HDF  D ` "TREE(HEAPX datadata_descr8 0name german_credit (mldata0 "comment!Description of the German credit dataset. 1. Title: German Credit data 2. Source Information Professor Dr. Hans Hofmann Institut f"ur Statistik und "Okonometrie Universit"at Hamburg FB Wirtschaftswissenschaften Von-Melle-Park 5 2000 Hamburg 13 3. Number of Instances: 1000 Two datasets are provided. the original dataset, in the form provided by Prof. Hofmann, contains categorical/symbolic attributes and is in the file "german.data". For algorithms that need numerical attributes, Strathclyde University produced the file "german.data-numeric". This file has been edited and several indicator variables added to make it suitable for algorithms which cannot cope with categorical variables. Several attributes that are ordered categorical (such as attribute 17) have been coded as integer. This was the form used by StatLog. 6. Number of Attributes german: 20 (7 numerical, 13 categorical) Number of Attributes german.numer: 24 (24 numerical) 7. Attribute description for german Attribute 1: (qualitative) Status of existing checking account A11 : ... < 0 DM A12 : 0 <= ... < 200 DM A13 : ... >= 200 DM / salary assignments for at least 1 year A14 : no checking account Attribute 2: (numerical) Duration in month Attribute 3: (qualitative) Credit history A30 : no credits taken/ all credits paid back duly A31 : all credits at this bank paid back duly A32 : existing credits paid back duly till now A33 : delay in paying off in the past A34 : critical account/ other credits existing (not at this bank) Attribute 4: (qualitative) Purpose A40 : car (new) A41 : car (used) A42 : furniture/equipment A43 : radio/television A44 : domestic appliances A45 : repairs A46 : education A47 : (vacation - does not exist?) A48 : retraining A49 : business A410 : others Attribute 5: (numerical) Credit amount Attibute 6: (qualitative) Savings account/bonds A61 : ... < 100 DM A62 : 100 <= ... < 500 DM A63 : 500 <= ... < 1000 DM A64 : .. >= 1000 DM A65 : unknown/ no savings account Attribute 7: (qualitative) Present employment since A71 : unemployed A72 : ... < 1 year A73 : 1 <= ... < 4 years A74 : 4 <= ... < 7 years A75 : .. >= 7 years Attribute 8: (numerical) Installment rate in percentage of disposable income Attribute 9: (qualitative) Personal status and sex A91 : male : divorced/separated A92 : female : divorced/separated/married A93 : male : single A94 : male : married/widowed A95 : female : single Attribute 10: (qualitative) Other debtors / guarantors A101 : none A102 : co-applicant A103 : guarantor Attribute 11: (numerical) Present residence since Attribute 12: (qualitative) Property A121 : real estate A122 : if not A121 : building society savings agreement/ life insurance A123 : if not A121/A122 : car or other, not in attribute 6 A124 : unknown / no property Attribute 13: (numerical) Age in years Attribute 14: (qualitative) Other installment plans A141 : bank A142 : stores A143 : none Attribute 15: (qualitative) Housing A151 : rent A152 : own A153 : for free Attribute 16: (numerical) Number of existing credits at this bank Attribute 17: (qualitative) Job A171 : unemployed/ unskilled - non-resident A172 : unskilled - resident A173 : skilled employee / official A174 : management/ self-employed/ highly qualified employee/ officer Attribute 18: (numerical) Number of people being liable to provide maintenance for Attribute 19: (qualitative) Telephone A191 : none A192 : yes, registered under the customers name Attribute 20: (qualitative) foreign worker A201 : yes A202 : no 8. Cost Matrix This dataset requires use of a cost matrix (see below) 1 2 ---------------------------- 1 0 1 ----------------------- 2 5 0 (1 = Good, 2 = Bad) the rows represent the actual classification and the columns the predicted classification. It is worse to class a customer as good when they are bad (5), than it is to class