1. Run multiple regression analysis

2. Adjusted R square is _________. It means ______________.

3. Statistically significant coefficients are _______________________.

4. Interpret each coefficient which is statistically significant.

Then, complete steps 1 - 5 shown in the last image.

A id 1 2 3 4 5 6 8 7 9 8 10 9 11 10 12 11 13 12 14 13 15 14 16 15 17 16 18 17 19 18 20 19 21 20 22 21 23 22 24 23 25 24 26 25 27 26 28 27 29 28 30 29 31 30 32 31 33 32 34 33 35 34 36 35 37 36 38 37 39 38 40 39 41 40 42 41 43 42 44 43 45 44 46 45 47 46 48 47 49 48 50 49 51 50 52 51 53 52 54 53 55 54 56 55 57 56 58 57 1 2 3 4 5 6 7 B customer type 1 to 5 years Over 5 years Over 5 years Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Over 5 years Less than 1 year Less than 1 year Over 5 years 1 to 5 years Over 5 years 1 to 5 years 1 to 5 years 1 to 5 years Over 5 years Less than 1 year Over 5 years 1 to 5 years Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Over 5 years Less than 1 year Less than 1 year Less than 1 year Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years Over 5 years 1 to 5 years Less than 1 year 1 to 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years. Over 5 years Less than 1 year Over 5 years Over 5 years Less than 1 year 1 to 5 years Over 5 years 1 to 5 years firm size Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) D product quality 8.5 8.2 9.2 6.4 9.0 6.5 6.9 6.2 5.8 6.4 8.7 6.1 9.5 9.2 6.3 8.7 5.7 5.9 5.6 9.1 5.2 9.6 8.6 9.3 6.0 6.4 8.5 7.0 8.5 7.6 6.9 8.1 6.7 8.0 6.7 8.7 9.0 9.6 8.2 6.1 8.3 9.4 9.3 5.1 8.0 5.9 8 5.7 9.9 7.9 6.7 8.2 9.4 6.9 8.0 9.3 7.4 E competitive pricing 6.8 5.3 4.5 8.8 6.8 8.5 8.9 6.9 9.3 8.4 6.8 8.2 7.6 7.1 8.8 4.9 6.2 8.4 9.1 8.4 8.4 4.5 3.7 6.2 8.0 7.1 4.8 9.0 4.8 7.7 5.2 6.6 9.2 8.7 8.4 5.6 6.8 7.7 9.0 8.2 9.1 8.5 7.4 5.9 5.2 8.4 3.8 8.2 6.8 4.7 7.2 5.3 6.3 5.2 8.7 7.4 9.6 F order&billing 5.0 3.9 5.4 4.3 4.5 3.6 2.1 4.3 4.4 4.1 3.8 3.0 5.1 4.5 4.8 4.3 4.2 5.7 5.0 4.5 3.3 4.3 4.8 6.7 4.7 5.6 5.3 4.3 5.7 4.7 3.7 3.0 3.5 4.7 2.5 3.1 3.9 5.2 4.7 4.5 4.6 4.1 4.6 4.9 4.3 5.2 5.0 6.5 4.5 4.1 4.0 4.5 4.7 3.2 4.9 4.1 5.7 G delivery speed 3.7 4.9 4.5 3.0 3.5 3.3 2.0 3.7 4.6 4.4 4.0 3.2 4.4 4.2 5.2 4.5 4.5 4.8 4.5 4.4 3.3 4.3 4.0 4.5 4.0 3.9 4.4 3.7 4.4 3.5 3.3 3.0 3.4 4.2 3.5 2.5 3.5 4.9 4.5 3.2 3.9 4.1 4.3 4.5 4.7 4.8 3.5 5.2 3.9 4.3 2.8 4.9 4.6 3.3 4.2 3.4 5.5 H purchase level 65.1 67.1 72.1 40.1 57.1 50.1 41.1 56.1 56.1 59.1 68.1 53.1 58.1 72.1 62.1 71.1 50.1 58.1 55.1 67.1 50.1 70.1 60.1 65.1 55.1 58.1 70.1 55.1 70.1 52.1 44.1 51.1 44.1 62.1 54.1 51.1 57.1 77.1 65.1 53.1 61.1 61.1 72.1 55.1 