Kevin Brown is the management accountant at Boehm and Sons Bank. Some of his colleagues attended a conference recently where they learned that machine learning can be used to accurately predict loan performance. Excited by the$$ possibilities, they asked Kevin to work with the data science team to develop a machine learning model that predicts whether a loan will repay or default. Kevin knows that defaulting loans have significantly hurt Boehm and$$ Sons' profitability. Kevin tells the data science team that his colleagues will appreciate a model that is interpretable and easy to$$ understand, so they decide to use a decision tree. The team selects a random sample of eight loans $($three loans that defaulted and five loans that$$ repaid$)$ from Boehm and$$ Sons' internal loan database and begins the analysis.