CDataScopeDocDATASCP30 5, 0, 20, 9CDataFilePropBasekyeowCSortableObArray0 CColDiscFieldCColDiscCColumn account type account typeCreated from expression 'if("Account Type"='JC','joint checking', if("Account Type"='JS','joint savings', if("Account Type"='PC','personal checking', if("Account Type"='PS','personal savings','illegal')))) '. Column type: Discrete CColDerivExp Account Type Account TypeImported from data source 'Excel Files'. Table: CRM Field: Account Type Column type: Discrete Date of import: 2/10/01 12:45:13 PMwxyz{|}~ !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuv{|}~ !" jihgfedcbXYZ[\]^_`abcdefghijklmnopqrstuvwxyza`tsr#$qponmlk%&'()*+,-./0123456789:;<=>?@ABCD      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./uvwxyz{|}~SRQPONMLKJIHGFE0123456789:;<=>?@ABCDEFGHIJKLMNOPQR     STUVWXYZ[\]^_WVUTH  !"#Y$Z%w&x'y(z){*|+},~-./0123456789:;<=>?@ABCDONM L K J I HGFEXYZ[\]^_SRQPWVUT`abcdefghijklmno{|}~pqrstuvwxyzTU~     567  8!9":#;$<%=&>'?(@)A*B+C,D-E.F/G0H1I2J3K4L5M6N7O8P9Q:R;S<T=U>V?W@XAYBZC[D\E]F^G_H`IaJbKcLdMeNfOgPhQiRjSkTlUmVnWoXpYqZr[s\t]u^v_w`xaybzc{d|e}f~ghijklmnowxyz{|}~pqrstuv      !"#$%&'()*+,-./0123 !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNO           !"#$%&'()*+,-./012 3!4"5#6$7%8&9':(;)<*=+>,?-@.A/B0C1D2E3F4G5H6I7J8K9L:M;N<O=P>Q?R@SATBUCVDWEXFYGZH[I\J]K^L_M`NaObPcQdReSfTgUhViWjXkYlZm[n\o]p^q_r`satbucvdwexfygzh{i|j}k~lmnopqrstuvwxyz{|}~opqrstuvwxyz{|}STUVWXYZ[\]^klmn4_`abcdefghij    nopqrstuvPQRSbcdefghijklm      !"#$%&'()*+,-./00112233445566778899::;;<<==>>??@@AABBCCDDEEFFGGHHIIJJKKLLMMNNOOPPQQRRSTUVWXYZ[\]^_jihgfedcba`o]n^m_l`katVsWrXq[p\uvwxyz{|}~#$%&'()*+,-. /!"Hw%SH[n/an/aCCatData JCjoint checking JS joint saving PCpersonal checking PSpersonal savingif("Account Type"='JC','joint checking', if("Account Type"='JS','joint savings', if("Account Type"='PC','personal checking', if("Account Type"='PS','personal savings','illegal')))) wxyz{|}~ !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuv{|}~ !" jihgfedcbXYZ[\]^_`abcdefghijklmnopqrstuvwxyza`tsr#$qponmlk%&'()*+,-./0123456789:;<=>?@ABCD      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./uvwxyz{|}~SRQPONMLKJIHGFE0123456789:;<=>?@ABCDEFGHIJKLMNOPQR     STUVWXYZ[\]^_WVUTH  !"#Y$Z%w&x'y(z){*|+},~-./0123456789:;<=>?@ABCDONM L K J I HGFEXYZ[\]^_SRQPWVUT`abcdefghijklmno{|}~pqrstuvwxyzTU~     567  8!9":#;$<%=&>'?(@)A*B+C,D-E.F/G0H1I2J3K4L5M6N7O8P9Q:R;S<T=U>V?W@XAYBZC[D\E]F^G_H`IaJbKcLdMeNfOgPhQiRjSkTlUmVnWoXpYqZr[s\t]u^v_w`xaybzc{d|e}f~ghijklmnowxyz{|}~pqrstuv      !"#$%&'()*+,-./0123 !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNO           !"#$%&'()*+,-./012 3!4"5#6$7%8&9':(;)<*=+>,?-@.A/B0C1D2E3F4G5H6I7J8K9L:M;N<O=P>Q?R@SATBUCVDWEXFYGZH[I\J]K^L_M`NaObPcQdReSfTgUhViWjXkYlZm[n\o]p^q_r`satbucvdwexfygzh{i|j}k~lmnopqrstuvwxyz{|}~opqrstuvwxyz{|}STUVWXYZ[\]^klmn4_`abcdefghij    nopqrstuvPQRSbcdefghijklm      !"#$%&'()*+,-./00112233445566778899::;;<<==>>??@@AABBCCDDEEFFGGHHIIJJKKLLMMNNOOPPQQRRSTUVWXYZ[\]^_jihgfedcba`o]n^m_l`katVsWrXq[p\uvwxyz{|}~#$%&'()*+,-. /!"Hw%SH[n/an/a joint checking joint savings personal checking personal savings  CColNumFieldAgeAge{Imported from data source 'Excel Files'. Table: CRM Field: Age Column type: Numeric Date of import: 2/10/01 12:45:13 PMH I  $7?: (G ,") ! @ z$S9WU4%Lm7MO653V1X/BCYT"!y`.u21U &'xl2  QW0# n)tO3Rr(Q<wqpP>ov{8X4R ]s:PbZgaflSn`t#U|@TWgh=p8:>?BCCN;=I^dBxgrq]`j_]*ihAKLR\4zyd^TUd_OmcjH}cfZ[EYiKYXD~53;VeFe}<>+P;b Zbek_M?w'@9[\JscE^rA)oDGF(<&aa[h\w&i KC-2mSm1N-0i{[Z%%*(%$_ Mnh#v DFz,^j*uJLkkB.k]gl ,.l+/f\ +x/)G'j0y=7teop&'3"d~/26n#HS7Wu4P!|TN1~p "FJ-bf9a5~GK.5V660|DVXIuY},s|{v`!8cLAQ}-+$* Eqs8>x{ zH=qrOI A<v:wy9JoNtR? QE@;MH  5 = qr ~  #$%6*$ (,""+)/ 3!4/p.#%9&'-T+U*W7 ?:<>4a53;21%0=968]@:LSBqCrKF_GD"ANHoOyIzJNEMSW!^?]KTjUkYXVPZ_[\RQbl`g"jNdlmpcrfxiekahno{pu~s3|8}Rxd{ezjqurxvwytY'/6_|Q`v &'(*.2;<>-K-VeD^!)09m:CTi+7<r}=@U"23tNWX      ,;EK*W+')(&%="/#-.,1!C$V X8+:,>-?.;;==<973264150@C0N8I>BBAZK[L\OnHtE~FMJDG]UTR]\^_mZz[{Y^S#WPVX%QO`~nodAbecam$i0hPkvg~lfjz?y}uxtrwqpv{s|}u~1k367:$SYcCN 4{!cw*14VXY\(m DRTqDyzk|}O 9SJ 9_, JK Zf   ifghst$@%R"w!x&'# )(-,b*m./+9E4L7[6c5d3f218:='>;?<0/HIGOB/C4D@EAFK N&MMJoLsSAWFUGVgYuTvQRPXZ_O]P^i\[mUlafn h$gG`MdhcwebijjkuoxEzfyg}wrtp~| u){?v@q[s\;e^l{  %&dn?GFGbvHIQTat o:D)LRq +125<bdyM]belsghl*5HJ`    ,7 8 FL]ZoF_|7A&-'*>(@%A$B#Q.x,+/)'! "1h20347568I>a=p<:9?;M^O`C D[BwHNFJGKI&LMEZA@XnUWQRP[6Z8_I^c]|\STV#Y-giXhYjsomnOkyledbfa `BcLtp(rHqIsw{5vSzaunxy~|}.<}HWp>BCJV\j !(U`kPz2P# ).Ei 0Q<< %+3?N]m8Tm"5GYo{1AVagvn/an/a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verage Holiday SpendingAverage Holiday SpendingImported from data source 'Excel Files'. Table: CRM Field: Average Holiday Spending Column type: Discrete Date of import: 2/10/01 12:45:13 PM./ tsrjihgh  moqrtv<wx>yz{ !B     C"#EHIJMNOQXRI H$Gba`IHGFEDCBL,-./01234567>LNYZfghijklm[\]^_`abcdefgijkln{zyx%wfe dc&'()*+,-3456789:;?@ADKPSTUVWpsu|}~    89:;RTUVWY    *123456789:;<=>?@ABCDEFJKLZ[\]^_`abcdefghi5678klmnXQPuvnrwxyz}=210% !"9:;<=>?@AJKL{MzyOPQxwRvutsrqpoUWXn('&$#"! e~}|dcNba `^__^]opqZSOMKJIHGFEDC !"#$%&'()+,-./0S|}~T#$%&'(BA@MNOPQRSTUVWXY)*+,-./01jklm2opq3stuv4{|~\?=<+*)V[YZ[GF\]H    !./stuvwx  '*,08?A`i|./ 9!:"W#X$q% &#'$(%)&*'+(,)-*<1>43+4,5-6.7/8091:2;3?4=!2&1)0*B>CMEZH]I^J_McNdOeL@5A6D7K8GFQfXkRlYZ[\]^_P9S:T;U<V=W>hm$o&`abcdefgijklnq(r)t+v-w2x3y5z6{7p?s@uA|B}C~D E   Y[\FRSTUdhijxyz{GHIJKLMNOPQRSTUVWXYZ[!\]^_`a}~bcdef:;?@AIJKL     ghijklm n o p qr789 s,-./0123456,-./%+('&$#"! +*)01234567>8t9u:v;w?=<LNO0M1K2J3I4H5G6F7E8D9C:BeAf@gRxTyUzV{W|Y}XQP_^]Z+S-\[fghijklmonedcba`{azdyexmwnvru}t~srqp~}|ghj~chjkloq"FRSTstuvwxyz{|$CE"#Q am o     !#%;<=@BDUy;<=* >!?"@#A$B%C&D'E(F)G+I,J-K.L/M123456789:;<=>?0NInHpGr@ABCDEFJKLMkNlOmZ[\]^_PnQoRpSqTrUsVtWuXvYw`abcdefghinjklmorwxyz}pqstuv{|~Vb"#$%'(<=>BCDEFGHG H I J K LNOPQMNOPQ%)*,./HO R!S"T#^$_%`&a'b(c)|*}+~,-./56789U:V;W<X=Y>Z?[01234IHGFEDCB@\A]J^K_L`MbOfNPgQiRpUWX^_SPT]VYZ[\]j i hgbza{`fedc"klmno&t s r {zyx wuvp'q(|V}W~XYZ[\     Hb&Hzn/an/a 1 5 2 4 3Avg monthly balanceAv M BalImported from data source 'Excel Files'. Table: CRM Field: Av M Bal Column type: Numeric Date of import: 2/10/01 12:45:13 PM+([6A3|a`[tdB,% 4D!9;-=/.C"3'B&1`T:#7V-8m_ y0n$A=g<:5J42*TpI5Sb \@ 8 XtN?I1D6 p uqwx0MUeJ^)/8|>b .s w! {/)EfM YQV`rx]ql~Zm,zh3j6Yoy"!gTWE_jdOXrce@fU(NSjbS&Z&9Jac"BuLcHWsiiKO%YR{]\K} '@_XPk#aF~*#t2gE<h'.,{:KHvn5eCy]LN>zv+A^xoz/%M~?}7hlM!P$Qn>8=V$>#IP7vFELG9p)C3};t1+-msRi'*kw [.H&GufG;d WU} R\(oUdO^?<l%|4FQi Jqv)+L<  r~k70Zu D2cb* -`{y"a  5e Yzw,pjZ21fPDhS\F$OgGN|( XxRr0WCTBI6:9^s4QVn_][KqH@;?=AoklmH  %./CRV |  *03YZjors+(,"%#!,-2/5.6"9'<&> T*l)#t$64)9-;1=43:1?:D7K8O0W<c2k5w?>AD+C7B=JhIt@NMO L@KdHFEG[TB_SSx\}X^YQ]ZWURWPrVd`AmPn[ebflogj a6c8iMkshpntuqx|sw{r~zy}ev;3>N] &'(EFHL4ESY @GJh~fuvz{DFX!\p,Be~)-?GV  *u!O!$1#} ) f"AJ ~  K dR,:v-N$^)/. ,"!(&/%Q*#'+=`5g4i863902:>?1 ;8<i70DME@NJ1B:HCKOFwLAICG/O[[VMTm_ SYU]^XqPQW?RF\QUT^_Z`mhj cfb"iLavgelnkd;oS|yUpwqu={vzx~}t snrQa.g| `s85<` 4Bfk]'HI{qM$x1(0ADFPwyc#3:@Eg-a5G[ca2GKXq;HI  !T_c i} $. E #$[ky5/&("9'm.,%!$#+-(R) *:d10865=>793;?e4t<2BA_IJOP@nEKCNMH)G6FuLDUVYTXS%Z+WJ\b_p]^PR[&Qxagbby`jd ecAnohmif3lmkxr2sK{\tyzvp}w u0|rq~jhz6<^korv7o/=e}& 9oiCU^dy.%(>Y|Z+PbUYhlpt "&BHbux~Ngjl  <X\]     *MWw#I !/)'*.'&*%p+-",$T(a3 <7>852-170z6:94;?=EMLJDCFROVGXNZC|BIKH@AU@YZ,P9SO\QXfRmW{T^QV_][dZi{cb`aej%f8hLgWnoklmt~z}Dvu{yzwp|`xjrnsq7'2?S]sl=V +4>NL;IJ\_q  !"#$%&'()*+,-./012346789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrsuvwxyz{}~      !"$%&'()*+,-./0123456789:;<=>?@ABCDFGHIJKLMOPQRSUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnpqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~n/an/aw@}@@0@P@`@@p@H@Z@̥@@@@@@@@@y@u@@@(@@@px@@@y@"@ @@@@8@̴@@H@t@@b@@@Q@@8@@@d@D@@P@`@@@c@(@@(@@h@D@@@@@m@H@@Ѕ@@`@@!@@L@@@@@@@6@&@(@@@@N@`@4@@b@@F@~@@@@@Ա@@Ԣ@@4@q@@@@@@̕@@@,@@@p@,@p@@d@:@F@r@@@ĩ@@A@@x@@i@X@w@@@|@@@2@@z@@@1@@,@y@ȫ@@$@@,@@8@@4@p@@P@`@j@@T@ @@y@ n@@)@@`@@@@@@@@^@@@@@@@̜@8@Z@@-@^@@4@d@d@z@v@@@@(@@%@px@Ρ@@ @ά@@ @@@C@Ԧ@e@@ @ @^@?@@@n@@9@6@B@@@@@@Դ@@@@@@$@Q@-@c@@@@h@@T@@K@K@@,@n@L@n@`@'@@@@q@@4@C@@@@ @@@l@@@j@@@@@@@?@$@@@q@Y@@@n@D@j@"@b@Ե@8@Ӳ@Y@x@@@@@@P@@@@@@@@,@@r@6@[@ж@L@S@p@@@j@@۱@@@@@@/@-@i@@@@@@@@@@|@K@8@@@@@~@9@@@@z@@ʰ@C@d@ͷ@@@b@@@@W@@$@E@¡@z@U@G@@@,@Z@ @@@@pu@@к@@Ж@֣@@v@%@@@̹@|@@I@z@@i@@{@@@@<@@@@@ó@p@3@@@Y@@@g@M@@@@@&@H@h@@û@@"@@4@J@@ @@t@$@l@$@@g@@Ѓ@@m@@@@@@9@,@y@@@6@@9@@d@4@C@@!@@@@X@@^@@@-@@@@@~@@@<@@@@@@"@@&@@@@ @v@@ӵ@@ @U@B@ܶ@@@@@%@@y@@@@g@@e@\@Ƹ@)@K@@@@@ð@@@|@@@@̟@ @;@b@@ @@@ @5@ @@)@L@˰@£@ @u@̷@ʰ@ʪ@O@@@ֱ@+@ѻ@v@@U@<@@@@@+@@@n@ڠ@@H@@@@R@^@̽@|@d@@@)@8@]@d@@@@T@@#@@@@@7@@@Ʋ@?@!@n@ܰ@:@Ң@@@@@/@@@0@ʹ@p@ڧ@Pw@H@@@I@@8@5@@@f@@E@m@ @@@5@@@@V@%@8@@J@]@@N@a@q@I@x@@@@@=@a@@@@@7@@N@F@@7@@@@@@o@%@@F@@@@ֹ@@ @P@@@@@@@@@@@_@@@M@ɿ@@@@%@@p@P@@@n@@@1@.@@$@@@R@@@Ž@@k@@o@@J@@:@ @@3@q@7@@@P@@@@@k@@@@@j@|@@E@@@@@@@,@V@ @@@@@(@@1@]@t@@@@@p@@d@D@@@Ļ@@,@@@D@@@@>@@s@@I@@@@@Ž@@D@v@@*@5@U@@G@@@@@@@@B@V@@@@@@@ۿ@@@@$@@V@@f@@^@@@s@@@@@$@@@|@@@Y@`@@@ @^@]@@@@@@@@@@@@@ @@z@@@@@@@ @@@B@@@@@@R@$@@@@@x@@@`@a@@@!@@@@@@@A@@K@f@@@b@@`@@@@G@@@@@@@@@v@@@?@@@@@Q@@`@Z@@\@@@{@@@Z@'@0@@@F@I@@@Y@@T@z@@@D@@'@@@A@1@[@$@@*@?@@ /@@%@@u@@@B@@@@@7@ @`C@@@0D@@6@~@@)@@@@@r@@@@@@@@m@ @0D@Avg monthly transactions Av M TranImported from data source 'Excel Files'. Table: CRM Field: Av M Tran Column type: Numeric Date of import: 2/10/01 12:45:13 PM TJISNMQE<WOUkL+RKPB#(6H\AV$;FGEXtd7M>8L,% <4D!9 Uuq-/=.Cxp`"3J0e'B&1 :^m 7 |bp52*sY53w t8Z@2{1P?|Daf Y[ S\FrrOGN>X R])l~Z0WC_TV-z[yB$A=6Isg::95^o4yT`4QnbgVn q8I_1]D6[K#p w0MUJH@)/;8j?.= /aV` cAxqm,iho3j6Y"!!T=E_}jdXrce@f(NSbSk&Z&9Jk"BlucHWsiKO%Y{]h\ '@_XaF*#t2gE'.,{:Kvn5eCym]LN>vz+A^oxz%M~?}hl!P$Qn~#>IP7v9pC3/};t1+-smRikw [HGu)fG;dW 'R*Q\(oU.&O^?< l|4Fq})L<d% r~70Zi+v D2 *ucb-`{"ya e zw,jfhg$|(xH*8HT_ e " * P QDIKLjvA+"#,(-$:,`%b!l-/."'& *)Y6.;;<h4i9m=301:7258?>KJI N MOL!K&H/A6F<G=E>DkCB@TS QWUR#P)\0V9X@^Y,]UZe_l[~dSembf#l[o`gnjacik:ha1tEu}q~xp|sw{ r;~az|y}#vBdoops ez4E'(Zw$OP5Ra]rgs $%@GTn Jq 3FN]x%'24CPp  MY tu{    2!X0TW-{$)/. ,"!(0&>%W*v#y'+=54863 9?2{:>?1;<%7U0XDME @-N1J@BFHMKUFpLAICGO[0VyT_"S2YZ]^XnPQW R\U^ ZY`mh j&c+f/b6iTaog|elnkdo|ypwquJ{vzx~}ts*rQ?}.=ft!-S^X)DI`} #&Ce739NQsQr!-5`buW)JiXq.=Fbx:1Hi  4Y_c gu   %57\iqw=/&;"E'j.,%!$#+-()@ M*u:1086=5>793;?"4.<J2cB+AIJOV@kEKCNMHGF/LEDbUVYTX(S8Z<WR\d_m]^PR[Qka gb`jd'e,cKnohmifl)xr*AsS{]tzyzvp}wu|,q<~RCN^xh$GOc| Hdf(AfwLg $hB[+5ADOVgny{3(8P\rn:?ORV\t3B|/I_cmz2FHIakpt} '7;? _j sv   16N`df# !/)'*.&%L+[-",$(<7U>Z8[532 10h6:94;?=EMVL^JDF8O<G>NBCkBIKH@AUyYZPS6\7XMRSWjTv^QV_][no kClGmdKiZczb~`aejfhgptr9sq~}>v]ouw{yzw|x49Glmx\Lrq&+DW l~jj  !"#%&'()+,-./123456789:;<=?@ADEFGHIJKMPQRTUVWXYZ\]^_`abdefghijklmnopqrstuvwyz{|}     !#$%&'()*+-./01346789:;<=>?@ABDEGHIJKLMNOPQSTUVWXY[\]^_`abcdfghijklmnpqrtuvwxy{|~      !"#$%&'()*+,-./01234589:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcefghijklmnopqrstuvwxz{|}      !"#%&'()*,-./0123456789:;=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~n/an/aj@`n@|@@T@@q@@f@R@``@H@@8@@r@@@@(@@v@k@ i@@@t@Ȋ@0s@ k@H@X@k@Y@Y@@@@ps@`x@`@ g@q@z@py@b@@@P@^@q@u@v@v@y@z@H@px@s@@@b@p~@@s@|@`g@s@v@0@@(@`e@y@v@Ps@g@g@g@b@F@E@`@\@@R@J@Y@``@R@^@G@<@Z@f@X@h@`@@@b@@|@p@l@@@Ȝ@@n@py@@@@(@ܙ@:@@~@@@0w@u@p@@@i@u@@@w@8@@X@x@h@8@b@h@y@@@@s@ԛ@P@@@Đ@@@H@0r@,@@6@@T@@؛@L@x@,@ԟ@`@@ @t@pu@@x@@|@@@@`@@n@ȅ@<@,@@@@@`@@d@l@@[@l@q@0z@Đ@D@@n@T@@@P@ԝ@0@؎@0@@@ @ĕ@@0@@@@r@?`@L@؍@s@@H@@h@@@@H@`@L@0@`@@@`k@L@H@i@@q@ m@@C@R@@@\@c@x@@~@t@@@؂@ `@@0w@@_@@m@d@h@@v@@c@|@s@0@~@Ђ@w@@Z@pt@X@u@M@ m@x@Pp@t@@1@0~@{@(@@F@^@g@@0@`@@@X@У@p@8@@`@@d@L@@p@&@D@@@@@H@@4@@@@P@}@,@@@d@@ؓ@@M@X@@@.@α@X@z@B@ҡ@H@@Ĭ@@@r@|@<@@@@^@H@@C@ª@(@@ @\@@t@r@@@@@@X@t@J@w@l@@@A@@@H@H@@@z@@@2@@@@6@@"@ @8@ @@@Ĩ@Φ@@`@"@@h@<@Φ@ڥ@̤@@֫@R@@5@@ޡ@@E@x@!@f@@(@@@`@@Ĩ@~@ @@|@@@@ޱ@@(@6@@@@@h@@@V@@@z@V@e@P@v@@P@@|@@x@0x@@@ȃ@|@@s@n@P@}@@y@H@P|@Ѕ@@@@0@X@~@@@8@(@@o@ԑ@@o@@y@Ѐ@@`v@@{@@s@|@@@x@@@°@@ު@ @@@&@@@@`@@β@Χ@@@f@@ܩ@@pz@@@@f@@@Ш@R@@ܣ@@@@~@@@z@`@@@З@ޤ@@r@Z@@@ @@@0@j@@@,@@ @@@̞@"@޳@@@@@ک@J@@@@@~@ʦ@@Ħ@`@@ܖ@u@@O@@$@$@@@Ē@@@Р@@@@T@`@֧@q@@Y@@<@@x@.@P@@r@@@Ӱ@ԭ@,@Ơ@l@H@@@.@n@@@ @R@ @t@h@@&@@@@@t@@@[@@@n@@@@@@2@~@(@@@@@,@1@@?@@@@@@D@6@@|@Њ@7@0@@~@z@@y@@^@Ћ@@@ܑ@@@u@ m@@@@~@h@Ѐ@q@i@~@@`@h@y@Pr@`{@P@ @@t@h@@@Ȃ@@¸@@@@\@@@@۹@@]@@@@@w@B@ٸ@@@@@@@@@@׹@+@ @ޭ@#@²@@@@,@ܹ@z@l@'@@@@H@@@@`@@s@@X@0@@@@(@Ј@@@Ѕ@$@0z@Џ@@t@@e@@j@#@@@t@3@@R@@~@@@q@̼@@8@@,@@@@Կ@@V@e@@@J@@+@8@}@@p@c@F@4@@@P@@@ɻ@@@@@@;@@y@@0@@:@@@Ѵ@@ƹ@'@@@@@8@@|@@l@n@`p@@0@x@@V@@`p@,@,@(@@h@X@S@@@@l@x@@q@`o@Њ@@@@X@@@t@@\@p@8@ @p@@@ܓ@Ж@@{@@P@@@@5@p@Ĵ@1@@@@@\@@,@X@t@@?@@e@@>@W@@@@@k@@W@{@f@b@@J@@@@߻@@@@@@%@Q@@a@@ڪ@@j@ʲ@;@@@ݷ@@6@L@ @:@@Զ@D@̗@@`@@@@4@p@@2@@4@|@@p@@@@@`@@@T@z@`@@@@@@?@ CColSelectioncheque accounts Selection 42It is a selection column. Column type: Selection.CColDerivSelection #$EFGHIJKLMNOPQRSTUVW     0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_klmnopqrst~}|{zyxwvujihgfedcba`/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"! ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXDCBA@?>=<;:9876543210/.-,+*)('&%"!  H     /.-,+*)('&%$#"! ?>=<;:9876543210O N M L KJIHGFEDCBA@_w^x]y\z[{Z|Y}X~WVUTSRQP ognhmiljkkjlimhngofpeqdrcsbtau`v~X}Y|Z{[z\y]x^w_v`uatbscrdqepfIJKLMNOPQRSTUVW9:;<=>?@ABCDEFGH)*+,-./012345678 !"#$%&'(     *)('&%$#"! :9876543210/.-,+I H G F E DCBA@?>=<;/.-,+*)('&%$#"! ?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqp|}~lmnopqrstuvwxyz{NMLKJabcdefghijk^]\[ZYXWVUTSRQPOnmlkjihgfedcba`_`}|{zyxwvutsrqpoPQRSTUVWXYZ[\]^_@ABCDEFGHIJKLMNO01 2 3 4 5 6789:;<=>? !"#$%&'()*+,-.//.-,+*)('&%$#"! ?>=<;:9876 5 4 3 2 10ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqp~tu v w x y z{|}~defghijklmnopqrs/T.U-V,W+X*Y)Z(['\&]%^$_#`"a!b c?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjIiJhKgLfMeNdOcPbQaR`S>~?}@|A{BzCyDxEwFvGuHtsrqp./0123456789:;<= !"#$%&'()*+,-     H#Hn/an/a Unselected Unselected SelectedSelectedCDiscCondition$ CCondition CColAndType  CDiscCatNamesPCJCcustomer valuecustomer valueKCreated from the result of the decision support tool. Column type: Numeric CColDerivMCDM* occupation occupation#Created from expression 'if("Occupation Type"='1','Unemployed', if("Occupation Type"='2','IT related', if("Occupation Type"='3','Communications', if("Occupation Type"='4','Civil Service', if("Occupation Type"='5','Finance', if("Occupation Type"='6','Education', if("Occupation Type"='7','Manufacturing', if("Occupation Type"='8','Legal', if("Occupation Type"='9','Medical', if("Occupation Type"='10','Administrative', if("Occupation Type"='11','Retired', if("Occupation Type"='12','Others','illegal'))))))))))))'. Column type: Discrete-Occupation TypeOccupation TypeImported from data source 'Excel Files'. Table: CRM Field: Occupation Type Column type: Discrete Date of import: 2/10/01 12:45:13 PM?@", IHG7!:oqr)t(vwxyz{ g!"#$h%&'()cdeba`edcba_^\[_$Z765432^10/.]\ -,$#"!  NSTVY[Zf689ADEHIJMNOQRpsu|}~ ~}|A@?