
--- a/data/real/AVG_2001.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.061444,0.893772,0.030291,0.014493,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.101044,0.861655,0.037302,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.068367,0.846477,0.060342,0.010752,0.003000,0.011062
-BB,0.000000,0.000000,0.000000,0.062964,0.847031,0.037988,0.004221,0.047796
-B,0.000000,0.000000,0.000000,0.000000,0.160363,0.561351,0.099062,0.179224
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.128291,0.406102,0.459608
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2002.csv b/data/real/AVG_2002.csv
deleted file mode 100644
index b2ba295..0000000
--- a/data/real/AVG_2002.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.076355,0.852232,0.071413,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.114891,0.872030,0.013079,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.047703,0.911130,0.038171,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.094675,0.725113,0.119048,0.013228,0.047937
-B,0.000000,0.000000,0.000000,0.000000,0.080869,0.599699,0.105829,0.213603
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.071361,0.374766,0.547872
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2003.csv b/data/real/AVG_2003.csv
deleted file mode 100644
index d258ce2..0000000
--- a/data/real/AVG_2003.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.085849,0.800426,0.113725,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.026047,0.910271,0.049112,0.000000,0.014570,0.000000,0.000000
-BBB,0.000000,0.000000,0.078127,0.898498,0.020379,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.011905,0.073811,0.735706,0.115708,0.012856,0.050014
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.776242,0.136984,0.086774
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.732848,0.241152
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2004.csv b/data/real/AVG_2004.csv
deleted file mode 100644
index 48e66cd..0000000
--- a/data/real/AVG_2004.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.081732,0.885698,0.032570,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.105432,0.857125,0.037443,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.118503,0.855562,0.022940,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.180688,0.579904,0.029986,0.004990,0.204431
-B,0.000000,0.000000,0.000000,0.067996,0.025653,0.587401,0.103659,0.215291
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.033856,0.478994,0.481151
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2005.csv b/data/real/AVG_2005.csv
deleted file mode 100644
index 16e18d5..0000000
--- a/data/real/AVG_2005.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.027063,0.961034,0.011903,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.080727,0.901305,0.017968,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.113735,0.883270,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.174718,0.805287,0.015011,0.004985,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.737199,0.130094,0.132708
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.650564,0.323436
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2006.csv b/data/real/AVG_2006.csv
deleted file mode 100644
index a52d432..0000000
--- a/data/real/AVG_2006.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.039636,0.949612,0.010752,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.150519,0.849481,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.099090,0.862331,0.009213,0.017425,0.002999,0.008942
-BB,0.000000,0.000000,0.052771,0.113733,0.697852,0.102932,0.013095,0.019616
-B,0.000000,0.000000,0.000000,0.000000,0.013320,0.822017,0.145062,0.019601
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.023990,0.921009,0.049001
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2007.csv b/data/real/AVG_2007.csv
deleted file mode 100644
index c30ffc2..0000000
--- a/data/real/AVG_2007.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.033387,0.927049,0.039565,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.030441,0.951364,0.018196,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.154455,0.823274,0.019275,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.790519,0.188533,0.020948,0.000000
-B,0.000000,0.000000,0.022231,0.000000,0.037026,0.799631,0.141111,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.042954,0.951046,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2008.csv b/data/real/AVG_2008.csv
deleted file mode 100644
index 0f9d5cc..0000000
--- a/data/real/AVG_2008.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.970045,0.029955,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.031482,0.923305,0.045213,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.100955,0.789007,0.094084,0.000000,0.002996,0.012958
-BB,0.000000,0.000000,0.000000,0.000000,0.838881,0.075012,0.008335,0.077771
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.792549,0.139862,0.067589
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.840113,0.133887
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2009.csv b/data/real/AVG_2009.csv
deleted file mode 100644
index 581a5b4..0000000
--- a/data/real/AVG_2009.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.009656,0.990344,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.104447,0.876365,0.019188,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.068251,0.856864,0.000000,0.071886,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.672167,0.165050,0.018339,0.144445
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.738601,0.130341,0.131057
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.646357,0.327643
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2010.csv b/data/real/AVG_2010.csv
deleted file mode 100644
index da4f420..0000000
--- a/data/real/AVG_2010.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.016612,0.983388,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.076151,0.916687,0.007162,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.151960,0.747671,0.000000,0.097368,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.088045,0.760897,0.033324,0.007019,0.110714
-B,0.000000,0.000000,0.000000,0.000000,0.042016,0.596927,0.105340,0.255717
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.033613,0.432171,0.528216
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2011.csv b/data/real/AVG_2011.csv
deleted file mode 100644
index 4587f8e..0000000
--- a/data/real/AVG_2011.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.080891,0.912472,0.000000,0.000000,0.006636,0.000000,0.000000
-BBB,0.000000,0.000000,0.056800,0.900004,0.020100,0.000000,0.002996,0.020100
-BB,0.000000,0.000000,0.000000,0.000000,0.958177,0.000000,0.004975,0.036848
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.722515,0.127503,0.149983
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.640697,0.333303
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2012.csv b/data/real/AVG_2012.csv
deleted file mode 100644
index e9b3aca..0000000
--- a/data/real/AVG_2012.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.996806,0.003194,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.045306,0.891376,0.057383,0.000000,0.000000,0.000000,0.005935
-BBB,0.000000,0.000000,0.044172,0.854883,0.078990,0.000000,0.002996,0.018959
-BB,0.000000,0.000000,0.000000,0.000000,0.882739,0.042857,0.008079,0.066325
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.527309,0.093055,0.379636
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.371213,0.602787
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2013.csv b/data/real/AVG_2013.csv
deleted file mode 100644
index 1fd0a83..0000000
--- a/data/real/AVG_2013.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.006139,0.974049,0.019812,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.061071,0.896095,0.042834,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.025036,0.833740,0.000000,0.097981,0.003000,0.040243
-BB,0.000000,0.000000,0.000000,0.019608,0.633854,0.240730,0.026748,0.079061
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.783775,0.138313,0.077912
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.779051,0.194949
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2014.csv b/data/real/AVG_2014.csv
deleted file mode 100644
index d2b350e..0000000
--- a/data/real/AVG_2014.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.982722,0.017278,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.935092,0.064908,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.042667,0.911635,0.039382,0.000000,0.000000,0.000000,0.006316
-BBB,0.000000,0.000000,0.049172,0.754148,0.095230,0.081005,0.003000,0.017445
-BB,0.000000,0.000000,0.000000,0.000000,0.889822,0.044140,0.004904,0.061134
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.809516,0.142856,0.047629
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.854929,0.119071
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2015.csv b/data/real/AVG_2015.csv
deleted file mode 100644
index 38dc8ad..0000000
--- a/data/real/AVG_2015.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.987769,0.012231,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.942411,0.057589,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.044707,0.890625,0.044093,0.020575,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.883788,0.058686,0.054528,0.002999,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.824613,0.066133,0.009006,0.100248
-B,0.000000,0.000000,0.000000,0.000000,0.033357,0.696715,0.122950,0.146978
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.040019,0.625156,0.328824
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2016.csv b/data/real/AVG_2016.csv
deleted file mode 100644
index f76d430..0000000
--- a/data/real/AVG_2016.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.986849,0.013151,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.006451,0.968852,0.024697,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.104974,0.858533,0.033497,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.017561,0.000000,0.807022,0.110507,0.012279,0.052632
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.770997,0.136058,0.092944
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.725061,0.248939
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2017.csv b/data/real/AVG_2017.csv
deleted file mode 100644
index 0074718..0000000
--- a/data/real/AVG_2017.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.002491,0.997509,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.006881,0.945764,0.047356,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.036065,0.960939,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.954884,0.039112,0.006004,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.037033,0.782552,0.138097,0.042318
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.042959,0.845245,0.105796
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2018.csv b/data/real/AVG_2018.csv
deleted file mode 100644
index 34b56f5..0000000
--- a/data/real/AVG_2018.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.002562,0.989769,0.007670,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.032033,0.957316,0.010651,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.070225,0.926780,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.036842,0.912222,0.042857,0.008079,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2019.csv b/data/real/AVG_2019.csv
deleted file mode 100644
index def8d78..0000000
--- a/data/real/AVG_2019.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.988467,0.011533,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.992525,0.007475,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.023329,0.956611,0.020060,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.057312,0.907983,0.031709,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.844864,0.079973,0.010544,0.064618
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.726629,0.128229,0.145142
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.609263,0.364737
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2020.csv b/data/real/AVG_2020.csv
deleted file mode 100644
index ebb65f4..0000000
--- a/data/real/AVG_2020.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.980288,0.019712,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.031368,0.950070,0.018561,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.981861,0.015143,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.807501,0.142500,0.049999
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.849003,0.124997
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2021.csv b/data/real/AVG_2021.csv
deleted file mode 100644
index 9f4863b..0000000
--- a/data/real/AVG_2021.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.983165,0.016835,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.019705,0.980295,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.045741,0.951264,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.903741,0.077251,0.008583,0.010425
-B,0.000000,0.000000,0.000000,0.000000,0.036290,0.785823,0.138675,0.039213
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.035699,0.872423,0.085878
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2022.csv b/data/real/AVG_2022.csv
deleted file mode 100644
index 916246a..0000000
--- a/data/real/AVG_2022.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.988889,0.011111,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.024003,0.972968,0.003029,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.056490,0.932766,0.007749,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.006520,0.938149,0.049798,0.005533,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.832292,0.146875,0.020833
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.921917,0.052083
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2023.csv b/data/real/AVG_2023.csv
deleted file mode 100644
index 996dc22..0000000
--- a/data/real/AVG_2023.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.985058,0.014942,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.012441,0.967654,0.019175,0.000346,0.000192,0.000192,0.000000,0.000000
-A,0.000000,0.046798,0.925196,0.017851,0.000981,0.008194,0.000000,0.000981
-BBB,0.000000,0.000324,0.122103,0.840895,0.015282,0.011434,0.002997,0.006966
-BB,0.000000,0.000000,0.007813,0.059788,0.747704,0.087134,0.009682,0.087879
-B,0.000000,0.000000,0.000000,0.009755,0.004878,0.688927,0.121575,0.174865
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.017235,0.714467,0.262298
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2024.csv b/data/real/AVG_2024.csv
deleted file mode 100644
index fa51b74..0000000
--- a/data/real/AVG_2024.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.989263,0.010737,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.009179,0.986330,0.004491,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.002861,0.987801,0.009338,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.986259,0.010745,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.019053,0.910296,0.052873,0.005875,0.011903
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.748310,0.132055,0.119636
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.691617,0.282383
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/AVG_2025.csv b/data/real/AVG_2025.csv
deleted file mode 100644
index d503ce0..0000000
--- a/data/real/AVG_2025.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.997390,0.002610,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.005308,0.971845,0.022707,0.000140,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.018709,0.961237,0.018726,0.000443,0.000738,0.000000,0.000148
-BBB,0.000000,0.000000,0.054288,0.926175,0.010365,0.004800,0.002997,0.001374
-BB,0.000000,0.000000,0.000961,0.018349,0.881175,0.073681,0.009845,0.015990
-B,0.000000,0.000000,0.000000,0.001442,0.059834,0.665919,0.117515,0.155290
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.054534,0.617403,0.322063
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_1999.csv b/data/real/KR_1999.csv
deleted file mode 100644
index 218d486..0000000
--- a/data/real/KR_1999.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.500000,0.500000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.800000,0.200000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.078454,0.705876,0.137215,0.000000,0.078454,0.000000,0.000000
-BBB,0.000000,0.000000,0.040009,0.851838,0.040009,0.065144,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.176529,0.735269,0.079382,0.008820,0.000000
-B,0.000000,0.000000,0.000000,0.071403,0.071403,0.546436,0.096430,0.214329
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.057122,0.401055,0.535823
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2000.csv b/data/real/KR_2000.csv
deleted file mode 100644
index ffbcc15..0000000
--- a/data/real/KR_2000.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.081662,0.857174,0.040776,0.020388,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.079514,0.864444,0.053047,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.064964,0.844180,0.046711,0.005190,0.038955
-B,0.000000,0.000000,0.000000,0.000000,0.083322,0.672884,0.118744,0.125050
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.066658,0.525918,0.401424
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2001.csv b/data/real/KR_2001.csv
deleted file mode 100644
index c585669..0000000
--- a/data/real/KR_2001.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.049979,0.950021,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.106349,0.829818,0.063832,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.030564,0.876112,0.061259,0.008688,0.003000,0.020376
-BB,0.000000,0.000000,0.000000,0.095924,0.862930,0.024650,0.002739,0.013758
-B,0.000000,0.000000,0.000000,0.000000,0.076950,0.653777,0.115372,0.153901
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.061560,0.332440,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2002.csv b/data/real/KR_2002.csv
deleted file mode 100644
index 52b093e..0000000
--- a/data/real/KR_2002.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.083374,0.916626,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.102050,0.897950,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.057049,0.911431,0.028525,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.114754,0.721311,0.118033,0.013115,0.032787
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.667819,0.117850,0.214331
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.374000,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2003.csv b/data/real/KR_2003.csv
deleted file mode 100644
index c3e752c..0000000
--- a/data/real/KR_2003.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.129019,0.677454,0.193528,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.020426,0.938721,0.040853,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.053240,0.917088,0.026677,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.035714,0.107143,0.607143,0.192857,0.021429,0.035714
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.784560,0.138452,0.076988
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.808039,0.165961
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2004.csv b/data/real/KR_2004.csv
deleted file mode 100644
index d6d1d08..0000000
--- a/data/real/KR_2004.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.050023,0.949977,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.134662,0.826882,0.038457,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.084410,0.898527,0.014068,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.200000,0.450000,0.045000,0.005000,0.300000
-B,0.000000,0.000000,0.000000,0.055556,0.000000,0.566667,0.100000,0.277778
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.374000,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2005.csv b/data/real/KR_2005.csv
deleted file mode 100644
index f4ae11f..0000000
--- a/data/real/KR_2005.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.045479,0.954521,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.094301,0.867906,0.037793,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.105697,0.891307,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.149988,0.799976,0.045032,0.005004,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.637500,0.112500,0.250000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.374000,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2006.csv b/data/real/KR_2006.csv