a customer as bad when they are good (1). Relabeled values in attribute checking_status From: A11 To: '<0' From: A12 To: '0<=X<200' From: A13 To: '>=200' From: A14 To: 'no checking' Relabeled values in attribute credit_history From: A30 To: 'no credits/all paid' From: A31 To: 'all paid' From: A32 To: 'existing paid' From: A33 To: 'delayed previously' From: A34 To: 'critical/other existing credit' Relabeled values in attribute purpose From: A40 To: 'new car' From: A41 To: 'used car' From: A42 To: furniture/equipment From: A43 To: radio/tv From: A44 To: 'domestic appliance' From: A45 To: repairs From: A46 To: education From: A47 To: vacation From: A48 To: retraining From: A49 To: business From: A410 To: other Relabeled values in attribute savings_status From: A61 To: '<100' From: A62 To: '100<=X<500' From: A63 To: '500<=X<1000' From: A64 To: '>=1000' From: A65 To: 'no known savings' Relabeled values in attribute employment From: A71 To: unemployed From: A72 To: '<1' From: A73 To: '1<=X<4' From: A74 To: '4<=X<7' From: A75 To: '>=7' Relabeled values in attribute personal_status From: A91 To: 'male div/sep' From: A92 To: 'female div/dep/mar' From: A93 To: 'male single' From: A94 To: 'male mar/wid' From: A95 To: 'female single' Relabeled values in attribute other_parties From: A101 To: none From: A102 To: 'co applicant' From: A103 To: guarantor Relabeled values in attribute property_magnitude From: A121 To: 'real estate' From: A122 To: 'life insurance' From: A123 To: car From: A124 To: 'no known property' Relabeled values in attribute other_payment_plans From: A141 To: bank From: A142 To: stores From: A143 To: none Relabeled values in attribute housing From: A151 To: rent From: A152 To: own From: A153 To: 'for free' Relabeled values in attribute job From: A171 To: 'unemp/unskilled non res' From: A172 To: 'unskilled resident' From: A173 To: skilled From: A174 To: 'high qualif/self emp/mgmt' Relabeled values in attribute own_telephone From: A191 To: none From: A192 To: yes Relabeled values in attribute 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HHHH HHHHH HHHH HHH HHHHH HHHH HHHHHHHH HGCOL'<100''<100''<100''no known savings''<100''<100''<100''<100' '<100' '<100' 'no known savings' 'no known savings' '500<=X<1000''<100' '100<=X<500''<100''<100' '100<=X<500''no known savings''<100''<100''no known savings''<100''<100''no known savings''no known savings' '100<=X<500''<100''>=1000''no known savings''<100' '<100'!'<100'"'no known savings'#'<100'$'<100'%'<100'&'<100'''no known savings'('<100')'<100'*'<100'+'<100','<100'-'<100'.'no known savings'/'<100'0'<100'1'<100'2'<100'3'<100'4'<100'5'no known savings'6'>=1000'7'<100'8'no known savings'9 '100<=X<500':'<100';'<100'<'<100'='<100'>'<100'?'<100'@'<100'A'<100'B'<100'C '500<=X<1000'D'<100'E '100<=X<500'F'<100'G'no known savings'H '100<=X<500'I '100<=X<500'J'>=1000'K'<100'L'<100'M'no known savings'N'no known savings'O'<100'P '100<=X<500'Q'<100'R'<100'S'<100'T'no known savings'U'<100'V'<100'W'no known savings'X'<100'Y '100<=X<500'Z '500<=X<1000'['no known savings'\'<100']'<100'^'no known savings'_'<100'`'<100'a'<100'b '500<=X<1000'c'<100'd'<100'e'<100'f'<100'g'<100'h '100<=X<500'i'<100'j'<100'k'no known savings'l'<100'm '500<=X<1000'n'<100'o'<100'p'<100'q'<100'r'<100's '100<=X<500't'<100'u'<100'v'<100'w'no known savings'x'<100'y'<100'z'<100'{'no known savings'|'<100'}'<100'~'<100''<100''>=1000''<100''<100''<100' '100<=X<500' '100<=X<500''<100' '500<=X<1000' '500<=X<1000''<100''<100' '100<=X<500''<100''<100''<100''no known savings''<100''<100' '100<=X<500''no known savings''no known savings' '100<=X<500' '100<=X<500''>=1000''<100' '100<=X<500' '100<=X<500''no known savings''<100' '500<=X<1000''<100''<100''<100''<100' '500<=X<1000''<100' '100<=X<500' '100<=X<500''<100' '500<=X<1000' '100<=X<500''<100''<100''<100' '500<=X<1000''<100''no known savings''<100''<100''no known savings''no known