For the loan delinquency data in Exercise 17.64 and listed in file XR17064, fit a multiplicative model and use it to estimate the delinquency rate for all insured commercial bank loans when the delinquency rates for credit cards and residential loans are 4.0% and 2.0%, respectively.
In exercise

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Year All Loans Credit Cards Residential Loans 2000 2.1896 2001 2.61 2002 2.69 2003 2.33 2004 1.80 2005 .57 2006 1.57 2007 2.06 4.50% 4.86 4.87 4.47 4.11 3.70 4.01 4.25 2.11% 2.29 2.11 1.83 1.55 1.55 1.73 2.57