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For both of our test statistics, we also considered two additional nonparametric tests.

“Our models use carefully designed, nonparametric statistical models. We have a clear understanding of the impact a variable has on the underwriting model’s prediction,” says Levchin.

Müller, H. G. Weighted local regression and kernel methods for nonparametric curve fitting.

The diverged allelic pairs were divided into subsets according to their associated dN/dS ratios and differences in the maximum differential bi-allelic expression between groups were compared using nonparametric statistical testing.