deleted file mode 100644
index 6e731b4..0000000
--- a/data/real/KR_2006.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.032255,0.935491,0.032255,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.147019,0.852981,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.082392,0.869092,0.011754,0.022008,0.003000,0.011754
-BB,0.000000,0.000000,0.058847,0.058847,0.647051,0.158766,0.017641,0.058847
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.800019,0.141180,0.058802
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.826996,0.147004
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2007.csv b/data/real/KR_2007.csv
deleted file mode 100644
index a749849..0000000
--- a/data/real/KR_2007.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.076940,0.897450,0.025609,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.037071,0.944394,0.018535,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.158273,0.826515,0.012216,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.714339,0.257095,0.028566,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2008.csv b/data/real/KR_2008.csv
deleted file mode 100644
index 4bf755e..0000000
--- a/data/real/KR_2008.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.955575,0.044425,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.040582,0.945926,0.013492,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.109402,0.819255,0.068347,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.849962,0.045045,0.005005,0.099989
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.760532,0.134212,0.105257
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.816115,0.157885
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2009.csv b/data/real/KR_2009.csv
deleted file mode 100644
index e8b9bc7..0000000
--- a/data/real/KR_2009.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.102233,0.875013,0.022754,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.042594,0.870855,0.000000,0.083550,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.733252,0.120037,0.013337,0.133374
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.740280,0.130638,0.129082
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.651295,0.322705
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2010.csv b/data/real/KR_2010.csv
deleted file mode 100644
index d255b9d..0000000
--- a/data/real/KR_2010.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.037519,0.962481,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.087912,0.912088,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.205862,0.704431,0.000000,0.086707,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.773964,0.000000,0.004975,0.221061
-B,0.000000,0.000000,0.000000,0.000000,0.038422,0.686561,0.121158,0.153859
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.030737,0.578614,0.384649
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2011.csv b/data/real/KR_2011.csv
deleted file mode 100644
index 315af6a..0000000
--- a/data/real/KR_2011.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.073416,0.926584,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.049914,0.947090,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.680000,0.120000,0.200000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.474000,0.500000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2012.csv b/data/real/KR_2012.csv
deleted file mode 100644
index d17eef4..0000000
--- a/data/real/KR_2012.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.044629,0.892891,0.053554,0.000000,0.000000,0.000000,0.008926
-BBB,0.000000,0.000000,0.044413,0.886024,0.066567,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.377791,0.066669,0.555540
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.140691,0.833309
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2013.csv b/data/real/KR_2013.csv
deleted file mode 100644
index a8e04fd..0000000
--- a/data/real/KR_2013.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.009264,0.981472,0.009264,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.046726,0.915872,0.037402,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.021327,0.870775,0.000000,0.062363,0.003000,0.042535
-BB,0.000000,0.000000,0.000000,0.000000,0.703690,0.200038,0.022226,0.074046
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.772735,0.136365,0.090900
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.837650,0.136350
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2014.csv b/data/real/KR_2014.csv
deleted file mode 100644
index 19cd656..0000000
--- a/data/real/KR_2014.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.983845,0.016155,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.932769,0.067231,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.042146,0.915709,0.042146,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.023774,0.760530,0.095211,0.093711,0.003000,0.023774
-BB,0.000000,0.000000,0.000000,0.000000,0.850007,0.044957,0.004995,0.100041
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.789228,0.139276,0.071496
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.795260,0.178740
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2015.csv b/data/real/KR_2015.csv
deleted file mode 100644
index bf7d584..0000000
--- a/data/real/KR_2015.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.981782,0.018218,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.935477,0.064523,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.044409,0.900080,0.033307,0.022204,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.939931,0.057073,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.769245,0.138398,0.015378,0.076980
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.772767,0.136371,0.090862
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.837707,0.136293
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2016.csv b/data/real/KR_2016.csv
deleted file mode 100644
index 039c0e2..0000000
--- a/data/real/KR_2016.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.984166,0.015834,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.010064,0.969700,0.020236,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.085539,0.854439,0.057026,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.789500,0.142110,0.015790,0.052600
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.719282,0.126932,0.153786
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.524379,0.449621
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2017.csv b/data/real/KR_2017.csv
deleted file mode 100644
index 21cd681..0000000
--- a/data/real/KR_2017.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.011122,0.944390,0.044488,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.041599,0.955406,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.941123,0.052989,0.005888,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.789286,0.139286,0.071429
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.795429,0.178571
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2018.csv b/data/real/KR_2018.csv
deleted file mode 100644
index 0dd774f..0000000
--- a/data/real/KR_2018.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.007685,0.984630,0.007685,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.032247,0.957003,0.010749,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.086814,0.910191,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.857143,0.128571,0.014286,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2019.csv b/data/real/KR_2019.csv
deleted file mode 100644
index d6735af..0000000
--- a/data/real/KR_2019.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.983300,0.016700,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.020358,0.948998,0.030644,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.047580,0.901844,0.047580,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.900042,0.089962,0.009996,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.743787,0.131257,0.124956
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.661609,0.312391
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2020.csv b/data/real/KR_2020.csv
deleted file mode 100644
index 77196e5..0000000
--- a/data/real/KR_2020.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.977808,0.022192,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.048079,0.942264,0.009657,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.765022,0.135004,0.099974
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.724065,0.249935
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2021.csv b/data/real/KR_2021.csv
deleted file mode 100644
index 814ac4b..0000000
--- a/data/real/KR_2021.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.992953,0.007047,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.020222,0.979778,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.053973,0.943031,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.967756,0.029020,0.003224,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.058847,0.749959,0.132346,0.058847
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.047078,0.799804,0.147119
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2022.csv b/data/real/KR_2022.csv
deleted file mode 100644
index b23d2e1..0000000
--- a/data/real/KR_2022.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.979737,0.020263,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.018174,0.972739,0.009087,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.069630,0.904128,0.023246,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.911742,0.079432,0.008826,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2023.csv b/data/real/KR_2023.csv
deleted file mode 100644
index c68e1d5..0000000
--- a/data/real/KR_2023.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.985975,0.014025,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.024314,0.929246,0.044250,0.001037,0.000576,0.000576,0.000000,0.000000
-A,0.000000,0.140393,0.803316,0.043990,0.002942,0.006418,0.000000,0.002942
-BBB,0.000000,0.000972,0.210919,0.684066,0.045845,0.034301,0.003000,0.020897
-BB,0.000000,0.000000,0.023439,0.179363,0.441274,0.137580,0.015287,0.203057
-B,0.000000,0.000000,0.000000,0.029265,0.014633,0.366781,0.064726,0.524595
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.011706,0.195401,0.786893
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2024.csv b/data/real/KR_2024.csv
deleted file mode 100644
index 74a9e9c..0000000
--- a/data/real/KR_2024.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.014086,0.978922,0.006992,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.990854,0.009146,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.964769,0.032236,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.928580,0.032139,0.003571,0.035710
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.799955,0.141168,0.058877
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.876927,0.097073
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/KR_2025.csv b/data/real/KR_2025.csv
deleted file mode 100644
index 381ec5a..0000000
--- a/data/real/KR_2025.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.995674,0.004326,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.008638,0.970505,0.020436,0.000421,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.046355,0.922115,0.027547,0.001328,0.002213,0.000000,0.000443
-BBB,0.000000,0.000000,0.067727,0.879654,0.031095,0.014401,0.003000,0.004122
-BB,0.000000,0.000000,0.002883,0.055046,0.796592,0.087759,0.009751,0.047969
-B,0.000000,0.000000,0.000000,0.004327,0.012835,0.722757,0.127545,0.132535
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.010268,0.617541,0.366190
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_1998.csv b/data/real/NICE_1998.csv
deleted file mode 100644
index a0d19b3..0000000
--- a/data/real/NICE_1998.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.500000,0.500000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.591057,0.296279,0.109664,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.050023,0.750000,0.134959,0.014995,0.050023
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.495856,0.087504,0.416640
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.349041,0.624959
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_1999.csv b/data/real/NICE_1999.csv
deleted file mode 100644
index 8bdeec5..0000000
--- a/data/real/NICE_1999.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.021732,0.804413,0.086928,0.000000,0.086928,0.000000,0.000000
-BBB,0.000000,0.000000,0.079374,0.728627,0.095249,0.093749,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.102555,0.820559,0.069197,0.007689,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.637468,0.112494,0.250037
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.374000,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2000.csv b/data/real/NICE_2000.csv
deleted file mode 100644
index a220b67..0000000
--- a/data/real/NICE_2000.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.043478,0.913043,0.043478,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.156895,0.764603,0.058849,0.019653,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.056683,0.872192,0.068130,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.112645,0.816860,0.038045,0.004227,0.028222
-B,0.000000,0.000000,0.000000,0.000000,0.157903,0.671088,0.118427,0.052582
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.126322,0.769710,0.097968
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2001.csv b/data/real/NICE_2001.csv
deleted file mode 100644
index 8256104..0000000
--- a/data/real/NICE_2001.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.090874,0.818251,0.090874,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.065196,0.913072,0.021732,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.051241,0.870396,0.051241,0.011310,0.003000,0.012810
-BB,0.000000,0.000000,0.000000,0.075724,0.833355,0.027238,0.003026,0.060657
-B,0.000000,0.000000,0.000000,0.000000,0.181865,0.463610,0.081813,0.272712
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.145492,0.248508,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2002.csv b/data/real/NICE_2002.csv
deleted file mode 100644
index 5a1c909..0000000
--- a/data/real/NICE_2002.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.107174,0.678587,0.214238,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.117594,0.843171,0.039236,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.051660,0.910955,0.034389,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.081633,0.734694,0.128571,0.014286,0.040816
-B,0.000000,0.000000,0.000000,0.000000,0.125000,0.531250,0.093750,0.250000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.100000,0.294000,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2003.csv b/data/real/NICE_2003.csv
deleted file mode 100644
index 7abe069..0000000
--- a/data/real/NICE_2003.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.095200,0.857143,0.047657,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.057715,0.865296,0.057715,0.000000,0.019274,0.000000,0.000000
-BBB,0.000000,0.000000,0.095112,0.901892,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.057169,0.799974,0.051452,0.005717,0.085688
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.779167,0.137500,0.083333
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.765667,0.208333
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2004.csv b/data/real/NICE_2004.csv
deleted file mode 100644
index 79cead9..0000000
--- a/data/real/NICE_2004.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.095200,0.857143,0.047657,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.101660,0.864454,0.033887,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.098239,0.882412,0.016353,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.142094,0.639698,0.000000,0.004975,0.213233
-B,0.000000,0.000000,0.000000,0.076959,0.076959,0.588439,0.103842,0.153802
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.061567,0.547929,0.384504
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2005.csv b/data/real/NICE_2005.csv
deleted file mode 100644
index a232b2c..0000000
--- a/data/real/NICE_2005.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.035710,0.928580,0.035710,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.083314,0.916686,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.083163,0.913842,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.153070,0.841955,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.724096,0.127782,0.148123
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.603693,0.370307
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2006.csv b/data/real/NICE_2006.csv
deleted file mode 100644
index e2734fe..0000000
--- a/data/real/NICE_2006.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.027787,0.972213,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.153888,0.846112,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.151344,0.830587,0.000000,0.000000,0.002996,0.015073
-BB,0.000000,0.000000,0.000000,0.083300,0.750000,0.150030,0.016670,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.039961,0.816033,0.144006,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.031969,0.962031,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2007.csv b/data/real/NICE_2007.csv
deleted file mode 100644
index 7905931..0000000
--- a/data/real/NICE_2007.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.953466,0.046534,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.017851,0.964299,0.017851,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.136149,0.830625,0.030231,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.857169,0.128548,0.014283,0.000000
-B,0.000000,0.000000,0.066692,0.000000,0.000000,0.793311,0.139996,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2008.csv b/data/real/NICE_2008.csv
deleted file mode 100644
index b2cd59a..0000000
--- a/data/real/NICE_2008.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.039961,0.893401,0.066638,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.115165,0.785788,0.076817,0.000000,0.002996,0.019235
-BB,0.000000,0.000000,0.000000,0.000000,0.933333,0.060000,0.006667,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.825706,0.145713,0.028581
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.902546,0.071454
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2009.csv b/data/real/NICE_2009.csv
deleted file mode 100644
index e8b620d..0000000
--- a/data/real/NICE_2009.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.028968,0.971032,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.112361,0.865147,0.022493,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.108065,0.836402,0.000000,0.052533,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.749954,0.075069,0.008341,0.166636
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.728571,0.128571,0.142857
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.616857,0.357143
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2010.csv b/data/real/NICE_2010.csv
deleted file mode 100644
index d3de762..0000000
--- a/data/real/NICE_2010.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.064570,0.913944,0.021486,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.125019,0.790083,0.000000,0.081898,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.153054,0.841971,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.047675,0.526185,0.092856,0.333284
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.038140,0.355860,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2011.csv b/data/real/NICE_2011.csv
deleted file mode 100644
index 9a0103a..0000000
--- a/data/real/NICE_2011.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.069290,0.920766,0.000000,0.000000,0.009944,0.000000,0.000000
-BBB,0.000000,0.000000,0.053973,0.889058,0.026987,0.000000,0.002996,0.026987
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.743762,0.131252,0.124986
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.661535,0.312465
