Assess the client's loan status based on the following loan records from Lending Club. Respond with only 'good' or 'bad', and do not provide any additional information. For instance, 'The client has a stable income, no previous debts, and owns a property.' should be classified as 'good'. 
Text: 'The client has attributes as follows: The state of Installment is 436.55. The state of Loan Purpose is debt_consolidation. The state of Loan Application Type is Joint App. The state of Interest Rate is 18.45%. The state of Last Payment Amount is 436.55. The state of Loan Amount is 12000.0. The state of Revolving Balance is 36679.0. The state of Delinquency In 2 years is 0.0. The state of Inquiries In 6 Months is 0.0. The state of Mortgage Accounts is 0.0. The state of Grade is D. The state of Open Accounts is 12.0. The state of Revolving Utilization Rate is 63.5%. The state of Total Accounts is 26.0. The state of Fico Range Low is 680.0. The state of Fico Range High is 684.0. The state of Address State is UT. The state of Employment Length is < 1 year. The state of Home Ownership is OWN. The state of Verification Status is Not Verified. The state of Annual Income is 2000.0.' 
Answer:

Answer: bad