Hi,

I am working on a new credit portfolio optimization package. My question is
if it is more recommended to develop in S4 object oriented or S3.

It would be more naturally to develop in object oriented paradigm, but
there is many concerns regarding S4.

1) Performance of S4 could be an issue as a setter function, actually
changes the whole object behind the scenes.

2) Documentation. It has been really hard to find examples in S4. Most
books and articles consider straightforward S3 examples.

Thanks,

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