explain

app.py

@@ -238,7 +238,9 @@ Explain by Context
 
 ![Credit Record Summary](file=./xgb/credit_record.png)
 **Observations from a healthy credit background:**
-- This individual defaults due to **PAY_0=2** and **PAY_6=2**.
+Note: this is odd ratio
+- base line at -2, indicate from healthy credit background
+- This individual defaults due to high **PAY_0** and **PAY_6**.
 - PAY_0 represents repayment status in September, 2005 (-1=pay duly, 1=payment delay for one month, 2=payment delay for two months, … 8=payment delay for eight months, 9=payment delay for nine months and above).
 
 ![Credit Data Summary](file=./xgb/credit_data.png)