Review the Credit Risk document The data set has 425 cases and 15 variables pertaining to past and current customers who have borrowed from a bank for various reasons The data set contains customer related information such as financial standing, reason for the loan, employment, demographic information, and the outcome or dependent variable for credit standing It also classifies each case as good or bad, based on the institution's experience Complete the following tasks Scrape, clean, and manipulate the data so that it is usable a list of the top 5 predictors to identify potentially risky customers (e g , financial standing, employment) Perform a type of regression analysis to predict and classify the risk factors Compile a page report as a written document or an 8 to 10 slide presentation with detailed speaker notes and appropriate graphics, which includes the following Describe the steps you took to clean the data Describe the input variables used (Input variables are categorized as time variables and environment variables ) Checking Acct Credit Hist Purpose Savings Acct Employment Gender Personal Status Housing Job Telephone Foreign Months Acct (Added 1 to original Months Acct Variable) Residence Time Age subtracted 1 from original Age variable Credit Standing 0Balance Current Small Appliance Low Short M Single Own Unskilled Yes Yes 13 3 23 Good 0Balance Current Furniture MedLow Unemployed M Divorced Own Skilled Yes Yes 25 1 32 Bad No Acct Bank Paid Car New Low Long M Single Own Management No Yes 19 4 38 Bad Low Current Furniture Low Short M Single Own Unskilled Yes Yes 13 2 36 Bad Low Delay Education MedLow Medium M Single Rent Skilled No Yes 40 3 31 Good No Acct Critical Furniture No Acct Short M Married Own Skilled Yes No 11 1 25 Good 0Balance Current Car New Low Short M Married Own Unskilled Yes Yes 13 3 26 Good 0Balance Critical Business Low Very Short M Single Own Unskilled Yes Yes 14 1 27 Good High Current Small Appliance Low Short M Single Own Skilled Yes Yes 37 2 25 Bad No Acct Current Small Appliance No Acct Very Short F Divorced Own Skilled No Yes 25 1 43 Bad No Acct Current Business Low Unemployed M Single Rent Management No Yes 49 2 32 Bad No Acct Current Car New MedLow Short M Single Rent Unskilled Yes No 11 2 34 Good Low Current Business Low Short M Married Own Skilled No Yes 10 1 26 Good 0Balance Current Car New Low Long M Single Own Skilled Yes Yes 25 1 44 Bad Low Critical Car New Low Medium M Single Own Unskilled Yes Yes 13 3 46 Good 0Balance Current Car Used Low Short M Divorced Own Management No Yes 31 4 39 Good Low Current Furniture Low Very Short F Divorced Own Skilled No Yes 49 2 25 Bad Low Current Car New Low Medium M Single Own Skilled Yes Yes 13 2 31 Good No Acct Current Repairs No Acct Long M Single Own Skilled No Yes 28 4 47 Good Low Bank Paid Education High Very Short F Divorced Rent Skilled Yes Yes 7 2 23 Bad 0Balance Critical Furniture MedHigh Short F Divorced Own Skilled Yes Yes 34 4 22 Bad Low Current Furniture MedLow Very Short F Divorced Rent Skilled Yes Yes 13 4 26 Bad 0Balance Current Furniture No Acct Short M Married Own Skilled Yes Yes 25 4 19 Bad No Acct Current Furniture Low Short F Divorced Own Management No Yes 37 2 27 Bad No Acct Current Car New MedHigh Short M Single Rent Unskilled Yes No 11 2 39 Good Low Critical Business Low Medium M Single Own Skilled Yes Yes 22 3 26 Good 0Balance Current Car Used No Acct Long M Single Other Skilled No Yes 19 4 50 Bad No Acct Critical Car Used No Acct Medium M Single Other Skilled No Yes 49 1 34 Good Low Current Small Appliance Low Medium M Single Rent Skilled Yes Yes 37 4 23 Good No Acct Critical Small Appliance Low Short M Single Own Skilled Yes Yes 19 2 23 Good Low Current Education MedLow Short M Single Other Skilled No Yes 37 4 46 Bad No Acct Critical Small Appliance No Acct Medium M Single Own Skilled Yes Yes 31 3 35 Good No Acct Current Small Appliance Low Very Short F Divorced Own Skilled Yes Yes 13 2 28 Good High Current Business Low Medium M Single Rent Skilled No Yes 16 4 25 Good 0Balance Bank Paid Business Low Medium F Divorced Rent Skilled Yes Yes 49 4 36 Bad No Acct Critical Small Appliance Low Medium M Single Own Unskilled Yes Yes 5 1 41 Good 0Balance Bank Paid Furniture Low Very Short M Divorced Own Skilled No Yes 25 1 54 Bad Low Current Small Appliance Low Medium F Divorced Own Unskilled Yes Yes 9 2 43 Good 0Balance Current Small Appliance Low Medium M Married Own Skilled No Yes 49 1 33 Bad 0Balance Critical Car New Low Long M Single Own Skilled Yes Yes 13 3 34 Bad Low Current Other No Acct Unemployed M Single Other Unemployed No Yes 49 4 39 Good No Acct Delay Car Used Low Medium M Single Own Unskilled No Yes 25 3 34 Good High Current Small Appliance Low Long M Single Own Skilled Yes Yes 37 2 30 Good Low Critical Furniture Low Medium M Single Own Skilled Yes Yes 31 2 48 Bad Low Current Furniture High Very Short F Divorced Own Skilled Yes Yes 12 1 19 Good No Acct Critical Small Appliance Low Long M Married Rent Skilled Yes Yes 7 2 29 Good Low Current Furniture No Acct Very Short F Divorced Rent Skilled Yes Yes 19 3 26 Bad 0Balance Critical Car New Low Long M Single Rent Skilled No Yes 17 4 42 Bad 0Balance Bank Paid Business Low Short M Single Rent Skilled No Yes 25 2 30 Bad No Acct Current Small Appliance Low Very Short M Married Own Skilled No Yes 19 4 38 Good Low Current Small Appliance Low Very Short M Married Own Skilled No Yes 25 1 21 Bad No Acct Current Furniture No Acct Medium F Divorced Rent Unskilled Yes Yes 16 4 32 Good Low Current Business Low Short M Single Own Skilled No Yes 28 2 35 Bad Low Delay Car New Low Short M Divorced Own Skilled Yes Yes 22 4 46 Good No Acct Current Car Used Low Medium M Single Own Management No Yes 25 3 37 Good 0Balance Current Education No Acct Long M Single Own Management No Yes 37 4 39 Bad 0Balance Current Furniture Low Short F Divorced Own Skilled Yes Yes 13 3 29 Good Low Current Car New Low Medium M Single Rent Unskilled Yes Yes 19 3 27 Good 0Balance Current Car New Low Very Short F Divorced Rent Skilled No Yes 19 3 22 Bad 0Balance Current Furniture Low Long M Single Own Skilled Yes Yes 37 2 40 Bad 0Balance Current Car New Low Short M Single Own Unskilled Yes Yes 29 2 44 Bad No Acct Current Car New No Acct Short M Single Own Unskilled Yes Yes 11 4 26 Bad 0Balance Critical Small Appliance Low Medium F Divorced Own Unskilled No Yes 13 3 57 Good 0Balance Current Car New MedLow Short M Single Own Unskilled No Yes 19 4 34 Good 0Balance Delay Small Appliance Low Very Short M Married