Description
This assignment must be done in R. The purpose of this assignment is to perform classification using
regression trees, interpret the results, and analyze whether or not the
information generated can be used to address a specific business
problem.
For this assignment, you will use the “Credit Card Defaults” data set
from the Topic Materials. Most data categories are self-explanatory.
Clarifying notes are as follows.
- Limit_Balance: Balance limit on the credit card
- Sex: Gender
- Education: Highest level of education completed
- Pay_Status1-3: Pay status in the previous 1 to 3 months, respectively
- Pay_Amt_Prev1-3: Amount paid in the previous 1 to 3 months, respectively
- Bill_Amt_Prev1-3: Amount billed in the previous 1 to 3 months, respectively
- Default: Whether or not the individual defaulted on their credit card payment
You are an analyst for a credit card company. Management wants to
know if there are any early signs that indicate whether customers will
default on their credit cards. If these indicators can be identified,
then more scrutiny can be placed on customer transactions in an effort
to avoid losses. The rules to detect the potential for default must be
simple enough for management to understand and easily implemented as
part of the early default flagging system. Your task is to determine the
indicators and communicate your findings to management.
Question 1: Partition the data to create a training data set (70%) and test data set (30%).
Question 2: Build a single classification
tree with the training data and Default as the target. Include the
“Default Tree Model” output when submitting the answer.
- Which variable(s) were used in the tree model?
- How would you use the model to predict whether or not the customer will default?
- What is the accuracy of the model when using the training and test
data? Include the “Misclassification Table” outputs when submitting the
answer. - Consider the following individual: Limit_Balance=5000, Sex=Male,
Education=High School, Marital_Status=Married, Age=30, Pay_Status1=On
Time, Pay_Status2=On Time, Pay_Status3=2 Mths Late, Pay_Amt_Prev1=0,
Pay_Amt_Prev2=0, Pay_Amt_Prev3=0, Bill_Amt_Prev1=5000,
Bill_Amt_Prev2=2500, Bill_Amt_Prev3=100. Based on the classification
model, what is the predicted default outcome? Explain your answer.
Question 3: Predicting a default correctly
is more important than predicting a nondefault outcome. Therefore, the
focus of the modeling process should be weighted toward predicting
defaults accurately. One way to do this is by increasing the cost of
misclassifying a true default.
Rerun the model, but increase the cost of misclassifying a true
default by a factor of 5 vs. misclassifying a true nondefault as 1. Make
sure to set the minimum change in impurity to 0.01. Include the
“Default-weighted Tree Model” output when submitting the answer.
- Which variable(s) were used in the tree model?
- What is the accuracy of the model when using the training and test
data? Include the “Misclassification Table” outputs when submitting the
answer. - Consider the following individual: Limit_Balance=5000, Sex=Male,
Education=High School, Marital_Status=Married, Age=30, Pay_Status1=On
Time, Pay_Status2=On Time, Pay_Status3=2 Mths Late, Pay_Amt_Prev1=0,
Pay_Amt_Prev2=0, Pay_Amt_Prev3=0, Bill_Amt_Prev1=5000,
Bill_Amt_Prev2=2500, Bill_Amt_Prev3=100. Based on the classification
model, what is the predicted default outcome? Explain your answer.
Question 4: Based on the two classification tree models, which one should be used if the goal is to more accurately predict defaulters?
Question 5: Based upon your analysis, what
are the indicators of whether or not customers will default on their
credit cards? Discuss how management can use this information as part of
the early default flagging system. Present your finding in the form of a
250-word executive summary that includes relevant data, charts, and
tables to validate the conclusions presented.
General Requirements:
Submit the answers to Questions 1-4 and the executive summary as Word documents.
APA format is not required, but solid academic writing is expected.
This assignment uses a grading rubric. Please review the rubric prior
to beginning the assignment to become familiar with the expectations
for successful completion.
You are not required to submit this assignment to Turnitin.
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Limit_Balance
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200000
100000
Sex
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Male
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Female
Male
Male
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Female
Male
Education
High Scool
University
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Graduate School
Graduate School
High Scool
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Graduate School
Graduate School
High Scool
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University
University
University
High Scool
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High Scool
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High Scool
High Scool
University
University
Graduate School
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University
Graduate School
Graduate School
Graduate School
High Scool
University
Graduate School
University
University
High Scool
High Scool
University
University
High Scool
High Scool
University
University
Graduate School
Marital_Status
Married
Single
Married
Single
Single
Married
Married
Single
Married
Married
Married
Single
Single
Single
Married
Single
Single
Single
Single
Married
Single
Single
Married
Married
Married
Single
Single
Married
Married
Married
Single
Single
Married
Married
Single
Married
Married
Single
Single
Married
Married
Single
Single
Married
Married
Married
Age
42
39
35
25
27
47
31
32
38
50
46
25
42
36
32
26
29
24
34
60
27
24
47
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41
50
27
46
33
34
40
33
40
44
36
23
50
39
26
53
30
55
40
33
Pay_Status1
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
1 Mth Late
2 Mths Late
Nothing Due
On Time
1 Mth Late
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On Time
On Time
2 Mths Late
Nothing Due
Nothing Due
On Time
1 Mth Late
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
2 Mths Late
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
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50000
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110000
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340000
180000
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370000
340000
Female
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Female
Female
Female
Male
Female
Female
Male
Male
Female
Male
Female
Male
Female
Male
Female
Female
Female
Male
Male
Female
Female
Graduate School
University
University
High Scool
University
University
University
University
University
University
Graduate School
Graduate School
University
Graduate School
University
Graduate School
Graduate School
University
University
Graduate School
University
High Scool
Graduate School
High Scool
High Scool
University
University
University
University
High Scool
University
Graduate School
University
University
University
Graduate School
Graduate School
High Scool
University
High Scool
Graduate School
University
University
University
University
High Scool
High Scool
Single
Single
Married
Married
Single
Single
Married
Single
Single
Married
Married
Married
Married
Single
Single
Single
Single
Married
Single
Single
Single
Single
Married
Married
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Married
Married
Single
Married
Single
Married
Single
Single
Married
Single
Single
