[ WP ] Every person in the world undergoes a `` goodness '' test . It 's designed to give a score from 1 to 200 , where 1 is pure evil , and 200 is an angel in human body . Then the world is divided into 200 zones , where people can live among their own kind .

The man in the black suit reshuffled the papers on his desk. `` Well, I must say this is highly unusual. Under normal circumstances...'' His voice trailed off, and he glanced at Rebecca, who was still standing behind me. I swallowed a few times, but my throat still felt dry. All the moisture in my body seemed to have moved to my palms. `` I know my rights,'' I said. 
 
 The man in the black suit leaned forward. `` It's quite simple, really. The fact of the matter is - well, frankly, you are not a good person.'' He paused for effect. `` You did receive our letter? Your Virtue Score is well below the bank's cut-off point. Nobody gives loans to the double-digits. We ca n't count on you to repay your loan, because-'' 
 
 `` That's ridiculous!'' I broke in. `` I'll pay you back, I can do it! I told you a million times, I've got a steady job, I can show you my-'' 
 
 *'' - because,'' * the main in the black suit continued icily, `` confounding factors aside - your Virtue Score indicates you are... less than trustworthy, and no credible financial institute is going to take on a high-risk low-yield asset. This would all have been explained in the form letter. Are we done here?'' 
 
 I slumped back down in my chair. Somewhere beyond my back, Rebecca tsked. `` You may have taken notice of my client's spotless criminal record, to say nothing of the glowing job performance evaluations or the valor certificates. Do these count for nothing?'' 
 
 The agent pursed his lips. `` The VirtuMetrics algorithm is n't quite this blunt. It considers a wide variety of- I should n't have to explain this. The method's proprietary.'' 
 
 Rebecca smiled a winning smile. I assumed. `` Please, walk us through. Just for the record.'' 
 
 `` Very well.'' The VirtuMetrics rubbed his temples, causing his sleeves to fall back. He wore a thin silver band bearing the stylised'Club 150+' emblem. I absently rubbed my own wrist. `` The virtue scoring system was established under the Just World initiative back in the'20s.'' He had clearly given this speech before. `` Terrible time. Crime running amok, drug cartels fighting open wars in the streets, jails bursting at the seams. President Smith finally put the boot in, declared some cities as sacrifice zones, had the Department of Information identify high-risk individuals, offenders and potential offenders and moved them there. And would n't you know it, crime plummeted everywhere else. The virtue zoning program grew out of that, and within a generation everyone was living in the neighborhood they deserved. But the system did n't scale well as population kept increasing. Computing a virtue score would take weeks because of all the interdepartmental work it involved. The whole system was privatised as a deficit-cutting measure in'42, we soon emerged as leader in a highly competitive market and have been providing accurate and *expedient* virtue scores ever since. Our algorithm's patented, proprietary and non-negotiable.'' 
 
 Rebecca politely waited for the agent to finish. We had rehearsed this, of course, but hearing my implied personal failures laid bare still hurt. `` Yes... I was wondering about that. Speaking of competition, it must've hurt your business when GovData went under.'' 
 
 The man paused. `` Well, it hurts to lose a system partner, but we weathered the storm just fine,'' he finally said. 
 
 `` Did n't Arthus win the auction for their database, though? And there's no way they're sharing that data with their overseas competition. I wonder how that affected your heuristics...'' 
 
 The agent clenched his fists. I felt something welling up in my chest. Not quite hope, but perhaps something close to it. 
 
 `` What are you implying?'' 
 
 Rebecca leaned forward, her voice all honey and glass shards. `` Are you are aware that, under the Community Reinvestment Act, it is illegal to deny loans based solely on the applicant's address?''
