All rates are probabilities between 0 (never) and 1 (always), applied to each applicant between snapshots.
For example, 0.10 = 10% chance per applicant. Leave a field blank to skip it.
Preferences — who gains or loses each preference
Gain applies only to applicants who don't currently have the preference.
Lose applies only to applicants who do have it.
| Preference | Chance to gain | Chance to lose |
Household — how each applicant's household shifts
Income — per-applicant income drift
Last name — per-applicant name churn