Married
Single
24
25
46
38
26
24
34
24
41
54
39
63
32
29
32
23
27
34
41
25
27
59
29
39
31
28
23
41
56
46
24
39
29
29
43
44
28
61
27
40
26
30
33
25
23
35
27
Nothing Due
2 Mths Late
On Time
2 Mths Late
3 Mths Late
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
1 Mth Late
On Time
Nothing Due
On Time
Nothing Due
On Time
On Time
Nothing Due
2 Mths Late
Nothing Due
On Time
On Time
On Time
1 Mth Late
1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
1 Mth Late
94
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460000
100000
50000
120000
130000
50000
170000
150000
360000
240000
260000
280000
230000
60000
170000
130000
20000
100000
50000
190000
380000
120000
290000
50000
270000
70000
50000
270000
60000
60000
100000
80000
70000
50000
90000
500000
80000
80000
230000
490000
100000
290000
70000
10000
100000
260000
20000
Male
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Female
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Male
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Male
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Female
Male
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Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Male
Female
Male
Male
Male
Female
Female
Male
Graduate School
University
University
Graduate School
University
High Scool
Graduate School
University
University
University
High Scool
High Scool
High Scool
University
University
University
University
University
University
University
Graduate School
University
High Scool
Graduate School
University
University
High Scool
Graduate School
High Scool
University
Graduate School
High Scool
High Scool
High Scool
High Scool
Graduate School
Graduate School
High Scool
University
Graduate School
High Scool
Graduate School
Graduate School
University
High Scool
University
University
Married
Single
Married
Single
Single
Married
Single
Single
Single
Married
Married
Single
Married
Single
Married
Single
Single
Single
Married
Single
Married
Married
Married
Single
Married
Married
Married
Single
Married
Single
Single
Married
Married
Married
Married
Married
Single
Single
Single
Single
Single
Married
Single
Single
Other
Single
Married
41
43
33
37
26
53
28
38
53
41
43
38
30
29
34
24
27
25
50
36
34
34
53
23
38
37
55
27
47
51
26
55
53
55
31
46
27
65
28
41
66
57
31
21
56
37
45
On Time
Nothing Due
Nothing Due
2 Mths Late
1 Mth Late
2 Mths Late
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
On Time
Nothing Due
2 Mths Late
1 Mth Late
1 Mth Late
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
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1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
2 Mths Late
Nothing Due
1 Mth Late
On Time
On Time
2 Mths Late
On Time
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
Nothing Due
1 Mth Late
On Time
On Time
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100000
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170000
Female
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Male
Male
Male
Male
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Female
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Female
Male
Male
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Female
High Scool
University
Graduate School
Graduate School
University
Graduate School
High Scool
Graduate School
High Scool
University
Graduate School
University
University
Graduate School
University
Graduate School
University
Graduate School
University
High Scool
University
University
High Scool
University
Graduate School
Graduate School
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Graduate School
University
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High Scool
Graduate School
Graduate School
Graduate School
University
University
University
University
Graduate School
University
Graduate School
Graduate School
University
University
University
Graduate School
Graduate School
Married
Married
Other
Other
Married
Single
Single
Single
Married
Single
Single
Married
Single
Single
Married
Single
Married
Single
Married
Single
Married
Married
Married
Married
Single
Single
Single
Single
Single
Married
Single
Married
Single
Single
Single
Single
Single
Single
Single
Married
Single
Single
Married
Single
Married
Single
Single
56
26
45
37
39
29
29
24
50
28
29
26
37
41
42
30
34
36
58
33
40
50
32
39
33
41
44
36
25
32
61
41
27
29
31
37
38
29
29
37
28
28
57
25
47
28
28
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
On Time
On Time
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
2 Mths Late
1 Mth Late
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
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2 Mths Late
Nothing Due
1 Mth Late
1 Mth Late
On Time
On Time
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
3 Mths Late
Nothing Due
On Time
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Nothing Due
1 Mth Late
On Time
Nothing Due
On Time
On Time
Nothing Due
On Time
On Time
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30000
470000
280000
710000
100000
340000
240000
100000
140000
280000
50000
70000
10000
180000
350000
150000
70000
150000
100000
100000
100000
300000
80000
520000
270000
400000
240000
300000
320000
250000
50000
20000
240000
360000
240000
50000
60000
50000
20000
180000
220000
500000
280000
80000
50000
150000
20000
Male
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Female
Male
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Male
Female
Male
Female
Male
Male
Male
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Female
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Male
Female
Male
Female
Female
Male
Female
Male
Female
Female
Female
Male
Male
Female
Female
Female
Male
Male
Female
Male
Male
University
University
University
University
Graduate School
Graduate School
Graduate School
Graduate School
University
Graduate School
High Scool
University
High Scool
University
Graduate School
University
University
Graduate School
Graduate School
High Scool
University
High Scool
Graduate School
Graduate School
University
Graduate School
Graduate School
Graduate School
Graduate School
Graduate School
University
University
University
Graduate School
University
Graduate School
University
High Scool
University
University
University
Graduate School
High Scool
Graduate School
University
Graduate School
Graduate School
Married
Married
Married
Married
Married
Married
Married
Single
Single
Single
Married
Single
Single
Married
Married
Married
Married
Other
Single
Married
Single
Single
Single
Single
Married
Married
Married
Single
Single
Single
Married
Single
Single
Single
Married
Single
Single
Married
Single
Single
Single
Single
Married
Single
Married
Married
Single
36
40
32
51
29
43
37
28
25
29
41
22
33
47
41
31
37
30
47
50
27
34
26
35
42
39
38
28
27
36
31
25
24
27
32
25
23
48
46
35
47
30
46
28
47
40
27
1 Mth Late
On Time
2 Mths Late
1 Mth Late
Nothing Due
On Time
Nothing Due
On Time
On Time
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
On Time
1 Mth Late
Nothing Due
On Time
1 Mth Late
235
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100000
50000
100000
360000
110000
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80000
50000
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150000
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20000
20000
290000
50000
110000
220000
50000
80000
30000
80000
200000
110000
100000
210000
230000
280000
140000
180000
160000
50000
80000
70000
200000
50000
20000
280000
20000
100000
30000
260000
50000
160000
360000
50000
Male
Female
Female
Male
Male
Male
Female
Female
Male
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Male
Female
Female
Female
Male
Female
Male
Male
Female
Male
Male
Male
Male
Male
Female
Female
Male
Female
Female
Male
Male
Female
Female
Female
