he matrix of financed clients' characteristics to be used in the scorecard.</p></td>
    </tr>
    <tr>
      <th>xnf</th>
      <td><p>The matrix of not financed clients' characteristics to be used in the scorecard (must be the same in the same order as xf!).</p></td>
    </tr>
    <tr>
      <th>yf</th>
      <td><p>The matrix of financed clients' labels</p></td>
    </tr>
    <tr>
      <th>probs</th>
      <td><p>The sequence of quantiles to use to make scorebands (see the vignette).</p></td>
    </tr>