savings''<100''no known savings' '100<=X<500''<100''>=1000''<100' '500<=X<1000''<100''>=1000' '500<=X<1000''<100''<100''>=1000''<100''<100''<100''>=1000''<100''no known savings''<100' '100<=X<500''<100' '100<=X<500' '100<=X<500''<100''no known savings' '500<=X<1000''no known savings''<100''<100''<100''no known savings''<100''<100''<100' '100<=X<500''<100''>=1000''no known savings''<100''no known savings''<100''<100''no known savings''<100''<100''no known savings' '100<=X<500''<100''<100''no known savings''<100''<100''no known savings''<100''<100' '100<=X<500' '500<=X<1000''no known savings''<100''<100''>=1000''<100''<100''>=1000''<100' '100<=X<500''no known savings''>=1000' '500<=X<1000''no known savings''<100''<100''<100''no known savings''no known savings''<100' '500<=X<1000' '100<=X<500''no known savings''<100''no known savings''no known savings''<100''<100''<100' 'no known savings' 'no known savings' '<100' '<100' 'no known savings''<100''<100''<100''<100''<100''<100''<100''<100' '500<=X<1000''<100''<100''<100''<100''<100''<100''<100''<100''<100' '<100'!'<100'"'no known savings'#'no known savings'$ '500<=X<1000'%'<100'&'<100'''no known savings'('<100')'<100'*'no known savings'+'<100','<100'-'<100'.'<100'/'<100'0'<100'1'<100'2'<100'3'no known savings'4'no known savings'5'<100'6'<100'7'<100'8'<100'9'no known savings':'<100';'<100'<'<100'= '100<=X<500'>'no known savings'?'<100'@'<100'A '100<=X<500'B'>=1000'C'<100'D'<100'E'>=1000'F'<100'G '500<=X<1000'H'<100'I'<100'J'no known savings'K'<100'L '500<=X<1000'M'<100'N '100<=X<500'O'no known savings'P'<100'Q'>=1000'R'<100'S'<100'T'<100'U'no known savings'V'<100'W'no known savings'X'no known savings'Y'<100'Z'<100'['<100'\'no known savings']'<100'^'<100'_'no known savings'`'<100'a'<100'b'<100'c'<100'd'no known savings'e'no known savings'f'<100'g'>=1000'h'no known savings'i'<100'j'<100'k'no known savings'l'no known savings'm'no known savings'n'<100'o'<100'p'no known savings'q'no known savings'r'<100's'no known savings't'<100'u'<100'v'no known savings'w'>=1000'x'<100'y'<100'z '100<=X<500'{'<100'| '100<=X<500'}'<100'~'<100' '500<=X<1000''<100''<100''<100''<100''<100''<100''no known savings''<100''<100''<100''<100' '500<=X<1000''<100' '100<=X<500''<100''<100''<100''no known savings''no known savings''<100''no known savings''<100''<100' '500<=X<1000' '500<=X<1000''no known savings''<100' '100<=X<500''<100''<100' '500<=X<1000''<100''<100''>=1000''no known savings''<100''<100' '100<=X<500''<100''<100''no known savings' '500<=X<1000''<100''no known savings' '500<=X<1000''<100''no known savings''<100' '100<=X<500''<100''<100''<100''<100' '500<=X<1000''<100''no known savings''<100' '100<=X<500''<100''<100' '100<=X<500''<100''<100''<100''<100' '100<=X<500''<100''<100''no known savings' '100<=X<500''no known savings''<100''no known savings''<100''<100''<100''<100' '100<=X<500''>=1000''<100''<100' '100<=X<500''no known savings''no known savings''<100''<100' '100<=X<500' '100<=X<500''<100''<100''<100''<100''<100''<100''no known savings''<100''<100''no known savings''no known savings' '500<=X<1000''no known savings''<100''<100''<100''<100''no known savings''<100' '100<=X<500''>=1000''<100''no known savings''no known savings' '100<=X<500''<100''<100' '100<=X<500''<100''<100''<100''<100''<100''<100''no known savings''<100''no known savings''no known savings''<100''>=1000''<100''<100''no known savings''<100' '500<=X<1000''>=1000''no known savings' '100<=X<500''<100' '<100' 'no known savings'  '100<=X<500' '<100' '<100''no known savings''<100''<100''no known savings''<100''<100''<100''<100''<100''>=1000''<100''<100''no known savings''>=1000''<100''<100''<100' '100<=X<500'  '100<=X<500'! '100<=X<500'"'<100'#'<100'$'<100'%'no known savings'&'<100'''<100'('<100')'<100'* '500<=X<1000'+'<100','<100'-'<100'.'<100'/ '500<=X<1000'0 '100<=X<500'1'>=1000'2'<100'3'<100'4'no known savings'5'<100'6 '500<=X<1000'7'<100'8'no known savings'9'<100':'<100';'<100'<'no known savings'='no known savings'>'<100'?'