set.seed(100);
nobs <- 250;
sdm <- 1.0;
sde <- 0.3;

mx1  <- rnorm(n=nobs,mean=0.0,sd=sdm);
mx2  <- (mx1+rnorm(n=nobs,mean=0.0,sd=sdm))/sqrt(2.0);

ex1  <- rnorm(n=nobs,mean=0.0,sd=sde);
ex2  <- rnorm(n=nobs,mean=0.0,sd=sde);

bad <- 1.2*(1.0-mx1) + 0.2*(mx2-0.5)^2;

x1 <- plogis(mx1+ex1);
x2 <- plogis(mx2+ex2);
y  <- (bad>2.0);

FICO <- x1
Pidx <- x2
dflt <- y

mx1  <- rnorm(n=nobs,mean=0.0,sd=sdm);
mx2  <- (mx1+rnorm(n=nobs,mean=0.0,sd=sdm))/sqrt(2.0);

ex1  <- rnorm(n=nobs,mean=0.0,sd=sde);
ex2  <- rnorm(n=nobs,mean=0.0,sd=sde);

bad <- 1.2*(1.0-mx1) + 0.2*(mx2-0.5)^2;

x1 <- plogis(mx1+ex1);
x2 <- plogis(mx2+ex2);
y  <- (bad>2.0);

FICO <- c(FICO,x1)
Pidx <- c(Pidx,x2)
dflt <- c(dflt,y)

model <- data.frame(cbind(FICO,Pidx,dflt))
idx <- seq(1,nobs,2)
score <- model[idx,1:2]

write.table(model,file="model.csv",quote=F,sep=",",row.names=F)
write.table(score,file="score.csv",quote=F,sep=",",row.names=F)

size <- 40;

grid <- mat.or.vec((size+1)*(size+1),2);
for (j in 0:size) {
for (i in 0:size) {
  ij <- (size+1)*j+i+1
  grid[ij,1] <- i;
  grid[ij,2] <- j;
}
}
grid <- grid/(size+1);

gx1 <- grid[,1];
gx2 <- grid[,2];

FICO <- gx1
Pidx <- gx2

FICO <- c(FICO,gx1)
Pidx <- c(Pidx,gx2)

grid <- data.frame(cbind(FICO,Pidx))

write.table(grid,file="grid.csv",quote=F,sep=",",row.names=F)