In the `Credit` data in the `ISLR` package it contains 400 customers and information on their credit history. For full information of the data look at the `help` file. A company has approached us to build a model to better understand factors that influence the `Balance` variable, which is average credit card balance in USD. Using the information in your model:

* Discuss the influential variables * Discuss why you chose the variables you choose to put in the model. * Explain any concerns about use of certain variables in the model? * Discuss how your model was created and any insights you can provide the customer based on the results.