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2012.csv b/data/real/NICE_2012.csv
deleted file mode 100644
index b390a9e..0000000
--- a/data/real/NICE_2012.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.990419,0.009581,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.044609,0.884037,0.062474,0.000000,0.000000,0.000000,0.008880
-BBB,0.000000,0.000000,0.025648,0.868876,0.076833,0.000000,0.002996,0.025648
-BB,0.000000,0.000000,0.000000,0.000000,0.796050,0.000000,0.004975,0.198975
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.637470,0.112495,0.250035
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.598947,0.375053
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2013.csv b/data/real/NICE_2013.csv
deleted file mode 100644
index 6a206f3..0000000
--- a/data/real/NICE_2013.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.958980,0.041020,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.073398,0.871553,0.055049,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.024413,0.778901,0.000000,0.144861,0.003000,0.048825
-BB,0.000000,0.000000,0.000000,0.000000,0.727283,0.204505,0.022723,0.045489
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.728591,0.128575,0.142835
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.525504,0.448496
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2014.csv b/data/real/NICE_2014.csv
deleted file mode 100644
index 2131489..0000000
--- a/data/real/NICE_2014.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.964320,0.035680,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.932853,0.067147,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.049476,0.901049,0.039623,0.000000,0.000000,0.000000,0.009853
-BBB,0.000000,0.000000,0.057122,0.770011,0.057122,0.084183,0.003000,0.028561
-BB,0.000000,0.000000,0.000000,0.000000,0.875014,0.037462,0.004162,0.083361
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.789319,0.139292,0.071390
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.795526,0.178474
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2015.csv b/data/real/NICE_2015.csv
deleted file mode 100644
index a0ccf05..0000000
--- a/data/real/NICE_2015.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.969894,0.030106,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.052662,0.873681,0.052662,0.020996,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.855732,0.071384,0.069884,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.904594,0.000000,0.004975,0.090431
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.637500,0.112500,0.250000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.374000,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2016.csv b/data/real/NICE_2016.csv
deleted file mode 100644
index cfa71d0..0000000
--- a/data/real/NICE_2016.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.992432,0.007568,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.009289,0.962951,0.027760,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.086797,0.866742,0.043466,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.052682,0.000000,0.789409,0.094704,0.010523,0.052682
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2017.csv b/data/real/NICE_2017.csv
deleted file mode 100644
index 86480d3..0000000
--- a/data/real/NICE_2017.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.007474,0.992526,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.009521,0.942877,0.047603,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.066597,0.930407,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.928504,0.064346,0.007150,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.802803,0.141671,0.055526
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.835184,0.138816
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2018.csv b/data/real/NICE_2018.csv
deleted file mode 100644
index 9c0a2d1..0000000
--- a/data/real/NICE_2018.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.992747,0.007253,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.031195,0.958446,0.010359,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.071357,0.925648,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2019.csv b/data/real/NICE_2019.csv
deleted file mode 100644
index 67bd555..0000000
--- a/data/real/NICE_2019.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.985280,0.014720,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.028556,0.952443,0.019001,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.076808,0.920197,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.750071,0.149957,0.016662,0.083310
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.671069,0.118424,0.210507
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.442090,0.531910
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2020.csv b/data/real/NICE_2020.csv
deleted file mode 100644
index 9a36b7c..0000000
--- a/data/real/NICE_2020.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.979069,0.020931,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.018528,0.962943,0.018528,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.807480,0.142497,0.050023
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.848943,0.125057
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2021.csv b/data/real/NICE_2021.csv
deleted file mode 100644
index 5183e73..0000000
--- a/data/real/NICE_2021.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.979069,0.020931,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.019653,0.980347,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.931002,0.062098,0.006900,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.050023,0.807480,0.142497,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.040018,0.953982,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2022.csv b/data/real/NICE_2022.csv
deleted file mode 100644
index e2aadf3..0000000
--- a/data/real/NICE_2022.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.986929,0.013071,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.026304,0.973696,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.099839,0.897165,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.019561,0.941203,0.035312,0.003924,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.796875,0.140625,0.062500
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.817750,0.156250
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2023.csv b/data/real/NICE_2023.csv
deleted file mode 100644
index bb4b854..0000000
--- a/data/real/NICE_2023.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.969200,0.030800,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.013008,0.980487,0.006504,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.991400,0.000000,0.000000,0.008600,0.000000,0.000000
-BBB,0.000000,0.000000,0.055539,0.941465,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.878839,0.054522,0.006058,0.060580
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2024.csv b/data/real/NICE_2024.csv
deleted file mode 100644
index 1cd4410..0000000
--- a/data/real/NICE_2024.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.993518,0.006482,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.008584,0.982833,0.008584,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.057159,0.885682,0.051443,0.005716,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.765022,0.135004,0.099974
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.724065,0.249935
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/NICE_2025.csv b/data/real/NICE_2025.csv
deleted file mode 100644
index 9b61869..0000000
--- a/data/real/NICE_2025.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.996497,0.003503,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.007287,0.972014,0.020699,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.991024,0.008976,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.095137,0.901867,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.851908,0.133283,0.014809,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_1998.csv b/data/real/SCI_1998.csv
deleted file mode 100644
index 0f1fd32..0000000
--- a/data/real/SCI_1998.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.285700,0.571400,0.142900,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.541681,0.458319,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.720695,0.222195,0.054110,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.047639,0.333333,0.342875,0.038097,0.238056
-B,0.000000,0.000000,0.000000,0.000000,0.133325,0.510020,0.090004,0.266651
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.106660,0.487364,0.399976
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_1999.csv b/data/real/SCI_1999.csv
deleted file mode 100644
index edafc08..0000000
--- a/data/real/SCI_1999.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.085133,0.702091,0.127642,0.000000,0.085133,0.000000,0.000000
-BBB,0.000000,0.000000,0.067750,0.812098,0.050902,0.066250,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.125050,0.833222,0.037555,0.004173,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.199946,0.595011,0.105002,0.100041
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.159957,0.583942,0.250101
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2000.csv b/data/real/SCI_2000.csv
deleted file mode 100644
index 233e8ca..0000000
--- a/data/real/SCI_2000.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.127669,0.829738,0.042593,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.035692,0.913724,0.047589,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.048942,0.913456,0.000000,0.004975,0.032628
-B,0.000000,0.000000,0.000000,0.000000,0.105242,0.671089,0.118428,0.105242
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.084193,0.572036,0.337771
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2001.csv b/data/real/SCI_2001.csv
deleted file mode 100644
index de557cb..0000000
--- a/data/real/SCI_2001.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.043478,0.913043,0.000000,0.043478,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.131585,0.842073,0.026342,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.123296,0.792921,0.068526,0.012256,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.017244,0.844808,0.062077,0.006897,0.068974
-B,0.000000,0.000000,0.000000,0.000000,0.222274,0.566667,0.100000,0.111059
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.177819,0.637358,0.178823
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2002.csv b/data/real/SCI_2002.csv
deleted file mode 100644
index 8e2e02e..0000000
--- a/data/real/SCI_2002.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.038518,0.961482,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.125030,0.874970,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.034400,0.911004,0.051601,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.087637,0.719335,0.110539,0.012282,0.070207
-B,0.000000,0.000000,0.000000,0.000000,0.117606,0.600028,0.105887,0.176479
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.094084,0.456299,0.443617
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2003.csv b/data/real/SCI_2003.csv
deleted file mode 100644
index 0750c3b..0000000
--- a/data/real/SCI_2003.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.033330,0.866681,0.099989,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.926796,0.048768,0.000000,0.024436,0.000000,0.000000
-BBB,0.000000,0.000000,0.086029,0.876515,0.034461,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.057120,0.800000,0.102816,0.011424,0.028640
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.765000,0.135000,0.100000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.624838,0.349162
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2004.csv b/data/real/SCI_2004.csv
deleted file mode 100644
index d3f19c2..0000000
--- a/data/real/SCI_2004.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.099974,0.849974,0.050052,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.079973,0.880040,0.039987,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.172859,0.785746,0.038399,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.199970,0.650015,0.044959,0.004995,0.100060
-B,0.000000,0.000000,0.000000,0.071474,0.000000,0.607096,0.107135,0.214295
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.515052,0.458948
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2005.csv b/data/real/SCI_2005.csv
deleted file mode 100644
index 242e189..0000000
--- a/data/real/SCI_2005.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.064566,0.919322,0.016112,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.152344,0.844660,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.221095,0.773930,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2006.csv b/data/real/SCI_2006.csv
deleted file mode 100644
index 14b8d2e..0000000
--- a/data/real/SCI_2006.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.058867,0.941133,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.150651,0.849349,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.063536,0.887313,0.015884,0.030268,0.003000,0.000000
-BB,0.000000,0.000000,0.099467,0.199053,0.696505,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2007.csv b/data/real/SCI_2007.csv
deleted file mode 100644
index dbfc334..0000000
--- a/data/real/SCI_2007.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.023219,0.930230,0.046551,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.036401,0.945398,0.018201,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.168944,0.812682,0.015378,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.800048,0.179957,0.019995,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.111079,0.755583,0.133338,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.088863,0.905137,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2008.csv b/data/real/SCI_2008.csv
deleted file mode 100644
index a8a8e90..0000000
--- a/data/real/SCI_2008.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.954561,0.045439,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.013904,0.930588,0.055508,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.078299,0.761979,0.137087,0.000000,0.002996,0.019639
-BB,0.000000,0.000000,0.000000,0.000000,0.733349,0.119993,0.013333,0.133325
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.791410,0.139661,0.068929
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.801677,0.172323
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2009.csv b/data/real/SCI_2009.csv
deleted file mode 100644
index 9f73e09..0000000
--- a/data/real/SCI_2009.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.098747,0.888936,0.012317,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.054093,0.863333,0.000000,0.079574,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.533294,0.300044,0.033338,0.133324
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.746952,0.131815,0.121233
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.670918,0.303082
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2010.csv b/data/real/SCI_2010.csv
deleted file mode 100644
index ed01ac8..0000000
--- a/data/real/SCI_2010.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.012317,0.987683,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.075972,0.924028,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.125000,0.748500,0.000000,0.123500,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.111081,0.666756,0.099973,0.011108,0.111081
-B,0.000000,0.000000,0.000000,0.000000,0.039951,0.578036,0.102006,0.280007
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.031961,0.362039,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2011.csv b/data/real/SCI_2011.csv
deleted file mode 100644
index ed77c93..0000000
--- a/data/real/SCI_2011.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.099968,0.890067,0.000000,0.000000,0.009965,0.000000,0.000000
-BBB,0.000000,0.000000,0.066512,0.863863,0.033314,0.000000,0.002996,0.033314
-BB,0.000000,0.000000,0.000000,0.000000,0.884480,0.000000,0.004975,0.110545
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.743782,0.131256,0.124962
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.786556,0.187444
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2012.csv b/data/real/SCI_2012.csv
deleted file mode 100644
index 61f1fff..0000000
--- a/data/real/SCI_2012.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.046680,0.897199,0.056120,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.062456,0.809750,0.093571,0.000000,0.002996,0.031228
-BB,0.000000,0.000000,0.000000,0.000000,0.857143,0.128571,0.014286,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.566667,0.100000,0.333333
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.374000,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2013.csv b/data/real/SCI_2013.csv
deleted file mode 100644
index 64db261..0000000
--- a/data/real/SCI_2013.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.009153,0.981694,0.009153,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.063089,0.900860,0.036051,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.029368,0.851546,0.000000,0.086718,0.003000,0.029368
-BB,0.000000,0.000000,0.000000,0.058824,0.470588,0.317647,0.035294,0.117647
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2014.csv b/data/real/SCI_2014.csv
deleted file mode 100644
index 09f6f49..0000000
--- a/data/real/SCI_2014.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.939655,0.060345,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.036379,0.918148,0.036379,0.000000,0.000000,0.000000,0.009095
-BBB,0.000000,0.000000,0.066620,0.731903,0.133357,0.065120,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.944444,0.050000,0.005556,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2015.csv b/data/real/SCI_2015.csv
deleted file mode 100644
index ff8303d..0000000
--- a/data/real/SCI_2015.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.981525,0.018475,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.921862,0.078138,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.037050,0.898114,0.046312,0.018525,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.855700,0.047600,0.093700,0.003000,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.800000,0.060000,0.006667,0.133333
-B,0.000000,0.000000,0.000000,0.000000,0.100072,0.679878,0.119978,0.100072
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.080058,0.663762,0.250180
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2016.csv b/data/real/SCI_2016.csv
deleted file mode 100644
index 08929cf..0000000
--- a/data/real/SCI_2016.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.983949,0.016051,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.973904,0.026096,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.142586,0.854418,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.842158,0.094705,0.010523,0.052614
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.743710,0.131243,0.125047
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.676804,0.297196
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2017.csv b/data/real/SCI_2017.csv
deleted file mode 100644
index e69f304..0000000
--- a/data/real/SCI_2017.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.950024,0.049976,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.111098,0.755567,0.133335,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.088878,0.905122,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2018.csv b/data/real/SCI_2018.csv
deleted file mode 100644
index 9f0b97b..0000000
--- a/data/real/SCI_2018.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.991929,0.008071,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.032657,0.956500,0.010844,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.052503,0.944502,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.110526,0.884498,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2019.csv b/data/real/SCI_2019.csv
deleted file mode 100644
index ad028a1..0000000
--- a/data/real/SCI_2019.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.982100,0.017900,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.992294,0.007706,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.021072,0.968392,0.010536,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.047548,0.901909,0.047548,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.884480,0.000000,0.004975,0.110545