>=<;:98765 &'*+- %'()* nmlkfednlkjicba`10+X   /m.GhF=0143  ,2tsrqpo2jihg  #:876    %542VWLmlO{zyxwP./<>BC<=?@ABCDEFGHIJKMO]`%$#FTE>LN/.-,+*)('&UVWopqstuv{|~vuPK;I543HGSSYZ[\]?^_@ABC`aFEbcdefgCBDD*i   MOPQRUWXZ[\]^_JKLJKLSRQ139;<=>YXWXQP !"VUTYgUTRfs~}|{z;:98+&}zyxyxwvutrqpoNnMwrnkjmil-0hkjH.B b k    ", !) ("$S&'*+-#%./?7:689=k0v1y2<>;543@ADEHIJMNOGbFiLBCKQRXST`UVWPSYZ[\]^_on%l&k'j(i)m]hf`abcdefgqrt!v#w$x%y&z'{(psu|}~$ux u;<=?J;<EGVWY[\]{456789: 0123 *+,67V   nKMP T    jlm@ABCDEFGHI/^._-c,d$e#f"g!h i%'()*+&7U6V5W4X3Y2Z1\0]<=?>b;:98@AB C!D"E#F$G%H&I'J(K)M*O+LcNd_N^O\P[QZTVW],SX`QaPbYzU|T}ReIdJcKbLaM`-g{fonmilhkjs~}|{zyxwvutrqp  ?@.Nf~;>stghi,-.7U/26cj)wxWXlmrs/0123456789:;<=>?@ABC|  Y Zg  #%yz{}~ *!,"-#/$0%3&4'5(8)9+O/\.^,*-:876542?1&3'9(;=<>=?>@0IHGO@ABCFEDJKLNM_R^[]`\a[tZuP SR Q!YAXBWCVvUwTxg+h1c:d<e=bAaC`Dfvmloinkjpqstuv{|~}zyxwrDEFGHITU"$)*+VWXYZ[\]^mnjklmnopqrstyopqruvwxyz{|}~3452HIJKLMOPQRSTUE-./01     FGH !"#^_%Q$R#S/e.f-g,h+i*j)k(l'& c!d"e?>=<;:987651L0N432NoA@F_EaIHGCBDMOJKLSpTqVrYsPQRUWXZ[\]^_n m l k fedc8b9a:`>ojihg~}|tsrqp{zyxwvuJKLMNOPDFQ_hnoqwz|XZRp[`adet}~           H .%S *  YH )SjecaBT4 ? b Hn/an/a 1 unemployed 12 others 11 retired 2IT 5finance 4 civil service 7 manufacturing 8legal 3communications 9 medical 10  administration 6  education                                                                         if("Occupation Type"='1','Unemployed', if("Occupation Type"='2','IT related', if("Occupation Type"='3','Communications', if("Occupation Type"='4','Civil Service', if("Occupation Type"='5','Finance', if("Occupation Type"='6','Education', if("Occupation Type"='7','Manufacturing', if("Occupation Type"='8','Legal', if("Occupation Type"='9','Medical', if("Occupation Type"='10','Administrative', if("Occupation Type"='11','Retired', if("Occupation Type"='12','Others','illegal'))))))))))))?@", IHG7!:oqr)t(vwxyz{ g!"#$h%&'()cdeba`edcba_^\[_$Z765432^10/.]\ -,$#"!  NSTVY[Zf689ADEHIJMNOQRpsu|}~ ~}|A@?>=<;:98765 &'*+- %'()* nmlkfednlkjicba`10+X   /m.GhF=0143  ,2tsrqpo2jihg  #:876    %542VWLmlO{zyxwP./<>BC<=?@ABCDEFGHIJKMO]`%$#FTE>LN/.-,+*)('&UVWopqstuv{|~vuPK;I543HGSSYZ[\]?^_@ABC`aFEbcdefgCBDD*i   MOPQRUWXZ[\]^_JKLJKLSRQ139;<=>YXWXQP !"VUTYgUTRfs~}|{z;:98+&}zyxyxwvutrqpoNnMwrnkjmil-0hkjH.B b k    ", !) ("$S&'*+-#%./?7:689=k0v1y2<>;543@ADEHIJMNOGbFiLBCKQRXST`UVWPSYZ[\]^_on%l&k'j(i)m]hf`abcdefgqrt!v#w$x%y&z'{(psu|}~$ux u;<=?J;<EGVWY[\]{456789: 0123 *+,67V   nKMP T    jlm@ABCDEFGHI/^._-c,d$e#f"g!h i%'()*+&7U6V5W4X3Y2Z1\0]<=?>b;:98@AB C!D"E#F$G%H&I'J(K)M*O+LcNd_N^O\P[QZTVW],SX`QaPbYzU|T}ReIdJcKbLaM`-g{fonmilhkjs~}|{zyxwvutrqp  ?@.Nf~;>stghi,-.7U/26cj)wxWXlmrs/0123456789:;<=>?@ABC|  Y Zg  #%yz{}~ *!,"-#/$0%3&4'5(8)9+O/\.^,*-:876542?1&3'9(;=<>=?>@0IHGO@ABCFEDJKLNM_R^[]`\a[tZuP SR Q!YAXBWCVvUwTxg+h1c:d<e=bAaC`Dfvmloinkjpqstuv{|~}zyxwrDEFGHITU"$)*+VWXYZ[\]^mnjklmnopqrstyopqruvwxyz{|}~3452HIJKLMOPQRSTUE-./01     FGH !"#^_%Q$R#S/e.f-g,h+i*j)k(l'& c!d"e?>=<;:987651L0N432NoA@F_EaIHGCBDMOJKLSpTqVrYsPQRUWXZ[\]^_n m l k fedc8b9a:`>ojihg~}|tsrqp{zyxwvuJKLMNOPDFQ_hnoqwz|XZRp[`adet}~         H .%S *  YH )SjecaBT4 ? b Hn/an/a Unemployed Others Retired IT related Finance Civil Service Manufacturing@ Legal Communications Medical  Administrative  Education                                                                         education educationCreated from expression 'if("Education"='1','Secondary', if("Education"='2','Tertiary', if("Education"='3','Post Graduate', if("Education"='4','Professional','illegal'))))'. Column type: DiscreteH Education EducationImported from data source 'Excel Files'. Table: CRM Field: Education Column type: Discrete Date of import: 2/10/01 12:45:13 PM!"#FGXhmn     89:;RSTUVWY]`fghijklmnopqrstuvwxyz{ !"#$%&'();<=>?@ABCDEFOPQRSTUVWXYZ[\]^_`abcdefghlmnopqrstuvwxyz{|}~5678`abcdefghijopqrst|}~Nnl k0123Mm123456789:4JIHEDCBA@?>GHI<:9876/.~}|-N,+*)ST({zy 'xwv&$Y VutsrqpoRQOabcde|}~     #$%&    '()*+,-./+,-./0MNEFGHIJKL jLkYZ[\]^_`abcdefg !"#$%&'()*+<=>?@ABCDEFGHIJKLMNOZ[\^_u/vwxyz{WX% URQPOMDC012345BA@LK;J=?>=<;:9iK*"!P STUVW01234567PQX,Zijkl[\-.]^_H  vwxy z {|} H~>?@ADEG!"#/.-,+*)('&$ %F?><:98760Q1R2S3T4U5V;\=^FGN`MJIHEDCBA@OLKlX RQYZ[\]^_PqStTuUvVwWxh m n o`abcdefgijkl~}|{zyxwvutsrqp  !"#$%&'()*+,-a./0123bfglm-.4568789:;<=>?@ABCDEik!/0123456FGHIJKL M N O P QRS7hTUVW !"#$%&'()*+/,-.8X9Y:Z;[<=>?0{1|2}34567@ABCDEFGHIJKLMNOR\S]T^U_V`WaYb]cZ[\^_PQX`dfegfhgihjikjlkmlnmonabcdepoqprqsrtsutvuwvxwyxzy{z|}~{|}~     !"#$%&'(*+,-./0123456<=>BC nopTUVWX Y Z [ \qrstuvwxyz{|} !"#$%&'()+f,g-h.i/j*n;<=>?123456789:0k@ABCDEFOGHIMlNmLZK[J]PQRSTUVWXYZ[\]^_`abcdefghlmnojkigpqrstuvwxyz{|} ~    cde~=myz !"#$%& %'*9:;<  )789'~:;?@ADE()*+,FGHI J K L M NOs#P$Q%R&S'](^)_*`+a,b-c.d/e"o!p r5-6.7/8001234?_>`=a<b;c:d9eNEnFoGpHqIrJsKtLuOMMNDOCPBWAX@YSTYVWBXCUIRJQKPLZ[\]^_`1a2b3c4d5e6f7g8h9i:j;o<nhljkmp=q>r?s@tA|B}C~DEuv"w&x(y)z+{,FGHIJKLMNOkfijPQRST   UVWXYZ[\]^_ #$HNaH`n/an/a 2tertiary 1 secondary 3 post graduate 4 professionalif("Education"='1','Secondary', if("Education"='2','Tertiary', if("Education"='3','Post Graduate', if("Education"='4','Professional','illegal'))))!"#FGXhmn     89:;RSTUVWY]`fghijklmnopqrstuvwxyz{ !"#$%&'();<=>?@ABCDEFOPQRSTUVWXYZ[\]^_`abcdefghlmnopqrstuvwxyz{|}~5678`abcdefghijopqrst|}~Nnl k0123Mm123456789:4JIHEDCBA@?>GHI<:9876/.~}|-N,+*)ST({zy 'xwv&$Y VutsrqpoRQOabcde|}~     #$%&    '()*+,-./+,-./0MNEFGHIJKL jLkYZ[\]^_`abcdefg !"#$%&'()*+<=>?@ABCDEFGHIJKLMNOZ[\^_u/vwxyz{WX% URQPOMDC012345BA@LK;J=?>=<;:9iK*"!P STUVW01234567PQX,Zijkl[\-.]^_H  vwxy z {|} H~>?@ADEG!"#/.-,+*)('&$ %F?><:98760Q1R2S3T4U5V;\=^FGN`MJIHEDCBA@OLKlX RQYZ[\]^_PqStTuUvVwWxh m n o`abcdefgijkl~}|{zyxwvutsrqp  !"#$%&'()*+,-a./0123bfglm-.4568789:;<=>?@ABCDEik!/0123456FGHIJKL M N O P QRS7hTUVW !"#$%&'()*+/,-.8X9Y:Z;[<=>?0{1|2}34567@ABCDEFGHIJKLMNOR\S]T^U_V`WaYb]cZ[\^_PQX`dfegfhgihjikjlkmlnmonabcdepoqprqsrtsutvuwvxwyxzy{z|}~{|}~     !"#$%&'(*+,-./0123456<=>BC nopTUVWX Y Z [ \qrstuvwxyz{|} !"#$%&'()+f,g-h.i/j*n;<=>?123456789:0k@ABCDEFOGHIMlNmLZK[J]PQRSTUVWXYZ[\]^_`abcdefghlmnojkigpqrstuvwxyz{|} ~    cde~=myz !"#$%& %'*9:;<  )789'~:;?@ADE()*+,FGHI J K L M NOs#P$Q%R&S'](^)_*`+a,b-c.d/e"o!p r5-6.7/8001234?_>`=a<b;c:d9eNEnFoGpHqIrJsKtLuOMMNDOCPBWAX@YSTYVWBXCUIRJQKPLZ[\]^_`1a2b3c4d5e6f7g8h9i:j;o<nhljkmp=q>r?s@tA|B}C~DEuv"w&x(y)z+{,FGHIJKLMNOkfijPQRST   UVWXYZ[\]^_ #$HNaH`n/an/a Tertiary Secondary Post Graduate ProfessionalCDecTreeScustomer value100?? CDecNodeGroup present value100o0E>??o0E>?CDecNodeNumericAv M Bal100|! ??B!? @0D@ @0D@?F@ CPrefPoint @Y0D@?W Av M Tran100d?li??{??@?@?F@Y?Y@?U future value100"u)??"u)?WAge1007S??V䢨?$@@Q@$@@Q@?F@Y2@YD@?Y@P@CDecNodeDiscrete occupation100($*??h=? FinanceKOthers2Administrative2LegaldMedicalK Unemployed Civil Service2Retired Education2 IT relatedK Manufacturing2Communications2d education100??a?TertiaryK Professionald Post GraduateK Secondary2t,(7:@w ?INq)QJro!"xyMIzR{OEHA+*-8 6$9D vs/C|B. HGu'`~<8<Lp&1}6> yUL$>7:3V8V S W5 B|b97T5paYYdu3" wz1E^!&J$MT`%q O52]'e4t[-g=8gmf:9!YU,.4NS#XZ~"xx` X6\@]nmbT{=G6Z/[jn_k!vcA0#VBEMX_f=}t0%ndP#KHD:3R@? ;Clcej_s02h FQlY] S{/O?shgbQTWa29ACFcmo (^ryz Xp\@44&) 1PIJ1f}lieS W=jFGUPUJA;E3)*+;~rdKDv}>kMNa R.N25rKW#%(;RV,P\it+>0'wIuq pO\<-oGLk hcZ[Q |Z/?Bd 7`^F~')bnqDa<KCi".sH^*i]L+|y&%_f[e*{zvlkjoug-,hwxm$(H  ZW E D =;75321/k_Y.  %#U&z'j.V/O$A-9*8+6" !) (,523;1\4H0=><t9B6?8:?: 7KFGLvBSCQDCA4H0E-O,I&M$JN@ PVUWTS_[Z\pXnYE] ^R)Qh kijvalcm}n{f7g1e%` dbo&}pw~lug|RsNvL{*z(y#x"rqw tViF5#~rc`JZP{omihba]\[THGXTSsqJIFrq<;:  BA?> +'%wC (%U 0 h    Xo!JI'(%+*)&O#/"_.N,M--! $71<0>;1W9#2"?3:64O83=25LGONJ[IYF&C%A$DHKMEB@y^6Z\RU~WtSnPXYQ_X]z[,TVakdeiihlfo)m(c'bg hfnj`kZr~}ds tv{xdqzwup|y3]Z<!?7sT)!}|>4 a+* 8=*,u`N.-V0 I/|xvts*<;P0jba\[G   {jL 1 D ee/yxfX@>*-+,. 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Column type: Discreteg Home Location Home LocationImported from data source 'Excel Files'. Table: CRM Field: Home Location Column type: Discrete Date of import: 2/10/01 12:45:13 PM'& !"$~}|+*)( EHIJLMNOQR    %fghijklmnopqrstuvwxyz{    ;<=>     01234EFGHIMNOPQRSTUVWXYklmn|}~CDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdeefghrstwxyz{ !"#$%&'()*+,-./9: *+,-./0123456789:;<=>JKLMNOPijklm%#?@ABCDZ[\]^_`abXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ c !"#$d89:;<=>?@ABij opq0/.345676JKL5 uv-432>?@ABCD1FG,K,+*P)(STUVW-.5678 !"#$%&'()=<;:9?@ABCDEFGHI/0QRSTUVWXYZ[\]^_`abcdefgh8712nopqrstuvwxyz{|}~'&H  5678 9 :;< rs=9!!""$$%# /.-,+*)('&065432>?1=l<m;n:s9x87E>H?I@JALBMCNDOE@ABCDFGKQFRGXYZ[\ ] ^ _ P STUVW` abcdefghijklmnoHpqrs t!u"v#w$x%y&z'{(|)}*~+IJKLMN./kt56789:;<=>?@ABCDEFGHIJKLMNOPOPQRSTUQ    VWYZ[\]./01<=>XYZEFGHIJLMNOPST[\]^_`abjopqruvwc`abcde d e f ghfghijklm ijklmnopqnopqv'&+1*2)3(4%r w!x"y#z${,-:.;/8}9~:;<=>?34567012CCDDEEFFGGHHIIJJKKLLMMNNOO@ABPPQQRRSSTTUUVVWWXXYYZZ[[\\]]^^__fsgthuivjwkxlymzn{o|``aabbccddee~.}/|0p}q~rstuvwxyz{l-mnvwxyz*+,() !"#$%&'()*+,-345     WXY*+,-./ Z!["\#]$^%_&`'a(b)c;<=>0123456789:?yJKLMNO@zA{B|C}D~EFGHIPQRSTUVWXYZ[\]^_ijklm`abcdefghnopqrstuvwxyz{|}~ #%&',-01234RSTUVWX^_KQRUVdefg t2678hijk     ~ !"#$%&'()*+,-./012349:;<=>?5A6B7C8DEFGH I M N O @ABCDJKLPQRSTUVWXYZ[\]^_klmneffgghhi`abcud|ijo|}~rosptqwrxsytzu{{pquv !"#$%&'(?@)*+,|}-./0123456789:;<=>?@ABH'CH5cn/an/a 4rural 3 small town 2suburb 1cityif("Home Location"='1','City', if("Home Location"='2','Suburb', if("Home Location"='3','Small Town', if("Home Location"='4','Rural','unknown'))))cde !"#$ %&'()*+,-./XYZ[\]^_`abcdefghijklmnopqr9:;<stu={vwx>?@ABCD#yz{|}%y~x wZ[\]^_`az*+,-./0123456789:jihgtsrJKLMNOPdcbijklmfe !"#$89:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abvuqpo 5678JKL&'()*+,-./ 0123456789:;<=,-./01234567>?@ABCDFGKPSTUVW !"#$%&'()?@ABCDEFGHIQRSTUVWXYZ[\]^_`abcdefghnopqrstuvwxyz{|}~ EHIJLMNOQR    %fghijklmnopqrstuvwxyz{    ;<=>     01234EFGHIMNOPQRSTUVWXYklmn|}~$"! |+*)('&~} H     I kj!"$/.-,+*)('& %#?>=<;:9876543210ONMLJIHEK GFDCBA@RQWVUTSP _P^O]N\G[FZEYDXCobnam`l_k^j]i\h[gZfWeVdUcTbSaR`Q~}|{zyx{wzvyuqtpsoreqdpcJ:lsrqm  4.-,+*)('&%@?3210/     &'()*+%/.-,$$##""!!  76543210??>>==<<;;::9988OONNMMLLKKJJIIHHGGFFEEDDCCBBAA@@__^^]]\\[[ZZYYXXWWVVUUTTSSRRQQPPonmlkjihgfbbaa``edc}~|{zyxwvutsrqp,+*)('&%$#"! <;:9876543210/.-LKJI>=YXM l"xwvutnm210/.-,+*)('&%$#9876543     =<;)G(F'E&D%C$B#A"@!? >/.-,+*> =<;?K:9876543210IUHTGSFREQDPCOBNAM@LONMLKJ_d^c]b\a[`Z_Y^X]W\V[UZTYSXRWQVPoonnhmglfkejdichbgaf`em l kji~~}}||{{zzyyxxwwvvuuttssrrqqppcgfed    )('&%$#"! -,+*gfHBA|{zyxwvut~}43210/. DC B A @ ? >=<;:98765JIHGFE765 /.-,+*)('&%$# " !  4O3N2M1L0K8765?}>|=r<k;j:i9hOWNVMUITHSGRFQEPLKJDCBA@~YaX`W_V^U]T\S[RZQYPX_^]\[Znemdlckbopefbcdghija`i~h}g|fpoqnuivhrstzwxy{srqponmlkj!vuts~}|{zyxwH  HcH5cn/an/a Rural Small Town Suburb CityiIncomeIncome~Imported from data source 'Excel Files'. Table: CRM Field: Income Column type: Numeric Date of import: 2/10/01 12:45:13 PML#H%*,G./D"K ;&?TO!M (0AS=CR254+->EN8 F$ W <79PJ')B63V1:@I UQnYop Zqr[stuXh\imvw]^x_ yz{|j`a bcd ek}lf g~liZ;Jn1Z|o [<QS;\]P+=p^[f>q?g,,-rG-?no&h@@}psX .2qV\3rY_QiAtR TsAuBtSC!R/ MUD<!E"FG~T`"]Hvw4^0a'%#*1x85jU$buv2I#W_Vyz.$3BWX4`N5/(Ca67Dbj{%)HcIKwJK&cd EY6e|L'mdL }e8k9~l*fxMN7gFO+Oy:m(=>0z9) {:kPhZSMUB#$>HCJ%91IE]8T&:@' (O)3L4Y*X+\N7WF<?G6_ Q= ,5A !D-V.^KP;/ 20[R" |wguqt`snax}pb~chilmdjyvozefk{rH  #',9 < @HP U !(2:=?LOS#%* , ./"&!("+0-1 7$;'F)G;?0$=)2-5.4/>386<A7B9C6J3K1N:QLHG DKOMA%C*E4N5F8JEBI@RITTS&R+W>PDVMUVQWYfZp[uXz\]^_n`ohhimj`abcdeklfg pjqqrssvtxuyvwxyz{|}~X[\ew~  Yktacdgior^}n Z_{|]bm l     pBZdy <n,A-F&X h.i!/"'%#$()0*q+;<"=+>5?T01823456J9i7w:@]ABCDEFGH1I5J?K@L[MtNuOZ[ S$\&]'P(^/XfVmY{_}Q~TRUWf2g:nUoVh[i`abj-c3dEeOkhllm|}`paqlrvst~uvw;xsyz{9<R7CR_`v*Ps')gm@GYz(:=QWJ!29LZo034_c>cp|!;?KOSt z-=DHerxAjn4NP ,6Mg # FI ]f W $KM+),>-Q !"*#.$/%/&B'U()1;%?82k3u<456&7*8d=>09:JGN@^AMHIBNC"D+K6EGLTF{O~ZQ#[1\qRST]^U_VWXYHPlinoj`a%b,cDmXdYebfrgxkhp.q7rLsbtuvwxy z {.|S}a~kC|8ejy}EI\\^ow V%+3:FU &59GK),<=JX6AD_*-12?NPRZ  ! $ QY ]^ /7@EM\#$%&'()*+,' 0!4-;.B/O"[>918:347 <?6=#5(;L2S0TMBHCJIE@OLN FGA.D8KHZSU]TYX\ W_ Q"V>^CPI[VRWgf`pnva~bchilmdjoefk|`wbugqitjssx}p~yvz{rcemtx|dlow{}ahnykqruz  !"#$%&'()*+,-./02345679:;<=>@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~     !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghjklnopqtuvwxyz{|}~      !"#$%&'()*+,-./012346789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[]^_`abdefghijklmnopqrstuvwyz{|}~     !"$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~n/an/a@x@ y@X@x@@x@@c@@(@P@@@@q@P@u@@H@@x@`@@@0@8@@@8@@h@@@@؄@l@ @@z@@h@@p@@h@@h@@ȃ@@H@@@`@@@@؋@@@؅@x@@@X@@`@@0@X@@@؂@t@؎@X@P@ k@H@X@@@ @@@@`@@(@8@@@@@Й@@@@@@Ƣ@@@"@(@N@(@ @t@,@@@@4@@D@p@@@@@P@P@@@N@l@@^@(@(@̖@(@ԟ@@@@@(@@@@@@@؏@̙@x@@@T@@@X@T@@|@@@@@n@@l@`@@@d@@̝@@@H@@H@P@Т@@إ@@@ē@@@@@l@@@@h@@X@@@@H@@@8@ @@Ħ@@P@d@t@<@@@`@@@D@`@@@2@֢@@@|@$@\@@ԣ@N@@H@@P@@v@@d@@@@d@@<@\@@@L@@@@@@@h@@@@(@@@d@@.@Ρ@ޤ@@@x@0@@Ԥ@@:@@@j@@@¥@@@@r@E@@"@"@0@̬@<@@@@ @$@(@@@N@@ݱ@T@ʱ@"@@B@г@}@@@\@@@k@@n@@"@@@w@@@@@@@t@ب@f@@z@έ@@L@h@ @A@M@߳@@4@@@ڴ@@@@@@@@@R@"@@@@@n@@@@@@z@h@@_@@6@@b@\@ų@/@h@@@@@"@@@@h@j@@@@n@@@@|@@@X@@@@@ @b@*@@@@@@@t@@@@̨@@@@@\@@@"@F@T@i@@@ذ@b@ܬ@l@@@*@´@R@@ @@@,@H@s@@|@@޲@I@@@@J@Ӵ@Ŷ@ @̮@@@L@@v@ @:@@J@/@4@@'@@@ܫ@@X@@d@̩@ұ@6@ت@p@@@ڶ@@@@7@@X@@ʬ@V@A@v@@P@F@@@@*@f@\@@d@@@@@:@ @@@̶@L@@2@@@R@@\@q@@׶@@n@Ī@@h@@a@ܴ@@N@z@@z@@"@Ȳ@h@@@ϵ@f@@@@0@@ȧ@@@@9@@@ͳ@K@@'@@@ʨ@@@@A@m@@@@1@@@v@@@@@@t@9@Z@@@z@@K@@h@@ƪ@ɰ@@@@@P@5@ȵ@N@x@@@}@N@@@@k@@@\@@B@@)@o@@[@̴@@@@d@@M@4@p@Ǵ@@6@@z@@Ϋ@z@@԰@@@@@ʳ@@@L@@F@@&@@Z@@"@ @T@@@b@@W@v@@P@@@m@@@|@@@@ڴ@@D@0@2@r@>@@ڭ@@@а@Y@۲@@Y@t@ñ@@Ϲ@@s@>@@@s@@"@_@t@@@t@@j@<@@l@<@@z@@@E@@S@@X@(@@@@@÷@͹@@@@@@P@@@E@@|@@@@C@@@@@d@@V@@$@g@й@*@T@I@ @)@@@!@!@f@j@>@@_@@@@@3@i@z@ܻ@@@$@]@@@@@,@@@.@}@@A@O@e@ @P@J@x@@@@@P@c@J@@h@@P@v@m@&@@@@)@t@@3@@@@C@@7@F@5@@@@C@վ@غ@@@@@@@$@˻@&@@w@@@M@.@0@@@@%@߷@@@@@L@ɷ@ܺ@@@@T@@ɷ@J@@@O@@@ @@i@m@@@@@@a@@@`@@-@@@+@L@@@9@@/@@H@@@/@@@@@!@@@5@I@@@M@@@@@@@u@\@@@<@@@@@C@@%@@@@@@@@z@o@F@P@@U@@c@@@@@@o@@@F@s@/@@3@@t@A@@/@@R@s@@@c@t@ Income Group Income GroupImported from data source 'Excel Files'. Table: CRM Field: Income Group Column type: Discrete Date of import: 2/10/01 12:45:13 PM6789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVW  !"#$%&'()*+,-./012345     XYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~           !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~H"#$%&'()* + , - . /0123456789:;<=>?@A B!C"D#E$F%G&H'I(J)K*L+M,N-O.P/Q6789:;<=>? 0R1S2T3U4V5W@ A B C DEFGHIJKLMNOPQRSTUV W!XYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~XYZ[\]^_`a     bcdefghijklmnopqrstuvwxyz { | } ~  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{ | } ~   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./ 0!1"2#3$4%5&6'7(8)9*:+;,<-=.>/?0@1A2B3C4D5E6F7G8H9I:J;K<L=M>N?O@PAQBRCSDTEUFVGWHXIYJZK[L\M]N^O_P`QaRbScTdUeVfWgXhYiZj[k\l]m^n_o`paqbrcsdteufvgwhxiyjzk{l|m}n~opqrstuvwxyz{|}~            !!""