This is the R notebook and R project that generates the presentation, as given at Credit Scoring & Credit Control XVI, Edinburgh, UK, on 2019-08-30. A docker image has been generated from this release of the project. It can be executed in Rstudio running on a free cloud instance provided by mybinder.org. All the user interaction is via a web browser, so that the user can experiment with the code without needing to install any software locally. The project notebook can be executed by following all the instructions below or opening the "launch binder" link in a new browser tab then following steps 2 and 3 of the instructions. [LAUNCH BINDER] INSTRUCTIONS Open https://mybinder.org/v2/zenodo/10.5281/zenodo.3402938?urlpath=rstudio/ in a web browser (or click the "launch binder" link instead). Once the Rstudio instance is running open the file scorecal_CSCC_2019.Rmd by clicking on the filename in the Files tab of the bottom-right pane. Click the Knit button at the top of the scorecal_CSCC_2019.Rmd tab of code editor (top-left) pane. This will execute the notebook and generate the presentation slides.