Hi Mkeintz, Thank you for responding. The rate is the decline rate, which means, we have both an automatic deline system and human review process for declining the customers, for those who are sent to the human review process, we would spend some days finalizing the decision. So for the monthly decline rate, we have to wait till after mid-month, to get it stable. Thus, the Jan 2016 data was fixed at 39.9% because it actually stabilizesfafter mid-month. My problem is, how can I predict the stable decline rate for Jan2017 based on Jan1-Jan22,2017 and Jan 2016 in a more accurate way, so that I could predict Feb2017 based on Feb1-Feb22,2017 and Feb2016 next month and so is March and April and May...... in the same way? Thank you so much!
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