The models presented so far can be organized into three categories. The first category applies already existing models such as decision trees and rule induction, neural networks, fuzzy modeling, support vector machines (SVMs), k-nearest neighbors (k-NN), Bayesian networks (BNs), instance-based algorithms, learning classifier systems, ANN and SVM. The second category proposes a new hybrid model based on the existing models. The third category involves the use of more complicated deep learning models. Apart from above which are used Iin PD models we also use simulation based models, MCMC models in stress testing, etc.