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,Income,Limit,Rating,Cards,Age,Education,Gender,Student,Married,Ethnicity,Balance
|
||||
1,14.891,3606,283,2,34,11, Male,No,Yes,Caucasian,333
|
||||
2,106.025,6645,483,3,82,15,Female,Yes,Yes,Asian,903
|
||||
3,104.593,7075,514,4,71,11, Male,No,No,Asian,580
|
||||
4,148.924,9504,681,3,36,11,Female,No,No,Asian,964
|
||||
5,55.882,4897,357,2,68,16, Male,No,Yes,Caucasian,331
|
||||
6,80.18,8047,569,4,77,10, Male,No,No,Caucasian,1151
|
||||
7,20.996,3388,259,2,37,12,Female,No,No,African American,203
|
||||
8,71.408,7114,512,2,87,9, Male,No,No,Asian,872
|
||||
9,15.125,3300,266,5,66,13,Female,No,No,Caucasian,279
|
||||
10,71.061,6819,491,3,41,19,Female,Yes,Yes,African American,1350
|
||||
11,63.095,8117,589,4,30,14, Male,No,Yes,Caucasian,1407
|
||||
12,15.045,1311,138,3,64,16, Male,No,No,Caucasian,0
|
||||
13,80.616,5308,394,1,57,7,Female,No,Yes,Asian,204
|
||||
14,43.682,6922,511,1,49,9, Male,No,Yes,Caucasian,1081
|
||||
15,19.144,3291,269,2,75,13,Female,No,No,African American,148
|
||||
16,20.089,2525,200,3,57,15,Female,No,Yes,African American,0
|
||||
17,53.598,3714,286,3,73,17,Female,No,Yes,African American,0
|
||||
18,36.496,4378,339,3,69,15,Female,No,Yes,Asian,368
|
||||
19,49.57,6384,448,1,28,9,Female,No,Yes,Asian,891
|
||||
20,42.079,6626,479,2,44,9, Male,No,No,Asian,1048
|
||||
21,17.7,2860,235,4,63,16,Female,No,No,Asian,89
|
||||
22,37.348,6378,458,1,72,17,Female,No,No,Caucasian,968
|
||||
23,20.103,2631,213,3,61,10, Male,No,Yes,African American,0
|
||||
24,64.027,5179,398,5,48,8, Male,No,Yes,African American,411
|
||||
25,10.742,1757,156,3,57,15,Female,No,No,Caucasian,0
|
||||
26,14.09,4323,326,5,25,16,Female,No,Yes,African American,671
|
||||
27,42.471,3625,289,6,44,12,Female,Yes,No,Caucasian,654
|
||||
28,32.793,4534,333,2,44,16, Male,No,No,African American,467
|
||||
29,186.634,13414,949,2,41,14,Female,No,Yes,African American,1809
|
||||
30,26.813,5611,411,4,55,16,Female,No,No,Caucasian,915
|
||||
31,34.142,5666,413,4,47,5,Female,No,Yes,Caucasian,863
|
||||
32,28.941,2733,210,5,43,16, Male,No,Yes,Asian,0
|
||||
33,134.181,7838,563,2,48,13,Female,No,No,Caucasian,526
|
||||
34,31.367,1829,162,4,30,10, Male,No,Yes,Caucasian,0
|
||||
35,20.15,2646,199,2,25,14,Female,No,Yes,Asian,0
|
||||
36,23.35,2558,220,3,49,12,Female,Yes,No,Caucasian,419
|
||||
37,62.413,6457,455,2,71,11,Female,No,Yes,Caucasian,762
|
||||
38,30.007,6481,462,2,69,9,Female,No,Yes,Caucasian,1093
|
||||
39,11.795,3899,300,4,25,10,Female,No,No,Caucasian,531
|
||||
40,13.647,3461,264,4,47,14, Male,No,Yes,Caucasian,344
|
||||
41,34.95,3327,253,3,54,14,Female,No,No,African American,50
|
||||
42,113.659,7659,538,2,66,15, Male,Yes,Yes,African American,1155
|
||||
43,44.158,4763,351,2,66,13,Female,No,Yes,Asian,385
|
||||
44,36.929,6257,445,1,24,14,Female,No,Yes,Asian,976
|
||||
45,31.861,6375,469,3,25,16,Female,No,Yes,Caucasian,1120
|
||||
46,77.38,7569,564,3,50,12,Female,No,Yes,Caucasian,997
|
||||
47,19.531,5043,376,2,64,16,Female,Yes,Yes,Asian,1241
|
||||
48,44.646,4431,320,2,49,15, Male,Yes,Yes,Caucasian,797
|
||||
49,44.522,2252,205,6,72,15, Male,No,Yes,Asian,0
|
||||
50,43.479,4569,354,4,49,13, Male,Yes,Yes,African American,902
|
||||
51,36.362,5183,376,3,49,15, Male,No,Yes,African American,654
|
||||
52,39.705,3969,301,2,27,20, Male,No,Yes,African American,211
|
||||
53,44.205,5441,394,1,32,12, Male,No,Yes,Caucasian,607
|
||||
54,16.304,5466,413,4,66,10, Male,No,Yes,Asian,957
|
||||
55,15.333,1499,138,2,47,9,Female,No,Yes,Asian,0
|
||||
56,32.916,1786,154,2,60,8,Female,No,Yes,Asian,0
|
||||
57,57.1,4742,372,7,79,18,Female,No,Yes,Asian,379
|
||||
58,76.273,4779,367,4,65,14,Female,No,Yes,Caucasian,133
|
||||
59,10.354,3480,281,2,70,17, Male,No,Yes,Caucasian,333
|
||||
60,51.872,5294,390,4,81,17,Female,No,No,Caucasian,531
|
||||
61,35.51,5198,364,2,35,20,Female,No,No,Asian,631
|
||||
62,21.238,3089,254,3,59,10,Female,No,No,Caucasian,108
|
||||
63,30.682,1671,160,2,77,7,Female,No,No,Caucasian,0
