Also: "Overall, the average out-of-sample accuracy was 68%..." (again, this does not control for demographics). I would not call it "prediction" when the "pre

Also: "Overall, the average out-of-sample accuracy was 68%..." (again, this does not control for demographics). I would not call it "prediction" when the "predictor" was trained on the data set you're testing it against. The out-of-sample number would be more fairly called prediction. It's unclear what the number would be for out-of-sample accuracy corrected for demographics, but we could extrapolate a guess of 64%.