Installation instructions for the replication data sets for LENDING CREDIBILITY. 1. Download the IMFDATA.ZIP file to your hard drive. In Internet Explorer, this can be done by right-clicking on the link, selecting "Save Target As..." from the popup menu, and specifying a location to store the file. Note the folder where you decide to place the ZIP file. 2. Using a program like WinZip, extract all the files from IMFDATA.ZIP to the C:\DATA\IMF folder. You must use this folder because the programs expect to find the data sets and .do files there. 3. Read the README.TXT file for replication instructions.