Income Limit Rating Cards Age Education Gender Student Married

7 20.996 3388 259 2 37 12 Female No No

15 19.144 3291 269 2 75 13 Female No No
41 34.95 3327 253 3 54 14 Female No No
68 11.187 5099 380 4 69 16 Female No No
90 59.53 7518 543 3 52 9 Female No No
95 38.009 3075 245 3 45 15 Female No No
112 28.575 2959 231 2 60 11 Female No No
116 40.442 4828 369 5 81 8 Female No No
124 11.808 1300 117 3 77 14 Female No No
136 44.473 3500 257 3 81 16 Female No No
137 54.663 4116 314 2 70 8 Female No No
144 19.636 4896 387 3 64 10 Female No No
164 13.676 2330 203 5 80 16 Female No No
186 30.42 4442 316 1 30 14 Female No No
198 50.699 3977 304 2 84 17 Female No No
222 98.515 8760 633 5 78 11 Female No No
229 69.165 4668 341 2 34 11 Female No No
264 29.725 3536 270 2 52 15 Female No No
275 30.55 5869 439 5 81 9 Female No No
281 53.401 5319 377 3 35 12 Female No No
282 36.142 1852 183 3 33 13 Female No No
299 20.791 2672 204 1 70 18 Female No No
363 26.162 5101 382 3 62 19 Female No No
377 87.625 7167 515 2 46 10 Female No No
381 115.123 7760 538 3 83 14 Female No No
99 36.295 2963 241 2 68 14 Female Yes No
204 68.206 6784 499 5 40 16 Female Yes No
28 32.793 4534 333 2 44 16 Male No No
94 16.479 5435 388 2 26 16 Male No No
140 107.841 10384 728 3 87 7 Male No No
167 35.691 2880 214 2 35 15 Male No No
175 121.834 10673 750 3 54 16 Male No No
187 36.472 3806 309 2 52 13 Male No No
189 83.869 7667 554 2 83 11 Male No No
209 51.345 4327 320 3 46 15 Male No No
214 39.422 5245 383 2 44 19 Male No No
231 33.214 5137 387 3 59 9 Male No No
256 58.063 4221 304 3 50 8 Male No No
315 115.52 9272 656 2 69 14 Male No No
340 149.316 10278 707 1 80 16 Male No No
368 23.793 3615 263 2 70 14 Male No No
385 20.088 1870 180 3 76 16 Male No No
387 19.253 3683 287 4 57 10 Male No No
394 17.316 1335 138 2 65 13 Male No No
397 13.364 3838 296 5 65 17 Male No No
129 123.299 8376 610 2 89 17 Male Yes No
311 33.694 4891 369 1 52 16 Male Yes No
16 20.089 2525 200 3 57 15 Female No Yes
17 53.598 3714 286 3 73 17 Female No Yes
26 14.09 4323 326 5 25 16 Female No Yes
29 186.634 13414 949 2 41 14 Female No Yes
65 32.164 2937 223 2 79 15 Female No Yes
96 14.084 855 120 5 46 17 Female No Yes
98 26.067 3388 266 4 74 17 Female No Yes
134 21.455 5829 427 4 80 12 Female No Yes
135 34.664 5835 452 3 77 15 Female No Yes
151 63.931 5728 435 3 28 14 Female No Yes
183 58.929 6420 459 2 66 9 Female No Yes
196 23.883 5384 398 2 73 16 Female No Yes
199 27.349 2000 169 4 51 16 Female No Yes
210 151.947 9156 642 2 91 11 Female No Yes
236 10.503 2923 232 3 25 18 Female No Yes
246 34.509 2001 189 5 80 18 Female No Yes
266 40.885 5013 379 3 46 13 Female No Yes
300 24.919 5051 372 3 76 11 Female No Yes
341 27.794 3807 301 4 35 8 Female No Yes
356 180.682 11966 832 2 58 8 Female No Yes
10 71.061 6819 491 3 41 19 Female Yes Yes
131 23.793 3821 281 4 56 12 Female Yes Yes
141 39.831 6045 459 3 32 12 Female Yes Yes
23 20.103 2631 213 3 61 10 Male No Yes
24 64.027 5179 398 5 48 8 Male No Yes
51 36.362 5183 376 3 49 15 Male No Yes
52 39.705 3969 301 2 27 20 Male No Yes
76 33.017 3180 224 2 28 16 Male No Yes
89 15.56 4307 352 4 57 8 Male No Yes
91 20.191 5767 431 4 42 16 Male No Yes
130 18.145 3461 279 3 56 15 Male No Yes
133 23.283 5443 407 4 49 13 Male No Yes
155 55.056 3155 235 2 31 16 Male No Yes
174 14.887 4745 339 3 58 12 Male No Yes
182 46.102 5180 382 3 81 12 Male No Yes
195 30.406 2120 181 2 79 14 Male No Yes
197 93.039 7398 517 1 67 12 Male No Yes
201 23.949 5343 383 2 40 18 Male No Yes
235 69.656 8244 579 3 41 14 Male No Yes
242 15.602 906 103 2 36 11 Male No Yes
254 85.425 5182 402 6 60 12 Male No Yes
294 140.672 11200 817 7 46 9 Male No Yes
304 44.061 4970 352 1 79 11 Male No Yes
320 27.59 2586 229 5 54 16 Male No Yes
334 21.011 3402 261 2 68 17 Male No Yes
338 12.414 855 119 3 32 12 Male No Yes
343 14.595 2955 260 5 37 9 Male No Yes
353 104.483 7140 507 2 41 14 Male No Yes
360 12.335 4471 344 3 79 12 Male No Yes
42 113.659 7659 538 2 66 15 Male Yes Yes
50 43.479 4569 354 4 49 13 Male Yes Yes
321 16.279 1160 126 3 78 13 Male Yes Yes
4 148.924 9504 681 3 36 11 Female No No
21 17.7 2860 235 4 63 16 Female No No
61 35.51 5198 364 2 35 20 Female No No
78 20.936 3254 253 1 30 15 Female No No
88 11.741 2271 182 4 59 12 Female No No
247 19.588 3211 265 4 59 14 Female No No
257 25.936 1774 135 2 71 14 Female No No
328 49.166 6662 508 3 68 14 Female No No
386 26.4 5640 398 3 58 15 Female No No
400 18.701 5524 415 5 64 7 Female No No
192 124.29 9560 701 3 52 17 Female Yes No
221 44.847 5765 437 3 53 13 Female Yes No
273 30.413 3690 299 2 25 15 Female Yes No
3 104.593 7075 514 4 71 11 Male No No
8 71.408 7114 512 2 87 9 Male No No
20 42.079 6626 479 2 44 9 Male No No
80 15.354 2101 171 2 65 14 Male No No
108 39.11 3189 263 3 72 12 Male No No
143 103.893 7416 549 3 84 17 Male No No
146 19.529 4673 341 2 51 14 Male No No
160 53.319 3000 235 3 53 13 Male No No
171 34.772 2021 167 3 57 9 Male No No
173 76.348 4697 344 4 60 18 Male No No
188 23.365 2179 167 2 75 15 Male No No
217 15.476 2762 215 3 60 18 Male No No
309 14.956 4640 332 2 33 6 Male No No
317 52.179 7306 522 2 57 14 Male No No
388 16.529 1357 126 3 62 9 Male No No
393 25.974 2308 196 2 24 10 Male No No
97 14.312 5382 367 1 59 17 Male Yes No
274 16.751 4706 353 6 48 14 Male Yes No
331 20.405 4543 329 2 72 17 Male Yes No
13 80.616 5308 394 1 57 7 Female No Yes
18 36.496 4378 339 3 69 15 Female No Yes
19 49.57 6384 448 1 28 9 Female No Yes
35 20.15 2646 199 2 25 14 Female No Yes
43 44.158 4763 351 2 66 13 Female No Yes
44 36.929 6257 445 1 24 14 Female No Yes
55 15.333 1499 138 2 47 9 Female No Yes
56 32.916 1786 154 2 60 8 Female No Yes
57 57.1 4742 372 7 79 18 Female No Yes
 67 113.829 9704 694 4 38 13 Female No Yes
72 58.781 7402 538 2 81 12 Female No Yes
73 22.939 4923 355 1 47 18 Female No Yes
86 152.298 12066 828 4 41 12 Female No Yes
111 34.537 3271 250 3 57 17 Female No Yes
114 69.251 6386 474 4 30 12 Female No Yes
121 27.241 1402 128 2 67 15 Female No Yes
156 19.537 1362 143 4 34 9 Female No Yes
159 42.357 5550 406 2 83 12 Female No Yes
169 27.47 2820 219 1 32 11 Female No Yes
178 22.379 3965 292 2 34 14 Female No Yes
184 80.861 4090 335 3 29 15 Female No Yes
226 15.079 5673 411 4 28 15 Female No Yes
240 27.952 3557 263 1 35 13 Female No Yes
241 29.705 3351 262 5 71 14 Female No Yes
251 10.363 2430 191 2 47 18 Female No Yes
268 29.638 5833 433 3 29 15 Female No Yes
286 18.967 1626 156 2 41 11 Female No Yes
289 16.711 5274 387 3 42 16 Female No Yes
305 82.706 7506 536 2 64 13 Female No Yes
306 24.46 1924 165 2 50 14 Female No Yes
308 75.406 3874 298 3 41 14 Female No Yes
314 92.386 7685 534 2 75 18 Female No Yes
350 48.577 5145 389 3 71 13 Female No Yes
355 12.068 3873 292 1 44 18 Female No Yes
362 53.217 4943 362 2 46 16 Female No Yes
391 135.118 10578 747 3 81 15 Female No Yes
2 106.025 6645 483 3 82 15 Female Yes Yes
47 19.531 5043 376 2 64 16 Female Yes Yes
127 26.427 5533 433 5 50 15 Female Yes Yes
219 10.627 1647 149 2 71 10 Female Yes Yes
243 20.918 1233 128 3 47 18 Female Yes Yes
262 180.379 9310 665 3 67 8 Female Yes Yes
32 28.941 2733 210 5 43 16 Male No Yes
49 44.522 2252 205 6 72 15 Male No Yes
54 16.304 5466 413 4 66 10 Male No Yes
107 16.819 1337 115 2 74 15 Male No Yes
110 13.561 3261 279 5 37 19 Male No Yes
118 91.362 9113 626 1 47 17 Male No Yes
132 10.726 1568 162 5 46 19 Male No Yes
138 36.355 3613 278 4 35 9 Male No Yes
150 13.444 886 121 5 44 10 Male No Yes
165 76.782 5977 429 4 44 12 Male No Yes
181 10.635 3584 294 5 69 16 Male No Yes
193 28.508 3933 287 4 56 14 Male No Yes
200 10.403 4159 310 3 43 7 Male No Yes
224 27.512 4613 344 5 72 17 Male No Yes
230 69.943 7555 547 3 76 9 Male No Yes
233 15.741 4788 360 1 39 14 Male No Yes
237 42.529 4986 369 2 37 11 Male No Yes
238 60.579 5149 388 5 38 15 Male No Yes
258 15.629 2493 186 1 60 14 Male No Yes
261 67.937 5184 383 4 63 12 Male No Yes
291 26.37 3235 268 5 78 11 Male No Yes
295 42.915 2532 205 4 42 13 Male No Yes
298 55.054 4381 321 3 74 17 Male No Yes
345 48.218 5199 401 7 39 10 Male No Yes
347 21.551 5380 420 5 51 18 Male No Yes
358 39.609 2539 188 1 40 14 Male No Yes
365 128.669 9824 685 3 67 16 Male No Yes
325 31.029 2863 223 2 66 17 Male Yes Yes
9 15.125 3300 266 5 66 13 Female No No
22 37.348 6378 458 1 72 17 Female No No
25 10.742 1757 156 3 57 15 Female No No
30 26.813 5611 411 4 55 16 Female No No
33 134.181 7838 563 2 48 13 Female No No
39 11.795 3899 300 4 25 10 Female No No
60 51.872 5294 390 4 81 17 Female No No
62 21.238 3089 254 3 59 10 Female No No
63 30.682 1671 160 2 77 7 Female No No
84 19.225 1433 122 3 38 14 Female No No
105 15.846 4768 365 4 53 12 Female No No
117 35.177 2117 186 3 62 16 Female No No
119 27.039 2161 173 3 40 17 Female No No
123 62.602 7056 481 1 84 11 Female No No
128 57.202 3411 259 3 72 11 Female No No
161 12.238 4865 381 5 67 11 Female No No
179 28.316 4391 316 2 29 10 Female No No
180 58.026 7499 560 5 67 11 Female No No
205 57.337 5310 392 2 45 7 Female No No
220 38.954 5222 370 4 76 13 Female No No
227 59.879 6906 527 6 78 15 Female No No
245 22.561 1787 147 4 66 15 Female No No
253 72.945 8603 621 3 64 8 Female No No
260 33.657 6196 450 6 55 9 Female No No
272 44.978 4866 347 1 30 10 Female No No
277 23.106 3476 257 2 50 15 Female No No
287 18.036 1552 142 2 48 15 Female No No
302 31.335 3526 289 3 38 7 Female No No
319 18.951 1485 129 3 82 13 Female No No
361 53.566 5891 434 4 82 10 Female No No
369 89 5759 440 3 37 6 Female No No
389 37.878 6827 482 2 80 13 Female No No
392 73.327 6555 472 2 43 15 Female No No
 27 42.471 3625 289 6 44 12 Female Yes No
36 23.35 2558 220 3 49 12 Female Yes No
102 17.976 2433 190 3 70 16 Female Yes No
153 41.419 2120 184 4 24 11 Female Yes No
280 54.319 3063 248 3 59 8 Female Yes No
373 19.782 3782 293 2 46 16 Female Yes No
6 80.18 8047 569 4 77 10 Male No No
12 15.045 1311 138 3 64 16 Male No No
64 14.132 2998 251 4 75 17 Male No No
74 23.989 4523 338 4 31 15 Male No No
82 53.48 4263 317 1 83 15 Male No No
83 23.672 4433 344 3 63 11 Male No No
85 43.54 2906 232 4 69 11 Male No No
93 30.733 2832 249 4 51 13 Male No No
100 83.851 8494 607 5 47 18 Male No No
101 21.153 3736 256 1 41 11 Male No No
104 146.183 9540 682 6 66 15 Male No No
115 16.482 3326 268 4 41 15 Male No No
120 23.012 1410 137 3 81 16 Male No No
154 92.112 4612 344 3 32 17 Male No No
176 30.132 2168 206 3 52 17 Male No No
206 10.793 3878 321 8 29 13 Male No No
207 23.45 2450 180 2 78 13 Male No No
212 29.567 5309 397 3 25 15 Male No No
248 36.364 2220 188 3 50 19 Male No No
269 25.988 1349 142 4 82 12 Male No No
271 15.866 3085 217 1 39 13 Male No No
290 10.852 3907 296 2 30 9 Male No No
323 27.229 3484 282 6 51 11 Male No No
333 62.328 5228 377 3 83 15 Male No No
337 32.856 5884 438 4 68 13 Male No No
339 41.365 5303 377 1 45 14 Male No No
348 160.231 10748 754 2 69 17 Male No No
354 41.868 4716 342 2 47 18 Male No No
357 34.48 6090 442 3 36 14 Male No No
371 35.61 6135 466 4 40 12 Male No No
372 39.116 2150 173 4 75 15 Male No No
390 83.948 7100 503 2 44 18 Male No No
395 49.794 5758 410 4 40 8 Male No No
77 30.622 3293 251 1 68 16 Male Yes No
103 68.713 7582 531 2 56 16 Male Yes No
223 33.437 6207 451 4 44 9 Male Yes No
383 24.824 5495 409 1 33 9 Male Yes No
31 34.142 5666 413 4 47 5 Female No Yes
37 62.413 6457 455 2 71 11 Female No Yes
38 30.007 6481 462 2 69 9 Female No Yes
45 31.861 6375 469 3 25 16 Female No Yes
 46 77.38 7569 564 3 50 12 Female No Yes
58 76.273 4779 367 4 65 14 Female No Yes
66 12 4160 320 4 28 14 Female No Yes
69 27.847 5619 418 2 78 15 Female No Yes
75 16.103 5390 418 4 45 10 Female No Yes
79 110.968 6662 468 3 45 11 Female No Yes
81 27.369 3449 288 3 40 9 Female No Yes
106 12.031 3182 259 2 58 18 Female No Yes
125 29.564 2529 192 1 30 12 Female No Yes
126 27.578 2531 195 1 34 15 Female No Yes
139 21.374 2073 175 2 74 11 Female No Yes
147 17.055 5110 371 3 55 15 Female No Yes
149 15.184 2420 192 2 69 11 Female No Yes
152 35.864 4831 353 3 66 13 Female No Yes
157 31.811 4284 338 5 75 13 Female No Yes
168 29.403 2327 178 1 37 14 Female No Yes
170 27.33 6179 459 4 36 12 Female No Yes
172 36.934 4270 299 1 63 9 Female No Yes
185 158.889 11589 805 1 62 17 Female No Yes
190 58.351 4411 326 2 85 16 Female No Yes
191 55.187 5352 385 4 50 17 Female No Yes
194 130.209 10088 730 7 39 19 Female No Yes
202 73.914 7333 529 6 67 15 Female No Yes
203 21.038 1448 145 2 58 13 Female No Yes
211 24.543 3206 243 2 62 12 Female No Yes
215 34.909 5289 410 2 62 16 Female No Yes
216 41.025 4229 337 3 79 19 Female No Yes
228 66.989 5614 430 3 47 14 Female No Yes
239 26.532 2910 236 6 58 19 Female No Yes
244 58.165 6617 460 1 56 12 Female No Yes
255 36.508 6386 469 4 79 6 Female No Yes
263 10.588 4049 296 1 66 13 Female No Yes
267 88.83 4952 360 4 86 16 Female No Yes
270 39.055 5565 410 4 48 18 Female No Yes
279 128.04 6982 518 2 78 11 Female No Yes
283 63.534 8100 581 2 50 17 Female No Yes
284 49.927 6396 485 3 75 17 Female No Yes
292 24.088 3665 287 4 56 13 Female No Yes
296 27.272 1389 149 5 67 10 Female No Yes
297 65.896 5140 370 1 49 17 Female No Yes
303 59.855 4964 365 1 46 13 Female No Yes
310 75.257 7010 494 3 34 18 Female No Yes
312 23.375 5429 396 3 57 15 Female No Yes
322 25.078 3096 236 2 27 15 Female No Yes
326 17.765 5072 364 1 66 12 Female No Yes
329 41.192 3673 297 3 54 16 Female No Yes
330 94.193 7576 527 2 44 16 Female No Yes
335 24.23 4756 351 2 64 15 Female No Yes
336 24.314 3409 270 2 23 7 Female No Yes
342 13.234 3922 299 2 77 17 Female No Yes
344 10.735 3746 280 2 44 17 Female No Yes
351 30.002 1561 155 4 70 13 Female No Yes
375 29.4 4840 368 3 76 18 Female No Yes
376 20.974 5673 413 5 44 16 Female No Yes
398 57.872 4171 321 5 67 12 Female No Yes
158 56.256 5521 406 2 72 16 Female Yes Yes
208 10.842 4391 358 5 37 10 Female Yes Yes
250 22.574 1551 134 3 43 13 Female Yes Yes
374 55.412 5354 383 2 37 16 Female Yes Yes
1 14.891 3606 283 2 34 11 Male No Yes
5 55.882 4897 357 2 68 16 Male No Yes
11 63.095 8117 589 4 30 14 Male No Yes
14 43.682 6922 511 1 49 9 Male No Yes
34 31.367 1829 162 4 30 10 Male No Yes
40 13.647 3461 264 4 47 14 Male No Yes
53 44.205 5441 394 1 32 12 Male No Yes
59 10.354 3480 281 2 70 17 Male No Yes
70 49.502 6819 505 4 55 14 Male No Yes
71 24.889 3954 318 4 75 12 Male No Yes
87 55.367 6340 448 1 33 15 Male No Yes
92 48.498 6040 456 3 47 16 Male No Yes
109 107.986 6033 449 4 64 14 Male No Yes
113 46.007 6637 491 4 42 14 Male No Yes
122 148.08 8157 599 2 83 13 Male No Yes
142 91.876 6754 483 2 33 10 Male No Yes
145 17.392 2748 228 3 32 14 Male No Yes
148 23.857 1501 150 3 56 16 Male No Yes
162 31.353 1705 160 3 81 14 Male No Yes
163 63.809 7530 515 1 56 12 Male No Yes
166 25.383 4527 367 4 46 11 Male No Yes
177 24.05 2607 221 4 32 18 Male No Yes
213 39.145 4351 323 2 66 13 Male No Yes
218 12.456 5395 392 3 65 14 Male No Yes
225 121.709 7818 584 4 50 6 Male No Yes
232 25.124 4776 378 4 29 12 Male No Yes
234 11.603 2278 187 3 71 11 Male No Yes
252 28.474 3202 267 5 66 12 Male No Yes
259 41.4 2561 215 2 36 14 Male No Yes
265 27.999 5107 380 1 55 10 Male No Yes
276 163.329 8732 636 3 50 14 Male No Yes
278 41.532 5000 353 2 50 12 Male No Yes
285 14.711 2047 167 2 67 6 Male No Yes
288 60.449 3098 272 4 69 8 Male No Yes
293 51.532 5096 380 2 31 15 Male No Yes
301 21.786 4632 355 1 50 17 Male No Yes
307 45.12 3762 287 3 80 8 Male No Yes
313 27.825 5227 386 6 63 11 Male No Yes
316 14.479 3907 296 3 43 16 Male No Yes
318 68.462 4712 340 2 71 16 Male No Yes
324 182.728 13913 982 4 98 17 Male No Yes
327 125.48 10230 721 3 82 16 Male No Yes
332 12.581 3976 291 2 48 16 Male No Yes
346 30.012 1511 137 2 33 17 Male No Yes
349 13.433 1134 112 3 70 14 Male No Yes
352 61.62 5140 374 1 71 9 Male No Yes
359 30.111 4336 339 1 81 18 Male No Yes
364 64.173 6127 433 1 80 10 Male No Yes
367 61.069 7871 564 3 56 14 Male No Yes
370 71.682 8028 599 3 57 16 Male No Yes
378 28.144 1567 142 3 51 10 Male No Yes
379 19.349 4941 366 1 33 19 Male No Yes
380 53.308 2860 214 1 84 10 Male No Yes
382 101.788 8029 574 2 84 11 Male No Yes
384 14.292 3274 282 9 64 9 Male No Yes
396 12.096 4100 307 3 32 13 Male No Yes
399 37.728 2525 192 1 44 13 Male No Yes
48 44.646 4431 320 2 49 15 Male Yes Yes
249 15.717 905 93 1 38 16 Male Yes Yes
366 113.772 6442 489 4 69 15 Male Yes Yes
Ethnicity Balance
African American 203
African American 148
African American 50
African American 889
African American 1176
African American 0
African American 0
African American 510
African American 0
African American 8
African American 75
African American 710
African American 0
African American 450
African American 69
African American 1230
African American 156
African American 133
African American 967
African American 541
African American 0
African American 0
African American 710
African American 767
African American 661
African American 375
African American 1411
African American 467
African American 937
African American 1597
African American 0
African American 1573
African American 188
African American 930
African American 230
African American 637
African American 661
African American 118
African American 1140
African American 1107
African American 216
African American 0
African American 371
African American 0
African American 480
African American 1259
African American 1036
African American 0
African American 0
African American 671
African American 1809
African American 0
African American 0
African American 155
African American 1018
African American 835
African American 581
African American 789
African American 802
African American 0
African American 732
African American 191
African American 0
African American 549
African American 711
African American 320
African American 1405
African American 1350
African American 868
African American 1425
African American 0
African American 411
African American 654
African American 211
African American 29
African American 579
African American 1023
African American 255
African American 912
African American 0
African American 724
African American 516
African American 0
African American 749
African American 829
African American 1329
African American 0
African American 218
African American 1677
African American 414
African American 0
African American 182
African American 0
African American 204
African American 583
African American 611
African American 1155
African American 902
African American 5
Asian 964
Asian 89
Asian 631
Asian 145
Asian 0
Asian 199
Asian 0
Asian 984
Asian 905
Asian 966
Asian 1687
Asian 1246
Asian 728
Asian 580
Asian 872
Asian 1048
Asian 0
Asian 0
Asian 669
Asian 642
Asian 0
Asian 0
Asian 108
Asian 0
Asian 52
Asian 681
Asian 1142
Asian 0
Asian 0
Asian 1380
Asian 1255
Asian 1054
Asian 204
Asian 368
Asian 891
Asian 0
Asian 385
Asian 976
Asian 0
Asian 0
Asian 379
Asian 1388
Asian 1103
Asian 663
Asian 1779
Asian 47
Asian 768
Asian 0
Asian 0
Asian 653
Asian 0
Asian 384
Asian 0
Asian 1075
Asian 163
Asian 148
Asian 0
Asian 942
Asian 0
Asian 863
Asian 905
Asian 0
Asian 0
Asian 843
Asian 503
Asian 413
Asian 382
Asian 1393
Asian 903
Asian 1241
Asian 1404
Asian 195
Asian 16
Asian 1050
Asian 0
Asian 0
Asian 957
Asian 0
Asian 297
Asian 1341
Asian 0
Asian 187
Asian 0
Asian 548
Asian 423
Asian 336
Asian 571
Asian 573
Asian 1058
Asian 689
Asian 489
Asian 443
Asian 0
Asian 345
Asian 159
Asian 0
Asian 188
Asian 633
Asian 907
Asian 0
Asian 1243
Asian 415
Caucasian 279
Caucasian 968
Caucasian 0
Caucasian 915
Caucasian 526
Caucasian 531
Caucasian 531
Caucasian 108
Caucasian 0
Caucasian 0
Caucasian 745
Caucasian 0
Caucasian 0
Caucasian 904
Caucasian 0
Caucasian 836
Caucasian 453
Caucasian 1237
Caucasian 456
Caucasian 653
Caucasian 1032
Caucasian 0
Caucasian 1355
Caucasian 1092
Caucasian 436
Caucasian 209
Caucasian 0
Caucasian 172
Caucasian 0
Caucasian 712
Caucasian 345
Caucasian 1129
Caucasian 721
Caucasian 654
Caucasian 419
Caucasian 431
Caucasian 156
Caucasian 269
Caucasian 840
Caucasian 1151
Caucasian 0
Caucasian 133
Caucasian 601
Caucasian 99
Caucasian 503
Caucasian 0
Caucasian 0
Caucasian 1311
Caucasian 298
Caucasian 1050
Caucasian 271
Caucasian 0
Caucasian 0
Caucasian 0
Caucasian 638
Caucasian 0
Caucasian 799
Caucasian 0
Caucasian 0
Caucasian 136
Caucasian 485
Caucasian 265
Caucasian 380
Caucasian 926
Caucasian 606
Caucasian 1192
Caucasian 425
Caucasian 962
Caucasian 992
Caucasian 0
Caucasian 806
Caucasian 734
Caucasian 532
Caucasian 1587
Caucasian 1549
Caucasian 1352
Caucasian 863
Caucasian 762
Caucasian 1093
Caucasian 1120
Caucasian 997
Caucasian 133
Caucasian 602
Caucasian 822
Caucasian 945
Caucasian 391
Caucasian 162
Caucasian 210
Caucasian 0
Caucasian 0
Caucasian 0
Caucasian 805
Caucasian 0
Caucasian 534
Caucasian 429
Caucasian 0
Caucasian 1099
Caucasian 283
Caucasian 1448
Caucasian 126
Caucasian 538
Caucasian 1426
Caucasian 1048
Caucasian 0
Caucasian 95
Caucasian 681
Caucasian 246
Caucasian 482
Caucasian 52
Caucasian 856
Caucasian 1048
Caucasian 465
Caucasian 15
Caucasian 772
Caucasian 250
Caucasian 1298
Caucasian 890
Caucasian 309
Caucasian 0
Caucasian 293
Caucasian 295
Caucasian 885
Caucasian 844
Caucasian 81
Caucasian 732
Caucasian 121
Caucasian 846
Caucasian 594
Caucasian 194
Caucasian 426
Caucasian 410
Caucasian 0
Caucasian 588
Caucasian 1000
Caucasian 138
Caucasian 1020
Caucasian 1216
Caucasian 98
Caucasian 1003
Caucasian 333
Caucasian 331
Caucasian 1407
Caucasian 1081
Caucasian 0
Caucasian 344
Caucasian 607
Caucasian 333
Caucasian 1084
Caucasian 357
Caucasian 815
Caucasian 812
Caucasian 227
Caucasian 1046
Caucasian 454
Caucasian 605
Caucasian 68
Caucasian 0
Caucasian 0
Caucasian 1086
Caucasian 570
Caucasian 0
Caucasian 308
Caucasian 955
Caucasian 701
Caucasian 657
Caucasian 0
Caucasian 132
Caucasian 0
Caucasian 651
Caucasian 529
Caucasian 531
Caucasian 0
Caucasian 0
Caucasian 481
Caucasian 580
Caucasian 70
Caucasian 823
Caucasian 463
Caucasian 136
Caucasian 1999
Caucasian 1361
Caucasian 474
Caucasian 0
Caucasian 0
Caucasian 302
Caucasian 347
Caucasian 578
Caucasian 1264
Caucasian 1208
Caucasian 0
Caucasian 717
Caucasian 0
Caucasian 849
Caucasian 382
Caucasian 560
Caucasian 0
Caucasian 797
Caucasian 0
Caucasian 790
A company manager says that the average balance on their credit cards is $50

