AiCurio is the first and only commercially available deep learning artificial neural net cash flow underwriting engine for US Residential Mortgages. We predict at a 98% accuracy all monthly cashflows at the loan level (P and I as well as servicing costs) which necessarily means we predict all defaults and prepayments at that same loan level 98% accuracy. We built this model over the past 2 and a half years with 135 Million loans and 8 Billion monthly payment records containing up to 300 data elements per monthly record. We have just finished our model validation and fair lending testing and it passed with out any statistically significant bias or economic impact. From a Policy and expansion of the Credit Box point of view, we identify at the loan level the approximately 5% of Freddie and Fannie denials that should be made on a Second Look Basis at that conforming pricing as the loans will perform notwithstanding the DU/LP denial. We are based in Philly and I would like to have you take a look at AiCurio and our unique capabilities in detail for origination but also for refi retention and loan mod loss mitt which also goes off at the 98% loan level accuracy. See our website AiCurio.com and the 5 minute video interview I gave that is a good primer on our abilities.