<100'@'<100'A'<100'B'<100'C'<100'D'<100'E'<100'F'no known savings'G'<100'H'<100'I'no known savings'J '100<=X<500'K'<100'L'<100'M'no known savings'N'<100'O '100<=X<500'P'no known savings'Q'<100'R'no known savings'S'<100'T '100<=X<500'U'<100'V'no known savings'W'<100'X '500<=X<1000'Y'<100'Z'<100'['>=1000'\'<100']'<100'^'<100'_ '100<=X<500'`'<100'a'<100'b'<100'c'>=1000'd'<100'e'no known savings'f'<100'g'<100'h'no known savings'i'<100'j'no known savings'k'<100'l '500<=X<1000'm '500<=X<1000'n'<100'o'<100'p'<100'q '500<=X<1000'r'no known savings's'<100't'<100'u'no known savings'v '500<=X<1000'w'no known savings'x'>=1000'y'no known savings'z'<100'{ '100<=X<500'|'no known savings'}'<100'~'<100''>=1000''<100''<100''<100''<100''<100''<100''<100''no known savings' '500<=X<1000''>=1000''<100''<100''<100''<100''<100''<100''<100''no known savings''<100''<100''no known savings''>=1000''no known savings''<100''<100''<100''<100''<100''<100''<100''<100''<100''<100''<100''<100''no known savings''<100''<100''<100''no known savings''<100''<100' '100<=X<500''<100''<100''no known savings''<100''<100' '500<=X<1000''<100' '100<=X<500''<100''<100''<100''>=1000''>=1000' '500<=X<1000''<100''<100''<100' '100<=X<500''<100''<100''<100' '100<=X<500''no known savings''<100''no known savings' '100<=X<500''<100''<100' '100<=X<500''<100''<100''<100''<100''<100''no known savings''<100''<100''<100' '100<=X<500''no known savings''>=1000' '500<=X<1000''no known savings''<100''>=1000''<100''<100''<100''<100' '100<=X<500''<100' '100<=X<500''<100''>=1000' '100<=X<500''<100''<100''>=1000' '100<=X<500''<100' '100<=X<500''<100' '100<=X<500''no known savings' '100<=X<500''<100' '500<=X<1000''<100' '500<=X<1000' '500<=X<1000''<100''>=1000''<100''<100''<100''<100''<100''<100''<100''no known savings''<100' '500<=X<1000''<100''<100''<100''<100''no known savings''>=1000''<100''<100''<100''<100' '100<=X<500''<100' '>=1000'  '100<=X<500' '<100' '<100'  '100<=X<500''<100''<100' '100<=X<500''no known savings''<100' '500<=X<1000''<100''<100''<100''<100''<100''<100''<100''<100''>=1000''no known savings''no known savings''<100' '<100'!'no known savings'"'no known savings'#'<100'$'<100'%'<100'&'<100'''<100'('no known savings')'<100'*'no known savings'+'<100','<100'-'>=1000'.'<100'/'<100'0'<100'1'<100'2 '500<=X<1000'3 '100<=X<500'4'<100'5'<100'6'<100'7'no known savings'8 '100<=X<500'9'<100':'<100';'no known savings'<'<100'='<100'>'<100'? '500<=X<1000'@'<100'A'<100'B '100<=X<500'C'<100'D'<100'E'<100'F'<100'G'no known savings'H'<100'I'>=1000'J'<100'K'no known savings'L'<100'M'no known savings'N'<100'O'<100'P'no known savings'Q'<100'R'<100'S'<100'T'no known savings'U'<100'V'no known savings'W '500<=X<1000'X '100<=X<500'Y'<100'Z'<100'['<100'\'<100'] '100<=X<500'^ '100<=X<500'_'<100'`'<100'a'<100'b'no known savings'c'no known savings'd'>=1000'e'<100'f'no known savings'g '100<=X<500'h'<100'i'no known savings'j '100<=X<500'k'<100'l'<100'm'<100'n'no known savings'o'<100'p'<100'q'<100'r'no known savings's '500<=X<1000't '100<=X<500'u'<100'v'<100'w'<100'x '500<=X<1000'y'no known savings'z'no known savings'{'no known savings'| '500<=X<1000'} '500<=X<1000'~'<100''<100''<100''<100''no known savings' '100<=X<500''no known savings''<100''<100''<100''<100''<100''<100' '500<=X<1000' '500<=X<1000''<100' '100<=X<500''<100''<100' '500<=X<1000' '500<=X<1000''<100' '100<=X<500''no known savings''<100''<100''no known savings''<100''no known savings''no known savings''<100''<100''<100''<100''no known savings''<100''no known savings''no known savings''<100' '500<=X<1000''<100' '500<=X<1000''<100' '100<=X<500''no known savings''<100''<100''>=1000''<100''<100''>=1000''<100''>=1000''<100''<100''<100''<100''<100''<100' '100<=X<500''<100''no known savings' '500<=X<1000''<100''<100''<100''<100''no known savings''<0''<0''>=200' '0<=X<200''<0' 