Lets create a hypothetical situation where

(Null Hypothesis) H0 : Mean balance of credit card = 500
(Alternative Hypothesis) H1 :Mean balance of credit cards is not equat to 500(can be less or greater but not equal)
Lets do a T test by creating a demo variable assuming unequal variances And keeping the hypothesized mean differe
as we are comparing the credit card balance to 500

Balance Demo variable Two sample t test with a demo variable (ignore the demo variable
333 0
903 0
580 0 T-Test: Two-Sample Assuming Unequal Variances
964 0
331 0
1151 0 Mean
203 0 Variance
872 0 Observations
279 0 Hypothesized Mean Difference
1350 0 df
1407 0 t Stat
0 0 P(T<=t) one-tail
204 0 t Critical one-tail
1081 0 P(T<=t) two-tail
148 0 t Critical two-tail
0 0
0 0
368 0 P-value which is greater than the significance level 0.05 ,
891 0 0.192227913652033 > 0.05
1048 0
89 0
968 0 Conclusion
0 0 With the two-sample t-test, we cannot collect enough evidence to reject th
411 0 hypothesis therefore we do not have enough evidence to prove that the M
balance is away from 500$ as mentioned by the manager
0 0
671 0
654 0
467 0
1809 0
915 0
863 0
0 0
526 0
0 0
0 0
419 0
762 0
1093 0
531 0
344 0
50 0
1155 0
385 0
976 0
1120 0
997 0
1241 0
797 0
0 0
902 0
654 0
211 0
607 0
957 0
0 0
0 0
379 0
133 0
333 0
531 0
631 0
108 0
0 0
133 0
0 0
602 0
1388 0
889 0
822 0
1084 0
357 0
1103 0
663 0
601 0
945 0
29 0
532 0
145 0
391 0
0 0
162 0
99 0
503 0
0 0
0 0
1779 0
815 0
0 0
579 0
1176 0
1023 0
812 0
0 0
937 0
0 0
0 0
1380 0
155 0
375 0
1311 0
298 0
431 0
1587 0
1050 0
745 0
210 0
0 0
0 0
227 0
297 0
47 0
0 0
1046 0
768 0
271 0
510 0
0 0
1341 0
0 0
0 0
0 0
454 0
904 0
0 0
0 0
0 0
1404 0
0 0
1259 0
255 0
868 0
0 0
912 0
1018 0
835 0
8 0
75 0
187 0
0 0
1597 0
1425 0
605 0
669 0
710 0
68 0
642 0
805 0
0 0
0 0
0 0
581 0
534 0
156 0
0 0
0 0
0 0
429 0
1020 0
653 0
0 0
836 0
0 0
1086 0
0 0
548 0
570 0
0 0
0 0
0 0
1099 0
0 0
283 0
108 0
724 0
1573 0
0 0
0 0
384 0
453 0
1237 0
423 0
516 0
789 0
0 0
1448 0
450 0
188 0
0 0
930 0
126 0
538 0
1687 0
336 0
1426 0
0 0
802 0
749 0
69 0
0 0
571 0
829 0
1048 0
0 0
1411 0
456 0
638 0
0 0
1216 0
230 0
732 0
95 0
799 0
308 0
637 0
681 0
246 0
52 0
955 0
195 0
653 0
1246 0
1230 0
1549 0
573 0
701 0
1075 0
1032 0
482 0
156 0
1058 0
661 0
657 0
689 0
0 0
1329 0
191 0
489 0
443 0
52 0
163 0
148 0
0 0
16 0
856 0
0 0
0 0
199 0
0 0
0 0
98 0
0 0
132 0
1355 0
218 0
1048 0
118 0
0 0
0 0
0 0
1092 0
345 0
1050 0
465 0
133 0
651 0
549 0
15 0
942 0
0 0
772 0
136 0
436 0
728 0
1255 0
967 0
529 0
209 0
531 0
250 0
269 0
541 0
0 0
1298 0
890 0
0 0
0 0
0 0
0 0
863 0
485 0
159 0
309 0
481 0
1677 0
0 0
0 0
293 0
188 0
0 0
711 0
580 0
172 0
295 0
414 0
905 0
0 0
70 0
0 0
681 0
885 0
1036 0
844 0
823 0
843 0
1140 0
463 0
1142 0
136 0
0 0
0 0
5 0
81 0
265 0
1999 0
415 0
732 0
1361 0
984 0
121 0
846 0
1054 0
474 0
380 0
182 0
594 0
194 0
926 0
0 0
606 0
1107 0
320 0
426 0
204 0
410 0
633 0
0 0
907 0
1192 0
0 0
503 0
0 0
302 0
583 0
425 0
413 0
1405 0
962 0
0 0
347 0
611 0
712 0
382 0
710 0
578 0
1243 0
790 0
1264 0
216 0
345 0
1208 0
992 0
0 0
840 0
1003 0
588 0
1000 0
767 0
0 0
717 0
0 0
661 0
849 0
1352 0
382 0
0 0
905 0
371 0
0 0
1129 0
806 0
1393 0
721 0
0 0
0 0
734 0
560 0
480 0
138 0
0 0
966 0
their credit cards is $500

be less or greater but not equal)

ng the hypothesized mean difference to be 500

able (ignore the demo variable

Unequal Variances

Balance Demo variable

520.015 0
211378.2253 0
400 400
500
399
0.870673781
0.192227914
1.648681534
0.384455827
1.965927296

cance level 0.05 ,

collect enough evidence to reject the null

nough evidence to prove that the Mean of
d by the manager
Is there a difference between men and women as far as average balance is co
Lets filter out the data of Men and Women We wil compare the two
means and check if the mean of both men and women same or not