|
||||
64,14.132,2998,251,4,75,17, Male,No,No,Caucasian,133
|
||||
65,32.164,2937,223,2,79,15,Female,No,Yes,African American,0
|
||||
66,12,4160,320,4,28,14,Female,No,Yes,Caucasian,602
|
||||
67,113.829,9704,694,4,38,13,Female,No,Yes,Asian,1388
|
||||
68,11.187,5099,380,4,69,16,Female,No,No,African American,889
|
||||
69,27.847,5619,418,2,78,15,Female,No,Yes,Caucasian,822
|
||||
70,49.502,6819,505,4,55,14, Male,No,Yes,Caucasian,1084
|
||||
71,24.889,3954,318,4,75,12, Male,No,Yes,Caucasian,357
|
||||
72,58.781,7402,538,2,81,12,Female,No,Yes,Asian,1103
|
||||
73,22.939,4923,355,1,47,18,Female,No,Yes,Asian,663
|
||||
74,23.989,4523,338,4,31,15, Male,No,No,Caucasian,601
|
||||
75,16.103,5390,418,4,45,10,Female,No,Yes,Caucasian,945
|
||||
76,33.017,3180,224,2,28,16, Male,No,Yes,African American,29
|
||||
77,30.622,3293,251,1,68,16, Male,Yes,No,Caucasian,532
|
||||
78,20.936,3254,253,1,30,15,Female,No,No,Asian,145
|
||||
79,110.968,6662,468,3,45,11,Female,No,Yes,Caucasian,391
|
||||
80,15.354,2101,171,2,65,14, Male,No,No,Asian,0
|
||||
81,27.369,3449,288,3,40,9,Female,No,Yes,Caucasian,162
|
||||
82,53.48,4263,317,1,83,15, Male,No,No,Caucasian,99
|
||||
83,23.672,4433,344,3,63,11, Male,No,No,Caucasian,503
|
||||
84,19.225,1433,122,3,38,14,Female,No,No,Caucasian,0
|
||||
85,43.54,2906,232,4,69,11, Male,No,No,Caucasian,0
|
||||
86,152.298,12066,828,4,41,12,Female,No,Yes,Asian,1779
|
||||
87,55.367,6340,448,1,33,15, Male,No,Yes,Caucasian,815
|
||||
88,11.741,2271,182,4,59,12,Female,No,No,Asian,0
|
||||
89,15.56,4307,352,4,57,8, Male,No,Yes,African American,579
|
||||
90,59.53,7518,543,3,52,9,Female,No,No,African American,1176
|
||||
91,20.191,5767,431,4,42,16, Male,No,Yes,African American,1023
|
||||
92,48.498,6040,456,3,47,16, Male,No,Yes,Caucasian,812
|
||||
93,30.733,2832,249,4,51,13, Male,No,No,Caucasian,0
|
||||
94,16.479,5435,388,2,26,16, Male,No,No,African American,937
|
||||
95,38.009,3075,245,3,45,15,Female,No,No,African American,0
|
||||
96,14.084,855,120,5,46,17,Female,No,Yes,African American,0
|
||||
97,14.312,5382,367,1,59,17, Male,Yes,No,Asian,1380
|
||||
98,26.067,3388,266,4,74,17,Female,No,Yes,African American,155
|
||||
99,36.295,2963,241,2,68,14,Female,Yes,No,African American,375
|
||||
100,83.851,8494,607,5,47,18, Male,No,No,Caucasian,1311
|
||||
101,21.153,3736,256,1,41,11, Male,No,No,Caucasian,298
|
||||
102,17.976,2433,190,3,70,16,Female,Yes,No,Caucasian,431
|
||||
103,68.713,7582,531,2,56,16, Male,Yes,No,Caucasian,1587
|
||||
104,146.183,9540,682,6,66,15, Male,No,No,Caucasian,1050
|
||||
105,15.846,4768,365,4,53,12,Female,No,No,Caucasian,745
|
||||
106,12.031,3182,259,2,58,18,Female,No,Yes,Caucasian,210
|
||||
107,16.819,1337,115,2,74,15, Male,No,Yes,Asian,0
|
||||
108,39.11,3189,263,3,72,12, Male,No,No,Asian,0
|
||||
109,107.986,6033,449,4,64,14, Male,No,Yes,Caucasian,227
|
||||
110,13.561,3261,279,5,37,19, Male,No,Yes,Asian,297
|
||||
111,34.537,3271,250,3,57,17,Female,No,Yes,Asian,47
|
||||
112,28.575,2959,231,2,60,11,Female,No,No,African American,0
|
||||
113,46.007,6637,491,4,42,14, Male,No,Yes,Caucasian,1046
|
||||
114,69.251,6386,474,4,30,12,Female,No,Yes,Asian,768
|
||||
115,16.482,3326,268,4,41,15, Male,No,No,Caucasian,271
|
||||
116,40.442,4828,369,5,81,8,Female,No,No,African American,510
|
||||
117,35.177,2117,186,3,62,16,Female,No,No,Caucasian,0
|
||||
118,91.362,9113,626,1,47,17, Male,No,Yes,Asian,1341
|
||||
119,27.039,2161,173,3,40,17,Female,No,No,Caucasian,0
|
||||
120,23.012,1410,137,3,81,16, Male,No,No,Caucasian,0
|
||||
121,27.241,1402,128,2,67,15,Female,No,Yes,Asian,0
|
||||
122,148.08,8157,599,2,83,13, Male,No,Yes,Caucasian,454
|
||||
123,62.602,7056,481,1,84,11,Female,No,No,Caucasian,904
|
||||
124,11.808,1300,117,3,77,14,Female,No,No,African American,0
|
||||
125,29.564,2529,192,1,30,12,Female,No,Yes,Caucasian,0
|
||||
126,27.578,2531,195,1,34,15,Female,No,Yes,Caucasian,0
|
||||
127,26.427,5533,433,5,50,15,Female,Yes,Yes,Asian,1404
|
||||
