11. For every 1 standard deviation rise in previous history rating, credit rating: (a) Decreases by 0.5

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11. For every 1 standard deviation rise in previous history rating, credit rating:

(a) Decreases by 0.5 of a standard deviation

(b) Increases by 0.5 of a standard deviation

(c) Decreases by 0.3 of a standard deviation

(d) Increases by 0.3 of a standard deviation

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