Lets create a hypothetical situation where

(Null Hypothesis) H0 : Mean balance of Men and Women is same M1=F1
(Alternative Hypothesis) H1 :Mean balance of M1 (Male) and F1 (Female) are not equal (can be less or greater but n

Male M1 Female F1 Lets do a two sample t test assuming unequal variances

333 964 Keeping hypothised mean diffreence to be Zero assuming them to be
580 203
331 279
1151 204
872 148 t-Test: Two-Sample Assuming Unequal Variances
1407 0
0 0 Male M1
1081 368 Mean 509.80310880829
1048 891 Variance 213554.565198618
0 89 Observations 193
411 968 Hypothesized Mean Diffe 0
467 0 df 396
0 671 t Stat -0.42838442994029
0 1809 P(T<=t) one-tail 0.334302082712107
344 915 t Critical one-tail 1.64871060117934
0 863 P(T<=t) two-tail 0.668604165424214
654 526 t Critical two-tail 1.96597260846954
211 0
607 762 P-value which is greater than the significance level
957 1093 0.05 , 0.192227913652033 > 0.05
333 531
133 50 Conclusion
1084 385
With the two-sample t-test, as the P-value is greater than 0.05, therefore,
357 976 not have enough evidence to prove that the Mean balance of male and fem
601 1120 close to equal, We cannot reject the null hypothesis.
29 997
0 0
99 0
503 379
0 133
815 531
579 631
1023 108
812 0
0 0
937 602
1311 1388
298 889
1050 822
0 1103
0 663
227 945
297 145
1046 391
271 162
1341 0
0 1779
454 0
255 1176
0 0
912 0
187 155
1597 745
605 210
669 47
68 0
642 768
0 510
0 0
0 0
0 0
0 904
0 0
1086 0
548 0
570 0
0 1018
0 835
108 8
724 75
1573 0
0 710
0 805
423 0
516 581
188 534
0 0
930 429
336 653
0 836
749 0
571 0
829 0
638 1099
0 283
230 384
799 453
308 1237
637 789
52 0
955 1448
573 450
701 126
1058 538
661 1426
657 802
689 69
0 0
1329 1048
489 0
443 456
0 732
0 95
132 681
218 246
118 653
0 1230
0 1075
345 1032
651 482
0 156
136 191
529 52
531 163
0 148
0 856
485 0
159 0
481 199
1677 0
0 1355
188 1048
580 0
414 1092
70 465
681 133
823 549
1140 15
463 942
1142 772
136 436
0 967
265 209
1999 250
1361 541
474 0
380 1298
182 890
926 0
0 0
606 863
1107 309
204 0
633 293
0 0
907 711
1192 172
0 295
302 905
583 0
425 0
962 885
0 844
347 843
611 0
578 81
1243 732
1264 984
216 121
1208 846
992 594
0 194
0 320
717 426
0 410
849 503
382 0
0 413
371 1405
0 712
806 382
0 710
0 345
734 588
560 1000
480 767
0 661
1155 905
797 1129
902 1393
532 721
1380 138
1587 966
1259 903
1549 1350
0 654
1255 419
1036 1241
5 375
415 431
1054 1404
790 868
1352 1425
156
1020
1687
1411
1216
195
1246
16
98
1050
728
269
840
1003
s average balance is concerned?

equal (can be less or greater but not equal)

g unequal variances
e to be Zero assuming them to be equal

Unequal Variances

Female F1
529.536231884058
210187.104263402
207

ficance level

alue is greater than 0.05, therefore, we do

at the Mean balance of male and female are
ull hypothesis.
Is there a difference between men and women as far as average balance is co
Lets filter out the data of students and non student We wil
compare the two mens and check if the mean of both the variable
sis same or not

Lets create a hypothetical situation where

(Null Hypothesis) H0 : Mean of balance of students and non students is same M1=M2
(Alternative Hypothesis) H1 :Mean of balance of M1 and M2 are not equal (can be less or greater but not equal)

Not students M1 Students M2 Lets do a two sample t test assuming unequal variances
333 903 Keeping hypothised mean diffreence to be Zero assuming them to be equal
580 1350
964 654 t-Test: Two-Sample Assuming Unequal Variances
331 419
1151 1155 Nonstudents M1 Students M2
203 1241 Mean 480.369444444445 876.825
872 797 Variance 193085.136111111 240101.942948718
279 902 Observations 360 40
1407 532 Hypothesized Mean D 0
0 1380 df 46
204 375 t Stat -4.90277866136321
1081 431 P(T<=t) one-tail 6.09E-06
148 1587 t Critical one-tail 1.67866041355687
0 1404 P(T<=t) two-tail 1.21723866277E-05
0 1259 t Critical two-tail 2.01289559891943
368 868
891 1425
1048 156 P-value which is smaller than the significance level 0.05 ,
89 1020 0.0000121723866277271 < 0.05
968 1687
0 1411 Conclusion
411 1216
With the two-sample t-test, as the P-value is smaller than 0.05, therefore, we
0 195 have enough evidence to prove that the Mean balance of Students and non
671 1246 students are not equal, We reject the null hypothesis.
467 1549
1809 16
915 0
863 98
0 1050
526 728
0 1255
0 269
762 1036
1093 5
531 415
344 1054
50 790
385 840
976 1003
1120 1352
997
0
654
211
607
957
0
0
379
133
333
531
631
108
0
133
0
602
1388
889
822
1084
357
1103
663
601
945
29
145
391
0
162
99
503
0
0
1779
815
0
579
1176
1023
812
0
937
0
0
155
1311
298
1050
745
210
0
0
227
297
47
0
1046
768
271
510
0
1341
0
0
0
454
904
0
0
0
0
255
0
912
1018
835
8
75
187
0
1597
605
669
710
68
642
805
0
0
0
581
534
0
0
0
429
653
0
836
0
1086
0
548
570
0
0
0
1099
0
283
108
724
1573
0
0
384
453
1237
423
516
789
0
1448
450
188
0
930
126
538
336
1426
0
802
749
69
0
571
829
1048
0
456
638
0
230
732
95
799
308
637
681
246
52
955
653
1230
573
701
1075
1032
482
156
1058
661
657
689
0
1329
191
489
443
52
163
148
0
856
0
0
199
0
0
132
1355
218
1048
118
0
0
0
1092
345
465
133
651
549
15
942
0
772
136
436
967
529
209
531
250
541
0
1298
890
0
0
0
0
863
485
159
309
481
1677
0
0
293
188
0
711
580
172
295
414
905
0
70
0
681
885
844
823
843
1140
463
1142
136
0
0
81
265
1999
732
1361
984
121
846
474
380
182
594
194
926
0
606
1107
320
426
204
410
633
0
907
1192
0
503
0
302
583
425
413
1405
962
0
347
611
712
382
710
578
1243
1264
216
345
1208
992
0
588
1000
767
0
717
0
661
849
382
0
905
371
0
1129
806
1393
721
0
0
734
560
480
138
0
966
rage balance is concerned?

greater but not equal)

uming them to be equal

0.05 ,

er than 0.05, therefore, we

ance of Students and non
sis.
It is generally assumed that if there are more credit cards then the balance on the card

Let us observe how the no. of credit cards(X) impacts the average balance of a credit card (Y)

No of cards (X) Balance (Y)

3 964 Corelation Matrix
2 203
5 279 No of cards
1 204 No of cards 1
2 148 Balance 0.086456347
3 0
3 0 The corelation between the X and the Y is 0.08 which is a wek rel
3 368
1 891 Scatter plot
4 89
1 968 Balance (Y)
3 0 2500
5 671
2 1809 2000
4 915
4 863 1500
2 526
2 0 1000
2 762
2 1093 f(x) = 28.9869481625131 x + 434.286100809367
500
4 531
3 50
2 385 0
0 1 2 3 4 5 6 7 8 9 10
1 976
3 1120
3 997 The trendline shoes a weak relation between the the variable X and
2 0 Equation y = 28.987x + 434.29
2 0
7 379
4 133
4 531 Lets do a regression model to support the equation
2 631
3 108
2 0 Regression model
2 0 In a regression model the balance become the Y (response)
4 602 And X becomes the No. of cards which predicts and affects Y
4 1388
4 889 SUMMARY OUTPUT
2 822
2 1103 Regression Statistics
1 663 Multiple R 0.086456347
4 945 R Square 0.0074747
1 145 Adjusted R Square 0.004980918
3 391 Standard Error 458.6124374
3 162 Observations 400
3 0
4 1779 ANOVA
4 0 df
3 1176 Regression 1
3 0 Residual 398
5 0 Total 399
4 155
4 745 Coefficients
2 210 Intercept 434.2861008
3 47 No of cards 28.98694816
2 0
4 768
5 510 The coefficients
3 0
3 0 The Coefficients for the number of cards is 28 .98 which means th
2 0 an increase in the balance of credit cards by 28.98 dollars which Is
greater than 0.05 significant stable that means the number of card
1 904 balance .
3 0
1 0
1 0
3 0
4 1018
3 835
3 8
2 75
2 0
3 710
3 805
2 0
3 581
3 534
4 0
5 429
2 653
5 836
5 0
1 0
1 0
4 1099
1 283
2 384
2 453
5 1237
2 789
3 0
1 1448
1 450
2 126
4 538
7 1426
2 802
2 69
4 0
6 1048
2 0
2 456
2 732
2 95
2 681
3 246
4 653
5 1230
4 1075
6 1032
3 482
2 156
3 191
6 52
1 163
5 148
1 856
4 0
5 0
4 199
2 0
3 1355
4 1048
2 0
6 1092
1 465
2 133
3 549
4 15
3 942
4 772
1 436
5 967
2 209
2 250
3 541
3 0
2 1298
3 890
2 0
2 0
3 863
4 309
5 0
1 293
1 0
3 711
3 172
1 295
2 905
2 0
3 0
3 885
3 844
2 843
3 0
2 81
1 732
3 984
3 121
2 846
2 594
2 194
4 320
2 426
2 410
3 503
4 0
1 413
2 1405
4 712
2 382
3 710
3 345
3 588
5 1000
2 767
3 661
3 905
2 1129
3 1393
2 721
5 138
5 966
3 903
3 1350
6 654
3 419
2 1241
2 375
3 431
5 1404
4 868
3 1425
4 156
2 1020
3 1687
5 1411
5 1216
2 195
3 1246
3 16
3 98
3 1050
2 728
3 269
2 840
2 1003
2 333
4 580
2 331
4 1151
2 872
4 1407
3 0
1 1081
2 1048
3 0
5 411
2 467
5 0
4 0
4 344
6 0
3 654
2 211
1 607
4 957
2 333
4 133
4 1084
4 357
4 601
2 29
2 0
1 99
3 503
4 0
1 815
4 579
4 1023
3 812
4 0
2 937
5 1311
1 298
6 1050
2 0
3 0
4 227
5 297
4 1046
4 271
1 1341
3 0
2 454
3 255
5 0
4 912
4 187
3 1597
2 605
3 669
3 68
2 642
3 0
5 0
3 0
2 0
3 0
3 0
1 1086
4 548
4 570
2 0
3 0
4 108
3 724
3 1573
3 0
4 0
5 423
3 516
2 188
2 0
2 930
4 336
2 0
1 749
3 571
2 829
8 638
2 0
3 230
3 799
2 308
2 637
3 52
3 955
5 573
4 701
3 1058
3 661
4 657
1 689
3 0
3 1329
2 489
5 443
2 0
3 0
5 132
6 218
3 118
1 0
2 0
4 345
1 651
4 0
1 136
3 529
2 531
2 0
4 0
2 485
5 159
2 481
7 1677
4 0
3 188
1 580
1 414
3 70
2 681
6 823
2 1140
3 463
2 1142
2 136
5 0
6 265
4 1999
3 1361
2 474
3 380
2 182
4 926
3 0
1 606
1 1107
5 204
7 633
2 0
5 907
2 1192
3 0
1 302
2 583
2 425
3 962
1 0
1 347
3 611
1 578
3 1243
3 1264
2 216
3 1208
4 992
4 0
3 0
1 717
1 0
2 849
9 382
3 0
4 371
3 0
2 806
2 0
2 0
4 734
3 560
5 480
1 0 Balance (Y)
2 1155
2500
2 797
4 902
2000
1 532
1 1380
2 1587 1500
2 1259
4 1549 1000
1 0
6 1255 500 f(x) = 28.9869481625131 x + 434.286100809367
1 1036
3 5
0
2 415 0 1 2 3 4 5 6
2 1054
4 790
1 1352
 the balance on the cards will be more.

Balance

and the Y is 0.08 which is a wek relation

ce (Y)

31 x + 434.286100809367

5 6 7 8 9 10

tion between the the variable X and Y

upport the equation

ce become the Y (response)

s which predicts and affects Y
 SS MS F Significance F
630415.54031 630415.5 2.997335 0.0841765556
83709496.3697 210325.4
84339911.91

Standard Error t Stat P-value Lower 95% Upper 95% Lower 95.0% Upper 95.0%
54.5692816856 7.958435 1.834E-14 327.00604035 541.5661613 327.00604035 541.56616126
16.7430612955 1.731281 0.084177 -3.928944671 61.902841 -3.928944671 61.902840996

r of cards is 28 .98 which means that if there is an increase of value Value of card by 1 unit then there will be
edit cards by 28.98 dollars which Is weak as we can also see from the regression model that the P-value is
able that means the number of cards is not a very good predictor for the variable Y which is the credit card
 Balance (Y)

1 x + 434.286100809367

4 5 6 7 8 9 10
Let's see how demographic values such as age, years of education and marita
Let's see how age affects the credit card balance.
For this we will use correlation coefficient and scatter plot to see how good their relationship is

Age (X) Balance (Y)

