1. A computer-implemented method comprising: inputting a data set comprising a plurality of records, each record having a value for each of a plurality of raw non-transactional variables, the plurality of raw non-transactional variables comprising a numeric variable; determining whether one of a Gaussian and a log-Gaussian distribution better predicts the numeric variable, based on the plurality of records; and, outputting whether the one of the Gaussian and the log-Gaussian distribution better predicts the numeric variable.