##$$%%&&''(())**++,,--..//00112233445566778899::;;<<==>>??@@AABBCCDDEEFFGGHHIIJJKKLLMMNNOOPPQQRRSSTTUUVVWWXXYYZZ[[\\]]^^__``aabbccddeeffgghhiijjkkllmmnnooppqqrrssttuuvvwwxxyyzz{{||}}~~H6`HXbn/an/a 1< $1000 2$1000 -> $3000 3$3000 -> $6000 4$6000 -> $10000 5 >= $10000likely defectors Selection 22It is a selection column. Column type: Selection. yRating of CustomerServiceRating of CustomerServiceImported from data source 'Excel Files'. Table: CRM Field: Rating of CustomerService Column type: Numeric Date of import: 2/10/01 12:45:13 PME%#$FGX  & HIJvu4321YZ[\]^_`abcdefgh0)KLMNOijkl    56789:;<=>?@Aklmnwxyz{ '(+*RQPcd-,"|}~#$ BCDEFGHI%&'()*m+`abef !ABCDEWXYZFTSGHIJKLMNO;:qrstPQR !"#$%&'()*+,-./0123456789:;<=>[210n\VUghij9]^_`abcdefoghijklmn,-./012345678o876543     pqrstuvwxyz{|}~/.STUVpJKL9:;<=>?@MNOPQRSTUVWXYxyz{|}~wvutsrqpoA@?>=<?@ABCDEFGHIJKLMNOP W   DCBQRSTUVWXYZ[\]^_`abcdefghijklm !"#$%&'()*+,-./ !"Z[\]^_~}|{zyxwvutsrqpon H   012 3 E G L23%# $ &F)k'(+*-,/F.G !";:2109876543?>=<EFGHHIIJJKnLoMpNqOrA@D/C0B1XYYZZ[[\\]]^^__RQPTSVUW``aabbccddeeffgghhitjukvlwmFno5xyz{|}~wvutsrqp+,-./4yzIJKLMNOPQRSTUVWBCXYZ]^lmnorvwghijkq|VWXYVW{|}~MNOPQRSTyzUwxyz     Us"# $ %#&$'%(7)D*E+G t!u, - . / 0 123456789o:p;q<r=s>t?uA{B~CDEFGHIJKLMNO@vWXYZPQR[\]^_SHTIUJVK`abcdefghijklmnop7q8r9s:t;u<v=w>x?y@zA{B|C}D~E !"#$%()*+,-./0123456[\]^_`abcdefghijk&'()*+, !"#CDPQRST:;<=>?@AB         !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQ4R5S6T7U8V9W:X;Y<Z=[>\?]@^A_B`CaDbEcFdGeHfIgJhKiLjMkNlOmPon~}|{zyxwvutsrqp9abcfp$%&'Q(89:;<=  ^_`abcdex)*678j&' !"#$%&'()*+,-./0 1 2 3 4 56{|}~nopqrstuvw x!y"z#{$|%}&~'()*+,-./4M3N2O1X0i56789:;<=>?@ABCDEFG H!I"JlKmLnMNOPQRSTUVWXYZ[\]^_klmncd`Ha[b\edfeghijovKuLwxyz{|}~qrstpZ   WXYZ[\]fghijlmsx>?@A_klm`}-.RSTUV )ky{n/an/a??@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @@@?@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @?@@@@@@@@@@@@@@@@@ @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@????@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@"@"@"@"@"@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @"@"@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @"@"@"@"@"@"@"@"@"@"@"@"@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @ @"@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @"@"@"@"@"@"@"@"@"@"@"@"@"@"@"@"@"@"@"@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @ @ @"@"@"@"@"@"@"@"@"@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @@@@@@@@@@@@@@@@@@@@@@@@ @ @ @ @ @ @ @?"@Rating of Product RangeRating of Product RangeImported from data source 'Excel Files'. Table: CRM Field: Rating of Product Range Column type: Numeric Date of import: 2/10/01 12:45:13 PMlZWNMJA=<961KPSTUVW89:03DSUX\prCGHIJKLMNOLKsJFEDonm;_^<CBA@?*=>?:5ml[kjihgf?L@ABCDEFGEPQRSYTPOC IHBB@>=<210/. 872vutijkliqk]%TUVW    +,-./0MNQRSTUVWXYjk4;>FKLQRV|}~34ghij  !"#$%&'()mhgfDeZ[\]^_`abcdefghdcba`_^]\[ZYX! 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Column type: Selection. ytestsettestset2It is a selection column. Column type: Selection.  trainsetdef trainsetdefOCreated from expression 'if(rnd(0,2)<1,'train','test')'. Column type: Discreteif(rnd(0,2)<1,'train','test') !"#')*+,.345678<=>?@EHJLMOQRVWXZ]_bcdhlnoqrtwx{}~   !"#$%&'(-./03568:;>EJKPRVW[\^_`cefijnqrstuvwxy|}~  &'(),-/0124578:;=BCDFGJOSTUY\^aeghklmpqrstuwxy{}~   #$%(),-.01257=?BDEGHOPRSTVYZ[\]^`defijklnoqrsuwxy~ KLM N$%&(Q-/0129:;ABCDFGIKNP STU  Y[\U^`aWefgijkXmpsuvyz| !"#$%*+._36a9<>?@AbcEHIKLMN PQR  VWXZ[]g  _`hbcdfij nom)*+,vp124!z7"9|<=?@ABCDFGHItLMNOQ&STU'XYZ]vab*d+ghklmop/zz{{|34}689:;<>@ACFIJH      !"#' ) * + , .$ % &(-/345678<=>?0129!:";#@EHJLMOA)B*C+D,F.G/I1K3N6Q R!V"W#X$Z%]&_'P8S;T<U=YA[C\D^Fb(c)d*h+l,n-o.`HaIeMfNgOiQjRkSmUq/r0t1w2x3{4}5~6pXs[u]v^yazb|dg789:;hijlmnopqtw<=>?@ABCDz|}EFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuv w x yz  {|}~!"#$%&'(-./ )*+,03568:;>12479!<$=%?'EJK@(A)B*C+D,F.G/H0I1L4M5N6O7PRVW[\^_Q9S;T<U=X@YAZB]E`cefijnaIbJdLgOhPkSlTmUoWqrstuvwxy|}~pXzb{chknprtvy{}  $%&  '(-04579 : > ?   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H        /.-,+*)('&% $ #"! ?>=<;:9876543210ON MLKJIHGFEDCBA@_^(]\'[&ZY%XWVU$T#S"RQP!onm1lk0j/i.hg-f,e+dcba*`)9~|}}|8{~z7y6xwv5u4ts3rqp2DwxCyzBA@?>={<;:KnJIHopqrsGFtEuvTSgRQPhiONMjklmL^_[`abcZYdXWeVUfVWcbXaY`_Z^[]\]\kNOjihgfePdQRSTUFGHsIJKrqponLmMl}|@{ABCzyDxwvuEt8 9 : ;  <=>?~/01234567/$.%-&,+*)(''(&)%*$+#,"-!. ?>=<;:9876 5!43"210#ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPon mlkj i hgf edcba`~}|{zyxwvutsrq p     /. -,+ * )('&% $ #"! ?>=<;:9876543210ONMLKJIHGFEDCBA@_&^]%\[$Z#YX"W!V UTSRQPo/n.mlkj-i,hgf+ed*c)b(a`'3~v}w|2{xz1yyxzw{v0u|t}s~rqpn;o:pq987r6st54uEhDCiBjAklm@?>=<ObNMcLKdJefIHGFgXW[\VU]^TSRQ_P`aST`_^]\U[VWXZYZYfIJeKLdcMbaNOPQRnmABCDElkFGjihgHw:;v<u=tsr>qp?@o  ~ } 4 56|78{zyx9*+,-./0123/.!-",#+*)$(%'&%&$'#("! )?>=<;:9876543210 ONMLKJIHGFEDCBA@_^ ] \ [ Z YXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqpHHn/an/a Unselected Unselected SelectedSelectedyЏ^!ƥіilG#IV_` B.iM iF3G+Vg-܄8R9kYJaI 3vla>&ja9s]~qޮC DDb*O$$&yЏ^!ƥіilG#IV_` B.iM iF3G+Vg-܄8R9kYJaI 3vla>&ja9s]~qޮC DDb*O')test  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKMNOPQRSTUVWXYZ[\]^_`abcdefghijkmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./34689:;<>@ACFIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijmopqrstvwxyz{|}~unlkHGEDB?=75210lLH    /+.*-),(+'*&)%($'#&"%!$ #"! ?;>:=9<8;7:69584736251403/2.1-0,OJNIMHLKGJFIEHDGCFBEAD@C?B>A=@<_Z^Y]X\W[VZUYTXSWRVQUPTOSNRMQLPKoinhmglkfjeidhcgbfae`d_c^b]a\`[y~x}w|v{uztysxrwqvpuotnsmrlqkpj~}|{z          /.-,+*)('&%$#"! ?->,=+<*;):(9'8&7%6$5#4"3!2 10O=N<M;L:K9J8I7H6G5F4E3D2C1B0A/@._M^L]K\J[IZHYGXFWEVDUCTBSAR@Q?P>o]n\m[lZkYjXiWhVgUfTeSdRcQbPaO`Nm~l}k|j{izhygxfwevductbsar`q_p^}|{zyxwvutsrqpon~     /.-,+*)('& % $ # " ! ?&>%=$<#;":!9 876543210O6N5M4L3K2J1I0H/G.F-E,D+C*B)A(@'_F^E]D\C[BZAY@X?W>V=U<T;S:R9Q8P7oVnUmTlSkRjQiPhOgNfMeLdKcJbIaH`Gf~e}d|c{bzay`x_w^v]u\t[sZrYqXpWvutsrqponmlkjihg~}|{zyxw     / . - , +*)('&%$#"! ?>=<;:9876543 210O NMLKJIHGFEDCBA@_0^/].\-[,Z+Y*X)W(V'U&T%S$R#Q"P!o=nm<lkj;i:h9g8f7e6d5c4b3a2`1L~K}J|I{HzGyFxEwDvCutBsAr@q?p>\[ZYXWVUTSRQPONMlkjihgfedcba`_^]vutsrqponm~}|{zyxwHH9n/an/a Unselected Unselected SelectedSelected@  & 3L@X b$$&`" ?NV﷿x`'y)Selected$$&yЏ^!ƥіilG#IV_` B.iM iF3G+Vg-܄8R9kYJaI 3vla>&ja9s]~qޮC DDb*O')SelectedMarital StatusMarital StatusImported from data source 'Excel Files'. Table: CRM Field: Marital Status Column type: Discrete Date of import: 2/10/01 12:45:13 PM  !"$(),./7:<>?@BC123456789:GHIOPQRSTUVWXYZ[\]^_`abcdefghlmopqstuv{|~     NSTVY4  #012=EHIJLMNOQRXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ !"01239:;<=    >?@ABCDEFGHI !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~JKLMOPQRUWXZ[\]^_`abcdefghijk    *+,-./0lmnopqrstu;<=>vJKLMN|}~ijknrwxyz}56&'(A)*DFG+K,-P./STUVW%&' !"78#$%&'( )*+-?@ABCDEFwxyz{3456#89$;% H        -r+p*o'=&9%8#/.,)($"! ;986543= 210?><:7K*G&F%D#A ONMLJIHECB@W6V5U4T3S2P/_#^"]!\ [ZYXRQo3n2m1l0k/j.i-h,g+f*e)d(c'b&a%`$C~B}A|@{?z>y=x<w;v:u9t8s7r6q5p4$QNMLKJIHGFED! ba`_^]\[ZYXW%$#"543210/.-,+*)('&,uCBA@?>=<;:9876?>7-}{zyxwHGFEDyvutq~MLKJIQPONMLKJ`_^]\[ZYX kba    UTSRQPON`_^]\[ZYXWV/.-,+*)('&%$#"! ?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~ } | { z yxwvutsrqpcba.-,+*)('&%$#"! :9870/lkjihgfedIHGFEDCBA@?>=<;mVUTSRQPONMLKJba`_^[ZYXWqponsrqponmzyxwvutsr<;:|{zyxwvut~}|{     TSR)l(j'i&h%g$f#e"W!V U/.-,+*?z>=<;0:987654321FEDC~B}A|@{NMLKJOIHG_^]\[ZYXWVUTSRQPnkjiomlhgfedcba`}zyxwr~|{vutsqpDCBA nmIHGFE@         qponmlkjihgfe%$#/1.0-.,++)*")!('&"t!s r8d7c65?>=<;:9321|0v4O2M1LKJIHGFEDCBA@N_h^g]f\e[dZcX]W\U6R5Q4P3YVTSonmlkjihgfe~d}clbkaj`i{zyxw~}|vutsrqp    TSRPOxws('dcVUH54H-zBn/an/a Ssingle Mmarried Ddivorced Wwidowed CColMarkerMarkersMarkersMarker strings for records.(O"Q;ST?UB4W$FYK6N\Q&S_:a[;](=)  f?+klmiopj r   x(yl- ."C%n)4D-89;r4G6?@A<>ADItKOOPRHUVWXY]_[]waghijklmbJ qesugzk{|no|#$t%vL'{)~-M23   !"#$%&')*+,/0123567:<=>BCDEFGHJKLMNPQRSTVWXZ\^_`cdfhijlmpqrsuwxyz|}  !#$&'(*+,-./01235789:;=?@BCEFGHIJLMNQSTUYZ[\^`abcdefnoprtvwxyz{}~ !#%'*,./01235789<>@ABEFIKNPRVXZ[]^`bcdefghkmopqsuvxy}~      !"&(*+,./01456789:<=>@ACDEGHIJLMOPRTUVWXYZ\^_`abcdeghijnqstuvwz{|}~H 0Z~     )"$&.(L)N+[- !#%'*,./46'::;@=M?Y01235789<>OCDGHJLM@ABEFIKNQS T UWY \+_9PRVXZ[]^a;ifjlln`bcdefghkmortwz{|pqsuvxy}~!#,6<GJOVx     & !"#$%&'()*+,1C-./0123456789:\qrwy;<=>?@ABCDEFGHIJKL M N O P QRSTUVWX#$%')- Y!Z"[&\(]*^+_,`.a/b; ?2"3$0c1d4e5f6g7h8i9j:k<l=m>nBFK&N*@oApCqDrEsGtHuIvJwLxMyOzQ-S/[=]BP{R|T}U~VWXYZ\^_fWk]l^m`og`abcdeghijnpjrnx{y}qstuvwz{|}~ ()*+,-./#%'0123456789: ;<=>?@ABCDEF"$GHIJKLMNOPQR357>?STUVWXYZ[\]DEFIK Q RU^_`a b c deehikfghijklmnopq m(|-.!r"s#t$u%v&w'x)y*z+{,|/}489;?0~123567:<=>@AIOBCDEFGHJKLMNUY[]PQRSTVWXZ\^_abegkno`cdfhijlmtv{~pqrsuwxyz|}  !%(248AHPST     X_abcd o p stu ! " #vz$%&'()*+,- "%)!.#/$0&1'2(3*4+5,6-7.8/946<>0:1;2<3=5>7?8@9A:B;C=D?EADKO@FBGCHEIFJGKHLIMJNLOMPNQPRVWX]_QRSSTTUUYVZW[X\Y^Zghijklm`[a\b]c^d_e`fanbocqsu|pdretfvgwhxiyjzk{l}m~nopqrstuvwxyz{|}~   n/an/a allrecordsnone2It is a selection column. Column type: Selection. SexSex|Imported from data source 'Excel Files'. Table: CRM Field: Sex Column type: Discrete Date of import: 2/10/01 12:45:13 PM !"#$'()*,-./0123456789:;>LRSTUVWYZ[\^_abcde     *+,-./0ABJKLMNOPZ[]^abcdfgijklmnortvwxyz}  0123456789:;<=>?@AEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefkmopquv !"&'()*+,-./0123456789:;<=>?@ABCDFGKLPSTUVWYZ[\]^_`abcdefgijklnoqrtvwxyz{}~     }~  {|~{ #$%| }~ E HIJMNOQRXhmp !s"u#$%&|'()*+,-./ghij !"#$%&'()l123456789:;<=>?@CDEFGHI%&QRST+UVWXYn\B_`CDr<=e?@ABCDEFGHIJKsMNOPQhtXwxyp]qz`sufghijklmnopqrstuvwxyz{|H}~   GHLM N RSTU[\]abcd!"&'()*+,-./ e#h$i%j0123456789:;<=>?@ABCDFGKLEHIJMNOPSTUVWYZ[\]^_QRX`abcdefgijklnohmqrtvwxyz{}~psu|         !"#$%&'()*+,-./0123456789:; < = > ? @ABGHIJKLMCDEFXY\_`ac !" # $ ' ( )*,-./%j&k+p0123456789:;> <=?L!@ABCDEFGHIJKMNOR"S#T$U%V&W'Y(Z)[*\+^,_-PQX]a.b/c0d1e2`fghijklmno3}I~Jpqrstuvwxyz{|456789:;<=OPQXfm>?@ABCDEFopqrtz}GHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      "$%&()**+,-./ +!,"-#.$/%0&1'2(3)401<2=3>4?5@6A7B8C9D:E;F<N=O>P?QABJKLMNO@RCUDVEWFZG[H]I^PZ[]^QlRmSnToUqVrWsXtYu\x_{abcdfgijklmno`|ehrtvwxyz}{Y|Z~_pqsuklnsuwxy{  789:;STbdefgh       KVW^g |   !"#$%&'()*+,-./0123456 7!8"9#:$;%<&='>(?)@*A+E,F-G.H/I0J1K2L3M4N5O6BzC}D~P7Q8R9S:T;U<V=W>X?Y@ZA[B\C]D^E_F`GaHbIcJdKeLfMkNmOoPgh!i#j'l6nvpQqRuSvT{`|v}~~rstwxyzUVWXYZ[\5wy]^_`abcdefghijiklmnopqrstuvwxyz{|HHG{n/an/a M F~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!  H     /.-,+*)('&%$#"! ?>=<;:9876543210OrNsMtLuKvJwIxHyGzF{E|D}C~BA@_b^c]d\e[fZgYhXiWjVkUlTmSnRoQpPqoRnSmTlUkVjWiXhYgZf[e\d]c^b_a``aB~C}D|E{FzGyHxIwJvKuLtMsNrOqPpQ23456789:;<=>?@A"#$%&'()*+,-./01 !          /.-,+*)('&%$#"! ?>=<;:9876543210OrNsMtLuKvJwIxHyGzF{E|D}C~BA@_b^c]d\e[fZgYhXiWjVkUlTmSnRoQpPqoRnSmTlUkVjWiXhYgZf[e\d]c^b_a``aB~C}D|E{FzGyHxIwJvKuLtMsNrOqPpQ23456789:;<=>?@A"#$%&'()*+,-./01 !          /.-,+*)('&%$#"! ?>=<;:9876543210OrNsMtLuKvJwIxHyGzF{E|D}C~BA@_b^c]d\e[fZgYhXiWjVkUlTmSnRoQpPqoRnSmTlUkVjWiXhYgZf[e\d]c^b_a``aB~C}D|E{FzGyHxIwJvKuLtMsNrOqPpQ23456789:;<=>?@A"#$%&'()*+,-./01 !          /.-,+*)('&%$#"! ?>=<;:9876543210OrNsMtLuKvJwIxHyGzF{E|D}C~BA@_b^c]d\e[fZgYhXiWjVkUlTmSnRoQpPqoRnSmTlUkVjWiXhYgZf[e\d]c^b_a``aB~C}D|E{FzGyHxIwJvKuLtMsNrOqPpQ23456789:;<=>?@A"#$%&'()*+,-./01 !     HHn/an/a Unselected Unselected SelectedSelected$$&')FMNumberNumber~Imported from data source 'Excel Files'. Table: CRM Field: Number Column type: Numeric Date of import: 2/10/01 12:45:13 PM>},JU*(A^5YLd T`3@soglHBY -KUfGA:QEhl830)}6cqyRP# ?{1_ N2$IST-71#X:ZQu+:X"  km@A/i~ !*E[P`afFuQy"b6w>Y$*&v$e0 4FaLN?GH 7']+{%|GCUqVc\zir2C.!;a1/W%Od^bV }&bnF9bg|`/x{KCrq im2/Jtnk~eW5K!p)lwx,~_c*lsmMTI3'-iPG@+v8%RznH ?C[,4'0Ze"-ox ,=s}R&vAHjLp<(5VU`N9MK\ D R04tX#Z4%zqM<^uj;ID_rjB j= ]S7(r ^nkTX_tONxE9J2fm{y=Dhf78?  F6$u#]|wO E)|=.P>.89QvW<o.Vz"kI \+)\pta@<SpM>3;oO;[Z~ h6g]B gws[dB1S:Lehcy&'DWd5(JY!H0@[ /p0  >p u .c\5(#{$ *'=.r/&,+ %&"C-H )!>8^3_6q1:7<?2095q492=<#;dAB8GMEUNH1FKJM @C3LhOI0DY=TPUP\VW_R(VrZS^XQ]~[`(abecUiZlmjgnfk-ojg}hd}j~zWwxsvaqur{y|tOpV:K.?AxXs4Qc~,*+>gP`Lil;@EFOV]%?M{bX3OemvG^yDH|%28@uYlFq{~>M9G^,N 7z .     k0*-"$%G!x/,6 N(p#.%+@)A&'5:Q0`2f347=S7?>89<S;m6x1APIEFN)G,CHeMKD@ROlBLJU QTRyPzX[]AVT^T_\=STZoWYdo2g4l5fJhXk`abimn*e?jcu|J{rqt~"z)sW}[pixw v yEp!*Yj}K O [f+Nil<DT/W Hrs\4>k1ek f}';}abrgIKv7Ey$;vy< ?m |(  + MhDw{:;-B)d+!&%/*'8,R#($.") 83)?~7160928%<m4;=>`:5JLH7KC@AF"GLCNONMIDEB^YT&ZQW[5R]UtX_]PV&\CScsia#bn`eljkmfo$hwgd}{uyqS~v!xLxtr|z(pIws]q1'4QKLIdo3avZo9bo:*JbGV3^Ze UjW$sz6fz':$uB"/6<FQ`tBn !    E /Z  DRS]' ,$#"/*+B!)'-&_ %.(2:>4 ?+;|1590<7=863c@-L&CkKI GH-AdDBNEJFO M\UH_SXQY VT PZ=\R^]W![nlYmfdbgnkcioJ`|jhaPes.quywwv{Cr\}|xpztu"~tIc56i2_g9t-hn,U#1Fa AX YnR_w#[h  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~n/an/aD@-@@@*@@@@@@V@@N@@Ȁ@@C@@@;@@@˹@@S@ܝ@g@/@ @@"@Z@@@@Ĕ@\@@@@@`j@ @@@@@X@t@q@Ė@@@g@@@@@@l@@n@ @(@C@{@k@ @D@,@@g@@ @@@ղ@\@p@ @y@z@L@@@t@J@@}@b@@@@@@.@&@`}@ڤ@l@@F@@@@@@8@@P@Z@D@@l@@x@Y@\@ѻ@ @p@q@ @Ҭ@@@@,@@#@!@@@ @@@@6@0@@|@k@H@@@x@F@@\@a@@@*@H@@r@5@@z@Y@ȅ@@@@@@h@@~@d@Q@С@@@@~@X@I@P@ؑ@Ƹ@@@ο@6@@@^@_@@@@z@Ƨ@@F@V@`y@K@,@@(@@ @@v@d@@s@@@@w@̙@@@@ʭ@ @6@:@ @خ@@I@º@̵@@(@@h@@!@q@@@@G@G@\@n@@@@ @`@@@@@@@@@@0@@G@@o@@@P~@T@@@@@ @ɼ@R@@Q@@@@@@H@@ȑ@0@d@ u@<@@ش@@@@C@Ư@f@@@Ϋ@"@#@@/@h@.@O@@t@@@@@@P@k@@@:@;@h@@e@j@1@@d@H@,@)@@@"@ҩ@1@@X@@@@@@@@t@e@V@@[@@D@@Z@@@ @ @@g@Ȥ@ @@@t@@ @؁@`@k@̼@@@l@@0@^@V@U@@@|@O@տ@}@ @@@@Ź@M@@Ē@@@@@6@@Q@ @@P@@c@@@,@@̴@h@@Ͼ@؋@@5@@@@x@ئ@@_@[@@a@@^@@޻@@ִ@@Σ@@@@R@q@@@@@@(@@ث@,@@ @@@@R@@=@z@m@@@@A@j@B@ұ@@@W@@@ª@Y@@@@v@`d@@'@G@@@@@@T@ @t@@ @@@@d@L@)@@@@*@@%@ @B@4@@@T@m@@@@x@@r@@1@֡@@M@@@0@;@Y@P@ @$@ @@@@0@\@P@@:@@@@@)@@T@@4@2@y@@R@@@Ĝ@o@@@@@i@@ا@l@@p@E@h@d@؅@6@@6@L@ҳ@}@@I@t@H@@{@@ @z@Ҽ@@@>@V@@.@'@@@(@@$@@Y@@r@@@@.@@@@z@@v@l@t@l@@J@4@@@k@(@@$@B@@@X@@e@@@@K@l@@\@r@J@@@v@l@ @@r@*@8@}@@@F@@@a@@k@w@@w@h@Y@P@ @@@_@@4@2@~@ε@؛@@@@@k@K@@@*@Ј@p@@x@@@ @j@@t@ި@@@Y@@@M@s@@@@@p@Р@ @{@`@<@N@@@W@.@@@@@p@`@h@(@Ф@@֦@@=@}@F@n@Pt@@>@@@@@κ@@{@2@@:@@@@J@@ @@:@{@@A@@9@@D@B@Q@ȃ@/@[@@@@@{@֨@w@@І@@@@@z@ʧ@@(@@@|@@!@P@@@+@@@@Pu@ @F@k@ޣ@a@@@@c@ڿ@@&@@h@@@@@ݰ@@К@@Ӵ@@P@4@@@@J@e@Z@(@S@@*@ʡ@H@X@@@@p@`@@@@n@@@@@̩@`@.@@@@@ @P@@@@@b@@z@޿@F@@.@H@r@@@S@@@@@@@λ@@@]@@<@°@@@@*@"@һ@7@p@@6@#@;@L@"@@i@z@@|@F@@@.@@@@\@@@@@,@@m@@8@@@L@@x@@N@Ǽ@w@@@ױ@@8@6@@@t@l@@j@i@Ț@@@@@ٿ@y@ @ @@˸@B@@w@@@@d@@@@@?@ܙ@X@@@@@@Z@~@@@@@(@@Number of ChildrenNumber of ChildrenImported from data source 'Excel Files'. Table: CRM Field: Number of Children Column type: Numeric Date of import: 2/10/01 12:45:13 PM4321yxwVW]`3456789:;<Y>?@ABCDEVTHIJKLMNOPQRSTUVWSYZ[\]^_`abcdefgN/.-,+*)( '&%$#      {vtohgfedcba`_^]\[ZIH !"zGFEDCBA@ !"#$?:98765$%&'()*+,-./noqrtvwxyz{,-./01234567>LNnopqrstuvwxyz{     *+,-./0JKLMNOPQSTUVWXYijklm56789;<?