36 964
37 203 Corelation Matrix
66 279
57 204 Age Balance
75 148 Age 1
57 0 Balance 0.0018351189 1
73 0
69 368
28 891 Scatter Plot
63 89
72 968 Balance (Y)
57 0 2500
25 671
41 1809 2000
55 915
47 863 1500
48 526
25 0
1000
71 762
69 1093
500
25 531 f(x) = 0.048911399307529 x + 517.292224679048
54 50
0
66 385 10 20 30 40 50 60 70 80 90 100 110
24 976
25 1120 This is the lenear equation we get from the scatter plot
50 997 Y = 0.0489x + 517.29
47 0
60 0
79 379 Reggression Model
65 133
81 531 SUMMARY OUTPUT
35 631
59 108 Regression Statistics
77 0 Multiple R 0.00183511886
79 0 R Square 3.36766123E-06
28 602 Adjusted R Square -0.00250918669
38 1388 Standard Error 460.33532644
69 889 Observations 400
78 822
81 1103 ANOVA
47 663 df SS MS F
45 945 Regression 1 284.0282514393 284.02825144 0.0013403337
30 145 Residual 398 84339627.88175 211908.61277
45 391 Total 399 84339911.91
40 162
38 0 Coefficients Standard Error t Stat P-value
41 1779 Intercept 517.292224679 77.85153146811 6.6445992124 1.0022799E-10
59 0 Age 0.04891139931 1.335991275482 0.0366105679 0.9708138723
52 1176
45 0 Inference
46 0
If we see the age coefficient which is 0.0489 which clearly shows that there will be an increase o
74 155 age increases by one year which itself is not a very significant change, Again if you see the P-valu
53 745 shows that age is not a strong predictor for credit card balance.
58 210
57 47
60 0
30 768
81 510
62 0
40 0
67 0
84 904
77 0
30 0
34 0
72 0
80 1018
77 835
81 8
70 75
74 0
64 710
55 805
69 0
28 581
66 534
34 0
75 429
83 653
67 836
80 0
37 0
32 0
36 1099
63 283
34 384
29 453
67 1237
66 789
29 0
62 1448
30 450
85 126
50 538
39 1426
73 802
84 69
51 0
67 1048
58 0
45 456
91 732
62 95
62 681
79 246
76 653
78 1230
28 1075
78 1032
47 482
34 156
25 191
58 52
35 163
71 148
56 856
66 0
80 0
59 199
47 0
64 1355
79 1048
71 0
55 1092
66 465
52 133
46 549
86 15
29 942
48 772
30 436
81 967
50 209
78 250
35 541
33 0
50 1298
75 890
41 0
48 0
42 863
56 309
67 0
49 293
70 0
76 711
38 172
46 295
64 905
50 0
41 0
34 885
57 844
75 843
82 0
27 81
66 732
68 984
54 121
44 846
64 594
23 194
35 320
77 426
44 410
71 503
70 0
44 413
58 1405
82 712
46 382
62 710
37 345
76 588
44 1000
46 767
83 661
58 905
80 1129
81 1393
43 721
67 138
64 966
82 903
41 1350
44 654
49 419
64 1241
68 375
70 431
50 1404
56 868
32 1425
24 156
72 1020
52 1687
40 1411
37 1216
71 195
53 1246
47 16
43 98
67 1050
25 728
59 269
46 840
37 1003
34 333
71 580
68 331
77 1151
87 872
30 1407
64 0
49 1081
44 1048
61 0
48 411
44 467
43 0
30 0
47 344
72 0
49 654
27 211
32 607
66 957
70 333
75 133
55 1084
75 357
31 601
28 29
65 0
83 99
63 503
69 0
33 815
57 579
42 1023
47 812
51 0
26 937
47 1311
41 298
66 1050
74 0
72 0
64 227
37 297
42 1046
41 271
47 1341
81 0
83 454
56 255
46 0
49 912
35 187
87 1597
33 605
84 669
32 68
51 642
56 0
44 0
32 0
31 0
53 0
81 0
56 1086
44 548
46 570
35 0
57 0
60 108
58 724
54 1573
52 0
32 0
69 423
81 516
52 188
75 0
83 930
56 336
79 0
67 749
43 571
40 829
29 638
78 0
46 230
25 799
66 308
44 637
60 52
65 955
72 573
50 701
76 1058
59 661
29 657
39 689
71 0
41 1329
37 489
38 443
36 0
50 0
66 132
60 218
50 118
60 0
36 0
63 345
55 651
82 0
39 136
50 529
50 531
67 0
69 0
30 485
78 159
31 481
46 1677
42 0
74 188
50 580
79 414
80 70
33 681
63 823
69 1140
43 463
57 1142
71 136
54 0
51 265
98 1999
82 1361
48 474
83 380
68 182
68 926
32 0
45 606
80 1107
37 204
39 633
33 0
51 907
69 1192
70 0
71 302
41 583
47 425
36 962
40 0
81 347
79 611
80 578
67 1243
56 1264
70 216
57 1208
40 992
75 0
51 0
33 717
84 0
84 849
64 382
76 0
57 371
62 0
44 806
24 0
65 0
40 734
32 560
65 480
44 0
66 1155
49 797
49 902
68 532
59 1380
56 1587
89 1259
44 1549
38 0
48 1255
52 1036
78 5
66 415
72 1054
69 790
33 1352
ucation and marital status affect the Credit card balance

0 90 100 110
 Significance F
0.97081387232

Lower 95% Upper 95% Lower 95.0% Upper 95.0%

364.24060398 670.34384538 364.24060398 670.34384538
-2.57757039363 2.6753931922 -2.577570394 2.6753931922

at there will be an increase of 0.0489 dollars significant change if

e, Again if you see the P-value which is greater than 0.05% clearly
Let's see how demographic values such as age, years of education and marital stat

Let's see how Years of edutaion affects the credit card balance For this we will use correlation coefficient and scatte

Years of Education X Balance Y

11 964
12 203 Corelation Coefficients
13 279
7 204 Years of Education Balance
13 148 Years of Educati 1
15 0 Balance -0.00806157645355 1
17 0
15 368
9 891 Scatter Plot
16 89
17 968
15 0 Balance Y
16 671 2500
14 1809
16 915 2000
5 863
13 526
1500
14 0
11 762
9 1093 1000

10 531
14 50 500
f(x) = − 1.18596356171414 x + 535.966209905055
13 385
14 976 0
4 6 8 10 12 14 16 18 20 22
16 1120
12 997
9 0
8 0 This is the lenear equation we get from the scatter plot
18 379 Y = -1.186x + 535.97
14 133
17 531
20 631 Reggression Model
10 108
7 0 SUMMARY OUTPUT
15 0
14 602 Regression Statistics
13 1388 Multiple R 0.008061576453627
16 889 R Square 6.498901491767E-05
15 822 Adjusted R Squar -0.00244741051017
12 1103 Standard Error 460.321142930303
18 663 Observations 400
10 945
15 145 ANOVA
11 391 df SS
9 162 Regression 1 5481.167793274
14 0 Residual 398 84334430.74221
12 1779 Total 399 84339911.91
12 0
9 1176 Coefficients Standard Error
15 0 Intercept 535.966209905055 101.8142179597
17 0 Years of Educatio -1.18596356171415 7.373874128537
17 155
12 745 Inference
18 210 Now if you see the coefficient of years of education which is -1.185 which clea
17 47 credit card balance. This explains that if years of education gets increased by
dollars which is a bad predictor in addition if you see the P-value which is .872
11 0 indicates that X is not a significant predictor for Y
12 768
8 510
16 0
17 0
15 0
11 904
14 0
12 0
15 0
11 0
12 1018
15 835
16 8
8 75
11 0
10 710
15 805
11 0
14 581
13 534
9 0
13 429
12 653
11 836
16 0
14 0
11 0
12 1099
9 283
14 384
10 453
11 1237
9 789
15 0
17 1448
14 450
16 126
17 538
19 1426
16 802
17 69
16 0
15 1048
13 0
7 456
11 732
12 95
16 681
19 246
13 653
11 1230
15 1075
15 1032
14 482
11 156
18 191
19 52
13 163
14 148
12 856
15 0
18 0
14 199
18 0
8 1355
6 1048
14 0
9 1092
13 465
15 133
13 549
16 15
15 942
18 772
10 436
9 967
15 209
11 250
12 541
13 0
17 1298
17 890
11 0
15 0
16 863
13 309
10 0
17 293
18 0
11 711
7 172
13 295
13 905
14 0
14 0
18 885
15 844
18 843
13 0
15 81
12 732
14 984
16 121
16 846
15 594
7 194
8 320
17 426
17 410
13 503
13 0
18 413
8 1405
10 712
16 382
19 710
6 345
18 588
16 1000
10 767
14 661
15 905
13 1129
15 1393
15 721
12 138
7 966
15 903
19 1350
12 654
12 419
16 1241
14 375
16 431
15 1404
12 868
12 1425
11 156
16 1020
17 1687
16 1411
10 1216
10 195
13 1246
18 16
13 98
8 1050
15 728
8 269
16 840
16 1003
11 333
11 580
16 331
10 1151
9 872
14 1407
16 0
9 1081
9 1048
10 0
8 411
16 467
16 0
10 0
14 344
15 0
15 654
20 211
12 607
10 957
17 333
17 133
14 1084
12 357
15 601
16 29
14 0
15 99
11 503
11 0
15 815
8 579
16 1023
16 812
13 0
16 937
18 1311
11 298
15 1050
15 0
12 0
14 227
19 297
14 1046
15 271
17 1341
16 0
13 454
15 255
19 0
13 912
9 187
7 1597
10 605
17 669
14 68
14 642
16 0
10 0
17 0
16 0
13 0
14 0
12 1086
12 548
11 570
15 0
9 0
18 108
12 724
16 1573
17 0
18 0
16 423
12 516
13 188
15 0
11 930
14 336
14 0
12 749
7 571
18 829
13 638
13 0
15 230
15 799
13 308
19 637
18 52
14 955
17 573
6 701
9 1058
9 661
12 657
14 689
11 0
14 1329
11 489
15 443
11 0
19 0
12 132
12 218
8 118
14 0
14 0
12 345
10 651
12 0
13 136
14 529
12 531
6 0
 8 0
9 485
11 159
15 481
9 1677
13 0
17 188
17 580
11 414
8 70
6 681
11 823
14 1140
16 463
14 1142
16 136
16 0
11 265
17 1999
16 1361
16 474
15 380
17 182
13 926
12 0
14 606
16 1107
9 204
10 633
17 0
18 907
17 1192
14 0
9 302
14 583
18 425
14 962
14 0
18 347
12 611
10 578
16 1243
14 1264
14 216
16 1208
12 992
15 0
10 0
19 717
10 0
11 849
9 382
16 0
10 371
9 0
18 806
10 0
13 0
8 734
13 560
17 480
13 0
15 1155
15 797
13 902
16 532
17 1380
16 1587
17 1259
9 1549
16 0
14 1255
16 1036
13 5
17 415
17 1054
15 790
9 1352
ducation and marital status affect the Credit card balance

correlation coefficient and scatter plot to see how good their relationship is

6209905055

4 16 18 20 22

m the scatter plot

 MS F Significance F
5481.1677933 0.025867309 0.87230640157
211895.55463

t Stat P-value Lower 95% Upper 95% Lower 95.0% Upper 95.0%
5.2641587849 2.3086203E-07 335.805329636 736.12709017 335.8053296 736.1270902
-0.1608331714 0.8723064016 -15.6825748027 13.310647679 -15.6825748 13.31064768

education which is -1.185 which clearly shows that there is a negative relationship with the
ears of education gets increased by one year the credit card balance will get reduced by 1.185
n if you see the P-value which is .8723 is again greater than the 0.05 significance level which
or for Y
Let's see how demographic values such as age, years of education and marita
Let's see how credit card balance get affected by marital status For that we have to have two columns one with cred
balances of people who are married and the other of people who are not married

Lets create a hypothetical situation where

(Null Hypothesis) H0 : Mean balance of Married(M1) and Not married(M2) For a credit card is same M1=M2
(Alternative Hypothesis) H1: Mean balance of Married(M1) and Not married(M2) for a credit card are not equal (ca

Not Married (M2) Married (M1) Two sample T test assuming unequal Variances
964 204
203 0 t-Test: Two-Sample Assuming Unequal Variances
279 0
148 368 Not Married (M2)
89 891 Mean 523.290322580645
968 671 Variance 221735.038542103
0 1809 Observations 155
915 863 Hypothesized Mean Difference 0
526 0 df 319
531 762 t Stat 0.112233601335984
50 1093 P(T<=t) one-tail 0.455354388554626
531 385 t Critical one-tail 1.64964431932712
631 976 P(T<=t) two-tail 0.910708777109252
108 1120 t Critical two-tail 1.96742838690237
0 997
889 0 P-value which is greater than the significance level 0.05 ,
145 0 0.910708777109252 > 0.05
0 379
0 133 Conclusion
1176 0
0 602 Looking at the P2 tail value which is greater than 0.05 which indicates tha
745 1388 hypothesis, which means then we don't have significant evidence to prove
both variables is different from other which means marriatal staus has no
0 822 credit card
510 1103
0 663
0 945
904 391
0 162
0 1779
8 0
75 155
710 210
836 47
0 768
 453 0
1237 0
450 0
69 1018
456 835
653 0
1230 805
1032 0
156 581
0 534
199 0
1355 429
0 653
1092 0
133 0
436 1099
967 283
209 384
541 789
0 0
0 1448
0 126
172 538
0 1426
984 802
712 0
710 1048
345 0
767 732
661 95
905 681
1129 246
721 1075
966 482
654 191
419 52
375 163
431 148
156 856
1687 0
1411 0
1246 1048
728 465
269 549
840 15
580 942
1151 772
 872 250
0 1298
1048 890
467 0
133 863
601 309
0 0
99 293
503 711
0 295
0 905
937 0
1311 0
298 885
1050 844
0 843
271 81
0 732
1597 121
669 846
642 594
0 194
0 320
0 426
0 410
108 503
1573 0
0 413
188 1405
0 382
930 588
638 1000
0 1393
230 138
799 903
637 1350
52 1241
661 1404
0 868
118 1425
0 1020
136 1216
485 195
681 16
1140 98
1142 1050
265 1003
 380 333
926 331
606 1407
1107 1081
1192 0
425 411
962 0
216 0
992 344
0 0
0 654
371 211
0 607
806 957
0 333
0 1084
734 357
480 29
532 815
1380 579
1587 1023
1259 812
1549 0
1255 227
1036 297
1054 1046
1352 1341
454
255
0
912
187
605
68
0
0
0
0
1086
548
570
724
0
423
516
336
0
 749
571
829
308
955
573
701
1058
657
689
0
1329
489
443
0
132
218
0
0
345
651
529
531
0
0
159
481
1677
0
188
580
414
70
823
463
136
0
1999
1361
474
182
0
204
633
0
907
0
 302
583
0
347
611
578
1243
1264
1208
0
717
0
849
382
560
0
1155
797
902
0
5
415
790
tion and marital status affect the Credit card balance
columns one with credit card

s same M1=M2
card are not equal (can be less or greater but not equal)

Married (M1)
517.942857142857
205696.726229508
245

el 0.05 ,

0.05 which indicates that we cannot reject the null

ificant evidence to prove that the mean difference of
ns marriatal staus has no influnce of mean balance of
Does Ethnicity of the cardholder matter as far a balance is concerned ?

To understand this statement we have to follow some tests to check whether the mean of all the ethnicities
present in the data are equal or not We'll divide the data set into three ethnicities present.
Let The mean value of three ethnicities are E1, E2 and E3

Lets create a hypothetical situation where

(Null Hypothesis) H0 : Average balance of credit cards are equal of all the 3 ethnicities, E1=E2=E3
(Alternative Hypothesis) H1 :Average balance of credit cards are not equal all the 3 ethnicities, E1≠E2≠E3

African American Asian Caucasian

203 964 279 ANOVA (Analysis of variance test )
148 89 968
50 631 0 Anova: Single Factor
889 145 915
1176 0 526 SUMMARY
0 199 531 Groups Count Sum
0 0 531 African American 99 52569
510 984 108 Asian 102 52256
0 905 0 Caucasian 199 103181
8 966 0
75 1687 745
710 1246 0 ANOVA
0 728 0 Source of Variation SS df
450 580 904 Between Groups 18454.20047206 2
69 872 0 Within Groups 84321457.70953 397
1230 1048 836
156 0 453 Total 84339911.91 399
133 0 1237
967 669 456
541 642 653 P value is greater than 0.05 , 0.95>0.05 (significance level)
0 0 1032
0 0 0 Inference
710 108 1355
From the above test we found that the P value is greater than 0.05 whi
767 0 1092 cannot reject the null hypothesis,And from that we got to know that th
661 52 436 not effect the card balance at all.
375 681 209
1411 1142 0
467 0 172
937 0 0
1597 1380 712
0 1255 345
1573 1054 1129
188 204 721
930 368 654
 230 891 419
637 0 431
661 385 156
118 976 269
1140 0 840
1107 0 1151
216 379 0
0 1388 133
371 1103 601
0 663 99
480 1779 503
1259 47 0
1036 768 0
0 0 1311
0 0 298
671 653 1050
1809 0 271
0 384 0
0 0 0
155 1075 0
1018 163 638
835 148 0
581 0 799
789 942 0
802 0 0
0 863 136
732 905 485
191 0 265
0 0 380
549 843 926
711 503 606
320 413 1192
1405 382 425
1350 1393 962
868 903 992
1425 1241 0
0 1404 806
411 195 734
654 16 532
211 1050 1587
29 0 1549
579 0 1352
1023 957 863
255 0 762
912 297 1093
0 1341 1120
724 0 997
 516 187 133
0 0 602
749 548 822
829 423 945
1329 336 391
0 571 162
218 573 210
1677 1058 0
414 689 0
0 489 0
182 443 805
0 0 0
204 345 534
583 159 429
611 0 0
1155 188 1099
902 633 283
5 907 1448
0 126
1243 538
415 1426
1048
0
95
681
246
482
52
856
1048
465
15
772
250
1298
890
309
0
293
295
885
844
81
732
121
846
594
 194
426
410
0
588
1000
138
1020
1216
98
1003
333
331
1407
1081
0
344
607
333
1084
357
815
812
227
1046
454
605
68
0
0
1086
570
0
308
955
701
657
0
132
0
651
529
531
0
0
481
580
 70
823
463
136
1999
1361
474
0
0
302
347
578
1264
1208
0
717
0
849
382
560
0
797
0
790
ce is concerned ?

mean of all the ethnicities

present.

ties, E1=E2=E3
ethnicities, E1≠E2≠E3

Average Variance
531 235839.163265306
512.313725490196 231748.336245389
518.497487437186 190922.412872443

MS F P-value F crit
9227.10023602843 0.043442783049627 0.957492 3.018452
212396.618915688

5 (significance level)

