The term ‘Vintage’ refers to the month or quarter in which account was opened (loan was granted). In simple words, the vintage analysis measures the performance of a portfolio in different periods of time after the loan (or credit card) was granted.

In simple words, it is the risk of borrower not repaying loan, credit card or any other type of loan.

#load libraries
library(dplyr)
## 
## Attaching package: 'dplyr'
## The following objects are masked from 'package:stats':
## 
##     filter, lag
## The following objects are masked from 'package:base':
## 
##     intersect, setdiff, setequal, union
library(lubridate)
## 
## Attaching package: 'lubridate'
## The following objects are masked from 'package:base':
## 
##     date, intersect, setdiff, union
library(Rprofet)
## Warning: package 'Rprofet' was built under R version 4.2.3
library(dlookr)
## 
## Attaching package: 'dlookr'
## The following object is masked from 'package:base':
## 
##     transform
library(flextable)
#read the data

mydata = read.csv("E:/MScDataScience/predictive/projectgroup/April Vintage 2013.csv")


#checking the data
str(mydata)
## 'data.frame':    92630 obs. of  24 variables:
##  $ ID                     : int  24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 24508841 ...
##  $ OpenDate               : chr  "4/2/2013" "4/2/2013" "4/2/2013" "4/2/2013" ...
##  $ DatePrevStmt           : chr  "NULL" "4/8/2013" "5/9/2013" "6/7/2013" ...
##  $ StatementDt            : chr  "4/8/2013" "5/9/2013" "6/7/2013" "7/9/2013" ...
##  $ MOB                    : int  0 1 2 3 4 5 6 7 8 9 ...
##  $ ExtStatus              : chr  " " " " " " " " ...
##  $ IntStatus              : chr  " " " " " " " " ...
##  $ DaysDeliq              : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ ActualMinPay           : num  30 30 30 30 30 30 30 30 30 30 ...
##  $ OverlimitAmount        : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ DisplayMinPay          : num  30 30 30 30 30 30 30 30 30 30 ...
##  $ OpeningBalance         : num  0 180 154 160 268 ...
##  $ BillLateCharge         : num  0 0 0 0 0 0 0 25 0 0 ...
##  $ EndingBalance          : num  180 154 160 268 246 ...
##  $ CreditLimit            : int  300 300 300 300 300 300 300 300 300 300 ...
##  $ TotalNetPayments       : num  0 30 30 30 30 30 30 30 30 30 ...
##  $ TotalNetPurchaseAndCash: num  0 0 19.6 130 0 ...
##  $ TotalFeesBilled        : num  0 4.5 15.66 8.18 7.89 ...
##  $ Concessions            : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ QuarterlyCreditScore   : int  0 536 536 536 536 515 515 515 515 509 ...
##  $ Bscore                 : int  11 636 639 644 648 657 662 655 655 657 ...
##  $ City                   : chr  "NORTH LAS VEGAS             " "NORTH LAS VEGAS             " "NORTH LAS VEGAS             " "NORTH LAS VEGAS             " ...
##  $ State                  : chr  "NV" "NV" "NV" "NV" ...
##  $ ZipCode                : int  89031 89031 89031 89031 89031 89031 89031 89031 89031 89031 ...
summary(mydata)
##        ID             OpenDate         DatePrevStmt       StatementDt       
##  Min.   :24508841   Length:92630       Length:92630       Length:92630      
##  1st Qu.:24798025   Class :character   Class :character   Class :character  
##  Median :24817216   Mode  :character   Mode  :character   Mode  :character  
##  Mean   :24807089                                                           
##  3rd Qu.:24836995                                                           
##  Max.   :24856424                                                           
##       MOB          ExtStatus          IntStatus           DaysDeliq     
##  Min.   : 0.000   Length:92630       Length:92630       Min.   :  0.00  
##  1st Qu.: 3.000   Class :character   Class :character   1st Qu.:  0.00  
##  Median : 7.000   Mode  :character   Mode  :character   Median :  0.00  
##  Mean   : 7.273                                         Mean   : 25.54  
##  3rd Qu.:12.000                                         3rd Qu.: 30.00  
##  Max.   :17.000                                         Max.   :390.00  
##   ActualMinPay    OverlimitAmount   DisplayMinPay     OpeningBalance  
##  Min.   :   0.0   Min.   :   0.00   Min.   :-401.01   Min.   :-500.6  
##  1st Qu.:  30.0   1st Qu.:   0.00   1st Qu.:  30.00   1st Qu.: 175.0  
##  Median :  30.0   Median :   0.00   Median :  33.71   Median : 304.6  
##  Mean   :  63.2   Mean   :  28.39   Mean   :  84.99   Mean   : 333.3  
##  3rd Qu.:  60.0   3rd Qu.:  30.19   3rd Qu.:  90.00   3rd Qu.: 441.9  
##  Max.   :1237.0   Max.   :2199.63   Max.   :2374.63   Max.   :2499.6  
##  BillLateCharge   EndingBalance     CreditLimit    TotalNetPayments 
##  Min.   : 0.000   Min.   :-500.6   Min.   :  0.0   Min.   :-817.77  
##  1st Qu.: 0.000   1st Qu.: 203.1   1st Qu.:300.0   1st Qu.:   0.00  
##  Median : 0.000   Median : 310.6   Median :300.0   Median :  30.00  
##  Mean   : 8.553   Mean   : 351.4   Mean   :428.7   Mean   :  60.25  
##  3rd Qu.:25.000   3rd Qu.: 455.9   3rd Qu.:700.0   3rd Qu.:  68.97  
##  Max.   :35.000   Max.   :2499.6   Max.   :900.0   Max.   :2770.07  
##  TotalNetPurchaseAndCash TotalFeesBilled     Concessions       
##  Min.   :-2007.74        Min.   :-359.350   Min.   :-607.8700  
##  1st Qu.:    0.00        1st Qu.:   5.902   1st Qu.:   0.0000  
##  Median :    0.00        Median :  15.050   Median :   0.0000  
##  Mean   :   59.46        Mean   :  22.306   Mean   :  -0.7421  
##  3rd Qu.:   63.88        3rd Qu.:  38.550   3rd Qu.:   0.0000  
##  Max.   : 2488.63        Max.   : 190.520   Max.   : 414.3100  
##  QuarterlyCreditScore     Bscore          City              State          
##  Min.   :  0.0        Min.   : 11.0   Length:92630       Length:92630      
##  1st Qu.:513.0        1st Qu.:556.0   Class :character   Class :character  
##  Median :576.0        Median :624.0   Mode  :character   Mode  :character  
##  Mean   :521.2        Mean   :532.5                                        
##  3rd Qu.:626.0        3rd Qu.:651.0                                        
##  Max.   :798.0        Max.   :717.0                                        
##     ZipCode     
##  Min.   :  605  
##  1st Qu.:29102  
##  Median :46224  
##  Mean   :51290  
##  3rd Qu.:77703  
##  Max.   :99775
#Changing data types of date variables (OpenDate, DatePrevStmt, StatementDt) to date data type 
mydata$OpenDate =   as.Date(mydata$OpenDate, format = "%m/%d/%Y")
mydata$DatePrevStmt = as.Date(mydata$DatePrevStmt, format = "%m/%d/%Y")
mydata$StatementDt =  as.Date(mydata$StatementDt, format = "%m/%d/%Y")
summary(mydata)
##        ID              OpenDate           DatePrevStmt       
##  Min.   :24508841   Min.   :2013-04-01   Min.   :2013-04-08  
##  1st Qu.:24798025   1st Qu.:2013-04-07   1st Qu.:2013-07-09  
##  Median :24817216   Median :2013-04-11   Median :2013-10-20  
##  Mean   :24807089   Mean   :2013-04-11   Mean   :2013-11-10  
##  3rd Qu.:24836995   3rd Qu.:2013-04-17   3rd Qu.:2014-03-14  
##  Max.   :24856424   Max.   :2013-04-30   Max.   :2014-09-28  
##                                          NA's   :7060        
##   StatementDt              MOB          ExtStatus          IntStatus        
##  Min.   :2013-04-08   Min.   : 0.000   Length:92630       Length:92630      
##  1st Qu.:2013-07-12   1st Qu.: 3.000   Class :character   Class :character  
##  Median :2013-11-08   Median : 7.000   Mode  :character   Mode  :character  
##  Mean   :2013-11-23   Mean   : 7.273                                        
##  3rd Qu.:2014-04-04   3rd Qu.:12.000                                        
##  Max.   :2014-09-30   Max.   :17.000                                        
##                                                                             
##    DaysDeliq       ActualMinPay    OverlimitAmount   DisplayMinPay    
##  Min.   :  0.00   Min.   :   0.0   Min.   :   0.00   Min.   :-401.01  
##  1st Qu.:  0.00   1st Qu.:  30.0   1st Qu.:   0.00   1st Qu.:  30.00  
##  Median :  0.00   Median :  30.0   Median :   0.00   Median :  33.71  
##  Mean   : 25.54   Mean   :  63.2   Mean   :  28.39   Mean   :  84.99  
##  3rd Qu.: 30.00   3rd Qu.:  60.0   3rd Qu.:  30.19   3rd Qu.:  90.00  
##  Max.   :390.00   Max.   :1237.0   Max.   :2199.63   Max.   :2374.63  
##                                                                       
##  OpeningBalance   BillLateCharge   EndingBalance     CreditLimit   
##  Min.   :-500.6   Min.   : 0.000   Min.   :-500.6   Min.   :  0.0  
##  1st Qu.: 175.0   1st Qu.: 0.000   1st Qu.: 203.1   1st Qu.:300.0  
##  Median : 304.6   Median : 0.000   Median : 310.6   Median :300.0  
##  Mean   : 333.3   Mean   : 8.553   Mean   : 351.4   Mean   :428.7  
##  3rd Qu.: 441.9   3rd Qu.:25.000   3rd Qu.: 455.9   3rd Qu.:700.0  
##  Max.   :2499.6   Max.   :35.000   Max.   :2499.6   Max.   :900.0  
##                                                                    
##  TotalNetPayments  TotalNetPurchaseAndCash TotalFeesBilled   
##  Min.   :-817.77   Min.   :-2007.74        Min.   :-359.350  
##  1st Qu.:   0.00   1st Qu.:    0.00        1st Qu.:   5.902  
##  Median :  30.00   Median :    0.00        Median :  15.050  
##  Mean   :  60.25   Mean   :   59.46        Mean   :  22.306  
##  3rd Qu.:  68.97   3rd Qu.:   63.88        3rd Qu.:  38.550  
##  Max.   :2770.07   Max.   : 2488.63        Max.   : 190.520  
##                                                              
##   Concessions        QuarterlyCreditScore     Bscore          City          
##  Min.   :-607.8700   Min.   :  0.0        Min.   : 11.0   Length:92630      
##  1st Qu.:   0.0000   1st Qu.:513.0        1st Qu.:556.0   Class :character  
##  Median :   0.0000   Median :576.0        Median :624.0   Mode  :character  
##  Mean   :  -0.7421   Mean   :521.2        Mean   :532.5                     
##  3rd Qu.:   0.0000   3rd Qu.:626.0        3rd Qu.:651.0                     
##  Max.   : 414.3100   Max.   :798.0        Max.   :717.0                     
##                                                                             
##     State              ZipCode     
##  Length:92630       Min.   :  605  
##  Class :character   1st Qu.:29102  
##  Mode  :character   Median :46224  
##                     Mean   :51290  
##                     3rd Qu.:77703  
##                     Max.   :99775  
## 
#Checking for blank records in date variables

sum(is.na(mydata$OpenDate))
## [1] 0
sum(is.na(mydata$StatementDt))
## [1] 0
sum(is.na(mydata$DatePrevStmt))
## [1] 7060
#Investigating the "blank" rows in DatePrevStmt variable
blankPrevStmt = mydata[which(is.na(mydata$DatePrevStmt)),]
data.frame(blankPrevStmt$DatePrevStmt, blankPrevStmt$OpenDate)
uniqueData <- data.frame(mydata %>% group_by(ID) %>% filter(StatementDt == max(StatementDt)) %>%   distinct(ID, .keep_all = TRUE))
length(uniqueData$ID)
## [1] 7038
str(uniqueData)
## 'data.frame':    7038 obs. of  24 variables:
##  $ ID                     : int  24508841 24510852 24515433 24520866 24521076 24521113 24521446 24525936 24527100 24530739 ...
##  $ OpenDate               : Date, format: "2013-04-02" "2013-04-01" ...
##  $ DatePrevStmt           : Date, format: "2014-08-08" "2014-08-08" ...
##  $ StatementDt            : Date, format: "2014-09-08" "2014-09-08" ...
##  $ MOB                    : int  17 17 7 7 17 17 12 3 3 12 ...
##  $ ExtStatus              : chr  " " " " "Z" "Z" ...
##  $ IntStatus              : chr  " " "X" "X" "D" ...
##  $ DaysDeliq              : int  0 30 240 240 90 0 240 121 121 240 ...
##  $ ActualMinPay           : num  30 60 270 270 130 30 287 150 150 287 ...
##  $ OverlimitAmount        : num  0 49.1 128.1 0 217.3 ...
##  $ DisplayMinPay          : num  30 109 398 0 347 ...
##  $ OpeningBalance         : num  282 283 428 278 462 ...
##  $ BillLateCharge         : num  0 0 0 0 35 0 0 0 0 0 ...
##  $ EndingBalance          : num  267 349 428 0 517 ...
##  $ CreditLimit            : int  300 300 300 300 300 300 300 300 300 300 ...
##  $ TotalNetPayments       : num  30 -20 0 0 0 6.25 0 0 0 0 ...
##  $ TotalNetPurchaseAndCash: num  0 0 0 0 0 ...
##  $ TotalFeesBilled        : num  14.6 45.9 0 0 55.1 ...
##  $ Concessions            : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ QuarterlyCreditScore   : int  471 467 488 565 510 639 453 666 501 441 ...
##  $ Bscore                 : int  655 578 245 260 271 638 264 234 234 263 ...
##  $ City                   : chr  "LOS ANGELES                 " "PHILADELPHIA                " "WINDERMERE                  " "WORCESTER                   " ...
##  $ State                  : chr  "CA" "PA" "FL" "MA" ...
##  $ ZipCode                : int  90062 19124 34786 1605 40031 22407 27863 7050 43607 33012 ...
#checking to confirm that there are no duplicate IDs
sum(duplicated(uniqueData$ID))
## [1] 0
#Calculating lifetime purchases and lifetime payments

LifetimePurchasesTotal = aggregate(TotalNetPurchaseAndCash ~ ID, mydata, sum)
LifetimePurchasesMin = aggregate(TotalNetPurchaseAndCash ~ ID, mydata, min)
LifetimePurchasesMin = LifetimePurchasesMin[,-1]
LifetimePurchasesMax = aggregate(TotalNetPurchaseAndCash ~ ID, mydata, max)
LifetimePurchasesMax =LifetimePurchasesMax[,-1]
LifetimePurchasesMean = aggregate(TotalNetPurchaseAndCash ~ ID, mydata, mean)
LifetimePurchasesMean = LifetimePurchasesMean[,-1]

LifetimePaymentsTotal = aggregate(TotalNetPayments ~ ID, mydata, sum)
LifetimePaymentsTotal = LifetimePaymentsTotal[,-1]
LifetimePaymentsMin = aggregate(TotalNetPayments ~ ID, mydata, min)
LifetimePaymentsMin = LifetimePaymentsMin[,-1]
LifetimePaymentsMax = aggregate(TotalNetPayments ~ ID, mydata, max)
LifetimePaymentsMax = LifetimePaymentsMax[,-1]
LifetimePaymentsMean = aggregate(TotalNetPayments ~ ID, mydata, mean)
LifetimePaymentsMean =LifetimePaymentsMean[,-1]

LifetimeActivity = data.frame(LifetimePurchasesTotal, LifetimePurchasesMin, LifetimePurchasesMax, LifetimePurchasesMean, LifetimePaymentsTotal, LifetimePaymentsMin, LifetimePaymentsMax, LifetimePaymentsMean)

LifetimeActivity$PossibleGainLoss = LifetimeActivity$LifetimePurchasesMean - LifetimeActivity$LifetimePaymentsMean

str(uniqueData)
## 'data.frame':    7038 obs. of  24 variables:
##  $ ID                     : int  24508841 24510852 24515433 24520866 24521076 24521113 24521446 24525936 24527100 24530739 ...
