Example

Calculation of Average Income Difference in the One-Lender, Five-Borrower Model

To find the average income difference in the one-lender, five-borrower model, all 15 unique pairwise differences are summed and then divided by 15. The total sum is derived from two components: the five differences between the lender and each borrower, which are all $6s - 1$, and the ten differences between pairs of borrowers, which are all zero. This leads to the final calculation for the average difference: 5(6sāˆ’1)+10(0)15=6sāˆ’13\frac{5(6s-1) + 10(0)}{15} = \frac{6s-1}{3}

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Updated 2025-08-29

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