128,57.202,3411,259,3,72,11,Female,No,No,Caucasian,0
|
||||
129,123.299,8376,610,2,89,17, Male,Yes,No,African American,1259
|
||||
130,18.145,3461,279,3,56,15, Male,No,Yes,African American,255
|
||||
131,23.793,3821,281,4,56,12,Female,Yes,Yes,African American,868
|
||||
132,10.726,1568,162,5,46,19, Male,No,Yes,Asian,0
|
||||
133,23.283,5443,407,4,49,13, Male,No,Yes,African American,912
|
||||
134,21.455,5829,427,4,80,12,Female,No,Yes,African American,1018
|
||||
135,34.664,5835,452,3,77,15,Female,No,Yes,African American,835
|
||||
136,44.473,3500,257,3,81,16,Female,No,No,African American,8
|
||||
137,54.663,4116,314,2,70,8,Female,No,No,African American,75
|
||||
138,36.355,3613,278,4,35,9, Male,No,Yes,Asian,187
|
||||
139,21.374,2073,175,2,74,11,Female,No,Yes,Caucasian,0
|
||||
140,107.841,10384,728,3,87,7, Male,No,No,African American,1597
|
||||
141,39.831,6045,459,3,32,12,Female,Yes,Yes,African American,1425
|
||||
142,91.876,6754,483,2,33,10, Male,No,Yes,Caucasian,605
|
||||
143,103.893,7416,549,3,84,17, Male,No,No,Asian,669
|
||||
144,19.636,4896,387,3,64,10,Female,No,No,African American,710
|
||||
145,17.392,2748,228,3,32,14, Male,No,Yes,Caucasian,68
|
||||
146,19.529,4673,341,2,51,14, Male,No,No,Asian,642
|
||||
147,17.055,5110,371,3,55,15,Female,No,Yes,Caucasian,805
|
||||
148,23.857,1501,150,3,56,16, Male,No,Yes,Caucasian,0
|
||||
149,15.184,2420,192,2,69,11,Female,No,Yes,Caucasian,0
|
||||
150,13.444,886,121,5,44,10, Male,No,Yes,Asian,0
|
||||
151,63.931,5728,435,3,28,14,Female,No,Yes,African American,581
|
||||
152,35.864,4831,353,3,66,13,Female,No,Yes,Caucasian,534
|
||||
153,41.419,2120,184,4,24,11,Female,Yes,No,Caucasian,156
|
||||
154,92.112,4612,344,3,32,17, Male,No,No,Caucasian,0
|
||||
155,55.056,3155,235,2,31,16, Male,No,Yes,African American,0
|
||||
156,19.537,1362,143,4,34,9,Female,No,Yes,Asian,0
|
||||
157,31.811,4284,338,5,75,13,Female,No,Yes,Caucasian,429
|
||||
158,56.256,5521,406,2,72,16,Female,Yes,Yes,Caucasian,1020
|
||||
159,42.357,5550,406,2,83,12,Female,No,Yes,Asian,653
|
||||
160,53.319,3000,235,3,53,13, Male,No,No,Asian,0
|
||||
161,12.238,4865,381,5,67,11,Female,No,No,Caucasian,836
|
||||
162,31.353,1705,160,3,81,14, Male,No,Yes,Caucasian,0
|
||||
163,63.809,7530,515,1,56,12, Male,No,Yes,Caucasian,1086
|
||||
164,13.676,2330,203,5,80,16,Female,No,No,African American,0
|
||||
165,76.782,5977,429,4,44,12, Male,No,Yes,Asian,548
|
||||
166,25.383,4527,367,4,46,11, Male,No,Yes,Caucasian,570
|
||||
167,35.691,2880,214,2,35,15, Male,No,No,African American,0
|
||||
168,29.403,2327,178,1,37,14,Female,No,Yes,Caucasian,0
|
||||
169,27.47,2820,219,1,32,11,Female,No,Yes,Asian,0
|
||||
170,27.33,6179,459,4,36,12,Female,No,Yes,Caucasian,1099
|
||||
171,34.772,2021,167,3,57,9, Male,No,No,Asian,0
|
||||
172,36.934,4270,299,1,63,9,Female,No,Yes,Caucasian,283
|
||||
173,76.348,4697,344,4,60,18, Male,No,No,Asian,108
|
||||
174,14.887,4745,339,3,58,12, Male,No,Yes,African American,724
|
||||
175,121.834,10673,750,3,54,16, Male,No,No,African American,1573
|
||||
176,30.132,2168,206,3,52,17, Male,No,No,Caucasian,0
|
||||
177,24.05,2607,221,4,32,18, Male,No,Yes,Caucasian,0
|
||||
178,22.379,3965,292,2,34,14,Female,No,Yes,Asian,384
|
||||
179,28.316,4391,316,2,29,10,Female,No,No,Caucasian,453
|
||||
180,58.026,7499,560,5,67,11,Female,No,No,Caucasian,1237
|
||||
181,10.635,3584,294,5,69,16, Male,No,Yes,Asian,423
|
||||
182,46.102,5180,382,3,81,12, Male,No,Yes,African American,516
|
||||
183,58.929,6420,459,2,66,9,Female,No,Yes,African American,789
|
||||
184,80.861,4090,335,3,29,15,Female,No,Yes,Asian,0
|
||||
185,158.889,11589,805,1,62,17,Female,No,Yes,Caucasian,1448
|
||||
186,30.42,4442,316,1,30,14,Female,No,No,African American,450
|
||||
187,36.472,3806,309,2,52,13, Male,No,No,African American,188
|
||||
188,23.365,2179,167,2,75,15, Male,No,No,Asian,0
|
||||
189,83.869,7667,554,2,83,11, Male,No,No,African American,930
|
||||
190,58.351,4411,326,2,85,16,Female,No,Yes,Caucasian,126
|
||||
191,55.187,5352,385,4,50,17,Female,No,Yes,Caucasian,538