##  $ OpenDate               : Date, format: "2013-04-02" "2013-04-01" ...
##  $ DatePrevStmt           : Date, format: "2014-08-08" "2014-08-08" ...
##  $ StatementDt            : Date, format: "2014-09-08" "2014-09-08" ...
##  $ MOB                    : int  17 17 7 7 17 17 12 3 3 12 ...
##  $ ExtStatus              : chr  " " " " "Z" "Z" ...
##  $ IntStatus              : chr  " " "X" "X" "D" ...
##  $ DaysDeliq              : int  0 30 240 240 90 0 240 121 121 240 ...
##  $ ActualMinPay           : num  30 60 270 270 130 30 287 150 150 287 ...
##  $ OverlimitAmount        : num  0 49.1 128.1 0 217.3 ...
##  $ DisplayMinPay          : num  30 109 398 0 347 ...
##  $ OpeningBalance         : num  282 283 428 278 462 ...
##  $ BillLateCharge         : num  0 0 0 0 35 0 0 0 0 0 ...
##  $ EndingBalance          : num  267 349 428 0 517 ...
##  $ CreditLimit            : int  300 300 300 300 300 300 300 300 300 300 ...
##  $ TotalNetPayments       : num  30 -20 0 0 0 6.25 0 0 0 0 ...
##  $ TotalNetPurchaseAndCash: num  0 0 0 0 0 ...
##  $ TotalFeesBilled        : num  14.6 45.9 0 0 55.1 ...
##  $ Concessions            : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ QuarterlyCreditScore   : int  471 467 488 565 510 639 453 666 501 441 ...
##  $ Bscore                 : int  655 578 245 260 271 638 264 234 234 263 ...
##  $ City                   : chr  "LOS ANGELES                 " "PHILADELPHIA                " "WINDERMERE                  " "WORCESTER                   " ...
##  $ State                  : chr  "CA" "PA" "FL" "MA" ...
##  $ ZipCode                : int  90062 19124 34786 1605 40031 22407 27863 7050 43607 33012 ...
str(LifetimeActivity)
## 'data.frame':    7038 obs. of  10 variables:
##  $ ID                     : int  24508841 24510852 24515433 24520866 24521076 24521113 24521446 24525936 24527100 24530739 ...
##  $ TotalNetPurchaseAndCash: num  368.3 924.8 230.9 101 84.3 ...
##  $ LifetimePurchasesMin   : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LifetimePurchasesMax   : num  130 199 186 101 60 ...
##  $ LifetimePurchasesMean  : num  20.46 51.38 28.86 11.22 4.68 ...
##  $ LifetimePaymentsTotal  : num  561 1225 250 0 512 ...
##  $ LifetimePaymentsMin    : num  0 -20 0 0 0 0 0 0 0 0 ...
##  $ LifetimePaymentsMax    : num  77 200 250 0 100 ...
##  $ LifetimePaymentsMean   : num  31.2 68.1 31.2 0 28.4 ...
##  $ PossibleGainLoss       : num  -10.71 -16.68 -2.39 11.22 -23.76 ...
#Combining newdata and lifetime activity data
newData = data.frame(cbind(uniqueData, LifetimeActivity[-1]))
str(newData)
## 'data.frame':    7038 obs. of  33 variables:
##  $ ID                       : int  24508841 24510852 24515433 24520866 24521076 24521113 24521446 24525936 24527100 24530739 ...
##  $ OpenDate                 : Date, format: "2013-04-02" "2013-04-01" ...
##  $ DatePrevStmt             : Date, format: "2014-08-08" "2014-08-08" ...
##  $ StatementDt              : Date, format: "2014-09-08" "2014-09-08" ...
##  $ MOB                      : int  17 17 7 7 17 17 12 3 3 12 ...
##  $ ExtStatus                : chr  " " " " "Z" "Z" ...
##  $ IntStatus                : chr  " " "X" "X" "D" ...
##  $ DaysDeliq                : int  0 30 240 240 90 0 240 121 121 240 ...
##  $ ActualMinPay             : num  30 60 270 270 130 30 287 150 150 287 ...
##  $ OverlimitAmount          : num  0 49.1 128.1 0 217.3 ...
##  $ DisplayMinPay            : num  30 109 398 0 347 ...
##  $ OpeningBalance           : num  282 283 428 278 462 ...
##  $ BillLateCharge           : num  0 0 0 0 35 0 0 0 0 0 ...
##  $ EndingBalance            : num  267 349 428 0 517 ...
##  $ CreditLimit              : int  300 300 300 300 300 300 300 300 300 300 ...
##  $ TotalNetPayments         : num  30 -20 0 0 0 6.25 0 0 0 0 ...
##  $ TotalNetPurchaseAndCash  : num  0 0 0 0 0 ...
##  $ TotalFeesBilled          : num  14.6 45.9 0 0 55.1 ...
##  $ Concessions              : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ QuarterlyCreditScore     : int  471 467 488 565 510 639 453 666 501 441 ...
##  $ Bscore                   : int  655 578 245 260 271 638 264 234 234 263 ...
##  $ City                     : chr  "LOS ANGELES                 " "PHILADELPHIA                " "WINDERMERE                  " "WORCESTER                   " ...
##  $ State                    : chr  "CA" "PA" "FL" "MA" ...
##  $ ZipCode                  : int  90062 19124 34786 1605 40031 22407 27863 7050 43607 33012 ...
##  $ TotalNetPurchaseAndCash.1: num  368.3 924.8 230.9 101 84.3 ...
##  $ LifetimePurchasesMin     : num  0 0 0 0 0 0 0 0 0 0 ...
##  $ LifetimePurchasesMax     : num  130 199 186 101 60 ...
##  $ LifetimePurchasesMean    : num  20.46 51.38 28.86 11.22 4.68 ...
##  $ LifetimePaymentsTotal    : num  561 1225 250 0 512 ...
##  $ LifetimePaymentsMin      : num  0 -20 0 0 0 0 0 0 0 0 ...
##  $ LifetimePaymentsMax      : num  77 200 250 0 100 ...
##  $ LifetimePaymentsMean     : num  31.2 68.1 31.2 0 28.4 ...
##  $ PossibleGainLoss         : num  -10.71 -16.68 -2.39 11.22 -23.76 ...
#Filter the data where MOB > 3

newData = uniqueData[which(uniqueData$MOB > 3),]
nrow(newData)
## [1] 6038
#Obtaining summary statistics of the data
summary(newData)
##        ID              OpenDate           DatePrevStmt       
##  Min.   :24508841   Min.   :2013-04-01   Min.   :2013-05-09  
##  1st Qu.:24796902   1st Qu.:2013-04-07   1st Qu.:2014-03-31  
##  Median :24816652   Median :2013-04-12   Median :2014-08-08  
##  Mean   :24806362   Mean   :2013-04-12   Mean   :2014-05-15  
##  3rd Qu.:24836453   3rd Qu.:2013-04-17   3rd Qu.:2014-08-15  
##  Max.   :24856424   Max.   :2013-04-30   Max.   :2014-09-28  
##                                          NA's   :1           
##   StatementDt              MOB         ExtStatus          IntStatus        
##  Min.   :2013-08-06   Min.   : 4.00   Length:6038        Length:6038       
##  1st Qu.:2014-04-30   1st Qu.:12.00   Class :character   Class :character  
##  Median :2014-09-08   Median :17.00   Mode  :character   Mode  :character  
##  Mean   :2014-06-11   Mean   :13.69                                        
##  3rd Qu.:2014-09-15   3rd Qu.:17.00                                        
##  Max.   :2014-09-30   Max.   :17.00                                        
##                                                                            
##    DaysDeliq       ActualMinPay    OverlimitAmount   DisplayMinPay    
##  Min.   :  0.00   Min.   :   0.0   Min.   :   0.00   Min.   :   0.00  
##  1st Qu.:  0.00   1st Qu.:  30.0   1st Qu.:   0.00   1st Qu.:  25.00  
##  Median : 30.00   Median :  60.0   Median :   0.00   Median :  42.12  
##  Mean   : 90.61   Mean   : 147.4   Mean   :  62.11   Mean   : 170.91  
##  3rd Qu.:151.00   3rd Qu.: 236.0   3rd Qu.: 124.90   3rd Qu.: 341.01  
##  Max.   :390.00   Max.   :1237.0   Max.   :1100.77   Max.   :1681.36  
##                                                                       
##  OpeningBalance   BillLateCharge   EndingBalance      CreditLimit   
##  Min.   :-326.9   Min.   : 0.000   Min.   :-224.06   Min.   :  0.0  
##  1st Qu.: 287.1   1st Qu.: 0.000   1st Qu.:  28.68   1st Qu.:300.0  
##  Median : 429.3   Median : 0.000   Median : 345.25   Median :300.0  
##  Mean   : 443.7   Mean   : 4.083   Mean   : 352.48   Mean   :423.3  
##  3rd Qu.: 564.4   3rd Qu.: 0.000   3rd Qu.: 505.83   3rd Qu.:700.0  
##  Max.   :1681.4   Max.   :35.000   Max.   :1681.36   Max.   :900.0  
##                                                                     
##  TotalNetPayments  TotalNetPurchaseAndCash TotalFeesBilled    Concessions      
##  Min.   :-455.87   Min.   :-256.7500       Min.   :-294.14   Min.   :-607.870  
##  1st Qu.:   0.00   1st Qu.:   0.0000       1st Qu.:   0.00   1st Qu.:   0.000  
##  Median :   0.00   Median :   0.0000       Median :   6.25   Median :   0.000  
##  Mean   :  47.02   Mean   :  23.4614       Mean   :  14.50   Mean   :  -2.283  
##  3rd Qu.:  50.00   3rd Qu.:   0.9725       3rd Qu.:  22.97   3rd Qu.:   0.000  
##  Max.   :1450.00   Max.   :1675.5700       Max.   : 129.28   Max.   : 326.900  
##                                                                                
##  QuarterlyCreditScore     Bscore          City              State          
##  Min.   :  0.0        Min.   : 13.0   Length:6038        Length:6038       
##  1st Qu.:479.0        1st Qu.:246.0   Class :character   Class :character  
##  Median :538.0        Median :596.0   Mode  :character   Mode  :character  
##  Mean   :490.5        Mean   :465.8                                        
##  3rd Qu.:612.0        3rd Qu.:653.0                                        
##  Max.   :797.0        Max.   :711.0                                        
##                                                                            
##     ZipCode     
##  Min.   :  612  
##  1st Qu.:29073  
##  Median :46138  
##  Mean   :51106  
##  3rd Qu.:77520  
##  Max.   :99775  
## 
#Obtaining summary table of variables of character data type   

table(newData$ExtStatus)
## 
##         C    E    F    I    U    Z 
## 2923  372   14  185   30    1 2513
table(newData$IntStatus)
## 
##         D    N    O    X 
## 2295  179   33  417 3114
table(newData$City)
## 
## ABBEVILLE                    ABERDEEN                     
##                            1                            3 
## ABILENE                      ABSECON                      
##                            1                            2 
## ACTON                        ACUSHNET                     
##                            1                            1 
## ACWORTH                      ADDISON                      
##                            1                            1 
## AGOURA HILLS                 AIKEN                        
##                            1                            1 
## AKRON                        ALABASTER                    
##                           12                            1 
## ALACHUA                      ALAMEDA                      
##                            2                            2 
## ALAMO                        ALBANY                       
##                            2                            6 
## ALBEMARLE                    ALBERTVILLE                  
##                            3                            2 
## ALBRIGHTSVILLE               ALBUQUERQUE                  
##                            1                           13 
## ALDEN                        ALEXANDER                    
##                            1                            1 
## ALEXANDRIA                   ALGONAC                      
##                            8                            1 
## ALISO VIEJO                  ALLEGAN                      
##                            3                            2 
## ALLEN PARK                   ALLENTON                     
##                            1                            1 
## ALLENTOWN                    ALLIANCE                     
##                            6                            1 
## ALLISON PARK                 ALPHARETTA                   
##                            1                            2 
## ALTAMONTE SPRINGS            ALTMAR                       
##                            1                            1 
## ALTOONA                      AMADO                        
##                            3                            1 
## AMARILLO                     AMERY                        
##                            2                            1 
## AMES                         AMESBURY                     
##                            1                            1 
## AMITY                        AMORY                        
##                            1                            1 
## ANAHEIM                      ANAHUAC                      
##                            8                            1 
## ANCHORAGE                    ANDERSON                     
##                            4                            6 
## ANDOVER                      ANETH                        
##                            1                            1 
## ANGOLA                       ANKENY                       
##                            2                            1 
## ANNA                         ANNAPOLIS                    
##                            1                            1 
## ANNISTON                     ANOKA                        
##                            1                            1 
## ANSLEY                       ANSONIA                      
##                            1                            1 
## ANTELOPE                     ANTHONY                      
##                            2                            1 
## ANTIOCH                      APACHE JUNCTION              
##                            5                            2 
## APEX                         APO                          
##                            1                            3 
## APOLLO BEACH                 APOPKA                       
##                            1                            2 
## ARCADIA                      ARDEN                        
##                            1                            2 
## ARDMORE                      ARECIBO                      
##                            1                            1 
## ARGYLE                       ARITON                       
##                            1                            1 
## ARLINGTON                    ARNAUDVILLE                  
##                           15                            1 
## ARNOLD                       ARVADA                       
##                            2                            6 
## ASBURY PARK                  ASH                          
##                            2                            1 
## ASHEBORO                     ASHEVILLE                    
##                            1                            1 
## ASHLAND                      ASHLAND CITY                 
##                            1                            1 
## ASHTABULA                    ASHVILLE                     
##                            1                            1 
## ASTON                        ASTORIA                      
##                            1                            2 
## ATCHISON                     ATHENS                       
##                            1                            5 
## ATLANTA                      ATLANTIC BEACH               
##                           30                            1 
## ATLANTIC CITY                ATMORE                       
##                            1                            2 
## ATOKA                        ATTALLA                      
##                            1                            1 
## ATTICA                       ATTLEBORO                    
##                            1                            2 
## ATWATER                      AUBREY                       
##                            1                            1 
## AUBURN                       AUBURN HILLS                 
##                            3                            1 
## AUBURNDALE                   AUGUSTA                      
##                            1                           10 
## AULT                         AURORA                       
##                            1                           10 
## AUSTELL                      AUSTIN                       
##                            2                           18 
## AVENAL                       AVOCA                        
##                            1                            1 
## AVON                         AVON PARK                    
##                            3                            1 
## AVONDALE                     AYDEN                        
##                            6                            2 
## AYNOR                        AZUSA                        
##                            1                            1 
## BABYLON                      BACLIFF                      
##                            1                            2 
## BAKER                        BAKERSFIELD                  
##                            1                           13 
## BALA CYNWYD                  BALDWIN                      
##                            1                            1 
## BALL GROUND                  BALLSTON SPA                 
##                            1                            1 
## BALTIMORE                    BARBERTON                    
##                           20                            1 
## BARNEGAT                     BARNWELL                     
##                            3                            2 
## BARRACKVILLE                 BARRANQUITAS                 
##                            1                            1 
## BARSTOW                      BARTLETT                     
##                            2                            1 
## BATESVILLE                   BATH                         
##                            1                            1 
## BATON ROUGE                  BATTLE CREEK                 
##                           11                            2 
## BATTLEBORO                   BAUXITE                      
##                            1                            1 
## BAY SAINT LOUIS              BAYAMON                      
##                            1                            1 
## BAYONNE                      BAYSIDE                      
##                            3                            1 
## BAYTOWN                      BEACHWOOD                    
##                            5                            1 
## BEAR                         BEASLEY                      
##                            2                            1 
## BEASON                       BEATRICE                     
##                            1                            1 
## BEAUFORT                     BEAUMONT                     
##                            1                            4 
## BEAVERTON                    BECKLEY                      
##                            1                            1 
## BEDFORD                      BEECH ISLAND                 
##                            3                            1 
## BEEVILLE                     BELEN                        
##                            1                            1 
## BELFAST                      BELLEVILLE                   
##                            1                            5 
## BELLEVUE                     BELLFLOWER                   
##                            4                            4 
## BELLINGHAM                   BELLMORE                     
##                            1                            1 
## BELLWOOD                     BELTSVILLE                   
##                            2                            2 
## BELVIDERE                    BEMIDJI                      
##                            1                            1 
## BEND                         BENSALEM                     
##                            2                            1 
## BENSENVILLE                  BENSON                       
##                            3                            1 
## BENTLEYVILLE                 BENTON HARBOR                
##                            1                            1 
## BENTONVILLE                  BERLIN                       
##                            1                            1 
## BERWICK                      BERWYN                       
##                            2                            3 
## BESSEMER                     BETHANY                      
##                            1                            2 
## BETHESDA                     BETHLEHEM                    
##                            1                            1 
## BETHPAGE                     BEVERLY HILLS                
##                            1                            1 
## BIG SPRING                   BIG SUR                      
##                            3                            1 
## BILLERICA                    BILLINGS                     
##                            1                            3 
## BILOXI                       BIRCH RUN                    
##                            2                            1 
## BIRMINGHAM                   BIXBY                        
##                           20                            2 
## BLACK MOUNTAIN               BLACK RIVER FALLS            
##                            1                            1 
## BLACKFOOT                    BLACKLICK                    
##                            3                            3 
## BLACKSBURG                   BLACKWOOD                    
##                            1                            1 
## BLAKESLEE                    BLANCHESTER                  
##                            1                            1 
## BLEVINS                      BLOOMFIELD                   
##                            1                            3 
## BLOOMINGDALE                 BLOOMINGTON                  
##                            2                            3 
## BLOOMVILLE                   BLOUNTVILLE                  
##                            1                            1 
## BLUE ISLAND                  BLUE RIDGE                   
##                            1                            1 
## BLUE SPRINGS                 BLUEFIELD                    
##                            1                            3 
## BLUFFTON                     BLYTHEVILLE                  
##                            1                            2 
## BOCA RATON                   BOERNE                       
##                            8                            2 
## BOGART                       BOGOTA                       
##                            1                            1 
## BOILING SPRINGS              BOISE                        
##                            1                            4 
## BOLINGBROOK                  BOLTON                       
##                            4                            1 
## BONAIRE                      BONANZA                      
##                            3                            1 
## BONDURANT                    BONNER SPRINGS               
##                            1                            1 
## BOONE                        BOONTON                      
##                            1                            1 
## BOSSIER CITY                 BOSTON                       
##                            3                            9 
## BOSWELL                      BOTHELL                      
##                            1                            1 
## BOULDER                      BOULDER CREEK                
##                            1                            1 
## BOUNTIFUL                    BOWIE                        
##                            1                            2 
## BOWLING GREEN                BOYNTON BEACH                
##                            7                            4 
## BRADDOCK                     BRADENTON                    
##                            1                            5 
## BRADFORD                     BRANDON                      
##                            2                            2 
## BRANFORD                     BRANSON                      
##                            2                            1 
## BRAWLEY                      BRAXTON                      
##                            2                            1 
## BRAZIL                       BREA                         
##                            1                            1 
## BREAUX BRIDGE                BREMERTON                    
##                            1                            1 
## BRENTWOOD                    BREWER                       
##                            2                            1 
## BREWSTER                     BREWTON                      
##                            2                            1 
## BRIDGEPORT                   BRIDGETON                    
##                           10                            3 
## BRIDGEWATER                  BRIGHTON                     
##                            2                            4 
## BRISTOL                      BRISTOLVILLE                 
##                            