{"id":6464,"date":"2020-05-20T05:42:42","date_gmt":"2020-05-20T05:42:42","guid":{"rendered":"https:\/\/sunoida.com\/?page_id=6464"},"modified":"2023-08-07T14:01:57","modified_gmt":"2023-08-07T14:01:57","slug":"probability-of-default-pd-calculations","status":"publish","type":"page","link":"https:\/\/sunoida.com\/vision-erm\/probability-of-default-pd-calculations\/","title":{"rendered":"Probability of Default (PD) Calculations"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6464\" class=\"elementor elementor-6464\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c6ae38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c6ae38\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a290344\" data-id=\"a290344\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e86c7ac elementor-widget elementor-widget-shortcode\" data-id=\"e86c7ac\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b173ec4 elementor-reverse-mobile elementor-reverse-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b173ec4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6cdd63a\" data-id=\"6cdd63a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c7ca7c elementor-widget elementor-widget-image\" data-id=\"3c7ca7c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"720\" height=\"423\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/Insight-Top-Image.jpg\" class=\"attachment-large size-large wp-image-4427\" alt=\"Insight-Top-Image\" srcset=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/Insight-Top-Image.jpg 720w, https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/Insight-Top-Image-300x176.jpg 300w, https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/Insight-Top-Image-600x353.jpg 600w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-27e682e\" data-id=\"27e682e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6470aaf elementor-widget elementor-widget-heading\" data-id=\"6470aaf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vision ERM Insight is a credit scoring, internal rating, probability of default & provisioning (loan loss reserves) platform with a design philosophy that marries the best of application and behavior credit scores\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0088008 custom_colors elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0088008\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efe1d7c elementor-widget elementor-widget-heading\" data-id=\"efe1d7c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Explore all of the modules from Vision ERM Insight here<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c402bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c402bc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60df38b\" data-id=\"60df38b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cb3ecb elementor-widget elementor-widget-eael-adv-tabs\" data-id=\"5cb3ecb\" data-element_type=\"widget\" data-widget_type=\"eael-adv-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div data-scroll-on-click=\"no\" data-scroll-speed=\"300\" id=\"eael-advance-tabs-5cb3ecb\" class=\"eael-advance-tabs eael-tabs-vertical eael-tab-auto-active \" data-tabid=\"5cb3ecb\">\n            <div class=\"eael-tabs-nav\">\n                <ul class=\"eael-tab-inline-icon\" role=\"tablist\">\n                                            <li id=\"risk-rating\" class=\"inactive eael-tab-item-trigger\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"risk-rating-tab\" aria-expanded=\"false\">\n                            \n                                                                <img decoding=\"async\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a1-small-2.png\" alt=\"a1 small\">\n                                                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Risk Rating<\/span>                            \n                                                    <\/li>\n                                            <li id=\"probability-of-default-pd-calculations\" class=\"active-default eael-tab-item-trigger\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"probability-of-default-pd-calculations-tab\" aria-expanded=\"false\">\n                            \n                                                                <img decoding=\"async\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a2-small.png\" alt=\"a2 small\">\n                                                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Probability of Default (PD) Calculations<\/span>                            \n                                                    <\/li>\n                                            <li id=\"customer-scoring-and-dashboard\" class=\"inactive eael-tab-item-trigger\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"customer-scoring-and-dashboard-tab\" aria-expanded=\"false\">\n                            \n                                                                <img decoding=\"async\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a3-small-1.png\" alt=\"a3 small\">\n                                                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Customer Scoring and Dashboard<\/span>                            \n                                                    <\/li>\n                                            <li id=\"customer-credit-profiling\" class=\"inactive eael-tab-item-trigger\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"customer-credit-profiling-tab\" aria-expanded=\"false\">\n                            \n                                                                <img decoding=\"async\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a4-small-1.png\" alt=\"a4 small\">\n                                                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Customer Credit Profiling<\/span>                            \n                                                    <\/li>\n                                            <li