Question: ```{r} Credit$Gender

```{r} Credit$Gender <- as.factor(data_transformed$Gender) Credit$Student <- as.factor(data_transformed$Student) Credit$Married <- as.factor(data_transformed$Married) Credit$Ethnicity <- as.factor(data_transformed$Ethnicity) x <- model.matrix(Balance ~ ., data_transformed)[, -1] y <- data_transformed$Balance set.seed(123) cv_fit <- cv.glmnet(x, y, alpha = 1) best_lambda <- cv_fit$lambda.min print(best_lambda) ```

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