Male
Male
Female
University
Graduate School
University
Graduate School
Graduate School
Graduate School
High Scool
University
Graduate School
Graduate School
Graduate School
University
University
High Scool
University
Graduate School
Graduate School
Graduate School
University
University
High Scool
High Scool
University
Graduate School
University
Graduate School
High Scool
Graduate School
Graduate School
Graduate School
Graduate School
University
Graduate School
University
University
University
Graduate School
University
University
University
University
University
Graduate School
High Scool
Graduate School
High Scool
University
Married
Single
Married
Married
Married
Single
Married
Married
Married
Married
Married
Single
Married
Single
Single
Single
Single
Single
Married
Single
Single
Married
Single
Married
Single
Married
Single
Married
Single
Married
Single
Single
Single
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Single
Married
Married
Single
29
26
34
51
48
29
50
33
54
42
38
35
44
41
51
31
33
24
41
25
29
21
22
41
24
49
48
39
30
43
33
30
42
35
25
39
47
31
27
30
27
22
38
51
30
37
24
2 Mths Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
On Time
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
On Time
1 Mth Late
1 Mth Late
Nothing Due
3 Mths Late
Nothing Due
4 Mths Late
2 Mths Late
On Time
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1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
7 Mths Late
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
On Time
2 Mths Late
On Time
On Time
Nothing Due
282
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285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
20000
470000
260000
20000
450000
150000
30000
150000
140000
50000
270000
60000
150000
150000
80000
70000
100000
230000
200000
280000
210000
230000
220000
80000
290000
150000
110000
350000
140000
100000
200000
50000
50000
230000
50000
210000
300000
360000
130000
130000
50000
90000
60000
60000
20000
50000
110000
Male
Male
Female
Male
Male
Male
Male
Male
Female
Female
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Female
Male
Female
Male
Male
Female
Female
Male
Female
Female
Female
Male
Female
Male
Male
Female
Female
Female
Female
Male
Female
Female
Female
Male
Male
Male
University
University
Graduate School
High Scool
Graduate School
High Scool
University
Graduate School
University
High Scool
Graduate School
University
University
Graduate School
Graduate School
Other
Graduate School
Graduate School
Other
University
Graduate School
Graduate School
University
High Scool
Graduate School
Graduate School
University
University
Graduate School
Graduate School
Graduate School
University
University
Graduate School
High Scool
University
Graduate School
University
Graduate School
University
University
Graduate School
Graduate School
University
Graduate School
University
Graduate School
Married
Single
Married
Single
Single
Single
Married
Married
Single
Married
Single
Married
Married
Single
Single
Married
Single
Single
Single
Married
Married
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Married
Single
Single
Single
Single
Single
Married
Single
Married
Single
Married
Single
Married
Married
Single
Single
40
32
38
50
31
31
47
41
24
55
36
29
35
33
38
23
27
32
48
40
40
24
31
25
37
33
29
35
41
30
33
43
46
29
34
25
28
37
29
45
29
28
33
42
62
32
30
Nothing Due
On Time
1 Mth Late
On Time
On Time
On Time
Nothing Due
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
On Time
Nothing Due
On Time
1 Mth Late
1 Mth Late
Nothing Due
1 Mth Late
On Time
On Time
Nothing Due
On Time
On Time
1 Mth Late
Nothing Due
Nothing Due
On Time
1 Mth Late
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
50000
30000
150000
50000
300000
220000
230000
140000
80000
150000
60000
50000
240000
20000
140000
240000
60000
210000
50000
50000
340000
90000
80000
100000
450000
30000
80000
190000
500000
150000
120000
50000
50000
500000
50000
20000
130000
20000
50000
50000
390000
150000
140000
70000
450000
490000
100000
Male
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Male
Male
Male
Male
Female
Female
Male
Female
Female
Male
Male
Male
Female
Female
Female
Male
Male
Female
Female
Female
Male
Female
Female
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Male
Graduate School
High Scool
University
University
Graduate School
Graduate School
University
Graduate School
University
University
Graduate School
University
Graduate School
University
Graduate School
Graduate School
University
Graduate School
Graduate School
University
Graduate School
High Scool
High Scool
High Scool
Graduate School
University
University
Graduate School
Graduate School
University
University
University
University
Graduate School
High Scool
High Scool
High Scool
High Scool
University
University
High Scool
University
Graduate School
University
Graduate School
University
High Scool
Single
Single
Single
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Single
Single
Married
Single
Single
Married
Married
Married
Married
Single
Single
Married
Single
Married
Single
Married
Single
Married
Married
Married
Married
Married
Married
Married
Married
Single
Single
Single
Married
Single
Married
Married
Single
Single
34
26
25
28
27
29
34
24
36
35
36
43
27
24
50
35
29
29
31
48
36
34
32
27
37
21
47
33
33
27
28
43
50
51
42
27
36
52
24
31
30
42
32
31
33
52
30
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
1 Mth Late
On Time
On Time
Nothing Due
1 Mth Late
On Time
1 Mth Late
2 Mths Late
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
3 Mths Late
3 Mths Late
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
60000
100000
180000
30000
180000
320000
60000
50000
230000
110000
120000
390000
180000
50000
250000
230000
90000
10000
360000
50000
260000
460000
70000
200000
260000
160000
50000
50000
360000
360000
360000
80000
40000
200000
200000
500000
30000
50000
360000
320000
230000
200000
20000
500000
230000
50000
470000
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Male
Female
Male
Male
Male
Male
Male
Female
Male
Male
Male
Female
Female
Female
Male
Male
Female
Female
Female
Male
Female
Male
Female
Male
Female
Female
Male
Female
Male
Female
Male
Male
Female
Male
Male
Male
Graduate School
University
University
Graduate School
Graduate School
Graduate School
University
University
University
Graduate School
High Scool
University
High Scool
University
High Scool
Graduate School
University
University
University
University
University
Graduate School
University
Graduate School
Graduate School
University
High Scool
University
Graduate School
Graduate School
University
University
Graduate School
University
Graduate School
University
High Scool
High Scool
Graduate School
Graduate School
Graduate School
High Scool
University
University
Graduate School
University
Graduate School
Single
Married
Married
Single
Single
Married
Single
Single
Single
Single
Single
Single
Married
Single
Married
Married
Single
Single
Single
Married
Single
Married
Married
Married
Married
Married
Single
Married
Single
Married
Married
Married
Married
Single
Single
Married
Single
Married
Married
Single
Single
Married
Single
Single
Single
Married
Single
25
35
32
27
28
36
23
56
23
29
53
41
42
38
39
40
30
26
28
60
32
40
27
43
31
40
27
39
35
64
37
25
34
30
34
42
38
51
34
33
24
50
30
48
27
43
33
Nothing Due
On Time
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
3 Mths Late
Nothing Due
On Time
Nothing Due
1 Mth Late
Nothing Due
On Time
On Time
On Time
Nothing Due
On Time
On Time
1 Mth Late
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
2 Mths Late
Nothing Due
On Time
1 Mth Late
On Time
1 Mth Late
Nothing Due
On Time
On Time
Nothing Due
On Time
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
160000
120000
150000
10000
300000
300000
60000
20000
410000
