Evictit=αt+αl(i)+ατ(i,t)+b∑βb1{Balit=b}+γBit+δBit1{Tenureit>12}+ϵit \text{Evict}_{it} = \alpha_t + \alpha_{l(i)} + \alpha_{\tau(i,t)} + \sum_b \beta_b 1_{\{Bal_{it} = b\}} + \gamma B_{it} + \delta B_{it} 1_{\{Tenure_{it} > 12\}} + \epsilon_{it}