3                            1 
## BROCKTON                     BROKEN ARROW                 
##                            2                            2 
## BRONX                        BROOK PARK                   
##                           28                            1 
## BROOKFIELD                   BROOKLYN                     
##                            1                           32 
## BROOKPORT                    BROOMFIELD                   
##                            1                            2 
## BROUSSARD                    BROWNS MILLS                 
##                            1                            2 
## BROWNS SUMMIT                BROWNSBURG                   
##                            1                            2 
## BROWNSVILLE                  BROWNWOOD                    
##                            4                            1 
## BRUNSWICK                    BRYAN                        
##                            1                            3 
## BRYANT                       BUCHANAN                     
##                            1                            1 
## BUCKEYE                      BUCKHANNON                   
##                            2                            1 
## BUCYRUS                      BUENA PARK                   
##                            1                            3 
## BUENA VISTA                  BUFFALO                      
##                            1                            5 
## BUFORD                       BURBANK                      
##                            1                            2 
## BURGETTSTOWN                 BURLESON                     
##                            1                            4 
## BURLEY                       BURLINGAME                   
##                            1                            1 
## BURLINGTON                   BURNSVILLE                   
##                            3                            3 
## BURTONSVILLE                 BUSHKILL                     
##                            1                            2 
## BUTLER                       BUTTE                        
##                            1                            2 
## BYFIELD                      BYHALIA                      
##                            1                            1 
## BYNUM                        BYRAM                        
##                            1                            2 
## CABOT                        CAGUAS                       
##                            1                            2 
## CALDWELL                     CALIFORNIA                   
##                            1                            1 
## CALIFORNIA CITY              CALIMESA                     
##                            1                            1 
## CALL                         CALLAHAN                     
##                            1                            1 
## CALUMET CITY                 CAMANCHE                     
##                            3                            1 
## CAMBRIDGE                    CAMBY                        
##                            1                            1 
## CAMDEN                       CAMERON                      
##                            3                            1 
## CAMP HILL                    CAMPBELL HALL                
##                            1                            1 
## CAMPBELLSBURG                CANAL WINCHESTER             
##                            1                            2 
## CANEYVILLE                   CANON CITY                   
##                            2                            1 
## CANTERBURY                   CANTON                       
##                            1                           14 
## CANTONMENT                   CANYON COUNTRY               
##                            1                            5 
## CANYON LAKE                  CAPE CORAL                   
##                            1                            7 
## CAPE MAY                     CAPITOL HEIGHTS              
##                            1                            3 
## CARIBOU                      CARLIN                       
##                            1                            1 
## CARLISLE                     CARLSBAD                     
##                            1                            4 
## CARMEL                       CAROLINA                     
##                            1                            3 
## CARPINTERIA                  CARRBORO                     
##                            1                            1 
## CARRIZO SPRINGS              CARROLLTON                   
##                            1                            6 
## CARSON                       CARTERET                     
##                            1                            1 
## CARTERSVILLE                 CARTHAGE                     
##                            1                            4 
## CARY                         CARYVILLE                    
##                            4                            1 
## CASA GRANDE                  CASPER                       
##                            5                            1 
## CASSVILLE                    CASTLE HAYNE                 
##                            1                            1 
## CATAWBA                      CATHEDRAL CITY               
##                            1                            2 
## CAVE JUNCTION                CEDAR CREEK                  
##                            1                            1 
## CEDAR GLEN                   CEDAR HILL                   
##                            1                            1 
## CEDAR PARK                   CEDAR RAPIDS                 
##                            2                            4 
## CENTERVILLE                  CENTRAL ISLIP                
##                            1                            1 
## CENTRAL POINT                CENTRALIA                    
##                            1                            2 
## CENTURY                      CERES                        
##                            1                            2 
## CHAMBERSBURG                 CHAMPAIGN                    
##                            1                            1 
## CHANDLER                     CHAPARRAL                    
##                            5                            1 
## CHAPMAN                      CHARLES CITY                 
##                            1                            1 
## CHARLESTON                   CHARLESTOWN                  
##                            8                            2 
## CHARLOTTE                    CHASKA                       
##                           28                            1 
## CHATSWORTH                   CHATTANOOGA                  
##                            1                            3 
## CHELSEA                      CHENEY                       
##                            2                            1 
## CHERRY HILL                  CHESAPEAKE                   
##                            3                            5 
## CHESHIRE                     CHESTER                      
##                            2                            2 
## CHESTERFIELD                 CHICAGO                      
##                            1                           66 
## CHICAGO HEIGHTS              CHICAGO RIDGE                
##                            5                            1 
## CHICO                        CHICOPEE                     
##                            1                            4 
## CHRISTIANSBURG               CHUGIAK                      
##                            1                            1 
## CHULA VISTA                  CHURCH HILL                  
##                            5                            2 
## CICERO                       CINCINNATI                   
##                            3                           23 
## CITRUS HEIGHTS               CLANTON                      
##                            3                            1 
## CLARENCE CENTER              CLARENDON HILLS              
##                            1                            1 
## CLARINDA                     CLARK                        
##                            1                            2 
## CLARKSBURG                   CLARKSTON                    
##                            2                            1 
## CLARKSVILLE                  CLAYTON                      
##                            4                            5 
## CLE ELUM                     CLEAR SPRING                 
##                            1                            1 
## CLEARWATER                   CLEARWATER BEACH             
##                            1                            1 
## CLEMENTON                    CLEMENTS                     
##                            2                            1 
## CLERMONT                     CLEVELAND                    
##                            1                           29 
## CLEVER                       CLEVES                       
##                            1                            1 
## CLIFTON                      CLIFTON FORGE                
##                            4                            1 
## CLINTON                      CLINTON TOWNSHIP             
##                           10                            3 
## CLIO                         CLOVIS                       
##                            1                            1 
## CLYDE                        CLYMER                       
##                            1                            1 
## CLYO                         COACHELLA                    
##                            1                            1 
## COAL TOWNSHIP                COARSEGOLD                   
##                            1                            1 
## COATESVILLE                  COATS                        
##                            4                            1 
## COCOA                        COLCHESTER                   
##                            1                            1 
## COLDWATER                    COLFAX                       
##                            1                            1 
## COLLEGE STATION              COLLINSVILLE                 
##                            1                            2 
## COLORADO SPRINGS             COLUMBIA                     
##                            9                           16 
## COLUMBIANA                   COLUMBUS                     
##                            1                           45 
## COMMERCE                     COMMERCE CITY                
##                            1                            1 
## COMPTON                      COMSTOCK PARK                
##                            4                            2 
## CONCORD                      CONLEY                       
##                            4                            2 
## CONOVER                      CONROE                       
##                            1                            3 
## CONWAY                       CONYERS                      
##                            3                            3 
## COOKEVILLE                   COOPERSBURG                  
##                            1                            1 
## COOS BAY                     COPPELL                      
##                            1                            1 
## COPPERAS COVE                CORALVILLE                   
##                            2                            1 
## CORAOPOLIS                   CORBIN                       
##                            1                            1 
## CORDOVA                      CORINTH                      
##                            4                            2 
## CORNELIA                     CORNELIUS                    
##                            1                            1 
## CORONA                       CORONA DEL MAR               
##                            6                            1 
## CORPUS CHRISTI               CORSICANA                    
##                            4                            2 
## CORTEZ                       CORTLAND                     
##                            1                            2 
## COS COB                      COSTA MESA                   
##                            1                            1 
## COTTONDALE                   COTTONTOWN                   
##                            2                            1 
## COUNCIL BLUFFS               COUNTRY CLUB HILLS           
##                            2                            1 
## COURTLAND                    COVELO                       
##                            1                            1 
## COVINA                       COVINGTON                    
##                            1                            8 
## CRAIGSVILLE                  CRANDALL                     
##                            1                            1 
## CRANSTON                     CRAWFORDVILLE                
##                            3                            2 
## CREAM RIDGE                  CRESSON                      
##                            1                            1 
## CRESTON                      CRISFIELD                    
##                            1                            1 
## CROFTON                      CROMWELL                     
##                            1                            1 
## CROSS PLAINS                 CROSSVILLE                   
##                            2                            1 
## CROWLEY                      CROWN POINT                  
##                            3                            1 
## CRYSTAL                      CRYSTAL LAKE                 
##                            1                            2 
## CRYSTAL SPRINGS              CULLMAN                      
##                            2                            3 
## CULPEPER                     CUMBERLAND                   
##                            1                            1 
## CUMMING                      CURRIE                       
##                            1                            1 
## CURTICE                      CUYAHOGA FALLS               
##                            1                            2 
## CYNTHIANA                    CYPRESS                      
##                            1                            3 
## D HANIS                      DACULA                       
##                            1                            3 
## DALHART                      DALLAS                       
##                            1                           25 
## DALTON                       DALY CITY                    
##                            1                            1 
## DANA                         DANA POINT                   
##                            1                            2 
## DANBURY                      DANSVILLE                    
##                            1                            1 
## DANVILLE                     DAPHNE                       
##                            5                            2 
## DARLINGTON                   DAVENPORT                    
##                            2                            2 
## DAVIS                        DAWSON                       
##                            1                            1 
## DAWSONVILLE                  DAYTON                       
##                            2                            4 
## DAYTONA BEACH                DE KALB                      
##                            2                            2 
## DE SOTO                      DEARBORN                     
##                            1                            4 
## DEARBORN HEIGHTS             DEBARY                       
##                            1                            1 
## DECATUR                      DEDHAM                       
##                           11                            1 
## DEER TRAIL                   DEERFIELD BEACH              
##                            1                            1 
## DEKALB                       DELAND                       
##                            1                            1 
## DELAWARE                     DELMAR                       
##                            2                            2 
## DELRAY BEACH                 DELTONA                      
##                            3                            2 
## DEMOTTE                      DENHAM SPRINGS               
##                            1                            3 
## DENISON                      DENTON                       
##                            2                            3 
## DENVER                       DEPEW                        
##                           22                            2 
## DERBY                        DERRY                        
##                            1                            1 
## DERWOOD                      DES MOINES                   
##                            1                            7 
## DES PLAINES                  DESERT HOT SPRINGS           
##                            1                            3 
## DESOTO                       DESTIN                       
##                            3                            1 
## DETROIT                      DEXTER                       
##                           27                            1 
## DIAMOND BAR                  DILLON                       
##                            1                            1 
## DILLWYN                      DISCOVERY BAY                
##                            1                            2 
## DISTRICT HEIGHTS             DITTMER                      
##                            3                            1 
## DIXON                        DOBSON                       
##                            3                            1 
## DOCENA                       DODSON                       
##                            1                            1 
## DOLTON                       DONALDSONVILLE               
##                            3                            1 
## DORADO                       DOS PALOS                    
##                            1                            1 
## DOTHAN                       DOUGLAS                      
##                            2                            1 
## DOUGLASS                     DOUGLASVILLE                 
##                            1                            3 
## DOVER                        DOWAGIAC                     
##                            6                            1 
## DOWELLTOWN                   DOWNERS GROVE                
##                            1                            3 
## DOWNEY                       DOYLESTOWN                   
##                            1                            3 
## DRACUT                       DRAPER                       
##                            1                            1 
## DREXEL HILL                  DRIPPING SPRINGS             
##                            1                            1 
## DRY RIDGE                    DU BOIS                      
##                            1                            1 
## DUARTE                       DUBLIN                       
##                            1                            5 
## DULUTH                       DUMFRIES                     
##                            4                            1 
## DUMONT                       DUNCANNON                    
##                            1                            1 
## DUNCANSVILLE                 DUNDEE                       
##                            1                            1 
## DUNN                         DUNNELLON                    
##                            1                            1 
## DURANGO                      DURHAM                       
##                            1                            6 
## DUSON                        DYERSBURG                    
##                            1                            1 
## EAGLE NEST                   EAGLE POINT                  
##                            1                            2 
## EAGLE RIVER                  EAGLE ROCK                   
##                            1                            1 
## EASLEY                       EAST BRADY                   
##                            1                            1 
## EAST BRUNSWICK               EAST DUBLIN                  
##                            1                            1 
## EAST EARL                    EAST HAMPTON                 
##                            1                            1 
## EAST HANOVER                 EAST HARTFORD                
##                            1                            2 
## EAST LANSING                 EAST ORANGE                  
##                            1                            4 
## EAST PETERSBURG              EAST PITTSBURGH              
##                            1                            1 
## EAST PRAIRIE                 EAST PROVIDENCE              
##                            1                            2 
## EAST SPENCER                 EAST STROUDSBURG             
##                            1                            4 
## EAST TEMPLETON               EAST WAREHAM                 
##                            1                            1 
## EAST WEYMOUTH                EASTLAKE                     
##                            1                            2 
## EASTMAN                      EASTON                       
##                            2                            3 
## EASTPOINTE                   EATON RAPIDS                 
##                            2                            1 
## ECORSE                       EDEN                         
##                            1                            1 
## EDEN PRAIRIE                 EDGARD                       
##                            1                            1 
## EDGEMONT                     EDGEWATER                    
##                            1                            1 
## EDGEWOOD                     EDINBURG                     
##                            2                            1 
## EDISON                       EDMOND                       
##                            2                            2 
## EDWARD                       EDWARDS                      
##                            1                            1 
## EFFORT                       EIGHT MILE                   
##                            1                            1 
## EL CAJON                     EL CAMPO                     
##                            2                            1 
## EL CENTRO                    EL DORADO                    
##                            2                            1 
## EL MONTE                     EL PASO                      
##                            2                           15 
## EL SEGUNDO                   EL SOBRANTE                  
##                            1                            1 
## ELDRED                       ELGIN                        
##                            1                            5 
## ELIZABETH                    ELIZABETH CITY               
##                            3                            1 
## ELIZABETHTON                 ELIZABETHTOWN                
##                            1                            1 
## ELK GROVE                    ELK GROVE VILLAGE            
##                            4                            2 
## ELK POINT                    ELKRIDGE                     
##                            1                            2 
## ELKTON                       ELLABELL                     
##                            4                            1 
## ELLAVILLE                    ELLENTON                     
##                            1                            1 
## ELLENWOOD                    ELLINGTON                    
##                            4                            1 
