| on the creditor | 4 | location |
| sometimes | 4 | temporal |
| overly | 3 | degree |
| decision → be → harsh | 15 |
| decision → seem → harsh | 6 |
| decision → appear → harsh | 3 |
| negative | neutral | positive |
| 0.500 | 0.448 | 0.052 |
| Raw frequency | 24 |
| Normalized frequency | 0.306 |
| Modifier score | 0.400 |
| Perplexity | 132.630 |