Own Skilled Yes Yes 25 4 47 Bad No Acct Current Small Appliance MedHigh Long M Single Own Skilled No Yes 16 3 46 Good Low Current Business MedLow Medium M Single Own Unskilled Yes Yes 13 4 38 Good No Acct Bank Paid Car Used No Acct Unemployed F Divorced Own Management No Yes 31 1 52 Bad Low Delay Furniture Low Unemployed M Single Own Management No Yes 7 1 34 Good 0Balance Bank Paid Furniture MedHigh Very Short M Single Other Skilled No Yes 25 4 29 Bad 0Balance Bank Paid Car New No Acct Short M Single Own Unskilled Yes Yes 22 2 39 Bad Low Critical Small Appliance Low Long M Single Own Unskilled Yes Yes 10 4 36 Good No Acct Delay Business Low Medium M Single Own Skilled Yes Yes 28 4 25 Good 0Balance Critical Furniture Low Long M Single Own Skilled Yes Yes 13 3 59 Bad No Acct Current Small Appliance Low Long M Single Own Skilled Yes Yes 37 2 27 Good Low Current Car New Low Very Short F Divorced Rent Skilled Yes Yes 13 1 24 Bad High Bank Paid Business Low Very Short F Divorced Own Unemployed Yes Yes 13 1 25 Bad Low Bank Paid Business MedLow Medium M Single Own Skilled Yes Yes 49 2 29 Good 0Balance Critical Repairs Low Unemployed M Single Own Unemployed Yes Yes 43 4 64 Good No Acct Delay Business No Acct Short M Single Own Skilled No Yes 25 4 31 Good No Acct Critical Car New Low Short M Single Own Unskilled Yes Yes 12 4 38 Good Low Current Education Low Short M Single Other Skilled Yes Yes 61 4 41 Bad 0Balance Current Car New Low Very Short F Divorced Own Unskilled Yes Yes 19 2 22 Bad No Acct Critical Education MedLow Short F Divorced Own Skilled Yes Yes 19 2 29 Bad 0Balance All Paid Car New Low Long M Single Rent Skilled Yes Yes 16 3 32 Bad 0Balance Current Small Appliance Low Very Short F Divorced Own Skilled No Yes 25 4 34 Bad 0Balance Critical Car Used Low Medium M Single Own Skilled No Yes 37 4 23 Bad Low Current Small Appliance Low Very Short M Single Own Skilled Yes Yes 13 1 21 Bad Low Current Small Appliance MedLow Short F Divorced Other Skilled Yes Yes 37 4 49 Bad 0Balance All Paid Furniture Low Short M Divorced Own Skilled Yes Yes 31 2 31 Good No Acct Critical Education No Acct Long F Divorced Rent Unskilled Yes Yes 10 4 40 Good No Acct Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 7 1 28 Good Low Current Repairs Low Very Short M Married Own Unskilled Yes Yes 7 1 21 Good Low Critical Business Low Long M Divorced Own Skilled No Yes 25 4 30 Bad No Acct Current Small Appliance Low Very Short F Divorced Own Skilled No Yes 25 3 37 Good No Acct Critical Small Appliance High Long M Single Own Skilled Yes Yes 25 2 33 Good 0Balance Current Small Appliance Low Short M Single Other Skilled No Yes 46 4 22 Bad 0Balance Current Car New Low Short F Divorced Own Unskilled Yes Yes 13 2 23 Bad Low Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 49 2 21 Bad Low Critical Furniture Low Long M Single Own Skilled No Yes 19 1 40 Good High Current Small Appliance Low Short M Single Own Skilled Yes Yes 19 2 36 Bad No Acct Critical Car New Low Short M Single Own Skilled Yes Yes 10 1 29 Good Low Current Retraining No Acct Long M Single Own Skilled Yes Yes 13 4 37 Good Low Critical Furniture Low Very Short F Divorced Own Skilled Yes Yes 19 1 26 Good High Current Car New Low Medium Single Other Skilled Yes Yes 25 3 37 Bad 0Balance Current Education Low Short M Single Rent Unskilled Yes Yes 13 4 39 Bad No Acct Delay Business Low Short M Married Own Skilled No Yes 19 2 27 Bad No Acct Current Furniture MedHigh Short F Divorced Rent Skilled Yes Yes 16 4 19 Good 0Balance Current Car New Low Medium M Single Other Skilled Yes Yes 49 4 45 Bad 0Balance Current Car Used Low Long M Single Other Skilled No Yes 13 4 34 Bad High Current Small Appliance Low Short F Divorced Rent Unskilled No Yes 13 2 43 Good High Current Furniture Low Short M Single Own Unskilled Yes Yes 19 1 33 Bad Low All Paid Business Low Short M Single Own Unskilled No Yes 25 4 35 Bad No Acct Current Car Used Low Short M Single Other Management No Yes 37 2 31 Good High Current Furniture Low Short M Single Own Skilled Yes Yes 25 2 25 Good No Acct Critical Furniture Low Short F Divorced Own Skilled Yes Yes 19 2 27 Good 0Balance Critical Small Appliance High Long F Divorced Rent Management No Yes 25 4 56 Good No Acct Critical Car Used No Acct Short M Single Own Management No Yes 25 4 45 Good 0Balance Current Large Appliance Low Short M Single Own Skilled Yes Yes 49 4 53 Bad Low Current Furniture Low Short F Divorced Own Skilled Yes Yes 9 4 23 Bad No Acct Current Furniture Low Short F Divorced Own Skilled No Yes 13 1 25 Good Low Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 7 3 63 Good No Acct Current Small Appliance MedHigh Long M Single Own Skilled No Yes 25 2 34 Bad 0Balance Current Furniture Low Unemployed M Single Own Unemployed Yes Yes 19 1 24 Bad Low Critical Car New Low Long M Single Own Skilled No Yes 19 4 35 Bad 0Balance Current Car New Low Medium M Single Own Skilled No Yes 25 3 30 Bad Low Delay Car New MedLow Long M Single Other Skilled Yes Yes 37 3 29 Good Low Current Furniture MedLow Short F Divorced Rent Skilled Yes Yes 31 4 20 Bad Low Critical Small Appliance No Acct Long M Single Own Skilled No Yes 16 4 49 Good No Acct Critical Business No Acct Long M Single Rent Unskilled Yes Yes 13 4 56 Good No Acct Critical Furniture No Acct Long M Single Rent Skilled No Yes 13 4 48 Good 0Balance Current Small Appliance Low Short F Divorced Own Skilled No Yes 22 2 24 Bad Low Critical Small Appliance MedHigh Short M Single Own Unskilled Yes Yes 28 2 22 Bad No Acct Current Small Appliance MedLow Long M Single Own Skilled Yes Yes 25 4 30 Bad 0Balance Bank Paid Other No Acct Long M Single Own Management No Yes 25 3 39 Bad 0Balance Current Business Low Short M Married Own Unskilled Yes Yes 25 2 20 Good No Acct Current Repairs Low Very Short F Divorced Own Skilled Yes Yes 19 4 22 Bad Low Bank Paid Car New MedLow Short M Married Rent Skilled Yes Yes 16 2 24 Bad 0Balance Current Furniture Low Short M Divorced Own Skilled Yes Yes 13 1 41 Good No Acct Critical Furniture Low Long M Single Own Skilled No Yes 25 4 32 Good 0Balance Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 19 2 23 Bad High Bank Paid Small Appliance High Short F Divorced Rent Skilled Yes Yes 13 3 41 Good 0Balance Current Furniture Low Long M Single Other Management No Yes 13 4 52 Bad Low Current Small Appliance MedHigh Short M Single Own Unskilled Yes Yes 13 3 65 Bad No Acct Critical Business Low Short F Divorced Own Skilled Yes Yes 13 2 26 Good 0Balance Current Repairs Low Very Short M Divorced Own Unskilled