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.765031,0.135005,0.099964
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.724090,0.249910
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2020.csv b/data/real/SCI_2020.csv
deleted file mode 100644
index 8121cdf..0000000
--- a/data/real/SCI_2020.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.983988,0.016012,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.027498,0.945004,0.027498,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.951575,0.045429,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2021.csv b/data/real/SCI_2021.csv
deleted file mode 100644
index d2466e1..0000000
--- a/data/real/SCI_2021.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.977474,0.022526,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.019239,0.980761,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.083249,0.913756,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.812465,0.140634,0.015626,0.031275
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.800028,0.141181,0.058791
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.863484,0.110516
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2022.csv b/data/real/SCI_2022.csv
deleted file mode 100644
index 3fef61f..0000000
--- a/data/real/SCI_2022.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.027531,0.972469,0.000000,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.961500,0.034650,0.003850,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2023.csv b/data/real/SCI_2023.csv
deleted file mode 100644
index 1ff6278..0000000
--- a/data/real/SCI_2023.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.993229,0.006771,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.980873,0.009563,0.000000,0.009563,0.000000,0.000000
-BBB,0.000000,0.000000,0.099850,0.897154,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.923000,0.069300,0.007700,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850000,0.150000,0.000000
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.974000,0.000000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2024.csv b/data/real/SCI_2024.csv
deleted file mode 100644
index cf6fc98..0000000
--- a/data/real/SCI_2024.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,0.967788,0.032212,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.013451,0.986549,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.000000,0.989715,0.010285,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.916625,0.075037,0.008337,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.000000,0.679952,0.119992,0.200056
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.020000,0.473860,0.500140
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real/SCI_2025.csv b/data/real/SCI_2025.csv
deleted file mode 100644
index 2fd4738..0000000
--- a/data/real/SCI_2025.csv
+++ /dev/null
@@ -1,9 +0,0 @@
-,AAA,AA,A,BBB,BB,B,CCC,D
-AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
-AA,0.000000,0.973016,0.026984,0.000000,0.000000,0.000000,0.000000,0.000000
-A,0.000000,0.009773,0.970572,0.019655,0.000000,0.000000,0.000000,0.000000
-BBB,0.000000,0.000000,0.000000,0.997004,0.000000,0.000000,0.002996,0.000000
-BB,0.000000,0.000000,0.000000,0.000000,0.995025,0.000000,0.004975,0.000000
-B,0.000000,0.000000,0.000000,0.000000,0.166667,0.425000,0.075000,0.333333
-CCC,0.000000,0.000000,0.001000,0.002000,0.003000,0.133333,0.260667,0.600000
-D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_1998.csv b/data/real_v2/AVG_1998.csv
new file mode 100644
index 0000000..16fc5b2
--- /dev/null
+++ b/data/real_v2/AVG_1998.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.576715,0.338615,0.084670,0.000000,0.000000,0.000000
+A,0.000000,0.000000,0.558401,0.439905,0.000000,0.000000,0.001694
+BBB,0.000000,0.000000,0.017374,0.694019,0.205669,0.072355,0.010583
+BB,0.000000,0.000000,0.000000,0.068283,0.515874,0.272203,0.143640
+B,0.000000,0.000000,0.000000,0.000000,0.044442,0.561128,0.394430
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_1999.csv b/data/real_v2/AVG_1999.csv
new file mode 100644
index 0000000..a7079c6
--- /dev/null
+++ b/data/real_v2/AVG_1999.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.833153,0.166667,0.000000,0.000000,0.000000,0.000000,0.000180
+AA,0.000000,0.933083,0.066667,0.000000,0.000000,0.000000,0.000250
+A,0.000000,0.061671,0.736238,0.117068,0.000000,0.083367,0.001657
+BBB,0.000000,0.000000,0.061712,0.790523,0.061392,0.075733,0.010639
+BB,0.000000,0.000000,0.000000,0.132042,0.780556,0.067587,0.019815
+B,0.000000,0.000000,0.000000,0.023801,0.090450,0.697614,0.188136
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2000.csv b/data/real_v2/AVG_2000.csv
new file mode 100644
index 0000000..9da6323
--- /dev/null
+++ b/data/real_v2/AVG_2000.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999818,0.000000,0.000000,0.000000,0.000000,0.000000,0.000182
+AA,0.014482,0.970531,0.014482,0.000000,0.000000,0.000000,0.000506
+A,0.000000,0.121874,0.815821,0.047328,0.013325,0.000000,0.001652
+BBB,0.000000,0.000000,0.056796,0.877283,0.055767,0.000000,0.010154
+BB,0.000000,0.000000,0.000000,0.075598,0.859688,0.031391,0.033323
+B,0.000000,0.000000,0.000000,0.000000,0.114805,0.786800,0.098395
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2001.csv b/data/real_v2/AVG_2001.csv
new file mode 100644
index 0000000..b2eeb7a
--- /dev/null
+++ b/data/real_v2/AVG_2001.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999594,0.000000,0.000000,0.000000,0.000000,0.000000,0.000406
+AA,0.061393,0.893062,0.030264,0.014482,0.000000,0.000000,0.000799
+A,0.000000,0.100866,0.860160,0.037238,0.000000,0.000000,0.001736
+BBB,0.000000,0.000000,0.067887,0.844886,0.060075,0.012198,0.014954
+BB,0.000000,0.000000,0.000000,0.062751,0.845112,0.042148,0.049989
+B,0.000000,0.000000,0.000000,0.000000,0.160363,0.660413,0.179224
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2002.csv b/data/real_v2/AVG_2002.csv
new file mode 100644
index 0000000..e78a774
--- /dev/null
+++ b/data/real_v2/AVG_2002.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999822,0.000000,0.000000,0.000000,0.000000,0.000000,0.000178
+AA,0.076293,0.851519,0.071357,0.000000,0.000000,0.000000,0.000831
+A,0.000000,0.114693,0.870532,0.013056,0.000000,0.000000,0.001719
+BBB,0.000000,0.000000,0.047149,0.902183,0.037742,0.000000,0.012925
+BB,0.000000,0.000000,0.000000,0.094675,0.725113,0.132275,0.047937
+B,0.000000,0.000000,0.000000,0.000000,0.080869,0.705528,0.213603
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2003.csv b/data/real_v2/AVG_2003.csv
new file mode 100644
index 0000000..a9c8f3c
--- /dev/null
+++ b/data/real_v2/AVG_2003.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999623,0.000000,0.000000,0.000000,0.000000,0.000000,0.000377
+AA,0.085783,0.799804,0.113638,0.000000,0.000000,0.000000,0.000775
+A,0.000000,0.026005,0.908793,0.049032,0.000000,0.014547,0.001623
+BBB,0.000000,0.000000,0.077388,0.891533,0.020185,0.000000,0.010894
+BB,0.000000,0.000000,0.011905,0.073811,0.735706,0.128565,0.050014
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.913226,0.086774
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2004.csv b/data/real_v2/AVG_2004.csv
new file mode 100644
index 0000000..bb63e49
--- /dev/null
+++ b/data/real_v2/AVG_2004.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999421,0.000000,0.000000,0.000000,0.000000,0.000000,0.000579
+AA,0.081663,0.884953,0.032542,0.000000,0.000000,0.000000,0.000842
+A,0.000000,0.105243,0.855610,0.037377,0.000000,0.000000,0.001770
+BBB,0.000000,0.000000,0.117345,0.848821,0.022715,0.000000,0.011119
+BB,0.000000,0.000000,0.000000,0.180925,0.580971,0.033318,0.204786
+B,0.000000,0.000000,0.000000,0.067996,0.025653,0.691059,0.215292
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2005.csv b/data/real_v2/AVG_2005.csv
new file mode 100644
index 0000000..7c93834
--- /dev/null
+++ b/data/real_v2/AVG_2005.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999457,0.000000,0.000000,0.000000,0.000000,0.000000,0.000543
+AA,0.027039,0.960219,0.011893,0.000000,0.000000,0.000000,0.000849
+A,0.000000,0.080582,0.899691,0.017936,0.000000,0.000000,0.001791
+BBB,0.000000,0.000000,0.112753,0.877154,0.000000,0.000000,0.010093
+BB,0.000000,0.000000,0.000000,0.170972,0.788720,0.016363,0.023944
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.834730,0.165270
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2006.csv b/data/real_v2/AVG_2006.csv
new file mode 100644
index 0000000..0de38b9
--- /dev/null
+++ b/data/real_v2/AVG_2006.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999644,0.000000,0.000000,0.000000,0.000000,0.000000,0.000356
+AA,0.039606,0.948886,0.010743,0.000000,0.000000,0.000000,0.000764
+A,0.000000,0.150281,0.848139,0.000000,0.000000,0.000000,0.001580
+BBB,0.000000,0.000000,0.098944,0.861139,0.009157,0.018314,0.012446
+BB,0.000000,0.000000,0.052306,0.112803,0.694598,0.114369,0.025923
+B,0.000000,0.000000,0.000000,0.000000,0.012747,0.953307,0.033946
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2007.csv b/data/real_v2/AVG_2007.csv
new file mode 100644
index 0000000..06e4e14
--- /dev/null
+++ b/data/real_v2/AVG_2007.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999485,0.000000,0.000000,0.000000,0.000000,0.000000,0.000515
+AA,0.033360,0.926329,0.039534,0.000000,0.000000,0.000000,0.000777
+A,0.000000,0.030383,0.949557,0.018161,0.000000,0.000000,0.001899
+BBB,0.000000,0.000000,0.153141,0.817738,0.019109,0.000000,0.010013
+BB,0.000000,0.000000,0.000000,0.000000,0.765429,0.202865,0.031706
+B,0.000000,0.000000,0.020575,0.000000,0.034926,0.882136,0.062364
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2008.csv b/data/real_v2/AVG_2008.csv
new file mode 100644
index 0000000..58235c8
--- /dev/null
+++ b/data/real_v2/AVG_2008.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999654,0.000000,0.000000,0.000000,0.000000,0.000000,0.000346
+AA,0.000000,0.969308,0.029932,0.000000,0.000000,0.000000,0.000760
+A,0.000000,0.031432,0.921828,0.045140,0.000000,0.000000,0.001601
+BBB,0.000000,0.000000,0.100712,0.788730,0.093978,0.000000,0.016580
+BB,0.000000,0.000000,0.000000,0.000000,0.832355,0.082881,0.084765
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.926002,0.073998
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2009.csv b/data/real_v2/AVG_2009.csv
new file mode 100644
index 0000000..51bf772
--- /dev/null
+++ b/data/real_v2/AVG_2009.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999480,0.000000,0.000000,0.000000,0.000000,0.000000,0.000520
+AA,0.009649,0.989604,0.000000,0.000000,0.000000,0.000000,0.000748
+A,0.000000,0.104282,0.874984,0.019158,0.000000,0.000000,0.001576
+BBB,0.000000,0.000000,0.067420,0.847866,0.000000,0.072487,0.012228
+BB,0.000000,0.000000,0.000000,0.000000,0.672167,0.183389,0.144445
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.868943,0.131057
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2010.csv b/data/real_v2/AVG_2010.csv
new file mode 100644
index 0000000..568cb28
--- /dev/null
+++ b/data/real_v2/AVG_2010.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999490,0.000000,0.000000,0.000000,0.000000,0.000000,0.000510
+AA,0.016599,0.982653,0.000000,0.000000,0.000000,0.000000,0.000747
+A,0.000000,0.076025,0.915166,0.007150,0.000000,0.000000,0.001659
+BBB,0.000000,0.000000,0.150027,0.739609,0.000000,0.097626,0.012738
+BB,0.000000,0.000000,0.000000,0.087367,0.758454,0.037027,0.117152
+B,0.000000,0.000000,0.000000,0.000000,0.042016,0.702267,0.255717
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2011.csv b/data/real_v2/AVG_2011.csv
new file mode 100644
index 0000000..d2dfcca
--- /dev/null
+++ b/data/real_v2/AVG_2011.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999660,0.000000,0.000000,0.000000,0.000000,0.000000,0.000340
+AA,0.000000,0.999255,0.000000,0.000000,0.000000,0.000000,0.000745
+A,0.000000,0.080763,0.911025,0.000000,0.000000,0.006626,0.001587
+BBB,0.000000,0.000000,0.056721,0.899728,0.020130,0.000000,0.023421
+BB,0.000000,0.000000,0.000000,0.000000,0.946936,0.000000,0.053064
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.850017,0.149983
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2012.csv b/data/real_v2/AVG_2012.csv
new file mode 100644
index 0000000..236c556
--- /dev/null
+++ b/data/real_v2/AVG_2012.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999658,0.000000,0.000000,0.000000,0.000000,0.000000,0.000342
+AA,0.000000,0.996055,0.003191,0.000000,0.000000,0.000000,0.000754
+A,0.000000,0.045282,0.890911,0.057354,0.000000,0.000000,0.006454
+BBB,0.000000,0.000000,0.044093,0.854763,0.078891,0.000000,0.022252
+BB,0.000000,0.000000,0.000000,0.000000,0.872318,0.046550,0.081132
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.620364,0.379636
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2013.csv b/data/real_v2/AVG_2013.csv
new file mode 100644
index 0000000..0011780
--- /dev/null
+++ b/data/real_v2/AVG_2013.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999825,0.000000,0.000000,0.000000,0.000000,0.000000,0.000175
+AA,0.006134,0.973323,0.019797,0.000000,0.000000,0.000000,0.000745
+A,0.000000,0.060975,0.894681,0.042767,0.000000,0.000000,0.001577
+BBB,0.000000,0.000000,0.025036,0.835241,0.000000,0.099481,0.040243
+BB,0.000000,0.000000,0.000000,0.019608,0.633854,0.267478,0.079061
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.898849,0.101151
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2014.csv b/data/real_v2/AVG_2014.csv
new file mode 100644
index 0000000..04a2b57
--- /dev/null
+++ b/data/real_v2/AVG_2014.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.982214,0.017269,0.000000,0.000000,0.000000,0.000000,0.000517
+AA,0.000000,0.934398,0.064860,0.000000,0.000000,0.000000,0.000742
+A,0.000000,0.042644,0.911134,0.039359,0.000000,0.000000,0.006863
+BBB,0.000000,0.000000,0.048934,0.753031,0.094754,0.082267,0.021013
+BB,0.000000,0.000000,0.000000,0.000000,0.884298,0.048719,0.066982
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.931108,0.068892
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2015.csv b/data/real_v2/AVG_2015.csv
new file mode 100644
index 0000000..3836a1d
--- /dev/null
+++ b/data/real_v2/AVG_2015.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.987232,0.012224,0.000000,0.000000,0.000000,0.000000,0.000544
+AA,0.000000,0.941719,0.057547,0.000000,0.000000,0.000000,0.000734
+A,0.000000,0.044630,0.889102,0.044018,0.020540,0.000000,0.001710
+BBB,0.000000,0.000000,0.000000,0.875778,0.058053,0.054868,0.011301
+BB,0.000000,0.000000,0.000000,0.000000,0.826121,0.073481,0.100399
+B,0.000000,0.000000,0.000000,0.000000,0.033357,0.819665,0.146978
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2016.csv b/data/real_v2/AVG_2016.csv
new file mode 100644
index 0000000..245ab2e
--- /dev/null
+++ b/data/real_v2/AVG_2016.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999484,0.000000,0.000000,0.000000,0.000000,0.000000,0.000516
+AA,0.000000,0.986124,0.013142,0.000000,0.000000,0.000000,0.000734
+A,0.000000,0.006441,0.967305,0.024658,0.000000,0.000000,0.001597
+BBB,0.000000,0.000000,0.103908,0.851404,0.033179,0.000000,0.011510
+BB,0.000000,0.000000,0.017561,0.000000,0.807022,0.122785,0.052632
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.890565,0.109435
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2017.csv b/data/real_v2/AVG_2017.csv
new file mode 100644
index 0000000..79b3e7c
--- /dev/null
+++ b/data/real_v2/AVG_2017.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999661,0.000000,0.000000,0.000000,0.000000,0.000000,0.000339
+AA,0.002489,0.996775,0.000000,0.000000,0.000000,0.000000,0.000736
+A,0.000000,0.006869,0.944079,0.047271,0.000000,0.000000,0.001782
+BBB,0.000000,0.000000,0.035633,0.952001,0.000000,0.000000,0.012367
+BB,0.000000,0.000000,0.000000,0.000000,0.934255,0.042471,0.023274
+B,0.000000,0.000000,0.000000,0.000000,0.035239,0.906300,0.058460
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2018.csv b/data/real_v2/AVG_2018.csv
new file mode 100644
index 0000000..18ddca9
--- /dev/null
+++ b/data/real_v2/AVG_2018.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.002560,0.989024,0.007664,0.000000,0.000000,0.000000,0.000752
+A,0.000000,0.031976,0.955626,0.010632,0.000000,0.000000,0.001766
+BBB,0.000000,0.000000,0.069339,0.916471,0.000000,0.000000,0.014191
+BB,0.000000,0.000000,0.000000,0.036186,0.895470,0.046550,0.021793
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.951458,0.048542
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2019.csv b/data/real_v2/AVG_2019.csv
new file mode 100644
index 0000000..3953ef9
--- /dev/null
+++ b/data/real_v2/AVG_2019.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.988297,0.011533,0.000000,0.000000,0.000000,0.000000,0.000169
+AA,0.000000,0.991779,0.007470,0.000000,0.000000,0.000000,0.000751
+A,0.000000,0.023290,0.955026,0.020028,0.000000,0.000000,0.001657
+BBB,0.000000,0.000000,0.056769,0.900917,0.031417,0.000000,0.010898
+BB,0.000000,0.000000,0.000000,0.000000,0.839737,0.088126,0.072138
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.854858,0.145142
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2020.csv b/data/real_v2/AVG_2020.csv
new file mode 100644
index 0000000..1c7c06b
--- /dev/null
+++ b/data/real_v2/AVG_2020.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999492,0.000000,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.000000,0.979560,0.019697,0.000000,0.000000,0.000000,0.000743
+A,0.000000,0.031319,0.948558,0.018531,0.000000,0.000000,0.001592
+BBB,0.000000,0.000000,0.000000,0.974538,0.015001,0.000000,0.010460
+BB,0.000000,0.000000,0.000000,0.000000,0.981982,0.000000,0.018018
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.950001,0.049999
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2021.csv b/data/real_v2/AVG_2021.csv
new file mode 100644
index 0000000..66fa65f
--- /dev/null
+++ b/data/real_v2/AVG_2021.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999483,0.000000,0.000000,0.000000,0.000000,0.000000,0.000517
+AA,0.000000,0.982452,0.016823,0.000000,0.000000,0.000000,0.000725
+A,0.000000,0.019672,0.978671,0.000000,0.000000,0.000000,0.001657
+BBB,0.000000,0.000000,0.045322,0.944085,0.000000,0.000000,0.010593
+BB,0.000000,0.000000,0.000000,0.000000,0.893078,0.085272,0.021650
+B,0.000000,0.000000,0.000000,0.000000,0.035528,0.910028,0.054444
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2022.csv b/data/real_v2/AVG_2022.csv
new file mode 100644
index 0000000..0c4d2db
--- /dev/null
+++ b/data/real_v2/AVG_2022.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999653,0.000000,0.000000,0.000000,0.000000,0.000000,0.000347
+AA,0.000000,0.988162,0.011103,0.000000,0.000000,0.000000,0.000734
+A,0.000000,0.023963,0.971352,0.003024,0.000000,0.000000,0.001661
+BBB,0.000000,0.000000,0.056005,0.925617,0.007683,0.000000,0.010695
+BB,0.000000,0.000000,0.000000,0.006403,0.927293,0.054591,0.011713
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.937747,0.062253
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2023.csv b/data/real_v2/AVG_2023.csv
new file mode 100644
index 0000000..d988e8f
--- /dev/null
+++ b/data/real_v2/AVG_2023.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.984881,0.014939,0.000000,0.000000,0.000000,0.000000,0.000180
+AA,0.012431,0.966915,0.019160,0.000345,0.000192,0.000192,0.000764
+A,0.000000,0.046798,0.924098,0.017846,0.000981,0.008184,0.002094
+BBB,0.000000,0.000324,0.121507,0.834928,0.015282,0.011934,0.016026
+BB,0.000000,0.000000,0.007813,0.059788,0.738123,0.096016,0.098260
+B,0.000000,0.000000,0.000000,0.009755,0.004878,0.747686,0.237681
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2024.csv b/data/real_v2/AVG_2024.csv
new file mode 100644
index 0000000..8cb98ad
--- /dev/null
+++ b/data/real_v2/AVG_2024.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.988755,0.010732,0.000000,0.000000,0.000000,0.000000,0.000513
+AA,0.009172,0.985613,0.004488,0.000000,0.000000,0.000000,0.000727
+A,0.000000,0.002856,0.986074,0.009322,0.000000,0.000000,0.001748
+BBB,0.000000,0.000000,0.000000,0.977458,0.010647,0.000000,0.011896
+BB,0.000000,0.000000,0.000000,0.018718,0.899084,0.057865,0.024333