65.1 58.1 67.1 60.1 67.1 61.1 48.1 67.1 66.1 44.1 62.1 59.1 74.1 59 58 60 59 61 60 62 61 63 62 64 63 65 64 66 65 67 66 68 67 69 68 70 69 71 70 72 71 73 72 74 73 75 74 76 75 77 76 78 77 79 78 80 79 81 80 82 81 83 82 84 83 85 84 86 85 87 86 88 87 89 88 90 89 91 90 92 91 93 92 94 93 95 94 96 95 97 96 98 97 99 98 100 99 101 100 102 101 103 102 104 103 105 104 106 105 107 106 108 107 109 108 110 109 111 110 112 111 113 112 114 113 115 114 Over 5 years Over 5 years Over 5 years Over 5 years 1 to 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years 1 to 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year 1 to 5 years Over 5 years 1 to 5 years. Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Over 5 years Over 5 years 1 to 5 years Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years 1 to 5 years Over 5 years Less than 1 year Over 5 years Over 5 years Over 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Over 5 years 1 to 5 years Less than 1 year 1 to 5 years 1 to 5 years Over 5 years 1 to 5 years 1 to 5 years Less than 1 year Over 5 years Over 5 years 1 to 5 years Over 5 years Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) 7.6 8 9.9 8.7 8.4 8.8 7.7 6.6 5.7 5.7 5.5 7.5 6.4 9.1 6.7 6.5 9.9 8.5 9.9 7.6 9.4 9.3 7.1 9.9 8.7 8.6 6.4 7.7 7.5 5.0 7.7 9.1 5.5 9.1 7.1 9.2 9.3 9.3 8.6 7.4 8.7 7.8 7.9 7.6 9.2 7.7 9.5 6.5 8.3 9.6 5.9 8.7 6.7 9.7 8.8 8.2 8.9 4.4 3.8 5.4 4.9 6.7 5.8 6.2 7.2 8.2 6.2 6.0 7.6 7.1 8.4 5.0 8.7 6.8 6.8 4.9 7.4 8.5 4.6 7.8 4.9 6.8 6.3 8.4 5.9 7.6 8.2 5.9 8.3 6.3 7.3 9.9 7.1 4.6 7.4 6.7 7.2 5.6 7.9 9.7 7.7 7.3 7.7 7.6 8.7 9.1 7.7 8.4 3.8 5.0 6.7 6.7 9.0 8.2 4.6 3.7 5.6 5.4 2.7 4.4 3.3 3.5 4.7 5.0 4.5 4.0 4.7 5.4 2.9 4.6 4.1 4.4 3.1 4.5 4.3 5.2 2.6 3.2 4.3 2.7 2.0 4.7 3.4 2.4 5.1 4.6 5.5 4.4 2.0 4.4 4.8 3.6 4.9 4.2 3.1 4.3 3.4 3.1 5.1 4.0 5.6 5.0 4.2 4.4 5.8 4.6 3.8 3.7 4.0 4.5 4.2 4.0 3.5 4.0 4.5 3.6 2.9 2.6 2.8 5.2 4.5 4.3 3.4 3.9 4.4 3.1 4.6 3.9 3.7 3.8 3.9 4.1 4.6 2.7 3.8 4.0 3.0 1.6 4.3 3.4 3.1 4.3 3.9 4.9 3.3 2.4 4.2 4.6 3.4 3.6 3.7 2.5 3.9 3.5 3.5 4.2 3.7 4.4 4.6 3.9 4.9 5.4 4.2 3.1 4.1 3.9 4.5 4.2 58.1 67.1 61.1 71.1 63.1 44.1 47.1 48.1 60.1 50.1 48.1 51.1 58.1 67.1 43.1 66.1 66.1 65.1 63.1 49.1 61.1 72.1 44.1 63.1 68.1 53.1 37.1 52.1 51.1 48.1 52.1 59.1 59.1 58.1 51.1 72.1 72.1 59.1 50.1 48.1 51.1 61.1 57.1 52.1 71.1 59.1 58.1 66.1 61.1 77.1 62.1 61.1 43.1 66.1 69.1 65.1 65.1 116 115 117 116 118 117 119 118 120 119 121 120 122 121 123 122 124 123 125 124 126 125 127 126 128 127 129 128 130 129 131 130 131 132 133 132 134 133 135 134 136 135 137 136 138 137 139 138 140 139 141 140 142 141 143 142 144 143 