'no checking''>=200' '0<=X<200' 'no checking' 'no checking''<0' 'no checking''>=200' '0<=X<200' 'no checking''<0''<0' 'no checking''<0' 'no checking' 'no checking''<0''<0' 'no checking' '0<=X<200' '0<=X<200' 'no checking' 'no checking''<0''<0' '0<=X<200' '0<=X<200' 'no checking' 'no checking' 'no checking''>=200''<0' '0<=X<200''<0''>=200' '0<=X<200' 'no checking''<0''>=200' 'no checking''<0' 'no checking' 'no checking''<0' 'no checking' 'no checking' 'no checking''<0' '0<=X<200' '0<=X<200' '0<=X<200' '0<=X<200' 'no checking''<0' '0<=X<200''<0''<0''>=200' '0<=X<200' '0<=X<200' '0<=X<200''<0' 'no checking' '0<=X<200''<0''<0'  'no checking'  'no checking' '<0'  '0<=X<200'  'no checking' '0<=X<200' 'no checking' '0<=X<200' 'no checking' '0<=X<200' '0<=X<200' 'no checking' '0<=X<200' 'no checking''<0''<0''<0''<0''<0''<0' '0<=X<200' 'no checking' '0<=X<200' '<0'! '0<=X<200'"'<0'# '0<=X<200'$ 'no checking'% 'no checking'& '0<=X<200'' '0<=X<200'( '0<=X<200') 'no checking'*'>=200'+'<0', 'no checking'- '0<=X<200'. 'no checking'/ 'no checking'0'<0'1'>=200'2'<0'3'<0'4 'no checking'5 '0<=X<200'6 '0<=X<200'7'<0'8 '0<=X<200'9 'no checking': '0<=X<200'; 'no checking'< 'no checking'='<0'>'<0'? 'no checking'@'>=200'A '0<=X<200'B 'no checking'C 'no checking'D'<0'E'<0'F '0<=X<200'G 'no checking'H '0<=X<200'I 'no checking'J 'no checking'K 'no checking'L 'no checking'M'<0'N'<0'O '0<=X<200'P 'no checking'Q 'no checking'R'<0'S 'no checking'T'<0'U 'no checking'V'>=200'W'<0'X'<0'Y '0<=X<200'Z'<0'[ '0<=X<200'\ 'no checking']'<0'^ '0<=X<200'_ 'no checking'` '0<=X<200'a '0<=X<200'b'>=200'c'<0'd 'no checking'e '0<=X<200'f'>=200'g 'no checking'h '0<=X<200'i 'no checking'j'<0'k'>=200'l 'no checking'm 'no checking'n 'no checking'o 'no checking'p 'no checking'q 'no checking'r 'no checking's '0<=X<200't'<0'u 'no checking'v 'no checking'w 'no checking'x 'no checking'y 'no checking'z '0<=X<200'{ 'no checking'|'>=200'} '0<=X<200'~ 'no checking''<0''<0' '0<=X<200'}( }' }%}&}! }" }# }$ } } }} }}}}  } }  }  }  } }} } }} }} }} }} } }} } }}} } } } }}} } }} } } } } } } } } } }}} } } } } } } } } } } } }} }}}} } } } } } }}} } } }}} }} }} } } } } } } } } } } } } } }} } }} } }} }}}} }} } }} }}/}0 }1 }2}3 }4}5 }6 }7 }8 }9 }: }; }<}=}> }?}@}A }B }C}D }E}F }G }H }I}J }K }L}M}N}O }P }Q }R }S }T }U }V }W}X }Y }Z }[}\ }] }^ }_}` }a}b}c }d}e }f }g}h }i }j }k }l }m}n }o }p }q }r }s }t }u }v }w }x }y }z}{ }|}} }~} } }} } } }}} } }}}} } }} } } } } }} }}} } } } }} } } }}} }} } } } } }} }}5}6 }7 }8 }9 }: };}< }= }>}?}@}A }B }C }D }E }F}G }H }I }J }K }L}M }N }O}P }Q }R }S }T}U }V }W}X}Y }Z }[}\ }] }^}_}` }a }b }c }d }e }f }g }h}i}j }k }l }m}n }o }p }q }r}s }t}u}v}w }x }y}z }{}|}}}~ }} } }} }} } } }}} }}} } }} } }} } } } } } } } }} } } } } }} }}} }} } }}} } } } } } }} } } } }} } }} } } } } } } } }}} } }}} } } } } } } } } }} }} } } } }} }}} } } } } } } } } } } }} } }} }} } } }}} }} } } } }} }} } } } } }} }}}} }}} }  }  } } }  } } } }}} } }} }} }} } }} } } }  }! }" }# }$ }% }& }' }(})}* }+ }, }-}.HHH HH HH H H HH HH H HHH HH H HHH H H H H HHH H H H H HHH HHH H HHH HH H HH H H HH H H H H HH HHHH H H HH H HHH H  H H  H  H  H H H H H H H H HHHHHHH H H HH  H!H" H# H$ H% H& H' H( H)H*H+ H, H- H. 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'for free'@ownAownBownCownDownErentFownGownHownIownJ 'for free'KownLownMownNownOrentPownQrentRownSownTownUownVownW 'for free'XownYownZrent[ 'for free'\own]own^ 'for free'_own`ownaownbowncowndownerentfowngownhowniownj 'for free'kownlownmownnownoownprentqownrrentsowntownuownvrentwrentxrentyownzrent{rent|own}own~ownownownownrentrentownownownownrentownownownrentrent 'for free'rentownrentownown 'for free'ownownownownownownrent 'for free'ownownrentownownownownownown 'for free'ownownownownrentownown 'for free'ownown 'for free'ownownrentrentownownownownrentownownownownownownrentrentownownrentown 'for free' 'for free'ownrentown 'for free'ownown'female div/dep/mar' 