feat(data): implement market-implied PD floor and 7x7 transition matrix parsing #task-290

2026-03-11 15:53:38 +09:00
parent 0762fcc5d8
commit b8514c1251
235 changed files with 1729 additions and 1102 deletions
--- 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
+1. **#293 거시 시나리오 고도화** — IMF WEO/KDI 전망치를 직접 입력하여 시나리오 정밀화
-2. **#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. **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)
--- 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.
--- 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 = raw_6x8.copy()
-    mat_6x7 = raw_6x8[:, :7].copy()
+    COL_D = 6
-    for i in range(6):
+    COL_WR = 7
        row_sum = mat_6x7[i].sum()
        if row_sum > 0:
            mat_6x7[i] = mat_6x7[i] / row_sum * 100.0
-    # 8×8 구성: B이하(5) → B(5), D:col6→col7
+    # Step 1: PD floor correction (WR -> D transfer)
-    mat = np.zeros((8, 8))
+    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_7x7[i, j] = mat[i, j]
-        mat[i, 7] = mat_6x7[i, 6]  # D
+        mat_7x7[i, 6] = mat[i, COL_D]
-    # CCC 행/열 extrapolation
+    # Step 4: D row (absorbing state)
-    mat = _extrapolate_ccc(mat)
+    mat_7x7[6, :] = 0.0
    mat_7x7[6, 6] = 100.0
-    # D 행
+    # Step 5: Convert to probability and normalize
-    mat[7, :] = 0.0
+    mat_7x7 /= 100.0
-    mat[7, 7] = 100.0
+    for i in range(7):
-
+        s = mat_7x7[i].sum()
    # → 확률, 행합 정규화
    mat /= 100.0
    for i in range(8):
        s = mat[i].sum()
        if s > 0:
-            mat[i] /= s
+            mat_7x7[i] /= s
-    return mat
+    return mat_7x7
 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
 # ============================================================
@@ -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]:
--- a/data/pd_floor.py
+++ 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}")
--- a/data/real/AVG_1998.csv
+++ b/data/real/AVG_1998.csv
@@ -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
--- a/data/real/AVG_1999.csv
+++ b/data/real/AVG_1999.csv
@@ -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
--- a/data/real/AVG_2000.csv
+++ b/data/real/AVG_2000.csv
@@ -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
--- a/data/real/AVG_2001.csv
+++ b/data/real/AVG_2001.csv
@@ -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
--- a/data/real/AVG_2002.csv
+++ b/data/real/AVG_2002.csv
@@ -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
--- a/data/real/AVG_2003.csv
+++ b/data/real/AVG_2003.csv
@@ -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
--- a/data/real/AVG_2004.csv
+++ b/data/real/AVG_2004.csv
@@ -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
--- a/data/real/AVG_2005.csv
+++ b/data/real/AVG_2005.csv
@@ -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
--- a/data/real/AVG_2006.csv
+++ b/data/real/AVG_2006.csv
@@ -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
--- a/data/real/AVG_2007.csv
+++ b/data/real/AVG_2007.csv
@@ -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
--- a/data/real/AVG_2008.csv
+++ b/data/real/AVG_2008.csv
@@ -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
--- a/data/real/AVG_2009.csv
+++ b/data/real/AVG_2009.csv
@@ -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
--- a/data/real/AVG_2010.csv
+++ b/data/real/AVG_2010.csv
@@ -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
--- a/data/real/AVG_2011.csv
+++ b/data/real/AVG_2011.csv
@@ -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
--- a/data/real/AVG_2012.csv
+++ b/data/real/AVG_2012.csv
@@ -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
--- a/data/real/AVG_2013.csv
+++ b/data/real/AVG_2013.csv
@@ -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
--- a/data/real/AVG_2014.csv
+++ b/data/real/AVG_2014.csv
@@ -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
--- a/data/real/AVG_2015.csv
+++ b/data/real/AVG_2015.csv
@@ -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
--- a/data/real/AVG_2016.csv
+++ b/data/real/AVG_2016.csv
@@ -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
--- a/data/real/AVG_2017.csv
+++ b/data/real/AVG_2017.csv
@@ -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
--- a/data/real/AVG_2018.csv
+++ b/data/real/AVG_2018.csv
@@ -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
--- a/data/real/AVG_2019.csv
+++ b/data/real/AVG_2019.csv