P value is greater than 0.05 which means that we

rom that we got to know that the ethnicities does
Does credit card companies often assign a higher credit limit to people with a
To Get its answer we need to see a relatioship between Rating and limt coloumns from the sheet
We wil use correlation from data analysis tab and see their relation

Rating Limit
681 9504 Correlation Matrix
259 3388
266 3300 Rating Limit
394 5308 Rating 1
269 3291 Limit 0.9968797370017 1
200 2525
286 3714
339 4378
448 6384
235 2860 Scatter Plot
458 6378
156 1757 Limit
326 4323 16000
949 13414 14000
f(x) = 14.8716071166589 x − 542.928229986894
411 5611 12000
413 5666 10000
563 7838 8000
199 2646
6000
455 6457
4000
462 6481
2000
300 3899
0
253 3327 0 200 400 600 800 1000 1200
351 4763
445 6257
469 6375 Inference
564 7569 It shows a great lenear relation between these two Variable which is .99(close to 1)
138 1499 It explain it further we wil use scatter to see how good a liner relation looks
154 1786 Looking at the equation y = 14.872x - 542.93 Which is a regression equation who is c
372 4742 14.87 which shows that if there is an increase of rating by one unit the balance will in
367 4779
dollars which shows that it is a significant predictor
390 5294
364 5198
254 3089
160 1671
223 2937
320 4160
694 9704
380 5099
418 5619
538 7402
355 4923
418 5390
253 3254
468 6662
288 3449
122 1433
828 12066
182 2271
543 7518
245 3075
120 855
266 3388
365 4768
259 3182
250 3271
231 2959
474 6386
369 4828
186 2117
173 2161
128 1402
481 7056
117 1300
192 2529
195 2531
259 3411
427 5829
452 5835
257 3500
314 4116
175 2073
387 4896
371 5110
192 2420
435 5728
353 4831
143 1362
338 4284
406 5550
381 4865
203 2330
178 2327
219 2820
459 6179
299 4270
292 3965
316 4391
560 7499
459 6420
335 4090
805 11589
316 4442
326 4411
385 5352
730 10088
398 5384
304 3977
169 2000
529 7333
145 1448
392 5310
642 9156
243 3206
410 5289
337 4229
370 5222
633 8760
411 5673
527 6906
430 5614
341 4668
232 2923
236 2910
263 3557
262 3351
460 6617
147 1787
189 2001
265 3211
191 2430
621 8603
469 6386
135 1774
450 6196
296 4049
270 3536
379 5013
360 4952
433 5833
410 5565
347 4866
439 5869
257 3476
518 6982
377 5319
183 1852
581 8100
485 6396
156 1626
142 1552
387 5274
287 3665
149 1389
370 5140
204 2672
372 5051
289 3526
365 4964
536 7506
165 1924
298 3874
494 7010
396 5429
534 7685
129 1485
236 3096
364 5072
508 6662
297 3673
527 7576
351 4756
270 3409
301 3807
299 3922
280 3746
389 5145
155 1561
292 3873
832 11966
434 5891
362 4943
382 5101
440 5759
368 4840
413 5673
515 7167
538 7760
398 5640
482 6827
747 10578
472 6555
321 4171
415 5524
483 6645
491 6819
289 3625
220 2558
376 5043
241 2963
190 2433
433 5533
281 3821
459 6045
184 2120
406 5521
701 9560
499 6784
358 4391
149 1647
437 5765
128 1233
134 1551
665 9310
299 3690
248 3063
293 3782
383 5354
283 3606
514 7075
357 4897
569 8047
512 7114
589 8117
138 1311
511 6922
479 6626
213 2631
398 5179
333 4534
210 2733
162 1829
264 3461
205 2252
376 5183
301 3969
394 5441
413 5466
281 3480
251 2998
505 6819
318 3954
338 4523
224 3180
171 2101
317 4263
344 4433
232 2906
448 6340
352 4307
431 5767
456 6040
249 2832
388 5435
607 8494
256 3736
682 9540
115 1337
263 3189
449 6033
279 3261
491 6637
268 3326
626 9113
137 1410
599 8157
279 3461
162 1568
407 5443
278 3613
728 10384
483 6754
549 7416
228 2748
341 4673
150 1501
121 886
344 4612
235 3155
235 3000
160 1705
515 7530
429 5977
367 4527
214 2880
167 2021
344 4697
339 4745
750 10673
206 2168
221 2607
294 3584
382 5180
309 3806
167 2179
554 7667
287 3933
181 2120
517 7398
310 4159
383 5343
321 3878
180 2450
320 4327
397 5309
323 4351
383 5245
215 2762
392 5395
344 4613
584 7818
547 7555
387 5137
378 4776
360 4788
187 2278
579 8244
369 4986
388 5149
103 906
188 2220
267 3202
402 5182
304 4221
186 2493
215 2561
383 5184
380 5107
142 1349
217 3085
636 8732
353 5000
167 2047
272 3098
296 3907
268 3235
380 5096
817 11200
205 2532
321 4381
355 4632
352 4970
287 3762
332 4640
386 5227
656 9272
296 3907
522 7306
340 4712
229 2586
282 3484
982 13913
721 10230
291 3976
377 5228
261 3402
438 5884
119 855
377 5303
707 10278
260 2955
401 5199
137 1511
420 5380
754 10748
112 1134
374 5140
507 7140
342 4716
442 6090
188 2539
339 4336
344 4471
433 6127
685 9824
564 7871
263 3615
599 8028
466 6135
173 2150
142 1567
366 4941
214 2860
574 8029
282 3274
180 1870
287 3683
126 1357
503 7100
196 2308
138 1335
410 5758
307 4100
296 3838
192 2525
538 7659
320 4431
354 4569
251 3293
367 5382
531 7582
610 8376
451 6207
93 905
353 4706
369 4891
126 1160
223 2863
329 4543
489 6442
409 5495
mit to people with a higher credit rating

ble which is .99(close to 1)

liner relation looks
egression equation who is coefficient is
y one unit the balance will increase by 14.87
 Upper 95.0%
-498.0059432163
14.987649309538
Let's see how much a credit card limit affects the balance

We will do a simple linear regression analysis to see how much X (CARD LIMIT) predicts the Y (BALANCE)

Limit (X) CARD BALANCE (Y) Regression Model

3388 203
3291 148 SUMMARY OUTPUT
3327 50
5099 889 Regression Statistics
7518 1176 Multiple R 0.861697267
3075 0 R Square 0.74252218
2959 0 Adjusted R Square 0.7418752508
4828 510 Standard Error 233.58499824
1300 0 Observations 400
3500 8
4116 75 ANOVA
4896 710 df SS
2330 0 Regression 1 62624255.2509
4442 450 Residual 398 21715656.6591
3977 69 Total 399 84339911.91
8760 1230
4668 156 Coefficients Standard Error
3536 133 Intercept -292.7904955 26.6834145155
5869 967 Limit (X) 0.1716372784 0.0050662344
5319 541
1852 0
2672 0 The Coefficients
5101 710 Intercept is -292.79
7167 767 Limit X is 0.171
7760 661 The R square is .7425
2963 375
6784 1411 Let's create a scatter plot to support the Coefficients
4534 467
5435 937
10384 1597 CARD BALANCE (Y)
2880 0 2500
10673 1573
3806 188
2000 f(x) = 0.171637278371482 x − 292.790495455992
7667 930
4327 230
5245 637 1500
5137 661
4221 118 1000
9272 1140
10278 1107 500

0
0 2000 4000 6000 8000 1000
 1000

500
3615 216
1870 0
0
3683 371 0 2000 4000 6000 8000 1000
1335 0
3838 480 Inference
8376 1259 If you see the equation from the scatterplot where Y = which clearly suppor
4891 1036 coefficients derived from that which says but there will be an increase of 0.
increased by one unit
2525 0
3714 0 Also from the regression model we found that the P value is smaller than th
4323 671 makes the card limit a great predictor for balance in the credit card
13414 1809
2937 0
855 0
3388 155
5829 1018
5835 835
5728 581
6420 789
5384 802
2000 0
9156 732
2923 191
2001 0
5013 549
5051 711
3807 320
11966 1405
6819 1350
3821 868
6045 1425
2631 0
5179 411
5183 654
3969 211
3180 29
4307 579
5767 1023
3461 255
5443 912
3155 0
4745 724
5180 516
2120 0
7398 749
5343 829
8244 1329
906 0
5182 218
11200 1677
4970 414
2586 0
3402 182
855 0
2955 204
7140 583
4471 611
7659 1155
4569 902
1160 5
9504 964
2860 89
5198 631
3254 145
2271 0
3211 199
1774 0
6662 984
5640 905
5524 966
9560 1687
5765 1246
3690 728
7075 580
7114 872
6626 1048
2101 0
3189 0
7416 669
4673 642
3000 0
2021 0
4697 108
2179 0
2762 52
4640 681
7306 1142
1357 0
2308 0
5382 1380
4706 1255
4543 1054
5308 204
4378 368
6384 891
2646 0
4763 385
6257 976
1499 0
1786 0
4742 379
9704 1388
7402 1103
4923 663
12066 1779
3271 47
6386 768
1402 0
1362 0
5550 653
2820 0
3965 384
4090 0
5673 1075
3557 163
3351 148
2430 0
5833 942
1626 0
5274 863
7506 905
1924 0
3874 0
7685 843
5145 503
3873 413
4943 382
10578 1393
6645 903
5043 1241
5533 1404
1647 195
1233 16
9310 1050
2733 0
2252 0
5466 957
1337 0
3261 297
9113 1341
1568 0
3613 187
 886 0
5977 548
3584 423
3933 336
4159 571
4613 573
7555 1058
4788 689
4986 489
5149 443
2493 0
5184 345
3235 159
2532 0
4381 188
5199 633
5380 907
2539 0
9824 1243
2863 415
3300 279
6378 968
1757 0
5611 915
7838 526
3899 531
5294 531
3089 108
1671 0
1433 0
4768 745
2117 0
2161 0
7056 904
3411 0
4865 836
4391 453
7499 1237
5310 456
5222 653
6906 1032
1787 0
8603 1355
6196 1092
4866 436
3476 209
1552 0
3526 172
1485 0
5891 712
5759 345
6827 1129
6555 721
3625 654
2558 419
2433 431
2120 156
3063 269
3782 840
8047 1151
1311 0
2998 133
4523 601
4263 99
4433 503
2906 0
2832 0
8494 1311
3736 298
9540 1050
3326 271
1410 0
4612 0
2168 0
3878 638
2450 0
5309 799
2220 0
1349 0
3085 136
3907 485
3484 265
5228 380
5884 926
5303 606
10748 1192
4716 425
6090 962
6135 992
2150 0
7100 806
5758 734
3293 532
7582 1587
6207 1549
5495 1352
5666 863
6457 762
6481 1093
6375 1120
7569 997
4779 133
4160 602
5619 822
5390 945
6662 391
3449 162
3182 210
2529 0
2531 0
2073 0
5110 805
2420 0
4831 534
4284 429
2327 0
6179 1099
4270 283
11589 1448
4411 126
5352 538
10088 1426
7333 1048
1448 0
3206 95
5289 681
4229 246
5614 482
2910 52
6617 856
6386 1048
4049 465
4952 15
5565 772
6982 250
8100 1298
6396 890
3665 309
1389 0
5140 293
4964 295
7010 885
5429 844
3096 81
5072 732
3673 121
7576 846
4756 594
3409 194
3922 426
3746 410
1561 0
4840 588
5673 1000
4171 138
5521 1020
4391 1216
1551 98
5354 1003
3606 333
4897 331
8117 1407
6922 1081
1829 0
3461 344
5441 607
3480 333
6819 1084
3954 357
6340 815
6040 812
6033 227
6637 1046
8157 454
6754 605
2748 68
1501 0
1705 0
7530 1086
4527 570
2607 0
4351 308
5395 955
7818 701
4776 657
2278 0
3202 132
2561 0
5107 651
8732 529
5000 531
2047 0
3098 0
5096 481
4632 580
3762 70
5227 823
3907 463
4712 136
13913 1999
10230 1361
3976 474
1511 0
1134 0
5140 302
4336 347
6127 578
7871 1264
8028 1208
1567 0
4941 717
2860 0
8029 849
3274 382
4100 560
2525 0
4431 797
905 0
6442 790
the Y (BALANCE)

MS F Significance F
62624255.25 1147.764214 2.53058E-119
54561.9514

t Stat P-value Lower 95% Upper 95% Lower 95.0% Upper 95.0%
-10.9727522 1.184152E-24 -345.2485494 -240.3324415 -345.2485494 -240.3324415
33.87866901 2.53058E-119 0.1616773537 0.181597203 0.1616773537 0.181597203

CARD BALANCE (Y)

92.790495455992

6000 8000 10000 12000 14000 16000

6000 8000 10000 12000 14000 16000

where Y = which clearly supports the regression model and the

there will be an increase of 0.17 dollars in the balance if the limit gets

at the P value is smaller than the 0.05 significance level which again
ance in the credit card
Let's see how much a credit card Ratings affects the balance

We will do a simple linear regression analysis to see how much X (Rating) predicts the Y (BALANCE)
We wil use correlation from data analysis tab and see their relation

Rating (x) Blance (Y) Regression Model

259 203
269 148 SUMMARY OUTPUT
253 50
380 889 Regression Statistics
543 1176 Multiple R 0.863625161
245 0 R Square 0.745848418
231 0 Adjusted R Sq 0.745209846
369 510 Standard Error 232.0713048
117 0 Observations 400
257 8
314 75 ANOVA
387 710 df SS MS F
203 0 Regression 1 62904789.88 62904789.88 1167.994581
316 450 Residual 398 21435122.03 53857.09053
304 69 Total 399 84339911.91
633 1230
341 156 Coefficients Standard Error t Stat P-value
270 133 Intercept -390.8463418 29.06851463 -13.44569362 3.073181E-34
439 967 Rating (x) 2.566240327 0.075089102 34.1759357 1.8989E-120
377 541
183 0 The Coefficients
204 0 Intercept is -390.84
382 710 Limit X is 2.5662
515 767 The R square is .7458
538 661
241 375 Let's create a scatter plot to support the Coefficients
499 1411
333 467
388 937 Blance (Y)
728 1597 2500
214 0
750 1573
2000 f(x) = 2.56624032734332 x − 390.846341787237
309 188
554 930
1500
320 230
383 637
1000
387 661

500

0
0 200 400 600 800 1000
 1500

1000

304 118
500
656 1140
707 1107
263 216 0
0 200 400 600 800 1000
180 0
287 371
138 0 Inference
296 480 If you see the equation from the scatterplot where Y = which clearly supports the
610 1259 regression model and the coefficients derived from that which says but there will be an
increase of 2.566 dollars in the balance if the Ratings gets increased by one unit
369 1036
200 0 Also from the regression model we found that the P value is smaller than the 0.05
286 0 significance level which again makes the card limit a great predictor for balance in the
credit card
326 671
949 1809
223 0
120 0
266 155
427 1018
452 835
435 581
459 789
398 802
169 0
642 732
232 191
189 0
379 549
372 711
301 320
832 1405
491 1350
281 868
459 1425
213 0
398 411
376 654
301 211
224 29
352 579
431 1023
279 255
407 912
235 0
339 724
382 516
181 0
517 749
383 829
579 1329
103 0
402 218
817 1677
352 414
229 0
261 182
119 0
260 204
507 583
344 611
538 1155
354 902
126 5
681 964
235 89
364 631
253 145
182 0
265 199
135 0
508 984
398 905
415 966
701 1687
437 1246
299 728
514 580
512 872
479 1048
171 0
263 0
549 669
341 642
235 0
167 0
344 108
167 0
215 52
332 681
522 1142
126 0
196 0
367 1380
353 1255
329 1054
394 204
339 368
448 891
199 0
351 385
445 976
138 0
154 0
372 379
694 1388
538 1103
355 663
828 1779
250 47
474 768
128 0
143 0
406 653
219 0
292 384
335 0
411 1075
263 163
262 148
191 0
433 942
156 0
387 863
536 905
165 0
298 0
534 843
389 503
292 413
362 382
747 1393
483 903
376 1241
433 1404
149 195
128 16
665 1050
210 0
205 0
413 957
115 0
279 297
626 1341
162 0
278 187
121 0
429 548
294 423
287 336
310 571
344 573
547 1058
360 689
369 489
388 443
186 0
383 345
268 159
205 0
321 188
401 633
420 907
188 0
685 1243
223 415
266 279
458 968
156 0
411 915
563 526
300 531
390 531
254 108
160 0
122 0
365 745
186 0
173 0
481 904
259 0
381 836
316 453
560 1237
392 456
370 653
527 1032
147 0
621 1355
450 1092
347 436
257 209
142 0
289 172
129 0
434 712
440 345
482 1129
472 721
289 654
220 419
190 431
184 156
248 269
293 840
569 1151
138 0
251 133
338 601
317 99
344 503
232 0
249 0
607 1311
256 298
682 1050
268 271
137 0
344 0
206 0
321 638
180 0
397 799
188 0
142 0
217 136
296 485
282 265
377 380
438 926
377 606
754 1192
342 425
442 962
466 992
173 0
503 806
410 734
251 532
531 1587
451 1549
409 1352
413 863
455 762
462 1093
469 1120
564 997
367 133
320 602
418 822
418 945
468 391
288 162
259 210
192 0
195 0
175 0
371 805
192 0
353 534
338 429
178 0
459 1099
299 283
805 1448
326 126
385 538
730 1426
529 1048
145 0
243 95
410 681
337 246
430 482
236 52
460 856
469 1048
296 465
360 15
410 772
518 250
581 1298
485 890
287 309
149 0
370 293
365 295
494 885
396 844
236 81
364 732
297 121
527 846
351 594
270 194
299 426
280 410
155 0
368 588
413 1000
321 138
406 1020
358 1216
134 98
383 1003
283 333
357 331
589 1407
511 1081
162 0
264 344
394 607
281 333
505 1084
318 357
448 815
456 812
449 227
491 1046
599 454
483 605
228 68
150 0
160 0
515 1086
367 570
221 0
323 308
392 955
584 701
378 657
187 0
267 132
215 0
380 651
636 529
353 531
167 0
272 0
380 481
355 580
287 70
386 823
296 463
340 136
982 1999
721 1361
291 474
137 0
112 0
374 302
339 347
433 578
564 1264
599 1208
142 0
366 717
214 0
574 849
282 382
307 560
192 0
320 797
93 0
489 790
the Y (BALANCE)