## ELLOREE                      ELMER                        
##                            1                            1 
## ELMHURST                     ELMONT                       
##                            1                            1 
## ELSIE                        ELWOOD                       
##                            1                            1 
## ELYRIA                       EMMAUS                       
##                            5                            1 
## EMMITSBURG                   EMPIRE                       
##                            1                            1 
## ENCINO                       ENGLEWOOD                    
##                            1                            7 
## ENGLISHTOWN                  ENTERPRISE                   
##                            1                            1 
## EPHRATA                      EPPING                       
##                            1                            1 
## EPPS                         ERIE                         
##                            1                            3 
## ERWIN                        ESCONDIDO                    
##                            1                            2 
## ESSEX                        ESSEX JUNCTION               
##                            1                            2 
## ESTERO                       ESTILL                       
##                            1                            1 
## EUCLID                       EUGENE                       
##                            5                            2 
## EULESS                       EUREKA                       
##                            2                            1 
## EUREKA SPRINGS               EUSTIS                       
##                            1                            2 
## EVANS                        EVANSVILLE                   
##                            2                            3 
## EVERETT                      EWA BEACH                    
##                            5                            2 
## FAIRBANKS                    FAIRBORN                     
##                            1                            1 
## FAIRBURN                     FAIRFAX                      
##                            2                            2 
## FAIRFIELD                    FAIRLESS HILLS               
##                           11                            1 
## FAIRMONT                     FAIRVIEW                     
##                            1                            2 
## FAIRVIEW HEIGHTS             FALKVILLE                    
##                            1                            1 
## FALL RIVER                   FALLBROOK                    
##                            2                            1 
## FALLING WATERS               FALLS CHURCH                 
##                            1                            2 
## FALLS CITY                   FALMOUTH                     
##                            2                            1 
## FAR ROCKAWAY                 FARGO                        
##                            2                            1 
## FARIBAULT                    FARMERSVILLE                 
##                            5                            1 
## FARMINGDALE                  FARMINGTON                   
##                            1                            5 
## FARMINGVILLE                 FARRELL                      
##                            1                            1 
## FAYETTE                      FAYETTEVILLE                 
##                            2                           10 
## FEASTERVILLE TREVOSE         FEDERAL WAY                  
##                            1                            5 
## FELTON                       FENTON                       
##                            1                            4 
## FERNDALE                     FERNLEY                      
##                            1                            2 
## FINDLAY                      FINKSBURG                    
##                            2                            1 
## FINLEY                       FINLEYVILLE                  
##                            1                            1 
## FITZGERALD                   FITZWILLIAM                  
##                            1                            1 
## FLAGSTAFF                    FLAT ROCK                    
##                            1                            1 
## FLATGAP                      FLINT                        
##                            1                            3 
## FLORALA                      FLORENCE                     
##                            1                            2 
## FLORISSANT                   FLOWER MOUND                 
##                            7                            3 
## FLOWERY BRANCH               FLUSHING                     
##                            2                            3 
## FOND DU LAC                  FONTANA                      
##                            1                            5 
## FORD                         FOREST CITY                  
##                            1                            1 
## FOREST HILLS                 FORKLAND                     
##                            1                            1 
## FORT APACHE                  FORT ATKINSON                
##                            1                            1 
## FORT BRAGG                   FORT CAMPBELL                
##                            1                            2 
## FORT COLLINS                 FORT DEFIANCE                
##                            5                            1 
## FORT LAUDERDALE              FORT LEE                     
##                           19                            1 
## FORT LUPTON                  FORT MEADE                   
##                            1                            2 
## FORT MILL                    FORT MYERS                   
##                            1                            7 
## FORT PIERCE                  FORT PLAIN                   
##                            2                            1 
## FORT RILEY                   FORT SMITH                   
##                            1                            2 
## FORT WALTON BEACH            FORT WASHINGTON              
##                            1                            2 
## FORT WAYNE                   FORT WORTH                   
##                            5                           29 
## FOSTERS                      FOSTORIA                     
##                            1                            1 
## FOUNTAIN                     FOUNTAIN HILLS               
##                            1                            1 
## FOUNTAIN RUN                 FOWLER                       
##                            1                            1 
## FRAMINGHAM                   FRANKFORT                    
##                            2                            1 
## FRANKLIN                     FRANKLINTON                  
##                            3                            1 
## FRANKSVILLE                  FRAZEE                       
##                            1                            1 
## FRAZIER PARK                 FREDERICK                    
##                            1                            2 
## FREDERICKSBURG               FREDERICKTOWN                
##                            3                            1 
## FREDERIKSTED                 FREEHOLD                     
##                            1                            1 
## FREEPORT                     FREMONT                      
##                            4                            5 
## FRESNO                       FRIENDSVILLE                 
##                           18                            1 
## FRIENDSWOOD                  FRISCO                       
##                            1                            1 
## FRONT ROYAL                  FROST                        
##                            3                            1 
## FROSTBURG                    FRUITLAND PARK               
##                            1                            1 
## FT MITCHELL                  FULLERTON                    
##                            1                            1 
## GADSDEN                      GAFFNEY                      
##                            1                            1 
## GAINESVILLE                  GALAX                        
##                            7                            1 
## GALENA                       GALION                       
##                            1                            1 
## GALLATIN                     GALLIANO                     
##                            3                            1 
## GALVESTON                    GANSEVOORT                   
##                            1                            1 
## GARDEN CITY                  GARDEN GROVE                 
##                            1                            3 
## GARDNERVILLE                 GARFIELD                     
##                            1                            3 
## GARLAND                      GARNER                       
##                           11                            1 
## GARRETTSVILLE                GARRISON                     
##                            1                            1 
## GARY                         GASTON                       
##                            1                            1 
## GASTONIA                     GEISMAR                      
##                            4                            2 
## GENEVA                       GEORGETOWN                   
##                            2                            3 
## GERMANTOWN                   GIBBON                       
##                            5                            1 
## GIBBSTOWN                    GIBSON CITY                  
##                            1                            1 
## GIG HARBOR                   GILBERT                      
##                            1                            3 
## GILCHRIST                    GILLETTE                     
##                            1                            1 
## GILMANTON                    GILROY                       
##                            1                            2 
## GIRARD                       GLADEWATER                   
##                            2                            3 
## GLEN ALLEN                   GLEN BURNIE                  
##                            1                            4 
## GLENDALE                     GLENDIVE                     
##                            5                            1 
## GLENN DALE                   GLENPOOL                     
##                            1                            1 
## GLENWOOD                     GLOUCESTER                   
##                            3                            1 
## GLOUCESTER CITY              GLOVERSVILLE                 
##                            1                            1 
## GOLD BAR                     GOLDSBORO                    
##                            1                            3 
## GOLETA                       GOODVIEW                     
##                            2                            2 
## GOOSE CREEK                  GORDON                       
##                            2                            2 
## GORHAM                       GOSHEN                       
##                            1                            2 
## GRAFTON                      GRAHAM                       
##                            1                            3 
## GRAND BLANC                  GRAND ISLAND                 
##                            1                            4 
## GRAND JUNCTION               GRAND PRAIRIE                
##                            2                            5 
## GRAND RAPIDS                 GRANDVIEW                    
##                            7                            1 
## GRANITE CITY                 GRANTS PASS                  
##                            1                            2 
## GRAVOIS MILLS                GRAY                         
##                            1                            1 
## GRAYSON                      GREELEY                      
##                            1                            1 
## GREEN BAY                    GREEN COVE SPRINGS           
##                            1                            2 
## GREEN RIVER                  GREEN VALLEY                 
##                            1                            1 
## GREENACRES                   GREENBELT                    
##                            1                            1 
## GREENCASTLE                  GREENE                       
##                            2                            1 
## GREENEVILLE                  GREENFIELD                   
##                            1                            2 
## GREENSBORO                   GREENSBURG                   
##                            9                            2 
## GREENTOWN                    GREENVILLE                   
##                            1                           12 
## GREENWICH                    GREENWOOD                    
##                            1                            4 
## GREER                        GRETNA                       
##                            2                            1 
## GRIFFIN                      GRIFFITHSVILLE               
##                            1                            1 
## GRIMES                       GROTON                       
##                            1                            1 
## GROVE CITY                   GROVEPORT                    
##                            1                            1 
## GROVETOWN                    GULF BREEZE                  
##                            4                            1 
## GUNTOWN                      GURNEE                       
##                            1                            1 
## GUTHRIE                      GUY                          
##                            1                            1 
## GWYNN OAK                    HACKETTSTOWN                 
##                            5                            1 
## HADLEY                       HAGERSTOWN                   
##                            1                            3 
## HAINES CITY                  HALEDON                      
##                            1                            3 
## HALIFAX                      HALLANDALE                   
##                            1                            2 
## HALSTAD                      HAMBURG                      
##                            1                            1 
## HAMDEN                       HAMILTON                     
##                            2                            2 
## HAMMOND                      HAMMONTON                    
##                            4                            1 
## HAMPSTEAD                    HAMPTON                      
##                            1                            9 
## HANA                         HANAHAN                      
##                            1                            1 
## HANFORD                      HANSCOM AFB                  
##                            2                            2 
## HAPPY VALLEY                 HARKER HEIGHTS               
##                            1                            1 
## HARPERS FERRY                HARRINGTON                   
##                            1                            1 
## HARRISBURG                   HARRISON                     
##                            4                            2 
## HARTFORD                     HARTINGTON                   
##                            3                            1 
## HARTSELLE                    HARVARD                      
##                            1                            1 
## HARVEY                       HARWICH PORT                 
##                            7                            1 
## HASLET                       HASTINGS                     
##                            1                            3 
## HATBORO                      HAUGHTON                     
##                            1                            1 
## HAUPPAUGE                    HAVANA                       
##                            2                            1 
## HAVERHILL                    HAVERTOWN                    
##                            1                            1 
## HAWTHORNE                    HAYDEN                       
##                            5                            1 
## HAYNEVILLE                   HAYTI                        
##                            1                            1 
## HAYWARD                      HAZARD                       
##                            2                            1 
## HAZEL CREST                  HAZELWOOD                    
##                            2                            1 
## HAZLETON                     HEALDSBURG                   
##                            4                            1 
## HEATH                        HEBER CITY                   
##                            1                            1 
## HEBRON                       HELENA                       
##                            2                            1 
## HEMET                        HENDERSON                    
##                            3                           16 
## HENDERSONVILLE               HENRYETTA                    
##                            1                            1 
## HEPHZIBAH                    HEREFORD                     
##                            1                            1 
## HERKIMER                     HERMITAGE                    
##                            1                            2 
## HERNDON                      HERRIN                       
##                            1                            2 
## HESPERIA                     HIALEAH                      
##                            4                           14 
## HICKORY                      HIGH POINT                   
##                            2                            1 
## HIGHLAND                     HIGHLAND PARK                
##                            4                            3 
## HIGHLANDS                    HIGHTSTOWN                   
##                            1                            3 
## HIGHWOOD                     HILLIARD                     
##                            1                            2 
## HILLSBORO                    HILLSBOROUGH                 
##                            2                            1 
## HILLVIEW                     HILO                         
##                            1                            1 
## HILTON                       HILTON HEAD ISLAND           
##                            1                            1 
## HINTON                       HIRAM                        
##                            1                            3 
## HIXSON                       HOBBS                        
##                            1                            2 
## HOBE SOUND                   HOBOKEN                      
##                            1                            1 
## HOCKLEY                      HODGENVILLE                  
##                            2                            1 
## HOGANSVILLE                  HOLIDAY                      
##                            1                            1 
## HOLLISTER                    HOLLY                        
##                            1                            1 
## HOLLY POND                   HOLLY SPRINGS                
##                            1                            1 
## HOLLYWOOD                    HOLSTEIN                     
##                           12                            1 
## HOLTS SUMMIT                 HOLTVILLE                    
##                            1                            1 
## HOLYOKE                      HOME                         
##                            1                            1 
## HOMER                        HOMERVILLE                   
##                            1                            1 
## HOMESTEAD                    HOMETOWN                     
##                            6                            1 
## HOMEWOOD                     HONESDALE                    
##                            2                            1 
## HONOLULU                     HOOPA                        
##                            3                            1 
## HOPE                         HOPE MILLS                   
##                            1                            1 
## HOPEDALE                     HOPEWELL                     
##                            1                            3 
## HOPEWELL JUNCTION            HOPKINS                      
##                            1                            1 
## HOPKINSVILLE                 HOQUIAM                      
##                            1                            2 
## HORN LAKE                    HORSHAM                      
##                            2                            2 
## HOT SPRINGS NATIONAL PARK    HOUGHTON                     
##                            5                            1 
## HOUMA                        HOUSE SPRINGS                
##                            2                            3 
## HOUSTON                      HOWARD BEACH                 
##                           81                            1 
## HOWELL                       HUDSON                       
##                            1                            4 
## HULL                         HUMBLE                       
##                            1                            6 
## HUNTINGTON                   HUNTINGTON BEACH             
##                            3                            2 
## HUNTINGTON PARK              HUNTINGTOWN                  
##                            1                            1 
## HUNTSVILLE                   HURRICANE                    
##                            8                            1 
## HURST                        HUTTO                        
##                            1                            2 
## HYATTSVILLE                  HYDE PARK                    
##                            6                            1 
## IMPERIAL                     IMPERIAL BEACH               
##                            4                            2 
## INDEPENDENCE                 INDIAN TRAIL                 
##                            2                            1 
## INDIAN WELLS                 INDIANA                      
##                            1                            1 
## INDIANAPOLIS                 INDIANOLA                    
##                           34                            1 
## INDIO                        INGLESIDE                    
##                            1                            1 
## INGLEWOOD                    INMAN                        
##                            8                            1 
## IOWA CITY                    IPSWICH                      
##                            1                            1 
## IRMO                         IRVINE                       
##                            1                            6 
## IRVING                       IRVINGTON                    
##                            4                            2 
## IRWIN                        ISANTI                       
##                            1                            1 
## ISLIP TERRACE                ITASCA                       
##                            1                            2 
## JACKSON                      JACKSONVILLE                 
##                           18                           20 
## JAMAICA                      JAMAICA PLAIN                
##                            3                            1 
## JAMESTOWN                    JASPER                       
