short term private firm model static historical snapshot performance data model development mike scott eric brainstorming discussing data think final specifications modelling data requirement need follows need bankrupt default nondefault covers nonbankrupt accounts 4 quarterly observation snapshots 12 months performance following latest snapshot monthly performance indicator need available entire 12 months performance period need bankrupt default accounts comparable sample good accounts weights purpose model validation need data specs covering 16 months performance means need rolling 4 quarterly snapshots 12 months performance data 4 monthly shifts input snapshots performance 1999 march end 1999 june end 1999 september end 1999 december end 12 month end performance jan 2000 dec 2000 1999 feb end 1999 may end 1999 august end 1999 november end 12 month end performance dec 1999 nov 2000 1999 jan end 1999 apr end 1999 july end 1999 october end 12 month end performance nov 1999 oct 2000 1998 december end 1999 mar end 1999 june end 1999 september end 12 month end performance oct 1999 sep 2000 need bankruptcy chapterwise indicator available performance period definition default either bankruptcy 90 days delinquency trade credit also discussed cost aspect think considering big picture makes sense spend extra amount get right data analysis please let know thoughts require b give us modified quote could possibly move forward quickly regards amitava