Significance F
1.8989E-120

Lower 95% Upper 95% Lower 95.0% Upper 95.0%

-447.993365 -333.6993186 -447.993365 -333.6993186
2.418619483 2.713861171 2.418619483 2.713861171

87237

800 1000 1200

 800 1000 1200

= which clearly supports the

hat which says but there will be an
gets increased by one unit
value is smaller than the 0.05
great predictor for balance in the
Business mechanisms to increase or decrease the balance on credit card
Basis of Card rating and card limit

Limit (X1) Rating (X2) CARD BALANCE (Y) Scatter plot of Card limit(X1) and Ca
3388 681 203
3291 259 148
3327 266 50 CARD BALANCE (Y)
5099 394 889 2500
7518 269 1176
3075 200 0
2000 f(x) = 0.171637278371482 x − 292.790495455992
2959 286 0
4828 339 510
1300 448 0 1500
3500 235 8
4116 458 75
1000
4896 156 710
2330 326 0
4442 949 450 500
3977 411 69
8760 413 1230 0
4668 563 156 0 2000 4000 6000 8000 10000
3536 199 133
5869 455 967
5319 462 541
1852 300 0
2672 253 0
5101 351 710
7167 445 767 Scatter plot of Rating(X2) and Card
7760 469 661
2963 564 375
6784 138 1411 CARD BALANCE (Y)
4534 154 467 2500
5435 372 937
10384 367 1597 2000
2880 390 0
10673 364 1573 1500
3806 254 188
7667 160 930 1000
4327 223 230
5245 320 637 500 f(x) = 0.066427766794535 x + 496.437128453948
5137 694 661
4221 380 118 0
9272 418 1140 0 200 400 600 800
10278 538 1107
3615 355 216
1870 418 0
3683 253 371
1335 468 0
3838 288 480
8376 122 1259
4891 828 1036
2525 182 0
3714 543 0
4323 245 671
13414 120 1809
2937 266 0
855 365 0
3388 259 155
5829 250 1018
5835 231 835
5728 474 581
6420 369 789
5384 186 802
2000 173 0
9156 128 732
2923 481 191
2001 117 0
5013 192 549
5051 195 711
3807 259 320
11966 427 1405
6819 452 1350
3821 257 868
6045 314 1425
2631 175 0
5179 387 411
5183 371 654
3969 192 211
3180 435 29
4307 353 579
5767 143 1023
3461 338 255
5443 406 912
3155 381 0
4745 203 724
5180 178 516
2120 219 0
7398 459 749
5343 299 829
8244 292 1329
 906 316 0
5182 560 218
11200 459 1677
4970 335 414
2586 805 0
3402 316 182
855 326 0
2955 385 204
7140 730 583
4471 398 611
7659 304 1155
4569 169 902
1160 529 5
9504 145 964
2860 392 89
5198 642 631
3254 243 145
2271 410 0
3211 337 199
1774 370 0
6662 633 984
5640 411 905
5524 527 966
9560 430 1687
5765 341 1246
3690 232 728
7075 236 580
7114 263 872
6626 262 1048
2101 460 0
3189 147 0
7416 189 669
4673 265 642
3000 191 0
2021 621 0
4697 469 108
2179 135 0
2762 450 52
4640 296 681
7306 270 1142
1357 379 0
2308 360 0
5382 433 1380
4706 410 1255
4543 347 1054
5308 439 204
4378 257 368
 6384 518 891
2646 377 0
4763 183 385
6257 581 976
1499 485 0
1786 156 0
4742 142 379
9704 387 1388
7402 287 1103
4923 149 663
12066 370 1779
3271 204 47
6386 372 768
1402 289 0
1362 365 0
5550 536 653
2820 165 0
3965 298 384
4090 494 0
5673 396 1075
3557 534 163
3351 129 148
2430 236 0
5833 364 942
1626 508 0
5274 297 863
7506 527 905
1924 351 0
3874 270 0
7685 301 843
5145 299 503
3873 280 413
4943 389 382
10578 155 1393
6645 292 903
5043 832 1241
5533 434 1404
1647 362 195
1233 382 16
9310 440 1050
2733 368 0
2252 413 0
5466 515 957
1337 538 0
3261 398 297
9113 482 1341
1568 747 0
3613 472 187
886 321 0
5977 415 548
3584 483 423
3933 491 336
4159 289 571
4613 220 573
7555 376 1058
4788 241 689
4986 190 489
5149 433 443
2493 281 0
5184 459 345
3235 184 159
2532 406 0
4381 701 188
5199 499 633
5380 358 907
2539 149 0
9824 437 1243
2863 128 415
3300 134 279
6378 665 968
1757 299 0
5611 248 915
7838 293 526
3899 383 531
5294 283 531
3089 514 108
1671 357 0
1433 569 0
4768 512 745
2117 589 0
2161 138 0
7056 511 904
3411 479 0
4865 213 836
4391 398 453
7499 333 1237
5310 210 456
5222 162 653
6906 264 1032
1787 205 0
8603 376 1355
6196 301 1092
4866 394 436
3476 413 209
 1552 281 0
3526 251 172
1485 505 0
5891 318 712
5759 338 345
6827 224 1129
6555 171 721
3625 317 654
2558 344 419
2433 232 431
2120 448 156
3063 352 269
3782 431 840
8047 456 1151
1311 249 0
2998 388 133
4523 607 601
4263 256 99
4433 682 503
2906 115 0
2832 263 0
8494 449 1311
3736 279 298
9540 491 1050
3326 268 271
1410 626 0
4612 137 0
2168 599 0
3878 279 638
2450 162 0
5309 407 799
2220 278 0
1349 728 0
3085 483 136
3907 549 485
3484 228 265
5228 341 380
5884 150 926
5303 121 606
10748 344 1192
4716 235 425
6090 235 962
6135 160 992
2150 515 0
7100 429 806
5758 367 734
3293 214 532
 7582 167 1587
6207 344 1549
5495 339 1352
5666 750 863
6457 206 762
6481 221 1093
6375 294 1120
7569 382 997
4779 309 133
4160 167 602
5619 554 822
5390 287 945
6662 181 391
3449 517 162
3182 310 210
2529 383 0
2531 321 0
2073 180 0
5110 320 805
2420 397 0
4831 323 534
4284 383 429
2327 215 0
6179 392 1099
4270 344 283
11589 584 1448
4411 547 126
5352 387 538
10088 378 1426
7333 360 1048
1448 187 0
3206 579 95
5289 369 681
4229 388 246
5614 103 482
2910 188 52
6617 267 856
6386 402 1048
4049 304 465
4952 186 15
5565 215 772
6982 383 250
8100 380 1298
6396 142 890
3665 217 309
1389 636 0
5140 353 293
4964 167 295
7010 272 885
5429 296 844
3096 268 81
5072 380 732
3673 817 121
7576 205 846
4756 321 594
3409 355 194
3922 352 426
3746 287 410
1561 332 0
4840 386 588
5673 656 1000
4171 296 138
5521 522 1020
4391 340 1216
1551 229 98
5354 282 1003
3606 982 333
4897 721 331
8117 291 1407
6922 377 1081
1829 261 0
3461 438 344
5441 119 607
3480 377 333
6819 707 1084
3954 260 357
6340 401 815
6040 137 812
6033 420 227
6637 754 1046
8157 112 454
6754 374 605
2748 507 68
1501 342 0
1705 442 0
7530 188 1086
4527 339 570
2607 344 0
4351 433 308
5395 685 955
7818 564 701
4776 263 657
2278 599 0
3202 466 132
 2561 173 0
5107 142 651
8732 366 529
5000 214 531
2047 574 0
3098 282 0
5096 180 481
4632 287 580
3762 126 70
5227 503 823
3907 196 463
4712 138 136
13913 410 1999
10230 307 1361
3976 296 474
1511 192 0
1134 538 0
5140 320 302
4336 354 347
6127 251 578
7871 367 1264
8028 531 1208
1567 610 0
4941 451 717
2860 93 0
8029 353 849
3274 369 382
4100 126 560
2525 223 0
4431 329 797
905 489 0
6442 409 790
e on credit cards on the

ard limit(X1) and Card balance (Y) Regression Model

SUMMARY OUTPUT
ARD BALANCE (Y)
Regression Statistics
Multiple R 0.861697267
R Square 0.74252218
71482 x − 292.790495455992 Adjusted R Square 0.7418752508
Standard Error 233.58499824
Observations 400

ANOVA
df SS MS
Regression 1 62624255.2509 62624255
Residual 398 21715656.6591 54561.95
Total 399 84339911.91

6000 8000 10000 12000 14000 16000 Coefficients Standard Error t Stat
Intercept -292.7904955 26.6834145155 -10.97275
Limit (X) 0.1716372784 0.0050662344 33.87867

Rating(X2) and Card balance (Y) Regression Model

SUMMARY OUTPUT
ARD BALANCE (Y)
Regression Statistics
Multiple R 0.0223551513
R Square 0.0004997528
Adjusted R Square -0.002011554
Standard Error 460.22106007
Observations 400

ANOVA
df SS MS
4535 x + 496.437128453948
Regression 1 42149.1062229 42149.11
Residual 398 84297762.8038 211803.4
0 600 800 1000 1200 Total 399 84339911.91
 Coefficients Standard Error t Stat
Intercept 496.43712845 57.6458284031 8.611848
Rating (X2) 0.0664277668 0.14890934588 0.446095
 F Significance F
1147.764 2.53058E-119

P-value Lower 95% Upper 95% Lower 95.0% Upper 95.0%

1.184E-24 -345.2485494 -240.3324415 -345.2485494 -240.3324415
2.53E-119 0.1616773537 0.181597203 0.1616773537 0.181597203

F Significance F
0.199001 0.65577096
 P-value Lower 95% Upper 95% Lower 95.0% Upper 95.0%
1.699E-16 383.1087546 609.76550231 383.1087546 609.76550231
0.655771 -0.226319419 0.3591749523 -0.226319419 0.3591749523
Lets see how No of cards to a perticular person and limit of the card affect th
We wil run a multiple regression model to see how Both together have an effect
on the balance and what effect ih has keeping one variale constant

No . Cards (X1) Limit (X2) Balance Y Correlation Matrix

2 3388 203
2 3291 148 No . Cards (X1) Limit (X2)
3 3327 50 No . Cards (X1) 1
4 5099 889 Limit (X2) 0.010231333 1
3 7518 1176 Balance Y 0.086456347 0.861697267
3 3075 0
2 2959 0 Multiple linear Regression
5 4828 510
3 1300 0 We wil do a multuple lenear regression where Two factors mean
3 3500 8
2 4116 75 SUMMARY OUTPUT
3 4896 710
5 2330 0 Regression Statistics
1 4442 450 Multiple R 0.8651882952
2 3977 69 R Square 0.7485507862
5 8760 1230 Adjusted R Square 0.7472840395
2 4668 156 Standard Error 231.12475254
2 3536 133 Observations 400
5 5869 967
3 5319 541 ANOVA
3 1852 0 df SS
1 2672 0 Regression 2 63132707.369
3 5101 710 Residual 397 21207204.541
2 7167 767 Total 399 84339911.91
3 7760 661
2 2963 375 Coefficients Standard Error
5 6784 1411 Intercept -369.03595539 36.164146566
2 4534 467 No . Cards X1 26.033754269 8.4383635094
2 5435 937 Limit X2 0.1714790369 0.0050131364
3 10384 1597
2 2880 0 The Coefficients
3 10673 1573 Intercept is -369.03
2 3806 188 Limit X1 is 0.171
2 7667 930 No. of cards X2 is - 26.033
3 4327 230
2 5245 637
3 5137 661
3 4221 118
2 9272 1140
1 10278 1107
2 3615 216
3 1870 0
4 3683 371
2 1335 0
5 3838 480
2 8376 1259
1 4891 1036
3 2525 0
3 3714 0
5 4323 671
2 13414 1809
2 2937 0
5 855 0
4 3388 155
4 5829 1018
3 5835 835
3 5728 581
2 6420 789
2 5384 802
4 2000 0
2 9156 732
3 2923 191
5 2001 0
3 5013 549
3 5051 711
4 3807 320
2 11966 1405
3 6819 1350
4 3821 868
3 6045 1425
3 2631 0
5 5179 411
3 5183 654
2 3969 211
2 3180 29
4 4307 579
4 5767 1023
3 3461 255
4 5443 912
2 3155 0
3 4745 724
3 5180 516
2 2120 0
1 7398 749
2 5343 829
3 8244 1329
2 906 0
6 5182 218
7 11200 1677
1 4970 414
5 2586 0
2 3402 182
3 855 0
5 2955 204
2 7140 583
3 4471 611
2 7659 1155
4 4569 902
3 1160 5
3 9504 964
4 2860 89
2 5198 631
1 3254 145
4 2271 0
4 3211 199
2 1774 0
3 6662 984
3 5640 905
5 5524 966
3 9560 1687
3 5765 1246
2 3690 728
4 7075 580
2 7114 872
2 6626 1048
2 2101 0
3 3189 0
3 7416 669
2 4673 642
3 3000 0
3 2021 0
4 4697 108
2 2179 0
3 2762 52
2 4640 681
2 7306 1142
3 1357 0
2 2308 0
1 5382 1380
6 4706 1255
2 4543 1054
1 5308 204
3 4378 368
1 6384 891
2 2646 0
2 4763 385
1 6257 976
2 1499 0
2 1786 0
7 4742 379
4 9704 1388
2 7402 1103
1 4923 663
4 12066 1779
3 3271 47
4 6386 768
2 1402 0
4 1362 0
2 5550 653
1 2820 0
2 3965 384
3 4090 0
4 5673 1075
1 3557 163
5 3351 148
2 2430 0
3 5833 942
2 1626 0
3 5274 863
2 7506 905
2 1924 0
3 3874 0
2 7685 843
3 5145 503
1 3873 413
2 4943 382
3 10578 1393
3 6645 903
2 5043 1241
5 5533 1404
2 1647 195
3 1233 16
3 9310 1050
5 2733 0
6 2252 0
4 5466 957
2 1337 0
5 3261 297
1 9113 1341
5 1568 0
4 3613 187
5 886 0
4 5977 548
5 3584 423
4 3933 336
3 4159 571
5 4613 573
3 7555 1058
1 4788 689
2 4986 489
5 5149 443
1 2493 0
4 5184 345
5 3235 159
4 2532 0
3 4381 188
7 5199 633
5 5380 907
1 2539 0
3 9824 1243
2 2863 415
5 3300 279
1 6378 968
3 1757 0
4 5611 915
2 7838 526
4 3899 531
4 5294 531
3 3089 108
2 1671 0
3 1433 0
4 4768 745
3 2117 0
3 2161 0
1 7056 904
3 3411 0
5 4865 836
2 4391 453
5 7499 1237
2 5310 456
4 5222 653
6 6906 1032
4 1787 0
3 8603 1355
6 6196 1092
1 4866 436
2 3476 209
2 1552 0
3 3526 172
3 1485 0
4 5891 712
3 5759 345
2 6827 1129
2 6555 721
6 3625 654
3 2558 419
3 2433 431
4 2120 156
3 3063 269
2 3782 840
4 8047 1151
3 1311 0
4 2998 133
4 4523 601
1 4263 99
3 4433 503
4 2906 0
4 2832 0
5 8494 1311
1 3736 298
6 9540 1050
4 3326 271
3 1410 0
3 4612 0
3 2168 0
8 3878 638
2 2450 0
3 5309 799
3 2220 0
4 1349 0
1 3085 136
2 3907 485
6 3484 265
3 5228 380
4 5884 926
1 5303 606
2 10748 1192
2 4716 425
3 6090 962
4 6135 992
4 2150 0
2 7100 806
4 5758 734
1 3293 532
2 7582 1587
4 6207 1549
1 5495 1352
4 5666 863
2 6457 762
2 6481 1093
3 6375 1120
3 7569 997
4 4779 133
4 4160 602
2 5619 822
4 5390 945
3 6662 391
3 3449 162
2 3182 210
1 2529 0
1 2531 0
2 2073 0
3 5110 805
2 2420 0
3 4831 534
5 4284 429
1 2327 0
4 6179 1099
1 4270 283
1 11589 1448
2 4411 126
4 5352 538
7 10088 1426
6 7333 1048
2 1448 0
2 3206 95
2 5289 681
3 4229 246
3 5614 482
6 2910 52
1 6617 856
4 6386 1048
1 4049 465
4 4952 15
4 5565 772
2 6982 250
2 8100 1298
3 6396 890
4 3665 309
5 1389 0
1 5140 293
1 4964 295
3 7010 885
3 5429 844
2 3096 81
1 5072 732
3 3673 121
2 7576 846
2 4756 594
2 3409 194
2 3922 426
2 3746 410
4 1561 0
3 4840 588
5 5673 1000
5 4171 138
2 5521 1020
5 4391 1216
3 1551 98
2 5354 1003
2 3606 333
2 4897 331
4 8117 1407
1 6922 1081
4 1829 0
4 3461 344
1 5441 607
2 3480 333
4 6819 1084
4 3954 357
1 6340 815
3 6040 812
4 6033 227
4 6637 1046
2 8157 454
2 6754 605
3 2748 68
3 1501 0
3 1705 0
1 7530 1086
4 4527 570
4 2607 0
2 4351 308
3 5395 955
4 7818 701
4 4776 657
3 2278 0
5 3202 132
2 2561 0
1 5107 651
3 8732 529
2 5000 531
2 2047 0
4 3098 0
2 5096 481
1 4632 580
3 3762 70
6 5227 823
3 3907 463
2 4712 136
4 13913 1999
3 10230 1361
2 3976 474
2 1511 0
3 1134 0
1 5140 302
1 4336 347
1 6127 578
3 7871 1264
3 8028 1208
3 1567 0
1 4941 717
1 2860 0
2 8029 849
9 3274 382
3 4100 560
1 2525 0
2 4431 797
1 905 0
4 6442 790
 of the card affect the Card balance together
an effect

