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print('The criterion of demographic parity allows us to examine whether the fraction of applicants getting loans is the same across groups.')
print('As the above data shows, the model estimates substantially higher default rates for minority applicants (4.6%) compared to non-minority applicants (0.1%).')
print('We also observe a discrepancy between female (2.8%) and male applicants (1.9%), though to a lesser degree.')
print('Differences in the “positive rate” across groups indicates that the loan granting scheme is not making loans to each group at the same rate.')
print('This means that the criteria of demographic parity has not been achieved.')