##                            2                            5 
## JEFFERSON                    JEFFERSON CITY               
##                            4                            3 
## JENKS                        JEROME                       
##                            1                            1 
## JERSEY CITY                  JESSUP                       
##                            9                            1 
## JESUP                        JEWELL RIDGE                 
##                            1                            1 
## JOHNSONVILLE                 JOHNSTON                     
##                            1                            5 
## JOHNSTOWN                    JOLIET                       
##                            5                            4 
## JONESBORO                    JONESVILLE                   
##                            4                            1 
## JOPLIN                       JOSEPH                       
##                            3                            1 
## JUANA DIAZ                   JUNCTION CITY                
##                            1                            3 
## JUPITER                      JUSTICE                      
##                            2                            1 
## KAHUKU                       KAHULUI                      
##                            1                            1 
## KALAMAZOO                    KAMPSVILLE                   
##                            4                            1 
## KANNAPOLIS                   KANSAS CITY                  
##                            1                           18 
## KAPOLEI                      KATHRYN                      
##                            3                            1 
## KATY                         KAUFMAN                      
##                            6                            1 
## KAYENTA                      KAYSVILLE                    
##                            2                            2 
## KEANSBURG                    KEARNEY                      
##                            1                            1 
## KEENE                        KEITHVILLE                   
##                            1                            1 
## KELLER                       KELSO                        
##                            2                            1 
## KEMAH                        KENBRIDGE                    
##                            1                            1 
## KENDALL PARK                 KENDALLVILLE                 
##                            1                            2 
## KENEDY                       KENLY                        
##                            1                            1 
## KENNEBUNK                    KENNER                       
##                            1                            4 
## KENNESAW                     KENNETT                      
##                            2                            1 
## KENNEWICK                    KENT                         
##                            1                            3 
## KENTON                       KENWOOD                      
##                            1                            1 
## KEOKUK                       KERRVILLE                    
##                            1                            2 
## KESWICK                      KETCHUM                      
##                            1                            1 
## KEVIL                        KEW GARDENS                  
##                            1                            1 
## KEWANNA                      KILLEEN                      
##                            1                            5 
## KING                         KING AND QUEEN COURT HOUSE   
##                            1                            1 
## KING CITY                    KING SALMON                  
##                            1                            1 
## KINGMAN                      KINGS MOUNTAIN               
##                            1                            1 
## KINGSHILL                    KINGSLAND                    
##                            1                            2 
## KINGSTON                     KINSTON                      
##                            1                            3 
## KIRKWOOD                     KISSIMMEE                    
##                            1                            7 
## KITTITAS                     KLAMATH FALLS                
##                            1                            1 
## KNOXVILLE                    KRUM                         
##                            3                            1 
## LA GRANGE                    LA LUZ                       
##                            2                            1 
## LA MARQUE                    LA MESA                      
##                            1                            1 
## LA MIRADA                    LA PLATA                     
##                            1                            1 
## LA PORTE                     LA PUENTE                    
##                            1                            5 
## LA VERGNE                    LA VERNIA                    
##                            4                            1 
## LACEY                        LADY LAKE                    
##                            1                            1 
## LADYS ISLAND                 LAFAYETTE                    
##                            1                           10 
## LAGRANGE                     LAGUNA BEACH                 
##                            2                            1 
## LAKE ALFRED                  LAKE ARIEL                   
##                            1                            1 
## LAKE CHARLES                 LAKE CITY                    
##                            3                            2 
## LAKE ELSINORE                LAKE FOREST                  
##                            4                            1 
## LAKE ISABELLA                LAKE LUZERNE                 
##                            1                            1 
## LAKE OSWEGO                  LAKE PLACID                  
##                            1                            1 
## LAKE SAINT LOUIS             LAKE STATION                 
##                            1                            1 
## LAKE VILLAGE                 LAKE WORTH                   
##                            1                            4 
## LAKELAND                     LAKESIDE                     
##                            9                            2 
## LAKESIDE MARBLEHEAD          LAKEVILLE                    
##                            1                            1 
## LAKEWOOD                     LANCASTER                    
##                            5                           10 
## LAND O LAKES                 LANDING                      
##                            1                            1 
## LANHAM                       LANSDOWNE                    
##                            2                            2 
## LANSING                      LAREDO                       
##                            5                            7 
## LARGO                        LARKSPUR                     
##                            3                            1 
## LAS CRUCES                   LAS PIEDRAS                  
##                            3                            1 
## LAS VEGAS                    LATHAM                       
##                           52                            1 
## LAUDERDALE                   LAUGHLIN                     
##                            1                            1 
## LAUREL                       LAUREL SPRINGS               
##                            5                            1 
## LAVEEN                       LAVON                        
##                            2                            1 
## LAWNDALE                     LAWRENCE                     
##                            1                            6 
## LAWRENCE TOWNSHIP            LAWRENCEBURG                 
##                            3                            2 
## LAWRENCEVILLE                LAWTEY                       
##                            5                            1 
## LAWTON                       LAYTON                       
##                            2                            1 
## LE MARS                      LEAGUE CITY                  
##                            1                            1 
## LEBANON                      LECOMPTE                     
##                            6                            2 
## LEEDS                        LEES SUMMIT                  
##                            1                            3 
## LEESBURG                     LEHI                         
##                            4                            1 
## LEHIGHTON                    LEMONT                       
##                            1                            1 
## LEMOORE                      LENEXA                       
##                            3                            2 
## LENORE                       LEOMINSTER                   
##                            1                            1 
## LEVITTOWN                    LEWISTON                     
##                            2                            1 
## LEWISTOWN                    LEWISVILLE                   
##                            1                            1 
## LEXINGTON                    LIBERTY                      
##                            8                            2 
## LILBURN                      LIMA                         
##                            1                            1 
## LINCOLN                      LINCOLN PARK                 
##                            8                            2 
## LINCOLN UNIVERSITY           LINCOLNTON                   
##                            1                            2 
## LINDEN                       LINDENHURST                  
##                            1                            1 
## LINDSAY                      LINDSBORG                    
##                            1                            1 
## LINTHICUM HEIGHTS            LISLE                        
##                            1                            1 
## LITCHFIELD                   LITCHFIELD PARK              
##                            1                            1 
## LITHIA SPRINGS               LITHONIA                     
##                            1                            7 
## LITTLE ELM                   LITTLE FERRY                 
##                            2                            1 
## LITTLE ROCK                  LITTLETON                    
##                            9                            6 
## LIVE OAK                     LIVONIA                      
##                            2                            2 
## LOCK HAVEN                   LOCKPORT                     
##                            1                            1 
## LOCUST GROVE                 LODI                         
##                            2                            3 
## LOGAN                        LOGANVILLE                   
##                            2                            1 
## LOMA LINDA                   LOMBARD                      
##                            1                            1 
## LOMPOC                       LONDONDERRY                  
##                            1                            1 
## LONE PINE                    LONG BEACH                   
##                            1                           15 
## LONG VALLEY                  LONGVIEW                     
##                            1                            2 
## LONGWOOD                     LORAIN                       
##                            2                            1 
## LORANGER                     LOS ALAMITOS                 
##                            1                            1 
## LOS ANGELES                  LOS FRESNOS                  
##                           42                            2 
## LOS GATOS                    LOS LUNAS                    
##                            2                            1 
## LOS MOLINOS                  LOS OSOS                     
##                            1                            1 
## LOST NATION                  LOUISBURG                    
##                            1                            1 
## LOUISVILLE                   LOVES PARK                   
##                           16                            1 
## LOWELL                       LOWELLVILLE                  
##                            3                            1 
## LUBBOCK                      LUCAMA                       
##                            5                            1 
## LULING                       LUMBER BRIDGE                
##                            1                            1 
## LUMBER CITY                  LUMBERTON                    
##                            1                            2 
## LUTCHER                      LUTHERVILLE TIMONIUM         
##                            1                            1 
## LUTZ                         LYDIA                        
##                            4                            1 
## LYNCHBURG                    LYNDEN                       
##                            4                            1 
## LYNDHURST                    LYNN                         
##                            1                            6 
## LYNNWOOD                     LYNWOOD                      
##                            2                            2 
## MABANK                       MACCLESFIELD                 
##                            1                            1 
## MACHESNEY PARK               MACON                        
##                            1                            3 
## MADERA                       MADISON                      
##                            1                           11 
## MADISON HEIGHTS              MADISONVILLE                 
##                            4                            2 
## MAGNA                        MAGNOLIA                     
##                            1                            2 
## MALTA                        MALVERN                      
##                            1                            2 
## MAMARONECK                   MANASSAS                     
##                            1                            3 
## MANCHESTER                   MANCHESTER TOWNSHIP          
##                            7                            1 
## MANDEVILLE                   MANHATTAN                    
##                            2                            3 
## MANHATTAN BEACH              MANISTEE                     
##                            1                            1 
## MANKATO                      MANNING                      
##                            2                            1 
## MANSFIELD                    MANTECA                      
##                            4                            4 
## MANTENO                      MAPLE HEIGHTS                
##                            1                            4 
## MAPLESVILLE                  MARANA                       
##                            1                            1 
## MARCUS HOOK                  MARENGO                      
##                            2                            2 
## MARICOPA                     MARIETTA                     
##                            1                            9 
## MARINA                       MARINGOUIN                   
##                            1                            1 
## MARION                       MARKHAM                      
##                            6                            3 
## MARKSVILLE                   MARLBOROUGH                  
##                            1                            2 
## MARLINTON                    MARLTON                      
##                            1                            2 
## MARMORA                      MARRERO                      
##                            1                            1 
## MARSHALL                     MARSHALLTOWN                 
##                            3                            1 
## MARTINSBURG                  MARTINSVILLE                 
##                            1                            1 
## MARYSVILLE                   MASCOUTAH                    
##                            1                            1 
## MASON                        MASON CITY                   
##                            2                            1 
## MASONTOWN                    MASSILLON                    
##                            1                            1 
## MASTIC                       MATAWAN                      
##                            1                            1 
## MATTAPAN                     MATTOON                      
##                            2                            2 
## MAUMEE                       MAYAGUEZ                     
##                            1                            1 
## MAYBEE                       MAYO                         
##                            1                            1 
## MAYS LANDING                 MAYSVILLE                    
##                            2                            1 
## MC ALPIN                     MC CORDSVILLE                
##                            2                            1 
## MC DONALD                    MC HENRY                     
##                            1                            1 
## MCALESTER                    MCALLEN                      
##                            1                            4 
## MCDONOUGH                    MCKEESPORT                   
##                            2                            1 
## MCKENNA                      MCKINNEY                     
##                            1                            1 
## MCMINNVILLE                  MCPHERSON                    
##                            1                            1 
## MEAD                         MEADOWVIEW                   
##                            2                            1 
## MEADVILLE                    MEBANE                       
##                            1                            3 
## MECHANICSVILLE               MEDFORD                      
##                            1                            1 
## MEDINA                       MELBOURNE                    
##                            1                            3 
## MELROSE PARK                 MEMPHIS                      
##                            2                           17 
## MENDENHALL                   MENDON                       
##                            2                            1 
## MENIFEE                      MENTMORE                     
##                            1                            1 
## MENTONE                      MERCED                       
##                            2                            3 
## MERIDEN                      MERIDIAN                     
##                            1                            3 
## MERRILLVILLE                 MERRIMACK                    
##                            4                            1 
## MERRITT ISLAND               MESA                         
##                            1                           12 
## MESQUITE                     METAIRIE                     
##                            7                            1 
## MEXICO                       MIAMI                        
##                            1                           60 
## MIAMI BEACH                  MIAMISBURG                   
##                            3                            1 
## MIDDLE ISLAND                MIDDLE RIVER                 
##                            1                            1 
## MIDDLEBORO                   MIDDLETOWN                   
##                            2                            4 
## MIDKIFF                      MIDLAND                      
##                            1                            3 
## MILFORD                      MILILANI                     
##                            5                            2 
## MILLEDGEVILLE                MILLEN                       
##                            2                            1 
## MILLERTON                    MILLINGTON                   
##                            1                            1 
## MILLS                        MILLSBORO                    
##                            1                            1 
## MILLVILLE                    MILPITAS                     
##                            1                            2 
## MILWAUKEE                    MINDEN                       
##                            1                            1 
## MINGO JUNCTION               MINNEAPOLIS                  
##                            1                           15 
## MINOT                        MIRA LOMA                    
##                            3                            3 
## MISHAWAKA                    MISSION                      
##                            1                            3 
## MISSION VIEJO                MISSOURI CITY                
##                            2                            3 
## MITCHELL                     MITCHELLVILLE                
##                            1                            1 
## MOAB                         MOBERLY                      
##                            1                            1 
## MOBILE                       MOCKSVILLE                   
##                            9                            1 
## MODESTO                      MOKANE                       
##                            8                            1 
## MOLINE                       MONAHANS                     
##                            1                            1 
## MONCKS CORNER                MONROE                       
##                            1                            5 
## MONROE CITY                  MONTAGUE                     
##                            1                            2 
## MONTEBELLO                   MONTEREY                     
##                            1                            1 
## MONTEREY PARK                MONTEVALLO                   
##                            1                            2 
## MONTGOMERY                   MONTICELLO                   
##                           10                            2 
## MONTROSE                     MONUMENT                     
##                            3                            1 
## MOORESBURG                   MOORESVILLE                  
##                            1                            1 
## MORA                         MOREHEAD CITY                
##                            1                            1 
## MORENO VALLEY                MORGANTON                    
##                           13                            2 
## MORRIS                       MORRISVILLE                  
##                            3                            2 
## MORROW                       MORTON                       
##                            1                            2 
## MOSCOW                       MOSES LAKE                   
##                            2                            1 
## MOSS POINT                   MOULTRIE                     
##                            1                            1 
## MOUND                        MOUNDS                       
##                            1                            1 
## MOUNT AIRY                   MOUNT BETHEL                 
##                            1                            1 
## MOUNT HOLLY                  MOUNT JULIET                 
##                            1                            3 
## MOUNT KISCO                  MOUNT LAUREL                 
##                            1                            1 
## MOUNT MORRIS                 MOUNT OLIVE                  
##                            1                            