'male single''male div/sep' 'male single''female div/dep/mar' 'male single' 'male single' 'male single''male mar/wid' 'male single' 'male single' 'male single' 'male single''male mar/wid' 'male single''female div/dep/mar' 'male single''female div/dep/mar' 'male single' 'male single' 'male single''female div/dep/mar' 'male single''female div/dep/mar''female div/dep/mar' 'male single''female div/dep/mar' 'male single''male div/sep' 'male single' 'male single''female div/dep/mar''male mar/wid''male mar/wid' 'male single''male div/sep''female div/dep/mar''female div/dep/mar' 'male single''female div/dep/mar''male mar/wid' 'male single' 'male single' 'male single' 'male single' 'male single''female div/dep/mar' 'male single''female div/dep/mar' 'male single''female div/dep/mar' 'male single''male mar/wid' 'male single''female div/dep/mar' 'male single''female div/dep/mar''female div/dep/mar'  'male single'  'male single'  'male single'  'male single' 'female div/dep/mar' 'male single' 'male single''female div/dep/mar''male div/sep' 'male single' 'male single''female div/dep/mar''female div/dep/mar' 'male single''female div/dep/mar''female div/dep/mar' 'male single''female div/dep/mar''female div/dep/mar''female div/dep/mar''male div/sep''male mar/wid' 'male single'  'male single'!'female div/dep/mar'" 'male single'#'female div/dep/mar'$'female div/dep/mar'% 'male single'& 'male single'''male mar/wid'( 'male single')'female div/dep/mar'*'female div/dep/mar'+'female div/dep/mar','female div/dep/mar'- 'male single'.'female div/dep/mar'/'female div/dep/mar'0 'male single'1 'male single'2 'male single'3'female div/dep/mar'4'female div/dep/mar'5'female div/dep/mar'6'female div/dep/mar'7'female div/dep/mar'8 'male single'9 'male single':'female div/dep/mar'; 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paid''existing paid' 'critical/other existing credit''existing paid''no credits/all paid''delayed previously' 'critical/other existing credit' 'critical/other existing credit''no credits/all paid''existing paid''existing paid''existing paid''existing paid''existing paid''existing paid''delayed previously''existing paid''no credits/all paid' 'existing paid' 'existing paid' 'existing paid' 'existing paid' 'existing paid''existing paid''existing paid''existing paid' 'critical/other existing credit''existing paid''existing paid''existing paid' 'critical/other existing credit''existing paid''existing paid''existing paid''no credits/all paid' 'critical/other existing credit' 'all paid''existing paid' 'critical/other existing credit''no credits/all paid''existing paid' 'existing paid'!'no credits/all paid'"'existing paid'#'existing paid'$'existing paid'%'existing paid'&'existing paid'''existing paid'('existing paid') 'critical/other existing credit'* 'critical/other existing credit'+ 'critical/other existing credit','existing paid'- 'critical/other existing credit'.'existing paid'/'delayed previously'0'no credits/all paid'1'existing paid'2'existing paid'3'existing paid'4'existing paid'5'existing paid'6'existing paid'7 'critical/other existing credit'8 'critical/other existing credit'9'existing paid':'existing paid';'no credits/all paid'< 'critical/other existing credit'= 'critical/other existing credit'> 'critical/other existing credit'? 'critical/other existing credit'@'existing paid'A'no credits/all paid'B 'critical/other existing credit'C'existing paid'D 'critical/other existing credit'E'delayed previously'F'existing paid'G'existing paid'H'delayed previously'I 'critical/other existing credit'J'existing paid'K 'critical/other existing credit'L 'all paid'M'existing paid'N'existing paid'O'existing paid'P'delayed previously'Q'existing paid'R'existing paid'S 'critical/other existing credit'T'existing paid'U 'critical/other existing credit'V'existing paid'W 'critical/other existing credit'X 'critical/other existing credit'Y 'critical/other