No Yes 31 1 33 Bad No Acct Critical Small Appliance MedLow Unemployed F Divorced Own Unskilled Yes Yes 12 4 56 Good Low Critical Furniture Low Very Short F Divorced Own Unskilled Yes Yes 25 4 24 Bad No Acct Current Car New Low Short F Divorced Rent Skilled Yes Yes 28 3 20 Bad 0Balance Current Car New Low Very Short M Single Own Skilled Yes Yes 16 3 35 Good No Acct Critical Car Used Low Medium M Single Own Skilled No Yes 25 3 34 Good No Acct Current Car New Low Long M Single Own Management No Yes 13 4 38 Good No Acct Current Car Used Low Long M Single Own Management No Yes 25 4 34 Good Low Current Car New MedLow Medium M Single Own Skilled No Yes 25 3 37 Good No Acct Current Small Appliance Low Short M Single Other Management No Yes 19 2 31 Good No Acct Current Car New No Acct Short M Single Rent Skilled Yes Yes 19 4 67 Bad No Acct Critical Car Used High Short M Single Own Skilled Yes Yes 25 2 26 Good 0Balance Critical Education Low Short F Divorced Own Management No Yes 37 2 24 Bad 0Balance Current Furniture Low Very Short M Single Other Skilled Yes Yes 25 1 21 Good 0Balance Current Large Appliance Low Short M Married Own Unskilled No Yes 19 3 46 Bad 0Balance All Paid Furniture Low Long M Single Rent Skilled Yes Yes 25 4 22 Bad 0Balance Critical Furniture Low Very Short F Divorced Rent Skilled Yes Yes 19 4 20 Good Low Current Business MedLow Long M Divorced Rent Unskilled Yes Yes 22 2 60 Bad 0Balance Current Car Used Low Medium M Single Own Skilled Yes Yes 49 3 25 Good 0Balance Current Small Appliance Low Very Short F Divorced Rent Skilled Yes Yes 10 4 21 Bad 0Balance Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 13 1 22 Good Low Delay Car Used Low Long M Single Own Management No Yes 28 2 29 Good 0Balance Current Small Appliance Low Long M Single Own Unskilled Yes Yes 13 4 56 Bad Low Current Repairs Low Very Short M Single Rent Unskilled Yes Yes 37 1 32 Bad Low Current Furniture Low Short M Divorced Own Unskilled Yes Yes 11 2 30 Good Low Current Car Used Low Very Short M Married Rent Management No Yes 37 4 27 Bad No Acct Critical Car New Low Unemployed F Divorced Own Unemployed Yes Yes 13 2 37 Good 0Balance Critical Car New Low Very Short M Single Own Unskilled Yes No 7 4 39 Good High Current Car New High Very Short M Married Own Unemployed Yes No 7 2 26 Good No Acct Critical Repairs Low Short M Divorced Own Skilled No Yes 25 2 32 Good Low Critical Furniture High Medium M Single Own Skilled No Yes 22 2 31 Good High Critical Car Used MedHigh Short M Single Own Skilled No Yes 16 2 35 Good No Acct Critical Small Appliance MedHigh Long M Single Own Management No Yes 19 3 31 Good 0Balance Critical Car New Low Long M Single Own Skilled Yes Yes 22 4 64 Good No Acct Delay Business Low Very Short M Divorced Own Skilled Yes Yes 37 1 27 Bad 0Balance Current Small Appliance MedLow Short F Divorced Own Unskilled Yes Yes 25 2 31 Bad 0Balance Current Small Appliance MedLow Very Short M Married Own Unskilled No Yes 13 3 32 Bad No Acct Current Business Low Medium M Single Own Unskilled Yes Yes 6 4 73 Good No Acct Current Furniture Low Medium F Divorced Own Unskilled Yes Yes 13 4 30 Good No Acct Current Furniture Low Very Short M Married Own Unskilled Yes Yes 19 1 42 Bad No Acct Critical Small Appliance High Long M Single Own Skilled Yes Yes 19 4 45 Good Low Current Small Appliance Low Long M Single Own Skilled Yes Yes 7 4 27 Good 0Balance Current Furniture Low Very Short F Divorced Rent Unskilled No Yes 25 4 22 Bad No Acct Delay Car Used High Short M Single Own Skilled Yes Yes 28 2 26 Good Low Critical Business No Acct Medium M Single Own Skilled No Yes 25 3 33 Good Low All Paid Car New MedLow Very Short F Divorced Own Skilled Yes Yes 19 3 27 Bad 0Balance Current Car New No Acct Short F Divorced Rent Skilled Yes Yes 25 4 24 Bad Low Current Furniture Low Very Short M Married Own Skilled Yes Yes 31 1 21 Good 0Balance Bank Paid Car New Low Unemployed F Divorced Rent Unemployed Yes Yes 25 4 28 Bad Low Current Small Appliance No Acct Unemployed M Single Own Management No Yes 13 1 51 Bad No Acct Delay Furniture Low Medium F Divorced Own Skilled Yes Yes 19 1 21 Bad No Acct Current Small Appliance Low Medium M Single Own Skilled No Yes 25 2 27 Good No Acct Delay Business MedHigh Very Short M Single Own Unskilled Yes Yes 22 2 40 Bad No Acct Critical Small Appliance Low Short M Single Other Skilled No Yes 16 4 34 Good 0Balance Current Car New Low Very Short F Divorced Own Unskilled No Yes 48 1 34 Good No Acct Current Education No Acct Long M Single Own Unskilled Yes Yes 10 4 63 Good Low Bank Paid Car New MedLow Unemployed M Single Own Management No Yes 16 2 33 Bad No Acct All Paid Car New No Acct Short F Divorced Own Skilled No Yes 22 4 28 Bad No Acct Critical Car New Low Short F Divorced Own Skilled No Yes 37 2 24 Bad Low Current Furniture High Very Short F Divorced Rent Unskilled Yes Yes 13 4 18 Good No Acct Current Small Appliance MedLow Unemployed F Divorced Own Skilled Yes Yes 14 4 63 Good No Acct Current Business No Acct Short M Divorced Own Skilled Yes Yes 49 2 37 Bad Low Critical Other Low Short M Single Own Management No Yes 25 3 38 Bad Low Current Small Appliance Low Very Short M Married Rent Skilled Yes Yes 13 1 22 Bad Low Bank Paid Car New MedLow Very Short F Divorced Own Unskilled Yes Yes 7 1 31 Bad No Acct Current Small Appliance Low Very Short M Single Own Skilled No Yes 19 2 31 Good 0Balance Delay Car New Low Unemployed M Single Other Skilled Yes Yes 25 2 42 Bad No Acct Current Furniture Low Short M Single Rent Unskilled Yes Yes 11 2 24 Bad High Delay Business Low Long M Single Own Management No Yes 31 4 65 Bad No Acct Critical Car Used High Long M Single Rent Skilled No Yes 16 4 22 Good 0Balance Current Car Used MedHigh Unemployed F Divorced Rent Unemployed No Yes 7 2 22 Good No Acct Current Small Appliance Low Short M Single Own Skilled No Yes 13 4 51 Good 0Balance Bank Paid Small Appliance Low Short F Divorced Own Unskilled Yes Yes 13 4 23 Bad No Acct Critical Education MedLow Short F Divorced Own Skilled Yes Yes 16 3 30 Good Low Critical Small Appliance Low Short M Married Own Skilled Yes Yes 19 2 32 Bad 0Balance Current Large Appliance MedLow Unemployed F Divorced Own Skilled Yes Yes 13 3 21 Bad 0Balance Current Education Low Very Short F Divorced Own Skilled Yes Yes 13 4 52 Bad 0Balance Current Furniture Low Medium F Divorced Rent Skilled Yes Yes 31 4 22 Bad Low Delay Business No Acct Long M Single Own Skilled Yes Yes 19 2 41 Good Low Delay Car New Low Short F Divorced Rent Skilled Yes Yes 37 2 53 Good 0Balance