1 
## MOUNT PLEASANT               MOUNT PROSPECT               
##                            1                            1 
## MOUNT RAINIER                MOUNT STERLING               
##                            1                            1 
## MOUNT VERNON                 MOUNTAIN TOP                 
##                            3                            3 
## MOUNTAINBURG                 MUIR                         
##                            1                            1 
## MULDOON                      MUNCIE                       
##                            1                            2 
## MUNSTER                      MURFREESBORO                 
##                            1                            1 
## MURPHYSBORO                  MURRIETA                     
##                            1                            2 
## MUSCLE SHOALS                MUSKEGON                     
##                            1                            1 
## MYRTLE BEACH                 NACOGDOCHES                  
##                            1                            1 
## NAMPA                        NANJEMOY                     
##                            2                            1 
## NAPA                         NAPERVILLE                   
##                            2                            2 
## NAPLES                       NAPPANEE                     
##                            4                            1 
## NASHUA                       NASHVILLE                    
##                            3                           13 
## NATCHEZ                      NATIONAL CITY                
##                            2                            3 
## NAVARRE                      NEOSHO                       
##                            1                            1 
## NEVADA                       NEW ALBANY                   
##                            1                            1 
## NEW BALTIMORE                NEW BEDFORD                  
##                            1                            2 
## NEW BERN                     NEW BRAUNFELS                
##                            3                            2 
## NEW BRITAIN                  NEW BRUNSWICK                
##                            1                            1 
## NEW BUFFALO                  NEW CARLISLE                 
##                            1                            2 
## NEW CASTLE                   NEW CITY                     
##                            2                            1 
## NEW CONCORD                  NEW EGYPT                    
##                            1                            1 
## NEW GLOUCESTER               NEW HAVEN                    
##                            1                            4 
## NEW LEXINGTON                NEW ORLEANS                  
##                            2                           13 
## NEW PORT RICHEY              NEW RICHMOND                 
##                            2                            1 
## NEW TOWN                     NEW VIENNA                   
##                            1                            1 
## NEW WINDSOR                  NEW YORK                     
##                            2                           24 
## NEWARK                       NEWAYGO                      
##                           17                            1 
## NEWBERG                      NEWBURG                      
##                            3                            2 
## NEWBURGH                     NEWFANE                      
##                            3                            1 
## NEWINGTON                    NEWNAN                       
##                            2                            5 
## NEWPORT                      NEWPORT BEACH                
##                            3                            2 
## NEWPORT NEWS                 NEWTON                       
##                            6                            2 
## NIAGARA FALLS                NICHOLASVILLE                
##                            2                            1 
## NICHOLS                      NILES                        
##                            1                            1 
## NITRO                        NIXA                         
##                            1                            1 
## NOBLESVILLE                  NOCONA                       
##                            2                            1 
## NORCO                        NORCROSS                     
##                            1                            6 
## NORFOLK                      NORMAL                       
##                            8                            1 
## NORMAN                       NORTH APOLLO                 
##                            2                            1 
## NORTH ATTLEBORO              NORTH AUGUSTA                
##                            1                            1 
## NORTH AURORA                 NORTH BEND                   
##                            1                            1 
## NORTH CHARLESTON             NORTH CHICAGO                
##                            2                            1 
## NORTH CHILI                  NORTH FERRISBURGH            
##                            1                            1 
## NORTH FORT MYERS             NORTH HAVEN                  
##                            1                            1 
## NORTH HIGHLANDS              NORTH HOLLYWOOD              
##                            1                            6 
## NORTH LAS VEGAS              NORTH LIBERTY                
##                            5                            1 
## NORTH LITTLE ROCK            NORTH PORT                   
##                            1                            1 
## NORTH PORT CARRIER ANNEX     NORTH PROVIDENCE             
##                            2                            1 
## NORTH RICHLAND HILLS         NORTH RIDGEVILLE             
##                            1                            1 
## NORTH TAZEWELL               NORTH VERNON                 
##                            1                            1 
## NORTH WEBSTER                NORTH WILKESBORO             
##                            1                            1 
## NORTHAMPTON                  NORTHFIELD                   
##                            1                            1 
## NORTHWOOD                    NORWALK                      
##                            1                            9 
## NORWAY                       NORWICH                      
##                            1                            1 
## NORWOOD                      NOVATO                       
##                            2                            2 
## NOVI                         NUTLEY                       
##                            2                            1 
## O FALLON                     OAK FOREST                   
##                            7                            1 
## OAK HILL                     OAK ISLAND                   
##                            1                            1 
## OAK LAWN                     OAK PARK                     
##                            1                            1 
## OAK RIDGE                    OAKLAND                      
##                            1                            6 
## OAKLEY                       OAKRIDGE                     
##                            3                            1 
## OCALA                        OCEAN CITY                   
##                            7                            1 
## OCEAN ISLE BEACH             OCEANSIDE                    
##                            1                            2 
## ODESSA                       ODIN                         
##                            5                            1 
## OGDEN                        OJAI                         
##                            4                            1 
## OKEECHOBEE                   OKLAHOMA CITY                
##                            1                           14 
## OLATHE                       OLD BRIDGE                   
##                            2                            1 
## OLD ORCHARD BEACH            OLDSMAR                      
##                            1                            1 
## OLIVE BRANCH                 OLIVEHURST                   
##                            1                            1 
## OLIVIA                       OLNEY                        
##                            1                            2 
## OLYMPIA                      OLYMPIA FIELDS               
##                            1                            1 
## OLYPHANT                     OMAHA                        
##                            2                           14 
## OMEGA                        ONANCOCK                     
##                            1                            1 
## ONTARIO                      OOLTEWAH                     
##                            5                            1 
## OPA LOCKA                    OPELOUSAS                    
##                           10                            1 
## OPP                          ORANGE                       
##                            1                            3 
## ORANGE PARK                  ORANGEBURG                   
##                            4                            2 
## OREGON                       ORFORD                       
##                            2                            1 
## ORLANDO                      ORMOND BEACH                 
##                           33                            3 
## OROVILLE                     OSCEOLA MILLS                
##                            3                            1 
## OSWEGO                       OTTAWA                       
##                            1                            1 
## OTTERBEIN                    OTTUMWA                      
##                            1                            1 
## OTWAY                        OVERLAND PARK                
##                            1                            3 
## OVERTON                      OVIEDO                       
##                            1                            1 
## OWENSBORO                    OWINGS                       
##                            1                            1 
## OWINGS MILLS                 OWOSSO                       
##                            3                            1 
## OXFORD                       OXNARD                       
##                            4                            7 
## OXON HILL                    OYSTER BAY                   
##                            1                            1 
## OZARK                        OZONE PARK                   
##                            1                            1 
## PACIFIC CITY                 PACIFICA                     
##                            1                            1 
## PACOIMA                      PAHRUMP                      
##                            1                            1 
## PAIA                         PAINTSVILLE                  
##                            1                            1 
## PALA                         PALATINE                     
##                            1                            1 
## PALATKA                      PALESTINE                    
##                            1                            2 
## PALM BAY                     PALM BEACH GARDENS           
##                            7                            2 
## PALM DESERT                  PALM HARBOR                  
##                            2                            1 
## PALM SPRINGS                 PALMDALE                     
##                            3                            9 
## PALMETTO                     PALMYRA                      
##                            1                            3 
## PALO ALTO                    PANAMA CITY                  
##                            2                            2 
## PARAMOUNT                    PARIS                        
##                            2                            2 
## PARK CITY                    PARK FOREST                  
##                            1                            3 
## PARK RIDGE                   PARKER                       
##                            1                            2 
## PARKSLEY                     PARKVILLE                    
##                            1                            2 
## PASADENA                     PASCAGOULA                   
##                            6                            1 
## PASCO                        PASS CHRISTIAN               
##                            1                            1 
## PATERSON                     PAULDING                     
##                            3                            1 
## PAX                          PAYNESVILLE                  
##                            1                            2 
## PEABODY                      PEACHTREE CITY               
##                            1                            3 
## PEARCY                       PEARL                        
##                            1                            2 
## PEARL CITY                   PEARLAND                     
##                            1                            1 
## PEASE                        PEEKSKILL                    
##                            1                            1 
## PELAHATCHIE                  PELHAM                       
##                            1                            2 
## PELLA                        PEMBERTON                    
##                            1                            1 
## PENDLETON                    PENNSAUKEN                   
##                            1                            2 
## PENNSBORO                    PENNSVILLE                   
##                            1                            1 
## PENSACOLA                    PEORIA                       
##                            5                            6 
## PERRIS                       PERRYSBURG                   
##                            3                            1 
## PERTH AMBOY                  PETALUMA                     
##                            1                            2 
## PETOSKEY                     PEYTON                       
##                            1                            1 
## PFAFFTOWN                    PFLUGERVILLE                 
##                            1                            3 
## PHELPS                       PHENIX CITY                  
##                            1                            1 
## PHILADELPHIA                 PHILLIPSBURG                 
##                           54                            1 
## PHOENIX                      PHOENIXVILLE                 
##                           21                            1 
## PICAYUNE                     PICKENS                      
##                            1                            1 
## PICKERINGTON                 PIEDMONT                     
##                            2                            1 
## PIKEVILLE                    PIMA                         
##                            1                            1 
## PINCKNEY                     PINE BLUFF                   
##                            2                            3 
## PINE GROVE                   PINE RIVER                   
##                            1                            1 
## PINEHURST                    PINELLAS PARK                
##                            1                            3 
## PINEVILLE                    PINNACLE                     
##                            2                            2 
## PINOLE                       PIQUA                        
##                            2                            1 
## PISGAH FOREST                PISMO BEACH                  
##                            1                            1 
## PITTS                        PITTSBURG                    
##                            1                            2 
## PITTSBURGH                   PITTSFIELD                   
##                           14                            4 
## PITTSVIEW                    PLACERVILLE                  
##                            1                            1 
## PLAINFIELD                   PLAINSBORO                   
##                            6                            1 
## PLAINVILLE                   PLANO                        
##                            3                            4 
## PLANT CITY                   PLAZA                        
##                            3                            1 
## PLYMOUTH                     POLAND                       
##                            2                            1 
## POLK CITY                    POLKTON                      
##                            1                            1 
## POLSON                       POMEROY                      
##                            1                            1 
## POMFRET CENTER               POMONA                       
##                            1                            4 
## POMPANO BEACH                PONCA CITY                   
##                            9                            2 
## PONCE                        PONTIAC                      
##                            2                            3 
## POOLER                       POPLAR                       
##                            1                            1 
## POPLAR BLUFF                 PORT ANGELES                 
##                            2                            2 
## PORT ARTHUR                  PORT CHARLOTTE               
##                            1                            3 
## PORT CLINTON                 PORT HURON                   
##                            1                            3 
## PORT JEFFERSON STATION       PORT ORCHARD                 
##                            1                            1 
## PORT SAINT LUCIE             PORT TOWNSEND                
##                            4                            1 
## PORTAGE                      PORTAGEVILLE                 
##                            2                            1 
## PORTER                       PORTLAND                     
##                            1                           17 
## PORTSMOUTH                   POST FALLS                   
##                            2                            1 
## POTEAU                       POTTERVILLE                  
##                            2                            1 
## POTTSTOWN                    POULSBO                      
##                            1                            1 
## POUND                        POWDER SPRINGS               
##                            1                            2 
## PRAGUE                       PRAIRIE DU ROCHER            
##                            1                            1 
## PRAIRIEVILLE                 PRATTVILLE                   
##                            1                            3 
## PRENTISS                     PRESCOTT                     
##                            1                            1 
## PRESCOTT VALLEY              PRESTON                      
##                            3                            2 
## PRINCE FREDERICK             PRINCETON                    
##                            1                            5 
## PROCTORVILLE                 PROSPECT HEIGHTS             
##                            1                            1 
## PROSSER                      PROVIDENCE                   
##                            1                            4 
## PRYOR                        PUEBLO                       
##                            1                            3 
## PULASKI                      PUTNAM                       
##                            2                            1 
## PUYALLUP                     QUEBECK                      
##                            2                            1 
## QUEEN CREEK                  QUINCY                       
##                            4                            5 
## QUINTON                      RACINE                       
##                            1                            1 
## RAEFORD                      RAHWAY                       
##                            2                            3 
## RALEIGH                      RAMSEUR                      
##                           13                            1 
## RANCHO CUCAMONGA             RANCHO MIRAGE                
##                            3                            1 
## RANCHO SANTA MARGARITA       RANDALLSTOWN                 
##                            2                            1 
## RANDOLPH                     RANSON                       
##                            3                            1 
## RANTOUL                      RAPID CITY                   
##                            1                            2 
## RAVENNA                      RAYVILLE                     
##                            3                            1 
## READING                      REALITOS                     
##                            1                            1 
## RED LEVEL                    RED OAK                      
##                            1                            2 
## RED SPRINGS                  REDDICK                      
##                            1                            1 
## REDDING                      REDFIELD                     
##                            5                            1 
## REDFORD                      REDLANDS                     
##                            2                            2 
## REDMOND                      REEDSPORT                    
##                            1                            1 
## REESE                        REISTERSTOWN                 
##                            1                            2 
## RENFREW                      RENO                         
##                            1                            4 
## RENTON                       RESEDA                       
##                            2                            3 
## REX                          REYNOLDSBURG                 
##                            2                            1 
## RIALTO                       RICEBORO                     
##                            5                            1 
## RICHLAND                     RICHMOND                     
##                            2                           15 
## RICHMOND HILL                RICHTON PARK                 
##                            1                            2 
## RIDGE SPRING                 RIDGEFIELD                   
##                            1                            1 
## RIDGEFIELD PARK              RIDGELAND                    
##                            1                            1 
## RIDGEWAY                     RIENZI                       
##                            1                            1 
## RIGBY                        RINGGOLD                     
##                            1                            1 
## RIO FRIO                     RIO GRANDE CITY              
##                            1                            1 
## RIO RANCHO                   RIO VISTA                    
##                            1                            1 
## RIPLEY                       RISON                        
##                            1                            1 
## RITZVILLE                    RIVERDALE                    
##                            1                            5 
## RIVERSIDE                    RIVERTON                     
##                           15                            2 
## RIVERVIEW                    RIVES                        
##                            1                            1 
## ROANOKE                      ROANOKE RAPIDS               
##                            7                            2 
## ROARING SPRING               