|
||||
192,124.29,9560,701,3,52,17,Female,Yes,No,Asian,1687
|
||||
193,28.508,3933,287,4,56,14, Male,No,Yes,Asian,336
|
||||
194,130.209,10088,730,7,39,19,Female,No,Yes,Caucasian,1426
|
||||
195,30.406,2120,181,2,79,14, Male,No,Yes,African American,0
|
||||
196,23.883,5384,398,2,73,16,Female,No,Yes,African American,802
|
||||
197,93.039,7398,517,1,67,12, Male,No,Yes,African American,749
|
||||
198,50.699,3977,304,2,84,17,Female,No,No,African American,69
|
||||
199,27.349,2000,169,4,51,16,Female,No,Yes,African American,0
|
||||
200,10.403,4159,310,3,43,7, Male,No,Yes,Asian,571
|
||||
201,23.949,5343,383,2,40,18, Male,No,Yes,African American,829
|
||||
202,73.914,7333,529,6,67,15,Female,No,Yes,Caucasian,1048
|
||||
203,21.038,1448,145,2,58,13,Female,No,Yes,Caucasian,0
|
||||
204,68.206,6784,499,5,40,16,Female,Yes,No,African American,1411
|
||||
205,57.337,5310,392,2,45,7,Female,No,No,Caucasian,456
|
||||
206,10.793,3878,321,8,29,13, Male,No,No,Caucasian,638
|
||||
207,23.45,2450,180,2,78,13, Male,No,No,Caucasian,0
|
||||
208,10.842,4391,358,5,37,10,Female,Yes,Yes,Caucasian,1216
|
||||
209,51.345,4327,320,3,46,15, Male,No,No,African American,230
|
||||
210,151.947,9156,642,2,91,11,Female,No,Yes,African American,732
|
||||
211,24.543,3206,243,2,62,12,Female,No,Yes,Caucasian,95
|
||||
212,29.567,5309,397,3,25,15, Male,No,No,Caucasian,799
|
||||
213,39.145,4351,323,2,66,13, Male,No,Yes,Caucasian,308
|
||||
214,39.422,5245,383,2,44,19, Male,No,No,African American,637
|
||||
215,34.909,5289,410,2,62,16,Female,No,Yes,Caucasian,681
|
||||
216,41.025,4229,337,3,79,19,Female,No,Yes,Caucasian,246
|
||||
217,15.476,2762,215,3,60,18, Male,No,No,Asian,52
|
||||
218,12.456,5395,392,3,65,14, Male,No,Yes,Caucasian,955
|
||||
219,10.627,1647,149,2,71,10,Female,Yes,Yes,Asian,195
|
||||
220,38.954,5222,370,4,76,13,Female,No,No,Caucasian,653
|
||||
221,44.847,5765,437,3,53,13,Female,Yes,No,Asian,1246
|
||||
222,98.515,8760,633,5,78,11,Female,No,No,African American,1230
|
||||
223,33.437,6207,451,4,44,9, Male,Yes,No,Caucasian,1549
|
||||
224,27.512,4613,344,5,72,17, Male,No,Yes,Asian,573
|
||||
225,121.709,7818,584,4,50,6, Male,No,Yes,Caucasian,701
|
||||
226,15.079,5673,411,4,28,15,Female,No,Yes,Asian,1075
|
||||
227,59.879,6906,527,6,78,15,Female,No,No,Caucasian,1032
|
||||
228,66.989,5614,430,3,47,14,Female,No,Yes,Caucasian,482
|
||||
229,69.165,4668,341,2,34,11,Female,No,No,African American,156
|
||||
230,69.943,7555,547,3,76,9, Male,No,Yes,Asian,1058
|
||||
231,33.214,5137,387,3,59,9, Male,No,No,African American,661
|
||||
232,25.124,4776,378,4,29,12, Male,No,Yes,Caucasian,657
|
||||
233,15.741,4788,360,1,39,14, Male,No,Yes,Asian,689
|
||||
234,11.603,2278,187,3,71,11, Male,No,Yes,Caucasian,0
|
||||
235,69.656,8244,579,3,41,14, Male,No,Yes,African American,1329
|
||||
236,10.503,2923,232,3,25,18,Female,No,Yes,African American,191
|
||||
237,42.529,4986,369,2,37,11, Male,No,Yes,Asian,489
|
||||
238,60.579,5149,388,5,38,15, Male,No,Yes,Asian,443
|
||||
239,26.532,2910,236,6,58,19,Female,No,Yes,Caucasian,52
|
||||
240,27.952,3557,263,1,35,13,Female,No,Yes,Asian,163
|
||||
241,29.705,3351,262,5,71,14,Female,No,Yes,Asian,148
|
||||
242,15.602,906,103,2,36,11, Male,No,Yes,African American,0
|
||||
243,20.918,1233,128,3,47,18,Female,Yes,Yes,Asian,16
|
||||
244,58.165,6617,460,1,56,12,Female,No,Yes,Caucasian,856
|
||||
245,22.561,1787,147,4,66,15,Female,No,No,Caucasian,0
|
||||
246,34.509,2001,189,5,80,18,Female,No,Yes,African American,0
|
||||
247,19.588,3211,265,4,59,14,Female,No,No,Asian,199
|
||||
248,36.364,2220,188,3,50,19, Male,No,No,Caucasian,0
|
||||
249,15.717,905,93,1,38,16, Male,Yes,Yes,Caucasian,0
|
||||
250,22.574,1551,134,3,43,13,Female,Yes,Yes,Caucasian,98
|
||||
251,10.363,2430,191,2,47,18,Female,No,Yes,Asian,0
|
||||
252,28.474,3202,267,5,66,12, Male,No,Yes,Caucasian,132
|
||||
253,72.945,8603,621,3,64,8,Female,No,No,Caucasian,1355
|
||||
254,85.425,5182,402,6,60,12, Male,No,Yes,African American,218