@@ -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
--- a/data/real/AVG_2020.csv
+++ b/data/real/AVG_2020.csv
@@ -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
--- a/data/real/AVG_2021.csv
+++ b/data/real/AVG_2021.csv
@@ -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
--- a/data/real/AVG_2022.csv
+++ b/data/real/AVG_2022.csv
@@ -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
--- a/data/real/AVG_2023.csv
+++ b/data/real/AVG_2023.csv
@@ -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
--- a/data/real/AVG_2024.csv
+++ b/data/real/AVG_2024.csv
@@ -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
--- a/data/real/AVG_2025.csv
+++ b/data/real/AVG_2025.csv
@@ -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
--- a/data/real/KR_1999.csv
+++ b/data/real/KR_1999.csv
@@ -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
--- a/data/real/KR_2000.csv
+++ b/data/real/KR_2000.csv
@@ -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
--- a/data/real/KR_2001.csv
+++ b/data/real/KR_2001.csv
@@ -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
--- a/data/real/KR_2002.csv
+++ b/data/real/KR_2002.csv
@@ -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
--- a/data/real/KR_2003.csv
+++ b/data/real/KR_2003.csv
@@ -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
--- a/data/real/KR_2004.csv
+++ b/data/real/KR_2004.csv
@@ -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
--- a/data/real/KR_2005.csv
+++ b/data/real/KR_2005.csv
@@ -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
--- a/data/real/KR_2006.csv
+++ b/data/real/KR_2006.csv
@@ -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
--- a/data/real/KR_2007.csv
+++ b/data/real/KR_2007.csv
@@ -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
--- a/data/real/KR_2008.csv
+++ b/data/real/KR_2008.csv
@@ -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
--- a/data/real/KR_2009.csv
+++ b/data/real/KR_2009.csv
@@ -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
--- a/data/real/KR_2010.csv
+++ b/data/real/KR_2010.csv
@@ -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
--- a/data/real/KR_2011.csv
+++ b/data/real/KR_2011.csv
@@ -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
--- a/data/real/KR_2012.csv
+++ b/data/real/KR_2012.csv
@@ -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
--- a/data/real/KR_2013.csv
+++ b/data/real/KR_2013.csv
@@ -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
--- a/data/real/KR_2014.csv
+++ b/data/real/KR_2014.csv
@@ -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
--- a/data/real/KR_2015.csv
+++ b/data/real/KR_2015.csv
@@ -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
--- a/data/real/KR_2016.csv
+++ b/data/real/KR_2016.csv
@@ -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
--- a/data/real/KR_2017.csv
+++ b/data/real/KR_2017.csv
@@ -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
--- a/data/real/KR_2018.csv
+++ b/data/real/KR_2018.csv
@@ -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
--- a/data/real/KR_2019.csv
+++ b/data/real/KR_2019.csv
@@ -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
--- a/data/real/KR_2020.csv
+++ b/data/real/KR_2020.csv
@@ -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
--- a/data/real/KR_2021.csv
+++ b/data/real/KR_2021.csv
@@ -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
--- a/data/real/KR_2022.csv
+++ b/data/real/KR_2022.csv
@@ -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
--- a/data/real/KR_2023.csv
+++ b/data/real/KR_2023.csv
@@ -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
--- a/data/real/KR_2024.csv
+++ b/data/real/KR_2024.csv
@@ -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
--- a/data/real/KR_2025.csv
+++ b/data/real/KR_2025.csv
@@ -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
--- a/data/real/NICE_1998.csv
+++ b/data/real/NICE_1998.csv
@@ -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
--- a/data/real/NICE_1999.csv
+++ b/data/real/NICE_1999.csv
@@ -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
--- a/data/real/NICE_2000.csv
+++ b/data/real/NICE_2000.csv
@@ -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
--- a/data/real/NICE_2001.csv
+++ b/data/real/NICE_2001.csv
@@ -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
--- a/data/real/NICE_2002.csv
