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He divides the slews of credit applications in each ZIP3 at hand the slues of households in each ZIP3 to wangle per household online credit pertinence rates.
He maps these rates using electrified smidgin analysis. The denouement, shown under, identifies which areas of the power are participating most heavily in online lending (red) and which areas are not (blue).
The murkiness red areas on both the payday loan in Mantee and the east skim experience the most highly-strung clustering of high-per-household online credit devotion rates, followed away southern areas Atlanta, Montgomery, and north of Miami.