|
||||
255,36.508,6386,469,4,79,6,Female,No,Yes,Caucasian,1048
|
||||
256,58.063,4221,304,3,50,8, Male,No,No,African American,118
|
||||
257,25.936,1774,135,2,71,14,Female,No,No,Asian,0
|
||||
258,15.629,2493,186,1,60,14, Male,No,Yes,Asian,0
|
||||
259,41.4,2561,215,2,36,14, Male,No,Yes,Caucasian,0
|
||||
260,33.657,6196,450,6,55,9,Female,No,No,Caucasian,1092
|
||||
261,67.937,5184,383,4,63,12, Male,No,Yes,Asian,345
|
||||
262,180.379,9310,665,3,67,8,Female,Yes,Yes,Asian,1050
|
||||
263,10.588,4049,296,1,66,13,Female,No,Yes,Caucasian,465
|
||||
264,29.725,3536,270,2,52,15,Female,No,No,African American,133
|
||||
265,27.999,5107,380,1,55,10, Male,No,Yes,Caucasian,651
|
||||
266,40.885,5013,379,3,46,13,Female,No,Yes,African American,549
|
||||
267,88.83,4952,360,4,86,16,Female,No,Yes,Caucasian,15
|
||||
268,29.638,5833,433,3,29,15,Female,No,Yes,Asian,942
|
||||
269,25.988,1349,142,4,82,12, Male,No,No,Caucasian,0
|
||||
270,39.055,5565,410,4,48,18,Female,No,Yes,Caucasian,772
|
||||
271,15.866,3085,217,1,39,13, Male,No,No,Caucasian,136
|
||||
272,44.978,4866,347,1,30,10,Female,No,No,Caucasian,436
|
||||
273,30.413,3690,299,2,25,15,Female,Yes,No,Asian,728
|
||||
274,16.751,4706,353,6,48,14, Male,Yes,No,Asian,1255
|
||||
275,30.55,5869,439,5,81,9,Female,No,No,African American,967
|
||||
276,163.329,8732,636,3,50,14, Male,No,Yes,Caucasian,529
|
||||
277,23.106,3476,257,2,50,15,Female,No,No,Caucasian,209
|
||||
278,41.532,5000,353,2,50,12, Male,No,Yes,Caucasian,531
|
||||
279,128.04,6982,518,2,78,11,Female,No,Yes,Caucasian,250
|
||||
280,54.319,3063,248,3,59,8,Female,Yes,No,Caucasian,269
|
||||
281,53.401,5319,377,3,35,12,Female,No,No,African American,541
|
||||
282,36.142,1852,183,3,33,13,Female,No,No,African American,0
|
||||
283,63.534,8100,581,2,50,17,Female,No,Yes,Caucasian,1298
|
||||
284,49.927,6396,485,3,75,17,Female,No,Yes,Caucasian,890
|
||||
285,14.711,2047,167,2,67,6, Male,No,Yes,Caucasian,0
|
||||
286,18.967,1626,156,2,41,11,Female,No,Yes,Asian,0
|
||||
287,18.036,1552,142,2,48,15,Female,No,No,Caucasian,0
|
||||
288,60.449,3098,272,4,69,8, Male,No,Yes,Caucasian,0
|
||||
289,16.711,5274,387,3,42,16,Female,No,Yes,Asian,863
|
||||
290,10.852,3907,296,2,30,9, Male,No,No,Caucasian,485
|
||||
291,26.37,3235,268,5,78,11, Male,No,Yes,Asian,159
|
||||
292,24.088,3665,287,4,56,13,Female,No,Yes,Caucasian,309
|
||||
293,51.532,5096,380,2,31,15, Male,No,Yes,Caucasian,481
|
||||
294,140.672,11200,817,7,46,9, Male,No,Yes,African American,1677
|
||||
295,42.915,2532,205,4,42,13, Male,No,Yes,Asian,0
|
||||
296,27.272,1389,149,5,67,10,Female,No,Yes,Caucasian,0
|
||||
297,65.896,5140,370,1,49,17,Female,No,Yes,Caucasian,293
|
||||
298,55.054,4381,321,3,74,17, Male,No,Yes,Asian,188
|
||||
299,20.791,2672,204,1,70,18,Female,No,No,African American,0
|
||||
300,24.919,5051,372,3,76,11,Female,No,Yes,African American,711
|
||||
301,21.786,4632,355,1,50,17, Male,No,Yes,Caucasian,580
|
||||
302,31.335,3526,289,3,38,7,Female,No,No,Caucasian,172
|
||||
303,59.855,4964,365,1,46,13,Female,No,Yes,Caucasian,295
|
||||
304,44.061,4970,352,1,79,11, Male,No,Yes,African American,414
|
||||
305,82.706,7506,536,2,64,13,Female,No,Yes,Asian,905
|
||||
306,24.46,1924,165,2,50,14,Female,No,Yes,Asian,0
|
||||
307,45.12,3762,287,3,80,8, Male,No,Yes,Caucasian,70
|
||||
308,75.406,3874,298,3,41,14,Female,No,Yes,Asian,0
|
||||
309,14.956,4640,332,2,33,6, Male,No,No,Asian,681
|
||||
310,75.257,7010,494,3,34,18,Female,No,Yes,Caucasian,885
|
||||
311,33.694,4891,369,1,52,16, Male,Yes,No,African American,1036
|
||||
312,23.375,5429,396,3,57,15,Female,No,Yes,Caucasian,844
|
||||
313,27.825,5227,386,6,63,11, Male,No,Yes,Caucasian,823
|
||||
314,92.386,7685,534,2,75,18,Female,No,Yes,Asian,843
|
||||
315,115.52,9272,656,2,69,14, Male,No,No,African American,1140
|
||||
316,14.479,3907,296,3,43,16, Male,No,Yes,Caucasian,463
|
||||
317,52.179,7306,522,2,57,14, Male,No,No,Asian,1142
|
||||
318,68.462,4712,340,2,71,16, Male,No,Yes,Caucasian,136
|