id=\"provisioning-for-delinquencies\" class=\"inactive eael-tab-item-trigger\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"provisioning-for-delinquencies-tab\" aria-expanded=\"false\">\n                            \n                                                                <img decoding=\"async\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a5-small-1.png\" alt=\"a5 small\">\n                                                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Provisioning for Delinquencies<\/span>                            \n                                                    <\/li>\n                                    <\/ul>\n            <\/div>\n            \n            <div class=\"eael-tabs-content\">\n\t\t        \n                    <div id=\"risk-rating-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"risk-rating-tab\">\n\t\t\t\t        \t\t\t\t\t        <p><img decoding=\"async\" class=\"alignnone wp-image-4432\" style=\"margin-bottom: -10px;\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a1-big-1.png\" alt=\"a1 big\" width=\"55\" height=\"70\" \/><\/p><p><span style=\"color: #db007c; font-size: 20px; font-weight: 600; padding-top: 10px;\">Risk Rating<\/span><\/p><p><strong>To qualify for the supervisory approval of an IRB approach a bank must:<\/strong><\/p><ul><li>Quantify the various credit risk components (that is, PD, LGD and EAD) which, when taken together, constitute the elevated level of credit risk management required under the IRB approaches<\/li><li>There must be enough meaningful statistical observations so that the quality of risk assessments can lead to realistic estimates<\/li><li>In order for an internal ratings system to be IRB compliant (that is, it is eligible to be used for regulatory capital purposes and, more generally, to deliver sound risk assessments), banks must collect substantial amounts of historical data.<\/li><li>Must gather data systematically<\/li><\/ul><p>Historical data refers to all data related to events that have affected exposures over a given period in the past.<\/p><p><span style=\"color: #333333; font-size: 20px; font-weight: 600;\">BASEL II Standardized<\/span><\/p><ul><li>Credit Exposures (on and off \u2013 balance sheet) information<\/li><li>Collateral Information<\/li><li>Long and Short Term Credit Ratings by External Credit Assessment Institutions (ECAIs) recognized by the Central Bank<\/li><li>Mapping of ratings of ECAIs with Central Bank Rating Grades<\/li><\/ul><p><span style=\"color: #333333; font-size: 20px; font-weight: 600;\">BASEL II \u2013 IRB<\/span><\/p><ul><li>Credit Exposures (on and off \u2013 balance sheet) information<\/li><li>Collateral Information<\/li><li>PD estimates should be developed using a minimum historical observation period. This includes historical default data.<\/li><\/ul><p><span style=\"color: #333333; font-size: 20px; font-weight: 600;\">Supported Credit Analytics<\/span><\/p><p>Combining the best of tested and established rating practices and the power of a Business Intelligence platform, Vision Insights generates an useful set of reports and analytics for use by the credit risk management function.<\/p>\t\t\t\t                            <\/div>\n\t\t        \n                    <div id=\"probability-of-default-pd-calculations-tab\" class=\"clearfix eael-tab-content-item active-default\" data-title-link=\"probability-of-default-pd-calculations-tab\">\n\t\t\t\t        \t\t\t\t\t        <p><img decoding=\"async\" class=\"alignnone wp-image-4436\" style=\"margin-bottom: -10px;\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a2-big-1.png\" alt=\"a2 big\" width=\"76\" height=\"70\" \/><\/p><p><span id=\"probability\" style=\"color: #db007c; font-size: 20px; font-weight: 600; padding-top: 10px;\">Probability of Default (PD) Calculations<\/span><\/p><p><span style=\"color: #333333; font-size: 20px; font-weight: 600;\">Probability of Default<\/span><\/p><ul><li>PD estimates based on historical credit events<\/li><li>PD estimates based on outstanding exposure<\/li><li>Classification by rating grades &amp; attributes<\/li><li>Facility wise probability of default<\/li><li>Variable frequency and look back period<\/li><li>Credit event and update tracking<\/li><li>Multiple default definitions<\/li><\/ul><p><span style=\"color: #333333; font-size: 20px; font-weight: 600;\">Payment Behavior<\/span><\/p><ul><li>Principal and markup payment behavior<\/li><li>Multiple transactions per facility<\/li><li>Internal validation of data to ensure consistency<\/li><li>Payment behavior processing and analysis<\/li><li>Multiple format export functionality<\/li><\/ul>\t\t\t\t                            <\/div>\n\t\t        \n                    <div id=\"customer-scoring-and-dashboard-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"customer-scoring-and-dashboard-tab\">\n\t\t\t\t        \t\t\t\t\t        <p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4442\" style=\"margin-bottom: -10px;\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a3-big-1.png\" alt=\"a3 big\" width=\"71\" height=\"70\" srcset=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a3-big-1.png 136w, https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a3-big-1-100x100.png 100w\" sizes=\"(max-width: 71px) 100vw, 71px\" \/><\/p><p><span style=\"color: #db007c; font-size: 20px; font-weight: 600; padding-top: 10px;\">Customer Scoring and Dashboard <\/span><\/p><p>A fully configurable scoring engine can be used to replicate scores based on existing criteria, or to define and test new attributes. Scores are computed for multiple periods and rating migrations from one rating grade to another are incorporated in the probability of default calculations.