@AMOPQRUWX`abcdef;ZR[K<|}~\opq]^_= ?YJU:98+TSR*)('& nOMKlkjiJIH@IABHGFEL!r%:=>GCFDEwxyz }  $ ("#%&')h;<=> XGF=pqsu{|~ghijklmnrstuv210#|}~klmjihgfedcba_^\[ZX~}|usQPpm01234DCB"! Hnoqrtvwx y z { 8 P%M !"$,%-&.'/(0)1*2+3,4-5.6/7#T33445566778899::;;<<>>??=2Q1R0S@@AABBCCDDEEHHIIJJKKLLMMNNOOGFPPQQRRSSTTUUVVWWYYZZ[[\\]]^^__X``aabbccddeeffggn9o:lkjihmq;r<t=v>w?x@yAzB{C~}|uspD "#$()*+x|EFGHIJKLMNOPQRSTefgbcevKXYbcd!DEF_)>JVWX[\]^`wx%UVWXYZ[       !!""##$$,\-].^/_+|*)('&%0`1a2b3c4d5e6f7g>h;&<1=O?Y:y9z8{LiNjOMKJIH@ABGFECDVW]%YdUuTSR_^\[ZXQP`(nkolkylzm{j~ihgfedcbapmqnrosptqurvswtxuyvzw{xy|6}7~8./012z{=>BCH-|}~JQRSTU !"#$&')*+,Zghijklmnopqrst}~          *+,-./ !$(" # % & ' )4321?%:&9'8(7)6*5+0;<=>IHG F E D C BA@JKLMNO_^]\[ZPQSTUVWXYR,ohgfedcba`ijklmnvtrwxyz}p&q's(u*{+|,~-56I89:;<=?@aABCDEFGHIZ[\]^_`almnopqr     stuvw23459@AN/i.j-k,l+m*p)s(u'|&}%~$#"! 56789;<?:=>01234Nh@AMOK0JfIHLGFEDCBY=VFTGSXPQRUWXZ'[-\:]G^K_L`abc d e f o;g.h/i0j1k2l3m4n7yxw{zp<q?rLsMtNuOvP|U}V~Whijk  !"#$./}8n/an/a?@@@@@@@@@@@@@@@@@@@@@@??@??@?@??????@@@@@@@@@@@@@?@@@@????????????@@@@??@??@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@???????@@@@@@@@@@@@@@@????????????@@@@@@?@@@@@@@@@@@@@?@?@@@@@@@@@@@@@@@@@@@@@@@@@@@??????????????@@@?@@@??@@@@@@@@@@??@@@@@@@@?@?@@@@@@@@@@@@@@?@@@@@@@@@@@@??????@@@??@@@???????@@@@@@@@@@@@@@@@?????????????????????????@@@@@@@@@@@@@???????@@@@????????@????????????@@@@@@@@@@@@@@@???????@@?@@@@@@???@@@@@@@@@@@@@?????????????@@@@@@@@@@@@@@?????????????????????@@@@@@@@@@@@@@@@@@@@@@@@???@@@@@@@@@@@@@@@@@@?????@??@@???@@@@@@@@@@@????????@@@@@@???????@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@?????????@@@@@??@@@@@@@@@@@@@@@@???????@-/%rating of customer service (discrete)%rating of customer service (discrete)CCreated from converting numeric to discrete. Column type: DiscreteCColDerivNumToDisc{  CNumInterval??1@@2@@3@@4@ffffff@5@ffffff@6@ffffff@7 @333333 @8"@333333"@9$@333333$@10%EXGF$#& 43210HIJYZ[\]^_`abcdefghvuOxwnm    lk'()A @?>=<;:98765ijkl{zyKLMN+mPQR~}| !" #$f%&'*+,-()edcba`IHGFEDCB*./0123456789:;STUVn,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ !"#$%&'()*+,-./0123456789:;<=>     JKLghijopqrstEDCBA@ONMLxy?oMNOPQRSTUVWXYpqrstu~}|{zvw PKJIHGFA@?>=<   B !"#$%&'()*+,-./"! Z[\]^_WDCQRSTUVWXYZ[\]^_`abcdefghijklm~}|xyznopqrs{t uvwH   ?@B C F G z{|}~no%$#&A'()*d+e,f-g./"d!e f0123456789:;? > = <EGFHSITJUOmKLMNA @ BIDsCtX YVZW[X\Y]Z^[_\PQRSTUVWr`]a^b_c`daebfcgdheijklm nohxypqrstu~}|{zvw &'()*+,ij()*+,?@ABCDEFGHIJKLMNOPQRSTDEy  6 7 8 R-+ .!/"0#U$V%a&b'c(h)i*x,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ 45 !"#$%&/0123 "#$%&'     m/0123456789:;<=>rstuvwxyz{|}~     123456789:;<=> !" #!$"%#&$'%(&)'*(+),*-+.,/-0.1/2031425364758697:8;9<:=;><?EDCBA@ONMLKJIHGFPQuRvSwTxUyVzW{X|Y}Z~[\]^_`abcdefghijklmno~}|xyzpqrs{tuvw.=>?@ABCDEFGHI!"#$%kl   ]^_'()*+,-.JKL-MNOPQ MNOPQRSTUVWXYZ[\] ^ _ ` a bc{|}~JKLMNOPQRS T!U"V#W$X%Y&Z'[(\)]*^+_,`-a.b/c4H3I2J1K0L?>=<;:98765A@IpHqGrFsEtDuCvBwJdKeLfMNOPQRSTUVWXYZg[h\i]j^k_lnpmqlkf`ejdkclbman`ogghhiijjokvfugxnwo{zy~}|!plqmrnsotpqrstuvw9:;<=>?@ABCDXYZ[\EFGHWxyzpq  H H !Bq0n/an/a 1T  2  3  4  5  6  7ߠ` 8  9  {|"rating of product range (discrete)"rating of product range (discrete)CCreated from converting numeric to discrete. Column type: Discrete| ??1@@2@@3@ffffff@4@ffffff@5@ffffff@6@ffffff@7 @333333 @8"@333333"@9$@333333$@10&@(@ Category 1N<A96ZMJ1lW=VW8:30\XUSK9rDPpSTUJFEDCKA@?*mlkjihgfONMLBJIHGFEDCBA@?>=<;sonm_^[LGEC?:5LKI  ./012<=>BCijklPQRSi278@BHOPTY]kqtuv;4kjYXWVUTSRQN    |%}~+,-./0MTUVW34VRQLKF>X -,+*  !"#$%&'()Z[\]^_`abcdefghmhgfedcba`)_^]('\[ZYX&$#"D!A@?:ghij98765 !    o yxwnRQONM%JIH7GFE49:;<=>876543GHI21OP !;"`abcdef#$6lmnopqrstuvwxyz{|}~5,-Yz.{{zyx/0wvu1t23srqnp(cb]     )~}|{zyxa\[Z`&~}|wvut_sr^qpe'*do+-.'()*/+"#$%&,H     J]`. ./-,+*)w({'|&$#"!%012<=>34?:98765;KCLBCDA@ONMJIHGFEVWPGSJTKUL_x^y]z\}[~ZYXRQijklmdhegffgehdicjbkau`vnGo~r}s|t{uzvywxxwvutsrqp9:QR;BCDE 56:<ptuxvw!]^ijkl     LMPQ% !"#$,-."/+(N)o&'*+8:9D?>=<;74650,112334KSOvNwMxLyJ{I|H}G~FEDCBA@PQRSTUVWXY]W\[Z_^mnlokpjqirhsgtfuoncObRa`edm{'z(y)x*w-v/u0t2s5r6q7pK~}|&')*+kl{$%&|}~#$%ghijzSTXYZ[\pqycdef]^_`abmZ[\A  XY    IJ VWXYZfghij k l m n  !"#$%&'()*+,-.*W+,-./ /!0"1#2$3%4&5'6(7)8?V09:;<=>87654321JMFNEODQCRAT@UBzLKNeMGHIOY\X]W^V_U`TaSbRcQdZ;[<\=]>^?_@PikTj[`AaBbCcDdEeFfGgHhIlmnopqrstuvwxyz{|}~9KLM     {78NOPnUV56789:;<=>?@Bsy|}~STUVWXYZ[\3LMNOQRSUoqr^./012@FGHK_abc89:;<=@ABCDEF_`ab c d e f gh?lmnopqrstHIJ !-.'()*/+"#$%&,<961=30?:5278;=4>>NAMJDFGECI@BHOLKFZW\ X-U4SA_^[PTY ]!VRQl onmk"ghij`abcdefrEpIsq#t$u%v&|z}~yxwz {#'()*+,-  ./0P "H123>?  !(,P4   H NVJI(H 7znan/an/a 7 5 8 6 3 4 9@ 10 2 reason to defect (labelled)reason to defectCreated from expression 'if("Reason to Switch"='1','insuffBranch', if("Reason to Switch"='2','insuffATM', if("Reason to Switch"='3','poorFacilities', if("Reason to Switch"='4','poorRates', if("Reason to Switch"='5','poorService', if("Reason to Switch"='6','longHours', if("Reason to Switch"='7','longQueues', if("Reason to Switch"='8','unlikely','invalidReason'))))))))'. Column type: DiscreteReason to defectLikely Reason to SwitchImported from data source 'Excel Files'. Table: CRM Field: Likely Reason to Switch Column type: Discrete Date of import: 2/10/01 12:45:13 PMk5l4321!"#$$mn:9 87 6STUYXYZ[\]^_`abcdeWVUTSRQNMpsu0/.-,|}~7+)('&%$# 889:;<=n?@ABCDEFGHIJKkMjOR}zyxwr 56"!     o~JKLs|{!qpvut""!  %(),-./01234567>LNPQ,Xnopqrstuvwxyz{./7:<>?@BC*?@ABCDEFGHIJKLiDCB~}|TS345N;WKUlkjiSTP_^]\ml[ZYkjihgfVV    mpohtsrq     jihgURQPOMFG#LXWX  I%012=YZ[\]^_`abcdefgn&'()*+VW|}~ OPlm01234EFGH`abcdefuvwxyz{qoR9:;<=>?@AQONMhgfedcba`JIHEDA9_^]\[Z>=<;86-+*'&{zyxwv#$%&'()*+,-./trH  $ %Ccg lstx  $r !"UVW !#$!" X(Z)[,m.}/~#%-w+x*y'z&{7:<>?345;012=9f8u6v@BCKFGLOFNGMHJ`IaHbEcDdAeWUSTP V"XYZ[\]^_R4QElkjim6h=`abcdefgno3pSsTuU|[}\~]q2{zyxwvtr!ij#"$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPY[qvzW 2 3 57AMNPTV  o! "#$ %Y,\-].^/_&'()*+89:;<=?0`1a2b3c4d5e6f7g>h@ABCDEFGHIJKMOLiNjS-T.U/Y3Z4[5\6]7^8_9RPkQlXnVW`:a;b<c=d>e?noopmlkjihgfpqqrrssttuuvvwwxxyyzz{{||}~@ABDEFGvnpqU489>?QRS\]qrst|}~{|}     /W.X-Y,Z+_)`(a'b&d%f$h#k"! *54321:98 7#6&0V?>m=n<o;pNOMP@ABCDEFGHIJKLOY1X2WHVIUJTKSLRMQNP_g^h]i\j[kZlnkjoilmhWgXfYeZd[c\b]a^`_}zyxwr~s|{qpv u tlmnrwRSTUVBC8BCDIJKLMNOPQDEFGHIJKL67Ruw{}~'()*+,@    5p%&):oxy     Z a b c d ef   "! #$%&'()*+,-./7^8m560123499::;;<<==>>??JKLDCBNO~MIE F!G"H#@@AATS_^]\[ZYVUkRsQtPuXWklmno<jgihhigj`$a%b&c'd(e)f*~}|p;tXs^r_q`u+v,w-x.y/z0{1   *+,QRST'(e-./010Q|OyzHkSIqH- _n/an/a 1 insuffBranch 6 inconvHours 2 insuffATM 5 poorService 3poorFacilities 7 longQueues 4 poorRates 8unlikely_if("Reason to defect"='1','insuffBranch', if("Reason to defect"='2','insuffATM', if("Reason to defect"='3','poorFacilities', if("Reason to defect"='4','poorRates', if("Reason to defect"='5','poorService', if("Reason to defect"='6','longHours', if("Reason to defect"='7','longQueues', if("Reason to defect"='8','unlikely','invalidReason'))))))))KJ~|{vutsqpo!"L87654321$#"!  nmlk$:9 psu|}~89:;<=?@ABCDEFGHIJKMORSTUYZ[\]^_`abcde     !"#$%&'()+,-./0MNQRSTUVWXYjknrwxyz}5678vwxyz{=)*+1|}OP012ml~234`abcdefn0EFgfe&GHI'dcba`_^]\VW([ZY% uK345VfWVSSYZ[N\]^_PT|}~ghijklm;TUl kji%,-./01234567>BCDLNPQXnopqrstuvwxyz{*CB@?><:?@ABCDEFGHIJKLi7/.,)(  !"L   WURQPOMF#  XtsrGqhjihmpo   g  X<;>=<;A:9-+*DEI'&oqrtvwxyz{HRJQNOA@?>=#$&'()*+,`abcdefgh-._^/98M6]\[Z%H3 4 5AMNOP Q RST/ U FGHJuv!"$B%l/m.n,o)p(q t#-G+H*I'[&\=061728345;?N>O<P:Q7c986KCKBL@MLFGADDVEWIZH|J~NOM_b^c]d\e[iZjYkWVSPTUXR}QnNgTfUeVd]c^b_a``alkjihmog2pVsWuX|Y}Z~[qhritjvkwlxmynzo{p01\]LM}yz/~^_`abcdefghijklmnopqrstu,^vwxyz{|}~     .#$%&'()*+,<W$)#*"+!, -)*+!&X'\(h%,-./89:;<=?01234567>@ABCDEFGHIJKMOLNRSTUYZ[\]^_VfWgPQX `abcdefghijklmn o |-}.~;p qrstuvwxyz{@ (!"#$%&'(Kfqrstuvwx{)*+,-./01234e56789:abcdSTUXY]_`;<=>?@AvwxyBCDE    z{|}  !"#$%&'()+,-./*I8 7!6"5#4$3%2&1':K9L0?R>@=A<B;CMNO0@SATBUCVDWEXFYGZH[I\J]K^L_QRSTUVWXYP1_^]\[Zo jknm9l:i``abcdefgh~|{vuts q p rwxyz}   k !2345672345l"#$%&'()*9: CDEFGHIJ~0JKLMNOPQR+ mnopqrrswxyz{|     . /BHJOPstu !"#$&'()*+,-./%56781"2=3>4?0Q<8;;:E9F?>=KJLERFSGYHZI[NBCDOMA@VSYZ[\]^_TWURQPX1n=m>l?k@`AaCbDcEdFeGfIjihog-vwxyz{u|}~tsrqp6789:;<<=>?abdefghij      H%8KH_- n/an/a insuffBranch longHours insuffATM poorService poorFacilities longQueues poorRates@ unlikelyvaluable customers Selection 22It is a selection column. Column type: Selection. *  !"#$%&'()*+,-./06789:<=>?@ABCDEFGHIJLMNOQRXYZ[\]^_`bcdefglmnopqrstuvwxyz{|}~     !"#$,-./34568:=@BDEHKMQTVX[]_`fhjnpqtuvwxyz{|  !"#$%&'0123456789:=ABCGHIOPRSTUVWXYZ_`abcdegjkmnsx  !$(,-012356789:;<>?@EJLMNSTUVYghmotuwx}~|{zyvsrqpnlkjifedcba`_^]\[ZXWRQPOKIHGFDCBA=4/.+*)'&%#"    ~}|{zywvutrqpolihf^]\[QNMLKJFED@?><;/.-,+*)(    ~}sromlkigedcba^\ZYWUSRPONLJIGFCA?><;97210+*)('&% kjihaWVUTSPK;54321 H  /).(-',&+%*$)#("'!& %$#"! ?3>2=1<0;:/9.8-7,6+543210*OBNAM@L?KJ>I=H<G;F:E9D8C7B6A5@4_L^K]J\I[HZGYFXEWVUTSRDQCPoWnVmUlTkjihgSfReQdPcObNa`Mg~f}e|d{czbyax`w_v^u]t\s[rZqYpXrqponmlkjih|{zyxwvuts~}     ~/.-,+w*x)y(z'{&|%}$#"! ?n>o=<p;q:9r87s65432t1u0vOeNfMLgKJhIiHGjFkEDClBAm@_^\]\][Z^Y_XW`VUaTSbRcQPdoQnmRlSkTjiUhgVfeWdXcYbZa[`L~M}N| {zyxwvutsOrPqpCDEFGHI JK   789:;<=>?@AB#"! 6*+,'-&./%012345$0#$%/.-,+&*)('()=<; :98!7654321"FEDCBA@?>QPONMLKJIHGYX W     V UTSRihgfedcba`_^]\[Z/.-,+*) ( 'p&o%n$m#l"k!j  ?>=|<;:{9z8y7x6w5v4u3t2s1r0qONMLKJIHGFEDCB~A}@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqp     |}~/r.s-,+t*u)v('w&x%y$#z"{! ?>=p<;:987654q3210OfNMLKgJIhHiGjFkEDlCmBnAo@_[^\]]\^[_Z`YXaWbVUTSRcQdPeonOmlPkQjRiShgfTeUdVcWbXaY`ZE~}|F{GzHyIxwvJutsKrLqMpN89:;<=>?@ABCD-. / 01234567#$%&  '()*+ , !"HHn/an/a Unselected Unselected SelectedSelected>0@Gx֭V ~Gp q|x@99O=U ދ^O}CDistributionCondition&>0@Gx֭V ~Gp q|x@99O=U ދ^O}'*&'*&>0@Gx֭V ~Gp q|x@99O=U ދ^O}'*CDoubleIntervalTdlH@Hf'X@*@@J@&'*&'*likely defectorlikely defector (labelled)jCreated from the expression 'if("likely defectors"='Selected','defector','loyal')'. Column type: Discretey4if("likely defectors"='Selected','defector','loyal')!"#$%&'()*+,-./4;>FJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijopqrstwxyz{|}~  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJMNOQRSTUVWXYZ[\]^_`abcdefghmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~       GHIuvk0123l567KL89P:m<=n?@ABCDEijklHz{|} ~  JKO UVX !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJMNOKLQRSTUVWXYZ[\]^_P`abcdefghmnoijklpqrstuvwxyz{|}~T[`efghi      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefgh i j k l mnopqrs t!u"v#w$x%y&z'{(|)}*~+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~k      !"#$%&'()*+,-./01234LMN56789:;<=>?@PQRSABCDEFGHI J K L M NOPQRSTUVWXYZ[\]^_` a!b"c#d$e%f&g'h(i)j*k+l,m-n.o/p0q1r2s3t4u5v6w7x8y9z:{;|<}=~>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~WYZ\]^_      !"#$%&'(jl)*+,-./01 2 3 4 5 6789:;<=>?@ABCDEFGH!"#$%&'( ) * + , -./ I4;>0|1}2~356789:<=?FJKLMNOGbHcId@ABCDEPQRSTU V!W"X#Y$Z%[&\'](^)_*`+a,b-c.d/e0f1g2h3i4j5o6k{lmnp7q8r9s:t;w<x=y>z?{@|A}B~CDurvsEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghamnopqtuvwxzijklmnopqrstuvwyxyHHJxn/an/a loyal defector no selection no selection2It is a selection column. Column type: Selection.   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~H //..--,,++**))((''&&%%$$##""!! ??>>==<<;;::99887766554433221100OONNMMLLKKJJIIHHGGFFEEDDCCBBAA@@__^^]]\\[[ZZYYXXWWVVUUTTSSRRQQPPoonnmmllkkjjiihhggffeeddccbbaa``~~}}||{{zzyyxxwwvvuuttssrrqqpp          //..--,,++**))((''&&%%$$##""!!  ??>>==<<;;::99887766554433221100OONNMMLLKKJJIIHHGGFFEEDDCCBBAA@@__^^]]\\[[ZZYYXXWWVVUUTTSSRRQQPPoonnmmllkkjjiihhggffeeddccbbaa``~~}}||{{zzyyxxwwvvuuttssrrqqpp          //..--,,++**))((''&&%%$$##""!!  ??>>==<<;;::99887766554433221100OONNMMLLKKJJIIHHGGFFEEDDCCBBAA@@__^^]]\\[[ZZYYXXWWVVUUTTSSRRQQPPoonnmmllkkjjiihhggffeeddccbbaa``~~}}||{{zzyyxxwwvvuuttssrrqqpp          //..--,,++**))((''&&%%$$##""!!  ??>>==<<;;::99887766554433221100OONNMMLLKKJJIIHHGGFFEEDDCCBBAA@@__^^]]\\[[ZZYYXXWWVVUUTTSSRRQQPPoonnmmllkkjjiihhggffeeddccbbaa``~~}}||{{zzyyxxwwvvuuttssrrqqppHHn/an/a Unselected Unselected SelectedSelected training set training set2It is a selection column. Column type: Selection.   !"#')*+,.345678<=>?@EHJLMOQRVWXZ]_bcdhlnoqrtwx{}~   !"#$%&'(-./03568:;>EJKPRVW[\^_`cefijnqrstuvwxy|}~  &'(),-/0124578:;=BCDFGJOSTUY\^aeghklmpqrstuwxy{}~   #$%(),-.01257=?BDEGHOPRSTVYZ[\]^`defijklnoqrsuwxy~}|{zvtpmhgcba_XWUQNMLKJIFCA@><;:98643/+*'&"!   |zvonjifdcb`_][ZXWVRQPNMLKIHEA@?><963.+*%$#"!    {zpomlkhgdba]ZYXUTSQONMLIHGFDCBA@?=<97421,+*)   |zyvuspmkjigfea`^\[YUTSPNKIGFDCBA;:9210/-(&%$ H       /.-,+*)('&%$#"! ?'>&=%<$;:98#7"6!5 43210O.NM-L,KJ+IH*GFE)DCBA@(_6^]5\[Z4YX3W2V1UTSR0Q/Po=n<ml;kjih:gfed9c8b7a`~E}D|{CzyxBwAvut@sr?q>p}JI~HGFvSwxyRQPONz{M|LKmnZopqYXrstWVUTucbfa`_^gh]ij\kl[kj^_i`habgcfdedeVsrWXYZ[\q]ponml{zyNxwvOPQRSuTtUDEF~GH}IJKL|M<    = >?@ABC56789:;/.-,0+1*2)3('&%$#"! 4?(>=)<*;:9+87,654-32.1/0ONMLKJIH G!F"ED#C$B%A&@'_^]\[ZYXWVUTSRQPo nm l k jihgfedcba`~}|{zyxwvutsrqp           /!.- ,+*)('&%$#"! ?>=+<;*:)98(7'65&4%32$1#0"O2NMLKJ1IHG0F/ED.C-B,A@_^8]\7[ZY6XWVU5T4S3RQPonm?l>k=jih<g;fe:dcba9`~K}J|{IzyHxGwFvuEtDsCrBqAp@SRQPONML|Y}~XWVUTr_st^uv]w\[xyz{Zijfekldcmnopbqa`nmabcdelfkjighgh[xw\vu]^t_`srqpoST~}|UV{zWXYZyJKLMNOPQR@A B C D  EFGHI:;<=>?/3.-,+4*5)('6&7%$#"8!9 ?>*=<+;,:-9.8/76054132210ON M!L"K#J$I%HGF&EDC'BA(@)_^]\[ZYXWVUTSRQPonmlkjihgfedcba` ~}|{zyxwvutsrqp    HHn/an/a Unselected Unselected SelectedSelected* /pJ9Z.i4ܶ!5FM:' IU*)p`AEYOGK?LH#{ǭ]@S̉>`ٕMƌX_K~!QFLհ$$&* /pJ9Z.i4ܶ!5FM:' IU*)p`AEYOGK?LH#{ǭ]@S̉>`ٕMƌX_K~!QFLհ')trainpredicted defecfors (tree)predicted defecfors (tree)*Created from model. Column type: DiscreteCColDerivModel rsHg- CModelDecTree CModelpredicted defectors (tree)CModelInputDecTree CModelInput rs Ji/ CModelDataDecTree CModelDataIT"g?+@CID3CLearningInterface  CAttributeAge$@@Q@Avg monthly balance @0D@Avg monthly transactions?@Incomec@t@r12345 Income Groupu<7~u<7sDMSWMarital Statusu<7~u<7Number of Children@FMSexu<7~u<7JCJSPCPS Account Typeu<7~u<7 1234 Educationu<7~u<7J1234 Home Locationu<7~u<7i 110111223456789Occupation Typeu<7~u<7/H*?defectorloyallikely defectoru<7~u<7loyaldefector CDecTreeNode ?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????y@O@  ?????????????????1@!  4????????????????????????????????????????????????????F@@   ???????????@@  ???????@C@$  ????@C@$#  ??@#  ????????????????????????????????@#  ???????? @#!  2??????????????????????????????????????????????????B@,@  (????????????????????????????????????????A@@@   ?????????@@  ???????@|@,  ??@|@,+  ??????@+  ??????????????,@+  ?????@@  ??@K@1  ????@K@1+  ??????@?+*  ???????????"@@*!  %?????????????????????????????????????B@?!  0????????????????????????????????????????????????D@ @  ???@7  )?????????????????????????????????????????B@@   ???????@?9   ????????????????0@9   ??????????$@9    ????????