145 144 146 145 147 146 148 147 149 148 150 149 151 150 152 151 153 152 154 153 155 154 156 155 157 156 158 157 159 158 160 159 161 160 162 161 163 162 164 163 165 164 166 165 167 166 168 167 169 168 170 169 171 170 172 171 1 to 5 years 1 to 5 years Over 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Less than 1 year 1 to 5 years Over 5 years Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years Over 5 years Over 5 years. Over 5 years Over 5 years Over 5 years Less than 1 year Over 5 years 1 to 5 years Less than 1 year Over 5 years 1 to 5 years Less than 1 year Over 5 years Less than 1 year Over 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year 1 to 5 years 1 to 5 years 1 to 5 years 1 to 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years Less than 1 year Less than 1 year Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Large (500+) 8.4 7.7 9.2 7.3 9.0 8.1 7.4 7.9 7.7 9.4 7.2 8.3 7.9 7.3 9.6 8.3 8.6 8.0 6.4 6.6 7.6 9.4 8.3 7.8 7.1 7.6 5.6 9.9 9.2 9.1 9.9 9.9 6.6 9.1 5.1 6.0 8.9 6.2 7.2 8.8 6.3 9.7 5.0 7.4 5.5 9.1 6.7 6.3 8.3 8.2 8.2 9.0 7.1 6.9 8.6 6.7 7.0 6.7 7.7 7.3 8.0 6.0 6.6 9.6 9.7 6.2 6.3 8 5.3 4.7 8.0 4.5 5.2 3.7 5.2 8.4 8.2 5.8 7.6 5.2 7.9 9.9 7.4 9.1 5.4 4.5 7.3 3.8 3.8 8.2 7.3 5.9 8.0 8.2 6.9 8 6.7 8.4 4.8 8.2 7.2 6.0 8.3 9.2 8.8 5.3 5.2 5.2 6.0 7.8 8.9 6.3 8.4 9.0 4.0 5.1 4.2 2.8 3.3 2.6 5.7 4.8 3.2 5.8 3.2 4.1 4.6 3.3 4.4 1.2 5.0 4.6 2.4 4.3 3.6 5.1 1.8 4.1 2.8 4.4 4.5 4.0 4.2 4.5 3.8 4.1 4.6 3.7 5.1 4.3 5.0 4.0 3.0 4.1 4.4 4.0 3.7 4.0 4.3 4.6 3.7 6.4 3.6 4.7 4.0 4.3 3.6 2.7 4.0 3.8 3.3 3.6 3.7 4.2 2.9 3.1 3.0 5.5 3.5 2.6 4.6 2.5 3.1 4.3 2.9 4.3 2.1 4.0 4.7 1.6 3.3 4.2 4.4 2.1 3.9 2.4 3.9 4.5 4.0 4.5 4.2 3.5 3.5 3.3 3.3 4.5 4.0 4.2 3.7 2.5 3.9 3.4 3.6 3.1 3.7 4.3 3.9 3.4 5.2 3.1 3.0 3.0 3.1 2.7 2.0 3.0 3.5 3.7 63.1 59.1 71.1 46.1 45.1 51.1 74.1 57.1 47.1 66.1 52.1 54.1 61.1 46.1 70.1 47.1 60.1 65.1 37.1 53.1 51.1 75.1 47.1 61.1 51.1 49.1 55.1 61.1 72.1 72.1 66.1 66.1 53.1 58.1 55.1 55.1 65.1 56.1 52.1 69.1 55.1 61.1 48.1 48.1 48.1 59.1 44.1 62.1 54.1 53.1 53.1 45.1 44.1 41.1 53.1 54.1 55.1 173 172 174 173 175 174 176 175 177 176 178 177 179 178 180 179 181 182 180 181 183 182 184 183 185 184 186 185 187 186 188 187 189 188 190 189 191 190 192 191 193 192 194 193 195 194 195 196 197 196 198 197 199 198 200 199 201 200 Over 5 years Over 5 years Less than 1 year Less than 1 year Over 5 years Over 5 years Over 5 years Over 5 years Over 5 years 1 to 5 years Over 5 years Over 5 years Over 5 years Over 5 years Over 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Less than 1 year Less than 1 year Less than 1 