This attribute, hist12, contains a 12-month history of delinquency. For example, 100000001000 indicates the most recent month and 9 months prior have delinquencies and all other months were current. I need to identify accounts with at least 1 delinquency in the last 12 months. What's the most efficient way to code it? I can use substr function to extract one byte at a time, but I would think there are better ways. Thanks!
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