<\/p><p><strong>Key Features<\/strong><\/p><ul><li>Multiple multifactor configurations<\/li><li>Attribute selection and user defined sensitivity<\/li><li>Frequency distribution and mapping<\/li><li>Score composition<\/li><li>Percentile standing<\/li><li>Customer score tracking<\/li><li>Dataset management<\/li><\/ul>\t\t\t\t                            <\/div>\n\t\t        \n                    <div id=\"customer-credit-profiling-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"customer-credit-profiling-tab\">\n\t\t\t\t        \t\t\t\t\t        <p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4445\" style=\"margin-bottom: -10px;\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a4-big-1.png\" alt=\"a4 big\" width=\"74\" height=\"70\" \/><\/p><p><span style=\"color: #db007c; font-size: 20px; font-weight: 600; padding-top: 10px;\">Customer Credit Profiling<\/span><\/p><p>Build detailed customer profiles using customer account information, geographical location and business specific attributes including asset class, legal status, incorporation date and industry.<\/p><p>Annual, semi-annual and quarterly financial statements are imported and categorized. In order to handle data availability issues, the template used for capturing and importing data is highly customizable, providing flexibility of using summary level data, or an entire balance sheet breakup.<\/p><p>In addition to borrower specific characteristics, a second dimension also looks at facility specific characteristics including product type and structure, limits, collateral and utilization, from which facility risk rating and estimates of loss given default may be derived.<\/p><p><strong>Key Features<\/strong><\/p><ul><li>Balance sheet import and classification<\/li><li>Ability to define and modify new scoring elements<\/li><li>Attribute type and subtype definition<\/li><li>Import functionality<\/li><li>Rank and rate profiles based on relative criteria and credit score<\/li><li>Prune and trim portfolios based on relative ranking and rating<\/li><li>Funded vs. non funded facility classification<\/li><li>Facility specific definition<\/li><\/ul>\t\t\t\t                            <\/div>\n\t\t        \n                    <div id=\"provisioning-for-delinquencies-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"provisioning-for-delinquencies-tab\">\n\t\t\t\t        \t\t\t\t\t        <p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4449\" style=\"margin-bottom: -10px;\" src=\"https:\/\/sunoida.com\/wp-content\/uploads\/2020\/01\/a5-big-1.png\" alt=\"a5 big\" width=\"67\" height=\"70\" \/><\/p><p><span style=\"color: #db007c; font-size: 20px; font-weight: 600; padding-top: 10px;\">Provisioning for Delinquencies<\/span><\/p><p>The provisioning module allows analysis of delinquencies at a customer or facility level, with the ability to drill down and look at specific sectors, industries or by any other attribute.<\/p><p><span style=\"color: #333333; font-size: 20px; font-weight: 600;\">Key Features<\/span><\/p><ul><li><strong>Regulatory or Internal definitions for<\/strong><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>Classification days past due<\/li><li>Provision requirement<\/li><li>Forced sale value<\/li><\/ul><\/li><\/ul><ul><li><strong>Subjective downgrades<\/strong><\/li><\/ul><ul><li><strong>Restructuring<\/strong><\/li><\/ul><ul><li><strong>Stress test<\/strong><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>9Increase in days past due<\/li><li>Continuous deterioration in nonperforming loans<\/li><\/ul><\/li><\/ul><ul><li><strong>Tracking of<\/strong><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>Provision shortfall<\/li><li>Provision recovery<\/li><li>Provision held<\/li><li>Principal repaid<\/li><li>Projected profitability by customer, sector, segment, days past due and product<\/li><\/ul><\/li><\/ul>\t\t\t\t                            <\/div>\n\t\t                    <\/div>\n        <\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9df8319 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9df8319\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16f0a91\" data-id=\"16f0a91\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8cf23d8 elementor-widget elementor-widget-heading\" data-id=\"8cf23d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Learn how Vision Enterprise Risk Management helps support every bank\u2019s goals\nof identifying potential threats and reducing their negative impact on the business.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b25a728 elementor-widget elementor-widget-elementskit-button\" data-id=\"b25a728\" data-element_type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/sunoida.com\/vision-erm\/\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tLearn More\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Vision ERM Insight is a credit scoring, internal rating, probability of default &amp; provisioning (loan loss reserves) platform with a design philosophy that marries the best of application and behavior credit scores Explore all of the modules from Vision ERM Insight here Risk Rating Probability of Default (PD) Calculations Customer Scoring and Dashboard Customer Credit &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/sunoida.com\/vision-erm\/probability-of-default-pd-calculations\/\"> <span class=\"screen-reader-text\">Probability of Default (PD) Calculations<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":15,"featured_media":0,"parent":4247,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"disabled","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"_links":{"self":[{"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/pages\/6464"}],"collection":[{"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/comments?post=6464"}],"version-history":[{"count":10,"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/pages\/6464\/revisions"}],"predecessor-version":[{"id":9324,"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/pages\/6464\/revisions\/9324"}],"up":[{"embeddable":true,"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/pages\/4247"}],"wp:attachment":[{"href":"https:\/\/sunoida.com\/wp-json\/wp\/v2\/media?parent=6464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}