@@    ?????@@=    ???@@=9 7  ????@7!  ?????????????????????????????:@@  ??????????????????????????:@0@A  ???@0@A!  2??????????????????????????????????????????????????E@@  ??D  ????????????????????????????<@D   ????????????@@   ?????????@@B@  ?????@K@H  ????@@K@HG  ???@B@GD  ?????????"@D !  4????????????????????????????????????????????????????H@@  ?????????????????*@@=@  ??N  ???????? @N  ????????@@  ????@Q  ????Q  ??@QNM  #???????????????????????????????????A@=@M!  ??????????????????????????:@!  %?????????????????????????????????????8@*@   ????????????????0@W   ???????????????????@*@   ???@Y   ??@Y    ?????????????&@Y   ??@YW  ??@W!  )?????????????????????????????????????????B@@    ??????@@   ????@S@`   ??@S@`_  ??_  ??????????????,@_  ???????????????????2@?_  ??_!  "??????????????????????????????????@@? ! Mb`??;L]n@+@ CTrainingSettrainY@CTestSetY@loyaldefector?0Hit column of 'predicted defectors (tree)' model0Hit column of 'predicted defectors (tree)' modelThis column shows the goodness of estimation. If the estimation is good, the hit value assigned to the column is 1, otherwise 0. Column type: NumericCColDerivModelHitkj *HGE7582nlkV10  !"#')+,.34567<=>?@EHJLMOQRWXZ]_bcdhlnoqrtwx{}~   !"#$%&'(-./03568:;>EJKPRVW[\^_`cefijnqrstuvwxy|}~  &'(),-/0124578:;=BCDFGJOSTUY\^aeghklmpqrstuwxy{}~   #$%(),-.=?BDOPRSTVYZ[\]^`defijoqrsuwxy~h   m p !"#K$%NtP  STUI *Y+[\^`a.efgvijkm3p6suvz9yz|{<G>?@A|}EHIKLMN!PQR"VWXZ[&]'_`bcdf*+ijno/%$34v6z8  |9:FD;<> @A)*+,124C79<=F?@ABCDFGHILMNOQSTUIXYZ]JabKdLghklmMopNQz{UWX_ab9210/-cCB(&Ag;:H &'() * + ,- M./01234#+* 5!6"7#8'9):+;,<.=%$/-(&83>4?5@6A7B<C=D>E?F9210;:@GEHHIJJLKMLOMK$N'I/GcFDCBAV#QNROWPXQZR]S_TP)S,T-U.Y2[4\5^7bUcVdWhXlYnZo[`9a:e>f?g@iBjCkDmFq\r]t^w_x`{a}b~cpIsLuNvOyRzS|UX!defgYZ[]^_`abehhijklmnopkmntuvxqrstuvwy~xyz{|}~      !"#$%&'(-./ )*+,03568:;>1 2 4 79<=?EJK@ABCDFG H!I"L%M&N'O(PRVW[\^_Q*S,T-U.X1Y2Z3]6`cefijna:b;d=g@hAkDlEmFoHqrstuvwxy|}~pIzS{TY\_acegjlnstwxy|~      !"# $ %&'      ()*+,-./0&1'2(3)4,5-6/7  !!""##$%%&*1+3.;08192:4;5<7=8>:?;@=A3G6K9Q<W>d?fBBCCDDFEGFJGOH@gAiEpHsIwK{L|M}NSITJUKYL\M^NPQRVWXZ[]_aOePgQhRkSlTmU`bcdfijnopVqWrXsYtZu[w\x]y^{_}`~avz|bcdefghijklmno  $)/pqrstu4578>BCJKMvwxyz{|PRUVW[]bd}~fkquvz{}       * + 068<HT\jq #$%(),-.!"&'*+/7521$0%=?34689:;<>HG EBDO@ACFI0J9K<L?MGNLPRSTVYZ[\]^QQU`WiXm_nlk"`defijohm abcgqrsuwxy~pt(vAzP{V|l}ozNOXZ^hpr=EroJ&n/an/a????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????0Hit column of 'predicted defectors (tree)' modelThis column shows the goodness of estimation. If the estimation is good, the hit value assigned to the column is 1, otherwise 0. Column type: Numeric2Score column of 'predicted defectors (tree)' model2Score column of 'predicted defectors (tree)' modelThis column shows the accuracy of estimation. The score value assigned to the column is between 0 and 1. A higher value indicates more accurate estimation. Column type: NumericCColDerivModelScorekm210~nlk=?HGE.-,)(%$#R ZOP^J][\.-$# " g!h&'()S\^aeeYc_^\[6V53T0/  !"#')*+,.345678<=>?@EHJLMOQRVWXZ]_bcdhlnoqrtwx{}~   %&'(8:;>EJKPRVW`fijnqrstuvwxy|}~  ,-/0124578:;=BCDFGOSTUYklmpqrstuwxy{}~  57BD`defijoqrsuwxyP34689   :;<N>K@AC !"#$%*+IF.GFIJ3KL6MN9DC<Q>?@ABA;EU:HIKLMNWPQRX92VWX1Z[]_`bcdfij0/-no_abcvgzh| (&m%ptvz{|}$  | )*+,1247z9<=?@ABCDFGHIyLMNOQSTUXYZ]abdghklmopz{vu   spmkjigf!"ea`&'^\*+[YU/TSH W Yh w ~kx !"#')*+,./l-m(&%$345678<=>?;D:G9T2U1Y0k@EHJLMONKI,G/F0D:C;BBACQRVWXZ]_P^\[YUTSbcdhlnom}kjigfea`qrtwx{}~|zy#v`uiszp{\^aegh&'()JXfv4578<>  IJOPG_     ]^.R-S$T#U"X![/%& ' (  )*+,6x5{3|0~8 : ;>1 2 4 79<=?EJK@ABCDFG H!I"L%M&N'O(_t^u\v[wPRVWQ*S,T-U.X1Y2Z3]6eqcs`fijna:b;d=g@hAkDlEmFoHFqrstu v!w"x#y$|%}&~'pIzS{Tl()*+,-./Y\_acegk01234567jlnstwx89:;<=>?@y|~jABCDEFGH:<iIJKLMNOPQgRSTUVWXYZ[\]^_` a bcd      `aefghijk&b'c(d)e,l-m/n  !!""##$$%%**++..0o1p2q4r5s7t8u:v;w=x336699<<>>??JDByCzD{F|G}O~@@AAEEHHIIKKLLMMNN\m^nSTUYPPQQRRVVWWXXZZ[[]]__gZh\aoepklm``bbccddffiijjnnoopqrstuwxy{}~vvzz||H$%&'(+ !"#/09CGKLMOQV =? Z[]^d m o pqr79Vzu.--.,/)0(1%2$3#4 !"&'*+/210=?5734689: ; <>H)G*E,OABD@ACF-I1J2K4L5M7N8R6Z@PB^C]K[L\MSfYrVyT}Q=UFWOXS_pn l k `defijoarbsctgyh{m~qrsuwxyptvz{|} $)+E?BNPRWbh ;Qqu}5NJU8>  5Rn/an/a??*Y7"?????*Y7"?*Y7"?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????*Y7"?*Y7"????????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"????????????*Y7"?*Y7"?*Y7"?*Y7"??*Y7"?*Y7"?????????????????????????*Y7"??????????*Y7"?????????????????*Y7"???????*Y7"???????????*Y7"????UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU????????????????????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?????????????????????????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"??????????????????????????????????????????? 5P? 5P??? 5P? 5P? 5P? 5P? 5P? 5P? 5P? 5P? 5P?UUUUUU??????????????????????????*Y7"?*Y7"?????۶m۶m?۶m۶m?۶m۶m?۶m۶m?? 5P? 5P? 5P? 5P? 5P? 5P? 5P? 5P?????????? 5P? 5P? 5P????*Y7"?*Y7"?*Y7"?*Y7"????????????۶m۶m?۶m۶m?۶m۶m??????????????????????????????????????????2Score column of 'predicted defectors (tree)' modelThis column shows the accuracy of estimation. The score value assigned to the column is between 0 and 1. A higher value indicates more accurate estimation. Column type: NumericMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstwxyz{|}~  !"#$%&'()+,-./012345679:;<=>?@ABCDEFGHIJMNOQRSTUWXYZ[\]^_`abcdefghmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123457EFGHIJKL u6 v89:;<=>?@ABCD*8KLPVijklHnopqr s t uW ] abcvwxyz{|}~ !"#$%&'()+,-./*~012345679:;<=>?8@ABCDEFGHIJMNOKLQRSTUWXYZ[\]^_PV`abcdefghmnoijklpqrstuvwxyz{|}~o}      !"#$%&'()*+,-./01234n56789:;<=>?@ABuvCDEFGHIJKLMNOPQRSTUVWXYZ[ \ ] ^ _ `abcdefghi j!k"l#m$n%o&p'q(r)s*t+u,v-w.x/y0z1{2|3}4~56789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~     { !"#$%&'()*+,-./0123456789 : ; < = >?@ABCDEFGHIJKLMNOP Q!R"S#T$U%V&W'X(Y)Z*[+\,]-^._/`0a1b2c3d4e5f6g7h8i9j:k;l<m=n>o?p@qArBsCtDuEvFwGxHyIzJ{K|L}M~NOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~tx Y[\_    mp  ! " # $ %&'()*+,-./01234567 8!9":#;$<%=&>'?(@)A*B+C,D-E.F/G0H1I2J3K4L5M7N6`8e9f:g;h<i=j>k?lMNOEOFPGQHRISJTKULV@qArBsCwDyPQRS T U V W XYZ[\]^_`abcdefghij k!l"m#n$o%p&q'r(s)t*w+x,y-z.{/|0}1~23u^vd456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\Xz|]^_`abcdefghijkZlmHHWkn/an/a loyalT  defector loyal customers in test setloyal customers in test set2It is a selection column. Column type: Selection. r KLPijkl012356789:<=?@ABCDEGHIklmnuv~}|{zyxwtsrqpojihgfedcba`_^]\[ZYXWVUTSRQPONMLKJF>;4/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmlkjihgfedcba`_^]\[ZYXWVUTSRQPONMLKJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!      ~}|{zyxwvutsrqponmhgfedcba`_^]\[ZYXWVUTSRQONMJIHGFEDCBA@?>=<;:9876543210/.-,+*)('&%$#"!  H     /.-,+*)('&%$#"! ?>=<;:9876543210OzN{M|LKJ}I~HGFEDCBA@_k^l]m\n[oZpYqXrWsVtUuTvSwRxQyPo_n`mal k j i hbgcfdeedfcgbhai`jO~P}Q|R{SzTyUxVwWvXuYtZs[r\q]p^CDEFGHIJKLM N789:;<=>?@AB'()*+,-./0123456 !"#$%&          #"! /.-,+*)('&%$#"! ?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPovnwmxlykzj{i|h}g~fedcba`f~g}h|i{jzkylxmwnvouptqsrrsqtpuVWXYZ[\]^_`abcdeFGHIJKLMNOPQRSTU789$:;<=>?@ABCDE'()*+,-./0123456 !"#$%&     210/.-,+*)('&%6543     /.-,+*)('&%$#"! ?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`y~z}{||{}z~yxwvutsrqpijklmnopqrstuvwxYZ[\]^_`abcdefghIJKLMNOPQRSTUVWXFGCBA@?>=<;:987H6789:;<=>?@ABCDE*G+,FED-./012345 !"#$%L&K'J(IH)NM          /.-,+*)('&%$#"! ?[>=Z<Y;:X9W8V7U6T5S43R2Q1P0OONMLKJIdHcGbFEaD`C_B^A]@\_^]\[ZYXWVUTSRQPonhmglfkejihgfedcba`~}|{zyxwvjuitsrqpvutsrqponmlkz{|}~wxyHHJxn/an/a Unselected Selecteds{ ?H@Selected$$&s{ ?H@')loyal poor rates poor rates and service2It is a selection column. Column type: Selection. x  !"$%&'()*+,-./0123456789:;<=>?@ABCDEHIJKMNOPQRSTUVWYZ[\]^_`abcdefgijklnopqrstuvwxyz{|}~ !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLNSTVYZ[\]^_`abcdefklmnuvwxyz{|}~tsrqpojihgXWURQPOM          mhXLGF#H /..--,,++**))((''&&%%$$##""!! ?>>==<<;;::99887766554433221100/OKNJMILKHJGIFHEGFEDDCCBBAA@@?_Z^Y]X\W[VZUYTXWSVRUQTPSORNQMPLohngmlfkejdichgbfae`d_c^b]a\`[x~w}v|u{tzsyrxqwpvountmslrkqjpi~}|{zy     /.- , + * ) ('&%$#"! ?>=<;:9876543210O/N.M-L,K+J*I)H(G'F&E%D$C#B"A!@ _?^>]=\<[;Z:Y9X8W7V6U5T4S3R2Q1P0oOnNmMlLkKjJiIhHgGfFeEdDcCbBaA`@_~^}]|\{[zZyYxXwWvVuUtTsSrRqQpPonmlkjihgfedcba`~}|{zyxwvutsrqp     /.-,+*)('&%$#"! ?>=< ; : 9 8 76543210O NMLKJIHGFEDCBA@_0^/].\-[,Z+Y*X)W(V'U&T%S$R#Q"P!o@n?m>l=k<j;i:h9g8f7e6d5c4b3a2`1P~O}N|M{LzKyJxIwHvGuFtEsDrCqBpAXWVUTSRQfedcba`_^]\[ZYmlkjihg}|{zyxwvutsrqpon~~}pqrstuvwxyz{|f g h i j klmnocde/.-,+*)('&%$#"! ?>=<;:9876543210OaNMbLKJIHGFEDCBA@_^]\[ZYX[W\VU]TSR^Q_P`oVnmlkjWiXhYgZfedcba`~ } | { z yxwvutQsRrSqTpU.-,+*)('&%$#"! 76543JKLMNOP210/=<;:9@ABCDEFGHI8?>HH@n/an/a Unselected Selected!@ >08Selected$$&!@ >08') poorRatesCColHierarchyLevel'Avg monthly balance - Hierarchy - 5 (3)'Avg monthly balance - Hierarchy - 5 (3)SThis column is level 3 (called '5') of hierarchy 'Avg monthly balance - Hierarchy'.C_`DbcfhijImJpqJLMuNwOyQ|RSITUWXYBAZ:[\8]^6_`abcdefg i10/j&"   lmnopqrstu wxyz{| ~ tE3#! {xsrjgedcba` ZYX WVU!"%&'( !")$%&*()+,,-./T-.3456S89/01=23@4B5DE67H8JK9MN:;<=ST>V?@YO[AB#$EFGHKPVhkv}#'*+12:;<>?ACFGILOPQRUWX\]^adegklnostvxz{}~   !#$%'(+,-.3579;=>?@CEGHKMNPR[\]^_fhimnoptuvwyz} &')*./78<>LMUd}~uqvy{|~   "%+-J )*24<`aDbFcrLZQi70   klDjYfZw,z12p5P eg RSr(Ohx\FX|NG$TW06BCIV^4:9sQ@H[_n]qK=?;AolkmH  } v _ K&  $_#^/:.2-1,++**')#('&%"! ?W>U=R<Q;P:O9L8I7G6F5C4A3?2>1<0;KdHcGbFaE`B]A\@XONMLJIDCVfPe_9^7]5\3[2Z0Y*X)W(U%T$S RQkhhgoonnmcl`jRiLgHfFeBdAc@b?a=`:k}jvi~~||{{zzyyxxwwuuttssrrqqppmlponqG@'tsr&  xtrozyxwvub M8   ~}|{  +*'#//..--,,))((&&%%$$""!!  07?><;:21==998866554433OLIGFCANNMMKKJJHHEEDDBB@@Z^]\XWURQP[[YYVVTTSS_onlkgedamj i h fcb`r~}{zxvts|ywuqp.-,'#"><;6dCPOJIGEDCvZ940/%YtFE.(zoOmlkjihg   fedba ^ ]\[ZXWVU*) .-,+('%$#!"T&S/Q<42? > =;97530N1M6884:1LFDNMKHGE C @ OZA/B+I!JQ_^]\[RPS7T0UVWXY Z lkonmihf` a bcdegj~v|uqn}'z&y%w$v#u"t!p rsx{}|kYQL|{zyw)(~s!},+*e,+0/.-254321$<;:9876_]XUSN@?>=fcIB?<;FEDCBA 53)   M LKJIHGAUTSRQPON$u([, -+%"/[.Z*Y)X'W&V !#;?=9:460{521>_<^8]7\3AKH@ICBGpNnFhO^DJMaL`E]_[Q^VWyTxXj\gSTRRP ZYUbmklonh`gKeDfjicba`dcqs|mxarWpz w ~{syqvpum~e}dtqiH1-*#gfwJ:"kjih\>=76lrlVP  Hm  l  @u#CH       .P^n/an/a 0 5000 15000 10000 20000 25000 30000@ 40000 35000 45000  60000  75000 50000  70000 65000  85000          %    CHierRegularCHierAvg monthly balance - Hierarchy5Av M Bal @ 10k bands 20k bands 22~/Avg monthly balance - Hierarchy - 10k bands (2)/Avg monthly balance - Hierarchy - 10k bands (2)[This column is level 2 (called '10k bands') of hierarchy 'Avg monthly balance - Hierarchy'.  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~=>?@ABCDEFGHIJKLMNOPQRSTUVWXY[\]^_`abcdefghijklmnopqstuvwxyz{|}~     !"#$%&'(+,-./01356789:;=>?@ABCEGHIJKMNOPRSTUVWXYZ[\]^_`abcdefghijmnoprstuvwxyz{}  !#&')*./378<>ELMUdt}~  !"#$%&'()*+,-./12345689:;<{     ")*%2+4,-12<5   DFLQDJP0Y7Zkl`qabcefij|~ZpurvwyzC$FGI|NORSTWX\(gh0r6x B]^_VnHs49[KQq@:;=?AolkmH //..--,,++**))((''&&%%$$##""!! ??>>==<<;;::99887766554433221100OONNMMLLKKJJIIHHGGFFEEDDCCBBAA@@__^^]]\\[[ZZYYXXWWVVUUTTSSRRQQPPoonnmmllkkjjiihhggffeeddccbbaa``~~}}||{{zzyyxxwwvvuuttssrrqqppm21876543>=<;:9         D CBA@?QPONMLKJIHGFE/a.`-_,^+]*\)[(Z'Y&X%W$V#U"T!S R70<l;k:j9i8h6g5f4e3d2c1b?>=ONMLKJIHGFEDCBA@Z,_^]\[YXWVUTSRQPo n m l k jihgfedcba`Dr:~}|{zyxwvutsqpwur('&%$#"! }z6543210/.-,+*)CBA@?>=<;:987TJGFEDvIHqpNMLKJ]\[ZYXWVUTSRQPOkjihgfedcba`_^{z y x w v utsrqponml~}|*) /.-,+('&%$#"!<42?>=;:98765310LFDONMKJIHGECBA@Q_^]\[ZYXWVUTSRPlkonmjihgfedcba`~(|'q}{zyxwvutsrp~ts0/.-+*)lkji8765432{ECBA@?><|yxvtsqpourmb`_|edc^[          (a$I-,+%"/.*)'&#! ?=;:946}0n521>!< 873A@KHBOSNRINGMFLCHJDM$L#E"Q[V_^]\]XZWYTWSVRUZYPU%mklonhggfj&i%f$e#c"b!a `d&qsxro|OzGyFw=v;u9p1{{n~)}(t'yhK~+*zw/.-,0x\XQP  H o]CH Hmn/an/a 0 10000 20000 30000 40000 60000@ 70000 50000 80000 % ~/Avg monthly balance - Hierarchy - 20k bands (1)/Avg monthly balance - Hierarchy - 20k bands (1)[This column is level 1 (called '20k bands') of hierarchy 'Avg monthly balance - Hierarchy'.  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~       !"#%&')*+,-./123578<>DEJLMPUYZ`abcdefijptuvwyz{}~    !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ WX[\]^_ghn$qrs(x0|469:@BCFGHIKNOQRSTVAo;=?lmkH //..--,,++**))((''&&%%$$##""!! ??>>==<<;;::99887766554433221100OONNMMLLKKJJIIHHGGFFEEDDCCBBAA@@__^^]]\\[[ZZYYXXWWVVUUTTSSRRQQPPoonnmmllkkjjiihhggffeeddccbbaa``~~}}||{{zzyyxxwwvvuuttssrrqqppe H     /.-,+*)('&%$#"! ?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqp     &%$#"! 10/.-,+*)('?>=<;:98765432SRNJIHGFEDCBA@ZYXWVUTSRQPONMLKjihgfedcba`_^]\[zy x w v u tsrqponmlk~}|{/.-,+*)('&%$#"! ?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqp~}|     .-,+*)('&%$#"! omlkjihg6543210/{xwvusrq<;:987GFEDCBA@?>=         .-,+*)('&%$#"! (\$X/<.;-:,9+8*7)6'5&4%3#2"1!0 /?=;:z9y6n4f0b>D<C8B7A5@3?2>1=AONKIHGFCB@MILHJGEFDEVTSRQ_Q^P]O\M[LXJWIZMYLUKPJkmlonWhVgUjViUfTeSdRcQbPaO`N|cx_s[rZqYa~`}_{^z]y\w[vZuYtXpWtKmlkjihgfedcbda{zyxwvutsrqponT~}|p`^]Hl H`Hn/an/a 0 20000 40000 60000 80000%~/Reason to Switch - Hierarchy - Income Group (3)/Reason to Switch - Hierarchy - Income Group (3)[This column is level 3 (called 'Income Group') of hierarchy 'Reason to Switch - Hierarchy'.689:123457$ln!$#"   kmpu|sG`%]&'OMK()<=?@AB CDE!"F$HIJYXWVUTSRQ#  ~}. edc}zyxwrnkjbNMa_^\[ZYUTSR0/;:98 -,+  5876|pqsu{~ovtJKL!"%{z?@CDEFGHyxwvuNIPQtsrqpoXnDCB"!  ,-./01234567>L*ABJKLi(B>C?@/.,:7<)jklfmghi|}~ijklTVNSYZ[\]^_K345PU;WVST mhX   #tshrjig       RMXOQUWPGFLpoq~}|+&%zyxw{bn`a\[cZdYef^g]_lm'()* POVWI01234EFGH10=2dcvubaf`e>_h`e\;<=#%&'()*+,-./$QRONMJHEIrt{zyxwvqo^][Zfdcbag@9:;<=>?AD+*A-986'&H'  dc ba` _^\ *)( '!qponmlk]&'-*+%#X),./( j"!$6892(=&0%1$;543<7:?>ADIkEjHiJhMgNfOeLFGK@CBRdQc_]^YZ[\X1TSVWUPogfedca`nbh0m-lkjiqvwxy~z}{|t{rv}~s0|/u.p-32hyx~}|zyxw4vutsrqpx5wv {6mkgf{zliedba`~}|zywnonmlkji qp o j h c65432/.g F#*)('&+/.-,%0 &"%#$$"! >7654321089:;?>==<<LNNJQIPHOFMEJDICGBBAA@?K9M8O7G1WVXXQQPPRSTUYZ[\^_]4ihgmflkjnYoWabcde`2|}~pVqUrTsStRuMvLwKxJyIz@{?>=<;8H:976543!GFEDCBA@:r#"!u:98&%$ts1/+*)('v2.-,       DC@*+,-/.#[$N"L!K E);(:'6&5%3=K<J;I>9?A07 5 4 3 21:986OLKJBAIOHHGGFFEEDDCC@BMNZ[]^\H_;PQZRYSXTWUVVUWTXSYRgabcdfe?`>h=mliojkntv~{usqp|rwxyz}<A@?>=<;7L87xw~}|{zyaY `_^]\[ZSRQPONMLKJIHG   ih_     WF ED CB^]\[ZVUT  gf$b/X.W-V,U+T*S)R(Q'P&O%N#M e!d"c?>=<;:9432106785A@H#G"F!E I OMNBbCaD`L K JPWUQXR_ ^]\[ZYSVTe1`0f/a.b-c*d)og_i^j]h[m,k+nlu,v+{wxyzqpr\sZtY~}|rqponmutsl%$#utsr+*)('&"fe,CC*/: 9B#-C+5!4@" ?$=)2A(18'. ;, <37%0 >&6 C B =85 3 .)&$  ?:610+!   &@%;,2.-',(')"$"!+-# /*6A>>0<7937<4;/8*1(2#= ?459:A%@CB HC D Q1b % G#mK (  $rGp&%,.'()$"!+|-#. !/*66@>0#7d3I<z;8t12T=?459k:A@CBHC      ' '+&(%, .'