1. Sort the le based on debt-to-income and remove these observations {the complete row or record} that have a missing score, a score of zero, or a negative score. 2. Assign each valid debt-to-income ratio into three buckets {labeled DTI bucket) by classifying each debt-to-income ratio into high {:20 percent}, medium {1020 percent}, and low (:10 percent) buckets. Consider using ifthen statements to complete this. Or sort the row and manually input. 3. Run a PivotTable analysis that shows the number of loans in each DTI bucket. Any interpretation of why these loans were declined based on debt-to-income ratios