Critical Repairs Low Unemployed F Divorced Other Unemployed Yes Yes 19 4 54 Bad 0Balance Current Furniture Low Short M Single Own Unskilled Yes Yes 13 3 37 Good Low Current Small Appliance Low Medium M Single Own Skilled Yes Yes 49 4 27 Bad No Acct Current Car New MedHigh Short F Divorced Own Skilled Yes Yes 13 2 25 Bad No Acct Critical Small Appliance Low Short F Divorced Own Skilled Yes Yes 13 2 34 Good Low Delay Business Low Short M Divorced Own Management No Yes 37 2 29 Bad 0Balance Current Car New Low Short M Single Own Unskilled Yes Yes 10 3 27 Bad No Acct Critical Small Appliance No Acct Long F Divorced Own Unskilled Yes Yes 13 3 32 Bad No Acct Critical Car Used No Acct Short M Single Own Management No Yes 37 2 29 Good 0Balance Current Car New Low Very Short M Single Own Unskilled Yes Yes 13 1 32 Bad 0Balance Delay Small Appliance Low Very Short F Divorced Rent Unskilled No Yes 25 2 28 Bad 0Balance Current Furniture Low Medium F Divorced Rent Unskilled Yes Yes 22 4 25 Good No Acct Current Car New No Acct Long F Divorced Other Management No Yes 13 4 51 Good No Acct Current Car Used MedLow Long M Single Own Management No Yes 40 2 44 Good No Acct Current Business Low Medium M Single Own Skilled No Yes 19 1 33 Good No Acct Current Furniture Low Very Short F Divorced Rent Unskilled Yes Yes 5 3 22 Good No Acct Critical Car Used Low Long M Single Own Management No Yes 22 4 35 Good No Acct Critical Small Appliance Low Short M Single Own Skilled Yes Yes 16 2 30 Good Low Current Small Appliance Low Medium M Married Own Unskilled Yes Yes 7 3 27 Good 0Balance Current Business Low Very Short F Divorced Rent Skilled Yes Yes 49 4 23 Bad 0Balance Current Furniture Low Short F Divorced Rent Skilled Yes Yes 13 4 19 Bad No Acct Bank Paid Small Appliance MedHigh Long M Single Own Unskilled Yes Yes 7 4 44 Good No Acct Critical Small Appliance Low Medium M Single Own Unskilled Yes Yes 5 1 41 Good High Delay Car New Low Short F Divorced Own Skilled No Yes 13 2 35 Good Low All Paid Car New Low Very Short F Divorced Rent Unemployed Yes Yes 16 1 25 Bad 0Balance Current Car Used Low Unemployed M Single Other Management No Yes 25 2 28 Good No Acct Current Small Appliance No Acct Long M Single Own Skilled Yes Yes 16 2 34 Good Low Current Business Low Very Short F Divorced Own Skilled No Yes 28 1 31 Good High Critical Education Low Very Short M Divorced Rent Skilled Yes Yes 22 1 32 Bad 0Balance Current Furniture Low Long M Single Own Skilled Yes Yes 37 2 41 Bad Low Current Business Low Short M Single Own Skilled No Yes 49 2 22 Bad Low Current Other Low Short M Single Own Management No Yes 25 3 28 Bad No Acct Current Furniture MedLow Very Short F Divorced Rent Skilled Yes Yes 10 4 21 Good Low Delay Car New MedLow Long M Single Own Management No Yes 37 4 41 Bad High Critical Car New No Acct Medium M Single Own Unskilled Yes Yes 25 2 36 Bad No Acct Delay Business Low Very Short M Single Own Skilled No Yes 25 2 26 Bad 0Balance Critical Car Used Low Long M Single Other Management No Yes 31 4 37 Good Low Delay Business MedLow Medium M Single Rent Management No Yes 25 4 35 Good No Acct Current Small Appliance MedLow Medium M Single Own Skilled Yes Yes 13 1 34 Good No Acct Critical Car New MedHigh Short M Single Other Skilled Yes Yes 49 2 43 Bad No Acct Current Car New MedHigh Medium F Divorced Own Management Yes Yes 22 2 30 Good No Acct Current Furniture MedHigh Long M Single Rent Skilled No Yes 25 3 31 Good No Acct Critical Repairs Low Long M Single Other Skilled Yes Yes 25 4 43 Good No Acct Critical Small Appliance Low Medium F Divorced Own Skilled Yes Yes 31 2 24 Good Low Current Small Appliance High Medium M Single Own Skilled No Yes 49 2 26 Bad 0Balance Current Furniture Low Very Short F Divorced Rent Skilled Yes Yes 16 1 45 Good No Acct Current Furniture Low Very Short M Single Own Unskilled Yes Yes 16 3 26 Good 0Balance Current Furniture Low Long F Divorced Own Skilled No Yes 7 1 48 Good 0Balance Bank Paid Furniture Low Short M Single Own Skilled Yes Yes 19 3 43 Bad Low Bank Paid Other MedLow Long F Divorced Other Management No Yes 61 4 59 Bad No Acct Current Education Low Very Short F Divorced Own Skilled Yes Yes 7 2 55 Good 0Balance Current Small Appliance Low Unemployed M Single Own Management Yes Yes 25 2 29 Bad Low Current Car New No Acct Short F Divorced Own Skilled Yes Yes 19 2 32 Bad No Acct Current Business High Short M Single Own Management No Yes 25 3 53 Bad No Acct Delay Business MedLow Short M Single Own Unskilled Yes Yes 7 2 33 Good No Acct Critical Education Low Long F Divorced Other Unskilled Yes Yes 13 4 56 Good No Acct Current Car New No Acct Short M Single Other Skilled No Yes 61 4 33 Good 0Balance Current Car Used No Acct Long M Single Other Skilled Yes Yes 37 4 46 Bad Low Bank Paid Car Used Low Unemployed M Single Other Management No Yes 43 2 54 Good High Current Car New Low Long F Divorced Own Management Yes Yes 19 2 22 Good 0Balance Critical Car New Low Short M Single Rent Skilled Yes Yes 12 2 35 Good No Acct Delay Car New Low Long M Single Own Unskilled Yes Yes 25 4 46 Bad 0Balance Current Small Appliance No Acct Medium F Divorced Own Management No Yes 43 3 29 Bad 0Balance Current Car New Low Medium F Divorced Rent Skilled Yes Yes 25 4 22 Bad No Acct Delay Car New No Acct Long M Married Own Skilled No Yes 25 4 53 Good Low Current Furniture Low Medium M Divorced Own Skilled No Yes 25 3 42 Bad 0Balance Current Retraining Low Medium M Married Rent Skilled Yes Yes 13 4 20 Bad No Acct Critical Car New Low Short F Divorced Own Skilled Yes Yes 19 3 35 Good Low Critical Education Low Long F Divorced Own Management No Yes 10 3 33 Bad Low Current Education No Acct Short M Married Own Skilled Yes Yes 37 2 26 Good No Acct Current Furniture Low Short M Single Other Skilled Yes Yes 19 4 46 Good 0Balance Critical Car New Low Short F Divorced Own Skilled Yes Yes 13 2 28 Bad No Acct Current Small Appliance MedHigh Long M Single Own Skilled Yes Yes 37 4 38 Good No Acct All Paid Business Low Short M Single Own Skilled Yes Yes 19 2 35 Bad 0Balance All Paid Car New Low Short M Single Own Skilled Yes Yes 13 4 47 Bad Low Current Small Appliance Low Short M Single Own Skilled Yes Yes 10 3 23 Good Low Delay Car New Low Long M Single Other Skilled No Yes 37 4 56 Bad No Acct Current Furniture MedHigh Short F Divorced Rent Unskilled Yes Yes 13 4 28 Bad 0Balance Critical Car New Low Medium M Single

Question