Balance Y

ession where Two factors means 2 X variables affecting Y variable which is balance

MS F Significance F
31566353.684 590.92382442 9.758453E-120
53418.651237

t Stat P-value Lower 95% Upper 95% Lower 95.0%

-10.204470185 7.2269214E-22 -440.13312796 -297.93878282 -440.13313
3.0851662458 0.0021768189 9.4442908477 42.62321769 9.44429085
34.205938612 2.00225E-120 0.1616234241 0.1813346497 0.16162342
Let us see how Signifant Vaiable X(income) for variable Y(balance)
Let us run a simple lInear regresssion to see the effect of income

Income X Balance Y Linear Regression Model

20.996 203
19.144 148 SUMMARY OUTPUT
34.95 50
11.187 889 Regression Statistics
59.53 1176 Multiple R 0.463656457
38.009 0 R Square 0.21497731
28.575 0 Adjusted R Square 0.213004891
40.442 510 Standard Error 407.8647195
11.808 0 Observations 400
44.473 8
54.663 75 ANOVA
19.636 710 df SS MS
13.676 0 Regression 1 18131167.3992 18131167.4
30.42 450 Residual 398 66208744.5108 166353.6294
50.699 69 Total 399 84339911.91
98.515 1230
69.165 156 Coefficients Standard Error t Stat
29.725 133 Intercept 246.5147506 33.1993473481 7.425289058
30.55 967 Income X 6.048363409 0.5793501634 10.43990973
53.401 541
36.142 0 a The Coefficients
20.791 0 Intercept is -246.514
26.162 710 Income X is 6.048
87.625 767
115.123 661 b The Coeffecients of income which is 6.048 which is significantly away from zero
36.295 375
68.206 1411 c The effect of the coefficient of income on the balance can be calculated from the coe
32.793 467 6.048 which means that there will be an increase of 6.048 dollars in the balance of a
by increasing the income by one unit .
16.479 937
107.841 1597
35.691 0
121.834 1573
36.472 188
83.869 930
51.345 230
39.422 637
33.214 661
58.063 118
115.52 1140
149.316 1107
23.793 216
20.088 0
19.253 371
17.316 0
13.364 480
123.299 1259
33.694 1036
20.089 0
53.598 0
14.09 671
186.634 1809
32.164 0
14.084 0
26.067 155
21.455 1018
34.664 835
63.931 581
58.929 789
23.883 802
27.349 0
151.947 732
10.503 191
34.509 0
40.885 549
24.919 711
27.794 320
180.682 1405
71.061 1350
23.793 868
39.831 1425
20.103 0
64.027 411
36.362 654
39.705 211
33.017 29
15.56 579
20.191 1023
18.145 255
23.283 912
55.056 0
14.887 724
46.102 516
30.406 0
93.039 749
23.949 829
69.656 1329
15.602 0
85.425 218
140.672 1677
44.061 414
27.59 0
21.011 182
12.414 0
14.595 204
104.483 583
12.335 611
113.659 1155
43.479 902
16.279 5
148.924 964
17.7 89
35.51 631
20.936 145
11.741 0
19.588 199
25.936 0
49.166 984
26.4 905
18.701 966
124.29 1687
44.847 1246
30.413 728
104.593 580
71.408 872
42.079 1048
15.354 0
39.11 0
103.893 669
19.529 642
53.319 0
34.772 0
76.348 108
23.365 0
15.476 52
14.956 681
52.179 1142
16.529 0
25.974 0
14.312 1380
16.751 1255
20.405 1054
80.616 204
36.496 368
49.57 891
20.15 0
44.158 385
36.929 976
15.333 0
32.916 0
57.1 379
113.829 1388
58.781 1103
22.939 663
152.298 1779
34.537 47
69.251 768
27.241 0
19.537 0
42.357 653
27.47 0
22.379 384
80.861 0
15.079 1075
27.952 163
29.705 148
10.363 0
29.638 942
18.967 0
16.711 863
82.706 905
24.46 0
75.406 0
92.386 843
48.577 503
12.068 413
53.217 382
135.118 1393
106.025 903
19.531 1241
26.427 1404
10.627 195
20.918 16
180.379 1050
28.941 0
44.522 0
16.304 957
16.819 0
13.561 297
91.362 1341
10.726 0
36.355 187
13.444 0
76.782 548
10.635 423
28.508 336
10.403 571
27.512 573
69.943 1058
15.741 689
42.529 489
60.579 443
15.629 0
67.937 345
26.37 159
42.915 0
55.054 188
48.218 633
21.551 907
39.609 0
128.669 1243
31.029 415
15.125 279
37.348 968
10.742 0
26.813 915
134.181 526
11.795 531
51.872 531
21.238 108
30.682 0
19.225 0
15.846 745
35.177 0
27.039 0
62.602 904
57.202 0
12.238 836
28.316 453
58.026 1237
57.337 456
38.954 653
59.879 1032
22.561 0
72.945 1355
33.657 1092
44.978 436
23.106 209
18.036 0
31.335 172
18.951 0
53.566 712
89 345
37.878 1129
73.327 721
42.471 654
23.35 419
17.976 431
41.419 156
54.319 269
19.782 840
80.18 1151
15.045 0
14.132 133
23.989 601
53.48 99
23.672 503
43.54 0
30.733 0
83.851 1311
21.153 298
146.183 1050
16.482 271
23.012 0
92.112 0
30.132 0
10.793 638
23.45 0
29.567 799
36.364 0
25.988 0
15.866 136
10.852 485
27.229 265
62.328 380
32.856 926
41.365 606
160.231 1192
41.868 425
34.48 962
35.61 992
39.116 0
83.948 806
49.794 734
30.622 532
68.713 1587
33.437 1549
24.824 1352
34.142 863
62.413 762
30.007 1093
31.861 1120
77.38 997
76.273 133
12 602
27.847 822
16.103 945
110.968 391
27.369 162
12.031 210
29.564 0
27.578 0
21.374 0
17.055 805
15.184 0
35.864 534
31.811 429
29.403 0
27.33 1099
36.934 283
158.889 1448
58.351 126
55.187 538
130.209 1426
73.914 1048
21.038 0
24.543 95
34.909 681
41.025 246
66.989 482
26.532 52
58.165 856
36.508 1048
10.588 465
88.83 15
39.055 772
128.04 250
63.534 1298
49.927 890
24.088 309
27.272 0
65.896 293
59.855 295
75.257 885
23.375 844
25.078 81
17.765 732
41.192 121
94.193 846
24.23 594
24.314 194
13.234 426
10.735 410
30.002 0
29.4 588
20.974 1000
57.872 138
56.256 1020
10.842 1216
22.574 98
55.412 1003
14.891 333
55.882 331
63.095 1407
43.682 1081
31.367 0
13.647 344
44.205 607
10.354 333
49.502 1084
24.889 357
55.367 815
48.498 812
107.986 227
46.007 1046
148.08 454
91.876 605
17.392 68
23.857 0
31.353 0
63.809 1086
25.383 570
24.05 0
39.145 308
12.456 955
121.709 701
25.124 657
11.603 0
28.474 132
41.4 0
27.999 651
163.329 529
41.532 531
14.711 0
60.449 0
51.532 481
21.786 580
45.12 70
27.825 823
14.479 463
68.462 136
182.728 1999
125.48 1361
12.581 474
30.012 0
13.433 0
61.62 302
30.111 347
64.173 578
61.069 1264
71.682 1208
28.144 0
19.349 717
53.308 0
101.788 849
14.292 382
12.096 560
37.728 0
44.646 797
15.717 0
113.772 790
 F Significance F
108.9917152 1.030886E-22

P-value Lower 95% Upper 95% Lower 95.0% Upper 95.0%

6.90344E-13 181.24674851 311.7827527 181.24674851 311.78275267
1.030886E-22 4.9093944019 7.187332415 4.9093944019 7.1873324152

ficantly away from zero

n be calculated from the coefficient it is

8 dollars in the balance of a credit card
What is the estimated balance for a person with an income of USD 100k
Income X Balance Y
20.996 203 To get the answer we have to find and Equation Varaibl
19.144 148
34.95 50
11.187 889 Balance Y
59.53 1176 2500
38.009 0
28.575 0
2000
40.442 510
11.808 0
1500
44.473 8
54.663 75 f(x) = 6.04836340853156 x + 246.514750591403

19.636 710 1000

13.676 0
30.42 450 500
50.699 69
98.515 1230 0
0 20 40 60 80 100 120 140 160 180
69.165 156
29.725 133
30.55 967 The regression equation is Y = 6.0484x + 246.51
53.401 541
36.142 0
20.791 0
26.162 710
87.625 767
115.123 661
36.295 375
68.206 1411
32.793 467
16.479 937
107.841 1597
35.691 0
121.834 1573
36.472 188
83.869 930
51.345 230
39.422 637
33.214 661
58.063 118
115.52 1140
149.316 1107
23.793 216
20.088 0
19.253 371
17.316 0
13.364 480
123.299 1259
33.694 1036
20.089 0
53.598 0
14.09 671
186.634 1809
32.164 0
14.084 0
26.067 155
21.455 1018
34.664 835
63.931 581
58.929 789
23.883 802
27.349 0
151.947 732
10.503 191
34.509 0
40.885 549
24.919 711
27.794 320
180.682 1405
71.061 1350
23.793 868
39.831 1425
20.103 0
64.027 411
36.362 654
39.705 211
33.017 29
15.56 579
20.191 1023
18.145 255
23.283 912
55.056 0
14.887 724
46.102 516
30.406 0
93.039 749
23.949 829
69.656 1329
15.602 0
85.425 218
140.672 1677
44.061 414
27.59 0
21.011 182
12.414 0
14.595 204
104.483 583
12.335 611
113.659 1155
43.479 902
16.279 5
148.924 964
17.7 89
35.51 631
20.936 145
11.741 0
19.588 199
25.936 0
49.166 984
26.4 905
18.701 966
124.29 1687
44.847 1246
30.413 728
104.593 580
71.408 872
42.079 1048
15.354 0
39.11 0
103.893 669
19.529 642
53.319 0
34.772 0
76.348 108
23.365 0
15.476 52
14.956 681
52.179 1142
16.529 0
25.974 0
14.312 1380
16.751 1255
20.405 1054
80.616 204
36.496 368
49.57 891
20.15 0
44.158 385
36.929 976
15.333 0
32.916 0
57.1 379
113.829 1388
58.781 1103
22.939 663
152.298 1779
34.537 47
69.251 768
27.241 0
19.537 0
42.357 653
27.47 0
22.379 384
80.861 0
15.079 1075
27.952 163
29.705 148
10.363 0
29.638 942
18.967 0
16.711 863
82.706 905
24.46 0
75.406 0
92.386 843
48.577 503
12.068 413
53.217 382
135.118 1393
106.025 903
19.531 1241
26.427 1404
10.627 195
20.918 16
180.379 1050
28.941 0
44.522 0
16.304 957
16.819 0
13.561 297
91.362 1341
10.726 0
36.355 187
13.444 0
76.782 548
10.635 423
28.508 336
10.403 571
27.512 573
69.943 1058
15.741 689
42.529 489
60.579 443
15.629 0
67.937 345
26.37 159
42.915 0
55.054 188
48.218 633
21.551 907
39.609 0
128.669 1243
31.029 415
15.125 279
37.348 968
10.742 0
26.813 915
134.181 526
11.795 531
51.872 531
21.238 108
30.682 0
19.225 0
15.846 745
35.177 0
27.039 0
62.602 904
57.202 0
12.238 836
28.316 453
58.026 1237
57.337 456
38.954 653
59.879 1032
22.561 0
72.945 1355
33.657 1092
44.978 436
23.106 209
18.036 0
31.335 172
18.951 0
53.566 712
89 345
37.878 1129
73.327 721
42.471 654
23.35 419
17.976 431
41.419 156
54.319 269
19.782 840
80.18 1151
15.045 0
14.132 133
23.989 601
53.48 99
23.672 503
43.54 0
30.733 0
83.851 1311
21.153 298
146.183 1050
16.482 271
23.012 0
92.112 0
30.132 0
10.793 638
23.45 0
29.567 799
36.364 0
25.988 0
15.866 136
10.852 485
27.229 265
62.328 380
32.856 926
41.365 606
160.231 1192
41.868 425
34.48 962
35.61 992
39.116 0
83.948 806
49.794 734
30.622 532
68.713 1587
33.437 1549
24.824 1352
34.142 863
62.413 762
30.007 1093
31.861 1120
77.38 997
76.273 133
12 602
27.847 822
16.103 945
110.968 391
27.369 162
12.031 210
29.564 0
27.578 0
21.374 0
17.055 805
15.184 0
35.864 534
31.811 429
29.403 0
27.33 1099
36.934 283
158.889 1448
58.351 126
55.187 538
130.209 1426
73.914 1048
21.038 0
24.543 95
34.909 681
41.025 246
66.989 482
26.532 52
58.165 856
36.508 1048
10.588 465
88.83 15
39.055 772
128.04 250
63.534 1298
49.927 890
24.088 309
27.272 0
65.896 293
59.855 295
75.257 885
23.375 844
25.078 81
17.765 732
41.192 121
94.193 846
24.23 594
24.314 194
13.234 426
10.735 410
30.002 0
29.4 588
20.974 1000
57.872 138
56.256 1020
10.842 1216
22.574 98
55.412 1003
14.891 333
55.882 331
63.095 1407
43.682 1081
31.367 0
13.647 344
44.205 607
10.354 333
49.502 1084
24.889 357
55.367 815
48.498 812
107.986 227
46.007 1046
148.08 454
91.876 605
17.392 68
23.857 0
31.353 0
63.809 1086
25.383 570
24.05 0
39.145 308
12.456 955
121.709 701
25.124 657
11.603 0
28.474 132
41.4 0
27.999 651
163.329 529
41.532 531
14.711 0
60.449 0
51.532 481
21.786 580
45.12 70
27.825 823
14.479 463
68.462 136
182.728 1999
125.48 1361
12.581 474
30.012 0
13.433 0
61.62 302
30.111 347
64.173 578
61.069 1264
71.682 1208
28.144 0
19.349 717
53.308 0
101.788 849
14.292 382
12.096 560
37.728 0
44.646 797
15.717 0
113.772 790
come of USD 100k per year?  

and Equation Varaible Y through satter plot

03

120 140 160 180 200

Lets explore the relationship between credit card balance (Y)
and (a) Income (b) Age (c) Education (d) Limit, and (e) Rating as X variables

Let's run a multiple linear regression model with a variable Y as balance and variable X with a set of columns such as

