Logistic Regression With Multiple Variables Consider the following problem (refer to the Credit Card Default example in the "Lecture Classification annotation" slides (page 9-12]): We are trying to predict which customers will default on their credit card debt based on the variables Student (yes=1, No=0), Balance, and Income. The logistic regression analysis gives the following output: Coefficient Std. Error Z-statistic P-value - 10.8690 0.4923 -22.08