B$)$ Create $3$ clusters from the data using group average linkage.

$$ Measure the dissimilarity between the starting clusters and find the two least dissimilar

clusters and join them into a single larger cluster. Measure dissimilarity using group

average linkage. $[1]$

$$ Continue the process of finding the least dissimilar clusters and joining them into larger

clusters using group average linkage.$[1]$

$$ List out the steps that you take to consolidate the clusters. For each step, clearly state

the two clusters being joined and the dissimilarity between them. You will be done

when you have only $3$ clusters. $[12]$

$$ State the final clusters in terms of the customers which have been clustered together.

For each cluster, give a set of facts describing the cluster in term of each variable. For

example, cluster ACD contains customers #$3,4,5,$ and $12.$ This cluster is $100\%$ female,

$25\%$ married, $0\%$ have loans, and $75\%$ have mortgages. $[12]$