480000
110000
170000
370000
100000
470000
100000
290000
360000
200000
210000
10000
50000
50000
80000
330000
360000
70000
50000
200000
420000
250000
120000
150000
30000
30000
120000
50000
140000
20000
410000
20000
180000
500000
30000
310000
20000
270000
Female
Male
Female
Female
Female
Male
Female
Male
Female
Male
Male
Male
Female
Female
Female
Female
Female
Male
Female
Male
Male
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Male
Female
Male
Female
Graduate School
University
University
Graduate School
Graduate School
University
University
Graduate School
Graduate School
University
University
Graduate School
Other
High Scool
University
University
University
Graduate School
Graduate School
University
University
University
Graduate School
University
University
University
University
Graduate School
High Scool
Graduate School
Graduate School
University
Graduate School
University
High Scool
Graduate School
University
University
High Scool
Graduate School
High Scool
High Scool
University
University
University
High Scool
High Scool
Married
Married
Single
Single
Married
Married
Single
Single
Single
Married
Married
Single
Married
Married
Single
Single
Single
Married
Single
Married
Single
Single
Single
Single
Married
Married
Single
Married
Married
Single
Married
Married
Married
Single
Married
Married
Single
Single
Married
Single
Married
Married
Married
Married
Married
Married
Married
47
41
27
22
36
39
38
30
41
39
42
30
48
39
43
27
41
57
29
33
23
39
27
26
43
41
22
39
29
34
44
27
54
24
48
33
25
36
53
34
52
47
32
58
29
40
43
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
3 Mths Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
On Time
Nothing Due
On Time
On Time
Nothing Due
On Time
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
505
506
507
508
509
510
511
512
513
514
515
516
290000
210000
150000
50000
140000
500000
200000
30000
200000
230000
80000
340000
40000
180000
30000
20000
10000
80000
230000
200000
200000
150000
90000
20000
310000
180000
300000
360000
80000
120000
170000
90000
220000
70000
680000
50000
460000
210000
90000
90000
60000
10000
90000
10000
180000
80000
110000
Female
Female
Male
Male
Male
Male
Male
Female
Male
Female
Female
Male
Female
Female
Male
Male
Male
Female
Female
Male
Male
Female
Female
Male
Female
Male
Male
Female
Female
Male
Male
Female
Female
Male
Female
Female
Female
Female
Female
Female
Female
Female
Male
Male
Female
Male
Male
Graduate School
University
Graduate School
University
Graduate School
Graduate School
Graduate School
University
University
Graduate School
University
Graduate School
University
University
High Scool
Graduate School
High Scool
High Scool
University
High Scool
High Scool
University
University
Graduate School
University
Graduate School
Graduate School
University
Graduate School
High Scool
Graduate School
Graduate School
Graduate School
University
Graduate School
High Scool
Graduate School
University
University
University
University
High Scool
Graduate School
University
University
Graduate School
High Scool
Single
Married
Single
Single
Single
Single
Married
Single
Married
Single
Married
Married
Married
Married
Married
Single
Married
Married
Single
Married
Single
Married
Single
Single
Married
Married
Married
Married
Married
Married
Single
Married
Married
Married
Single
Married
Married
Married
Single
Married
Single
Single
Single
Single
Single
Single
Single
24
36
28
27
27
35
41
50
38
25
39
41
38
33
50
23
40
26
27
49
40
38
23
22
43
38
43
27
45
46
32
29
43
43
30
49
43
35
35
47
22
22
29
23
37
23
34
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
1 Mth Late
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
Nothing Due
2 Mths Late
On Time
Nothing Due
2 Mths Late
2 Mths Late
2 Mths Late
1 Mth Late
Nothing Due
Nothing Due
On Time
On Time
2 Mths Late
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
550
551
552
553
554
555
556
557
558
559
560
561
562
563
30000
300000
100000
330000
10000
160000
200000
240000
80000
100000
220000
170000
30000
170000
180000
500000
50000
140000
160000
180000
500000
120000
30000
100000
50000
160000
330000
50000
60000
80000
80000
90000
160000
110000
40000
310000
20000
300000
380000
180000
180000
80000
360000
140000
20000
30000
50000
Female
Female
Male
Male
Male
Female
Male
Male
Male
Female
Female
Male
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Male
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Male
Female
Female
Male
Female
Female
Female
Female
Male
Female
Male
Male
High Scool
Graduate School
Other
University
University
High Scool
Graduate School
Graduate School
University
University
Graduate School
University
University
University
Graduate School
Graduate School
High Scool
High Scool
High Scool
University
High Scool
University
University
Graduate School
Graduate School
Graduate School
Graduate School
Graduate School
Other
University
University
Graduate School
High Scool
High Scool
University
Graduate School
Graduate School
Graduate School
High Scool
University
University
University
University
University
Graduate School
University
Graduate School
Single
Single
Other
Married
Single
Married
Single
Married
Married
Married
Married
Married
Married
Married
Married
Single
Married
Single
Married
Married
Married
Married
Single
Single
Single
Married
Married
Single
Single
Married
Married
Single
Married
Married
Married
Single
Single
Single
Married
Married
Married
Married
Married
Married
Single
Married
Single
26
30
44
52
28
31
32
42
46
27
36
34
50
43
46
28
37
24
33
38
47
29
31
41
27
39
32
25
27
51
36
31
30
40
49
31
27
26
52
48
51
46
46
37
37
44
31
2 Mths Late
On Time
2 Mths Late
Nothing Due
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
Nothing Due
2 Mths Late
Nothing Due
On Time
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
1 Mth Late
On Time
Nothing Due
Nothing Due
Nothing Due
3 Mths Late
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
1 Mth Late
1 Mth Late
Nothing Due
564
565
566
567
568
569
570
571
572
573
574
575
576
577
578
579
580
581
582
583
584
585
586
587
588
589
590
591
592
593
594
595
596
597
598
599
600
601
602
603
604
605
606
607
608
609
610
500000
240000
200000
160000
80000
200000
50000
50000
60000
30000
60000
700000
150000
80000
110000
200000
200000
180000
10000
50000
180000
170000
210000
580000
160000
50000
500000
160000
360000
390000
80000
240000
50000
300000
290000
280000
50000
560000
400000
30000
200000
80000
200000
200000
90000
280000
290000
Female
Female
Female
Female
Female
Female
Female
Male
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Male
Male
Female
Male
Female
Female
Female
Male
Female
Female
Male
Male
Female
Female
Female
Male
Female
Male
Male
Female
Male
Female
University
University
Graduate School
University
Graduate School
Graduate School
High Scool
Graduate School
University
University
High Scool
University
University
University
University
Graduate School
University
High Scool
Graduate School
University
University
High Scool
High Scool
Graduate School
Graduate School
High Scool
Graduate School
High Scool
High Scool
Graduate School
University
University
Graduate School
Graduate School
University
Graduate School
University
University
Graduate School
High Scool
Graduate School
University
Graduate School
Graduate School
University
Graduate School
High Scool
Married
Single
Married
Single
Single
Single
Married
Single
Single
Single
Single
Single
Single
Married
Single
Single
Married
Single
Single
Single
Single
Single
Married
Married
Single
Single
Married
Single
Single
Married
Single
Married
Married
Married
Married
Married
Single
Married
Single
Single
Single
Married
Single
Married
Single
Single
Single
32
24
31
33
24
47
31
24
25
22
24
28
28
29
34
37
36
24
22
24
27
26
53
36
28
29
42
36
41
41
22
42
42
51
50
41
29
45
28
29
32
26
29
43
25
31
35