||||
319,18.951,1485,129,3,82,13,Female,No,No,Caucasian,0
|
||||
320,27.59,2586,229,5,54,16, Male,No,Yes,African American,0
|
||||
321,16.279,1160,126,3,78,13, Male,Yes,Yes,African American,5
|
||||
322,25.078,3096,236,2,27,15,Female,No,Yes,Caucasian,81
|
||||
323,27.229,3484,282,6,51,11, Male,No,No,Caucasian,265
|
||||
324,182.728,13913,982,4,98,17, Male,No,Yes,Caucasian,1999
|
||||
325,31.029,2863,223,2,66,17, Male,Yes,Yes,Asian,415
|
||||
326,17.765,5072,364,1,66,12,Female,No,Yes,Caucasian,732
|
||||
327,125.48,10230,721,3,82,16, Male,No,Yes,Caucasian,1361
|
||||
328,49.166,6662,508,3,68,14,Female,No,No,Asian,984
|
||||
329,41.192,3673,297,3,54,16,Female,No,Yes,Caucasian,121
|
||||
330,94.193,7576,527,2,44,16,Female,No,Yes,Caucasian,846
|
||||
331,20.405,4543,329,2,72,17, Male,Yes,No,Asian,1054
|
||||
332,12.581,3976,291,2,48,16, Male,No,Yes,Caucasian,474
|
||||
333,62.328,5228,377,3,83,15, Male,No,No,Caucasian,380
|
||||
334,21.011,3402,261,2,68,17, Male,No,Yes,African American,182
|
||||
335,24.23,4756,351,2,64,15,Female,No,Yes,Caucasian,594
|
||||
336,24.314,3409,270,2,23,7,Female,No,Yes,Caucasian,194
|
||||
337,32.856,5884,438,4,68,13, Male,No,No,Caucasian,926
|
||||
338,12.414,855,119,3,32,12, Male,No,Yes,African American,0
|
||||
339,41.365,5303,377,1,45,14, Male,No,No,Caucasian,606
|
||||
340,149.316,10278,707,1,80,16, Male,No,No,African American,1107
|
||||
341,27.794,3807,301,4,35,8,Female,No,Yes,African American,320
|
||||
342,13.234,3922,299,2,77,17,Female,No,Yes,Caucasian,426
|
||||
343,14.595,2955,260,5,37,9, Male,No,Yes,African American,204
|
||||
344,10.735,3746,280,2,44,17,Female,No,Yes,Caucasian,410
|
||||
345,48.218,5199,401,7,39,10, Male,No,Yes,Asian,633
|
||||
346,30.012,1511,137,2,33,17, Male,No,Yes,Caucasian,0
|
||||
347,21.551,5380,420,5,51,18, Male,No,Yes,Asian,907
|
||||
348,160.231,10748,754,2,69,17, Male,No,No,Caucasian,1192
|
||||
349,13.433,1134,112,3,70,14, Male,No,Yes,Caucasian,0
|
||||
350,48.577,5145,389,3,71,13,Female,No,Yes,Asian,503
|
||||
351,30.002,1561,155,4,70,13,Female,No,Yes,Caucasian,0
|
||||
352,61.62,5140,374,1,71,9, Male,No,Yes,Caucasian,302
|
||||
353,104.483,7140,507,2,41,14, Male,No,Yes,African American,583
|
||||
354,41.868,4716,342,2,47,18, Male,No,No,Caucasian,425
|
||||
355,12.068,3873,292,1,44,18,Female,No,Yes,Asian,413
|
||||
356,180.682,11966,832,2,58,8,Female,No,Yes,African American,1405
|
||||
357,34.48,6090,442,3,36,14, Male,No,No,Caucasian,962
|
||||
358,39.609,2539,188,1,40,14, Male,No,Yes,Asian,0
|
||||
359,30.111,4336,339,1,81,18, Male,No,Yes,Caucasian,347
|
||||
360,12.335,4471,344,3,79,12, Male,No,Yes,African American,611
|
||||
361,53.566,5891,434,4,82,10,Female,No,No,Caucasian,712
|
||||
362,53.217,4943,362,2,46,16,Female,No,Yes,Asian,382
|
||||
363,26.162,5101,382,3,62,19,Female,No,No,African American,710
|
||||
364,64.173,6127,433,1,80,10, Male,No,Yes,Caucasian,578
|
||||
365,128.669,9824,685,3,67,16, Male,No,Yes,Asian,1243
|
||||
366,113.772,6442,489,4,69,15, Male,Yes,Yes,Caucasian,790
|
||||
367,61.069,7871,564,3,56,14, Male,No,Yes,Caucasian,1264
|
||||
368,23.793,3615,263,2,70,14, Male,No,No,African American,216
|
||||
369,89,5759,440,3,37,6,Female,No,No,Caucasian,345
|
||||
370,71.682,8028,599,3,57,16, Male,No,Yes,Caucasian,1208
|
||||
371,35.61,6135,466,4,40,12, Male,No,No,Caucasian,992
|
||||
372,39.116,2150,173,4,75,15, Male,No,No,Caucasian,0
|
||||
373,19.782,3782,293,2,46,16,Female,Yes,No,Caucasian,840
|
||||
374,55.412,5354,383,2,37,16,Female,Yes,Yes,Caucasian,1003
|
||||
375,29.4,4840,368,3,76,18,Female,No,Yes,Caucasian,588
|
||||
376,20.974,5673,413,5,44,16,Female,No,Yes,Caucasian,1000
|
||||
377,87.625,7167,515,2,46,10,Female,No,No,African American,767
|
||||
378,28.144,1567,142,3,51,10, Male,No,Yes,Caucasian,0
|
||||
379,19.349,4941,366,1,33,19, Male,No,Yes,Caucasian,717
|
||||
380,53.308,2860,214,1,84,10, Male,No,Yes,Caucasian,0
|
||||
381,115.123,7760,538,3,83,14,Female,No,No,African American,661
|
||||