year Less than 1 year Over 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) 9.7 9.9 8.6 6.3 9.9 9.3 9.7 9.7 9.6 7.6 9.4 9.6 9.3 9.7 9.1 6.5 6.6 5.8 8.7 8.8 6.4 6.7 5.2 6.4 7.6 5.9 9.7 5.5 9.7 5.2 6.8 6.7 8.4 6.8 6.2 6.7 5.2 4.5 5.8 7.6 4.5 7.4 4.8 7.3 8.5 7.2 9.3 3.8 5.8 8.4 7.2 8.4 8.8 : 4.4 8.4 6.8 6.3 6.8 4.5 5.0 4.8 2.8 4.3 4.0 4.9 4.6 4.0 4.4 4.7 4.6 4.4 4.7 6.0 4.3 3.2 5.9 5.5 3.8 4.0 2.9 4.3 3.6 4.4 6.0 4.4 5.9 4.3 3.8 3.9 3.6 3.4 3.9 4.5 4.1 3.8 4.3 4.2 4.4 4.3 4.3 3.6 4.2 3.3 2.8 4.6 4.2 2.9 4.4 2.8 3.3 3.0 4.0 5.4 4.2 4.9 4.2 59.1 66.1 50.1 55.1 67.1 65.1 66.1 59.1 70.1 51.1 75.1 70.1 72.1 61.1 72.1 50.1 48.1 56.1 61.1 44.1 59.1 48.1 50.1 40.1 58.1 62.1 66.1 59.1 66.1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 A B Step 1 Step 2 Step 3 Step 4 Step 5 Group C E categorical variables customer type less than 1year 1 to 5 years over 5 years firm size large small how many dummy variabes needed customer type firm size select base levels customer type less than 1year 1 to 5 years over 5 years firm size large small dummy variables small firm less than 1yaer small firm 1 to 5 years small firm over 5 years large firm less than 1yaer large firm 1 to 5 years large firm over 5 years 0 F Dummy coding 0 G 0 H A id 1 2 3 4 5 6 8 7 9 8 10 9 11 10 12 11 13 12 14 13 15 14 16 15 17 16 18 17 19 18 20 19 21 20 22 21 23 22 24 23 25 24 26 25 27 26 28 27 29 28 30 29 31 30 32 31 33 32 34 33 35 34 36 35 37 36 38 37 39 38 40 39 41 40 42 41 43 42 44 43 45 44 46 45 47 46 48 47 49 48 50 49 51 50 52 51 53 52 54 53 55 54 56 55 57 56 58 57 1 2 3 4 5 6 7 B customer type 1 to 5 years Over 5 years Over 5 years Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Over 5 years Less than 1 year Less than 1 year Over 5 years 1 to 5 years Over 5 years 1 to 5 years 1 to 5 years 1 to 5 years Over 5 years Less than 1 year Over 5 years 1 to 5 years Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Over 5 years Less than 1 year Less than 1 year Less than 1 year Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years Over 5 years 1 to 5 years Less than 1 year 1 to 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years. Over 5 years Less than 1 year Over 5 years Over 5 years Less than 1 year 1 to 5 years Over 5 years 1 to 5 years firm size Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) D product quality 8.5 8.2 9.2 6.4 9.0 6.5 6.9 6.2 5.8 6.4 8.7 6.1 9.5 9.2 6.3 8.7 5.7 5.9 5.6 9.1 5.2 9.6 8.6 9.3 6.0 6.4 8.5 7.0 8.5 7.6 6.9 8.1 6.7 8.0 6.7 8.7 9.0 9.6 8.2 6.1 8.3 9.4 9.3 5.1 8.0 5.9 8 5.7 9.9 7.9 6.7 8.2 9.4 6.9 8.0 9.3 7.4 E competitive pricing 6.8 5.3 