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
2 Mths Late
Nothing Due
1 Mth Late
1 Mth Late
2 Mths Late
1 Mth Late
2 Mths Late
2 Mths Late
Nothing Due
Nothing Due
On Time
1 Mth Late
1 Mth Late
On Time
2 Mths Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
611
612
613
614
615
616
617
618
619
620
621
622
623
624
625
626
627
628
629
630
631
632
633
634
635
636
637
638
639
640
641
642
643
644
645
646
647
648
649
650
651
652
653
654
655
656
657
130000
50000
100000
160000
200000
20000
230000
50000
70000
60000
100000
20000
60000
190000
50000
30000
70000
30000
270000
200000
290000
50000
100000
100000
300000
120000
140000
140000
350000
230000
300000
100000
30000
130000
20000
150000
120000
130000
160000
50000
510000
230000
110000
80000
120000
500000
210000
Female
Male
Female
Female
Male
Male
Female
Female
Male
Female
Male
Male
Female
Male
Female
Female
Female
Male
Female
Male
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Male
Male
Female
Male
Male
Male
Male
Female
Female
Female
Male
Female
Male
Male
Male
Male
Female
Graduate School
University
Graduate School
High Scool
Graduate School
Graduate School
University
High Scool
High Scool
High Scool
Graduate School
University
University
University
University
University
Graduate School
University
Graduate School
High Scool
Graduate School
University
University
University
University
University
High Scool
University
University
University
University
Graduate School
University
University
University
Graduate School
High Scool
Graduate School
Graduate School
Graduate School
Graduate School
Graduate School
University
Graduate School
Graduate School
University
Graduate School
Single
Single
Single
Single
Married
Single
Single
Married
Married
Single
Single
Married
Married
Married
Married
Married
Single
Single
Single
Married
Married
Married
Single
Single
Married
Married
Married
Single
Married
Single
Married
Single
Married
Single
Married
Single
Married
Single
Single
Single
Married
Single
Single
Single
Single
Married
Single
29
32
24
39
43
24
31
36
33
45
29
32
30
43
48
31
25
54
28
41
5
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
Limit_Balance
160000
50000
230000
140000
10000
80000
50000
50000
210000
310000
300000
70000
300000
80000
420000
430000
160000
20000
150000
350000
50000
20000
180000
70000
50000
130000
420000
310000
140000
350000
50000
200000
40000
240000
340000
50000
290000
50000
30000
80000
50000
50000
360000
460000
200000
100000
Sex
Male
Male
Male
Female
Male
Female
Male
Male
Female
Male
Female
Female
Male
Male
Male
Male
Male
Male
Female
Male
Male
Female
Female
Female
Female
Female
Female
Male
Female
Female
Male
Female
Female
Male
Female
Male
Male
Male
Female
Male
Female
Male
Male
Male
Female
Male
Education
High Scool
University
University
Graduate School
Graduate School
High Scool
University
University
Graduate School
Graduate School
High Scool
University
University
University
University
High Scool
University
High Scool
Graduate School
Graduate School
University
University
High Scool
High Scool
University
University
Graduate School
Graduate School
University
Graduate School
Graduate School
Graduate School
High Scool
University
Graduate School
University
University
High Scool
High Scool
University
University
High Scool
High Scool
University
University
Graduate School
Marital_Status
Married
Single
Married
Single
Single
Married
Married
Single
Married
Married
Married
Single
Single
Single
Married
Single
Single
Single
Single
Married
Single
Single
Married
Married
Married
Single
Single
Married
Married
Married
Single
Single
Married
Married
Single
Married
Married
Single
Single
Married
Married
Single
Single
Married
Married
Married
Age
42
39
35
25
27
47
31
32
38
50
46
25
42
36
32
26
29
24
34
60
27
24
47
49
40
40
41
50
27
46
33
34
40
33
40
44
36
23
50
39
26
53
30
55
40
33
Pay_Status1
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
1 Mth Late
2 Mths Late
Nothing Due
On Time
1 Mth Late
Nothing Due
Nothing Due
On Time
On Time
2 Mths Late
Nothing Due
Nothing Due
On Time
1 Mth Late
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
2 Mths Late
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
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
50000
80000
360000
60000
30000
140000
310000
30000
90000
50000
260000
280000
240000
110000
140000
20000
290000
130000
210000
60000
50000
30000
320000
40000
410000
240000
30000
50000
80000
50000
120000
160000
130000
240000
50000
300000
240000
170000
20000
340000
180000
320000
140000
20000
10000
370000
340000
Female
Female
Male
Male
Male
Female
Female
Female
Female
Female
Female
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Female
Female
Male
Female
Female
Male
Male
Female
Male
Female
Male
Female
Male
Female
Female
Female
Male
Male
Female
Female
Graduate School
University
University
High Scool
University
University
University
University
University
University
Graduate School
Graduate School
University
Graduate School
University
Graduate School
Graduate School
University
University
Graduate School
University
High Scool
Graduate School
High Scool
High Scool
University
University
University
University
High Scool
University
Graduate School
University
University
University
Graduate School
Graduate School
High Scool
University
High Scool
Graduate School
University
University
University
University
High Scool
High Scool
Single
Single
Married
Married
Single
Single
Married
Single
Single
Married
Married
Married
Married
Single
Single
Single
Single
Married
Single
Single
Single
Single
Married
Married
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Married
Married
Single
Married
Single
Married
Single
Single
Married
Single
Single
Married
Single
24
25
46
38
26
24
34
24
41
54
39
63
32
29
32
23
27
34
41
25
27
59
29
39
31
28
23
41
56
46
24
39
29
29
43
44
28
61
27
40
26
30
33
25
23
35
27
Nothing Due
2 Mths Late
On Time
2 Mths Late
3 Mths Late
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
1 Mth Late
On Time
Nothing Due
On Time
Nothing Due
On Time
On Time
Nothing Due
2 Mths Late
Nothing Due
On Time
On Time
On Time
1 Mth Late
1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
1 Mth Late
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
460000
100000
50000
120000
130000
50000
170000
150000
360000
240000
260000
280000
230000
60000
170000
130000
20000
100000
50000
190000
380000
120000
290000
50000
270000
70000
50000
270000
60000
60000
100000
80000
70000
50000
90000
500000
80000
80000
230000
490000
100000
290000
70000
10000
100000
260000
20000
Male
Male
Female
Female
Female
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Male
Male
Female
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Male
Female
Male
Male
Male
Female
Female
Male
Graduate School
University
University
Graduate School
University
High Scool
Graduate School
University
University
University
High Scool
High Scool
High Scool
University
University
University
University
University
University
University
Graduate School
University
High Scool
Graduate School
University
University
High Scool
Graduate School
High Scool
University
Graduate School
High Scool
High Scool
High Scool
High Scool
Graduate School
Graduate School
High Scool
University
Graduate School
High Scool
Graduate School
Graduate School
University
High Scool
University
University
Married
Single
Married
Single
Single
Married
Single
Single
Single
Married
Married
Single
Married
Single
Married
Single
Single
Single
Married
Single
Married
Married
Married
Single
Married
Married
Married
Single
Married
Single
Single
Married
Married
Married
Married
Married
Single
Single
Single
Single
Single
Married
Single
Single
Other
Single
Married
41
43
33
37
26
53
28
38
53
41
43
38
30
29
34
24
27
25
50
36
34
34
53
23
38
37
55
27
47
51
26
55
53
55
31
46
27
65
28
41
66
57
31
21
56
37
45
