Use the data le DemoKTC to conduct the following analysis.

a. Use hierarchical clustering with the matching coefficient as the similarity measure and the group average linkage as the clustering method to create nested clusters based on the Female, Married, Car Loan, and Mortgage variables as shown in Appendix 4.1. Specify the construction of 3 clusters. Use a PivotTable on the data in HC_Clusters to characterize the cluster centers.

b. Repeat part a, but use Jaccard's coefficient as the similarity measure.

c. Compare the clusters and explain your observations.