+++ b/data/real/NICE_2002.csv
@@ -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
--- a/data/real/NICE_2003.csv
+++ b/data/real/NICE_2003.csv
@@ -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
--- a/data/real/NICE_2004.csv
+++ b/data/real/NICE_2004.csv
@@ -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
--- a/data/real/NICE_2005.csv
+++ b/data/real/NICE_2005.csv
@@ -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
--- a/data/real/NICE_2006.csv
+++ b/data/real/NICE_2006.csv
@@ -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
--- a/data/real/NICE_2007.csv
+++ b/data/real/NICE_2007.csv
@@ -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
--- a/data/real/NICE_2008.csv
+++ b/data/real/NICE_2008.csv
@@ -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
--- a/data/real/NICE_2009.csv
+++ b/data/real/NICE_2009.csv
@@ -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
--- a/data/real/NICE_2010.csv
+++ b/data/real/NICE_2010.csv
@@ -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
--- a/data/real/NICE_2011.csv
+++ b/data/real/NICE_2011.csv
@@ -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
--- a/data/real/NICE_2012.csv
+++ b/data/real/NICE_2012.csv
@@ -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
--- a/data/real/NICE_2013.csv
+++ b/data/real/NICE_2013.csv
@@ -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
--- a/data/real/NICE_2014.csv
+++ b/data/real/NICE_2014.csv
@@ -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
--- a/data/real/NICE_2015.csv
+++ b/data/real/NICE_2015.csv
@@ -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
--- a/data/real/NICE_2016.csv
+++ b/data/real/NICE_2016.csv
@@ -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
--- a/data/real/NICE_2017.csv
+++ b/data/real/NICE_2017.csv
@@ -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
--- a/data/real/NICE_2018.csv
+++ b/data/real/NICE_2018.csv
@@ -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
--- a/data/real/NICE_2019.csv
+++ b/data/real/NICE_2019.csv
@@ -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
--- a/data/real/NICE_2020.csv
+++ b/data/real/NICE_2020.csv
@@ -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
--- a/data/real/NICE_2021.csv
+++ b/data/real/NICE_2021.csv
@@ -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
--- a/data/real/NICE_2022.csv
+++ b/data/real/NICE_2022.csv
@@ -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
--- a/data/real/NICE_2023.csv
+++ b/data/real/NICE_2023.csv
@@ -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
--- a/data/real/NICE_2024.csv
+++ b/data/real/NICE_2024.csv
@@ -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
--- a/data/real/NICE_2025.csv
+++ b/data/real/NICE_2025.csv
@@ -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
--- a/data/real/SCI_1998.csv
+++ b/data/real/SCI_1998.csv
@@ -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
--- a/data/real/SCI_1999.csv
+++ b/data/real/SCI_1999.csv
@@ -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
--- a/data/real/SCI_2000.csv
+++ b/data/real/SCI_2000.csv
@@ -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
--- a/data/real/SCI_2001.csv
+++ b/data/real/SCI_2001.csv
@@ -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
--- a/data/real/SCI_2002.csv
+++ b/data/real/SCI_2002.csv
@@ -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
--- a/data/real/SCI_2003.csv
+++ b/data/real/SCI_2003.csv
@@ -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
--- a/data/real/SCI_2004.csv
+++ b/data/real/SCI_2004.csv
@@ -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
--- a/data/real/SCI_2005.csv
+++ b/data/real/SCI_2005.csv
@@ -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
--- a/data/real/SCI_2006.csv
+++ b/data/real/SCI_2006.csv
@@ -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
--- a/data/real/SCI_2007.csv
+++ b/data/real/SCI_2007.csv
@@ -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
--- a/data/real/SCI_2008.csv
+++ b/data/real/SCI_2008.csv
@@ -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
--- a/data/real/SCI_2009.csv
+++ b/data/real/SCI_2009.csv
@@ -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
--- a/data/real/SCI_2010.csv
+++ b/data/real/SCI_2010.csv
@@ -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
--- a/Show More
+++ b/Show More