382,101.788,8029,574,2,84,11, Male,No,Yes,Caucasian,849
|
||||
383,24.824,5495,409,1,33,9, Male,Yes,No,Caucasian,1352
|
||||
384,14.292,3274,282,9,64,9, Male,No,Yes,Caucasian,382
|
||||
385,20.088,1870,180,3,76,16, Male,No,No,African American,0
|
||||
386,26.4,5640,398,3,58,15,Female,No,No,Asian,905
|
||||
387,19.253,3683,287,4,57,10, Male,No,No,African American,371
|
||||
388,16.529,1357,126,3,62,9, Male,No,No,Asian,0
|
||||
389,37.878,6827,482,2,80,13,Female,No,No,Caucasian,1129
|
||||
390,83.948,7100,503,2,44,18, Male,No,No,Caucasian,806
|
||||
391,135.118,10578,747,3,81,15,Female,No,Yes,Asian,1393
|
||||
392,73.327,6555,472,2,43,15,Female,No,No,Caucasian,721
|
||||
393,25.974,2308,196,2,24,10, Male,No,No,Asian,0
|
||||
394,17.316,1335,138,2,65,13, Male,No,No,African American,0
|
||||
395,49.794,5758,410,4,40,8, Male,No,No,Caucasian,734
|
||||
396,12.096,4100,307,3,32,13, Male,No,Yes,Caucasian,560
|
||||
397,13.364,3838,296,5,65,17, Male,No,No,African American,480
|
||||
398,57.872,4171,321,5,67,12,Female,No,Yes,Caucasian,138
|
||||
399,37.728,2525,192,1,44,13, Male,No,Yes,Caucasian,0
|
||||
400,18.701,5524,415,5,64,7,Female,No,No,Asian,966
|
|
|
@ -0,0 +1,15 @@
|
|||
"Credit.csv" data description
|
||||
|
||||
Column Variable name Description
|
||||
A " " Identifier
|
||||
B Income Income in $000
|
||||
C Limit Credit limit in $
|
||||
D Rating Credit rating score given at the issue of the most recent credit card
|
||||
E Cards Number of credit cards held
|
||||
F Age Age of the individual in years
|
||||
G Education Years of education
|
||||
H Gender Gender - recorded as Male or Female
|
||||
I Student Yes = student; No = non-student
|
||||
J Married Yes = married; No = not married
|
||||
K Ethnicity Recorded as Caucasian, Asian or African American
|
||||
L Balance Balance of credit account in $
|
|
@ -0,0 +1,158 @@
|
|||
#####################################################
|
||||
#Reading in the Credit data
|
||||
#####################################################
|
||||
data = read.csv("Credit.csv", header = TRUE, sep=",")
|
||||
|
||||
#####################################################
|
||||
#Model #1: All numerical variables
|
||||
|
||||
#####################################################
|
||||
fit1<-lm(Balance~Income+Limit+Rating+Cards+Age+Education,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit1)
|
||||
|
||||
# creating a dummy variable for Gender
|
||||
gender_dummy <- ifelse(data$Gender == 'Female', 1, 0)
|
||||
|
||||
# creating a dummy variable for Married
|
||||
married_dummy <- ifelse(data$Married == 'Yes', 1, 0)
|
||||
|
||||
# creating a dummy variable for Student
|
||||
student_dummy <- ifelse(data$Student == 'Yes', 1, 0)
|
||||
|
||||
# adding the dummy variables to the dataframe
|
||||
data[,13] = gender_dummy #V13
|
||||
data[,14] = married_dummy #V14
|
||||
data[,15] = student_dummy #V15
|
||||
|
||||
#####################################################
|
||||
#Model #2: With dummy variables
|
||||
|
||||
#####################################################
|
||||
fit2<-lm(Balance~Income+Limit+Rating+Cards+Age+Education+V13+V14+V15,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit2)
|
||||
|
||||
# creating a dummy variable for Asian Ethinicity
|
||||
asian_dummy <- ifelse(data$Ethnicity == 'Asian', 1, 0)
|
||||
|
||||
# creating a dummy variable for African Ethinicity
|
||||
african_dummy <- ifelse(data$Ethnicity == 'African American', 1, 0)
|
||||
|
||||
data[,16] = asian_dummy #V16
|
||||
data[,17] = african_dummy #V17
|
||||
|
||||
#####################################################
|
||||
#Model #3: With dummy variables (ethinicity)
|
||||
|
||||
#####################################################
|
||||
fit3<-lm(Balance~Income+Limit+Rating+Cards+Age+Education+V13+V14+V15+V16+V17,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit3)
|
||||
|
||||
#plot scatter of residuals vs Income
|
||||
plot(fit3$residuals~Income,data=data)
|
||||
abline(h=0)
|
||||
