CAROC 2010 10-year MOF category from age, sex, femoral-neck T-score, and fragility or glucocorticoid flags. Basal low/moderate/high from printed T-score bands; hip or spine fragility or multiple fractures is high; fracture after 40 plus steroids is high; either flag alone bumps one class. Labels <10%, 10-20%, >20%. Not FRAX or a drug order. Not a medical device.

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