| in this regard | 4 | other |
| at their end | 3 | temporal |
| by contacting borrowers | 2 | manner |
| lender → be → proactive | 13 |
| lender → become → more proactive | 3 |
| negative | neutral | positive |
| 0.099 | 0.688 | 0.213 |
| Raw frequency | 16 |
| Normalized frequency | 0.296 |
| Modifier score | 0.700 |
| Perplexity | 266.903 |