"credit"<- structure(.Data = list(row.labels = c(1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95), EVER90 = c(1, 1, 1, 1, 1, 1, 1, 0, 1, 0, 1, 0, 0, 1, 0, 0, 0, 0, 0, 1, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 1, 0, 0, 0, 0, 1, 1, 0, 0, 0, 1, 0, 0, 0, 0, 0, 1, 0, 1, 0, 1, 0, 1, 0, 0, 1, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 1, 0, 0, 1, 0, 0, 1, 1, 1, 0, 0, 0, 1, 0), FICO = c(576, 678, 693, 669, 542, 566, 643, 785, 461, 785, 620, 792, 748, 661, 753, 747, 720, 717, 763, 782, 758, 697, 690, 746, 679, 767, 733, 679, 765, 678, 782, 777, 765, 769, 720, 758, 724, 611, 639, 761, 549, 639, 719, 801, 765, 598, 603, 710, 774, 738, 676, 768, 765, 766, 729, 766, 671, 782, 756, 791, 650, 704, 664, 762, 733, 634, 797, 624, 749, 687, 732, 669, 692, 777, 682, 772, 809, 728, 669, 692, 721, 742, 687, 696, 586, 727, 725, 652, 722, 606, 761, 777, 629, 742, 752), LTV = c(0.86, 0.9, 0.8, 0.75, 0.95, 0.95, 0.84, 0.58, 0.8, 0.85, 0.95, 0.79, 0.9, 0.75, 0.7, 0.95, 0.88, 0.89, 0.9, 0.9, 0.42, 0.8, 0.75, 0.9, 0.7, 0.8, 0.88, 0.75, 0.36, 0.95, 0.62, 0.8, 0.63, 0.59, 0.38, 0.9, 0.7, 0.9, 0.61, 0.5, 0.66, 0.68, 0.61, 0.73, 0.9, 0.95, 0.95, 0.67, 0.48, 0.73, 0.73, 0.78, 0.9, 0.87, 0.9, 0.68, 0.75, 0.8, 0.75, 0.89, 0.85, 0.75, 0.8, 0.62, 0.7, 0.95, 0.26, 0.9, 0.7, 0.95, 0.72, 0.8, 0.79, 0.8, 0.47, 0.8, 0.75, 0.74, 0.67, 0.75, 0.75, 0.6899999999999999, 0.79, 0.83, 0.9, 0.8, 0.8, 0.95, 0.8, 0.8, 0.8, 0.8, 0.29, 0.74, 0.61), INCOME = c(5, 3, 5, 4, 4, 3, 5, 5, 4, 5, 3, 3, 4, 5, 5, 4, 5, 4, 5, 4, 5, 5, 2, 5, 5, 2, 5, 2, 3, 5, 4, 5, 5, 5, 5, 4, 5, 5, 5, 3, 3, 6, 5, 2, 5, 5, 4, 2, 5, 5, 3, 5, 5, 5, 4, 5, 1, 2, 2, 4, 3, 3, 8, 4, 3, 5, 3, 5, 2, 3, 4, 5, 5, 3, 4, 5, 5, 5, 5, 4, 5, 5, 2, 5, 5, 3, 7, 5, 5, 4, 5, 5, 5, 3, 2), CA = structure(.Data = c(1, 2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 2, 1, 1, 1, 2, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 2, 1, 1, 2, 2, 2, 1, 1, 2, 1, 1, 2, 2, 1, 1, 1, 2, 1, 1, 1, 1, 2, 1, 2, 1, 2, 2, 1, 1, 1, 1, 1, 1), .Label = c("Other", "California"), class = "factor")), class = "data.frame", row.names = c("1", "2", "3", "4", "5", "6", "7", "8", "9", "10", "11", "12", "13", "14", "15", "16", "17", "18", "19", "20", "21", "22", "23", "24", "25", "26", "27", "28", "29", "30", "31", "32", "33", "34", "35", "36", "37", "38", "39", "40", "41", "42", "43", "44", "45", "46", "47", "48", "49", "50", "51", "52", "53", "54", "55", "56", "57", "58", "59", "60", "61", "62", "63", "64", "65", "66", "67", "68", "69", "70", "71", "72", "73", "74", "75", "76", "77", "78", "79", "80", "81", "82", "83", "84", "85", "86", "87", "88", "89", "90", "91", "92", "93", "94", "95"))