4.5 8.8 6.8 8.5 8.9 6.9 9.3 8.4 6.8 8.2 7.6 7.1 8.8 4.9 6.2 8.4 9.1 8.4 8.4 4.5 3.7 6.2 8.0 7.1 4.8 9.0 4.8 7.7 5.2 6.6 9.2 8.7 8.4 5.6 6.8 7.7 9.0 8.2 9.1 8.5 7.4 5.9 5.2 8.4 3.8 8.2 6.8 4.7 7.2 5.3 6.3 5.2 8.7 7.4 9.6 F order&billing 5.0 3.9 5.4 4.3 4.5 3.6 2.1 4.3 4.4 4.1 3.8 3.0 5.1 4.5 4.8 4.3 4.2 5.7 5.0 4.5 3.3 4.3 4.8 6.7 4.7 5.6 5.3 4.3 5.7 4.7 3.7 3.0 3.5 4.7 2.5 3.1 3.9 5.2 4.7 4.5 4.6 4.1 4.6 4.9 4.3 5.2 5.0 6.5 4.5 4.1 4.0 4.5 4.7 3.2 4.9 4.1 5.7 G delivery speed 3.7 4.9 4.5 3.0 3.5 3.3 2.0 3.7 4.6 4.4 4.0 3.2 4.4 4.2 5.2 4.5 4.5 4.8 4.5 4.4 3.3 4.3 4.0 4.5 4.0 3.9 4.4 3.7 4.4 3.5 3.3 3.0 3.4 4.2 3.5 2.5 3.5 4.9 4.5 3.2 3.9 4.1 4.3 4.5 4.7 4.8 3.5 5.2 3.9 4.3 2.8 4.9 4.6 3.3 4.2 3.4 5.5 H purchase level 65.1 67.1 72.1 40.1 57.1 50.1 41.1 56.1 56.1 59.1 68.1 53.1 58.1 72.1 62.1 71.1 50.1 58.1 55.1 67.1 50.1 70.1 60.1 65.1 55.1 58.1 70.1 55.1 70.1 52.1 44.1 51.1 44.1 62.1 54.1 51.1 57.1 77.1 65.1 53.1 61.1 61.1 72.1 55.1 65.1 58.1 67.1 60.1 67.1 61.1 48.1 67.1 66.1 44.1 62.1 59.1 74.1 59 58 60 59 61 60 62 61 63 62 64 63 65 64 66 65 67 66 68 67 69 68 70 69 71 70 72 71 73 72 74 73 75 74 76 75 77 76 78 77 79 78 80 79 81 80 82 81 83 82 84 83 85 84 86 85 87 86 88 87 89 88 90 89 91 90 92 91 93 92 94 93 95 94 96 95 97 96 98 97 99 98 100 99 101 100 102 101 103 102 104 103 105 104 106 105 107 106 108 107 109 108 110 109 111 110 112 111 113 112 114 113 115 114 Over 5 years Over 5 years Over 5 years Over 5 years 1 to 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years 1 to 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year 1 to 5 years Over 5 years 1 to 5 years. Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Over 5 years Over 5 years 1 to 5 years Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years 1 to 5 years Over 5 years Less than 1 year Over 5 years Over 5 years Over 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Over 5 years 1 to 5 years Less than 1 year 1 to 5 years 1 to 5 years Over 5 years 1 to 5 years 1 to 5 years Less than 1 year Over 5 years Over 5 years 1 to 5 years Over 5 years Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) 7.6 8 9.9 8.7 8.4 8.8 7.7 6.6 5.7 5.7 5.5 7.5 6.4 9.1 6.7 6.5 9.9 8.5 9.9 7.6 9.4 9.3 7.1 9.9 8.7 8.6 6.4 7.7 7.5 5.0 7.7 9.1 5.5 9.1 7.1 9.2 9.3 9.3 8.6 7.4 8.7 7.8 7.9 7.6 9.2 7.7 9.5 6.5 8.3 9.6 5.9 8.7 6.7 9.7 8.8 8.2 8.9 4.4 3.8 5.4 4.9 6.7 5.8 6.2 7.2 8.2 6.2 6.0 7.6 7.1 8.4 5.0 8.7 6.8 6.8 4.9 7.4 8.5 4.6 7.8 4.9 6.8 6.3 8.4 5.9 7.6 8.2 5.9 8.3 6.3 7.3 9.9 7.1 4.6 7.4 6.7 7.2 5.6 7.9 9.7 7.7 7.3 7.7 7.6 8.7 9.1 7.7 8.4 3.8 5.0 6.7 6.7 9.0 8.2 4.6 3.7 5.6 5.4 2.7 4.4 3.3 