On Time
Nothing Due
Nothing Due
2 Mths Late
1 Mth Late
2 Mths Late
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
On Time
Nothing Due
2 Mths Late
1 Mth Late
1 Mth Late
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
2 Mths Late
Nothing Due
1 Mth Late
On Time
On Time
2 Mths Late
On Time
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
Nothing Due
1 Mth Late
On Time
On Time
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
20000
80000
50000
50000
120000
250000
610000
30000
70000
90000
180000
20000
50000
320000
360000
100000
50000
110000
70000
360000
100000
100000
50000
80000
380000
230000
20000
140000
30000
50000
200000
170000
380000
150000
30000
160000
120000
500000
100000
90000
310000
70000
340000
100000
50000
180000
170000
Female
Female
Male
Male
Female
Female
Male
Male
Male
Male
Female
Male
Female
Male
Female
Male
Male
Female
Female
Male
Female
Male
Female
Female
Female
Female
Male
Male
Male
Male
Male
Female
Female
Female
Female
Male
Male
Female
Female
Female
Female
Female
Female
Male
Male
Male
Female
High Scool
University
Graduate School
Graduate School
University
Graduate School
High Scool
Graduate School
High Scool
University
Graduate School
University
University
Graduate School
University
Graduate School
University
Graduate School
University
High Scool
University
University
High Scool
University
Graduate School
Graduate School
University
Graduate School
University
University
High Scool
Graduate School
Graduate School
Graduate School
University
University
University
University
Graduate School
University
Graduate School
Graduate School
University
University
University
Graduate School
Graduate School
Married
Married
Other
Other
Married
Single
Single
Single
Married
Single
Single
Married
Single
Single
Married
Single
Married
Single
Married
Single
Married
Married
Married
Married
Single
Single
Single
Single
Single
Married
Single
Married
Single
Single
Single
Single
Single
Single
Single
Married
Single
Single
Married
Single
Married
Single
Single
56
26
45
37
39
29
29
24
50
28
29
26
37
41
42
30
34
36
58
33
40
50
32
39
33
41
44
36
25
32
61
41
27
29
31
37
38
29
29
37
28
28
57
25
47
28
28
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
On Time
On Time
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
2 Mths Late
1 Mth Late
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
2 Mths Late
Nothing Due
1 Mth Late
1 Mth Late
On Time
On Time
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
3 Mths Late
Nothing Due
On Time
Nothing Due
Nothing Due
1 Mth Late
On Time
Nothing Due
On Time
On Time
Nothing Due
On Time
On Time
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
30000
470000
280000
710000
100000
340000
240000
100000
140000
280000
50000
70000
10000
180000
350000
150000
70000
150000
100000
100000
100000
300000
80000
520000
270000
400000
240000
300000
320000
250000
50000
20000
240000
360000
240000
50000
60000
50000
20000
180000
220000
500000
280000
80000
50000
150000
20000
Male
Male
Male
Male
Female
Male
Male
Female
Male
Female
Male
Female
Male
Male
Male
Female
Male
Female
Female
Female
Female
Female
Female
Female
Female
Female
Male
Female
Male
Female
Female
Male
Female
Male
Female
Female
Female
Male
Male
Female
Female
Female
Male
Male
Female
Male
Male
University
University
University
University
Graduate School
Graduate School
Graduate School
Graduate School
University
Graduate School
High Scool
University
High Scool
University
Graduate School
University
University
Graduate School
Graduate School
High Scool
University
High Scool
Graduate School
Graduate School
University
Graduate School
Graduate School
Graduate School
Graduate School
Graduate School
University
University
University
Graduate School
University
Graduate School
University
High Scool
University
University
University
Graduate School
High Scool
Graduate School
University
Graduate School
Graduate School
Married
Married
Married
Married
Married
Married
Married
Single
Single
Single
Married
Single
Single
Married
Married
Married
Married
Other
Single
Married
Single
Single
Single
Single
Married
Married
Married
Single
Single
Single
Married
Single
Single
Single
Married
Single
Single
Married
Single
Single
Single
Single
Married
Single
Married
Married
Single
36
40
32
51
29
43
37
28
25
29
41
22
33
47
41
31
37
30
47
50
27
34
26
35
42
39
38
28
27
36
31
25
24
27
32
25
23
48
46
35
47
30
46
28
47
40
27
1 Mth Late
On Time
2 Mths Late
1 Mth Late
Nothing Due
On Time
Nothing Due
On Time
On Time
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
On Time
1 Mth Late
Nothing Due
On Time
1 Mth Late
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
100000
50000
100000
360000
110000
130000
80000
50000
150000
180000
160000
150000
160000
20000
20000
290000
50000
110000
220000
50000
80000
30000
80000
200000
110000
100000
210000
230000
280000
140000
180000
160000
50000
80000
70000
200000
50000
20000
280000
20000
100000
30000
260000
50000
160000
360000
50000
Male
Female
Female
Male
Male
Male
Female
Female
Male
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Male
Female
Female
Female
Male
Female
Male
Male
Female
Male
Male
Male
Male
Male
Female
Female
Male
Female
Female
Male
Male
Female
Female
Female
Male
Male
Female
University
Graduate School
University
Graduate School
Graduate School
Graduate School
High Scool
University
Graduate School
Graduate School
Graduate School
University
University
High Scool
University
Graduate School
Graduate School
Graduate School
University
University
High Scool
High Scool
University
Graduate School
University
Graduate School
High Scool
Graduate School
Graduate School
Graduate School
Graduate School
University
Graduate School
University
University
University
Graduate School
University
University
University
University
University
Graduate School
High Scool
Graduate School
High Scool
University
Married
Single
Married
Married
Married
Single
Married
Married
Married
Married
Married
Single
Married
Single
Single
Single
Single
Single
Married
Single
Single
Married
Single
Married
Single
Married
Single
Married
Single
Married
Single
Single
Single
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Single
Married
Married
Single
29
26
34
51
48
29
50
33
54
42
38
35
44
41
51
31
33
24
41
25
29
21
22
41
24
49
48
39
30
43
33
30
42
35
25
39
47
31
27
30
27
22
38
51
30
37
24
2 Mths Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
On Time
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
On Time
1 Mth Late
1 Mth Late
Nothing Due
3 Mths Late
Nothing Due
4 Mths Late
2 Mths Late
On Time
Nothing Due
1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
7 Mths Late
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
On Time
2 Mths Late
On Time
On Time
Nothing Due
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
20000
470000
260000
20000
450000
150000
30000
150000
140000
50000
270000
60000
150000
150000
80000
70000
100000
230000
200000
280000
210000
230000
220000
80000
290000
150000
110000
350000
140000
100000
200000
50000
50000
230000
50000
210000
300000
360000
130000
130000
50000
90000
60000
60000
20000
50000
110000
Male
Male
Female
Male
Male
Male
Male
Male
Female
Female
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Female
Male
Female
Male
Male
Female
Female
Male
Female
Female
Female
Male
Female
Male
Male
Female
Female
Female
Female
Male
Female
Female
Female
Male
Male
Male
University
University
Graduate School
High Scool
Graduate School
High Scool
University
Graduate School
University
High Scool
Graduate School
University
University
Graduate School
Graduate School
Other
Graduate School
Graduate School
Other
University
Graduate School
Graduate School
University
High Scool
Graduate School
Graduate School
University
University
Graduate School
Graduate School
Graduate School
University
University
