We’ve updated the Shift-Score™ methodology to v1.2
Effective April 24, 2026, the Shift-Score model is now at version 1.2. Three changes this quarter, all minor:
- Local market conditions weight rose from 10% to 12% based on Q1 outcome calibration
- Goal clarity weight fell from 16% to 14% — observed outcomes showed slightly less predictive value than we had weighted
- Tenure cliff at 30+ years adjusted from 0.95 to 1.0 to fully credit long-tenure households
Why we publish updates
The defensibility of a methodology in public matters more to us than its proprietary value. Read the full methodology.