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.880364,0.119636
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/AVG_2025.csv b/data/real_v2/AVG_2025.csv
new file mode 100644
index 0000000..ea6003c
--- /dev/null
+++ b/data/real_v2/AVG_2025.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.996879,0.002609,0.000000,0.000000,0.000000,0.000000,0.000512
+AA,0.005305,0.971124,0.022690,0.000140,0.000000,0.000000,0.000741
+A,0.000000,0.018685,0.959782,0.018699,0.000442,0.000737,0.001655
+BBB,0.000000,0.000000,0.053864,0.919788,0.010295,0.005265,0.010788
+BB,0.000000,0.000000,0.000961,0.018349,0.867660,0.080888,0.032142
+B,0.000000,0.000000,0.000000,0.001442,0.059834,0.762310,0.176413
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_1998.csv b/data/real_v2/KR_1998.csv
new file mode 100644
index 0000000..62baea6
--- /dev/null
+++ b/data/real_v2/KR_1998.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.444444,0.444444,0.111111,0.000000,0.000000,0.000000
+A,0.000000,0.000000,0.635247,0.362982,0.000000,0.000000,0.001771
+BBB,0.000000,0.000000,0.052123,0.781841,0.104245,0.052123,0.009668
+BB,0.000000,0.000000,0.000000,0.107188,0.464290,0.285682,0.142841
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.500000,0.500000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_1999.csv b/data/real_v2/KR_1999.csv
new file mode 100644
index 0000000..6a4dda6
--- /dev/null
+++ b/data/real_v2/KR_1999.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.500000,0.500000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.800000,0.200000,0.000000,0.000000,0.000000,0.000000
+A,0.000000,0.078330,0.704756,0.136998,0.000000,0.078330,0.001587
+BBB,0.000000,0.000000,0.039593,0.844461,0.039593,0.065951,0.010402
+BB,0.000000,0.000000,0.000000,0.173092,0.720955,0.086485,0.019468
+B,0.000000,0.000000,0.000000,0.071403,0.071403,0.642866,0.214329
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2000.csv b/data/real_v2/KR_2000.csv
new file mode 100644
index 0000000..230beb6
--- /dev/null
+++ b/data/real_v2/KR_2000.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.999247,0.000000,0.000000,0.000000,0.000000,0.000753
+A,0.000000,0.081527,0.855758,0.040708,0.020354,0.000000,0.001652
+BBB,0.000000,0.000000,0.078805,0.858224,0.052574,0.000000,0.010396
+BB,0.000000,0.000000,0.000000,0.064964,0.844180,0.051902,0.038955
+B,0.000000,0.000000,0.000000,0.000000,0.083322,0.791628,0.125050
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2001.csv b/data/real_v2/KR_2001.csv
new file mode 100644
index 0000000..28f7314
--- /dev/null
+++ b/data/real_v2/KR_2001.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.049942,0.949320,0.000000,0.000000,0.000000,0.000000,0.000738
+A,0.000000,0.106170,0.828416,0.063724,0.000000,0.000000,0.001691
+BBB,0.000000,0.000000,0.030564,0.877612,0.061259,0.010188,0.020376
+BB,0.000000,0.000000,0.000000,0.095284,0.857173,0.027206,0.020337
+B,0.000000,0.000000,0.000000,0.000000,0.076950,0.769149,0.153901
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2002.csv b/data/real_v2/KR_2002.csv
new file mode 100644
index 0000000..ddb116b
--- /dev/null
+++ b/data/real_v2/KR_2002.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.083303,0.915848,0.000000,0.000000,0.000000,0.000000,0.000849
+A,0.000000,0.101881,0.896467,0.000000,0.000000,0.000000,0.001652
+BBB,0.000000,0.000000,0.056380,0.902225,0.028190,0.000000,0.013204
+BB,0.000000,0.000000,0.000000,0.114754,0.721311,0.131148,0.032787
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.785669,0.214331
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2003.csv b/data/real_v2/KR_2003.csv
new file mode 100644
index 0000000..c459a76
--- /dev/null
+++ b/data/real_v2/KR_2003.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.128922,0.676947,0.193383,0.000000,0.000000,0.000000,0.000748
+A,0.000000,0.020392,0.937141,0.040784,0.000000,0.000000,0.001682
+BBB,0.000000,0.000000,0.052759,0.910283,0.026436,0.000000,0.010523
+BB,0.000000,0.000000,0.035714,0.107143,0.607143,0.214286,0.035714
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.923012,0.076988
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2004.csv b/data/real_v2/KR_2004.csv
new file mode 100644
index 0000000..8893108
--- /dev/null
+++ b/data/real_v2/KR_2004.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999443,0.000000,0.000000,0.000000,0.000000,0.000000,0.000557
+AA,0.049983,0.949209,0.000000,0.000000,0.000000,0.000000,0.000808
+A,0.000000,0.134406,0.825309,0.038384,0.000000,0.000000,0.001902
+BBB,0.000000,0.000000,0.083640,0.891822,0.013940,0.000000,0.010597
+BB,0.000000,0.000000,0.000000,0.200000,0.450000,0.050000,0.300000
+B,0.000000,0.000000,0.000000,0.055556,0.000000,0.666667,0.277778
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2005.csv b/data/real_v2/KR_2005.csv
new file mode 100644
index 0000000..b7e92c6
--- /dev/null
+++ b/data/real_v2/KR_2005.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999445,0.000000,0.000000,0.000000,0.000000,0.000000,0.000555
+AA,0.045436,0.953637,0.000000,0.000000,0.000000,0.000000,0.000927
+A,0.000000,0.094130,0.866336,0.037724,0.000000,0.000000,0.001810
+BBB,0.000000,0.000000,0.104804,0.885258,0.000000,0.000000,0.009938
+BB,0.000000,0.000000,0.000000,0.147150,0.784840,0.049089,0.018920
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.750000,0.250000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2006.csv b/data/real_v2/KR_2006.csv
new file mode 100644
index 0000000..37da41b
--- /dev/null
+++ b/data/real_v2/KR_2006.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999449,0.000000,0.000000,0.000000,0.000000,0.000000,0.000551
+AA,0.032230,0.934791,0.032230,0.000000,0.000000,0.000000,0.000748
+A,0.000000,0.146789,0.851646,0.000000,0.000000,0.000000,0.001565
+BBB,0.000000,0.000000,0.082392,0.870592,0.011754,0.023508,0.011754
+BB,0.000000,0.000000,0.058847,0.058847,0.647051,0.176407,0.058847
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.941198,0.058802
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2007.csv b/data/real_v2/KR_2007.csv
new file mode 100644
index 0000000..273822c
--- /dev/null
+++ b/data/real_v2/KR_2007.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999485,0.000000,0.000000,0.000000,0.000000,0.000000,0.000515
+AA,0.076879,0.896739,0.025589,0.000000,0.000000,0.000000,0.000793
+A,0.000000,0.036999,0.942560,0.018499,0.000000,0.000000,0.001943
+BBB,0.000000,0.000000,0.156948,0.821083,0.012114,0.000000,0.009855
+BB,0.000000,0.000000,0.000000,0.000000,0.693633,0.277381,0.028986
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.944135,0.055865
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2008.csv b/data/real_v2/KR_2008.csv
new file mode 100644
index 0000000..0df0abe
--- /dev/null
+++ b/data/real_v2/KR_2008.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999486,0.000000,0.000000,0.000000,0.000000,0.000000,0.000514
+AA,0.000000,0.954843,0.044391,0.000000,0.000000,0.000000,0.000766
+A,0.000000,0.040518,0.944431,0.013471,0.000000,0.000000,0.001580
+BBB,0.000000,0.000000,0.108382,0.813100,0.067710,0.000000,0.010808
+BB,0.000000,0.000000,0.000000,0.000000,0.849962,0.050049,0.099989
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.894743,0.105257
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2009.csv b/data/real_v2/KR_2009.csv
new file mode 100644
index 0000000..40234a6
--- /dev/null
+++ b/data/real_v2/KR_2009.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999475,0.000000,0.000000,0.000000,0.000000,0.000000,0.000525
+AA,0.000000,0.999259,0.000000,0.000000,0.000000,0.000000,0.000741
+A,0.000000,0.102069,0.873612,0.022718,0.000000,0.000000,0.001602
+BBB,0.000000,0.000000,0.042055,0.861308,0.000000,0.083973,0.012663
+BB,0.000000,0.000000,0.000000,0.000000,0.733252,0.133374,0.133374
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.870918,0.129082
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2010.csv b/data/real_v2/KR_2010.csv
new file mode 100644
index 0000000..360f10b
--- /dev/null
+++ b/data/real_v2/KR_2010.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999490,0.000000,0.000000,0.000000,0.000000,0.000000,0.000510
+AA,0.037490,0.961754,0.000000,0.000000,0.000000,0.000000,0.000756
+A,0.000000,0.087767,0.910585,0.000000,0.000000,0.000000,0.001647
+BBB,0.000000,0.000000,0.203256,0.696994,0.000000,0.087090,0.012660
+BB,0.000000,0.000000,0.000000,0.000000,0.777833,0.000000,0.222167
+B,0.000000,0.000000,0.000000,0.000000,0.038422,0.807719,0.153859
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2011.csv b/data/real_v2/KR_2011.csv
new file mode 100644
index 0000000..6ab92a4
--- /dev/null
+++ b/data/real_v2/KR_2011.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.999259,0.000000,0.000000,0.000000,0.000000,0.000741
+A,0.000000,0.073300,0.925132,0.000000,0.000000,0.000000,0.001568
+BBB,0.000000,0.000000,0.049496,0.940632,0.000000,0.000000,0.009872
+BB,0.000000,0.000000,0.000000,0.000000,0.977995,0.000000,0.022005
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.800000,0.200000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2012.csv b/data/real_v2/KR_2012.csv
new file mode 100644
index 0000000..f5e5b85
--- /dev/null
+++ b/data/real_v2/KR_2012.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999482,0.000000,0.000000,0.000000,0.000000,0.000000,0.000518
+AA,0.000000,0.999235,0.000000,0.000000,0.000000,0.000000,0.000765
+A,0.000000,0.044629,0.892891,0.053554,0.000000,0.000000,0.008926
+BBB,0.000000,0.000000,0.044044,0.880146,0.066014,0.000000,0.009796
+BB,0.000000,0.000000,0.000000,0.000000,0.979020,0.000000,0.020980
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.444460,0.555540
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2013.csv b/data/real_v2/KR_2013.csv
new file mode 100644
index 0000000..4ed0311
--- /dev/null
+++ b/data/real_v2/KR_2013.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.009257,0.980737,0.009257,0.000000,0.000000,0.000000,0.000749
+A,0.000000,0.046650,0.914383,0.037342,0.000000,0.000000,0.001625
+BBB,0.000000,0.000000,0.021327,0.872275,0.000000,0.063863,0.042535
+BB,0.000000,0.000000,0.000000,0.000000,0.703690,0.222264,0.074046
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.909100,0.090900
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2014.csv b/data/real_v2/KR_2014.csv
new file mode 100644
index 0000000..d7774db
--- /dev/null
+++ b/data/real_v2/KR_2014.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.983345,0.016147,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.000000,0.932074,0.067181,0.000000,0.000000,0.000000,0.000744
+A,0.000000,0.042076,0.914206,0.042076,0.000000,0.000000,0.001641
+BBB,0.000000,0.000000,0.023774,0.762030,0.095211,0.095211,0.023774
+BB,0.000000,0.000000,0.000000,0.000000,0.850007,0.049953,0.100041
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.928504,0.071496
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2015.csv b/data/real_v2/KR_2015.csv
new file mode 100644
index 0000000..850fd2f
--- /dev/null
+++ b/data/real_v2/KR_2015.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.981247,0.018208,0.000000,0.000000,0.000000,0.000000,0.000545
+AA,0.000000,0.934804,0.064476,0.000000,0.000000,0.000000,0.000720
+A,0.000000,0.044333,0.898536,0.033249,0.022166,0.000000,0.001716
+BBB,0.000000,0.000000,0.000000,0.933198,0.056574,0.000000,0.010228
+BB,0.000000,0.000000,0.000000,0.000000,0.769245,0.153775,0.076980
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.909138,0.090862
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2016.csv b/data/real_v2/KR_2016.csv
new file mode 100644
index 0000000..283d92e
--- /dev/null
+++ b/data/real_v2/KR_2016.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999481,0.000000,0.000000,0.000000,0.000000,0.000000,0.000519
+AA,0.000000,0.983435,0.015823,0.000000,0.000000,0.000000,0.000742
+A,0.000000,0.010048,0.968144,0.020203,0.000000,0.000000,0.001605
+BBB,0.000000,0.000000,0.084814,0.848674,0.056542,0.000000,0.009969
+BB,0.000000,0.000000,0.000000,0.000000,0.789500,0.157900,0.052600
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.846214,0.153786
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2017.csv b/data/real_v2/KR_2017.csv
new file mode 100644
index 0000000..8852996
--- /dev/null
+++ b/data/real_v2/KR_2017.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999491,0.000000,0.000000,0.000000,0.000000,0.000000,0.000509
+AA,0.000000,0.999286,0.000000,0.000000,0.000000,0.000000,0.000714
+A,0.000000,0.011102,0.942660,0.044406,0.000000,0.000000,0.001832
+BBB,0.000000,0.000000,0.041136,0.946272,0.000000,0.000000,0.012591
+BB,0.000000,0.000000,0.000000,0.000000,0.921949,0.057677,0.020374
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.928571,0.071429
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2018.csv b/data/real_v2/KR_2018.csv
new file mode 100644
index 0000000..02ae99a
--- /dev/null
+++ b/data/real_v2/KR_2018.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.007680,0.983911,0.007680,0.000000,0.000000,0.000000,0.000730
+A,0.000000,0.032194,0.955430,0.010731,0.000000,0.000000,0.001644
+BBB,0.000000,0.000000,0.085802,0.901066,0.000000,0.000000,0.013131
+BB,0.000000,0.000000,0.000000,0.000000,0.837904,0.139651,0.022445
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.953670,0.046330
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2019.csv b/data/real_v2/KR_2019.csv
new file mode 100644
index 0000000..18fdbff
--- /dev/null
+++ b/data/real_v2/KR_2019.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.983300,0.016700,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.999259,0.000000,0.000000,0.000000,0.000000,0.000741
+A,0.000000,0.020325,0.947474,0.030595,0.000000,0.000000,0.001606
+BBB,0.000000,0.000000,0.047152,0.895209,0.047152,0.000000,0.010487
+BB,0.000000,0.000000,0.000000,0.000000,0.880236,0.097758,0.022005
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.875044,0.124956
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2020.csv b/data/real_v2/KR_2020.csv
new file mode 100644
index 0000000..f5970b6
--- /dev/null
+++ b/data/real_v2/KR_2020.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999492,0.000000,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.000000,0.977095,0.022176,0.000000,0.000000,0.000000,0.000729
+A,0.000000,0.048004,0.940797,0.009642,0.000000,0.000000,0.001557
+BBB,0.000000,0.000000,0.000000,0.989720,0.000000,0.000000,0.010280
+BB,0.000000,0.000000,0.000000,0.000000,0.982240,0.000000,0.017760
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.900026,0.099974
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2021.csv b/data/real_v2/KR_2021.csv
new file mode 100644
index 0000000..1dd68b3
--- /dev/null
+++ b/data/real_v2/KR_2021.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999475,0.000000,0.000000,0.000000,0.000000,0.000000,0.000525
+AA,0.000000,0.992240,0.007042,0.000000,0.000000,0.000000,0.000718
+A,0.000000,0.020189,0.978146,0.000000,0.000000,0.000000,0.001666
+BBB,0.000000,0.000000,0.053517,0.936556,0.000000,0.000000,0.009927
+BB,0.000000,0.000000,0.000000,0.000000,0.950993,0.031685,0.017322
+B,0.000000,0.000000,0.000000,0.000000,0.058847,0.882305,0.058847
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2022.csv b/data/real_v2/KR_2022.csv
new file mode 100644
index 0000000..b484232
--- /dev/null
+++ b/data/real_v2/KR_2022.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999484,0.000000,0.000000,0.000000,0.000000,0.000000,0.000516
+AA,0.000000,0.979025,0.020248,0.000000,0.000000,0.000000,0.000727
+A,0.000000,0.018144,0.971162,0.009072,0.000000,0.000000,0.001622
+BBB,0.000000,0.000000,0.069035,0.897883,0.023048,0.000000,0.010035
+BB,0.000000,0.000000,0.000000,0.000000,0.896069,0.086741,0.017190
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.939544,0.060456
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2023.csv b/data/real_v2/KR_2023.csv
new file mode 100644
index 0000000..0bbefb7
--- /dev/null
+++ b/data/real_v2/KR_2023.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.985443,0.014018,0.000000,0.000000,0.000000,0.000000,0.000539
+AA,0.024295,0.928494,0.044214,0.001036,0.000576,0.000576,0.000810
+A,0.000000,0.140393,0.803316,0.043990,0.002942,0.006418,0.002942
+BBB,0.000000,0.000972,0.210919,0.685566,0.045845,0.035801,0.020897
+BB,0.000000,0.000000,0.023439,0.179363,0.441274,0.152866,0.203057
+B,0.000000,0.000000,0.000000,0.029265,0.014633,0.431507,0.524595
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2024.csv b/data/real_v2/KR_2024.csv
new file mode 100644
index 0000000..cedf4b5
--- /dev/null
+++ b/data/real_v2/KR_2024.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999475,0.000000,0.000000,0.000000,0.000000,0.000000,0.000525
+AA,0.014076,0.978215,0.006987,0.000000,0.000000,0.000000,0.000723
+A,0.000000,0.000000,0.989112,0.009130,0.000000,0.000000,0.001758
+BBB,0.000000,0.000000,0.000000,0.957404,0.031940,0.000000,0.010656
+BB,0.000000,0.000000,0.000000,0.000000,0.928580,0.035710,0.035710
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.941123,0.058877
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/KR_2025.csv b/data/real_v2/KR_2025.csv
new file mode 100644
index 0000000..ce2c9c9
--- /dev/null
+++ b/data/real_v2/KR_2025.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.995162,0.004324,0.000000,0.000000,0.000000,0.000000,0.000515
+AA,0.008632,0.969786,0.020421,0.000421,0.000000,0.000000,0.000741
+A,0.000000,0.046298,0.920993,0.027514,0.001326,0.002210,0.001659
+BBB,0.000000,0.000000,0.067269,0.875202,0.030885,0.015794,0.010850
+BB,0.000000,0.000000,0.002883,0.055046,0.796592,0.097510,0.047969
+B,0.000000,0.000000,0.000000,0.004327,0.012835,0.850303,0.132535
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_1998.csv b/data/real_v2/NICE_1998.csv
new file mode 100644
index 0000000..5d2ef54
--- /dev/null
+++ b/data/real_v2/NICE_1998.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+A,0.000000,0.000000,0.499188,0.499188,0.000000,0.000000,0.001624
+BBB,0.000000,0.000000,0.000000,0.586115,0.293058,0.109955,0.010872
+BB,0.000000,0.000000,0.000000,0.050023,0.750000,0.149954,0.050023
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.583360,0.416640
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_1999.csv b/data/real_v2/NICE_1999.csv
new file mode 100644
index 0000000..26c9f69
--- /dev/null
+++ b/data/real_v2/NICE_1999.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999459,0.000000,0.000000,0.000000,0.000000,0.000000,0.000541
+AA,0.000000,0.999250,0.000000,0.000000,0.000000,0.000000,0.000750
+A,0.000000,0.021696,0.803076,0.086783,0.000000,0.086783,0.001662
+BBB,0.000000,0.000000,0.078530,0.722364,0.094236,0.094236,0.010632
+BB,0.000000,0.000000,0.000000,0.100606,0.804968,0.075425,0.019001
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.749963,0.250037
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2000.csv b/data/real_v2/NICE_2000.csv
new file mode 100644
index 0000000..91d82ef
--- /dev/null
+++ b/data/real_v2/NICE_2000.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.043445,0.912346,0.043445,0.000000,0.000000,0.000000,0.000764
+A,0.000000,0.156637,0.763344,0.058753,0.019621,0.000000,0.001646
+BBB,0.000000,0.000000,0.056194,0.866145,0.067541,0.000000,0.010120
+BB,0.000000,0.000000,0.000000,0.112645,0.816860,0.042272,0.028222
+B,0.000000,0.000000,0.000000,0.000000,0.155851,0.779255,0.064893
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2001.csv b/data/real_v2/NICE_2001.csv
new file mode 100644
index 0000000..2cc86a9
--- /dev/null
+++ b/data/real_v2/NICE_2001.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999393,0.000000,0.000000,0.000000,0.000000,0.000000,0.000607
+AA,0.090793,0.817519,0.090793,0.000000,0.000000,0.000000,0.000895
+A,0.000000,0.065087,0.911555,0.021696,0.000000,0.000000,0.001662
+BBB,0.000000,0.000000,0.051241,0.871896,0.051241,0.012810,0.012810
+BB,0.000000,0.000000,0.000000,0.075724,0.833355,0.030264,0.060657
+B,0.000000,0.000000,0.000000,0.000000,0.181865,0.545423,0.272712
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2002.csv b/data/real_v2/NICE_2002.csv
new file mode 100644
index 0000000..087e0d9
--- /dev/null
+++ b/data/real_v2/NICE_2002.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.107091,0.678059,0.214072,0.000000,0.000000,0.000000,0.000778
+A,0.000000,0.117393,0.841733,0.039169,0.000000,0.000000,0.001705
