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...of the bins. Each subject will be scored based on the bin it falls in for each variable. All such scores from each of the variables will be added up to get the final score. There will be a cutoff score to decide which of the two classes of response the subject falls into. I fount and tested the smbinning package. However, it only gives the bins for a single variable at a time. How can I get a full scorecard model? Thanks Nikhil [[alternative HTML version deleted]]