Graduate School
High Scool
University
Graduate School
University
Graduate School
University
University
Graduate School
Graduate School
University
Graduate School
University
Graduate School
Married
Single
Married
Single
Single
Single
Married
Married
Single
Married
Single
Married
Married
Single
Single
Married
Single
Single
Single
Married
Married
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Married
Single
Single
Single
Single
Single
Married
Single
Married
Single
Married
Single
Married
Married
Single
Single
40
32
38
50
31
31
47
41
24
55
36
29
35
33
38
23
27
32
48
40
40
24
31
25
37
33
29
35
41
30
33
43
46
29
34
25
28
37
29
45
29
28
33
42
62
32
30
Nothing Due
On Time
1 Mth Late
On Time
On Time
On Time
Nothing Due
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
On Time
Nothing Due
On Time
1 Mth Late
1 Mth Late
Nothing Due
1 Mth Late
On Time
On Time
Nothing Due
On Time
On Time
1 Mth Late
Nothing Due
Nothing Due
On Time
1 Mth Late
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
50000
30000
150000
50000
300000
220000
230000
140000
80000
150000
60000
50000
240000
20000
140000
240000
60000
210000
50000
50000
340000
90000
80000
100000
450000
30000
80000
190000
500000
150000
120000
50000
50000
500000
50000
20000
130000
20000
50000
50000
390000
150000
140000
70000
450000
490000
100000
Male
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Male
Male
Male
Male
Female
Female
Male
Female
Female
Male
Male
Male
Female
Female
Female
Male
Male
Female
Female
Female
Male
Female
Female
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Male
Graduate School
High Scool
University
University
Graduate School
Graduate School
University
Graduate School
University
University
Graduate School
University
Graduate School
University
Graduate School
Graduate School
University
Graduate School
Graduate School
University
Graduate School
High Scool
High Scool
High Scool
Graduate School
University
University
Graduate School
Graduate School
University
University
University
University
Graduate School
High Scool
High Scool
High Scool
High Scool
University
University
High Scool
University
Graduate School
University
Graduate School
University
High Scool
Single
Single
Single
Single
Single
Single
Married
Single
Married
Single
Married
Single
Single
Single
Single
Married
Single
Single
Married
Married
Married
Married
Single
Single
Married
Single
Married
Single
Married
Single
Married
Married
Married
Married
Married
Married
Married
Married
Single
Single
Single
Married
Single
Married
Married
Single
Single
34
26
25
28
27
29
34
24
36
35
36
43
27
24
50
35
29
29
31
48
36
34
32
27
37
21
47
33
33
27
28
43
50
51
42
27
36
52
24
31
30
42
32
31
33
52
30
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
1 Mth Late
On Time
On Time
Nothing Due
1 Mth Late
On Time
1 Mth Late
2 Mths Late
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
3 Mths Late
3 Mths Late
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
60000
100000
180000
30000
180000
320000
60000
50000
230000
110000
120000
390000
180000
50000
250000
230000
90000
10000
360000
50000
260000
460000
70000
200000
260000
160000
50000
50000
360000
360000
360000
80000
40000
200000
200000
500000
30000
50000
360000
320000
230000
200000
20000
500000
230000
50000
470000
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Male
Female
Male
Male
Male
Male
Male
Female
Male
Male
Male
Female
Female
Female
Male
Male
Female
Female
Female
Male
Female
Male
Female
Male
Female
Female
Male
Female
Male
Female
Male
Male
Female
Male
Male
Male
Graduate School
University
University
Graduate School
Graduate School
Graduate School
University
University
University
Graduate School
High Scool
University
High Scool
University
High Scool
Graduate School
University
University
University
University
University
Graduate School
University
Graduate School
Graduate School
University
High Scool
University
Graduate School
Graduate School
University
University
Graduate School
University
Graduate School
University
High Scool
High Scool
Graduate School
Graduate School
Graduate School
High Scool
University
University
Graduate School
University
Graduate School
Single
Married
Married
Single
Single
Married
Single
Single
Single
Single
Single
Single
Married
Single
Married
Married
Single
Single
Single
Married
Single
Married
Married
Married
Married
Married
Single
Married
Single
Married
Married
Married
Married
Single
Single
Married
Single
Married
Married
Single
Single
Married
Single
Single
Single
Married
Single
25
35
32
27
28
36
23
56
23
29
53
41
42
38
39
40
30
26
28
60
32
40
27
43
31
40
27
39
35
64
37
25
34
30
34
42
38
51
34
33
24
50
30
48
27
43
33
Nothing Due
On Time
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
3 Mths Late
Nothing Due
On Time
Nothing Due
1 Mth Late
Nothing Due
On Time
On Time
On Time
Nothing Due
On Time
On Time
1 Mth Late
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
2 Mths Late
Nothing Due
On Time
1 Mth Late
On Time
1 Mth Late
Nothing Due
On Time
On Time
Nothing Due
On Time
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
160000
120000
150000
10000
300000
300000
60000
20000
410000
480000
110000
170000
370000
100000
470000
100000
290000
360000
200000
210000
10000
50000
50000
80000
330000
360000
70000
50000
200000
420000
250000
120000
150000
30000
30000
120000
50000
140000
20000
410000
20000
180000
500000
30000
310000
20000
270000
Female
Male
Female
Female
Female
Male
Female
Male
Female
Male
Male
Male
Female
Female
Female
Female
Female
Male
Female
Male
Male
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Male
Female
Male
Female
Graduate School
University
University
Graduate School
Graduate School
University
University
Graduate School
Graduate School
University
University
Graduate School
Other
High Scool
University
University
University
Graduate School
Graduate School
University
University
University
Graduate School
University
University
University
University
Graduate School
High Scool
Graduate School
Graduate School
University
Graduate School
University
High Scool
Graduate School
University
University
High Scool
Graduate School
High Scool
High Scool
University
University
University
High Scool
High Scool
Married
Married
Single
Single
Married
Married
Single
Single
Single
Married
Married
Single
Married
Married
Single
Single
Single
Married
Single
Married
Single
Single
Single
Single
Married
Married
Single
Married
Married
Single
Married
Married
Married
Single
Married
Married
Single
Single
Married
Single
Married
Married
Married
Married
Married
Married
Married
47
41
27
22
36
39
38
30
41
39
42
30
48
39
43
27
41
57
29
33
23
39
27
26
43
41
22
39
29
34
44
27
54
24
48
33
25
36
53
34
52
47
32
58
29
40
43
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
On Time
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
3 Mths Late
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
On Time
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
On Time
Nothing Due
On Time
On Time
Nothing Due
On Time
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
505
506
507
508
509
510
511
512
513
514
515
516
290000
210000
150000
50000
140000
500000
200000
30000
200000
230000
80000
340000
40000
180000
30000
20000
10000
80000
230000
200000
200000
150000
90000
20000
310000
180000
300000
360000
80000
120000
170000
90000
220000
70000
680000
50000
460000
210000
90000
90000
60000
10000
90000
10000
180000
80000
110000
Female
Female
Male
Male
Male
Male
Male
Female
Male
Female
Female
Male
Female
Female
Male
Male
Male
Female
Female
Male
Male
Female
Female
Male
Female
Male
Male
Female
Female
Male
Male
Female
Female
Male
Female
Female
Female
Female
Female
Female
Female
Female
Male
Male
Female
Male
Male
Graduate School
University
Graduate School
University
Graduate School
Graduate School
Graduate School
University
