{
  "slug": "why-the-credit-score-organized-lending-risk",
  "version": 1,
  "layout": "flow",
  "nodes": [
    {
      "id": "n1",
      "type": "ledger",
      "label": "Payment History",
      "x": 61,
      "y": 62,
      "w": 162,
      "h": 162,
      "detail": "years of data"
    },
    {
      "id": "n2",
      "type": "calculator",
      "label": "Scoring Algorithm",
      "x": 278,
      "y": 72,
      "w": 82,
      "h": 82,
      "detail": "weighted formula"
    },
    {
      "id": "n3",
      "type": "badge",
      "label": "Credit Score",
      "x": 278,
      "y": 182,
      "w": 82,
      "h": 82,
      "detail": "a number"
    },
    {
      "id": "n4",
      "type": "coin",
      "label": "Loan Decision",
      "x": 278,
      "y": 282,
      "w": 82,
      "h": 82
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  ],
  "relationships": [
    {
      "from": "n1",
      "to": "n2",
      "label": "fed into"
    },
    {
      "from": "n2",
      "to": "n3",
      "label": "produces"
    },
    {
      "from": "n3",
      "to": "n4",
      "label": "determines"
    }
  ],
  "summary": "Years of payment history feed a weighted formula that outputs one number, replacing the local banker's judgement.",
  "mechanism": "history-to-number-risk-quantification",
  "fig": "FIG. / THE NUMBER THAT REPLACED THE BANKER WHO KNEW YOUR FATHER",
  "animation": {
    "style": "assemble",
    "duration": 700,
    "stagger": 60
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  "presentation": {
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    "hero": "n3",
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    "icon": "graph",
    "label": "Graph",
    "tilt": 0
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  "illustration": {
    "concept": "Semicircular credit score gauge with risk bands; needle in good zone; loan applicant on left feeds their score in; lender on right sees it to decide",
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