The UniversalBank data set contains data on 20 customers. The data include customer demographic information (age, income, etc.), the customers relationship with the bank (mortgage, securities account, etc.), and the customer response to the last personal loan campaign (Personal Loan). Among these 20 customers, only 4 accepted the personal loan that was offered to them in the earlier campaign.

Transform categorical predictors with more than two categories into dummy variables, then partition the data into training (60%) and validation (40%) sets

Educati Personal Lo 0 0 Mortga 0 Onli Creditca 1 1 0 0 1 0 2 3 Securities CD Accou Accou 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 0 0 2 0 4 5 0 0 2 0 0 6 2 0 0 0 0 2 3 2 3 155 0 0 104 0 0 0 1 0 0 0 1 1 0 1 0 0 3 0 2 0 0 0 0 1 0 3 O 0 0 AY 25 45 39 35 35 37 53 50 35 34 65 29 48 59 67 60 38 42 46 55 56 57 29 44 36 43 40 46 56 38 1 Experien 1 19 15 9 8 13 27 24 10 9 39 5 23 32 41 30 14 18 21 28 31 27 5 18 11 19 16 20 30 13 Incor 49 34 11 100 45 29 72 22 81 180 105 45 114 40 112 22 130 81 193 21 25 63 62 43 152 29 83 158 48 119 0 0 0 0 0 1 0 1 0 0 0 0 ZIP Co Fam CCA 91107 4 1.60 90089 3 1.50 94720 1 1.00 94112 1 2.70 91330 4 1.00 92121 4 0.40 91711 2 1.50 93943 1 0.30 90089 3 0.60 93023 1 8.90 94710 4 2.40 90277 3 0.10 93106 2 3.80 94920 4 2.50 91741 1 2.00 95054 1 1.50 95010 4 4.70 94305 4 2.40 91604 2 8.10 94720 1 0.50 94015 4 0.90 90095 3 2.00 90277 1 1.20 91320 2 0.70 95521 2 3.90 94305 3 0.50 95064 4 0.20 90064 1 2.40 94539 1 2.20 94104 1 3.30 0 0 0 0 1 0 0 1 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 1 0 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 0 0 134 10 2 1 3 3 1 3 2 2 3 0 0 1 0 1 0 0 0 0 0 1 0 0 0 0 1 0 0 0 1 1 111 0 0 0 TOS 1 0 0 1 0 0 1 0 1 0 260 163 159 97 0 0 0 1 0 0 11 0 0 0 1 POOHC 3 0 0 0 0 0 0 0 1 3 2 0 0 0 1 0 0 0 0 1 1 1 1 1 1 0 1 Educati Personal Lo 0 0 Mortga 0 Onli Creditca 1 1 0 0 1 0 2 3 Securities CD Accou Accou 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 0 0 2 0 4 5 0 0 2 0 0 6 2 0 0 0 0 2 3 2 3 155 0 0 104 0 0 0 1 0 0 0 1 1 0 1 0 0 3 0 2 0 0 0 0 1 0 3 O 0 0 AY 25 45 39 35 35 37 53 50 35 34 65 29 48 59 67 60 38 42 46 55 56 57 29 44 36 43 40 46 56 38 1 Experien 1 19 15 9 8 13 27 24 10 9 39 5 23 32 41 30 14 18 21 28 31 27 5 18 11 19 16 20 30 13 Incor 49 34 11 100 45 29 72 22 81 180 105 45 114 40 112 22 130 81 193 21 25 63 62 43 152 29 83 158 48 119 0 0 0 0 0 1 0 1 0 0 0 0 ZIP Co Fam CCA 91107 4 1.60 90089 3 1.50 94720 1 1.00 94112 1 2.70 91330 4 1.00 92121 4 0.40 91711 2 1.50 93943 1 0.30 90089 3 0.60 93023 1 8.90 94710 4 2.40 90277 3 0.10 93106 2 3.80 94920 4 2.50 91741 1 2.00 95054 1 1.50 95010 4 4.70 94305 4 2.40 91604 2 8.10 94720 1 0.50 94015 4 0.90 90095 3 2.00 90277 1 1.20 91320 2 0.70 95521 2 3.90 94305 3 0.50 95064 4 0.20 90064 1 2.40 94539 1 2.20 94104 1 3.30 0 0 0 0 1 0 0 1 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 1 0 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 0 0 134 10 2 1 3 3 1 3 2 2 3 0 0 1 0 1 0 0 0 0 0 1 0 0 0 0 1 0 0 0 1 1 111 0 0 0 TOS 1 0 0 1 0 0 1 0 1 0 260 163 159 97 0 0 0 1 0 0 11 0 0 0 1 POOHC 3 0 0 0 0 0 0 0 1 3 2 0 0 0 1 0 0 0 0 1 1 1 1 1 1 0 1