ROBINS                       
##                            1                            1 
## ROBSTOWN                     ROCHELLE                     
##                            3                            2 
## ROCHESTER                    ROCK CREEK                   
##                            7                            1 
## ROCK FALLS                   ROCK HILL                    
##                            1                            2 
## ROCK SPRINGS                 ROCKFORD                     
##                            1                            7 
## ROCKLEDGE                    ROCKLIN                      
##                            3                            2 
## ROCKPORT                     ROCKVALE                     
##                            1                            1 
## ROCKVILLE                    ROCKVILLE CENTRE             
##                            2                            1 
## ROCKWELL                     ROCKWOOD                     
##                            1                            1 
## ROCKY HILL                   ROCKY MOUNT                  
##                            1                            2 
## ROGERS                       ROHNERT PARK                 
##                            1                            1 
## ROLLA                        ROME                         
##                            1                            3 
## ROMEOVILLE                   ROMULUS                      
##                            3                            5 
## ROOTSTOWN                    ROPER                        
##                            1                            1 
## ROSAMOND                     ROSEBURG                     
##                            1                            1 
## ROSEDALE                     ROSEMEAD                     
##                            1                            1 
## ROSENBERG                    ROSEVILLE                    
##                            1                            8 
## ROSWELL                      ROUND LAKE                   
##                            1                            4 
## ROUND ROCK                   ROWLAND HEIGHTS              
##                            1                            1 
## ROWLETT                      ROYAL OAK                    
##                            2                            1 
## ROYERSFORD                   ROYSE CITY                   
##                            1                            2 
## RUMFORD                      RURAL HALL                   
##                            1                            1 
## RUSKIN                       RUSSELLVILLE                 
##                            2                            1 
## RUSTON                       RUTLEDGE                     
##                            1                            1 
## RYAN                         SABINA                       
##                            1                            1 
## SACHSE                       SACRAMENTO                   
##                            3                           24 
## SADDLE BROOK                 SAGINAW                      
##                            1                            1 
## SAGUACHE                     SAINT AUGUSTINE              
##                            1                            3 
## SAINT CHARLES                SAINT CLOUD                  
##                            3                            3 
## SAINT GEORGE                 SAINT JAMES                  
##                            2                            2 
## SAINT JOE                    SAINT JOHNSVILLE             
##                            1                            1 
## SAINT LOUIS                  SAINT PAUL                   
##                           20                           14 
## SAINT PETERS                 SAINT PETERSBURG             
##                            3                            7 
## SALADO                       SALEM                        
##                            1                           14 
## SALINAS                      SALISBURY                    
##                            3                            5 
## SALT LAKE CITY               SALTSBURG                    
##                            5                            1 
## SAN ANTONIO                  SAN BERNARDINO               
##                           45                            6 
## SAN CLEMENTE                 SAN DIEGO                    
##                            3                           22 
## SAN FRANCISCO                SAN JOSE                     
##                           15                           20 
## SAN JUAN                     SAN LEANDRO                  
##                            4                            2 
## SAN LUIS OBISPO              SAN MARCOS                   
##                            2                            5 
## SAN PEDRO                    SAN RAMON                    
##                            2                            1 
## SAN YSIDRO                   SAND SPRINGS                 
##                            2                            1 
## SANDSTON                     SANDUSKY                     
##                            2                            4 
## SANDY                        SANDY RIDGE                  
##                            1                            1 
## SANFORD                      SANGER                       
##                            6                            3 
## SANTA ANA                    SANTA BARBARA                
##                            2                            1 
## SANTA CLARA                  SANTA CLARITA                
##                            1                            1 
## SANTA MARIA                  SANTA ROSA                   
##                            1                            5 
## SANTA ROSA BEACH             SANTEE                       
##                            1                            1 
## SARASOTA                     SARATOGA                     
##                            6                            1 
## SATELLITE BEACH              SAUGERTIES                   
##                            1                            1 
## SAUGUS                       SAVANNAH                     
##                            1                            4 
## SCHAUMBURG                   SCHENECTADY                  
##                            2                            1 
## SCHERTZ                      SCIO                         
##                            1                            1 
## SCOTT                        SCOTTSDALE                   
##                            1                            4 
## SCRANTON                     SEABROOK                     
##                            3                            2 
## SEADRIFT                     SEAFORD                      
##                            1                            1 
## SEASIDE                      SEATTLE                      
##                            1                           11 
## SEFFNER                      SEGUIN                       
##                            1                            1 
## SELBYVILLE                   SELMA                        
##                            1                            2 
## SEMINOLE                     SENATOBIA                    
##                            1                            1 
## SEQUIM                       SEVERN                       
##                            2                            3 
## SEVERNA PARK                 SEVIERVILLE                  
##                            1                            2 
## SEWICKLEY                    SHAMOKIN                     
##                            1                            1 
## SHANNON                      SHARON HILL                  
##                            1                            1 
## SHAW A F B                   SHAWNEE                      
##                            1                            3 
## SHELBY                       SHELTON                      
##                            1                            1 
## SHERIDAN                     SHERMAN                      
##                            1                            1 
## SHERWOOD                     SHILOH                       
##                            1                            1 
## SHINGLE SPRINGS              SHINNSTON                    
##                            2                            1 
## SHIPROCK                     SHIPSHEWANA                  
##                            1                            1 
## SHIRLEY                      SHREVEPORT                   
##                            2                            5 
## SHREWSBURY                   SICKLERVILLE                 
##                            1                            1 
## SIDNEY                       SIERRA VISTA                 
##                            1                            1 
## SILVER SPRING                SILVER SPRINGS               
##                            4                            1 
## SILVERTHORNE                 SILVIS                       
##                            2                            1 
## SIMI VALLEY                  SIMPSONVILLE                 
##                            2                            2 
## SIOUX FALLS                  SITKA                        
##                            1                            1 
## SKOKIE                       SLIDELL                      
##                            1                            2 
## SLOCOMB                      SMITHFIELD                   
##                            1                            3 
## SMITHTON                     SMITHVILLE                   
##                            1                            2 
## SMYRNA                       SNELLVILLE                   
##                            4                            5 
## SNOHOMISH                    SNOQUALMIE                   
##                            1                            1 
## SNOW CAMP                    SNYDER                       
##                            1                            2 
## SODDY DAISY                  SOMERS                       
##                            1                            1 
## SOMERVILLE                   SOPERTON                     
##                            5                            1 
## SOPHIA                       SORRENTO                     
##                            1                            1 
## SOUDERTON                    SOUTH BAY                    
##                            1                            1 
## SOUTH BEND                   SOUTH BERWICK                
##                            3                            1 
## SOUTH CHATHAM                SOUTH DENNIS                 
##                            1                            1 
## SOUTH EL MONTE               SOUTH GATE                   
##                            1                            2 
## SOUTH GRAFTON                SOUTH HILL                   
##                            1                            1 
## SOUTH HOLLAND                SOUTH HOUSTON                
##                            1                            1 
## SOUTH LAKE TAHOE             SOUTH LYON                   
##                            1                            1 
## SOUTH MILWAUKEE              SOUTH OZONE PARK             
##                            1                            2 
## SOUTH SAINT PAUL             SOUTH WINDSOR                
##                            1                            4 
## SOUTHAVEN                    SOUTHFIELD                   
##                            4                            2 
## SOUTHMAYD                    SOUTHWICK                    
##                            1                            1 
## SPANAWAY                     SPANISH FORT                 
##                            3                            1 
## SPARROWS POINT               SPARTA                       
##                            1                            2 
## SPENCER                      SPENCERVILLE                 
##                            1                            1 
## SPINDALE                     SPLENDORA                    
##                            1                            1 
## SPOKANE                      SPRING                       
##                            6                            9 
## SPRING GROVE                 SPRING HILL                  
##                            1                            4 
## SPRING HOPE                  SPRING VALLEY                
##                            1                            2 
## SPRINGBORO                   SPRINGDALE                   
##                            1                            2 
## SPRINGFIELD                  SPRINGFIELD GARDENS          
##                           11                            1 
## SPRINGTOWN                   STAFFORD                     
##                            1                            3 
## STAMFORD                     STANARDSVILLE                
##                            5                            1 
## STANLEY                      STANTON                      
##                            1                            1 
## STARR                        STATE COLLEGE                
##                            1                            1 
## STATEN ISLAND                STATESVILLE                  
##                            5                            2 
## STERLING                     STEUBENVILLE                 
##                            4                            1 
## STEVENS POINT                STILLWATER                   
##                            1                            1 
## STIRLING                     STOCKBRIDGE                  
##                            1                            3 
## STOCKTON                     STONE MOUNTAIN               
##                           11                            6 
## STRATFORD                    STREETSBORO                  
##                            2                            1 
## STRONGSVILLE                 STUART                       
##                            1                            1 
## SUFFOLK                      SUGAR LAND                   
##                            2                            2 
## SUISUN CITY                  SUITLAND                     
##                            1                            6 
## SULLIGENT                    SULPHUR                      
##                            1                            1 
## SUMMERVILLE                  SUMNER                       
##                            4                            1 
## SUMTER                       SUN CITY                     
##                            2                            2 
## SUNLAND PARK                 SUNNYVALE                    
##                            1                            2 
## SURPRISE                     SUTHERLIN                    
##                            3                            1 
## SUWANEE                      SWAMPSCOTT                   
##                            2                            1 
## SWANSEA                      SWARTHMORE                   
##                            1                            1 
## SWEDESBORO                   SWEET WATER                  
##                            1                            1 
## SWEETWATER                   SYLACAUGA                    
##                            1                            2 
## SYLMAR                       SYLVANIA                     
##                            1                            1 
## SYRACUSE                     TABOR CITY                   
##                            4                            1 
## TACOMA                       TAHOKA                       
##                            3                            1 
## TAKOMA PARK                  TALBOTT                      
##                            1                            1 
## TALLAHASSEE                  TALLULAH                     
##                            4                            2 
## TAMPA                        TANEYTOWN                    
##                           13                            1 
## TARBORO                      TARRYTOWN                    
##                            1                            1 
## TAUNTON                      TAYLOR                       
##                            1                            6 
## TAYLORVILLE                  TEANECK                      
##                            1                            1 
## TECUMSEH                     TELFORD                      
##                            1                            1 
## TELLICO PLAINS               TEMECULA                     
##                            1                            2 
## TEMPE                        TEMPLE                       
##                            1                            4 
## TEMPLE HILLS                 TERRE HAUTE                  
##                            1                            3 
## TERREBONNE                   TEXARKANA                    
##                            1                            1 
## TEXAS CITY                   THAYER                       
##                            4                            1 
## THE COLONY                   THE PLAINS                   
##                            2                            1 
## THEODORE                     THIBODAUX                    
##                            1                            1 
## THOMASTON                    THOMASVILLE                  
##                            1                            1 
## THOUSAND OAKS                THREE RIVERS                 
##                            1                            1 
## TICKFAW                      TIFFIN                       
##                            1                            1 
## TIFTON                       TIMPSON                      
##                            2                            1 
## TISHOMINGO                   TITUSVILLE                   
##                            1                            2 
## TIVERTON                     TOA ALTA                     
##                            1                            1 
## TOANO                        TOBYHANNA                    
##                            1                            1 
## TOLEDO                       TOLLESON                     
##                            6                            1 
## TOMBALL                      TOMS RIVER                   
##                            1                            1 
## TONAWANDA                    TONOPAH                      
##                            1                            1 
## TOOELE                       TOPEKA                       
##                            2                            2 
## TORRINGTON                   TOWAOC                       
##                            1                            1 
## TOWN CREEK                   TRACY                        
##                            1                            3 
## TRANSFER                     TRANSYLVANIA                 
##                            1                            1 
## TRAPPER CREEK                TRAVELERS REST               
##                            1                            1 
## TRAVIS AFB                   TRENTON                      
##                            1                            8 
## TRIANGLE                     TRIMBLE                      
##                            1                            1 
## TRION                        TROY                         
##                            1                            3 
## TUALATIN                     TUCKER                       
##                            1                            1 
## TUCKERTON                    TUCSON                       
##                            1                           16 
## TULARE                       TULSA                        
##                            2                            8 
## TUNKHANNOCK                  TUPELO                       
##                            1                            1 
## TURLOCK                      TURNERS FALLS                
##                            2                            1 
## TUSCALOOSA                   TUSTIN                       
##                            2                            2 
## TWINSBURG                    TYLER                        
##                            1                            1 
## TYNER                        UMATILLA                     
##                            1                            1 
## UNCASVILLE                   UNION                        
##                            1                            2 
## UNION CITY                   UNIONDALE                    
##                            6                            1 
## UNIONTOWN                    UNIVERSAL CITY               
##                            1                            1 
## UNIVERSITY PLACE             UPLAND                       
##                            1                            3 
## UPPER DARBY                  UPPER MARLBORO               
##                            4                            5 
## UPPER SANDUSKY               UTICA                        
##                            1                            2 
## UVALDE                       VACAVILLE                    
##                            1                            4 
## VALDOSTA                     VALENCIA                     
##                            3                            1 
## VALLEJO                      VALLEY CITY                  
##                            3                            1 
## VALPARAISO                   VALRICO                      
##                            1                            5 
## VAN NUYS                     VANCLEAVE                    
##                            7                            1 
## VANCOUVER                    VANDALIA                     
##                           10                            1 
## VARNELL                      VEGA BAJA                    
##                            1                            2 
## VENICE                       VERADALE                     
##                            3                            1 
## VERNON HILLS                 VERNON ROCKVILLE             
##                            1                            1 
## VERO BEACH                   VERSAILLES                   
##                            4                            2 
## VICTORIA                     VICTORVILLE                  
##                            2                            3 
## VIDALIA                      VIDOR                        
##                            2                            1 
## VIENNA                       VILLA PARK                   
##                            3                            1 
## VILLA RICA                   VILLE PLATTE                 
##                            4                            1 
## VINCENTOWN                   VINE GROVE                   
##                            1                            1 
## VINELAND                     VINTON                       
##                            5                            1 
## VIRGINIA BEACH               VISALIA                      
##                           13                            4 
## VISTA                        VOORHEES                     
##                            5                            1 
## WACO                         WADENA                       
##                            5                            1 
## WAIANAE                      WAIPAHU                      
##                            2                            1 
## WAKE FOREST                  WAKEFIELD                    
##                            1                            1 
## WALDORF                      WALKER                       
##                            