Thank you very much, Steve. For example, In bank A the model found that female card-holder is relatively riskless or fewer chance to pay later than due date compared to male cardholder and the model relativity is 1: 1.15 (ie., male is 15% higher chance to have late payment). Let us say, the model suggests to charge male cardholder 15% higher than female. But the bank decided to charge male only 10% higher due to competition or other business consideration. If the Gender factor is correlated to other factors in the model, the fixing (offsetting) relativity to 1:1.1 might affect the estimated parameters of other factors. Using offsetting the Gender relativity, we can see what is the effect by applying this business decision. If you can found a way to do the offseting job in proc genmod, would you please let me know. Really appreciated for your help. Meta
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