Using this dataset, find naturally occuring clusters using k-means clustering method. Try to describe the clusters you find. Provide both R-code and your comments.

1 ,"n","response","age","hhincome","yrs_school","tenure","gender_f","home_own","yrs_in_residence","tot_com","tot_resp","riskimo","risk6","credit_limit","n_inq_6mo","travel_spend","auto_payment", "total_spend" 2 1,1,0,116,261,2.5,250,1,1,4,50,0,730,753,200,5,0.41,0,54.59 3 4,4,0,57,4113,1.8,248,1,1,1,132,1,804,819,143,0,552.04,1994.21,28538.92 4 9,9,0,79,2058,2.3,249,1,0,0,172,6,773,782,720,0,1511.45,0,14272.08 5 13,15,0,44,775,1.9,248,0,0,0,107,0,661,618,52,15,3381.53,5310.05,44246.92 6 14,16,0,51,515,0.1,248,0,1,4,86,5,583,603,145,2,257.58,0,3268.59 7 15,17,0,182,2830, 2.1,250,0,1,0,82,0,821,804,152,0,2208.8,0,4925.22 8 20,23,0,75,522,1.3,248,1,0,1,100,1,617,616,149,0,2078.17,0,9452.44 9 23,26,0,46,2059,1.1,250,1,0,6,105,8,576,517,42,11,3656.81,0,25365.83 10 24,27,0,45,519,1,249,0,1,10,178,0,746,739,250,13,3369.28,0,20404.06 11 27,30,0,54,777,2.2,357,0,1,20,87,0,833,833,500,0,115.01,0,6235.66 12 29,32,0,57,0,2.4,357,1,0,8,65,1,607,560,25,0,635.2,720,8414.61 1335,39,0,53,1038,1.8,353,1,1,2,101,0,784,801,50,3,711.58,24.32,72482.17 14 36,40,0,54,1823,1.4,353,0,0,0,93,0,783,703,500,20,432.25, 146.1,11107.03 15 37,41,0,57,777,1.8,353,0,0,6,94,0,808,794,278,0,0.41,0,54.59 16 40,44,0,59,1551,3.4,352,0,1,3,155,3,687,675,200,15,613.33,0,19360.7 17 46,52,0,59,1287,2.3,249,0,0,28,158,1,759,758,188,16,2714.06,185.73,27001.18 18 51,57,0,51,260,0.7,214,0,0,0,95,0,750,746,230,0,54.02,0,876.57 19 54,60,0,56,3853,1.4,347,1,1,0,203,0,769,775,300,0,2245.27,3749,32787.34 20 62,68,0,57,261,1,339,0,1,12,109,0,802,785,250,14,379.33,0,8359.62 21 66,73,0,36,770,1.5,194,0,1,8,156,9,753,733,183,27,4530.23,15669.41,85183.5 22 67,74,0,41,268,2.4,193,1,1,3,47,1,778,778,305,6,26.96,0,361.61 23 68,75,0,60,2070,1.5,194,0,0,10,121,0,787,790,210,0,2675.31,0,16880.95 24 70,77,0,58,1287,2.6,338,0,1,12,119,5,805,787,155,5,2924.92,1868.51,15875.5 25 71,78,1,122,4,2.7,348,0,1,23,162,12,747,749,700,8,559.63,0,10355.85 26 72,80,0,54,1037, 1.2,340,0,0,14,145,0,787,784,209,0,226.99,0,8187.94 27 75,83,0,47,2327,1,198,1,1,1,64,0,729,726,145,7,0,0,235.81 28 83,91,0,65,1280,0,337,0,1,0,45,0,721,728,180,0,3841.9,2347.83,35832.04 29 88,96,0,59,524,2.6,192,0,0,15,108,0,815,811,270,0,1225.77,0,13779.21 30 89,97,0,33,2334,0.9,334,1,0,6,187,0,716,716,200,2,4377.49,0,36583.96 31 97,105,0,43,1030,1.9,196,0,1,8,177,8,745,743,240,16,22.73,0,1697.36 32 102,110,1,106,517,2,195,0,0,0,210,12,705,708,146,36,4745.98,0,50164.84 33 104,112,0,56,1559,2.1,332,0,0,17,366,5,680,699,0,38,8372.74,16989.23,88092.1 34 105, 113,0,46,1553,1.3,193,0,0,10,96,0,777,782,250,0,2380.14,0,18580.06 35 107,116,0,53,2829,1.7,331,0,0,32,154,8,698,706,250,3,6080.7,186.83,33718.45 36 111,120,0,58,529,2.3,334,0,0,6,57,0,803,799,125,0,73.91,0,3552.3 