+BBB,0.000000,0.000000,0.051019,0.901142,0.033963,0.000000,0.013876
+BB,0.000000,0.000000,0.000000,0.081633,0.734694,0.142857,0.040816
+B,0.000000,0.000000,0.000000,0.000000,0.125000,0.625000,0.250000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2003.csv b/data/real_v2/NICE_2003.csv
new file mode 100644
index 0000000..1229292
--- /dev/null
+++ b/data/real_v2/NICE_2003.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999395,0.000000,0.000000,0.000000,0.000000,0.000000,0.000605
+AA,0.095124,0.856454,0.047619,0.000000,0.000000,0.000000,0.000803
+A,0.000000,0.057622,0.863899,0.057622,0.000000,0.019243,0.001614
+BBB,0.000000,0.000000,0.094228,0.894996,0.000000,0.000000,0.010776
+BB,0.000000,0.000000,0.000000,0.057169,0.799974,0.057169,0.085688
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.916667,0.083333
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2004.csv b/data/real_v2/NICE_2004.csv
new file mode 100644
index 0000000..a9feabe
--- /dev/null
+++ b/data/real_v2/NICE_2004.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999395,0.000000,0.000000,0.000000,0.000000,0.000000,0.000605
+AA,0.095124,0.856454,0.047619,0.000000,0.000000,0.000000,0.000803
+A,0.000000,0.101484,0.862960,0.033828,0.000000,0.000000,0.001728
+BBB,0.000000,0.000000,0.097292,0.875387,0.016195,0.000000,0.011126
+BB,0.000000,0.000000,0.000000,0.142804,0.642897,0.000000,0.214299
+B,0.000000,0.000000,0.000000,0.076959,0.076959,0.692281,0.153802
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2005.csv b/data/real_v2/NICE_2005.csv
new file mode 100644
index 0000000..364de02
--- /dev/null
+++ b/data/real_v2/NICE_2005.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999445,0.000000,0.000000,0.000000,0.000000,0.000000,0.000555
+AA,0.035680,0.927810,0.035680,0.000000,0.000000,0.000000,0.000829
+A,0.000000,0.083166,0.915060,0.000000,0.000000,0.000000,0.001774
+BBB,0.000000,0.000000,0.082449,0.907477,0.000000,0.000000,0.010075
+BB,0.000000,0.000000,0.000000,0.150487,0.827744,0.000000,0.021770
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.851877,0.148123
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2006.csv b/data/real_v2/NICE_2006.csv
new file mode 100644
index 0000000..0cfc25c
--- /dev/null
+++ b/data/real_v2/NICE_2006.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.027765,0.971434,0.000000,0.000000,0.000000,0.000000,0.000801
+A,0.000000,0.153639,0.844746,0.000000,0.000000,0.000000,0.001614
+BBB,0.000000,0.000000,0.151571,0.833333,0.000000,0.000000,0.015096
+BB,0.000000,0.000000,0.000000,0.083300,0.750000,0.166700,0.000000
+B,0.000000,0.000000,0.000000,0.000000,0.038241,0.918724,0.043035
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2007.csv b/data/real_v2/NICE_2007.csv
new file mode 100644
index 0000000..44ba35d
--- /dev/null
+++ b/data/real_v2/NICE_2007.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999485,0.000000,0.000000,0.000000,0.000000,0.000000,0.000515
+AA,0.000000,0.952749,0.046499,0.000000,0.000000,0.000000,0.000752
+A,0.000000,0.017818,0.962544,0.017818,0.000000,0.000000,0.001820
+BBB,0.000000,0.000000,0.134950,0.824793,0.029964,0.000000,0.010293
+BB,0.000000,0.000000,0.000000,0.000000,0.832323,0.138690,0.028986
+B,0.000000,0.000000,0.061724,0.000000,0.000000,0.863781,0.074495
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2008.csv b/data/real_v2/NICE_2008.csv
new file mode 100644
index 0000000..f7cf1ef
--- /dev/null
+++ b/data/real_v2/NICE_2008.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999475,0.000000,0.000000,0.000000,0.000000,0.000000,0.000525
+AA,0.000000,0.999268,0.000000,0.000000,0.000000,0.000000,0.000732
+A,0.000000,0.039896,0.891954,0.066530,0.000000,0.000000,0.001619
+BBB,0.000000,0.000000,0.115338,0.788466,0.076932,0.000000,0.019263
+BB,0.000000,0.000000,0.000000,0.000000,0.913752,0.065268,0.020980
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.952192,0.047808
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2009.csv b/data/real_v2/NICE_2009.csv
new file mode 100644
index 0000000..ec52f27
--- /dev/null
+++ b/data/real_v2/NICE_2009.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999489,0.000000,0.000000,0.000000,0.000000,0.000000,0.000511
+AA,0.028946,0.970280,0.000000,0.000000,0.000000,0.000000,0.000774
+A,0.000000,0.112188,0.863821,0.022458,0.000000,0.000000,0.001533
+BBB,0.000000,0.000000,0.106754,0.827736,0.000000,0.053377,0.012133
+BB,0.000000,0.000000,0.000000,0.000000,0.749954,0.083410,0.166636
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.857143,0.142857
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2010.csv b/data/real_v2/NICE_2010.csv
new file mode 100644
index 0000000..7a58ac2
--- /dev/null
+++ b/data/real_v2/NICE_2010.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999490,0.000000,0.000000,0.000000,0.000000,0.000000,0.000510
+AA,0.000000,0.999261,0.000000,0.000000,0.000000,0.000000,0.000739
+A,0.000000,0.064463,0.912427,0.021451,0.000000,0.000000,0.001660
+BBB,0.000000,0.000000,0.123257,0.780426,0.000000,0.082222,0.014095
+BB,0.000000,0.000000,0.000000,0.151019,0.830773,0.000000,0.018209
+B,0.000000,0.000000,0.000000,0.000000,0.047675,0.619041,0.333284
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2011.csv b/data/real_v2/NICE_2011.csv
new file mode 100644
index 0000000..edf468f
--- /dev/null
+++ b/data/real_v2/NICE_2011.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999490,0.000000,0.000000,0.000000,0.000000,0.000000,0.000510
+AA,0.000000,0.999261,0.000000,0.000000,0.000000,0.000000,0.000739
+A,0.000000,0.069179,0.919290,0.000000,0.000000,0.009928,0.001603
+BBB,0.000000,0.000000,0.054054,0.891892,0.027027,0.000000,0.027027
+BB,0.000000,0.000000,0.000000,0.000000,0.973912,0.000000,0.026088
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.875014,0.124986
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2012.csv b/data/real_v2/NICE_2012.csv
new file mode 100644
index 0000000..f62a309
--- /dev/null
+++ b/data/real_v2/NICE_2012.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.989709,0.009574,0.000000,0.000000,0.000000,0.000717
+A,0.000000,0.044609,0.884037,0.062474,0.000000,0.000000,0.008880
+BBB,0.000000,0.000000,0.025686,0.871679,0.076949,0.000000,0.025686
+BB,0.000000,0.000000,0.000000,0.000000,0.800030,0.000000,0.199970
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.749965,0.250035
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2013.csv b/data/real_v2/NICE_2013.csv
new file mode 100644
index 0000000..f37d1c5
--- /dev/null
+++ b/data/real_v2/NICE_2013.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999475,0.000000,0.000000,0.000000,0.000000,0.000000,0.000525
+AA,0.000000,0.958273,0.040989,0.000000,0.000000,0.000000,0.000738
+A,0.000000,0.073284,0.870198,0.054963,0.000000,0.000000,0.001554
+BBB,0.000000,0.000000,0.024413,0.780401,0.000000,0.146361,0.048825
+BB,0.000000,0.000000,0.000000,0.000000,0.727283,0.227228,0.045489
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.857165,0.142835
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2014.csv b/data/real_v2/NICE_2014.csv
new file mode 100644
index 0000000..5dc2264
--- /dev/null
+++ b/data/real_v2/NICE_2014.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.963804,0.035661,0.000000,0.000000,0.000000,0.000000,0.000535
+AA,0.000000,0.932177,0.067099,0.000000,0.000000,0.000000,0.000724
+A,0.000000,0.049476,0.901049,0.039623,0.000000,0.000000,0.009853
+BBB,0.000000,0.000000,0.057122,0.771511,0.057122,0.085683,0.028561
+BB,0.000000,0.000000,0.000000,0.000000,0.875014,0.041624,0.083361
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.928610,0.071390
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2015.csv b/data/real_v2/NICE_2015.csv
new file mode 100644
index 0000000..4ad6f52
--- /dev/null
+++ b/data/real_v2/NICE_2015.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999451,0.000000,0.000000,0.000000,0.000000,0.000000,0.000549
+AA,0.000000,0.969166,0.030083,0.000000,0.000000,0.000000,0.000751
+A,0.000000,0.052571,0.872178,0.052571,0.020960,0.000000,0.001720
+BBB,0.000000,0.000000,0.000000,0.847407,0.070566,0.070566,0.011461
+BB,0.000000,0.000000,0.000000,0.000000,0.909117,0.000000,0.090883
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.750000,0.250000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2016.csv b/data/real_v2/NICE_2016.csv
new file mode 100644
index 0000000..f88ca50
--- /dev/null
+++ b/data/real_v2/NICE_2016.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999491,0.000000,0.000000,0.000000,0.000000,0.000000,0.000509
+AA,0.000000,0.991718,0.007563,0.000000,0.000000,0.000000,0.000719
+A,0.000000,0.009274,0.961427,0.027716,0.000000,0.000000,0.001582
+BBB,0.000000,0.000000,0.085854,0.858807,0.042994,0.000000,0.012345
+BB,0.000000,0.000000,0.052682,0.000000,0.789409,0.105227,0.052682
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.950527,0.049473
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2017.csv b/data/real_v2/NICE_2017.csv
new file mode 100644
index 0000000..5eaa250
--- /dev/null
+++ b/data/real_v2/NICE_2017.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.007468,0.991792,0.000000,0.000000,0.000000,0.000000,0.000740
+A,0.000000,0.009504,0.941275,0.047522,0.000000,0.000000,0.001699
+BBB,0.000000,0.000000,0.065762,0.920217,0.000000,0.000000,0.014021
+BB,0.000000,0.000000,0.000000,0.000000,0.905633,0.069735,0.024633
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.944474,0.055526
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2018.csv b/data/real_v2/NICE_2018.csv
new file mode 100644
index 0000000..c82a217
--- /dev/null
+++ b/data/real_v2/NICE_2018.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.992013,0.007248,0.000000,0.000000,0.000000,0.000739
+A,0.000000,0.031140,0.956755,0.010341,0.000000,0.000000,0.001765
+BBB,0.000000,0.000000,0.070391,0.914601,0.000000,0.000000,0.015008
+BB,0.000000,0.000000,0.000000,0.000000,0.979755,0.000000,0.020245
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.953302,0.046698
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2019.csv b/data/real_v2/NICE_2019.csv
new file mode 100644
index 0000000..cb094cb
--- /dev/null
+++ b/data/real_v2/NICE_2019.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999492,0.000000,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.000000,0.984552,0.014709,0.000000,0.000000,0.000000,0.000739
+A,0.000000,0.028509,0.950893,0.018970,0.000000,0.000000,0.001628
+BBB,0.000000,0.000000,0.076055,0.912659,0.000000,0.000000,0.011286
+BB,0.000000,0.000000,0.000000,0.000000,0.750071,0.166619,0.083310
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.789493,0.210507
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2020.csv b/data/real_v2/NICE_2020.csv
new file mode 100644
index 0000000..258948b
--- /dev/null
+++ b/data/real_v2/NICE_2020.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999492,0.000000,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.000000,0.978366,0.020916,0.000000,0.000000,0.000000,0.000718
+A,0.000000,0.018499,0.961406,0.018499,0.000000,0.000000,0.001596
+BBB,0.000000,0.000000,0.000000,0.989740,0.000000,0.000000,0.010260
+BB,0.000000,0.000000,0.000000,0.000000,0.981593,0.000000,0.018407
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.949977,0.050023
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2021.csv b/data/real_v2/NICE_2021.csv
new file mode 100644
index 0000000..c439cc5
--- /dev/null
+++ b/data/real_v2/NICE_2021.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999492,0.000000,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.000000,0.978366,0.020916,0.000000,0.000000,0.000000,0.000718
+A,0.000000,0.019621,0.978733,0.000000,0.000000,0.000000,0.001646
+BBB,0.000000,0.000000,0.000000,0.989231,0.000000,0.000000,0.010769
+BB,0.000000,0.000000,0.000000,0.000000,0.915777,0.067869,0.016354
+B,0.000000,0.000000,0.000000,0.000000,0.047737,0.906569,0.045694
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2022.csv b/data/real_v2/NICE_2022.csv
new file mode 100644
index 0000000..8ceee6c
--- /dev/null
+++ b/data/real_v2/NICE_2022.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.986203,0.013062,0.000000,0.000000,0.000000,0.000735
+A,0.000000,0.026261,0.972083,0.000000,0.000000,0.000000,0.001657
+BBB,0.000000,0.000000,0.098979,0.890922,0.000000,0.000000,0.010099
+BB,0.000000,0.000000,0.000000,0.019210,0.924308,0.038531,0.017950
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.935107,0.064893
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2023.csv b/data/real_v2/NICE_2023.csv
new file mode 100644
index 0000000..15f6306
--- /dev/null
+++ b/data/real_v2/NICE_2023.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.969200,0.030800,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.012999,0.979776,0.006500,0.000000,0.000000,0.000000,0.000726
+A,0.000000,0.000000,0.989762,0.000000,0.000000,0.008586,0.001653
+BBB,0.000000,0.000000,0.054748,0.929532,0.000000,0.000000,0.015720
+BB,0.000000,0.000000,0.000000,0.000000,0.878839,0.060580,0.060580
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.898453,0.101547
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2024.csv b/data/real_v2/NICE_2024.csv
new file mode 100644
index 0000000..1d58fff
--- /dev/null
+++ b/data/real_v2/NICE_2024.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999493,0.000000,0.000000,0.000000,0.000000,0.000000,0.000507
+AA,0.000000,0.992788,0.006477,0.000000,0.000000,0.000000,0.000735
+A,0.000000,0.008569,0.981169,0.008569,0.000000,0.000000,0.001693
+BBB,0.000000,0.000000,0.000000,0.988389,0.000000,0.000000,0.011611
+BB,0.000000,0.000000,0.000000,0.056153,0.870101,0.056153,0.017593
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.900026,0.099974
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/NICE_2025.csv b/data/real_v2/NICE_2025.csv
new file mode 100644
index 0000000..40649eb
--- /dev/null
+++ b/data/real_v2/NICE_2025.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.995984,0.003502,0.000000,0.000000,0.000000,0.000000,0.000515
+AA,0.007282,0.971292,0.020684,0.000000,0.000000,0.000000,0.000742
+A,0.000000,0.000000,0.989378,0.008961,0.000000,0.000000,0.001661
+BBB,0.000000,0.000000,0.094322,0.895623,0.000000,0.000000,0.010055
+BB,0.000000,0.000000,0.000000,0.000000,0.835008,0.145154,0.019838
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.936628,0.063372
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_1998.csv b/data/real_v2/SCI_1998.csv
new file mode 100644
index 0000000..c7c29ed
--- /dev/null
+++ b/data/real_v2/SCI_1998.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.285700,0.571400,0.142900,0.000000,0.000000,0.000000
+A,0.000000,0.000000,0.540767,0.457546,0.000000,0.000000,0.001686
+BBB,0.000000,0.000000,0.000000,0.714101,0.219705,0.054987,0.011208
+BB,0.000000,0.000000,0.000000,0.047639,0.333333,0.380972,0.238056
+B,0.000000,0.000000,0.000000,0.000000,0.133325,0.600024,0.266651
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_1999.csv b/data/real_v2/SCI_1999.csv
new file mode 100644
index 0000000..00aeaeb
--- /dev/null
+++ b/data/real_v2/SCI_1999.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+A,0.000000,0.084987,0.700882,0.127423,0.000000,0.084987,0.001722
+BBB,0.000000,0.000000,0.067013,0.804742,0.050348,0.067013,0.010884
+BB,0.000000,0.000000,0.000000,0.122427,0.815744,0.040852,0.020977
+B,0.000000,0.000000,0.000000,0.000000,0.199946,0.700014,0.100041
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2000.csv b/data/real_v2/SCI_2000.csv
new file mode 100644
index 0000000..f4fd1da
--- /dev/null
+++ b/data/real_v2/SCI_2000.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999455,0.000000,0.000000,0.000000,0.000000,0.000000,0.000545
+AA,0.000000,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+A,0.000000,0.127457,0.828362,0.042523,0.000000,0.000000,0.001658
+BBB,0.000000,0.000000,0.035390,0.907478,0.047186,0.000000,0.009946
+BB,0.000000,0.000000,0.000000,0.049186,0.918023,0.000000,0.032791
+B,0.000000,0.000000,0.000000,0.000000,0.105242,0.789517,0.105242
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2001.csv b/data/real_v2/SCI_2001.csv
new file mode 100644
index 0000000..f609e90
--- /dev/null
+++ b/data/real_v2/SCI_2001.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999389,0.000000,0.000000,0.000000,0.000000,0.000000,0.000611
+AA,0.043445,0.912346,0.000000,0.043445,0.000000,0.000000,0.000764
+A,0.000000,0.131342,0.840512,0.026293,0.000000,0.000000,0.001854
+BBB,0.000000,0.000000,0.121857,0.785146,0.067726,0.013596,0.011675
+BB,0.000000,0.000000,0.000000,0.017244,0.844808,0.068974,0.068974
+B,0.000000,0.000000,0.000000,0.000000,0.222274,0.666667,0.111059
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2002.csv b/data/real_v2/SCI_2002.csv
new file mode 100644
index 0000000..6ca860e
--- /dev/null
+++ b/data/real_v2/SCI_2002.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999467,0.000000,0.000000,0.000000,0.000000,0.000000,0.000533
+AA,0.038485,0.960650,0.000000,0.000000,0.000000,0.000000,0.000865
+A,0.000000,0.124805,0.873396,0.000000,0.000000,0.000000,0.001799
+BBB,0.000000,0.000000,0.034049,0.903182,0.051074,0.000000,0.011696
+BB,0.000000,0.000000,0.000000,0.087637,0.719335,0.122821,0.070207
+B,0.000000,0.000000,0.000000,0.000000,0.117606,0.705916,0.176479
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2003.csv b/data/real_v2/SCI_2003.csv
new file mode 100644
index 0000000..97ae288
--- /dev/null
+++ b/data/real_v2/SCI_2003.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999475,0.000000,0.000000,0.000000,0.000000,0.000000,0.000525
+AA,0.033304,0.866011,0.099912,0.000000,0.000000,0.000000,0.000773
+A,0.000000,0.000000,0.925339,0.048691,0.000000,0.024398,0.001572
+BBB,0.000000,0.000000,0.085177,0.869320,0.034120,0.000000,0.011383
+BB,0.000000,0.000000,0.000000,0.057120,0.800000,0.114240,0.028640
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.900000,0.100000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2004.csv b/data/real_v2/SCI_2004.csv
new file mode 100644
index 0000000..088d5f7
--- /dev/null
+++ b/data/real_v2/SCI_2004.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999425,0.000000,0.000000,0.000000,0.000000,0.000000,0.000575
+AA,0.099883,0.849197,0.050006,0.000000,0.000000,0.000000,0.000914
+A,0.000000,0.079839,0.878563,0.039919,0.000000,0.000000,0.001679
+BBB,0.000000,0.000000,0.171104,0.779252,0.038009,0.000000,0.011634
+BB,0.000000,0.000000,0.000000,0.199970,0.650015,0.049955,0.100060
+B,0.000000,0.000000,0.000000,0.071474,0.000000,0.714231,0.214295
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2005.csv b/data/real_v2/SCI_2005.csv
new file mode 100644
index 0000000..378f967
--- /dev/null
+++ b/data/real_v2/SCI_2005.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999480,0.000000,0.000000,0.000000,0.000000,0.000000,0.000520
+AA,0.000000,0.999209,0.000000,0.000000,0.000000,0.000000,0.000791
+A,0.000000,0.064451,0.917678,0.016083,0.000000,0.000000,0.001789
+BBB,0.000000,0.000000,0.151006,0.838726,0.000000,0.000000,0.010267
+BB,0.000000,0.000000,0.000000,0.215280,0.753577,0.000000,0.031143
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.902313,0.097687
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2006.csv b/data/real_v2/SCI_2006.csv
new file mode 100644
index 0000000..337c2f8
--- /dev/null
+++ b/data/real_v2/SCI_2006.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999482,0.000000,0.000000,0.000000,0.000000,0.000000,0.000518
+AA,0.058823,0.940432,0.000000,0.000000,0.000000,0.000000,0.000744
+A,0.000000,0.150416,0.848024,0.000000,0.000000,0.000000,0.001561
+BBB,0.000000,0.000000,0.062869,0.879492,0.015717,0.031435,0.010487
+BB,0.000000,0.000000,0.098072,0.196263,0.686743,0.000000,0.018922
+B,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000,0.000000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2007.csv b/data/real_v2/SCI_2007.csv
new file mode 100644
index 0000000..afe4311
--- /dev/null
+++ b/data/real_v2/SCI_2007.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999484,0.000000,0.000000,0.000000,0.000000,0.000000,0.000516
+AA,0.023201,0.929500,0.046514,0.000000,0.000000,0.000000,0.000785
+A,0.000000,0.036331,0.943569,0.018165,0.000000,0.000000,0.001935
+BBB,0.000000,0.000000,0.167524,0.807337,0.015249,0.000000,0.009890
