1. A finance company that lends to "high-risk" automobile buyers, finds the following variables important to classifying default probabilities:
2. Time at present residence
3. Prior bankruptcy filing (yes or no)
4. Time in present job
5. Monthly income
6. Phone in name (yes or no)
7. Prior repossession of item purchased on credit (yes or no)
8. Type of residence (e.g. apartment, rent house, purchased house)

Next to each variable indicate whether it increases (+) or decreases (-) anticipated default risk, and how you would evaluate the type of residence in assigning creditworthiness to applicants. Feel free to simply use + and - in the list above.