37 115,125,0,47,15,0.7,195,1,0,2,73,0,775,768,100,5,30.95,138.71,8476.57 38 124,135,0,57,259,0.9,192,0,1,0,74,0,737,730,100,0,1201.07,0,14601.9 28 83,91,0,65,1280,0,337,0,1,0,45,0,721,728,180,0,3841.9,2347.83,35832.04 23.88,96,0,59,524,2.6,192,0,0,15,108,0,815,811,270,0,1225.77,0,13779.21 30 83,97,0,33,2334,0.9,334,1,0,6,187,0,716,716,200,2,4377.49,0,36583.96 3197,105,0,43,1030,1.9,196,0,1,8,177,8,745,743,240,16,22.73,0,1697.36 32 102,110,1,106,517,2,135,0,0,0,210,12,705,708,146,36,4745.98,0,50164.84 33 104,112,0,56,1559,2.1,332,0,0,17,366,5,680,639,0,38,8372.74,16989.23,88092.1 34 105,113,0,46,1553,1.3,193,0,0,10,36,0,777,782,250,0,2380.14,0,18580.06 35 107,116,0,53,2829,1.7,331,0,0,32,154,8,698,706,250,3,6080.7,186.83,33718.45 36 111,120,0,58,529,2.3,334,0,0,6,57,0,803,799,125,0,73.31,0,3552.3 37 115,125,0,47,15,0.7,195,1,0,2,73,0,775,768,100,5,30.95,138.71,8476.57 38 124,135,0,57,259,0.3,132,0,1,0,74,0,737,730,100,0,1201.07,0,14601.3 33 136,147,0,56,1050,1.3,131,1,1,0,46,0,662,589,121,2,315.7,0,885.59 40 139,150,0,51,773,1.6,132,1,0,0,224,2,674,686,176,12,3437.42,0,31050.86 41 140,151,0,55,1545,1.3,131,1,0,0,174,0,503,503,20,17,1132.22,0,17527.3 42 141,152,0,27,1032,41,131,0,1,24,188,1,620,685,50,22,2370.6,756.76,25438 43 | 142,153,0,35,5126,1.7,191,1,0,1,101,0,997,997,0,0,331.43,1214.36,9441.13 44 144,155,0,53,1028,1.3,131,0,0,0,41,0,479,500,72,6,204.37,0,2572.34 45 150,161,0,54,1804,2.3,192,0,0,4,60,0,800,810,150,3,366.1,0,3694.09 46 151,163,0,64,776,1.9,134,0,0,23,63,0,808,802,150,0,278.59,234.2,2590.72 47 152,164,1,60,2313,1.2,326,0,0,0,357,12,724,712,250,28,20606.06,49213.48,206570.5 48 155,167,0,56,1818,0.7,325,1,1,10,164,2,664,605,0,1,5706.34,0,77483.63 49 160,172,0,38,1802,1.6,190,1,1,8,113,6,661,670,126,20,624.69,0,13443.55 50 | 161,173,0,108,1291,1.5,347,0,0,15,104,1,722,689,206,0,1164.42,0,11162.33 51 162,174,0,172,1292,2.4,320,0,0,26,113,0,787,756,0,0,644.64,378.1,14418.03 52 164,177,0,60,0,0,323,0,1,0,186,0,800,805,250,0,1355.03,0,24924.87 53 172,186,0,61,1283,1.3,324,0,0,25,171,2,805,797,206,6,89.87,50.17,30371.41 54 |173,187,0,56,278,1.4,320,0,0,13,145,3,807,797,300,0,3671.63,19.27,51144.48 55 176,131,0,41,1234,1.7,187,0,1,1,139,0,808,793,200,0,34.59,33.35,2132.79 56 177,192,0,33,775,2.3,190,0,0,9,76,2,681,670,165,10,387.45,0,8503.76 57 183,138,0,65,1286,2.1,322,0,0,0,79,1,812,821,309,0,0,0,832.73 58 | 186,201,0,55,781,2.6,315,0,0,0,262,9,746,755,155,20,997.85,0,22512.82 59 194,210,0,52,1812,0.8,313,0,1,13,237,0,826,804,190,0,6377.11,198.13,52627.33 60 197,213,0,125,1288,0.9,317,0,1,1,127,0,726,704,65,5,0,0,728.31 61 198,214,0,50,281,3.3,317,1,0,0,99,7,799,800,590,9,4721.72,0.5,21346.69 62 203,221,0,63,3031,0.7,308,1,0,15,71,1,726,726,95,0,0,0,7040.93 63 208,226,0,51,2061,1.5,308,0,0,7,31,0,787,788,250,0,1154.33,590.6,21607.28 64 209,227,0,50,264,2.5,308,0,0,0,101,0,753,736,141,3,1112.03,1360,8410.41 