Figure 3
The vertical axis shows the following markings from top to bottom: “8.000”, “6.000”, “0.000”, “negative 1.000”, “negative 0.000”, and “negative 5.000”. The horizontal axis shows the following markings from left to right: “20.000”, “25.000”, “30.000”, “35.000”, “40.000”, and “35.000”. A horizontal reference line runs across the graph at negative 1.000. Data points are distributed above and below the reference line. Residuals range from negative 5 to 7.5. Points appear scattered without a consistent upward or downward pattern across the fitted values. Several points near fitted values around 30.000 to 40.000 show both higher positive residuals and lower negative residuals. Other points across the range remain closer to zero between negative and 2. Note: All numerical values are approximated.Residuals vs. fitted values for net NPAs regression. Note: Figure generated by the author