Review the Credit Risk document   The data set has 425 cases and 15 variables pertaining to past and current customers who have borrowed from a bank for various reasons  The data set contains customer related information such as financial standing, reason for the loan, employment, demographic information, and the outcome or dependent variable for credit standing  It also classifies each case as good or bad, based on the institution's experience  Complete the following tasks  Scrape, clean, and manipulate the data so that it is usable  a list of the top 5 predictors to identify potentially risky customers (e g , financial standing, employment)  Perform a type of regression analysis to predict and classify the risk factors  Compile a page report as a written document or an 8  to 10 slide presentation with detailed speaker notes and appropriate graphics, which includes the following  Describe the steps you took to clean the data  Describe the input variables used  (Input variables are categorized as time variables and environment variables ) Checking Acct Credit Hist Purpose Savings Acct Employment Gender Personal Status Housing Job Telephone Foreign Months Acct (Added 1 to original Months Acct Variable) Residence Time Age subtracted 1 from original Age variable Credit Standing 0Balance Current Small Appliance Low Short M Single Own Unskilled Yes Yes 13 3 23 Good 0Balance Current Furniture MedLow Unemployed M Divorced Own Skilled Yes Yes 25 1 32 Bad No Acct Bank Paid Car New Low Long M Single Own Management No Yes 19 4 38 Bad Low Current Furniture Low Short M Single Own Unskilled Yes Yes 13 2 36 Bad Low Delay Education MedLow Medium M Single Rent Skilled No Yes 40 3 31 Good No Acct Critical Furniture No Acct Short M Married Own Skilled Yes No 11 1 25 Good 0Balance Current Car New Low Short M Married Own Unskilled Yes Yes 13 3 26 Good 0Balance Critical Business Low Very Short M Single Own Unskilled Yes Yes 14 1 27 Good High Current Small Appliance Low Short M Single Own Skilled Yes Yes 37 2 25 Bad No Acct Current Small Appliance No Acct Very Short F Divorced Own Skilled No Yes 25 1 43 Bad No Acct Current Business Low Unemployed M Single Rent Management No Yes 49 2 32 Bad No Acct Current Car New MedLow Short M Single Rent Unskilled Yes No 11 2 34 Good Low Current Business Low Short M Married Own Skilled No Yes 10 1 26 Good 0Balance Current Car New Low Long M Single Own Skilled Yes Yes 25 1 44 Bad Low Critical Car New Low Medium M Single Own Unskilled Yes Yes 13 3 46 Good 0Balance Current Car Used Low Short M Divorced Own Management No Yes 31 4 39 Good Low Current Furniture Low Very Short F Divorced Own Skilled No Yes 49 2 25 Bad Low Current Car New Low Medium M Single Own Skilled Yes Yes 13 2 31 Good No Acct Current Repairs No Acct Long M Single Own Skilled No Yes 28 4 47 Good Low Bank Paid Education High Very Short F Divorced Rent Skilled Yes Yes 7 2 23 Bad 0Balance Critical Furniture MedHigh Short F Divorced Own Skilled Yes Yes 34 4 22 Bad Low Current Furniture MedLow Very Short F Divorced Rent Skilled Yes Yes 13 4 26 Bad 0Balance Current Furniture No Acct Short M Married Own Skilled Yes Yes 25 4 19 Bad No Acct Current Furniture Low Short F Divorced Own Management No Yes 37 2 27 Bad No Acct Current Car New MedHigh Short M Single Rent Unskilled Yes No 11 2 39 Good Low Critical Business Low Medium M Single Own Skilled Yes Yes 22 3 26 Good 0Balance Current Car Used No Acct Long M Single Other Skilled No Yes 19 4 50 Bad No Acct Critical Car Used No Acct Medium M Single Other Skilled No Yes 49 1 34 Good Low Current Small Appliance Low Medium M Single Rent Skilled Yes Yes 37 4 23 Good No Acct Critical Small Appliance Low Short M Single Own Skilled Yes Yes 19 2 23 Good Low Current Education MedLow Short M Single Other Skilled No Yes 37 4 46 Bad No Acct Critical Small Appliance No Acct Medium M Single Own Skilled Yes Yes 31 3 35 Good No Acct Current Small Appliance Low Very Short F Divorced Own Skilled Yes Yes 13 2 28 Good High Current Business Low Medium M Single Rent Skilled No Yes 16 4 25 Good 0Balance Bank Paid Business Low Medium F Divorced Rent Skilled Yes Yes 49 4 36 Bad No Acct Critical Small Appliance Low Medium M Single Own Unskilled Yes Yes 5 1 41 Good 0Balance Bank Paid Furniture Low Very Short M Divorced Own Skilled No Yes 25 1 54 Bad Low Current Small Appliance Low Medium F Divorced Own Unskilled Yes Yes 9 2 43 Good 0Balance Current Small Appliance Low Medium M Married Own Skilled No Yes 49 1 33 Bad 0Balance Critical Car New Low Long M Single Own Skilled Yes Yes 13 3 34 Bad Low Current Other No Acct Unemployed M Single Other Unemployed No Yes 49 4 39 Good No Acct Delay Car Used Low Medium M Single Own Unskilled No Yes 25 3 34 Good High Current Small Appliance Low Long M Single Own Skilled Yes Yes 37 2 30 Good Low Critical Furniture Low Medium M Single Own Skilled Yes Yes 31 2 48 Bad Low Current Furniture High Very Short F Divorced Own Skilled Yes Yes 12 1 19 Good No Acct Critical Small Appliance Low Long M Married Rent Skilled Yes Yes 7 2 29 Good Low Current Furniture No Acct Very Short F Divorced Rent Skilled Yes Yes 19 3 26 Bad 0Balance Critical Car New Low Long M Single Rent Skilled No Yes 17 4 42 Bad 0Balance Bank Paid Business Low Short M Single Rent Skilled No Yes 25 2 30 Bad No Acct Current Small Appliance Low Very Short M Married Own Skilled No Yes 19 4 38 Good Low Current Small Appliance Low Very Short M Married Own Skilled No Yes 25 1 21 Bad No Acct Current Furniture No Acct Medium F Divorced Rent Unskilled Yes Yes 16 4 32 Good Low Current Business Low Short M Single Own Skilled No Yes 28 2 35 Bad Low Delay Car New Low Short M Divorced Own Skilled Yes Yes 22 4 46 Good No Acct Current Car Used Low Medium M Single Own Management No Yes 25 3 37 Good 0Balance Current Education No Acct Long M Single Own Management No Yes 37 4 39 Bad 0Balance Current Furniture Low Short F Divorced Own Skilled Yes Yes 13 3 29 Good Low Current Car New Low Medium M Single Rent Unskilled Yes Yes 19 3 27 Good 0Balance Current Car New Low Very Short F Divorced Rent Skilled No Yes 19 3 22 Bad 0Balance Current Furniture Low Long M Single Own Skilled Yes Yes 37 2 40 Bad 0Balance Current Car New Low Short M Single Own Unskilled Yes Yes 29 2 44 Bad No Acct Current Car New No Acct Short M Single Own Unskilled Yes Yes 11 4 26 Bad 0Balance Critical Small Appliance Low Medium F Divorced Own Unskilled No Yes 13 3 57 Good 0Balance Current Car New MedLow Short M Single Own Unskilled No Yes 19 4 34 Good 0Balance Delay Small Appliance Low Very Short M Married Own Skilled Yes Yes 25 4 47 Bad No Acct Current Small Appliance MedHigh Long M Single Own Skilled No Yes 16 3 46 Good Low