existing credit'Z'existing paid'[ 'critical/other existing credit'\'existing paid'] 'critical/other existing credit'^'existing paid'_'existing paid'` 'critical/other existing credit'a'existing paid'b 'critical/other existing credit'c 'critical/other existing credit'd'existing paid'e'existing paid'f'existing paid'g'existing paid'h'existing paid'i'delayed previously'j 'critical/other existing credit'k 'critical/other existing credit'l 'critical/other existing credit'm'existing paid'n'existing paid'o 'critical/other existing credit'p'existing paid'q'delayed previously'r'delayed previously's'existing paid't'existing paid'u'delayed previously'v 'all paid'w'existing paid'x 'critical/other existing credit'y'existing paid'z 'critical/other existing credit'{'existing paid'| 'critical/other existing credit'}'no credits/all paid'~ 'critical/other existing credit''no credits/all paid''existing paid''existing paid' 'critical/other existing credit''existing paid' 'critical/other existing credit' 'critical/other existing credit' 'critical/other existing credit''existing paid''no credits/all paid' 'all paid''existing paid''delayed previously''existing paid''existing paid''existing paid' 'critical/other existing credit''existing paid''existing paid''existing paid' 'critical/other existing credit''existing paid''existing paid''delayed previously''existing paid''existing paid''existing paid' 'critical/other existing credit''existing paid''existing paid' 'critical/other existing credit''<1''>=7''>=7''<1''<1''1<=X<4''1<=X<4' unemployed'1<=X<4''>=7''4<=X<7''1<=X<4''4<=X<7''1<=X<4''<1''4<=X<7''<1''<1''>=7''>=7''>=7''1<=X<4''1<=X<4''4<=X<7''1<=X<4''<1''1<=X<4''4<=X<7''1<=X<4''<1''4<=X<7''1<=X<4''1<=X<4''4<=X<7''<1''<1' unemployed'>=7''>=7''<1''<1''>=7''>=7''1<=X<4''>=7' unemployed'1<=X<4''4<=X<7''1<=X<4''4<=X<7''4<=X<7''>=7''4<=X<7''<1''4<=X<7''<1''<1''1<=X<4''4<=X<7''<1''>=7''4<=X<7''<1''1<=X<4''1<=X<4''4<=X<7''4<=X<7''>=7''4<=X<7''1<=X<4''<1''4<=X<7' unemployed'1<=X<4''>=7''4<=X<7''4<=X<7''1<=X<4''<1''<1''>=7''<1''1<=X<4''<1''>=7''1<=X<4''1<=X<4''1<=X<4''1<=X<4''>=7''4<=X<7''1<=X<4''>=7''1<=X<4''>=7''<1''4<=X<7''1<=X<4''4<=X<7''1<=X<4''<1''1<=X<4''4<=X<7''1<=X<4''<1''1<=X<4''1<=X<4' '1<=X<4' '<1' '>=7'  unemployed '>=7''<1''1<=X<4''4<=X<7''1<=X<4''1<=X<4''1<=X<4''1<=X<4''1<=X<4''4<=X<7''1<=X<4''1<=X<4''<1''1<=X<4''>=7''1<=X<4''4<=X<7''1<=X<4''>=7' '1<=X<4'!'1<=X<4'"'<1'#'<1'$'<1'%'>=7'&'4<=X<7'''4<=X<7'('<1')'4<=X<7'* unemployed+'>=7','1<=X<4'-'4<=X<7'.'4<=X<7'/'<1'0'1<=X<4'1'1<=X<4'2'4<=X<7'3'1<=X<4'4'4<=X<7'5'1<=X<4'6'>=7'7'>=7'8'4<=X<7'9 unemployed:'>=7';'4<=X<7'<'1<=X<4'='>=7'>'1<=X<4'?'1<=X<4'@'>=7'A unemployedB'1<=X<4'C unemployedD'1<=X<4'E'1<=X<4'F'>=7'G'>=7'H'1<=X<4'I'4<=X<7'J'>=7'K'1<=X<4'L'<1'M'4<=X<7'N'>=7'O'1<=X<4'P'>=7'Q'<1'R'<1'S'1<=X<4'T'1<=X<4'U'<1'V'4<=X<7'W'1<=X<4'X'4<=X<7'Y'>=7'Z'>=7'['1<=X<4'\'1<=X<4']'1<=X<4'^'<1'_'<1'`'4<=X<7'a'1<=X<4'b'4<=X<7'c unemployedd'1<=X<4'e'>=7'f'1<=X<4'g'>=7'h'>=7'i'>=7'j'<1'k'>=7'l'4<=X<7'm'<1'n'>=7'o'1<=X<4'p'>=7'q'>=7'r'>=7's'1<=X<4't'4<=X<7'u'>=7'v'>=7'w'1<=X<4'x'1<=X<4'y'>=7'z'<1'{'<1'|'1<=X<4'}'1<=X<4'~'1<=X<4''1<=X<4''1<=X<4''1<=X<4''>=7''1<=X<4''<1''1<=X<4''4<=X<7''1<=X<4''4<=X<7''<1''1<=X<4''1<=X<4''4<=X<7''1<=X<4''4<=X<7''1<=X<4''>=7''1<=X<4''4<=X<7''<1' unemployed'<1''1<=X<4''4<=X<7''>=7''<1''4<=X<7''4<=X<7''>=7''4<=X<7''1<=X<4''1<=X<4''1<=X<4''>=7''>=7''1<=X<4''1<=X<4''>=7''4<=X<7''>=7''<1''<1''>=7''>=7''>=7''1<=X<4''>=7''>=7' unemployed'1<=X<4''4<=X<7''4<=X<7''>=7' unemployed'4<=X<7''>=7''1<=X<4''<1' unemployed'1<=X<4''>=7''>=7''>=7''1<=X<4''>=7''>=7''1<=X<4''>=7''>=7''<1''>=7''<1''>=7''<1''>=7''>=7''>=7''>=7' unemployed'4<=X<7''<1''>=7' unemployed'<1''<1''4<=X<7''4<=X<7''1<=X<4''4<=X<7''1<=X<4''1<=X<4''4<=X<7' unemployed'1<=X<4''1<=X<4''1<=X<4''>=7''>=7''<1''>=7''>=7''1<=X<4''>=7''1<=X<4''1<=X<4''<1''>=7''>=7''<1''1<=X<4''1<=X<4''<1''>=7''>=7''4<=X<7''1<=X<4''<1''4<=X<7''>=7''4<=X<7''1<=X<4''<1''4<=X<7''>=7''1<=X<4''4<=X<7''1<=X<4''4<=X<7''>=7''<1''4<=X<7''1<=X<4''1<=X<4''1<=X<4''1<=X<4''1<=X<4''<1' '<1' '1<=X<4' '1<=X<4' '<1' '>=7''>=7''>=7''4<=X<7''>=7''4<=X<7''<1''1<=X<4''1<=X<4''<1''>=7''<1''4<=X<7''4<=X<7''1<=X<4''>=7' unemployed'4<=X<7''<1' '4<=X<7'!'1<=X<4'"'>=7'#'<1'$'>=7'%'>=7'&'1<=X<4'''1<=X<4'('1<=X<4')'4<=X<7'*'<1'+'4<=X<7','4<=X<7'-'1<=X<4'.'