( )$"'!9+-#D /* 6 > 07 3<;812=?45 9: A @CBn/an/aC < $1000 < $1000 < $1000 < $1000 < $1000 =< $1000 < $10009 < $1000 < $1000%T ;< $1000 < $1000T < $1000 < $1000* < $1000 < $1000 8< $1000 < $10004 < $1000 < $1000Cߠ`< $1000 < $1000 6< $1000 < $1000> >< $1000 < $1000/ < $1000 $1000 -> $3000' ,$1000 -> $3000 $1000 -> $30006 A$1000 -> $3000 $1000 -> $3000" $1000 -> $3000 $1000 -> $3000@ $1000 -> $3000 $1000 -> $3000 B$1000 -> $3000 $1000 -> $3000 &$1000 -> $3000 $1000 -> $3000T $1000 -> $3000 $1000 -> $3000 $1000 -> $3000 $1000 -> $30001T ($1000 -> $3000 $1000 -> $3000; /$1000 -> $3000 $1000 -> $3000 +$1000 -> $3000 $1000 -> $3000ߠ`1$1000 -> $3000 $1000 -> $3000 0$1000 -> $3000 $1000 -> $3000, 2$1000 -> $3000 $3000 -> $6000ߠ` $3000 -> $6000 $3000 -> $60007ߠ`9$3000 -> $6000 $3000 -> $6000 $3000 -> $6000 $3000 -> $60002 #$3000 -> $6000 $3000 -> $6000ߠ`)$3000 -> $6000 $3000 -> $6000 :$3000 -> $6000 $3000 -> $6000 $3000 -> $6000 $3000 -> $6000 5$3000 -> $6000 $3000 -> $6000 $3000 -> $6000 $3000 -> $6000< 4$3000 -> $6000 $3000 -> $6000A %$3000 -> $6000 $3000 -> $6000- $3000 -> $6000 $3000 -> $6000( '$3000 -> $6000 $3000 -> $6000# $3000 -> $6000 $3000 -> $6000 $3000 -> $6000 $3000 -> $6000  $3000 -> $6000 $6000 -> $100003 7$6000 -> $10000 $6000 -> $10000 !$6000 -> $10000 $6000 -> $10000. -$6000 -> $10000 $6000 -> $10000  $6000 -> $10000 $6000 -> $10000=T  $6000 -> $10000 $6000 -> $10000) "$6000 -> $10000 $6000 -> $10000$ $6000 -> $10000 $6000 -> $100008 *$6000 -> $10000 $6000 -> $10000 $6000 -> $10000 $6000 -> $10000 $6000 -> $10000 $6000 -> $10000B  $6000 -> $10000 >= $10000:  >= $10000 >= $10000+ߠ` >= $10000 >= $10000 3 >= $10000 >= $10000 $ >= $10000 >= $100000 < >= $10000 >= $100005  >= $10000 >= $10000!  >= $10000 >= $10000?  >= $10000 >= $10000  >= $10000 >= $10000  >= $10000 >= $10000& @ >= $10000 >= $10000 T . >= $10000 >= $10000 ? >= $10000C*/: 9B#-C+5!4@" ?$=)2A(18'. ;, <37%0 >&6 C       !""""""""""""####""!!!####!###########$$$$$$$$!!!!!!!!!!!!!!"!!!##!""#####!#!!!!"!#####! #!#%%%%%%%%%&'####"""""""""&'!!!!!!(('('&&&&"""'''&&&&&''&&&$$$$))$)$$!!!!!!!!!!!'''#########"######**********%%%%!!""!!!!!!!"""##&&%&&%%&&&&%&&%"###++#++####++#+##(((((&%(((##&&&&&&&&&%%%&&&&"'''''''''''&&",,,,,-------------,,,,,,..////////000000000--------1111111111111222.3333334455555554444441.1.1..11122221114433333333444000000000000033333----66666666644433333555.2....22.2..2222222777777788889:9:;;;88877<<<<<=======:::::::>>>>>>>>>>???@?@?@@AAAAABB;;;;;;;AAAAAA;;;;;;;;;;CCCCCCC%C /..--,,++**))((''&&%%$$##""!! ?>>==<<;;::99887766554433221100/CBBAA@@?s CHierFieldReason to Switch - HierarchyReason to SwitchSex Income BandLikely Reason to SwitchSex Income Group ~&Reason to Switch - Hierarchy - Sex (2)&Reason to Switch - Hierarchy - Sex (2)RThis column is level 2 (called 'Sex') of hierarchy 'Reason to Switch - Hierarchy'.ln:987654321$k#m "! $ `]OMKJIHG|uspFEDCBA@?=<YXWVUTSRQ  )('&%$#"!5}~89:;RSTUYZ[\^_abcde    +,-./0MNjknrwxyz}876~puqs|{o"!vtJKL D !%"CBNPQXnopqrstuvwxyz{IHGFEDC@?CBA<.i-,)(*@>B?:LKJ75674321>0//.,Lj~klm}|fghi WVUTSPK[ZYVTSN345;lkji_^]\ X#tshghijrm  MOPQRU     WXqpoFGL  x|}~z{y%+&wI012=YZ[\]^_`abcdefgn'()*VW OPlm01234EFGH`abcdefuvIHEN`_M\Jh>=<;eR#$%&'()*+,-./QOyxwvtrqo9:;<=>?@ADgfA986-+*dcba^][Z'&{zH  \[Z32 10/ *'& " Z4/)'4&'*+-%#9,./() !"$689=210; 5437:?><}ADOuJPMMN5E4H3I2LGFKB@CvQtRc_^]\[ZYX6PSTUVWo}ngfedcba`mUh>ijklz{q|r{tzvywxxwyv~q}ppEsDuC|BXWsr)~}|{zyxwvutVB@?>=<;T#98630.,+S'&%$*)  ~ } | {xTO@?81.5$*)('&+/,-.~%2$, +!%"## 0>1234765;:98<O=N?MLNA@LAKBJCIDHEGFFGAH?I>J=K<M;O:WVXEQDPC_^\[ZYUTSR]9ihgfmlkjoInHedcba`8~}|{UzTySxRwQvPuOtNsMrLqKpJ[YXWV7ba`_^]\(LKJIH=<;:lj|{zymlkihf\[Yponedcb          f.-*/.-,+!e"d#c$b%a&`'_(^)] Y;\<Y=U>R?s0123456789: OJKLAxBw@rCqDjEiFhGgHfIcNMZ[]^\O_9PQXRWSVTUUTVSWRXQYPabcdfge]hQ`8mlionkjt v {|squp~}zyxwrNMLKJIHGF~`_^ka[a`  fedbZ76<onmlkjihz_WVRQPNE:75-ut     ^]Z X 3/%$#"!420GF/s.r-q,p+o*n)m(l'k&j%i$h#g"5!1 -?>=<;:94$3#2"1!0 6785gA@H(G'F&E%IOnMmNB:C7D&LK J XWUyRqQpPo\]^_STVYZ[f/e.d-c,b+a*`)ojDiChBgAm!kn l v1u0wy{zxpqrSs=t;|}~CBA@?>GFED,+(ed*(wvutsr"!    @6g  H y II x  C5k~H L D^ % O3D Xd:n/an/a M M M M F F M M M M Fߠ` F F F FT F F T  F M M M M F F M M M  M F  F F  F                                                                          % s~3Reason to Switch - Hierarchy - Reason to Switch (1)3Reason to Switch - Hierarchy - Reason to Switch (1)_This column is level 1 (called 'Reason to Switch') of hierarchy 'Reason to Switch - Hierarchy'.k5l4321!"#$$mn:9 87 6STUYXYZ[\]^_`abcdeWVUTSRQNMpsu0/.-,|}~7+)('&%$# 889:;<=n?@ABCDEFGHIJKkMjOR}zyxwr 56"!     o~JKLs|{!qpvut""!  %(),-./01234567>LNPQ,Xnopqrstuvwxyz{./7:<>?@BC*?@ABCDEFGHIJKLiDCB~}|TS345N;WKUlkjiSTP_^]\ml[ZYkjihgfVV    mpohtsrq     jihgURQPOMFG#LXWX  I%012=YZ[\]^_`abcdefgn&'()*+VW|}~ OPlm01234EFGH`abcdefuvwxyz{qoR9:;<=>?@AQONMhgfedcba`JIHEDA9_^]\[Z>=<;86-+*'&{zyxwv#$%&'()*+,-./trH $ xts lgcC % $ #! WVU"! r&{'z*y+x-w%#/~.},m)[(Z X"!$6v8u9f=210;543?><:7AeDdEcHbIaJ`MHNGOFLGFKCB@QER4_^]\[ZYXV"P TSUWo3ngfedcba`h=m6ijklrtvwxyz{q2~]}\|[uUsTpS#ji!210/.-,+*)('&%$":9876543DCBA@?>=<;IHGFEzvq[YPONMLKJW  VTPNMA7 5 3 2o+*)('&/_.^-],\%Y $#"! >h7g6f5e4d3c2b1a0`?=<;:98NjLiOMKJIHGFEDCBA@WVXnQlPkR_9^8]7\6[5Z4Y3U/T.S-fghijklmopnoe?d>c=b<a;`:~}|{|z{yzxywxvwuvtustrsqrpqvGFEDBA@qpnUQ?>984~}|tsrq]\SR}|{     * !"#k$h%f&d'b(a)`+_,Z-Y.X/W;p<o=n>m?0V6&7#8 9:12345OLKJIHGFEDCBA@MPNOZl[k\j]i^h_gPQNRMSLTKUJVIWHX2Y1`_a^b]c\d[eZfYgXhWmliojkntu v pq{|s~rwxyz}VUTSRwrnmlQPONMLKJIDCB8CB76LKJIHGFED~}{wuR5    @,+*)('pyxo:)&%    f e d c b aZ    /.-,+*)('&%$# !"??>>==<<;;::9943210658m7^AA@@H#G"F!E IMO~NBCDLKJWXPuQtRsUkVYZ[\]^_STf*e)d(c'b&a%`$gjhiihjgo<nmlk{1z0y/x.w-v,u+q`r_s^tXp;|}~,+*   ('TSRQ10/.-eO|Q0zyHqISkH_ -n/an/a insuffBranch  insuffBranch inconvHoursT  inconvHours insuffATM  insuffATM poorServiceߠ` poorService poorFacilities poorFacilities longQueues  longQueues poorRates  poorRates unlikely unlikely%slikely defection ratelikely defection rateZCreated from the expression 'if("likely defectors"='Selected',1,0)'. Column type: Numericy%if("likely defectors"='Selected',1,0)!"#$%&'()*+,-./4;>FJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijopqrstwxyz{|}~  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJMNOQRSTUVWXYZ[\]^_`abcdefghmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~       GHIuvk0123l567KL89P:m<=n?@ABCDEijklHV UOKJ  ~}|{zX/.-,+*)('&%$#"! ?>=<;:9876543210LKONMJIHGFEDCBA@P_^]\[ZYXWVUTSRQlkjionmhgfedcba`~}|{zyxwvutsrqpe`[Tihgf     "! 210/.-,+*)('&%$#A@?>=<;:9876543ONMLKJIHGFEDCB_^]\[ZYXWVUTSRQPn m l k j ihgfedcba`srqpo/.-,+*~)}(|'{&z%y$x#w"v!u t?>=<;:9876543210ONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqpk     "! 210/.-,+*)('&%$#NML43SRQP@?>=<;:98765PO N M L K JIHGFEDCBA`_^]\[ZYXWVUTSRQ/p.o-n,m+l*k)j(i'h&g%f$e#d"c!b a?>=~<};|:{9z8y7x6w5v4u3t2s1r0qONMLKJIHGFEDCBA@_^]\[ZYXWVUTSRQPonmlkjihgfedcba`~}|{zyxwvutsrqp_^]\ZYW     lj('&%$#"! 87 6 5 4 3 210/.-,+*)HGFEDCBA@?>=<;:9 I/.-, + * ) ( '&%$#"!?=<:9876532~1}0|>;4EDCBA@IdHcGbONMLKJF_*^)](\'[&Z%Y$X#W"V!U TSRQPnmlk{o6j5i4h3g2f1e0d/c.b-a,`+vsurD~C}B|A{@z?y>x=w<t;s:r9q8p7TSRQPONMLKJIHGFEdcba`_^]\[ZYXWVUzxwvutqponmahgfeywvutsrqponmlkjiyxJn/an/a?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????"predicted reason to defect (tree)"predicted reason to defect (tree)*Created from model. Column type: Discrete reason to defect (tree) rgH-  ,3?{ +@Avg monthly balance @0D@Incomec@t@rDMSWMarital Statusu<7~u<7joint checking joint savingspersonal checkingpersonal savings account typeu<7~u<7CityRural Small TownSuburb home locationu<7~u<7g Post Graduate Professional SecondaryTertiary educationu<7~u<7H Administrative Civil ServiceCommunications EducationFinance IT relatedLegal ManufacturingMedicalOthersRetired Unemployed occupationu<7~u<7-FMSexu<7~u<7 insuffATM insuffBranch longHours longQueuespoorFacilities poorRates poorServiceunlikelyreason to defect (labelled)u<7~u<7 insuffBranch longHours insuffATM poorServicepoorFacilities longQueues poorRatesunlikely ?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????3@;@V@Q@G@X@P@@R@ .??????????????????????????????????????????????@?1@@0@@  ????????????@ @  ???????????"@@  ????????????@@  ????????????"@@ /???????????????????????????????????????????????@@(@8@ ???????@@ ???????? @ ?????????????????@@@ ?????@ ??????@ ???????@@ ????????????????,@ ???????????????????????@@@@?  ?????????????@@! ??@! ??! ???????@@! .??????????????????????????????????????????????3@@@(@@ ???????????????????????????@@(@@  ????????????@@' ???????????????@(@'& ???????????????????3@& /???????????????????????????????????????????????@@@=@@ ????????@@+  ????????????@@+ ???@+ ?????????????????????????9@+ 5?????????????????????????????????????????????????????@2@ @8@ ?????????????????? @@@  ????????? @?1 ???????@@1 ??@10 ????@0 ???????@@0 ????????????????????????@2@0 +???????????????????????????????????????????@@@@@@.@  ?????????????@ @8  ???????????@@@8 ??????????????@@8 ?????@8 ?????????????????????????????@@@"@@ ?????@= ????????????????????@@"@ ????????????????@"@@? ?????@@?= ????@= ?????????????????????????????"@ @@@ ????????@@C  ???????????@@C  ?????????? @@C .??????????????????????????????????????????????@"@*@@@?@   ?????????????@@G ???????@G  ?????????@@G ?????????????????@@?@ ??????@K ??K  ??????????@@KG 8????????????????????????????????????????????????????????0@,@@5@   ?????????"@O  ?????????@@O ??????????????????????,@@@O ????????????????@@(@O ????????????????????????@*@@   ?????????????*@T ????@T ???????@TMb`?? ?gfffff?h$+@{ +@htestY@iY@ insuffBranch longHours insuffATM poorServicepoorFacilities longQueues poorRatesunlikely/bBI-Hit column of 'reason to defect (tree)' model-Hit column of 'reason to defect (tree)' modelThis column shows the goodness of estimation. If the estimation is good, the hit value assigned to the column is 1, otherwise 0. Column type: NumerickkX08U9K|L 9eLf<1+JKLg[N2>i-YabcK\S mAghkl|};m$Do^3&`*PaTSv6YZ ]abdopz{:i  jkm%!"p&'*+/349:;<>@ACsFIMNQ(UWXu_ghvBpytvzCz{|F     GI !"#$%+.N6/)*?@A,EHI1MN2PQR4VWXZ[7]_`9bcdf<j=?n@ABCDFGHzIMOQTUX  !"#')*+,.345678<=>?@EHJLMOQRVWXZ]_bcdhlnoqrtwx{}~   !"#$%&'(-./03568:;>EJKPRVW[\^_`cefijnqrstuvwxy|}~  &'(),-/0124578:;=BCDFGJOSTUY\^aeghklmpqrstuwxy{}~   #$%(),-.01257=?BDEGHOPRSTVYZ[\]^`defijklnoqrsuwxy~H     >wA.,+*)'#"! /(%&h$S-$?>=< 8 7 6 5 43:;G219 0OMLJHE@NIzGqFQC-B#DTA7K1_]ZXWVRQST}Pv^Z\2Y([Uo&n%l$h#d"c!b mkjia{`mgf e ~.}-{,x+w*t)r(q'|1z+y&v"uspp3210/p`_[RMErW<;:987654CBA@?>=g_0)LKJIHGFED=3-TSRQPONM\[ZYXWVU dcba`_^]%!'jihgfeKHC?=65320r q p onmlko ] \YXWTL{zyxwvuts~{yvt/.-('&%$#~"}!|,*)+ >;:86530?=<97421KJEOMIHGFDCBA@NL _^\[WVRPXUTQ]ZYS4njifec`odbamOlAk?h;g:~}|yxwvutsrq{zp%"w\[M z /,)'ND;njicQSPON|cba^ZVU&   n m lkjihgfed}|xusr/ - ,)('&.+%$#"! *o=;:87542 1 0 ?63f> < 9OJGFDCBNMIHEA@LK^!\ YUTS_][ZXWVRQPm(l'k&h%g$e#a"njfdcb`oXi#~4}3{2y1x0w/u.t-s,r+q*p)zv|<;:98765.BA@?>=~VP<98HGFEDCONMLKJIWVUTSRQPLIDCB@a`_^]\[ZYXihgfedcbponmlkj! v utsrq   5~}|{zyxw.-,)(%$# /+*'&"!?=75210><;:94368OHGEDBN M IFCA@LKJ^]\[ZYVTSRP_XWUQ onlkjifed`hgm6c,b+a*~yxwusrq{/z.v*t(p$H}F|E9874URKJ@><:edba`^]YBxutsqlkJIGFyn/an/a???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????-Hit column of 'reason to defect (tree)' modelThis column shows the goodness of estimation. If the estimation is good, the hit value assigned to the column is 1, otherwise 0. Column type: Numeric/Score column of 'reason to defect (tree)' model/Score column of 'reason to defect (tree)' modelThis column shows the accuracy of estimation. The score value assigned to the column is between 0 and 1. A higher value indicates more accurate estimation. Column type: NumericnkZ+.|   vo ad`YZ [^ba\gfeLvIFNAEPm?@S+/Z[]_`bcdfBCT;UKSP/+*'&D}|AXWUQM&  99-3012$JKLNIQR%V<>W689:;<>@AXabcz{NkLhz{Klogp_*miXQ!")* OuMghN6vMp2ytz9|#"!  ]Y1:IziHG4jUkTF$mGDCpBA@Hn?I34=j<Cs ,7F(%  !"#')*+,.345678<=>?@EHJLMOQRVWXZ]_bcdhlnoqrtwx{}~   !"#$%&'(-./03568:;>EJKPRVW[\^_`cefijnqrstuvwxy|}~  &'(),-/0124578:;=BCDFGJOSTUY\^aeghklmpqrstuwxy{}~   #$%(),-.01257=?BDEGHOPRSTVYZ[\]^`defijklnoqrsuwxy~H     x~}^.,+*)'#"! (%$-&/a?>=< 8 7 6 5 43:2109;vOMLJHE@FGN$IADKxClBk_]ZXWVRQPzSyUwTu\^[Yo&n%l$h#d"c!b mkjie fg`a~.}-{,x+w*t)r(q'sp|uzoyjvfu]=3210/p`?8_I#<;:987654&%`CBA@?>="SRO;LKJIHGFED#!TSRQPONM;1\[ZYXWVURdcba`_^][WTNjihgfesr q p onmlk n_ QP{zyxwvutsMLKI^/.-('&%$#~"}!|,*J)H+W >;:865307<=?419r2iKJE@ABCDFGHIMgO\N-L$_^\[WVRPTUY]QEXASTZnjifec`m<g4o3l0h*k(abd~}|yxwvutsrqp5{,z+N&DBHG*'VU?5=mk97on8tsrqp[ZYX]\BA@  FEDC   |/ - ,)('&%$ {!z"y#w*:.+=;:87542 1 0 6e><39?POJGFDCBIHNdMaK/L)@QE:A9^!\ YUTSX WVRQ_e]d[cZbP<m(l'k&h%g$e#a"jni>fjdichbg`fo ~4}3{2y1x0w/u.t-s,r+q*p)ztv |<;:98765YXVUSOBA@?>=.HGFEDCv'ONMLKJI"!WVUTSRQP3210/.,+a`_^]\[ZYX764ihgfedcbponmlkj v utsrq    ~}|{zyxwMLKJ.-,)(%$# "G!F&'~*}+|/{?=7521043><;:986OHGEDBCA @ NLKJMF)I(^]\[ZYVTSRP_6QUWXonlkjifed`hcgbcbam>~yxwusrqtlph{z|}v%Cm@2-Z  q !49UXu(?HN\n/an/aUUUUUU????????????UUUUUU??]tE]??]tE]?333333?]tE]?]tE]?]tE]?]tE]??;;?]tE]?333333?333333?]tE]????;;??;;?;;?;;?;;?;;?;;?;;?;;?;;?;;?;;?;;?;;????????????$I$I?$I$I?tE]t?????]tE]?/袋.???333333?333333????????$I$I???$I$I?$I$I?$I$I???????]tE]?]tE]?]tE]??]tE]?]tE]????]tE]?;;?;;??????????????????????????????????333333?m۶m??qq?qq?qq?qq?;;?qq?qq????????????????????tE]t??tE]t??/袋.?$I$I???/袋.??;;??;;?;;?;;????????????tE]t?$I$I?m۶m?;;??/袋.?/袋.?tE]t?$I$I?$I$I?;;?tE]t?$I$I???rq??UUUUUU?UUUUUU?m۶m?m۶m?m۶m?m۶m??????]tE]???]tE]?rq?333333?333333??]tE]?333333?333333?333333?333333?333333?333333?333333?333333?333333??333333?333333?]tE]??$I$I?$I$I?$I$I?$I$I?$I$I?$I$I?$I$I?UUUUUU??UUUUUU?????]tE]?]tE]?]tE]?]tE]?]tE]?]tE]???????????]tE]??]tE]???$I$I?$I$I?$I$I?$I$I???????$I$I??????333333?333333?333333?333333?333333?333333?333333?333333?333333??????????????????????????????????m۶m?m۶m?m۶m?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?tE]t?tE]t?tE]t?tE]t?tE]t?tE]t?tE]t?tE]t?tE]t?tE]t???rq?rq?rq????????m۶m??]tE]?]tE]?]tE]???UUUUUU?UUUUUU?UUUUUU??????]tE]??]tE]?]tE]?]tE]?UUUUUU?UUUUUU?]tE]?$I$I?$I$I?$I$I?$I$I?/袋.?/袋.?;;?;;?;;?;;?;;?????????????tE]t?tE]t?UUUUUU?UUUUUU?UUUUUU?]tE]?UUUUUU?]tE]?]tE]?]tE]?]tE]???????$I$I???tE]t???]tE]?]tE]?]tE]?]tE]?]tE]??333333?/袋.?]tE]?]tE]?]tE]?/袋.?]tE]?]tE]?]tE]?]tE]?]tE]?]tE]?]tE]?]tE]?]tE]???]tE]?]tE]????????????]tE]?]tE]?]tE]???/Score column of 'reason to defect (tree)' modelThis column shows the accuracy of estimation. The score value assigned to the column is between 0 and 1. A higher value indicates more accurate estimation. Column type: Numeric!"__ZYLK^]\Jl ii[ZYVTSjk [\*]`abc^deN$fgkj  wxyz} +YXWVUTS)('&%$#"!     JKL !"#$RQrNM>=89:;<=<?@ABCDEFGHIJKMORTUYZ[\]^_`abcde;0/.-p,sun|}~ nfedcb (a)`,,-./01234567./PQSXfghijklmnopqrstuvwxyz{7DCB:<>?@BC1"3! 9?@ABCDEFGHIFghijGLopqrstU  RQW PXO#M     XmhI%&'*+-689AD%'()*>LNVW OPlm01234EFGHklmnuvwxyz{|}~fedcba`_^]\[Z~|{vutsqpohgvtrqoWVU#$%&'()*+,-./TSRQ56789:;<=>?