65 227,249,0,42,1230,4.2,306,0,0,12,149,1,671,664,450,5,3396.37,0,37137,14 1 ,"n","response","age","hhincome","yrs_school","tenure","gender_f","home_own","yrs_in_residence","tot_com","tot_resp","riskimo","risk6","credit_limit","n_inq_6mo","travel_spend","auto_payment", "total_spend" 2 1,1,0,116,261,2.5,250,1,1,4,50,0,730,753,200,5,0.41,0,54.59 3 4,4,0,57,4113,1.8,248,1,1,1,132,1,804,819,143,0,552.04,1994.21,28538.92 4 9,9,0,79,2058,2.3,249,1,0,0,172,6,773,782,720,0,1511.45,0,14272.08 5 13,15,0,44,775,1.9,248,0,0,0,107,0,661,618,52,15,3381.53,5310.05,44246.92 6 14,16,0,51,515,0.1,248,0,1,4,86,5,583,603,145,2,257.58,0,3268.59 7 15,17,0,182,2830, 2.1,250,0,1,0,82,0,821,804,152,0,2208.8,0,4925.22 8 20,23,0,75,522,1.3,248,1,0,1,100,1,617,616,149,0,2078.17,0,9452.44 9 23,26,0,46,2059,1.1,250,1,0,6,105,8,576,517,42,11,3656.81,0,25365.83 10 24,27,0,45,519,1,249,0,1,10,178,0,746,739,250,13,3369.28,0,20404.06 11 27,30,0,54,777,2.2,357,0,1,20,87,0,833,833,500,0,115.01,0,6235.66 12 29,32,0,57,0,2.4,357,1,0,8,65,1,607,560,25,0,635.2,720,8414.61 1335,39,0,53,1038,1.8,353,1,1,2,101,0,784,801,50,3,711.58,24.32,72482.17 14 36,40,0,54,1823,1.4,353,0,0,0,93,0,783,703,500,20,432.25, 146.1,11107.03 15 37,41,0,57,777,1.8,353,0,0,6,94,0,808,794,278,0,0.41,0,54.59 16 40,44,0,59,1551,3.4,352,0,1,3,155,3,687,675,200,15,613.33,0,19360.7 17 46,52,0,59,1287,2.3,249,0,0,28,158,1,759,758,188,16,2714.06,185.73,27001.18 18 51,57,0,51,260,0.7,214,0,0,0,95,0,750,746,230,0,54.02,0,876.57 19 54,60,0,56,3853,1.4,347,1,1,0,203,0,769,775,300,0,2245.27,3749,32787.34 20 62,68,0,57,261,1,339,0,1,12,109,0,802,785,250,14,379.33,0,8359.62 21 66,73,0,36,770,1.5,194,0,1,8,156,9,753,733,183,27,4530.23,15669.41,85183.5 22 67,74,0,41,268,2.4,193,1,1,3,47,1,778,778,305,6,26.96,0,361.61 23 68,75,0,60,2070,1.5,194,0,0,10,121,0,787,790,210,0,2675.31,0,16880.95 24 70,77,0,58,1287,2.6,338,0,1,12,119,5,805,787,155,5,2924.92,1868.51,15875.5 25 71,78,1,122,4,2.7,348,0,1,23,162,12,747,749,700,8,559.63,0,10355.85 26 72,80,0,54,1037, 1.2,340,0,0,14,145,0,787,784,209,0,226.99,0,8187.94 27 75,83,0,47,2327,1,198,1,1,1,64,0,729,726,145,7,0,0,235.81 28 83,91,0,65,1280,0,337,0,1,0,45,0,721,728,180,0,3841.9,2347.83,35832.04 29 88,96,0,59,524,2.6,192,0,0,15,108,0,815,811,270,0,1225.77,0,13779.21 30 89,97,0,33,2334,0.9,334,1,0,6,187,0,716,716,200,2,4377.49,0,36583.96 31 97,105,0,43,1030,1.9,196,0,1,8,177,8,745,743,240,16,22.73,0,1697.36 32 102,110,1,106,517,2,195,0,0,0,210,12,705,708,146,36,4745.98,0,50164.84 33 104,112,0,56,1559,2.1,332,0,0,17,366,5,680,699,0,38,8372.74,16989.23,88092.1 34 105, 113,0,46,1553,1.3,193,0,0,10,96,0,777,782,250,0,2380.14,0,18580.06 35 107,116,0,53,2829,1.7,331,0,0,32,154,8,698,706,250,3,6080.7,186.83,33718.45 36 111,120,0,58,529,2.3,334,0,0,6,57,0,803,799,125,0,73.91,0,3552.3 37 115,125,0,47,15,0.7,195,1,0,2,73,0,775,768,100,5,30.95,138.71,8476.57 38 