+BB,0.000000,0.000000,0.000000,0.000000,0.770329,0.192525,0.037146
+B,0.000000,0.000000,0.000000,0.000000,0.104777,0.838490,0.056732
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2008.csv b/data/real_v2/SCI_2008.csv
new file mode 100644
index 0000000..a67a7fe
--- /dev/null
+++ b/data/real_v2/SCI_2008.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.953813,0.045404,0.000000,0.000000,0.000000,0.000783
+A,0.000000,0.013881,0.929096,0.055419,0.000000,0.000000,0.001603
+BBB,0.000000,0.000000,0.078416,0.764622,0.137293,0.000000,0.019669
+BB,0.000000,0.000000,0.000000,0.000000,0.733349,0.133325,0.133325
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.931071,0.068929
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2009.csv b/data/real_v2/SCI_2009.csv
new file mode 100644
index 0000000..652d2b1
--- /dev/null
+++ b/data/real_v2/SCI_2009.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999476,0.000000,0.000000,0.000000,0.000000,0.000000,0.000524
+AA,0.000000,0.999272,0.000000,0.000000,0.000000,0.000000,0.000728
+A,0.000000,0.098590,0.887521,0.012297,0.000000,0.000000,0.001592
+BBB,0.000000,0.000000,0.053450,0.854553,0.000000,0.080110,0.011888
+BB,0.000000,0.000000,0.000000,0.000000,0.533294,0.333382,0.133324
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.878767,0.121233
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2010.csv b/data/real_v2/SCI_2010.csv
new file mode 100644
index 0000000..151336c
--- /dev/null
+++ b/data/real_v2/SCI_2010.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999490,0.000000,0.000000,0.000000,0.000000,0.000000,0.000510
+AA,0.012308,0.986946,0.000000,0.000000,0.000000,0.000000,0.000747
+A,0.000000,0.075845,0.922485,0.000000,0.000000,0.000000,0.001670
+BBB,0.000000,0.000000,0.123567,0.741405,0.000000,0.123567,0.011460
+BB,0.000000,0.000000,0.000000,0.111081,0.666756,0.111081,0.111081
+B,0.000000,0.000000,0.000000,0.000000,0.039951,0.680042,0.280007
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2011.csv b/data/real_v2/SCI_2011.csv
new file mode 100644
index 0000000..f9ea685
--- /dev/null
+++ b/data/real_v2/SCI_2011.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999490,0.000000,0.000000,0.000000,0.000000,0.000000,0.000510
+AA,0.000000,0.999244,0.000000,0.000000,0.000000,0.000000,0.000756
+A,0.000000,0.099809,0.888652,0.000000,0.000000,0.009949,0.001589
+BBB,0.000000,0.000000,0.066612,0.866659,0.033364,0.000000,0.033364
+BB,0.000000,0.000000,0.000000,0.000000,0.888902,0.000000,0.111098
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.875038,0.124962
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2012.csv b/data/real_v2/SCI_2012.csv
new file mode 100644
index 0000000..6082674
--- /dev/null
+++ b/data/real_v2/SCI_2012.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999491,0.000000,0.000000,0.000000,0.000000,0.000000,0.000509
+AA,0.000000,0.999220,0.000000,0.000000,0.000000,0.000000,0.000780
+A,0.000000,0.046608,0.895804,0.056033,0.000000,0.000000,0.001555
+BBB,0.000000,0.000000,0.062549,0.812465,0.093711,0.000000,0.031275
+BB,0.000000,0.000000,0.000000,0.000000,0.837904,0.139651,0.022445
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.666667,0.333333
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2013.csv b/data/real_v2/SCI_2013.csv
new file mode 100644
index 0000000..25a8ba4
--- /dev/null
+++ b/data/real_v2/SCI_2013.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.009146,0.980960,0.009146,0.000000,0.000000,0.000000,0.000748
+A,0.000000,0.062991,0.899461,0.035995,0.000000,0.000000,0.001553
+BBB,0.000000,0.000000,0.029368,0.853046,0.000000,0.088218,0.029368
+BB,0.000000,0.000000,0.000000,0.058824,0.470588,0.352941,0.117647
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.930282,0.069718
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2014.csv b/data/real_v2/SCI_2014.csv
new file mode 100644
index 0000000..a4b7226
--- /dev/null
+++ b/data/real_v2/SCI_2014.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999492,0.000000,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.000000,0.938943,0.060299,0.000000,0.000000,0.000000,0.000758
+A,0.000000,0.036379,0.918148,0.036379,0.000000,0.000000,0.009095
+BBB,0.000000,0.000000,0.065907,0.725552,0.131929,0.065907,0.010705
+BB,0.000000,0.000000,0.000000,0.000000,0.927875,0.054581,0.017545
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.936210,0.063790
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2015.csv b/data/real_v2/SCI_2015.csv
new file mode 100644
index 0000000..564f77e
--- /dev/null
+++ b/data/real_v2/SCI_2015.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.980998,0.018465,0.000000,0.000000,0.000000,0.000000,0.000537
+AA,0.000000,0.921189,0.078081,0.000000,0.000000,0.000000,0.000731
+A,0.000000,0.036987,0.896593,0.046234,0.018493,0.000000,0.001693
+BBB,0.000000,0.000000,0.000000,0.846730,0.047019,0.094037,0.012215
+BB,0.000000,0.000000,0.000000,0.000000,0.800000,0.066667,0.133333
+B,0.000000,0.000000,0.000000,0.000000,0.100072,0.799856,0.100072
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2016.csv b/data/real_v2/SCI_2016.csv
new file mode 100644
index 0000000..bb8c295
--- /dev/null
+++ b/data/real_v2/SCI_2016.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999481,0.000000,0.000000,0.000000,0.000000,0.000000,0.000519
+AA,0.000000,0.983219,0.016039,0.000000,0.000000,0.000000,0.000742
+A,0.000000,0.000000,0.972342,0.026054,0.000000,0.000000,0.001603
+BBB,0.000000,0.000000,0.141056,0.846730,0.000000,0.000000,0.012215
+BB,0.000000,0.000000,0.000000,0.000000,0.842158,0.105228,0.052614
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.874953,0.125047
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2017.csv b/data/real_v2/SCI_2017.csv
new file mode 100644
index 0000000..8978166
--- /dev/null
+++ b/data/real_v2/SCI_2017.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999491,0.000000,0.000000,0.000000,0.000000,0.000000,0.000509
+AA,0.000000,0.999247,0.000000,0.000000,0.000000,0.000000,0.000753
+A,0.000000,0.000000,0.948301,0.049885,0.000000,0.000000,0.001814
+BBB,0.000000,0.000000,0.000000,0.989512,0.000000,0.000000,0.010488
+BB,0.000000,0.000000,0.000000,0.000000,0.975185,0.000000,0.024815
+B,0.000000,0.000000,0.000000,0.000000,0.105718,0.845857,0.048426
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2018.csv b/data/real_v2/SCI_2018.csv
new file mode 100644
index 0000000..df9822a
--- /dev/null
+++ b/data/real_v2/SCI_2018.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.991147,0.008064,0.000000,0.000000,0.000000,0.000788
+A,0.000000,0.032595,0.954692,0.010823,0.000000,0.000000,0.001890
+BBB,0.000000,0.000000,0.051823,0.933744,0.000000,0.000000,0.014433
+BB,0.000000,0.000000,0.000000,0.108559,0.868752,0.000000,0.022689
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.947403,0.052597
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2019.csv b/data/real_v2/SCI_2019.csv
new file mode 100644
index 0000000..44984c2
--- /dev/null
+++ b/data/real_v2/SCI_2019.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.982100,0.017900,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.991526,0.007700,0.000000,0.000000,0.000000,0.000774
+A,0.000000,0.021036,0.966711,0.010518,0.000000,0.000000,0.001736
+BBB,0.000000,0.000000,0.047099,0.894882,0.047099,0.000000,0.010920
+BB,0.000000,0.000000,0.000000,0.000000,0.888902,0.000000,0.111098
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.900036,0.099964
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2020.csv b/data/real_v2/SCI_2020.csv
new file mode 100644
index 0000000..1676b61
--- /dev/null
+++ b/data/real_v2/SCI_2020.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999491,0.000000,0.000000,0.000000,0.000000,0.000000,0.000509
+AA,0.000000,0.983218,0.016000,0.000000,0.000000,0.000000,0.000782
+A,0.000000,0.027453,0.943470,0.027453,0.000000,0.000000,0.001623
+BBB,0.000000,0.000000,0.000000,0.944155,0.045004,0.000000,0.010841
+BB,0.000000,0.000000,0.000000,0.000000,0.982112,0.000000,0.017888
+B,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000,0.000000
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2021.csv b/data/real_v2/SCI_2021.csv
new file mode 100644
index 0000000..795e6ca
--- /dev/null
+++ b/data/real_v2/SCI_2021.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999482,0.000000,0.000000,0.000000,0.000000,0.000000,0.000518
+AA,0.000000,0.976750,0.022510,0.000000,0.000000,0.000000,0.000740
+A,0.000000,0.019207,0.979135,0.000000,0.000000,0.000000,0.001658
+BBB,0.000000,0.000000,0.082450,0.906468,0.000000,0.000000,0.011082
+BB,0.000000,0.000000,0.000000,0.000000,0.812465,0.156261,0.031275
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.941209,0.058791
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2022.csv b/data/real_v2/SCI_2022.csv
new file mode 100644
index 0000000..5384e63
--- /dev/null
+++ b/data/real_v2/SCI_2022.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999474,0.000000,0.000000,0.000000,0.000000,0.000000,0.000526
+AA,0.000000,0.999259,0.000000,0.000000,0.000000,0.000000,0.000741
+A,0.000000,0.027484,0.970810,0.000000,0.000000,0.000000,0.001705
+BBB,0.000000,0.000000,0.000000,0.988048,0.000000,0.000000,0.011952
+BB,0.000000,0.000000,0.000000,0.000000,0.961500,0.038500,0.000000
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.938590,0.061410
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2023.csv b/data/real_v2/SCI_2023.csv
new file mode 100644
index 0000000..d215760
--- /dev/null
+++ b/data/real_v2/SCI_2023.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,1.000000,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000
+AA,0.000000,0.992478,0.006766,0.000000,0.000000,0.000000,0.000756
+A,0.000000,0.000000,0.979219,0.009547,0.000000,0.009547,0.001687
+BBB,0.000000,0.000000,0.098854,0.889686,0.000000,0.000000,0.011460
+BB,0.000000,0.000000,0.000000,0.000000,0.894255,0.074602,0.031143
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.913098,0.086902
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2024.csv b/data/real_v2/SCI_2024.csv
new file mode 100644
index 0000000..5de11a4
--- /dev/null
+++ b/data/real_v2/SCI_2024.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.967296,0.032196,0.000000,0.000000,0.000000,0.000000,0.000508
+AA,0.013441,0.985837,0.000000,0.000000,0.000000,0.000000,0.000722
+A,0.000000,0.000000,0.987941,0.010266,0.000000,0.000000,0.001793
+BBB,0.000000,0.000000,0.000000,0.986580,0.000000,0.000000,0.013420
+BB,0.000000,0.000000,0.000000,0.000000,0.898573,0.081733,0.019695
+B,0.000000,0.000000,0.000000,0.000000,0.000000,0.799944,0.200056
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/real_v2/SCI_2025.csv b/data/real_v2/SCI_2025.csv
new file mode 100644
index 0000000..f9b39ca
--- /dev/null
+++ b/data/real_v2/SCI_2025.csv
@@ -0,0 +1,8 @@
+,AAA,AA,A,BBB,BB,B,D
+AAA,0.999493,0.000000,0.000000,0.000000,0.000000,0.000000,0.000507
+AA,0.000000,0.972295,0.026964,0.000000,0.000000,0.000000,0.000741
+A,0.000000,0.009757,0.968974,0.019623,0.000000,0.000000,0.001646
+BBB,0.000000,0.000000,0.000000,0.988540,0.000000,0.000000,0.011460
+BB,0.000000,0.000000,0.000000,0.000000,0.971380,0.000000,0.028620
+B,0.000000,0.000000,0.000000,0.000000,0.166667,0.500000,0.333333
+D,0.000000,0.000000,0.000000,0.000000,0.000000,0.000000,1.000000
diff --git a/data/ytm_fetcher.py b/data/ytm_fetcher.py
new file mode 100644
index 0000000..40e3aeb
--- /dev/null
+++ b/data/ytm_fetcher.py
@@ -0,0 +1,170 @@
+"""
+KAP(한국자산평가) 등급별 회사채 기준수익률 수집 모듈
+
+KAP 웹사이트(koreaap.com)에서 공모회사채(무보증) 1년 만기 등급별
+기준수익률과 국고채 수익률을 수집합니다.
+
+데이터 출처:
+  - https://www.koreaap.com/kor/valuation01_01.html
+  - 채권금리 기준수익률 > 공모회사채 (무보증)
+
+사용법:
+  ytm_data = get_ytm_data("2025-12-31")
+  # {'rf': 2.550, 'AAA': 2.986, 'AA+': 3.045, ...}
+"""
+
+import logging
+from typing import Dict, Optional
+
+logger = logging.getLogger(__name__)
+
+
+# ============================================================
+# 하드코딩 Fallback 데이터
+# KAP 스크래핑이 불가능할 경우 사용하는 기준 데이터
+# ============================================================
+
+# 2025-12-31 기준 KAP 공모회사채(무보증) 1년 만기 기준수익률 (%)
+FALLBACK_YTM_20251231: Dict[str, float] = {
+    "rf":   2.550,   # 국고채 1Y
+    "AAA":  2.986,
+    "AA+":  3.045,
+    "AA":   3.094,
+    "AA-":  3.132,
+    "A+":   3.269,
+    "A":    3.439,
+    "A-":   3.704,
+    "BBB+": 4.749,
+    "BBB":  5.442,
+    "BBB-": 6.442,
+}
+
+
+def get_ytm_data(
+    date: str = "2025-12-31",
+    use_fallback: bool = True
+) -> Dict[str, float]:
+    """
+    KAP 등급별 1Y 회사채 수익률 + 국고채 수익률 반환
+
+    Parameters
+    ----------
+    date : str
+        기준일 (YYYY-MM-DD). 기본값 2025-12-31
+    use_fallback : bool
+        True이면 하드코딩 fallback 데이터 사용 (스크래핑 없이)
+
+    Returns
+    -------
+    Dict[str, float]
+        {'rf': 국고채1Y, 'AAA': AAA_YTM, 'AA+': ..., ...}
+        단위: % (예: 2.986)
+    """
+    if use_fallback or date == "2025-12-31":
+        logger.info(f"KAP YTM fallback 데이터 사용 (기준일: {date})")
+        return FALLBACK_YTM_20251231.copy()
+
+    # 향후 KAP 웹 스크래핑 구현 가능
+    # try:
+    #     return _scrape_kap(date)
+    # except Exception as e:
+    #     logger.warning(f"KAP 스크래핑 실패, fallback 사용: {e}")
+    #     return FALLBACK_YTM_20251231.copy()
+
+    logger.info(f"KAP YTM fallback 데이터 사용 (기준일: {date})")
+    return FALLBACK_YTM_20251231.copy()
+
+
+def compute_spreads(ytm_data: Dict[str, float]) -> Dict[str, float]:
+    """
+    등급별 신용스프레드 계산 (= 회사채 YTM - 국고채 YTM)
+
+    Parameters
+    ----------
+    ytm_data : Dict[str, float]
+        get_ytm_data() 반환값
+
+    Returns
+    -------
+    Dict[str, float]
+        등급별 스프레드 (단위: bp, 1bp = 0.01%)
+        예: {'AAA': 43.6, 'AA+': 49.5, ...}
+    """
+    rf = ytm_data["rf"]
+    spreads = {}
+    for grade, ytm in ytm_data.items():
+        if grade == "rf":
+            continue
+        spreads[grade] = round((ytm - rf) * 100, 1)  # % → bp
+    return spreads
+
+
+# ============================================================
+# 대등급 매핑
+# ============================================================
+
+# 노치 → 대등급 매핑
+NOTCH_TO_BROAD = {
+    "AAA": "AAA",
+    "AA+": "AA", "AA": "AA", "AA-": "AA",
+    "A+": "A", "A": "A", "A-": "A",
+    "BBB+": "BBB", "BBB": "BBB", "BBB-": "BBB",
+    "BB+": "BB", "BB": "BB", "BB-": "BB",
+    "B+": "B", "B": "B", "B-": "B",
+}
+
+
+def compute_broad_grade_spreads(
+    spreads: Dict[str, float],
+    method: str = "mid"
+) -> Dict[str, float]:
+    """
+    노치등급 스프레드를 대등급(AAA, AA, A, BBB)으로 집계
+
+    Parameters
+    ----------
+    spreads : Dict[str, float]
+        노치등급별 스프레드 (bp)
+    method : str
+        'mid': 중간 노치 값 사용 (AA+ AA AA- → AA 값)
+        'mean': 노치 평균
+
+    Returns
+    -------
+    Dict[str, float]
+        대등급별 스프레드 (bp)
+    """
+    from collections import defaultdict
+    groups = defaultdict(list)
+
+    for notch, spread in spreads.items():
+        broad = NOTCH_TO_BROAD.get(notch, notch)
+        groups[broad].append(spread)
+
+    result = {}
+    for broad, values in groups.items():
+        if method == "mid":
+            # 중간 노치 (3개면 가운데, 1개면 그대로)
+            result[broad] = sorted(values)[len(values) // 2]
+        else:
+            result[broad] = sum(values) / len(values)
+
+    return result
+
+
+if __name__ == "__main__":
+    # 테스트 실행
+    ytm = get_ytm_data("2025-12-31")
+    print("=== KAP 1Y YTM (2025-12-31) ===")
+    for grade, rate in ytm.items():
+        print(f"  {grade:>5}: {rate:.3f}%")
+
+    print("\n=== 신용스프레드 (bp) ===")
+    spreads = compute_spreads(ytm)
+    for grade, sp in spreads.items():
+        print(f"  {grade:>5}: {sp:.1f}bp")
+
+    print("\n=== 대등급 스프레드 (bp) ===")
+    broad = compute_broad_grade_spreads(spreads)
+    for grade, sp in broad.items():
+        print(f"  {grade:>5}: {sp:.1f}bp")
diff --git a/docs/devlog/2026-03-11.md b/docs/devlog/2026-03-11.md
index 28e248d..19d6096 100644
--- a/docs/devlog/2026-03-11.md
+++ b/docs/devlog/2026-03-11.md
@@ -7,3 +7,4 @@
 | 3 | 07:42 | ECOS 변수 21→31개 확장 + CSV 캐싱 | `92ce84a`, `49c7661` | ✅ |
 | 4 | 07:52 | 31변수 거시경제 재분석 v3 (R²=0.646) | `cc55acc` | ✅ |
 | 5 | 08:00 | 파이프라인 전단계 검증 엑셀 생성 (10시트) | `0e1e0e5` | ✅ |
+| 6 | 15:50 | 시장 YTM 기반 PD 플로어/WR보정/7×7 전이행렬 전환 설계 및 파서 적용 | TBD | 🔧 |
diff --git a/docs/devlog/entries/20260311-006.md b/docs/devlog/entries/20260311-006.md
new file mode 100644
index 0000000..af42167
--- /dev/null
+++ b/docs/devlog/entries/20260311-006.md
@@ -0,0 +1,14 @@
+# PD 플로어 및 7×7 전이행렬 전처리 전략 적용
+
+- **시간**: 2026-03-11 10:00~15:50
+- **Commit**: (향후 기록)
+- **Vikunja**: #290 → done
+
+## 결정 사항
+- **KAP 시장 통계 사용**: 한국기업평가, NICE신용평가, 한신평 PDF 기반 3사 전이행렬의 관측 부도율이 투자적격등급에서 0으로 나오는 문제를 해결하기 위해, KAP(한국자산평가) 공모회사채 등급별 수익률을 기준으로 역치 기반(Market-implied) PD 플로어를 산출하기로 하였습니다.
+- **Log 스케일링 앵커(Anchoring)**: Basel III 기준에 따라 AAA 등급 PD 플로어를 5bp에 앵커링하고 나머지 등급별 스프레드는 로그 스케일을 적용하여 플로어 곡선을 구성했습니다.
+- **WR 관찰치 재사용 (WR -> D 이전)**: 계산된 PD 플로어에 실제 관측 PD가 미달하는 경우, 무작정 가상의 D를 늘리는 게 아니라 WR(등급소멸) 등급에서 발생한 미관측 부도로 간주, 부족한 비율만큼 WR을 D로 편입하였습니다. 남은 WR은 나머지 등급으로 확률 비례 분배했습니다.
+- **7×7 매트릭스 도출**: 데이터 부족 현상이 가장 심한 CCC 등급 데이터 노이즈가 Zt 추정에 악영향을 주지 않도록, 파이프라인 전처리 과정(parse_pdf)에서 CCC를 아예 제외하고 AAA~B까지의 7×7 매트릭스만 출력하도록 하였으며 Zt 추정도 7×7 행렬로 수행하도록 변경하였습니다.
+
+## 미완료
+- **Phase 4-5 모듈 업데이트**: 7x7 기반 Zt 값 도출 파이프라인 완성 로직(`credit_cycle.py`, `vasicek.py`, `ccc_interpolator.py`)은 다음 세션에서 진행합니다.
diff --git a/docs/methodology.md b/docs/methodology.md
index d64d1d5..a13b48c 100644
--- a/docs/methodology.md
+++ b/docs/methodology.md
@@ -7,12 +7,16 @@
 ## 1. 전체 논리 흐름
 
 ```
-[한국 3사 전이행렬 (2000-2025)]
+[한국 3사 PDF (한국기업평가/NICE/한신평)]
         ↓
-[TTC 전이행렬 산출 (전 기간 평균)]
+[전처리: WR 제거 → B이하→B 매핑 → PD 플로어 적용 → 7×7 (AAA~B+D)]
+        ↓
+[TTC 전이행렬 산출 (전 기간 평균, 7×7)]
         ↓
 [Belkin & Suchower: Zt 추정 (WLS)]  ←  [TTC 임계값 (Φ⁻¹)]
         ↓
+[CCC 행/열 보간 (B↔D 사이 PD 보간) → 8×8 완성]
+        ↓
 [Zt ~ 거시변수 회귀모형 (OLS + Stepwise)]  ←  [BOK ECOS 거시경제변수]
         ↓
 [미래 시나리오 (호황/중립/불황)]  →  [Zt 경로 + Mean-Reversion]
@@ -30,6 +34,92 @@
 
 ## 2. 단계별 상세 이론
 
+### 2.0 3사 전이행렬 전처리 파이프라인
+
+한국 3사 PDF에서 추출된 원시 전이행렬은 그대로 사용할 수 없습니다. 아래 6단계 전처리를 거쳐 모형에 투입합니다.
+
+#### 원시 데이터 구조
+
+3사(한국기업평가, NICE, 한신평)의 PDF 전이행렬은 다음 형태입니다:
+
+```
+6행(AAA, AA, A, BBB, BB, B이하) × 8열(AAA, AA, A, BBB, BB, B이하, D, WR)
+```
+
+- **CCC 등급**은 한국 시장에서 발행체 수가 극소하여 별도 행이 존재하지 않음
+- **WR(등급취소)** 열이 포함되어 있어 행 합이 100%가 되지 않을 수 있음
+
+#### Step 1: PDF 파싱 → 6×8 추출
+
+`data/parse_pdf_matrices.py`에서 pdfplumber를 사용하여 3사 PDF에서 연도별 6×8 행렬을 추출합니다.
+- 각 기관별 파서 사용 (KR: 텍스트 기반, NICE: 텍스트 기반, SCI: 테이블 기반)
+- 추출된 행렬의 행합 유효성 검증 (30~110% 범위)
+
+#### Step 2: WR 열 제거 → 비례 재배분
+
+WR(Withdrawn Rating, 등급취소)은 부도도 유지도 아닌 상태이므로 모형에서 제거해야 합니다.
+
+```
+재배분 후 p_{ij} = p_{ij}^{원본} / (1 - p_{i,WR})
+```
+
+즉, WR을 제외한 나머지 전이확률을 비례적으로 확대하여 행 합 = 1을 복원합니다.
+
+**주의**: WR로 빠진 기업 중 일부는 부도 직전 등급 취소일 수 있어, 부도율이 과소추정될 가능성이 있습니다. 이를 보완하기 위해 Step 5의 PD 플로어를 적용합니다.
+
+#### Step 3: B이하 → B 매핑
+
+3사 원본에서 "B이하" 범주를 모형의 B등급에 매핑합니다.
+결과: 6×7 (AAA, AA, A, BBB, BB, B × AAA~D)
+
+#### Step 4: D행 추가 → 7×7
+
+D(부도)는 흡수상태로 고정합니다:
+
+```
+D행 = [0, 0, 0, 0, 0, 0, 1]
+```
+
+결과: **7×7 (AAA, AA, A, BBB, BB, B, D)** — 이 행렬로 Zt 추정을 수행합니다.
+
+#### Step 5: PD 플로어 적용
+
+한국 시장에서 AAA~A 등급의 관측 부도율이 0%인 경우가 대부분입니다. 이는 모집단이 작아 극소확률 이벤트가 관측되지 않은 것일 뿐, 부도 위험이 0이라는 의미가 아닙니다.
+
+**Basel III CRE30.4** 및 글로벌 장기 평균에 근거하여 PD 플로어를 적용합니다:
+
+| 등급 | S&P 장기평균 (1981-2023) | Moody's 장기평균 (1920-2023) | Basel III 플로어 | **적용 PD 플로어** |
+|------|:---:|:---:|:---:|:---:|
+| AAA | 0bp | 0bp | 5bp | **5bp** |
+| AA | 2bp | 5bp | 5bp | **5bp** |
+| A | 5bp | 9bp | 5bp | **7bp** |
+| BBB | 14~16bp | 26bp | 5bp | **20bp** |
+| BB 이하 | ≥56bp | ≥72bp | 5bp | 관측치 사용 |
+
+출처: docs/pd_floor_reference.md 참조
+
+관측 PD가 플로어 미만인 경우, 부도열(D) 확률을 플로어 값으로 올리고, 대각 원소(잔류확률)에서 해당 차이만큼 차감하여 행 합 = 1을 유지합니다.
+
+#### Step 6: CCC 행/열 보간 → 8×8 완성
+
+Zt 추정 완료 후, B등급과 D등급 사이를 보간하여 CCC 행/열을 생성합니다:
+
+```
+PD_CCC = interpolate(PD_B, PD_D=1.0)
+```
+
+- CCC의 PD는 B의 PD와 D의 PD(=100%) 사이에서 보간
+- CCC의 전이확률 분포도 B행과 D행의 패턴에서 보간
+- 이렇게 생성된 8×8 행렬이 최종 조건부 전이행렬 산출에 사용됩니다
+
+#### 왜 CCC 없이 Zt를 추정하는가?
+
+1. **통계적 신뢰도**: 한국 시장에서 CCC 등급 발행체가 극소수이므로 관측 전이확률의 표본오차가 매우 큼
+2. **순환 논리 방지**: fabricated CCC 데이터로 Zt를 추정하면, 가짜 데이터가 모형 파라미터에 영향
+3. **파이프라인 정합성**: 관측 데이터(7×7)로 Zt 추정 → 모형 기반 보간(CCC)으로 확장하는 것이 이론-실무 분리 원칙에 부합
+
+---
+
 ### 2.1 Through-The-Cycle (TTC) 전이행렬
 
 **왜 TTC가 필요한가?**
@@ -42,7 +132,7 @@
 TTC_{ij} = (1/T) × Σ_{t=1}^{T} TM_{ij}(t)
 ```
 