|
||||
#plot scatter of residuals vs Limit
|
||||
plot(fit3$residuals~Limit,data=data)
|
||||
abline(h=0)
|
||||
|
||||
#plot scatter of residuals vs Rating
|
||||
plot(fit3$residuals~Rating,data=data)
|
||||
abline(h=0)
|
||||
|
||||
#plot scatter of residuals vs Cards
|
||||
plot(fit3$residuals~Cards,data=data)
|
||||
abline(h=0)
|
||||
|
||||
#plot scatter of residuals vs V15
|
||||
plot(fit3$residuals~V15,data=data)
|
||||
abline(h=0)
|
||||
|
||||
#plot scatter of residuals vs Age
|
||||
plot(fit3$residuals~Age,data=data)
|
||||
abline(h=0)
|
||||
|
||||
#####################################################
|
||||
#Defining a function for the wald test - require MASS library
|
||||
#H0: RB=c vs Ha: RB!=c
|
||||
#R=the R matrix
|
||||
#B=the estimated coefficients
|
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#S=the covariance matrix of B
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#c=the vector of constants
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#####################################################
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library(MASS)
|
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wald<-function(R,B,S,c){
|
||||
stats<-matrix(0,1,2)
|
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dif=(R%*%B-c)
|
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VV=R%*%(S)%*%t(R)
|
||||
W=t(dif)%*%ginv(VV)%*%dif
|
||||
stats[1]=W
|
||||
stats[2]=pchisq(W,nrow(c),lower.tail=FALSE)
|
||||
colnames(stats)<-c("Wald stat","p-value")
|
||||
return(stats)
|
||||
}
|
||||
|
||||
#define inputs to the wald test - joint significance of the three slope parameters
|
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RR=cbind(rbind(0,0,0,0,0,0,0,0,0,0,0),diag(11))
|
||||
cc=rbind(0,0,0,0,0,0,0,0,0,0,0)
|
||||
bhat=(fit3$coefficients)
|
||||
Shat=vcov(fit3)
|
||||
wald1=wald(RR,bhat,Shat,cc)
|
||||
wald1
|
||||
|
||||
###########################################################
|
||||
#constructing quadratic terms for age, cards, limit
|
||||
###########################################################
|
||||
data[,18]=data$Age^2
|
||||
names(data)[names(data)=="V18"] <- "age2"
|
||||
|
||||
data[,19]=data$Cards^2
|
||||
names(data)[names(data)=="V19"] <- "cards2"
|
||||
|
||||
data[,20]=data$Limit^2
|
||||
names(data)[names(data)=="V20"] <- "limit2"
|
||||
|
||||
#####################################################
|
||||
#Model #4: Updated with transformations and multicolineariy
|
||||
|
||||
#####################################################
|
||||
fit4<-lm(Balance~Income+Limit+Cards+Age+Education+V13+V14+V15+age2+cards2+limit2,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit4)
|
||||
|
||||
|
||||
#####################################################
|
||||
#Analysis : Factors affecting credit balance
|
||||
# Income | Limit | Cards | Age | Student | Limit^2
|
||||
#####################################################
|
||||
#Modelling interactions - context!
|
||||
|
||||
#####################################################
|
||||
data[,21]=data$Limit*data$Cards
|
||||
names(data)[names(data)=="V21"] <- "LimitxCards"
|
||||
data[,22]=data$limit2*data$Cards
|
||||
names(data)[names(data)=="V22"] <- "Limit2xCards"
|
||||
|
||||
# Step 1
|
||||
fit_step1<-lm(Balance~Income+Limit+Cards+Age+V15+limit2+LimitxCards+Limit2xCards,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit_step1)
|
||||
|
||||
# Step 2
|
||||
fit_step2<-lm(Balance~Income+Limit+Age+V15+limit2+LimitxCards+Limit2xCards,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit_step2)
|
||||
|
||||
# Step 3
|
||||
fit_step3<-lm(Balance~Income+Limit+Age+V15+limit2+LimitxCards,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit_step3)
|
||||
|
||||
# Step 4
|
||||
fit_step4<-lm(Balance~Income+Limit+V15+limit2+LimitxCards,data=data)
|
||||
#look at the summary of the linear model fit
|
||||
summary(fit_step4)
|
||||
|
||||
step(fit_step4)
|
Loading…
Reference in New Issue