124,135,0,57,259,0.9,192,0,1,0,74,0,737,730,100,0,1201.07,0,14601.9 28 83,91,0,65,1280,0,337,0,1,0,45,0,721,728,180,0,3841.9,2347.83,35832.04 23.88,96,0,59,524,2.6,192,0,0,15,108,0,815,811,270,0,1225.77,0,13779.21 30 83,97,0,33,2334,0.9,334,1,0,6,187,0,716,716,200,2,4377.49,0,36583.96 3197,105,0,43,1030,1.9,196,0,1,8,177,8,745,743,240,16,22.73,0,1697.36 32 102,110,1,106,517,2,135,0,0,0,210,12,705,708,146,36,4745.98,0,50164.84 33 104,112,0,56,1559,2.1,332,0,0,17,366,5,680,639,0,38,8372.74,16989.23,88092.1 34 105,113,0,46,1553,1.3,193,0,0,10,36,0,777,782,250,0,2380.14,0,18580.06 35 107,116,0,53,2829,1.7,331,0,0,32,154,8,698,706,250,3,6080.7,186.83,33718.45 36 111,120,0,58,529,2.3,334,0,0,6,57,0,803,799,125,0,73.31,0,3552.3 37 115,125,0,47,15,0.7,195,1,0,2,73,0,775,768,100,5,30.95,138.71,8476.57 38 124,135,0,57,259,0.3,132,0,1,0,74,0,737,730,100,0,1201.07,0,14601.3 33 136,147,0,56,1050,1.3,131,1,1,0,46,0,662,589,121,2,315.7,0,885.59 40 139,150,0,51,773,1.6,132,1,0,0,224,2,674,686,176,12,3437.42,0,31050.86 41 140,151,0,55,1545,1.3,131,1,0,0,174,0,503,503,20,17,1132.22,0,17527.3 42 141,152,0,27,1032,41,131,0,1,24,188,1,620,685,50,22,2370.6,756.76,25438 43 | 142,153,0,35,5126,1.7,191,1,0,1,101,0,997,997,0,0,331.43,1214.36,9441.13 44 144,155,0,53,1028,1.3,131,0,0,0,41,0,479,500,72,6,204.37,0,2572.34 45 150,161,0,54,1804,2.3,192,0,0,4,60,0,800,810,150,3,366.1,0,3694.09 46 151,163,0,64,776,1.9,134,0,0,23,63,0,808,802,150,0,278.59,234.2,2590.72 47 152,164,1,60,2313,1.2,326,0,0,0,357,12,724,712,250,28,20606.06,49213.48,206570.5 48 155,167,0,56,1818,0.7,325,1,1,10,164,2,664,605,0,1,5706.34,0,77483.63 49 160,172,0,38,1802,1.6,190,1,1,8,113,6,661,670,126,20,624.69,0,13443.55 50 | 161,173,0,108,1291,1.5,347,0,0,15,104,1,722,689,206,0,1164.42,0,11162.33 51 162,174,0,172,1292,2.4,320,0,0,26,113,0,787,756,0,0,644.64,378.1,14418.03 52 164,177,0,60,0,0,323,0,1,0,186,0,800,805,250,0,1355.03,0,24924.87 53 172,186,0,61,1283,1.3,324,0,0,25,171,2,805,797,206,6,89.87,50.17,30371.41 54 |173,187,0,56,278,1.4,320,0,0,13,145,3,807,797,300,0,3671.63,19.27,51144.48 55 176,131,0,41,1234,1.7,187,0,1,1,139,0,808,793,200,0,34.59,33.35,2132.79 56 177,192,0,33,775,2.3,190,0,0,9,76,2,681,670,165,10,387.45,0,8503.76 57 183,138,0,65,1286,2.1,322,0,0,0,79,1,812,821,309,0,0,0,832.73 58 | 186,201,0,55,781,2.6,315,0,0,0,262,9,746,755,155,20,997.85,0,22512.82 59 194,210,0,52,1812,0.8,313,0,1,13,237,0,826,804,190,0,6377.11,198.13,52627.33 60 197,213,0,125,1288,0.9,317,0,1,1,127,0,726,704,65,5,0,0,728.31 61 198,214,0,50,281,3.3,317,1,0,0,99,7,799,800,590,9,4721.72,0.5,21346.69 62 203,221,0,63,3031,0.7,308,1,0,15,71,1,726,726,95,0,0,0,7040.93 63 208,226,0,51,2061,1.5,308,0,0,7,31,0,787,788,250,0,1154.33,590.6,21607.28 64 209,227,0,50,264,2.5,308,0,0,0,101,0,753,736,141,3,1112.03,1360,8410.41 65 227,249,0,42,1230,4.2,306,0,0,12,149,1,671,664,450,5,3396.37,0,37137,14