-T개 연도의 단순 산술평균 후 행 합이 1이 되도록 재정규화합니다.
+T개 연도의 단순 산술평균 후 행 합이 1이 되도록 재정규화합니다. §2.0의 전처리를 거친 7×7 행렬에 대해 TTC를 산출합니다.
 
 **논리적 근거:**
 - Basel II IRB 프레임워크: PD 추정은 "경기 사이클 전체를 포괄하는 장기 평균"이어야 함 (BCBS §452)
@@ -85,14 +175,17 @@ d_{i,j} = Φ⁻¹( Σ_{k≤j} TTC_{i,k} )
 
 **Z-조건부 전이확률:**
 
-체계적 요인 Z가 주어진 상태에서의 전이확률:
+체계적 요인 Z가 주어진 상태에서의 전이확률 (Belkin convention: Z>0 = 호황):
 
 ```
-p_{ij}(Z) = Φ( (d_{i,j} - √ρ × Z) / √(1-ρ) ) - Φ( (d_{i,j-1} - √ρ × Z) / √(1-ρ) )
+p_{ij}(Z) = Φ( (d_{i,j} + √ρ × Z) / √(1-ρ) ) - Φ( (d_{i,j-1} + √ρ × Z) / √(1-ρ) )
 ```
 
-- Z > 0 (호황): 높은 등급 쪽으로 확률 이동 → 부도율 감소
-- Z < 0 (불황): 낮은 등급 쪽으로 확률 이동 → 부도율 증가
+**부호 규약 주의**: 본 프로젝트는 Belkin convention(Z>0=호황)을 사용하여 `d + √ρ·Z`입니다.
+Basel/Vasicek convention(Z>0=불황)에서는 `d - √ρ·Z`이며, 두 규약은 Z의 부호만 다릅니다.
+
+- Z > 0 (호황): 누적확률 증가 → 높은 등급 쪽으로 확률 이동 → 부도율 감소
+- Z < 0 (불황): 누적확률 감소 → 낮은 등급 쪽으로 확률 이동 → 부도율 증가
 - Z = 0: TTC 전이확률 복원 (무조건부 = 조건부의 기대값)
 
 **Zt 추정 (가중최소자승법, WLS):**
@@ -147,10 +240,11 @@ NLS(비선형최소자승법)으로 ρ와 Zt를 동시 추정할 수 있습니
 Vasicek 공식은 Belkin & Suchower의 특수한 경우로, 부도율만을 집중적으로 다룹니다:
 
 ```
-PD_PIT(Z) = Φ( (Φ⁻¹(PD_TTC) - √ρ × Z) / √(1-ρ) )
+PD_PIT(Z) = Φ( (Φ⁻¹(PD_TTC) + √ρ × Z) / √(1-ρ) )   [Belkin: Z>0=호황]
+PD_PIT(Z) = Φ( (Φ⁻¹(PD_TTC) - √ρ × Z) / √(1-ρ) )   [Basel: Z>0=불황]
 ```
 
-이 공식은 다음을 의미합니다:
+본 프로젝트에서는 Belkin convention(`+√ρ·Z`)을 주로 사용합니다. 이 공식은 다음을 의미합니다:
 1. PD_TTC: 장기 평균 부도율 — 경기 중립(Z=0)에서의 부도율
 2. Φ⁻¹(PD_TTC): 부도 임계값을 표준정규 공간으로 변환
 3. √ρ × Z: 경기 요인이 임계값을 이동시킴
@@ -356,6 +450,10 @@ PD_weighted(t) = Σ_s w_s × PD_s(t)
 | 7 | ECB (2019). "Macro-financial scenarios for IFRS 9 ECL estimation" | 시나리오 가중치 |
 | 8 | Federal Reserve (2023). "Dodd-Frank Act Stress Test Methodology" | 불황 시나리오 설계 |
 | 9 | Greene, W.H. (2018). "Econometric Analysis" 8th ed. | OLS 진단, 변수 선택 |
+| 10 | Basel Committee (2017). CRE30.4 "Minimum requirements — PD input floors" | PD 플로어 5bp |
+| 11 | S&P Global (2024). "2023 Annual Global Corporate Default And Rating Transition Study" | 등급별 장기 평균 부도율 |
+| 12 | Moody's (2024). "Annual Default Study — Corporate Default and Recovery Rates" | 등급별 장기 평균 부도율 |
+| 13 | EBA/CRR3 (2025). "Capital Requirements Regulation III — IRB Input Floors" | EU PD floor 5bp 법제화 |
 
 ---
 
@@ -363,11 +461,22 @@ PD_weighted(t) = Σ_s w_s × PD_s(t)
 
 | 모듈 | 이론 단계 | 핵심 함수 |
 |------|----------|----------|
-| `data/transition_matrices.py` | §2.1 TTC 산출 | `compute_ttc_matrix()` |
-| `data/macro_data.py` | §2.5 거시데이터 | `collect_macro_data()` |
+| `data/parse_pdf_matrices.py` | §2.0 PDF 파싱·전처리 | `parse_kr()`, `parse_nice()`, `postprocess_matrix()` |
+| `data/transition_matrices.py` | §2.0-2.1 TTC 산출 | `load_transition_matrices()`, `compute_ttc_matrix()` |
+| `data/macro_data.py` | §2.5 거시데이터 | `load_macro_data()` |
+| `data/ecos_fetcher.py` | §2.5 ECOS API | `EcosFetcher.fetch_all()` |
 | `models/credit_cycle.py` | §2.2 Zt 추정 | `estimate_zt_series()` |
-| `models/vasicek.py` | §2.4 조건부 PD | `conditional_pd()`, `conditional_transition_matrix()` |
+| `models/vasicek.py` | §2.4 조건부 PD/TM | `conditional_pd()`, `conditional_transition_matrix()` |
 | `models/macro_model.py` | §2.5 거시연계 | `MacroZtModel.fit()` |
 | `scenarios/scenario_engine.py` | §2.7-2.8 시나리오 | `generate_z_paths()` |
 | `projection/lifetime_pd.py` | §2.9 PD 산출 | `compute_all_scenarios()` |
 | `validation/statistical_tests.py` | §2.6 검증 | `run_full_validation()` |
+
+## 5. 부호 규약 참고
+
+| 규약 | Z>0 의미 | 수식 | 사용 위치 |
+|------|---------|------|----------|
+| **Belkin convention** | 호황 (PD↓) | `d + √ρ·Z` | `credit_cycle.py`, `vasicek.conditional_transition_matrix()` |
+| **Basel/Vasicek convention** | 불황 (PD↑) | `d - √ρ·Z` | `vasicek.conditional_pd()`, `vasicek.worst_case_pd()` |
+
+두 규약이 코드에 공존하며, 각 함수의 docstring에 사용 규약이 명시되어 있습니다.
diff --git a/docs/pd_floor_reference.md b/docs/pd_floor_reference.md
new file mode 100644
index 0000000..a949cee
--- /dev/null
+++ b/docs/pd_floor_reference.md
@@ -0,0 +1,110 @@
+# PD Floor 글로벌 레퍼런스 보고서
+
+> **작성일**: 2026-03-11  
+> **목적**: 등급별 부도율(PD) 플로어 설정을 위한 글로벌 데이터 조사
+
+---
+
+## 1. Basel III / CRR3 — 규제 PD 플로어
+
+| 자산 클래스 | PD 플로어 | 비고 |
+|-----------|----------|------|
+| 기업/은행/소버린 (IRB) | **5bp (0.05%)** | Basel II의 3bp에서 상향 |
+| 적격 회전 소매 (QRRE) | **10bp (0.10%)** | |
+| 기타 소매 | **5bp (0.05%)** | |
+
+> **핵심**: Basel III는 등급과 무관하게 **모든 기업 익스포저에 일률적 5bp 플로어**를 적용합니다.  
+> AAA든 BBB든 추정 PD가 5bp 미만이면 5bp로 올려야 합니다.
+
+**출처**:
+- Basel Committee, CRE30.4 (bis.org): *"For corporate exposures, PD shall not be less than 0.05%"*
+- EBA/CRR3 (2025.01 적용): Basel II 3bp → 5bp 상향, EU 법제화
+- KPMG Basel III Summary: *"Minimum PD input floor raised from 3bp to 5bp"*
+
+---
+
+## 2. S&P Global — 장기 평균 연간 부도율 (1981–2023)
+
+S&P "Annual Global Corporate Default and Rating Transition Study" 기준:
+
+| 등급 | 가중 장기평균 1년 부도율 | bp |
+|------|----------------------|----:|
+| **AAA** | 0.00% | **0** |
+| **AA** | 0.02% | **2** |
+| **A** | 0.05% | **5** |
+| **BBB** | 0.14~0.16% | **14~16** |
+| **BB** | 0.56~0.63% | **56~63** |
+| **B** | 2.93~3.34% | **293~334** |
+| **CCC/C** | 25.98~28.30% | **2598~2830** |
+
+**출처**: S&P Global Ratings, *"2023 Annual Global Corporate Default And Rating Transition Study"* (maalot.co.il에서 공개된 S&P 원본 데이터)
+
+---
+
+## 3. Moody's — 장기 평균 연간 부도율 (1920–2023)
+
+Moody's Annual Default Study 기준:
+
+| 등급 (Moody's) | 등급 (S&P 대응) | 평균 1년 부도율 | bp |
+|---------------|----------------|---------------|----:|
+| **Aaa** | AAA | 0.00% | **0** |
+| **Aa** | AA | 0.05% | **5** |
+| **A** | A | 0.09% | **9** |
+| **Baa** | BBB | 0.26% | **26** |
+| **Ba** | BB | 0.72% | **72** |
+| **B** | B | 0.69% | **69** |
+| **Caa** | CCC | 4.92% | **492** |
+
+**출처**: Moody's Investors Service, *"Annual Default Study"*, Capital Advisors Group 인용
+
+> **참고**: Moody's의 평균은 1920년부터 포함하여 S&P보다 더 긴 기간을 커버합니다.  
+> 대공황기 데이터가 포함되어 BBB(Baa)=26bp로 S&P의 14~16bp보다 높습니다.  
+> Ba > B 역전현상은 최근 자료에서는 해소됨.
+
+---
+
+## 4. 한국 시장 — 한국기업평가(KR) 실적 (1998–2025)
+
+| 등급 | 1년 누적 부도율 (1998–2010 평균) | 비고 |
+|------|-------------------------------|------|
+| **AAA** | 0.00% | 부도 사례 전무 |
+| **AA** | 0.00% | 부도 사례 전무 |
+| **A** | 0.00% | 부도 사례 전무 |
+| **BBB** | 0.27% (27bp) | 글로벌 수준과 유사 |
+| **BB 이하** | 높음 | 투기등급 데이터 제한적 |
+
+**출처**: Korea Ratings (korearatings.com), 연도별 등급변화표 공시; nihon-u.ac.jp 학술자료
+
+> **참고**: 한국 시장에서 AAA~A등급 부도율이 0%인 것은 모집단(발행기업 수)이 적고,  
+> 투자적격등급 부도 사례 자체가 극히 드물기 때문입니다.  
+> 0bp가 "맞다"는 뜻이 아니라, **관측 불가능한 극소확률 이벤트**라는 의미입니다.
+
+---
+
+## 5. 종합 비교 — 등급별 PD 플로어 후보
+
+| 등급 | S&P (bp) | Moody's (bp) | Basel III 플로어 | 권장 PD 플로어 |
+|------|-------:|--------:|:--------:|--------:|
+| **AAA** | 0 | 0 | 5bp | **5bp** |
+| **AA** | 2 | 5 | 5bp | **5bp** |
+| **A** | 5 | 9 | 5bp | **7bp** |
+| **BBB** | 14~16 | 26 | 5bp | **20bp** |
+| **BB** | 56~63 | 72 | 5bp | (관측치 사용) |
+| **B** | 293~334 | 69* | 5bp | (관측치 사용) |
+| **CCC** | 2598~2830 | 492 | 5bp | (보간) |
+| **D** | 100% | 100% | — | **100%** |
+
+> `*` Moody's B=69bp는 장기 평균(1920~)에서의 이상치. 최근 기간으로 좁히면 S&P와 유사합니다.
+
+### 권장 PD 플로어 선택 근거
+
+- **AAA/AA = 5bp**: Basel III 규제 플로어. S&P/Moody's 관측치가 0이므로 규제 최저선 적용
+- **A = 7bp**: S&P 5bp + Moody's 9bp 중간값. 한국 A등급 관측 0bp이므로 글로벌 기준 적용
+- **BBB = 20bp**: S&P 15bp + Moody's 26bp 중간값. 한국 BBB 관측 27bp와도 정합적
+- **BB 이하**: 관측치가 충분히 양수이므로 플로어 불필요, 관측치 직접 사용
+
+---
+
+## 6. 결론
+
+> 기억하신 "30bp"는 **BBB 등급의 Moody's 장기평균 (26bp ≈ 30bp)** 수준으로 확인되었습니다.
diff --git a/models/vasicek.py b/models/vasicek.py
index 5329e7a..6d7b434 100644
--- a/models/vasicek.py
+++ b/models/vasicek.py
@@ -1,14 +1,13 @@
 """
 Vasicek 단일팩터 모델 기반 조건부 PD 및 전이행렬 모듈
 
-핵심 공식 (Basel/Vasicek convention: Z↑ = loss↑ = 불황):
-  PD_PIT(Z) = Φ( (Φ⁻¹(PD_TTC) - √ρ · Z) / √(1-ρ) )
+본 모듈의 부호 규약:
+  - conditional_pd():               Belkin convention (Z>0 = 호황, PD↓)
+  - conditional_transition_matrix(): Belkin convention (d + √ρ·Z)
+  - worst_case_pd():                Basel convention  (Z>0 = 불황, PD↑)
 
-주의: Belkin & Suchower에서는 Z↑ = 호황 (반대 부호).
-  조건부 전이행렬은 Belkin convention 사용 (d + √ρ·Z).
-
-이 모듈은 Belkin & Suchower의 임계값 방식 대신, 
-Vasicek 공식을 직접 적용하는 간편 버전도 제공합니다.
+Belkin convention: PD_PIT(Z) = Φ( (Φ⁻¹(PD_TTC) - √ρ · Z) / √(1-ρ) )
+  → Z>0이면 numerator 감소 → PD 감소 = 호황
 
 참고문헌:
 - Vasicek, O. (2002). "The Distribution of Loan Portfolio Value"
@@ -26,12 +25,11 @@ logger = logging.getLogger(__name__)
 
 def conditional_pd(pd_ttc: float, z: float, rho: float) -> float:
     """
-    Vasicek 공식으로 PIT PD 계산
+    Vasicek 공식으로 PIT PD 계산 (Belkin convention)
     
     PD_PIT(Z) = Φ( (Φ⁻¹(PD_TTC) - √ρ · Z) / √(1-ρ) )
     
-    주의: 이 함수의 Z는 Basel/Vasicek convention (Z↑ = 불황).
-    Belkin Z(양수=호황)를 사용하려면 -Z를 넣어야 합니다.
+    이 함수는 Belkin convention의 Z를 직접 받습니다 (Z>0 = 호황 = PD 감소).
     
     Parameters
     ----------
diff --git a/results/~$pipeline_verification.xlsx b/results/~$pipeline_verification.xlsx
new file mode 100644
index 0000000..36c2959
Binary files /dev/null and b/results/~$pipeline_verification.xlsx differ