Problem 3 (30 Points) Using R

In the `Credit` data in the `ISLR` package it contains 400 customers and information on their credit history. For full information of the data look at the `help` file. A company has approached us to build a model to better understand factors that influence the `Balance` variable, which is average credit card balance in USD. Using the information in your model:

* Discuss the influential variables

* Discuss why you chose the variables you choose to put in the model.

* Explain any concerns about use of certain variables in the model?

* Discuss how your model was created and any insights you can provide the customer based on the results.

*HINT: Adding Gender and/or Ethnicity could be controversial or illegal in some uses of this model, you should discuss your decision on these variables and how it effects the organizations ability to use your model for prediction or inference.*

```{r} library(ISLR) head(Credit) ```