R Under development (unstable) (2026-02-27 r89498 ucrt) -- "Unsuffered Consequences" Copyright (C) 2026 The R Foundation for Statistical Computing Platform: x86_64-w64-mingw32/x64 R is free software and comes with ABSOLUTELY NO WARRANTY. You are welcome to redistribute it under certain conditions. Type 'license()' or 'licence()' for distribution details. R is a collaborative project with many contributors. Type 'contributors()' for more information and 'citation()' on how to cite R or R packages in publications. Type 'demo()' for some demos, 'help()' for on-line help, or 'help.start()' for an HTML browser interface to help. Type 'q()' to quit R. > # This file is part of the standard setup for testthat. > # It is recommended that you do not modify it. > # > # Where should you do additional test configuration? > # Learn more about the roles of various files in: > # * https://r-pkgs.org/tests.html > # * https://testthat.r-lib.org/reference/test_package.html#special-files > > library(testthat) > library(creditools) ℹ creditools 0.2.1 loaded ℹ Use `create_config()` to set up simulation parameters > > test_check("creditools") i Generating realistic sample data for 1000 applicants... v Generating realistic sample data for 1000 applicants... ... done New names: * `` -> `...1` ! Some swap-in groups had no baseline for default aggravation and used the global average. New names: * `` -> `...1` ! Some swap-in groups had no baseline for default aggravation and used the global average. New names: * `` -> `...1` New names: * `` -> `...1` v All simulations complete. -- Credit Simulation Policy ---------------------------------------------------- * Applicant ID: ID * Score Columns: s1 and s2 * Current Approval: a * Actual Default: d * 0 simulation stage(s) defined * 0 stress scenario(s) defined i Evaluating 5 cutoff combinations... New names: * `` -> `...1` ! No stress scenarios defined for swap-in defaults. Default outcomes will be NA. v Multi-stage simulation completed for 100 applicants. New names: * `` -> `...1` ! No stress scenarios defined for swap-in defaults. Default outcomes will be NA. v Multi-stage simulation completed for 100 applicants. New names: * `` -> `...1` ! No stress scenarios defined for swap-in defaults. Default outcomes will be NA. v Multi-stage simulation completed for 100 applicants. New names: * `` -> `...1` ! No stress scenarios defined for swap-in defaults. Default outcomes will be NA. v Multi-stage simulation completed for 100 applicants. New names: * `` -> `...1` v Multi-stage simulation completed for 100 applicants. i Generating realistic sample data for 100 applicants... v Generating realistic sample data for 100 applicants... ... done i Generating realistic sample data for 50 applicants... v Generating realistic sample data for 50 applicants... ... done i Generating realistic sample data for 50 applicants... v Generating realistic sample data for 50 applicants... ... done i Generating realistic sample data for 50000 applicants... v Generating realistic sample data for 50000 applicants... ... done New names: * `` -> `...1` New names: * `` -> `...1` * `` -> `...2` [ FAIL 0 | WARN 0 | SKIP 0 | PASS 39 ] > > proc.time() user system elapsed 2.09 0.40 2.48