Current Business MedLow Medium M Single Own Unskilled Yes Yes 13 4 38 Good No Acct Bank Paid Car Used No Acct Unemployed F Divorced Own Management No Yes 31 1 52 Bad Low Delay Furniture Low Unemployed M Single Own Management No Yes 7 1 34 Good 0Balance Bank Paid Furniture MedHigh Very Short M Single Other Skilled No Yes 25 4 29 Bad 0Balance Bank Paid Car New No Acct Short M Single Own Unskilled Yes Yes 22 2 39 Bad Low Critical Small Appliance Low Long M Single Own Unskilled Yes Yes 10 4 36 Good No Acct Delay Business Low Medium M Single Own Skilled Yes Yes 28 4 25 Good 0Balance Critical Furniture Low Long M Single Own Skilled Yes Yes 13 3 59 Bad No Acct Current Small Appliance Low Long M Single Own Skilled Yes Yes 37 2 27 Good Low Current Car New Low Very Short F Divorced Rent Skilled Yes Yes 13 1 24 Bad High Bank Paid Business Low Very Short F Divorced Own Unemployed Yes Yes 13 1 25 Bad Low Bank Paid Business MedLow Medium M Single Own Skilled Yes Yes 49 2 29 Good 0Balance Critical Repairs Low Unemployed M Single Own Unemployed Yes Yes 43 4 64 Good No Acct Delay Business No Acct Short M Single Own Skilled No Yes 25 4 31 Good No Acct Critical Car New Low Short M Single Own Unskilled Yes Yes 12 4 38 Good Low Current Education Low Short M Single Other Skilled Yes Yes 61 4 41 Bad 0Balance Current Car New Low Very Short F Divorced Own Unskilled Yes Yes 19 2 22 Bad No Acct Critical Education MedLow Short F Divorced Own Skilled Yes Yes 19 2 29 Bad 0Balance All Paid Car New Low Long M Single Rent Skilled Yes Yes 16 3 32 Bad 0Balance Current Small Appliance Low Very Short F Divorced Own Skilled No Yes 25 4 34 Bad 0Balance Critical Car Used Low Medium M Single Own Skilled No Yes 37 4 23 Bad Low Current Small Appliance Low Very Short M Single Own Skilled Yes Yes 13 1 21 Bad Low Current Small Appliance MedLow Short F Divorced Other Skilled Yes Yes 37 4 49 Bad 0Balance All Paid Furniture Low Short M Divorced Own Skilled Yes Yes 31 2 31 Good No Acct Critical Education No Acct Long F Divorced Rent Unskilled Yes Yes 10 4 40 Good No Acct Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 7 1 28 Good Low Current Repairs Low Very Short M Married Own Unskilled Yes Yes 7 1 21 Good Low Critical Business Low Long M Divorced Own Skilled No Yes 25 4 30 Bad No Acct Current Small Appliance Low Very Short F Divorced Own Skilled No Yes 25 3 37 Good No Acct Critical Small Appliance High Long M Single Own Skilled Yes Yes 25 2 33 Good 0Balance Current Small Appliance Low Short M Single Other Skilled No Yes 46 4 22 Bad 0Balance Current Car New Low Short F Divorced Own Unskilled Yes Yes 13 2 23 Bad Low Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 49 2 21 Bad Low Critical Furniture Low Long M Single Own Skilled No Yes 19 1 40 Good High Current Small Appliance Low Short M Single Own Skilled Yes Yes 19 2 36 Bad No Acct Critical Car New Low Short M Single Own Skilled Yes Yes 10 1 29 Good Low Current Retraining No Acct Long M Single Own Skilled Yes Yes 13 4 37 Good Low Critical Furniture Low Very Short F Divorced Own Skilled Yes Yes 19 1 26 Good High Current Car New Low Medium Single Other Skilled Yes Yes 25 3 37 Bad 0Balance Current Education Low Short M Single Rent Unskilled Yes Yes 13 4 39 Bad No Acct Delay Business Low Short M Married Own Skilled No Yes 19 2 27 Bad No Acct Current Furniture MedHigh Short F Divorced Rent Skilled Yes Yes 16 4 19 Good 0Balance Current Car New Low Medium M Single Other Skilled Yes Yes 49 4 45 Bad 0Balance Current Car Used Low Long M Single Other Skilled No Yes 13 4 34 Bad High Current Small Appliance Low Short F Divorced Rent Unskilled No Yes 13 2 43 Good High Current Furniture Low Short M Single Own Unskilled Yes Yes 19 1 33 Bad Low All Paid Business Low Short M Single Own Unskilled No Yes 25 4 35 Bad No Acct Current Car Used Low Short M Single Other Management No Yes 37 2 31 Good High Current Furniture Low Short M Single Own Skilled Yes Yes 25 2 25 Good No Acct Critical Furniture Low Short F Divorced Own Skilled Yes Yes 19 2 27 Good 0Balance Critical Small Appliance High Long F Divorced Rent Management No Yes 25 4 56 Good No Acct Critical Car Used No Acct Short M Single Own Management No Yes 25 4 45 Good 0Balance Current Large Appliance Low Short M Single Own Skilled Yes Yes 49 4 53 Bad Low Current Furniture Low Short F Divorced Own Skilled Yes Yes 9 4 23 Bad No Acct Current Furniture Low Short F Divorced Own Skilled No Yes 13 1 25 Good Low Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 7 3 63 Good No Acct Current Small Appliance MedHigh Long M Single Own Skilled No Yes 25 2 34 Bad 0Balance Current Furniture Low Unemployed M Single Own Unemployed Yes Yes 19 1 24 Bad Low Critical Car New Low Long M Single Own Skilled No Yes 19 4 35 Bad 0Balance Current Car New Low Medium M Single Own Skilled No Yes 25 3 30 Bad Low Delay Car New MedLow Long M Single Other Skilled Yes Yes 37 3 29 Good Low Current Furniture MedLow Short F Divorced Rent Skilled Yes Yes 31 4 20 Bad Low Critical Small Appliance No Acct Long M Single Own Skilled No Yes 16 4 49 Good No Acct Critical Business No Acct Long M Single Rent Unskilled Yes Yes 13 4 56 Good No Acct Critical Furniture No Acct Long M Single Rent Skilled No Yes 13 4 48 Good 0Balance Current Small Appliance Low Short F Divorced Own Skilled No Yes 22 2 24 Bad Low Critical Small Appliance MedHigh Short M Single Own Unskilled Yes Yes 28 2 22 Bad No Acct Current Small Appliance MedLow Long M Single Own Skilled Yes Yes 25 4 30 Bad 0Balance Bank Paid Other No Acct Long M Single Own Management No Yes 25 3 39 Bad 0Balance Current Business Low Short M Married Own Unskilled Yes Yes 25 2 20 Good No Acct Current Repairs Low Very Short F Divorced Own Skilled Yes Yes 19 4 22 Bad Low Bank Paid Car New MedLow Short M Married Rent Skilled Yes Yes 16 2 24 Bad 0Balance Current Furniture Low Short M Divorced Own Skilled Yes Yes 13 1 41 Good No Acct Critical Furniture Low Long M Single Own Skilled No Yes 25 4 32 Good 0Balance Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 19 2 23 Bad High Bank Paid Small Appliance High Short F Divorced Rent Skilled Yes Yes 13 3 41 Good 0Balance Current Furniture Low Long M Single Other Management No Yes 13 4 52 Bad Low Current Small Appliance MedHigh Short M Single Own Unskilled Yes Yes 13 3 65 Bad No Acct Critical Business Low Short F Divorced Own Skilled Yes Yes 13 2 26 Good 0Balance Current Repairs Low Very Short M Divorced Own Unskilled No Yes 31 1 33 Bad No Acct Critical Small Appliance MedLow Unemployed F Divorced Own Unskilled Yes Yes 12 4 56 Good Low