>=7'/'<1'0'>=7'1'1<=X<4'2'>=7'3'1<=X<4'4'4<=X<7'5'1<=X<4'6'<1'7'1<=X<4'8'1<=X<4'9'<1':'>=7';'>=7'<'1<=X<4'='1<=X<4'>'1<=X<4'?'>=7'@ unemployedA'>=7'B'1<=X<4'C'4<=X<7'D'<1'E'4<=X<7'F'<1'G'<1'H'<1'I'4<=X<7'J'>=7'K'1<=X<4'L'<1'M'<1'N'1<=X<4'O'>=7'P'1<=X<4'Q'<1'R'1<=X<4'S'<1'T'1<=X<4'U'1<=X<4'V'<1'W'1<=X<4'X'4<=X<7'Y'4<=X<7'Z'<1'['<1'\'<1'] unemployed^'<1'_'>=7'` unemployeda'4<=X<7'b'<1'c unemployedd'1<=X<4'e'>=7'f'>=7'g'>=7'h'1<=X<4'i'>=7'j'>=7'k'1<=X<4'l'1<=X<4'm'>=7'n'<1'o'1<=X<4'p'1<=X<4'q'>=7'r'4<=X<7's'1<=X<4't'1<=X<4'u'1<=X<4'v unemployedw'>=7'x'1<=X<4'y'1<=X<4'z'1<=X<4'{'>=7'|'>=7'}'1<=X<4'~'4<=X<7' unemployed'1<=X<4''1<=X<4''4<=X<7''1<=X<4''<1' unemployed unemployed'>=7''<1''>=7''4<=X<7' unemployed'>=7''4<=X<7''1<=X<4''>=7''1<=X<4' unemployed'4<=X<7''1<=X<4''1<=X<4''1<=X<4''4<=X<7''1<=X<4''1<=X<4''1<=X<4''<1' unemployed'1<=X<4''>=7''>=7''>=7''>=7''>=7''>=7''<1''>=7''>=7''4<=X<7''4<=X<7' unemployed'4<=X<7''<1''1<=X<4''1<=X<4''>=7''<1''1<=X<4''>=7''1<=X<4''4<=X<7''>=7''<1''<1''4<=X<7' unemployed'1<=X<4''<1''1<=X<4''<1''>=7''>=7''>=7''<1''<1''>=7''1<=X<4''4<=X<7' unemployed'1<=X<4''4<=X<7''4<=X<7''1<=X<4''1<=X<4''4<=X<7''<1''1<=X<4''1<=X<4' unemployed'1<=X<4''<1''4<=X<7''<1''>=7''1<=X<4''1<=X<4''1<=X<4''>=7' unemployed'<1''4<=X<7''1<=X<4''1<=X<4''4<=X<7''>=7''4<=X<7''>=7''>=7' unemployed'1<=X<4''<1''1<=X<4''>=7''1<=X<4''<1''1<=X<4''1<=X<4''1<=X<4''<1''4<=X<7''<1''>=7''<1''1<=X<4''<1' unemployed'1<=X<4''>=7''<1''1<=X<4' unemployed'1<=X<4''>=7''<1''>=7''1<=X<4''1<=X<4''4<=X<7''1<=X<4''>=7''1<=X<4''1<=X<4' unemployed'4<=X<7''4<=X<7''<1''>=7' '4<=X<7' '1<=X<4' '>=7' '<1' '>=7''>=7''4<=X<7' unemployed'>=7''>=7''1<=X<4''4<=X<7' unemployed'4<=X<7''<1''1<=X<4''1<=X<4''<1' unemployed'1<=X<4''4<=X<7''1<=X<4''<1' '4<=X<7'!'4<=X<7'" unemployed#'4<=X<7'$ unemployed%'1<=X<4'&'>=7'''1<=X<4'('<1')'1<=X<4'*'<1'+'1<=X<4','>=7'-'<1'.'4<=X<7'/'<1'0'>=7'1'4<=X<7'2'>=7'3'4<=X<7'4 unemployed5'1<=X<4'6'1<=X<4'7'>=7'8'<1'9'1<=X<4':'4<=X<7';'1<=X<4'<'4<=X<7'='1<=X<4'>'4<=X<7'?'4<=X<7'@'>=7'A'1<=X<4'B'>=7'C'1<=X<4'D'>=7'E unemployedF'4<=X<7'G'1<=X<4'H unemployedI'1<=X<4'J'1<=X<4'K'1<=X<4'L'4<=X<7'M'>=7'N unemployedO'<1'P'>=7'Q'1<=X<4'R'1<=X<4'S'>=7'T'1<=X<4'U'>=7'V'<1'W'1<=X<4'X'>=7'Y'1<=X<4'Z'1<=X<4'['1<=X<4'\'>=7']'>=7'^'4<=X<7'_'<1'`'1<=X<4'a'>=7'b'<1'c'<1'd'1<=X<4'e'<1'f'<1'g'>=7'h'4<=X<7'i'1<=X<4'j'<1'k'>=7'l'1<=X<4'm'4<=X<7'n'<1'o'<1'p'1<=X<4'q unemployedr'1<=X<4's'<1't'1<=X<4'u'4<=X<7'v'4<=X<7'w'>=7'x'1<=X<4'y'<1'z'>=7'{'4<=X<7'|'1<=X<4'} unemployed~'1<=X<4''>=7''1<=X<4''1<=X<4''>=7''>=7''1<=X<4''>=7''1<=X<4''1<=X<4''<1''4<=X<7''>=7''>=7''1<=X<4''1<=X<4''1<=X<4' unemployed'1<=X<4''4<=X<7''1<=X<4''<1''1<=X<4''4<=X<7''>=7''1<=X<4''1<=X<4''4<=X<7''1<=X<4''<1''<1''1<=X<4''1<=X<4''<1''4<=X<7''>=7''4<=X<7''1<=X<4''>=7''>=7''1<=X<4''1<=X<4''>=7''4<=X<7''1<=X<4''>=7''>=7''4<=X<7''1<=X<4''>=7''<1''4<=X<7' unemployed'>=7''1<=X<4' unemployed'<1''4<=X<7''>=7''>=7''1<=X<4' unemployed'1<=X<4''<1' unemployed'1<=X<4''>=7''4<=X<7''>=7''<1''1<=X<4''1<=X<4''1<=X<4''>=7''1<=X<4''>=7' unemployed'4<=X<7''1<=X<4''1<=X<4''4<=X<7''1<=X<4''4<=X<7''1<=X<4''>=7''1<=X<4''<1''>=7''>=7''>=7''1<=X<4''4<=X<7''4<=X<7''>=7''>=7''>=7''4<=X<7''1<=X<4''4<=X<7''1<=X<4''>=7' unemployed'>=7''>=7''4<=X<7''4<=X<7''1<=X<4''1<=X<4''1<=X<4''<1''1<=X<4''1<=X<4''1<=X<4''1<=X<4''1<=X<4''4<=X<7''>=7''4<=X<7''<1''1<=X<4''>=7''4<=X<7''1<=X<4''4<=X<7' unemployed unemployed'>=7''1<=X<4''>=7''>=7''4<=X<7''>=7''1<=X<4''1<=X<4''4<=X<7''>=7''1<=X<4''1<=X<4' unemployed '1<=X<4' '<1' '>=7' '<1' 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