3.5 4.7 5.0 4.5 4.0 4.7 5.4 2.9 4.6 4.1 4.4 3.1 4.5 4.3 5.2 2.6 3.2 4.3 2.7 2.0 4.7 3.4 2.4 5.1 4.6 5.5 4.4 2.0 4.4 4.8 3.6 4.9 4.2 3.1 4.3 3.4 3.1 5.1 4.0 5.6 5.0 4.2 4.4 5.8 4.6 3.8 3.7 4.0 4.5 4.2 4.0 3.5 4.0 4.5 3.6 2.9 2.6 2.8 5.2 4.5 4.3 3.4 3.9 4.4 3.1 4.6 3.9 3.7 3.8 3.9 4.1 4.6 2.7 3.8 4.0 3.0 1.6 4.3 3.4 3.1 4.3 3.9 4.9 3.3 2.4 4.2 4.6 3.4 3.6 3.7 2.5 3.9 3.5 3.5 4.2 3.7 4.4 4.6 3.9 4.9 5.4 4.2 3.1 4.1 3.9 4.5 4.2 58.1 67.1 61.1 71.1 63.1 44.1 47.1 48.1 60.1 50.1 48.1 51.1 58.1 67.1 43.1 66.1 66.1 65.1 63.1 49.1 61.1 72.1 44.1 63.1 68.1 53.1 37.1 52.1 51.1 48.1 52.1 59.1 59.1 58.1 51.1 72.1 72.1 59.1 50.1 48.1 51.1 61.1 57.1 52.1 71.1 59.1 58.1 66.1 61.1 77.1 62.1 61.1 43.1 66.1 69.1 65.1 65.1 116 115 117 116 118 117 119 118 120 119 121 120 122 121 123 122 124 123 125 124 126 125 127 126 128 127 129 128 130 129 131 130 131 132 133 132 134 133 135 134 136 135 137 136 138 137 139 138 140 139 141 140 142 141 143 142 144 143 145 144 146 145 147 146 148 147 149 148 150 149 151 150 152 151 153 152 154 153 155 154 156 155 157 156 158 157 159 158 160 159 161 160 162 161 163 162 164 163 165 164 166 165 167 166 168 167 169 168 170 169 171 170 172 171 1 to 5 years 1 to 5 years Over 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Over 5 years Less than 1 year 1 to 5 years Over 5 years Less than 1 year Less than 1 year 1 to 5 years Over 5 years Less than 1 year 1 to 5 years Less than 1 year Less than 1 year 1 to 5 years Over 5 years Over 5 years. Over 5 years Over 5 years Over 5 years Less than 1 year Over 5 years 1 to 5 years Less than 1 year Over 5 years 1 to 5 years Less than 1 year Over 5 years Less than 1 year Over 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year 1 to 5 years 1 to 5 years 1 to 5 years 1 to 5 years Less than 1 year Less than 1 year Less than 1 year 1 to 5 years Less than 1 year Less than 1 year Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Large (500+) Large (500+) 8.4 7.7 9.2 7.3 9.0 8.1 7.4 7.9 7.7 9.4 7.2 8.3 7.9 7.3 9.6 8.3 8.6 8.0 6.4 6.6 7.6 9.4 8.3 7.8 7.1 7.6 5.6 9.9 9.2 9.1 9.9 9.9 6.6 9.1 5.1 6.0 8.9 6.2 7.2 8.8 6.3 9.7 5.0 7.4 5.5 9.1 6.7 6.3 8.3 8.2 8.2 9.0 7.1 6.9 8.6 6.7 7.0 6.7 7.7 7.3 8.0 6.0 6.6 9.6 9.7 6.2 6.3 8 5.3 4.7 8.0 4.5 5.2 3.7 5.2 8.4 8.2 5.8 7.6 5.2 7.9 9.9 7.4 9.1 5.4 4.5 7.3 3.8 3.8 8.2 7.3 5.9 8.0 8.2 6.9 8 6.7 8.4 4.8 8.2 7.2 6.0 8.3 9.2 8.8 5.3 5.2 5.2 6.0 7.8 8.9 6.3 8.4 9.0 4.0 5.1 4.2 2.8 3.3 2.6 5.7 4.8 3.2 5.8 3.2 4.1 4.6 3.3 4.4 1.2 5.0 4.6 2.4 4.3 3.6 5.1 1.8 4.1 2.8 4.4 4.5 4.0 4.2 4.5 3.8 4.1 4.6 3.7 5.1 4.3 5.0 4.0 3.0 4.1 4.4 4.0 3.7 4.0 4.3 4.6 3.7 6.4 3.6 4.7 