@A~}|+&PONMKJIHE=;543210{zyxw:876254Ht  dc[YH 8 7 mlHGFE3&$#-z+y*x'w&v%u#T/.,s)q(o n$G"!012345;=9}8|6{?><:7EHI~J}K|M{NtOsDA~LG FCB@PrQ:R9S8T7U)V(W'Xo^C]>\<[;Y Z _ o&hqmpn+gLfKeEdDcBbAa@`?k4j0ilwxyz{q%r$t#v"~}|usp41`J21 DCB@?>=<;:98765~}|{zPONMLKJIyxZYXWVUTSRQONMw'&%$_^]\[QPvu"! fedcba`ponmlkj] [ Z Y X WVihg&f+e*)('%/x.w-v,u$#"! >765~4}3|2{1z0y?=<;:98NLOMKJIHGFEDCBA@WVXSQP_^]\[ZYUTRonmlkjihgfedcba`|d}c~b{zyxwvutsrqpWVUTba]Xa`_^]\[ZY0jihgXWf"VPHGFEDeSRUTSRQPOJI\R9'     ,-./ !"#$%&'()+*=452678:?9310 ; <=>OIHGFEDCBA@MNJKLZ[\]^_PQRSTUVWXYg!h o` a b c d efmlnj_kZipqstuv{|~r}zyyxxwwphgfedcb`^943vutsrq(sr:@   mlkjiCBA82/.-,*)('&%$#"! zon^\a_ > 7 65A  mlk*?:-,+/6.5-4,3+2*1)0(/'.&-%,$+#* !"?F>E=D<C;B:A9@8?7>6=5<43210AH@GHGFEItMUOSBCDLKJNFXJPIW=Q<R;U1S.T)V%Y!Z [\]^_ nmlkoj i h g `rapbkcjdiehfg~}|{zyxwvut+s*r)q(p#20/.-I65NMLK;n,3/qNMLKQOH:fIHMn/an/a insuffBranchT  poorFacilities  insuffATM  longQueues  poorRates  poorService  unlikelyߠ` longHours predicted reason (tree)predicted reason (tree)*Created from model. Column type: Discreted!"__ZYLK^]\Jl ii[ZYVTSjk [\*]`abc^deN$fgkj  wxyz} +YXWVUTS)('&%$#"!     JKL !"#$RQrNM>=89:;<=<?@ABCDEFGHIJKMORTUYZ[\]^_`abcde;0/.-p,sun|}~ nfedcb (a)`,,-./01234567./PQSXfghijklmnopqrstuvwxyz{7DCB:<>?@BC1"3! 9?@ABCDEFGHIFghijGLopqrstU  RQW PXO#M     XmhI%&'*+-689AD%'()*>LNVW OPlm01234EFGHklmnuvwxyz{|}~fedcba`_^]\[Z~|{vutsqpohgvtrqoWVU#$%&'()*+,-./TSRQ56789:;<=>?@A~}|+&PONMKJIHE=;543210{zyxw:876254Ht  dc[YH 8 7 mlHGFE3&$#-z+y*x'w&v%u#T/.,s)q(o n$G"!012345;=9}8|6{?><:7EHI~J}K|M{NtOsDA~LG FCB@PrQ:R9S8T7U)V(W'Xo^C]>\<[;Y Z _ o&hqmpn+gLfKeEdDcBbAa@`?k4j0ilwxyz{q%r$t#v"~}|usp41`J21 DCB@?>=<;:98765~}|{zPONMLKJIyxZYXWVUTSRQONMw'&%$_^]\[QPvu"! fedcba`ponmlkj] [ Z Y X WVihg&f+e*)('%/x.w-v,u$#"! >765~4}3|2{1z0y?=<;:98NLOMKJIHGFEDCBA@WVXSQP_^]\[ZYUTRonmlkjihgfedcba`|d}c~b{zyxwvutsrqpWVUTba]Xa`_^]\[ZY0jihgXWf"VPHGFEDeSRUTSRQPOJI\R9'     ,-./ !"#$%&'()+*=452678:?9310 ; <=>OIHGFEDCBA@MNJKLZ[\]^_PQRSTUVWXYg!h o` a b c d efmlnj_kZipqstuv{|~r}zyyxxwwphgfedcb`^943vutsrq(sr:@   mlkjiCBA82/.-,*)('&%$#"! zon^\a_ > 7 65A  mlk*?:-,+/6.5-4,3+2*1)0(/'.&-%,$+#* !"?F>E=D<C;B:A9@8?7>6=5<43210AH@GHGFEItMUOSBCDLKJNFXJPIW=Q<R;U1S.T)V%Y!Z [\]^_ nmlkoj i h g `rapbkcjdiehfg~}|{zyxwvut+s*r)q(p#20/.-I65NMLK;n,3/qNMLKQOH:fIHMn/an/a insuffBranchT  poorFacilities  insuffATM  longQueues  poorRates  poorService  unlikelyߠ` longHours  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?{1_ N2$IST-71#X*:ZQu+:(X"  Akm^@A5/Yi~ !*E[P`afFuQy"b6w>Y$*L&v$e0 4FaLdN?GH  7']+{%|GCUqVc\zir2C.!;a1/W%TOd^bV }}&bnF9bg|`/x`3{KCrq im@2/Jtnk~eW5Ks!p)lwxo,~_c*gllsmMTI3'-iPG@+vH8%BRznH ?C[,4'0Ze"-ox ,=s}R&vYAHjLp<(5 VU`N9MK\ D R0-K4tX#Z4%zqM<^uj;ID_rjB j= ]S7(r ^nkTX_tONxEU,9J2fm{y=Dfhf78?  F6$u#]|wO E)|=.P>.89QvW<o.Vz"kIG \+)\pta@<SpM>3;Ao:O;[Z~ h6Qg]B gEws[dB1S:Lehhcly&'DWd5(JY!CDataScheduleBase&n@&n@&n@CDataAutomaticExports"%INSTPATH\SAVED\%FNAME_%y%b%d.%EXTCDataXmlExportCDataTextExport CDataTIES ,"" CDataDBExportCDataHtmlExport1024*768IC:\Program Files\DataScope Enterprise Edition 3.0\HTMLInclude\header.htmlIC:\Program Files\DataScope Enterprise Edition 3.0\HTMLInclude\footer.htmlCDataHtmlExpPageOptHTMLInclude/bg_strip.jpg CDataHtmlFontv CArrOutputLstCDataWindowSetz CArrVData  CVDataVO2~ CVData CColorInfoE ddgz2#Account type versus likely defector, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green0\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 The left chart shows the relationship between account type and likelihood of defection (green) \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 \par Click right mouse inside the chart and select \par Show->Normalised \par to see the relationship more clearly - savings account holders are more likely to defect than current account holders \par \par The 4 charts to the right (already normalised) show the relation between likely defection and education, home location, marital status & occupation. We can see a slightly higher incidence of defection among manufacturing workers, postgraduates and those living in small towns. Widowers, and rural dwellers seem most loyal \par } o? CDataSplitter%%K05N? CDataScaleX@@:@ CDataScaleYx@x@.x@ EE CVDataCO2E ddzgWF-Age, NumChildren, Income, Avg bal, Avg trans., {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green0\blue128;\red128\green0\blue0;\red0\green128\blue0;\red128\green128\blue128;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 The left chart shows the relationship between likely defection (green) and 5 numeric fields (from the left): \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 age, \par number of children, \par income, \par avg monthly balance, \par avg monthly transactions \par \par Clearly, income and averge monthly balance are higher for likely defectors \par \par The 4 charts to the right confirm this trend and give more insight. Bar height shows likely defection rate (0->1) which clearly increases as income and avg balance increase (color shows record count) \par \par The major factors influencing defection can also be seen using the relationship finder \par (select Chart->Relation Finder) \par \par } c?Ü ?@@:2@bN@bN@bN@rEEEEE~~E ddg: Marital Status, likely defector, o??@@:&@Y@Y@mY@EE~~E dd?Home location, likely defector, o??@@:+@Y@Y@mY@iEE~~E ddgz:Occupation, likely defector, o??@@:&@Y@Y@uY@/EE~~E ddz?Education, likely defector, o??@@:+@Y@Y@uY@JEE CVDataHistE ddgzZ:Age, i??$@@Q@$@@Q@:&$@@Q@=?=?}=?$@fffff)@/@2@5@8@33333;@fffff>@@@fffffFB@C@9E@33333F@,H@fffffI@ K@L@33333N@̌O@33333P@@Q@EE ddzZ?Number of Children, i??@@:+@7Rڍ?7Rڍ?}7Rڍ??@@@EE ddg[W:Income, i??t@t@:&t@;;?;;?;;?r@@@@p@@@@p@X@@@@@|@p@d@X@L@@@t@EE dd[W?Avg monthly balance, i??0D@0D@:+0D@???@@L@@j@L@@@@j@@L@@@O@@@0D@EDefector Profiling (3){\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss\fprq2 System;}{\f3\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red128\green128\blue128;\red0\green0\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f3\fs16 To detect factors that distinguish likely defectors from loyal customers. \par (1) Select and activate the global filter (currently preset to likely defectors) \par } VlG8@>2ީ5@VlG8@Lw6@s9@::@hó:@f=@zz|CVDataO3E M>Avg monthly balance - Hierarchy, Reason to Defect - Hierarchy, q{\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green128\blue0;\red128\green128\blue128;\red128\green0\blue0;\red0\green0\blue128;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 Although not really part of the direct mailing case study., DataScope enables OLAP style data hierarchies to be defined and used to perform drill-down analysis of the data. \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 \par In this example, Data hierarchies have been defined on two dimensions: \par \par (1) average monthly balance \par (2) reason to defect \par \par To perform drill-down right click into the chart and select either hierarchy on X axis or Hierarchy on Z axis. Then select drill down. The currently selected bar in the 3D bar will be the focus of the drill down. \par \par Drill down can also performed on each of the two hierarchy dimensions individually as in the two chart below. Again, to perform drill-down, right click into the chart and select Hierarchy. \par } o?IIa ` ?CVData3D*Z? ľkK2|EEECVDataO2E ddMZAvg monthly balance - Hierarchy, k??@@:@@@@@@@EEE ddMZReason to Defect - Hierarchy, k??@@:@h@h@h@EEDrill-down analysis9@Of;@9@Of;@9@VW6@9@XW6@zz|E dd7aReason to defect, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green128\blue0;\red128\green0\blue0;\red128\green128\blue128;\red0\green0\blue128;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 (1) The most frequent worries (reasons given to defect ) given by customers are insufficient ATM's and long queues. However, these worries may not be the concerns of the bank's most valuable customers. \par } k?,|U?@@:M@h@h@h@EECVDataP3 7Y[G+Av M Bal, Rating of Product Range, Income, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red128\green128\blue128;\red0\green0\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 (3) By plotting account type onto color in this 3D scatter plot we can see a grouping of savings account customers (green & yellow points in the lower right) who have high balances but rate the banks product poorly. \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 \par The bank should target these and similar custoners with more information about their savings and investment products \par } ydefector@\dOjo?a#?LčP|r@4@pppp@p@p@ CVDataKP3E 7F'Reason to Defect, Av M Bal, Av M Tran, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red128\green128\blue128;\red0\green0\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 (2) This 3D bookshelf shows that customers worried about poor bank rates have the highest monthly balances and hence are potentially the most valuable. \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 \par Customers wanting long hours and concerned about longqueues undertake many transactions per month, but have lower balances and so are potentially of less value \par } k?#v?%?闾@hrEEE 7Y0Home Location, Account Type, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green128\blue0;\red128\green0\blue0;\red0\green0\blue128;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 (4) Looking at the customer demographics we can see that married people form the bulk of the bank customers with the majority of these residing in suburbs and small towns. \par } ?g?M?\q$VdP76iEEEExploratory Analysis (2)lG_78@(L9@lG_78@(L9@f9@Trp8@f9@Trp8@zz| CVDataDECE Customer value model results, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fnil MS Sans Serif;}{\f1\froman Symbol;}}{\colortbl\red0\green0\blue0;\red128\green0\blue0;\red0\green128\blue0;\red0\green0\blue128;\red128\green128\blue128;}\deflang1033\pard\plain\f0\fs17 }@@?]customer valueTcustomer value*__Qp?nݸ?ZX|ZZq?@UB?&^??>!ðZ?1謔?@=Hv?y?V+;???o*b?b9?&ʋ?p5Y? ???}J?0Gh?@|7?[y? ???:M?f"?ho?ܡ?Q???&6>? 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CSmallSteps(((((((((( ((((6;;;;;99 ;;; ;99;<<<<<<<<<222 LLL qJ;BD;;?BJDB;=; "L" (|}9 qq ******.***.**.***||99 uL22LFHFF$$$ QQ Q QQ $$$,&&qqm y22 0 z2,0,,00&,02 H? yzi , 0*.$M$$M QQMMMMMM0,,&,mw00s n ==============<=0&,& n q94444444@@HLL *02,2L& __\ __\__$77*7$$67Q&&&&] Z_ZXXXXXXXXXXXXXXXXX$$$$$444444VV&&,&omkko44 yqmyi `X ffffOdggbgMRMMMMQ ooXXVyVV&&VV VV T L $M MMMMMB -HR   j  u   {#!"$&#$')&'*,) .!0-".1#30$14%63&47'96(7:)<9*:=+?<,=@-B?.@C/EB0CF1E2I3KH4IL5ON6K7LP8O9S:WU;V<R=SX>[Z?W@X\A^[B\_Ca^D_bEdaFbeGgdHehIgJ kKnmLjMkoNqnOorPtQqRvSxuTvyUxV|W~{X|Y~Z[\]^_`abcdefg,hijklmnopqrstuvw/xyz{|}2~ 58AG&Qm      "* #%"/'):&!+-.*%02/035236895(;=:;>@A=    "$&(*,.024679;<=?@BDFHJ LM O QR T V X Z \] _`bdfg i k mno q s u w"yz"|}$$$$$$$$&&&&&&&&&(..29MMMM||customer value;d@E XCustomer lifetime value, i?@R@@R@:@R@j@j@Jj@*@&@0@5@:@?@B@D@G@I@L@N@P@Q@R@E CVDataLegendE dd Info Window, ?? CVDataDASEdefector ddX)DIRECT MAILING LIST (predicted defectors), @@??*d*d 2Modeling lifetime value (6):{\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green0\blue128;\red0\green128\blue0;\red128\green0\blue0;\red128\green128\blue128;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 The model for customer lifetime value is built using DataScope's \par \pard\plain\f2\fs16 decision support manager. Rather than derive the model by \par data mining, the bank's business rules for customer value are \par encoded into a decision criterion hierarchy. (DataScope also \par allows such decision hierachies to be learned from examples) \par \par To view the model select Tools->Decision Support Manager \par and then click Set parameters \par \par The chart left shows all of the customers ranked according \par to their lifetime value. This ranking can be used to select only \par the most valuable likely defectors for the direct mailing list. \par \par The speadsheet view below shows the final DIRECT MAILING LIST \par Only predicted defectors have been selected, their account number, \par predicted reason to defect and lifetime value can be exported to \par a spreadsheet or a database and used by the marketing \par department to drive the direct mailing campaign. \par } 9IJ<@[n 8@9IJ<@[n 8@]5@ 9@]5@ 9@zz| CVDataModelE ddu#232. Model: reason to defect (tree), {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss\fprq2 System;}{\f3\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green0\blue128;\red128\green128\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f3\fs16 The decision tree model built to predict reason to defect. \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f3\fs16 \par Rule prunning was one of the options selected to build this tree (see the advanced properties in the Prediction Model Builder). \par \par In this case, using prunning generated a tree with superior result to the tree built with no prunning selected. \par } !!?Vpw:d? CVDataGains CVDataLiftT  dduX#233. Gains: reason to defect (tree), {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss\fprq2 System;}{\f3\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green0\blue128;\red128\green128\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f3\fs16 The gains chart shows that the model (brown line) performs well against the default case in which a random prediction is made (green line) \par } a?G1+%?$@$@?$@Y@Y@:Y@ CVDataR2E ddu2Confusion Matrix for reason to defect model (tree), 0{\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss\fprq2 System;}{\f3\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green0\blue128;\red128\green128\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f3\fs16 The confusion matrix for the tree model built to predict the likely reason to defect is displayed as a 2D grid (left) and 3D bar (below). \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f3\fs16 \par In the 2D grid the size of the green squares represent number of records. while in the 3D bar it is bar height. \par \par The large green squares along the grid diagonal indicate where the model is correct. Off-diagonal squares indicate model errors. \par } o?$Q?