Critical Furniture Low Very Short F Divorced Own Unskilled Yes Yes 25 4 24 Bad No Acct Current Car New Low Short F Divorced Rent Skilled Yes Yes 28 3 20 Bad 0Balance Current Car New Low Very Short M Single Own Skilled Yes Yes 16 3 35 Good No Acct Critical Car Used Low Medium M Single Own Skilled No Yes 25 3 34 Good No Acct Current Car New Low Long M Single Own Management No Yes 13 4 38 Good No Acct Current Car Used Low Long M Single Own Management No Yes 25 4 34 Good Low Current Car New MedLow Medium M Single Own Skilled No Yes 25 3 37 Good No Acct Current Small Appliance Low Short M Single Other Management No Yes 19 2 31 Good No Acct Current Car New No Acct Short M Single Rent Skilled Yes Yes 19 4 67 Bad No Acct Critical Car Used High Short M Single Own Skilled Yes Yes 25 2 26 Good 0Balance Critical Education Low Short F Divorced Own Management No Yes 37 2 24 Bad 0Balance Current Furniture Low Very Short M Single Other Skilled Yes Yes 25 1 21 Good 0Balance Current Large Appliance Low Short M Married Own Unskilled No Yes 19 3 46 Bad 0Balance All Paid Furniture Low Long M Single Rent Skilled Yes Yes 25 4 22 Bad 0Balance Critical Furniture Low Very Short F Divorced Rent Skilled Yes Yes 19 4 20 Good Low Current Business MedLow Long M Divorced Rent Unskilled Yes Yes 22 2 60 Bad 0Balance Current Car Used Low Medium M Single Own Skilled Yes Yes 49 3 25 Good 0Balance Current Small Appliance Low Very Short F Divorced Rent Skilled Yes Yes 10 4 21 Bad 0Balance Current Small Appliance Low Short F Divorced Own Skilled Yes Yes 13 1 22 Good Low Delay Car Used Low Long M Single Own Management No Yes 28 2 29 Good 0Balance Current Small Appliance Low Long M Single Own Unskilled Yes Yes 13 4 56 Bad Low Current Repairs Low Very Short M Single Rent Unskilled Yes Yes 37 1 32 Bad Low Current Furniture Low Short M Divorced Own Unskilled Yes Yes 11 2 30 Good Low Current Car Used Low Very Short M Married Rent Management No Yes 37 4 27 Bad No Acct Critical Car New Low Unemployed F Divorced Own Unemployed Yes Yes 13 2 37 Good 0Balance Critical Car New Low Very Short M Single Own Unskilled Yes No 7 4 39 Good High Current Car New High Very Short M Married Own Unemployed Yes No 7 2 26 Good No Acct Critical Repairs Low Short M Divorced Own Skilled No Yes 25 2 32 Good Low Critical Furniture High Medium M Single Own Skilled No Yes 22 2 31 Good High Critical Car Used MedHigh Short M Single Own Skilled No Yes 16 2 35 Good No Acct Critical Small Appliance MedHigh Long M Single Own Management No Yes 19 3 31 Good 0Balance Critical Car New Low Long M Single Own Skilled Yes Yes 22 4 64 Good No Acct Delay Business Low Very Short M Divorced Own Skilled Yes Yes 37 1 27 Bad 0Balance Current Small Appliance MedLow Short F Divorced Own Unskilled Yes Yes 25 2 31 Bad 0Balance Current Small Appliance MedLow Very Short M Married Own Unskilled No Yes 13 3 32 Bad No Acct Current Business Low Medium M Single Own Unskilled Yes Yes 6 4 73 Good No Acct Current Furniture Low Medium F Divorced Own Unskilled Yes Yes 13 4 30 Good No Acct Current Furniture Low Very Short M Married Own Unskilled Yes Yes 19 1 42 Bad No Acct Critical Small Appliance High Long M Single Own Skilled Yes Yes 19 4 45 Good Low Current Small Appliance Low Long M Single Own Skilled Yes Yes 7 4 27 Good 0Balance Current Furniture Low Very Short F Divorced Rent Unskilled No Yes 25 4 22 Bad No Acct Delay Car Used High Short M Single Own Skilled Yes Yes 28 2 26 Good Low Critical Business No Acct Medium M Single Own Skilled No Yes 25 3 33 Good Low All Paid Car New MedLow Very Short F Divorced Own Skilled Yes Yes 19 3 27 Bad 0Balance Current Car New No Acct Short F Divorced Rent Skilled Yes Yes 25 4 24 Bad Low Current Furniture Low Very Short M Married Own Skilled Yes Yes 31 1 21 Good 0Balance Bank Paid Car New Low Unemployed F Divorced Rent Unemployed Yes Yes 25 4 28 Bad Low Current Small Appliance No Acct Unemployed M Single Own Management No Yes 13 1 51 Bad No Acct Delay Furniture Low Medium F Divorced Own Skilled Yes Yes 19 1 21 Bad No Acct Current Small Appliance Low Medium M Single Own Skilled No Yes 25 2 27 Good No Acct Delay Business MedHigh Very Short M Single Own Unskilled Yes Yes 22 2 40 Bad No Acct Critical Small Appliance Low Short M Single Other Skilled No Yes 16 4 34 Good 0Balance Current Car New Low Very Short F Divorced Own Unskilled No Yes 48 1 34 Good No Acct Current Education No Acct Long M Single Own Unskilled Yes Yes 10 4 63 Good Low Bank Paid Car New MedLow Unemployed M Single Own Management No Yes 16 2 33 Bad No Acct All Paid Car New No Acct Short F Divorced Own Skilled No Yes 22 4 28 Bad No Acct Critical Car New Low Short F Divorced Own Skilled No Yes 37 2 24 Bad Low Current Furniture High Very Short F Divorced Rent Unskilled Yes Yes 13 4 18 Good No Acct Current Small Appliance MedLow Unemployed F Divorced Own Skilled Yes Yes 14 4 63 Good No Acct Current Business No Acct Short M Divorced Own Skilled Yes Yes 49 2 37 Bad Low Critical Other Low Short M Single Own Management No Yes 25 3 38 Bad Low Current Small Appliance Low Very Short M Married Rent Skilled Yes Yes 13 1 22 Bad Low Bank Paid Car New MedLow Very Short F Divorced Own Unskilled Yes Yes 7 1 31 Bad No Acct Current Small Appliance Low Very Short M Single Own Skilled No Yes 19 2 31 Good 0Balance Delay Car New Low Unemployed M Single Other Skilled Yes Yes 25 2 42 Bad No Acct Current Furniture Low Short M Single Rent Unskilled Yes Yes 11 2 24 Bad High Delay Business Low Long M Single Own Management No Yes 31 4 65 Bad No Acct Critical Car Used High Long M Single Rent Skilled No Yes 16 4 22 Good 0Balance Current Car Used MedHigh Unemployed F Divorced Rent Unemployed No Yes 7 2 22 Good No Acct Current Small Appliance Low Short M Single Own Skilled No Yes 13 4 51 Good 0Balance Bank Paid Small Appliance Low Short F Divorced Own Unskilled Yes Yes 13 4 23 Bad No Acct Critical Education MedLow Short F Divorced Own Skilled Yes Yes 16 3 30 Good Low Critical Small Appliance Low Short M Married Own Skilled Yes Yes 19 2 32 Bad 0Balance Current Large Appliance MedLow Unemployed F Divorced Own Skilled Yes Yes 13 3 21 Bad 0Balance Current Education Low Very Short F Divorced Own Skilled Yes Yes 13 4 52 Bad 0Balance Current Furniture Low Medium F Divorced Rent Skilled Yes Yes 31 4 22 Bad Low Delay Business No Acct Long M Single Own Skilled Yes Yes 19 2 41 Good Low Delay Car New Low Short F Divorced Rent Skilled Yes Yes 37 2 53 Good 0Balance Critical Repairs Low Unemployed F Divorced Other Unemployed Yes Yes 19 4 54 Bad 0Balance Current Furniture Low