$12)$ You will predict the loan term, which is either $36$ or $60.$ For this purpose,

# first run the following code to convert $36$ to $"1",$ and $60$ to $"0".$

d$termCat $=$ factor$($ifelse$($d$term $==36,1,0))$

# Now your outcome variable to be predicted is termCat $($not term$).$

# a $)$ Construct a logistic regression model to predict the termCat using predictors:

# total$\_$income and total$\_$credit$\_$utilized

# b$)$ Make a prediction using your model for the following new customer.

# Is the prediction $36$ or $60$ months?

total$\_$income $=75000$

total$\_$credit$\_$utilized $=30000$

new.customer $=$ data.frame$($ total$\_$income $=75000,$ total$\_$credit$\_$utilized $=30000)$