@@$@@@@dE dduX%Confusion matrix for reason to defect, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss\fprq2 System;}{\f3\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red0\green0\blue128;\red128\green128\blue128;\red128\green0\blue0;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f3\fs16 Same confusion matrix as above, but this time expressed as a 3D bar chart. \par } o?uu4m׻?c;? @udEEE predicting defection reasons (5),8Ʒ8@H&;u:@,8Ʒ8@H&;u:@,8F9@/Ċ7@FXn9@/Ċ7@zz|E r!Model: predicted defectors (tree), {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}{\f3\fswiss\fprq2 System;}} {\colortbl\red0\green0\blue0;\red0\green128\blue0;\red0\green0\blue128;\red255\green0\blue0;\red0\green255\blue0;\red128\green0\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f0\fs16 Two models have been built to predict likely defectors. On the left is a decision tree model and below is a rule set. Both perform similarly. \par \par Often, many models can be build using different techniques (eg rules, regression, neural networks) and the results pooled to give better accuracy. \par } !!??E W%Model: Predicted defectors (rule set), !!?  CModelC45 Predicted defectors (rule set)CModelInputC45 rs Ji/ CModelDataC45IT"g? ף+@CRuleSet Age$@@Q@Avg monthly balance @0D@Avg monthly transactions?@Incomec@t@r12345 Income Groupu<7~u<7sDMSWMarital Statusu<7~u<7Number of Children@FMSexu<7~u<7JCJSPCPS Account Typeu<7~u<7 1234 Educationu<7~u<7J1234 Home Locationu<7~u<7i 110111223456789Occupation Typeu<7~u<7/IT"g?defectorloyallikely defectoru<7~u<7loyaldefector ?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????y@O@  ?????????????????1@  4????????????????????????????????????????????????????F@@   ???????????@@  ???????@C@  ????@C@  ??@  ????????????????????????????????@  ???????? @  2??????????????????????????????????????????????????B@,@  (????????????????????????????????????????A@@@   ?????????@@  ???????@|@  ??@|@  ??????@  ??????????????,@  ?????@@  ??@K@  ????@K@  ??????@?  ???????????"@@  %?????????????????????????????????????B@?  0????????????????????????????????????????????????D@ @  ???@  )?????????????????????????????????????????B@@   ???????@?   ????????????????0@   ??????????$@    ????????@@    ?????@@    ???@@   ????@  ?????????????????????????????:@@  ??????????????????????????:@0@  ???@0@  2??????????????????????????????????????????????????E@@  ??  ????????????????????????????<@   ????????????@@   ?????????@@B@  ?????@K@  ????@@K@  ???@B@  ?????????"@   4????????????????????????????????????????????????????H@@  ?????????????????*@@=@  ??  ???????? @  ????????@@  ????@  ????  ??@  #???????????????????????????????????A@=@  ??????????????????????????:@  %?????????????????????????????????????8@*@   ????????????????0@   ???????????????????@*@   ???@   ??@    ?????????????&@   ??@  ??@  )?????????????????????????????????????????B@@    ??????@@   ????@S@    ??@S@    ??   ??????????????,@   ???????????????????2@?   ??   "??????????????????????????????????@@?  Mb`??2 CNodeArray           d  #$)*./459:>?CDGHKNQRVW[\`afgjknorsxy|}f @ ף+@htrainY@iY@=Test record set of 'Copy of predicted defectors (tree)' modelDIt represents the test record set of a model. Column type: Discreteloyaldefector?8Hit column of 'Copy of predicted defectors (tree)' model8Hit column of 'Copy of predicted defectors (tree)' modelThis column shows the goodness of estimation. If the estimation is good, the hit value assigned to the column is 1, otherwise 0. Column type: NumerickkG *HGE7582nlkV10  !"#')+,.34567<=>?@EHJLMOQRWXZ]_bcdhlnoqrtwx{}~   !"#$%&'(-./03568:;>EJKPRVW[\^_`cefijnqrstuvwxy|}~  &'(),-/0124578:;=BCDFGJOSTUY\^aeghklmpqrstuwxy{}~   #$%(),-.=?BDOPRSTVYZ[\]^`defijoqrsuwxy~h   m p !"#K$%NtP  STUI *Y+[\^`a.efgvijkm3p6suvz9yz|{<G>?@A|}EHIKLMN!PQR"VWXZ[&]'_`bcdf*+ijno/%$34v6z8  |9:FD;<> @A)*+,124C79<=F?@ABCDFGHILMNOQSTUIXYZ]JabKdLghklmMopNQz{UWX_ab9210/-cCB(&Ag;:H &'() * + ,- M./01234#+* 5!6"7#8'9):+;,<.=%$/-(&83>4?5@6A7B<C=D>E?F9210;:@GEHHIJJLKMLOMK$N'I/GcFDCBAV#QNROWPXQZR]S_TP)S,T-U.Y2[4\5^7bUcVdWhXlYnZo[`9a:e>f?g@iBjCkDmFq\r]t^w_x`{a}b~cpIsLuNvOyRzS|UX!defgYZ[]^_`abehhijklmnopkmntuvxqrstuvwy~xyz{|}~      !"#$%&'(-./ )*+,03568:;>1 2 4 79<=?EJK@ABCDFG H!I"L%M&N'O(PRVW[\^_Q*S,T-U.X1Y2Z3]6`cefijna:b;d=g@hAkDlEmFoHqrstuvwxy|}~pIzS{TY\_acegjlnstwxy|~      !"# $ %&'      ()*+,-./0&1'2(3)4,5-6/7  !!""##$%%&*1+3.;08192:4;5<7=8>:?;@=A3G6K9Q<W>d?fBBCCDDFEGFJGOH@gAiEpHsIwK{L|M}NSITJUKYL\M^NPQRVWXZ[]_aOePgQhRkSlTmU`bcdfijnopVqWrXsYtZu[w\x]y^{_}`~avz|bcdefghijklmno  $)/pqrstu4578>BCJKMvwxyz{|PRUVW[]bd}~fkquvz{}       * + 068<HT\jq #$%(),-.!"&'*+/7521$0%=?34689:;<>HG EBDO@ACFI0J9K<L?MGNLPRSTVYZ[\]^QQU`WiXm_nlk"`defijohm abcgqrsuwxy~pt(vAzP{V|l}ozNOXZ^hpr=EroJ&n/an/a????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????8Hit column of 'Copy of predicted defectors (tree)' modelThis column shows the goodness of estimation. If the estimation is good, the hit value assigned to the column is 1, otherwise 0. Column type: Numeric:Score column of 'Copy of predicted defectors (tree)' model:Score column of 'Copy of predicted defectors (tree)' modelThis column shows the accuracy of estimation. The score value assigned to the column is between 0 and 1. A higher value indicates more accurate estimation. Column type: NumericnkI210~nlk=?HGE.-,)(%$#R ZOP^J][\.-$# " g!h&'()S\^aeeYc_^\[6V53T0/  !"#')*+,.345678<=>?@EHJLMOQRVWXZ]_bcdhlnoqrtwx{}~   %&'(8:;>EJKPRVW`fijnqrstuvwxy|}~  ,-/0124578:;=BCDFGOSTUYklmpqrstuwxy{}~  57BD`defijoqrsuwxyP34689   :;<N>K@AC !"#$%*+IF.GFIJ3KL6MN9DC<Q>?@ABA;EU:HIKLMNWPQRX92VWX1Z[]_`bcdfij0/-no_abcvgzh| (&m%ptvz{|}$  | )*+,1247z9<=?@ABCDFGHIyLMNOQSTUXYZ]abdghklmopz{vu   spmkjigf!"ea`&'^\*+[YU/TSH W Yh w ~kx !"#')*+,./l-m(&%$345678<=>?;D:G9T2U1Y0k@EHJLMONKI,G/F0D:C;BBACQRVWXZ]_P^\[YUTSbcdhlnom}kjigfea`qrtwx{}~|zy#v`uiszp{\^aegh&'()JXfv4578<>  IJOPG_     ]^.R-S$T#U"X![/%& ' (  )*+,6x5{3|0~8 : ;>1 2 4 79<=?EJK@ABCDFG H!I"L%M&N'O(_t^u\v[wPRVWQ*S,T-U.X1Y2Z3]6eqcs`fijna:b;d=g@hAkDlEmFoHFqrstu v!w"x#y$|%}&~'pIzS{Tl()*+,-./Y\_acegk01234567jlnstwx89:;<=>?@y|~jABCDEFGH:<iIJKLMNOPQgRSTUVWXYZ[\]^_` a bcd      `aefghijk&b'c(d)e,l-m/n  !!""##$$%%**++..0o1p2q4r5s7t8u:v;w=x336699<<>>??JDByCzD{F|G}O~@@AAEEHHIIKKLLMMNN\m^nSTUYPPQQRRVVWWXXZZ[[]]__gZh\aoepklm``bbccddffiijjnnoopqrstuwxy{}~vvzz||H$%&'(+ !"#/09CGKLMOQV =? Z[]^d m o pqr79Vzu.--.,/)0(1%2$3#4 !"&'*+/210=?5734689: ; <>H)G*E,OABD@ACF-I1J2K4L5M7N8R6Z@PB^C]K[L\MSfYrVyT}Q=UFWOXS_pn l k `defijoarbsctgyh{m~qrsuwxyptvz{|} $)+E?BNPRWbh ;Qqu}5NJU8>  5Rn/an/a??*Y7"?????*Y7"?*Y7"?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????*Y7"?*Y7"????????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"????????????*Y7"?*Y7"?*Y7"?*Y7"??*Y7"?*Y7"?????????????????????????*Y7"??????????*Y7"?????????????????*Y7"???????*Y7"???????????*Y7"????UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU?UUUUUU????????????????????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?????????????????????????*Y7"?*Y7"?*Y7"?*Y7"?*Y7"?*Y7"??????????????????????????????????????????? 5P? 5P??? 5P? 5P? 5P? 5P? 5P? 5P? 5P? 5P? 5P?UUUUUU??????????????????????????*Y7"?*Y7"?????۶m۶m?۶m۶m?۶m۶m?۶m۶m?? 5P? 5P? 5P? 5P? 5P? 5P? 5P? 5P?????????? 5P? 5P? 5P????*Y7"?*Y7"?*Y7"?*Y7"????????????۶m۶m?۶m۶m?۶m۶m??????????????????????????????????????????:Score column of 'Copy of predicted defectors (tree)' modelThis column shows the accuracy of estimation. The score value assigned to the column is between 0 and 1. A higher value indicates more accurate estimation. Column type: NumericEtest &Confusion matrix (predicted defectors), s{\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}{\f3\fswiss\fprq2 System;}} {\colortbl\red0\green0\blue0;\red0\green128\blue0;\red0\green0\blue128;\red255\green0\blue0;\red0\green255\blue0;\red128\green0\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 This confusion matrix (sometimes called a classification table) plots the known value versus predicted value for the decision tree model's target field - in this case "likely defector" \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 \par A confusion matrix allows us to see how the prediction model performs in more detail. For example we can see the number of false positives (where a predicted defector was actually loyal) and false negatives (where a likely defector was predicted as loyal). \par } o?jc?w?aX@`EEE~~E W training set, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}{\f3\fswiss\fprq2 System;}} {\colortbl\red0\green0\blue0;\red0\green128\blue0;\red0\green0\blue128;\red255\green0\blue0;\red0\green255\blue0;\red128\green0\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 The division of the 1000 records into traiing and test set was done as a random 50/50 split. \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 \par The chart left shows that the proportion of likely defectors (green) in the test and training sets is approx. equal - i.e. the divison is well balanced. \par } o?FΰR?@@:p@~@~@_~@EEET  ddWN!Gains: predicted defectors (tree), {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}{\f3\fswiss\fprq2 System;}} {\colortbl\red0\green0\blue0;\red0\green128\blue0;\red0\green0\blue128;\red255\green0\blue0;\red0\green255\blue0;\red128\green0\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f0\fs16 Gains, Lift and response charts can be used to see the "gain" or "lift" when using a model in a direct marketing context. In the gains chart left we can see that the gain from using the tree model is very small, this indicates that we have to do moie work to refine and improve the model. \par } a?d+?$@$@?:$@Y@Y@ZY@ predicting defectors (4)n M`4@ 9@n M`4@ 9@%N[d5@\n 8@DzB@Xn 8@zz|E - Info Window, ??E dd-Z#The database available for analysis, @@??r{| Ji/r{| Ji/2?3xNF b W r z p1   E dd-ZO_Labeling likely defectors, {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red128\green0\blue0;\red0\green0\blue128;\red0\green128\blue0;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 In many churn prevention scenarios a list of known churrners is available for use in undertaking churn modeling. \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 \par In this problem, no such list is available, instead we identify customers who are very unhappy with the banks products and services and label them as likely defectors/churners. \par \par In the chart on the left the likely defectors are coloured in red. Bar height inicates the number of customers \par } o?CŒy?b ?ɩA -EEESpreadsheet Data View (1) {\rtf1\ansi\deff0\deftab720{\fonttbl{\f0\fswiss MS Sans Serif;}{\f1\froman\fcharset2 Symbol;}{\f2\fswiss MS Sans Serif;}} {\colortbl\red0\green0\blue0;\red128\green0\blue0;\red0\green0\blue128;\red0\green128\blue0;\red128\green128\blue128;} \deflang1033\pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 DIRECT MARKETING FOR CHURN PREVENTION \par \pard\tx360\tx720\tx1080\tx1440\tx1800\tx2160\plain\f2\fs16 ---------------------------------------------------------------------------- \par A bank has recently conducted a survey in which 1000 customers were asked to rate the banks products and services on a scale of 1 to 10 and also \par indicate their most likely cause to defect (picking from 8 choices). This information was combined with account and demographics data to produce a database for analysis. \par \par The goal of this analysis is to undertake a direct mailing to likely defectors from a bank. Three models are built: \par (1) A model to predict likely defectors \par (2) A model to predict a customers likely reason to defect \par (3) A model to estimate the customers lifetime value \par \par In order to build these models we follow the standard data mining methodology: \par \par Step1 = Exploratory data analysis \par Look for immediate patterns and trends (see chartset = Exploratory Analysis) \par Look for relationships between the target field (likely defectors) and the possible model inputs (see chartset = Defector Profiing) \par this helps select the best subset of fields to use for the modeling phase \par Step2 = Build and test a model to predict likely defectors (see chartset = Predicting Defectors) \par Step3 = Build and test a model to predict the likely reason to defect (see chartset = Predicting defection reason) \par Step4 = Build and test a model to predict customer lifetime value (see chartset = Modeling lifetime value) \par Step5 = Apply the models and generate the direct mailing list (also see chartset = Modeling lifetime value) \par \par } 9@9@9@9@9@9@9@9@customer valuecustomer valueT CDataHttpSrv CDataOptA?@```pxArial`aԉaArialhaԉa<5 (1"ތ ($Arialxa܉aArialaaArialpaaArialaaArialaaAriala aArialaaArialaa CRelFinder??P  /CRelFinderColumnW WWWWWW*WHWJWgWiWrWsWyWWWWWW-W/WW{W| WWWWWWWWWWWWrWxWWWWWWWWWdwwPgE룎? 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T8? |5U?-|5U?.CRelFinderFilter ? $@$@$@$@$@$@$@$@$@~Վi?^ވo$@D2?$@ll?$@$@>,^?$@gE룎?$@\3 ?$@$@$@wvx?$@b\?$@$@$@$@{y=e?$@$@$@y&Hi?$@$@$@$@$@$@$@$@ $@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@ޔ?$@xB?$@=Qw?$@$@$@)/?$@ع?$@$@$@$@$@$@$@$@܄?$@$@$@$@$@$@$@$@$@~R;?$@A>uG?$@$@$@$@$@$@$@$@Pg?$@$@$@$@$@$@$@$@$@$@$@$@$@$@lKbe?$@$@$@$@$@$@$@$@$@% ^?$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@$@[yt1024*768uvvy CWizImportDataODBC;DSN=Excel Files;DBQ=C:\dmine\data\finance\Banking CRM cityview.xls;DefaultDir=C:\dmine\data\finance;DriverId=790;MaxBufferSize=2048;PageTimeout=5; Excel FilesCRMCIWProjFieldArrayCIWFieldCRMIncomeIncomeF001Income SQL_DOUBLECRM Income Group Income GroupF002 Income Group SQL_DOUBLECRMAv M BalAv M BalF003Avg monthly balance SQL_DOUBLECRM Av M Tran Av M TranF004Avg monthly transactions SQL_DOUBLECRMAgeAgeF005Age SQL_DOUBLECRMNumberF006Number SQL_DOUBLECRM Account TypeF007 Account Type SQL_VARCHARCRMAverage Holiday SpendingF008Average Holiday Spending SQL_DOUBLECRMSexF009Sex SQL_VARCHARCRMOccupation TypeF010Occupation Type SQL_DOUBLE CRM EducationF011 Education SQL_DOUBLE CRMMarital StatusF012Marital Status SQL_VARCHAR CRMNumber of ChildrenF013Number of Children SQL_DOUBLE CRM Home LocationF014 Home Location SQL_DOUBLE CRMLikely Reason to SwitchF015Reason to Switch SQL_DOUBLECRMRating of Product RangeF016Rating of Product Range SQL_DOUBLECRMRating of CustomerServiceF017Rating of CustomerService SQL_DOUBLECIWFilterArrayd[none] CIWFilter CDMObjDataMap CDMObjectCDMObjDatasource CDMObjTablesCDMObjOneTableCDMObjOneFieldMarkersMarkers CDMObjPrimaryKeyCDMObjFieldGroupsCDMObjCalcFields) Unknown type. _unknown_ Numeric type._number_ String type._string_ Logical type._bool_ Date type._date__number_ Integer type. _integer_. CDMObjHierarchiesCDMObjOneHierarchy,,CDMObjTAModelsCDMObjRelationsdefector9@9@9@9@9@9@9@9@ CActiveRecord  !"#$CARSI_O2 CARSI_Type $3000 -> $6000CProtectionData , CModelArray CDSParameter base rateBase loan rate 333333@n/a CDSMeasureaverage income?Created from expression 'avg("Income")'. Measure type: Numeric avg("Income")t-[@n/a CMeasureDerivr avg("Income")income qualitynumber of blank fieldsnacount("Income")n/arnacount("Income")spqr ,""CDlgDepDispData