University
Graduate School
University
Graduate School
University
University
High Scool
Graduate School
High Scool
High Scool
University
High Scool
High Scool
University
University
Graduate School
University
Graduate School
Graduate School
University
Graduate School
High Scool
Graduate School
Graduate School
Graduate School
University
Graduate School
High Scool
Graduate School
University
University
University
University
High Scool
Graduate School
University
University
Graduate School
High Scool
Single
Married
Single
Single
Single
Single
Married
Single
Married
Single
Married
Married
Married
Married
Married
Single
Married
Married
Single
Married
Single
Married
Single
Single
Married
Married
Married
Married
Married
Married
Single
Married
Married
Married
Single
Married
Married
Married
Single
Married
Single
Single
Single
Single
Single
Single
Single
24
36
28
27
27
35
41
50
38
25
39
41
38
33
50
23
40
26
27
49
40
38
23
22
43
38
43
27
45
46
32
29
43
43
30
49
43
35
35
47
22
22
29
23
37
23
34
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
1 Mth Late
On Time
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
On Time
Nothing Due
Nothing Due
2 Mths Late
On Time
Nothing Due
2 Mths Late
2 Mths Late
2 Mths Late
1 Mth Late
Nothing Due
Nothing Due
On Time
On Time
2 Mths Late
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
550
551
552
553
554
555
556
557
558
559
560
561
562
563
30000
300000
100000
330000
10000
160000
200000
240000
80000
100000
220000
170000
30000
170000
180000
500000
50000
140000
160000
180000
500000
120000
30000
100000
50000
160000
330000
50000
60000
80000
80000
90000
160000
110000
40000
310000
20000
300000
380000
180000
180000
80000
360000
140000
20000
30000
50000
Female
Female
Male
Male
Male
Female
Male
Male
Male
Female
Female
Male
Female
Female
Male
Female
Female
Female
Female
Female
Male
Female
Female
Male
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Female
Male
Female
Female
Male
Female
Female
Female
Female
Male
Female
Male
Male
High Scool
Graduate School
Other
University
University
High Scool
Graduate School
Graduate School
University
University
Graduate School
University
University
University
Graduate School
Graduate School
High Scool
High Scool
High Scool
University
High Scool
University
University
Graduate School
Graduate School
Graduate School
Graduate School
Graduate School
Other
University
University
Graduate School
High Scool
High Scool
University
Graduate School
Graduate School
Graduate School
High Scool
University
University
University
University
University
Graduate School
University
Graduate School
Single
Single
Other
Married
Single
Married
Single
Married
Married
Married
Married
Married
Married
Married
Married
Single
Married
Single
Married
Married
Married
Married
Single
Single
Single
Married
Married
Single
Single
Married
Married
Single
Married
Married
Married
Single
Single
Single
Married
Married
Married
Married
Married
Married
Single
Married
Single
26
30
44
52
28
31
32
42
46
27
36
34
50
43
46
28
37
24
33
38
47
29
31
41
27
39
32
25
27
51
36
31
30
40
49
31
27
26
52
48
51
46
46
37
37
44
31
2 Mths Late
On Time
2 Mths Late
Nothing Due
1 Mth Late
On Time
1 Mth Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
2 Mths Late
Nothing Due
Nothing Due
Nothing Due
2 Mths Late
Nothing Due
On Time
Nothing Due
On Time
On Time
Nothing Due
Nothing Due
1 Mth Late
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
1 Mth Late
On Time
Nothing Due
Nothing Due
Nothing Due
3 Mths Late
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
1 Mth Late
1 Mth Late
Nothing Due
564
565
566
567
568
569
570
571
572
573
574
575
576
577
578
579
580
581
582
583
584
585
586
587
588
589
590
591
592
593
594
595
596
597
598
599
600
601
602
603
604
605
606
607
608
609
610
500000
240000
200000
160000
80000
200000
50000
50000
60000
30000
60000
700000
150000
80000
110000
200000
200000
180000
10000
50000
180000
170000
210000
580000
160000
50000
500000
160000
360000
390000
80000
240000
50000
300000
290000
280000
50000
560000
400000
30000
200000
80000
200000
200000
90000
280000
290000
Female
Female
Female
Female
Female
Female
Female
Male
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Male
Female
Female
Female
Female
Female
Female
Male
Male
Female
Male
Female
Female
Female
Male
Female
Female
Male
Male
Female
Female
Female
Male
Female
Male
Male
Female
Male
Female
University
University
Graduate School
University
Graduate School
Graduate School
High Scool
Graduate School
University
University
High Scool
University
University
University
University
Graduate School
University
High Scool
Graduate School
University
University
High Scool
High Scool
Graduate School
Graduate School
High Scool
Graduate School
High Scool
High Scool
Graduate School
University
University
Graduate School
Graduate School
University
Graduate School
University
University
Graduate School
High Scool
Graduate School
University
Graduate School
Graduate School
University
Graduate School
High Scool
Married
Single
Married
Single
Single
Single
Married
Single
Single
Single
Single
Single
Single
Married
Single
Single
Married
Single
Single
Single
Single
Single
Married
Married
Single
Single
Married
Single
Single
Married
Single
Married
Married
Married
Married
Married
Single
Married
Single
Single
Single
Married
Single
Married
Single
Single
Single
32
24
31
33
24
47
31
24
25
22
24
28
28
29
34
37
36
24
22
24
27
26
53
36
28
29
42
36
41
41
22
42
42
51
50
41
29
45
28
29
32
26
29
43
25
31
35
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
Nothing Due
1 Mth Late
2 Mths Late
Nothing Due
1 Mth Late
1 Mth Late
2 Mths Late
1 Mth Late
2 Mths Late
2 Mths Late
Nothing Due
Nothing Due
On Time
1 Mth Late
1 Mth Late
On Time
2 Mths Late
Nothing Due
Nothing Due
1 Mth Late
Nothing Due
Nothing Due
Nothing Due
On Time
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
Nothing Due
On Time
2 Mths Late
Nothing Due
On Time
Nothing Due
611
612
613
614
615
616
617
618
619
620
621
622
623
624
625
626
627
628
629
630
631
632
633
634
635
636
637
638
639
640
641
642
643
644
645
646
647
648
649
650
651
652
653
654
655
656
657
130000
50000
100000
160000
200000
20000
230000
50000
70000
60000
100000
20000
60000
190000
50000
30000
70000
30000
270000
200000
290000
50000
100000
100000
300000
120000
140000
140000
350000
230000
300000
100000
30000
130000
20000
150000
120000
130000
160000
50000
510000
230000
110000
80000
120000
500000
210000
Female
Male
Female
Female
Male
Male
Female
Female
Male
Female
Male
Male
Female
Male
Female
Female
Female
Male
Female
Male
Male
Female
Female
Female
Female
Female
Male
Female
Female
Female
Male
Male
Female
Male
Male
Male
Male
Female
Female
Female
Male
Female
Male
Male
Male
Male
Female
Graduate School
University
Graduate School
High Scool
Graduate School
Graduate School
University
High Scool
High Scool
High Scool
Graduate School
University
University
University
University
University
Graduate School
University
Graduate School
High Scool
Graduate School
University
University
University
University
University
High Scool
University
University
University
University
Graduate School
University
University
University
Graduate School
High Scool
Graduate School
Graduate School
Graduate School
Graduate School
Graduate School
University
Graduate School
Graduate School
University
Graduate School
Single
Single
Single
Single
Married
Single
Single
Married
Married
Single
Single
Married
Married
Married
Married
Married
Single
Single
Single
Married
Married
Married
Single
Single
Married
Married
Married
Single
Married
Single
Married
Single
Married
Single
Married
Single
Married
Single
Single
Single
Married
Single
Single
Single
Single
Married
Single
29
32
24
39
43
24
31
36
33
45
29
32
30
43
48
31
25
54
28
41
5
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