LoanDecision contains 3 unordered categories. To facilitate subsequent analyses, we need to convert LoanDecision into dummy variables. Create the dummy variables using "Need more information" as the reference category. How many dummy variables should be created? BirthDate LoanDecision 2/4/1984 Reject 9/21/1958 Need more information 1/12/1979 Approve 5/17/1958 Approve 7/25/1962 Approve 1/20/1972 Reject 7/7/1961 Reject 9/15/1996 Approve 11/17/1973 Approve 8/2/1954 Need more information 6/22/1994 Need more information 10/12/1956 Need more information 1/24/1978 Need more information 2/27/1991 Approve 10/22/1969 Need more information 5/28/1960 Reject 4/22/1970 Reject 3/15/1960 Reject 1/4/1956 Reject 7/6/1984 Need more information 3/27/1989 Approve 4/3/1978 Approve 12/10/1960 Approve 4/6/1982 Reject 4/23/1973 Need more information 3/6/1990 Reject 12/7/1953 Need more information 6/19/1963 Reject 5/8/1984 Reject 8/20/1997 Need more information