3. Estimate the following regression model and write down the regression equation (2%) (Report your answer with 4 decimal places): Credit Score Bo + B Delinq2Yr + BBankcardCredit_limit + B3Credit Length + B Employ Length + B,Annual Income + B.DTI + B-Total Balance + E 4. Interpret the coefficients of Annual Income (5) and DTI (66). (2%) 5. What are the significant variables that affect Credit Score at the 5% significance level? (2%) 6. State the coefficient of determination (R2) and interpret it (1%). 7. Predict the Credit Score of borrower A if the borrower has no delinquency in last two years, bankcard credit limit of 50 thousand dollars, credit history of 20 years, employment length of 10 years, annual income of 80 thousand dollars, debt to income ratios of 10, and total balance of 150 thousand dollars (1%). (Report your answer with 2 decimal places) 2 3 4 Multiple R Regression Statistics 5 R Square 6 Adjusted R Square 7 Standard Error 8 Observations 9 10 ANOVA 11 12 Regression 13 Residual 14 Total 15 16 22 17 Intercept 18 Delinq2Yr 19 BankcardCredit_limit 20 Credit Length 21 Employ Length 22 Annual Income 23 DTI 24 Total Balance 25 0.980017257 0.960433824 0.957578533 4.180237003 df 105 7 97 104 SS MS F Significance F 41144.985 5877.855 336.3698471 4.55471E-65 1695.014996 17.4743814 42840 Coefficients Standard Error t Stat P-value Lower 95% Upper 95 % Lower 95.0% Upper 95.0% 3.521211425 3.140437363 1.12124874 0.264950157 -2.71168742 9.754110274 -2.71168742 9.754110274 -1.443142738 0.574232591 -2.51316759 0.01361338 -2.58283548 -0.30345 -2.58283548 -0.30345 -0.002228432 0.023802504 -0.09362173 0.925602756 -0.04946981 0.04501295 -0.04946981 0.04501295 0.006580148 0.076455092 0.08606553 0.931591731 -0.14516205 0.158322342 -0.14516205 0.158322342 1.573454201 0.334142522 4.70893137 8.29402E-06 0.910273791 2.236634611 0.910273791 2.236634611 0.395262098 0.050037984 7.89924111 4.3906E-12 0.295950551 0.494573644 0.295950551 0.494573644 -0.24086742 0.073414671 -3.28091672 0.001438385 -0.38657522 -0.09515962 -0.38657522 -0.09515962 0.133748422 0.023113527 5.78658654 8.80428E-08 0.08787447 0.179622374 0.08787447 0.179622374