4.0 4.3 3.6 2.7 4.0 3.8 3.3 3.6 3.7 4.2 2.9 3.1 3.0 5.5 3.5 2.6 4.6 2.5 3.1 4.3 2.9 4.3 2.1 4.0 4.7 1.6 3.3 4.2 4.4 2.1 3.9 2.4 3.9 4.5 4.0 4.5 4.2 3.5 3.5 3.3 3.3 4.5 4.0 4.2 3.7 2.5 3.9 3.4 3.6 3.1 3.7 4.3 3.9 3.4 5.2 3.1 3.0 3.0 3.1 2.7 2.0 3.0 3.5 3.7 63.1 59.1 71.1 46.1 45.1 51.1 74.1 57.1 47.1 66.1 52.1 54.1 61.1 46.1 70.1 47.1 60.1 65.1 37.1 53.1 51.1 75.1 47.1 61.1 51.1 49.1 55.1 61.1 72.1 72.1 66.1 66.1 53.1 58.1 55.1 55.1 65.1 56.1 52.1 69.1 55.1 61.1 48.1 48.1 48.1 59.1 44.1 62.1 54.1 53.1 53.1 45.1 44.1 41.1 53.1 54.1 55.1 173 172 174 173 175 174 176 175 177 176 178 177 179 178 180 179 181 182 180 181 183 182 184 183 185 184 186 185 187 186 188 187 189 188 190 189 191 190 192 191 193 192 194 193 195 194 195 196 197 196 198 197 199 198 200 199 201 200 Over 5 years Over 5 years Less than 1 year Less than 1 year Over 5 years Over 5 years Over 5 years Over 5 years Over 5 years 1 to 5 years Over 5 years Over 5 years Over 5 years Over 5 years Over 5 years Less than 1 year Less than 1 year 1 to 5 years 1 to 5 years Less than 1 year Less than 1 year Less than 1 year Less than 1 year Less than 1 year Over 5 years 1 to 5 years Over 5 years 1 to 5 years Over 5 years Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Small (0 to 499) Large (500+) Large (500+) Small (0 to 499) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Small (0 to 499) Large (500+) Large (500+) Large (500+) Large (500+) Small (0 to 499) 9.7 9.9 8.6 6.3 9.9 9.3 9.7 9.7 9.6 7.6 9.4 9.6 9.3 9.7 9.1 6.5 6.6 5.8 8.7 8.8 6.4 6.7 5.2 6.4 7.6 5.9 9.7 5.5 9.7 5.2 6.8 6.7 8.4 6.8 6.2 6.7 5.2 4.5 5.8 7.6 4.5 7.4 4.8 7.3 8.5 7.2 9.3 3.8 5.8 8.4 7.2 8.4 8.8 : 4.4 8.4 6.8 6.3 6.8 4.5 5.0 4.8 2.8 4.3 4.0 4.9 4.6 4.0 4.4 4.7 4.6 4.4 4.7 6.0 4.3 3.2 5.9 5.5 3.8 4.0 2.9 4.3 3.6 4.4 6.0 4.4 5.9 4.3 3.8 3.9 3.6 3.4 3.9 4.5 4.1 3.8 4.3 4.2 4.4 4.3 4.3 3.6 4.2 3.3 2.8 4.6 4.2 2.9 4.4 2.8 3.3 3.0 4.0 5.4 4.2 4.9 4.2 59.1 66.1 50.1 55.1 67.1 65.1 66.1 59.1 70.1 51.1 75.1 70.1 72.1 61.1 72.1 50.1 48.1 56.1 61.1 44.1 59.1 48.1 50.1 40.1 58.1 62.1 66.1 59.1 66.1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 A B Step 1 Step 2 Step 3 Step 4 Step 5 Group C E categorical variables customer type less than 1year 1 to 5 years over 5 years firm size large small how many dummy variabes needed customer type firm size select base levels customer type less than 1year 1 to 5 years over 5 years firm size large small dummy variables small firm less than 1yaer small firm 1 to 5 years small firm over 5 years large firm less than 1yaer large firm 1 to 5 years large firm over 5 years 0 F Dummy coding 0 G 0 H