1. In the Universal Bank classification model estimated with XLMiner, the software produced the validation data set lift chart shown.

How is the naive model displayed in this diagram? What does the other line in the model represent?

Lift Chart (Original) Cumulative actual using average Cumulative actual when sorted using predicted values 1802 160 140 120 Cumulative 100 60- 404 20- 0+ o 200 400 600 800 1,0001,200 1,4001,600 1,8002,00 # Cases Lift Chart (Original) Cumulative actual using average Cumulative actual when sorted using predicted values 1802 160 140 120 Cumulative 100 60- 404 20- 0+ o 200 400 600 800 1,0001,200 1,4001,600 1,8002,00 # Cases