Income X1 Limit X2 Rating X3 Age X4 Education X5 Balance Y

20.996 3388 259 37 12 203
19.144 3291 269 75 13 148
34.95 3327 253 54 14 50
11.187 5099 380 69 16 889
59.53 7518 543 52 9 1176
38.009 3075 245 45 15 0
28.575 2959 231 60 11 0
40.442 4828 369 81 8 510
11.808 1300 117 77 14 0
44.473 3500 257 81 16 8
54.663 4116 314 70 8 75
19.636 4896 387 64 10 710
13.676 2330 203 80 16 0
30.42 4442 316 30 14 450
50.699 3977 304 84 17 69
98.515 8760 633 78 11 1230
69.165 4668 341 34 11 156
29.725 3536 270 52 15 133
30.55 5869 439 81 9 967
53.401 5319 377 35 12 541
36.142 1852 183 33 13 0
20.791 2672 204 70 18 0
26.162 5101 382 62 19 710
87.625 7167 515 46 10 767
115.123 7760 538 83 14 661
36.295 2963 241 68 14 375
68.206 6784 499 40 16 1411
32.793 4534 333 44 16 467
16.479 5435 388 26 16 937
107.841 10384 728 87 7 1597
35.691 2880 214 35 15 0
121.834 10673 750 54 16 1573
36.472 3806 309 52 13 188
83.869 7667 554 83 11 930
51.345 4327 320 46 15 230
39.422 5245 383 44 19 637
33.214 5137 387 59 9 661
 58.063 4221 304 50 8 118
115.52 9272 656 69 14 1140
149.316 10278 707 80 16 1107
23.793 3615 263 70 14 216
20.088 1870 180 76 16 0
19.253 3683 287 57 10 371
17.316 1335 138 65 13 0
13.364 3838 296 65 17 480
123.299 8376 610 89 17 1259
33.694 4891 369 52 16 1036
20.089 2525 200 57 15 0
53.598 3714 286 73 17 0
14.09 4323 326 25 16 671
186.634 13414 949 41 14 1809
32.164 2937 223 79 15 0
14.084 855 120 46 17 0
26.067 3388 266 74 17 155
21.455 5829 427 80 12 1018
34.664 5835 452 77 15 835
63.931 5728 435 28 14 581
58.929 6420 459 66 9 789
23.883 5384 398 73 16 802
27.349 2000 169 51 16 0
151.947 9156 642 91 11 732
10.503 2923 232 25 18 191
34.509 2001 189 80 18 0
40.885 5013 379 46 13 549
24.919 5051 372 76 11 711
27.794 3807 301 35 8 320
180.682 11966 832 58 8 1405
71.061 6819 491 41 19 1350
23.793 3821 281 56 12 868
39.831 6045 459 32 12 1425
20.103 2631 213 61 10 0
64.027 5179 398 48 8 411
36.362 5183 376 49 15 654
39.705 3969 301 27 20 211
33.017 3180 224 28 16 29
15.56 4307 352 57 8 579
20.191 5767 431 42 16 1023
18.145 3461 279 56 15 255
23.283 5443 407 49 13 912
55.056 3155 235 31 16 0
14.887 4745 339 58 12 724
46.102 5180 382 81 12 516
30.406 2120 181 79 14 0
93.039 7398 517 67 12 749
 23.949 5343 383 40 18 829
69.656 8244 579 41 14 1329
15.602 906 103 36 11 0
85.425 5182 402 60 12 218
140.672 11200 817 46 9 1677
44.061 4970 352 79 11 414
27.59 2586 229 54 16 0
21.011 3402 261 68 17 182
12.414 855 119 32 12 0
14.595 2955 260 37 9 204
104.483 7140 507 41 14 583
12.335 4471 344 79 12 611
113.659 7659 538 66 15 1155
43.479 4569 354 49 13 902
16.279 1160 126 78 13 5
148.924 9504 681 36 11 964
17.7 2860 235 63 16 89
35.51 5198 364 35 20 631
20.936 3254 253 30 15 145
11.741 2271 182 59 12 0
19.588 3211 265 59 14 199
25.936 1774 135 71 14 0
49.166 6662 508 68 14 984
26.4 5640 398 58 15 905
18.701 5524 415 64 7 966
124.29 9560 701 52 17 1687
44.847 5765 437 53 13 1246
30.413 3690 299 25 15 728
104.593 7075 514 71 11 580
71.408 7114 512 87 9 872
42.079 6626 479 44 9 1048
15.354 2101 171 65 14 0
39.11 3189 263 72 12 0
103.893 7416 549 84 17 669
19.529 4673 341 51 14 642
53.319 3000 235 53 13 0
34.772 2021 167 57 9 0
76.348 4697 344 60 18 108
23.365 2179 167 75 15 0
15.476 2762 215 60 18 52
14.956 4640 332 33 6 681
52.179 7306 522 57 14 1142
16.529 1357 126 62 9 0
25.974 2308 196 24 10 0
14.312 5382 367 59 17 1380
16.751 4706 353 48 14 1255
20.405 4543 329 72 17 1054
 80.616 5308 394 57 7 204
36.496 4378 339 69 15 368
49.57 6384 448 28 9 891
20.15 2646 199 25 14 0
44.158 4763 351 66 13 385
36.929 6257 445 24 14 976
15.333 1499 138 47 9 0
32.916 1786 154 60 8 0
57.1 4742 372 79 18 379
113.829 9704 694 38 13 1388
58.781 7402 538 81 12 1103
22.939 4923 355 47 18 663
152.298 12066 828 41 12 1779
34.537 3271 250 57 17 47
69.251 6386 474 30 12 768
27.241 1402 128 67 15 0
19.537 1362 143 34 9 0
42.357 5550 406 83 12 653
27.47 2820 219 32 11 0
22.379 3965 292 34 14 384
80.861 4090 335 29 15 0
15.079 5673 411 28 15 1075
27.952 3557 263 35 13 163
29.705 3351 262 71 14 148
10.363 2430 191 47 18 0
29.638 5833 433 29 15 942
18.967 1626 156 41 11 0
16.711 5274 387 42 16 863
82.706 7506 536 64 13 905
24.46 1924 165 50 14 0
75.406 3874 298 41 14 0
92.386 7685 534 75 18 843
48.577 5145 389 71 13 503
12.068 3873 292 44 18 413
53.217 4943 362 46 16 382
135.118 10578 747 81 15 1393
106.025 6645 483 82 15 903
19.531 5043 376 64 16 1241
26.427 5533 433 50 15 1404
10.627 1647 149 71 10 195
20.918 1233 128 47 18 16
180.379 9310 665 67 8 1050
28.941 2733 210 43 16 0
44.522 2252 205 72 15 0
16.304 5466 413 66 10 957
16.819 1337 115 74 15 0
13.561 3261 279 37 19 297
 91.362 9113 626 47 17 1341
10.726 1568 162 46 19 0
36.355 3613 278 35 9 187
13.444 886 121 44 10 0
76.782 5977 429 44 12 548
10.635 3584 294 69 16 423
28.508 3933 287 56 14 336
10.403 4159 310 43 7 571
27.512 4613 344 72 17 573
69.943 7555 547 76 9 1058
15.741 4788 360 39 14 689
42.529 4986 369 37 11 489
60.579 5149 388 38 15 443
15.629 2493 186 60 14 0
67.937 5184 383 63 12 345
26.37 3235 268 78 11 159
42.915 2532 205 42 13 0
55.054 4381 321 74 17 188
48.218 5199 401 39 10 633
21.551 5380 420 51 18 907
39.609 2539 188 40 14 0
128.669 9824 685 67 16 1243
31.029 2863 223 66 17 415
15.125 3300 266 66 13 279
37.348 6378 458 72 17 968
10.742 1757 156 57 15 0
26.813 5611 411 55 16 915
134.181 7838 563 48 13 526
11.795 3899 300 25 10 531
51.872 5294 390 81 17 531
21.238 3089 254 59 10 108
30.682 1671 160 77 7 0
19.225 1433 122 38 14 0
15.846 4768 365 53 12 745
35.177 2117 186 62 16 0
27.039 2161 173 40 17 0
62.602 7056 481 84 11 904
57.202 3411 259 72 11 0
12.238 4865 381 67 11 836
28.316 4391 316 29 10 453
58.026 7499 560 67 11 1237
57.337 5310 392 45 7 456
38.954 5222 370 76 13 653
59.879 6906 527 78 15 1032
22.561 1787 147 66 15 0
72.945 8603 621 64 8 1355
33.657 6196 450 55 9 1092
 44.978 4866 347 30 10 436
23.106 3476 257 50 15 209
18.036 1552 142 48 15 0
31.335 3526 289 38 7 172
18.951 1485 129 82 13 0
53.566 5891 434 82 10 712
89 5759 440 37 6 345
37.878 6827 482 80 13 1129
73.327 6555 472 43 15 721
42.471 3625 289 44 12 654
23.35 2558 220 49 12 419
17.976 2433 190 70 16 431
41.419 2120 184 24 11 156
54.319 3063 248 59 8 269
19.782 3782 293 46 16 840
80.18 8047 569 77 10 1151
15.045 1311 138 64 16 0
14.132 2998 251 75 17 133
23.989 4523 338 31 15 601
53.48 4263 317 83 15 99
23.672 4433 344 63 11 503
43.54 2906 232 69 11 0
30.733 2832 249 51 13 0
83.851 8494 607 47 18 1311
21.153 3736 256 41 11 298
146.183 9540 682 66 15 1050
16.482 3326 268 41 15 271
23.012 1410 137 81 16 0
92.112 4612 344 32 17 0
30.132 2168 206 52 17 0
10.793 3878 321 29 13 638
23.45 2450 180 78 13 0
29.567 5309 397 25 15 799
36.364 2220 188 50 19 0
25.988 1349 142 82 12 0
15.866 3085 217 39 13 136
10.852 3907 296 30 9 485
27.229 3484 282 51 11 265
62.328 5228 377 83 15 380
32.856 5884 438 68 13 926
41.365 5303 377 45 14 606
160.231 10748 754 69 17 1192
41.868 4716 342 47 18 425
34.48 6090 442 36 14 962
35.61 6135 466 40 12 992
39.116 2150 173 75 15 0
83.948 7100 503 44 18 806
 49.794 5758 410 40 8 734
30.622 3293 251 68 16 532
68.713 7582 531 56 16 1587
33.437 6207 451 44 9 1549
24.824 5495 409 33 9 1352
34.142 5666 413 47 5 863
62.413 6457 455 71 11 762
30.007 6481 462 69 9 1093
31.861 6375 469 25 16 1120
77.38 7569 564 50 12 997
76.273 4779 367 65 14 133
12 4160 320 28 14 602
27.847 5619 418 78 15 822
16.103 5390 418 45 10 945
110.968 6662 468 45 11 391
27.369 3449 288 40 9 162
12.031 3182 259 58 18 210
29.564 2529 192 30 12 0
27.578 2531 195 34 15 0
21.374 2073 175 74 11 0
17.055 5110 371 55 15 805
15.184 2420 192 69 11 0
35.864 4831 353 66 13 534
31.811 4284 338 75 13 429
29.403 2327 178 37 14 0
27.33 6179 459 36 12 1099
36.934 4270 299 63 9 283
158.889 11589 805 62 17 1448
58.351 4411 326 85 16 126
55.187 5352 385 50 17 538
130.209 10088 730 39 19 1426
73.914 7333 529 67 15 1048
21.038 1448 145 58 13 0
24.543 3206 243 62 12 95
34.909 5289 410 62 16 681
41.025 4229 337 79 19 246
66.989 5614 430 47 14 482
26.532 2910 236 58 19 52
58.165 6617 460 56 12 856
36.508 6386 469 79 6 1048
10.588 4049 296 66 13 465
88.83 4952 360 86 16 15
39.055 5565 410 48 18 772
128.04 6982 518 78 11 250
63.534 8100 581 50 17 1298
49.927 6396 485 75 17 890
24.088 3665 287 56 13 309
 27.272 1389 149 67 10 0
65.896 5140 370 49 17 293
59.855 4964 365 46 13 295
75.257 7010 494 34 18 885
23.375 5429 396 57 15 844
25.078 3096 236 27 15 81
17.765 5072 364 66 12 732
41.192 3673 297 54 16 121
94.193 7576 527 44 16 846
24.23 4756 351 64 15 594
24.314 3409 270 23 7 194
13.234 3922 299 77 17 426
10.735 3746 280 44 17 410
30.002 1561 155 70 13 0
29.4 4840 368 76 18 588
20.974 5673 413 44 16 1000
57.872 4171 321 67 12 138
56.256 5521 406 72 16 1020
10.842 4391 358 37 10 1216
22.574 1551 134 43 13 98
55.412 5354 383 37 16 1003
14.891 3606 283 34 11 333
55.882 4897 357 68 16 331
63.095 8117 589 30 14 1407
43.682 6922 511 49 9 1081
31.367 1829 162 30 10 0
13.647 3461 264 47 14 344
44.205 5441 394 32 12 607
10.354 3480 281 70 17 333
49.502 6819 505 55 14 1084
24.889 3954 318 75 12 357
55.367 6340 448 33 15 815
48.498 6040 456 47 16 812
107.986 6033 449 64 14 227
46.007 6637 491 42 14 1046
148.08 8157 599 83 13 454
91.876 6754 483 33 10 605
17.392 2748 228 32 14 68
23.857 1501 150 56 16 0
31.353 1705 160 81 14 0
63.809 7530 515 56 12 1086
25.383 4527 367 46 11 570
24.05 2607 221 32 18 0
39.145 4351 323 66 13 308
12.456 5395 392 65 14 955
121.709 7818 584 50 6 701
25.124 4776 378 29 12 657
 11.603 2278 187 71 11 0
28.474 3202 267 66 12 132
41.4 2561 215 36 14 0
27.999 5107 380 55 10 651
163.329 8732 636 50 14 529
41.532 5000 353 50 12 531
14.711 2047 167 67 6 0
60.449 3098 272 69 8 0
51.532 5096 380 31 15 481
21.786 4632 355 50 17 580
45.12 3762 287 80 8 70
27.825 5227 386 63 11 823
14.479 3907 296 43 16 463
68.462 4712 340 71 16 136
182.728 13913 982 98 17 1999
125.48 10230 721 82 16 1361
12.581 3976 291 48 16 474
30.012 1511 137 33 17 0
13.433 1134 112 70 14 0
61.62 5140 374 71 9 302
30.111 4336 339 81 18 347
64.173 6127 433 80 10 578
61.069 7871 564 56 14 1264
71.682 8028 599 57 16 1208
28.144 1567 142 51 10 0
19.349 4941 366 33 19 717
53.308 2860 214 84 10 0
101.788 8029 574 84 11 849
14.292 3274 282 64 9 382
12.096 4100 307 32 13 560
37.728 2525 192 44 13 0
44.646 4431 320 49 15 797
15.717 905 93 38 16 0
113.772 6442 489 69 15 790
nce (Y)
ng as X variables

with a set of columns such as income age education limit and rating

Corelation matrix

Income X1 Limit X2 Rating X3 Age X4 Education X5

Income X1 1
Limit X2 0.792088341337 1
Rating X3 0.791377625112 0.996879737002 1
Age X4 0.175338403047 0.100887921563 0.103164995903 1
Education X5 -0.02769198224 -0.02354853418 -0.03013562697 0.003619284574 1
Balance Y 0.463656457016 0.861697267015 0.863625160621 0.001835118859 -0.00806157645

Multiple linear regression model

SUMMARY OUTPUT

Regression Statistics
Multiple R 0.936702578167
R Square 0.877411719944
Adjusted R Square 0.875856031111
Standard Error 161.9917646986
Observations 400

ANOVA
df SS MS F Significance F
Regression 5 74000827.16891 14800165.43378 564.0020685522 4.5908276E-177
Residual 394 10339084.74109 26241.33183018
Total 399 84339911.91

Coefficients Standard Error t Stat P-value Lower 95%

Intercept -473.25140263 55.10833546395 -8.58765554514 2.08837391E-16 -581.594566573
Income X1 -7.60883200342 0.381931562027 -19.9219775476 1.37077478E-61 -8.35971067706
Limit X2 0.079016420111 0.044791004929 1.764113581195 0.078487737397 -0.00904283897
Rating X3 2.773843724909 0.667079558902 4.158190260658 3.9390907E-05 1.462363176554
Age X4 -0.8600304447 0.478700493076 -1.79659402307 0.073165936616 -1.80115714657
Education X5 1.967791521329 2.605290902462 0.755305873701 0.450516748443 -3.15421873336
 Balance Y

Upper 95% Lower 95.0% Upper 95.0%

-364.908238687 -581.59456657 -364.90823869
-6.85795332978 -8.3597106771 -6.8579533298
0.167075679193 -0.009042839 0.16707567919
4.085324273265 1.46236317655 4.08532427326
0.081096257175 -1.8011571466 0.08109625718
7.089801776014 -3.1542187334 7.08980177601