Short M Single Own Unskilled Yes Yes 13 3 37 Good Low Current Small Appliance Low Medium M Single Own Skilled Yes Yes 49 4 27 Bad No Acct Current Car New MedHigh Short F Divorced Own Skilled Yes Yes 13 2 25 Bad No Acct Critical Small Appliance Low Short F Divorced Own Skilled Yes Yes 13 2 34 Good Low Delay Business Low Short M Divorced Own Management No Yes 37 2 29 Bad 0Balance Current Car New Low Short M Single Own Unskilled Yes Yes 10 3 27 Bad No Acct Critical Small Appliance No Acct Long F Divorced Own Unskilled Yes Yes 13 3 32 Bad No Acct Critical Car Used No Acct Short M Single Own Management No Yes 37 2 29 Good 0Balance Current Car New Low Very Short M Single Own Unskilled Yes Yes 13 1 32 Bad 0Balance Delay Small Appliance Low Very Short F Divorced Rent Unskilled No Yes 25 2 28 Bad 0Balance Current Furniture Low Medium F Divorced Rent Unskilled Yes Yes 22 4 25 Good No Acct Current Car New No Acct Long F Divorced Other Management No Yes 13 4 51 Good No Acct Current Car Used MedLow Long M Single Own Management No Yes 40 2 44 Good No Acct Current Business Low Medium M Single Own Skilled No Yes 19 1 33 Good No Acct Current Furniture Low Very Short F Divorced Rent Unskilled Yes Yes 5 3 22 Good No Acct Critical Car Used Low Long M Single Own Management No Yes 22 4 35 Good No Acct Critical Small Appliance Low Short M Single Own Skilled Yes Yes 16 2 30 Good Low Current Small Appliance Low Medium M Married Own Unskilled Yes Yes 7 3 27 Good 0Balance Current Business Low Very Short F Divorced Rent Skilled Yes Yes 49 4 23 Bad 0Balance Current Furniture Low Short F Divorced Rent Skilled Yes Yes 13 4 19 Bad No Acct Bank Paid Small Appliance MedHigh Long M Single Own Unskilled Yes Yes 7 4 44 Good No Acct Critical Small Appliance Low Medium M Single Own Unskilled Yes Yes 5 1 41 Good High Delay Car New Low Short F Divorced Own Skilled No Yes 13 2 35 Good Low All Paid Car New Low Very Short F Divorced Rent Unemployed Yes Yes 16 1 25 Bad 0Balance Current Car Used Low Unemployed M Single Other Management No Yes 25 2 28 Good No Acct Current Small Appliance No Acct Long M Single Own Skilled Yes Yes 16 2 34 Good Low Current Business Low Very Short F Divorced Own Skilled No Yes 28 1 31 Good High Critical Education Low Very Short M Divorced Rent Skilled Yes Yes 22 1 32 Bad 0Balance Current Furniture Low Long M Single Own Skilled Yes Yes 37 2 41 Bad Low Current Business Low Short M Single Own Skilled No Yes 49 2 22 Bad Low Current Other Low Short M Single Own Management No Yes 25 3 28 Bad No Acct Current Furniture MedLow Very Short F Divorced Rent Skilled Yes Yes 10 4 21 Good Low Delay Car New MedLow Long M Single Own Management No Yes 37 4 41 Bad High Critical Car New No Acct Medium M Single Own Unskilled Yes Yes 25 2 36 Bad No Acct Delay Business Low Very Short M Single Own Skilled No Yes 25 2 26 Bad 0Balance Critical Car Used Low Long M Single Other Management No Yes 31 4 37 Good Low Delay Business MedLow Medium M Single Rent Management No Yes 25 4 35 Good No Acct Current Small Appliance MedLow Medium M Single Own Skilled Yes Yes 13 1 34 Good No Acct Critical Car New MedHigh Short M Single Other Skilled Yes Yes 49 2 43 Bad No Acct Current Car New MedHigh Medium F Divorced Own Management Yes Yes 22 2 30 Good No Acct Current Furniture MedHigh Long M Single Rent Skilled No Yes 25 3 31 Good No Acct Critical Repairs Low Long M Single Other Skilled Yes Yes 25 4 43 Good No Acct Critical Small Appliance Low Medium F Divorced Own Skilled Yes Yes 31 2 24 Good Low Current Small Appliance High Medium M Single Own Skilled No Yes 49 2 26 Bad 0Balance Current Furniture Low Very Short F Divorced Rent Skilled Yes Yes 16 1 45 Good No Acct Current Furniture Low Very Short M Single Own Unskilled Yes Yes 16 3 26 Good 0Balance Current Furniture Low Long F Divorced Own Skilled No Yes 7 1 48 Good 0Balance Bank Paid Furniture Low Short M Single Own Skilled Yes Yes 19 3 43 Bad Low Bank Paid Other MedLow Long F Divorced Other Management No Yes 61 4 59 Bad No Acct Current Education Low Very Short F Divorced Own Skilled Yes Yes 7 2 55 Good 0Balance Current Small Appliance Low Unemployed M Single Own Management Yes Yes 25 2 29 Bad Low Current Car New No Acct Short F Divorced Own Skilled Yes Yes 19 2 32 Bad No Acct Current Business High Short M Single Own Management No Yes 25 3 53 Bad No Acct Delay Business MedLow Short M Single Own Unskilled Yes Yes 7 2 33 Good No Acct Critical Education Low Long F Divorced Other Unskilled Yes Yes 13 4 56 Good No Acct Current Car New No Acct Short M Single Other Skilled No Yes 61 4 33 Good 0Balance Current Car Used No Acct Long M Single Other Skilled Yes Yes 37 4 46 Bad Low Bank Paid Car Used Low Unemployed M Single Other Management No Yes 43 2 54 Good High Current Car New Low Long F Divorced Own Management Yes Yes 19 2 22 Good 0Balance Critical Car New Low Short M Single Rent Skilled Yes Yes 12 2 35 Good No Acct Delay Car New Low Long M Single Own Unskilled Yes Yes 25 4 46 Bad 0Balance Current Small Appliance No Acct Medium F Divorced Own Management No Yes 43 3 29 Bad 0Balance Current Car New Low Medium F Divorced Rent Skilled Yes Yes 25 4 22 Bad No Acct Delay Car New No Acct Long M Married Own Skilled No Yes 25 4 53 Good Low Current Furniture Low Medium M Divorced Own Skilled No Yes 25 3 42 Bad 0Balance Current Retraining Low Medium M Married Rent Skilled Yes Yes 13 4 20 Bad No Acct Critical Car New Low Short F Divorced Own Skilled Yes Yes 19 3 35 Good Low Critical Education Low Long F Divorced Own Management No Yes 10 3 33 Bad Low Current Education No Acct Short M Married Own Skilled Yes Yes 37 2 26 Good No Acct Current Furniture Low Short M Single Other Skilled Yes Yes 19 4 46 Good 0Balance Critical Car New Low Short F Divorced Own Skilled Yes Yes 13 2 28 Bad No Acct Current Small Appliance MedHigh Long M Single Own Skilled Yes Yes 37 4 38 Good No Acct All Paid Business Low Short M Single Own Skilled Yes Yes 19 2 35 Bad 0Balance All Paid Car New Low Short M Single Own Skilled Yes Yes 13 4 47 Bad Low Current Small Appliance Low Short M Single Own Skilled Yes Yes 10 3 23 Good Low Delay Car New Low Long M Single Other Skilled No Yes 37 4 56 Bad No Acct Current Furniture MedHigh Short F Divorced Rent Unskilled Yes Yes 13 4 28 Bad 0Balance Critical Car New Low Medium M Single

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Question: Review the Credit Risk document . The data set has 425 cases and 15 variables pertaining to past and current customers who have borrowed from

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