4                            1 
## WALL                         WALLA WALLA                  
##                            1                            1 
## WALLINGTON                   WALNUT                       
##                            1                            1 
## WALTERBORO                   WALTON                       
##                            1                            1 
## WAPPINGERS FALLS             WARMINSTER                   
##                            2                            1 
## WARREN                       WARRENTON                    
##                            9                            2 
## WARSAW                       WARTRACE                     
##                            1                            1 
## WARWICK                      WASHINGTON                   
##                            1                           21 
## WASHINGTON COURT HOUSE       WATER VALLEY                 
##                            1                            1 
## WATERBORO                    WATERBURY                    
##                            1                            4 
## WATERFLOW                    WATERFORD                    
##                            1                            4 
## WATERLOO                     WATERTOWN                    
##                            1                            5 
## WATERVILLE                   WATSONVILLE                  
##                            2                            3 
## WAUKAU                       WAUKEGAN                     
##                            1                            3 
## WAVELAND                     WAVERLY HALL                 
##                            1                            1 
## WAXAHACHIE                   WAXHAW                       
##                            1                            1 
## WAYCROSS                     WAYLAND                      
##                            1                            1 
## WAYNE                        WAYNESBORO                   
##                            1                            2 
## WAYNESVILLE                  WAYZATA                      
##                            1                            1 
## WEAVERVILLE                  WEBB CITY                    
##                            2                            1 
## WEBSTER CITY                 WEIRTON                      
##                            1                            1 
## WELDON                       WELLFLEET                    
##                            1                            1 
## WENATCHEE                    WENTZVILLE                   
##                            1                            2 
## WESLACO                      WESLEY CHAPEL                
##                            1                            1 
## WESSON                       WEST BABYLON                 
##                            1                            1 
## WEST BRANCH                  WEST CHESTER                 
##                            1                            1 
## WEST COVINA                  WEST GROVE                   
##                            4                            1 
## WEST HATFIELD                WEST HELENA                  
##                            1                            1 
## WEST HEMPSTEAD               WEST HOLLYWOOD               
##                            1                            3 
## WEST JORDAN                  WEST LAFAYETTE               
##                            1                            1 
## WEST LIBERTY                 WEST MEMPHIS                 
##                            1                            1 
## WEST MILFORD                 WEST NEW YORK                
##                            1                            1 
## WEST PALM BEACH              WEST PLAINS                  
##                           14                            1 
## WEST POINT                   WEST SACRAMENTO              
##                            2                            1 
## WEST TISBURY                 WEST WARWICK                 
##                            1                            2 
## WESTBURY                     WESTCHESTER                  
##                            1                            1 
## WESTERLY                     WESTERVILLE                  
##                            1                            2 
## WESTLAKE VILLAGE             WESTLAND                     
##                            1                            2 
## WESTMINSTER                  WESTMORELAND                 
##                            3                            1 
## WESTVILLE                    WETUMKA                      
##                            1                            1 
## WHEATFIELD                   WHEATON                      
##                            1                            2 
## WHEELING                     WHITAKERS                    
##                            2                            1 
## WHITE LAKE                   WHITE OAK                    
##                            1                            1 
## WHITEFIELD                   WHITEHALL                    
##                            1                            1 
## WHITESVILLE                  WHITT                        
##                            1                            1 
## WHITTIER                     WHITWELL                     
##                            3                            1 
## WICHITA                      WIGGINS                      
##                            7                            1 
## WILBRAHAM                    WILDWOOD                     
##                            1                            2 
## WILKES BARRE                 WILLARD                      
##                            4                            1 
## WILLCOX                      WILLIAMSBURG                 
##                            1                            1 
## WILLIAMSTOWN                 WILLIMANTIC                  
##                            3                            1 
## WILLISTON                    WILMER                       
##                            1                            1 
## WILMINGTON                   WILMOT                       
##                            7                            1 
## WILSON                       WINCHENDON                   
##                            1                            1 
## WINCHESTER                   WINDER                       
##                            1                            2 
## WINDERMERE                   WINDSOR                      
##                            1                            3 
## WINDSOR MILL                 WINFIELD                     
##                            3                            1 
## WINNETKA                     WINONA                       
##                            2                            1 
## WINSLOW                      WINSTON SALEM                
##                            2                            7 
## WINTER GARDEN                WINTER HAVEN                 
##                            2                            1 
## WINTER PARK                  WINTER SPRINGS               
##                            2                            1 
## WINTERS                      WINTERVILLE                  
##                            1                            1 
## WIXOM                        WOBURN                       
##                            1                            2 
## WOODBRIDGE                   WOODHAVEN                    
##                            2                            1 
## WOODLAND HILLS               WOODLAWN                     
##                            1                            1 
## WOODRIDGE                    WOODSTOCK                    
##                            1                            2 
## WOODWARD                     WOONSOCKET                   
##                            1                            1 
## WORCESTER                    WORTH                        
##                            4                            1 
## WYANDOTTE                    WYCKOFF                      
##                            1                            1 
## WYOMING                      YADKINVILLE                  
##                            3                            1 
## YAKIMA                       YAUCO                        
##                            5                            1 
## YAZOO CITY                   YELM                         
##                            1                            1 
## YONKERS                      YORBA LINDA                  
##                            6                            1 
## YORK                         YORKTOWN                     
##                            2                            1 
## YORKTOWN HEIGHTS             YORKVILLE                    
##                            1                            1 
## YOUNGSTOWN                   YOUNGTOWN                    
##                            4                            1 
## YOUNGWOOD                    YPSILANTI                    
##                            1                            2 
## YUBA CITY                    YUCCA VALLEY                 
##                            3                            2 
## YUKON                        YUMA                         
##                            1                            3 
## ZACHARY                      ZANESVILLE                   
##                            1                            2 
## ZEBULON                      ZELLWOOD                     
##                            1                            1 
## ZEPHYRHILLS                  ZION                         
##                            2                            2
table(newData$State)
## 
##  AE  AK  AL  AR  AZ  CA  CO  CT  DC  DE  FL  GA  HI  IA  ID  IL  IN  KS  KY  LA 
##   3  10 127  58 117 726  99  77  14  25 489 280  19  48  18 268 116  45  65 110 
##  MA  MD  ME  MI  MN  MO  MS  MT  NC  ND  NE  NH  NJ  NM  NV  NY  OH  OK  OR  PA 
## 123 158  19 197  70 120  76  10 215  12  41  23 176  35  78 218 261  56  60 231 
##  PR  RI  SC  SD  TN  TX  UT  VA  VI  VT  WA  WI  WV  WY 
##  22  26  73   9 126 555  30 131   2   4 108  13  39   7
table(as.character(newData$ZipCode))
## 
## 10009 10019 10025 10026 10027 10029 10030 10031 10032 10033 10034 10035 10039 
##     1     1     1     1     2     2     2     2     3     1     2     2     2 
## 10040 10128  1013  1020 10305 10306 10312  1040 10451 10452 10453 10454 10455 
##     1     1     2     2     1     2     2     1     1     1     2     2     1 
## 10456 10457 10459 10460 10461 10466 10467 10469 10473 10475 10509 10512 10543 
##     3     3     2     3     1     1     3     1     3     1     1     1     1 
## 10549 10550 10552 10566 10591 10598  1060  1062 10701 10702 10703 10704 10705 
##     1     1     1     1     1     1     1     1     2     1     1     1     1 
##  1077  1088 10916 10924  1095 10956 10962 11003  1104  1109 11103 11106  1119 
##     1     1     1     1     1     1     1     1     3     2     1     1     1 
## 11203 11207 11208 11209 11210 11211 11212 11213 11215 11220 11221 11223 11225 
##     3     1     2     1     3     2     4     1     1     1     3     1     1 
## 11226 11229 11233 11235 11236 11239 11249 11354 11355 11361 11368 11373 11375 
##     1     2     1     1     1     1     1     1     1     1     1     1     1 
## 11413 11414 11415 11416 11418 11420 11421 11422 11434 11435 11510 11552 11553 
##     1     1     1     1     1     2     1     1     2     1     1     1     1 
## 11570 11590 11691 11702 11704 11710 11714 11717 11722 11735 11738 11743 11752 
##     1     1     2     1     1     1     1     2     1     1     1     1     1 
## 11757 11771 11776 11780 11783 11788 11950 11953 11967  1201 12020 12054 12078 
##     1     1     1     2     1     2     1     1     1     3     1     1     1 
## 12110 12202 12306 12477 12533 12534 12538 12546 12550 12553 12590  1267 12701 
##     1     1     1     1     1     1     1     1     2     2     2     1     1 
## 12831 12846 13045 13114 13135 13204 13206 13212 13302 13339 13350 13440 13452 
##     1     1     1     1     1     1     1     1     1     1     1     2     1 
## 13502 13603  1376 13795 14004 14006 14032 14043 14108 14150 14215 14225 14226 
##     1     1     1     1     1     1     1     2     1     1     2     1     1 
## 14301 14304  1438 14437 14468 14513 14514 14522  1453 14532 14605 14619 14620 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 14621 14622 14701  1475 15021 15091  1510 15101 15104 15108 15112 15126 15132 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 15143  1516 15204 15206 15209 15212 15213 15217 15218 15219 15221 15229 15235 
##     1     1     1     1     1     3     2     1     1     1     1     1     1 
## 15301 15311 15314 15332  1545  1560 15601  1562 15642 15673 15681 15697 15701 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 15725 15728 15747 15801 15902 15904 15905 16002 16028  1605 16053  1609  1610 
##     1     1     1     1     1     1     1     1     1     1     1     1     2 
## 16121 16130 16154 16335 16417 16502 16506 16509 16602 16635 16666 16673 16731 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 16803  1701 17011 17015 17020 17032 17046 17078 17104 17110 17111 17202  1731 
##     1     2     1     1     1     1     1     1     1     2     1     1     2 
## 17362 17403 17408  1747 17512 17519  1752 17520 17522  1756 17603 17745 17866 
##     1     1     1     1     1     1     2     1     1     1     3     1     1 
## 17872 17921 17963  1801 18017 18036 18040 18042 18049 18052 18056 18102 18103 
##     1     1     1     2     1     1     2     1     1     1     1     4     2 
## 18201 18202  1821 18210 18235  1826 18301  1832 18324 18330 18337 18343  1841 
##     2     2     1     1     1     1     4     1     2     1     1     1     2 
##  1843 18431 18436 18447 18466 18504 18505 18508  1851  1852 18603 18610 18612 
##     2     1     1     2     1     1     1     1     1     2     1     1     2 
## 18644 18657 18701 18702 18704 18706 18707  1880 18801 18901 18964 18969 18974 
##     1     1     1     2     1     1     3     1     1     3     1     1     1 
## 19003 19004 19013 19014  1902 19020 19026 19030 19040 19044  1905 19050 19053 
##     1     1     1     1     4     1     1     1     1     2     2     2     1 
## 19055 19056  1906 19061 19067  1907 19079 19081 19082 19083 19104 19111 19115 
##     1     1     1     2     1     1     1     1     4     1     1     1     1 
## 19120 19121 19124 19129  1913 19131 19132 19133 19134 19135 19136 19139 19141 
##     3     2     4     1     1     3     1     2     4     1     2     2     5 
## 19142 19143 19144 19145 19146 19147 19148 19149 19150 19151 19154  1922 19320 
##     2     2     1     2     1     3     4     1     1     2     1     1     4 
## 19352 19380 19390 19405 19460 19464 19468  1960 19601 19701 19702 19711 19720 
##     1     1     1     1     1     1     1     1     1     2     2     2     2 
## 19802 19805 19809 19901 19904 19940 19955 19956 19962 19966 19975 19977 20001 
##     1     2     1     2     4     1     1     1     1     1     1     1     2 
## 20002 20003 20005 20009 20010 20011 20017 20019 20109 20110 20115 20164 20165 
##     1     1     1     2     1     2     1     3     1     2     1     2     1 
## 20170 20175 20198  2026  2045 20601 20602 20603 20619  2062 20624 20639 20646 
##     1     1     1     1     1     1     2     1     1     2     1     1     1 
## 20662 20664 20678 20705 20706 20707 20708 20712 20720 20724 20731 20735 20736 
##     1     2     1     2     2     1     1     1     1     1     1     3     1 
## 20743 20744 20745 20746 20747 20748 20769 20770 20772 20781 20782 20785 20794 
##     2     2     1     6     3     1     1     1     5     4     1     1     1 
## 20817 20832 20850 20855 20866 20871 20874 20875 20876 20901 20903 20906 20912 
##     1     1     2     1     1     1     1     1     1     1     1     2     1 
## 21001 21012 21040 21044 21048 21060 21061 21074 21075 21090 21093 21114 21117 
##     3     1     2     4     1     2     2     1     2     1     1     1     3 
## 21133 21136 21144 21146 21157  2119 21201 21205 21206 21207 21209  2121 21211 
##     1     2     3     1     1     2     2     2     2     5     2     1     1 
## 21213 21215 21216 21217 21218 21219 21220 21221 21229 21230 21234 21244  2125 
##     1     1     2     3     1     1     1     1     1     2     2     3     3 
##  2126  2128  2129  2130 21401  2143  2145  2149  2150 21502 21532 21613 21625 
##     2     3     1     1     1     1     2     1     1     1     1     1     1 
## 21655  2169 21702 21722 21727 21740 21771 21787 21801 21804 21817 21830  2189 
##     1     1     2     1     1     3     1     1     2     1     1     1     1 
## 21921 22025 22031 22033 22041 22042 22172 22182 22191 22201 22206 22304 22310 
##     3     1     1     1     1     1     1     1     1     1     2     1     1 
## 22312 22314 22401 22407 22554 22630 22645 22701 22827 22851 22947 22973 22980 
##     1     1     1     1     1     3     1     1     1     1     1     1     1 
##  2301  2302 23030 23059 23061 23085 23111 23141 23150 23168  2322 23220 23222 
##     1     1     1     1     1     1     1     1     2     1     1     1     1 
## 23223 23224 23234 23235  2324 23294 23320 23322 23417 23421 23430 23434 23435 
##     1     1     1     1     2     1     1     2     1     1     2     1     1 
## 23451 23453 23454 23455 23456  2346 23462  2347 23502 23503 23509 23511 23513 
##     1     2     5     1     1     2     3     1     1     3     1     1     1 
## 23518  2360 23601 23606 23607 23608 23666 23669  2368 23692 23701 23703 23832 
##     1     2     2     2     1     1     2     1     2     1     1     1     1 
## 23837 23860 23936 23944 23970 24016 24017 24018 24019 24060 24066 24073 24095 
##     1     3     1     1     1     1     1     1     1     1     1     1     2 
## 24112 24179 24263 24279 24301 24333 24361 24422 24426 24437 24502 24541 24605 
##     1     1     1     1     1     1     1     1     2     1     2     1     2 
## 24622 24630 24701  2472 24740 24954 25143 25174 25260 25271 25286 25306 25314 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
##  2538 25387 25403  2541 25419 25425 25438 25521 25526 25601 25676 25703 25705 
##     1     2     1     1     1     1     1     1     1     1     1     1     1 
##  2575 25802 25904 25921 26003 26062 26105 26201 26205  2631 26354 26415 26426 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 26431  2646 26542 26554 26559 26570  2659  2660  2667 26833 27017 27021 27023 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 27025 27028  2703 27040 27043 27045 27046 27055 27101 27103 27104 27107  2720 
##     1     1     2     1     2     1     1     1     4     1     1     1     2 
## 27203 27214 27217 27239 27253 27265 27288 27292 27302 27316 27332 27349  2738 
##     1     1     1     1     1     1     1     3     3     1     2     1     1 
##  2740 27401 27404 27406 27407 27409 27416  2743  2745 27502 27510 27511 27513 
##     1     2     1     1     2     1     1     1     1     1     1     1     2 
## 27521 27525 27529 27530 27534 27537 27540 27542 27549 27560 27576 27577 27587 
##     1     1     1     1     2     1     1     1     1     1     1     1     1 
## 27589 27597  2760 27601 27604 27608 27609 27610 27612 27614 27615 27616  2762 
##     2     1     1     1     2     1     1     3     1     1     2     1     1 
##  2770 27703 27704 27705 27707  2777  2780 27801 27809 27821 27834 27851 27852 
##     1     2     1     1     2     1     1     2     1     1     2     1     1 
## 27858 27863 27870 27882 27886 27890 27891 27895 27909 27919 27925 27970 27980 
##     1     1     2     1     1     1     1     1     1     1     1     1     1 
## 28001 28002 28025 28031 28039 28043 28053 28054 28079  2808 28081 28086 28115 
##     1     2     2     1     1     1     1     3     1     2     1     1     1 
## 28120 28134 28135 28138 28144 28152 28160 28173 28203 28205 28208 28210 28211 
##     1     1     1     1     2     1     1     1     1     1     3     2     1 
## 28212 28213 28215 28216 28217 28226 28227 28262 28269  2827 28273 28304 28306 
##     2     2     2     2     1     2     3     1     3     1     1     1     1 
## 28307 28311 28314 28326 28334 28348 28357 28376 28377  2840 28403 28405 28412 
##     1     2     1     1     1     1     1     2     1     2     1     1     1 
## 28420 28429 28435 28463 28465 28469 28501 28504 28513 28540 28546 28557 28560 
##     1     1     1     1     1     1     2     1     2     1     1     1     2 
## 28562 28590 28602 28609 28613 28625 28644 28655 28659 28704 28711 28714 28716 
##     1     1     2     1     1     2     1     2     1     2     1     1     1 
## 28734 28752 28753 28768  2878 28787 28806  2889  2891  2893  2895  2903  2904 
##     2     1     1     1     1     2     1     1     1     2     1     1     1 
## 29047 29053 29063 29073  2908 29080  2909  2910 29102  2911 29115 29129  2914 
##     1     1     1     2     1     2     1     1     1     1     1     1     2 
## 29152 29153  2916  2919  2920 29212 29223 29229 29316 29341 29349 29403 29405 
##     1     2     1     4     2     1     2     2     1     1     1     1     1 
## 29406 29410 29412 29420 29445 29461 29477 29483 29485 29488 29511 29526 29532 
##     1     1     1     1     2     1     1     2     2     1     1     1     2 
## 29555 29560 29571 29577 29581 29607 29609 29615 29617 29625 29641 29650 29670 
##     1     1     1     1     1     1     1     2     1     1     1     2     1 
## 29681 29684 29690 29707 29730 29732 29801 29812 29841 29842 29902 29907 29910 
##     2     1     1     1     1     1     1     2     1     1     1     1     1 
## 29918 29926 29940 30009 30012 30013 30014 30016 30017 30019 30021 30024 30030 
##     1     1     1     2     1     1     1     3     1     3     1     2     2 
## 30032 30033 30034 30035 30038 30039 30041 30043 30044 30045 30047 30052 30058 
##     1     1     2     2     4     3     1     1     2     2     1     1     3 
## 30060 30061 30062 30064 30067 30071 30078 30080 30082 30084 30087 30088 30092 
##     3     1     1     2     1     1     2     1     1     1     1     5     1 
## 30093 30094 30096 30097 30101 30106 30107 30114 30115 30121 30122 30123 30127 
##     4     1     3     1     1     1     1     1     1     1     1     1     2 
## 30134 30135 30141 30144 30152 30165 30168 30172 30179 30180 30188 30213 30214 
##     2     1     3     1     1     1     1     1     1     4     1     2     1 
## 30224 30228 30230 30233 30236 30240 30241 30248 30252 30260 30263 30265 30269 
##     1     5     1     1     1     1     1     2     2     1     2     3     3 
## 30273 30274 30281 30286 30288 30291 30294 30296 30308 30310 30311 30313 30314 
##     2     3     3     1     2     1     4     2     1     2     1     1     1 
## 30315 30316 30318 30324 30331 30337 30342 30344 30345 30349 30350 30354  3038 
##     4     1     1     1     5     1     2     2     1     1     1     2     1 
## 30411  3042 30434 30442 30457 30467 30474 30501 30513 30519 30525 30528 30529 
##     1     1     1     1     1     1     2     2     1     1     1     1     1 
##  3053 30531 30534  3054 30542 30549  3060 30607 30622  3064 30642 30650 30680 
##     1     1     2     1     2     2     2     1     1     1     1     1     2 
## 30721 30736 30752 30753 30756  3076  3079 30809 30813 30815 30817 30830 30905 
##     1     1     1     1     1     1     1     2     4     1     2     1     2 
## 30906 30909 30917 31005 31021 31023 31027 31031 31032  3104 31061 31072  3109 
##     3     2     1     3     2     2     1     1     1     1     2     1     1 
## 31092 31107 31146 31204 31206 31217 31303 31308 31322 31323 31405 31408 31412 
##     1     1     1     1     1     1     1     1     1     1     2     1     1 
## 31501 31525 31542 31546 31548 31549 31566 31602 31605 31634 31701 31704 31705 
##     1     1     1     1     2     1     1     1     2     1     1     1     1 
## 31707 31750 31768 31775 31792 31794 31806 31826 31831 31903 31907 31909 32008 
##     1     1     1     1     1     2     1     1     1     2     3     1     1 
## 32011 32043 32055 32058 32060 32062 32065 32066 32073 32080 32084 32086 32114 
##     1     2     1     1     1     2     2     1     2     1     1     1     1 
## 32117 32141 32145 32159 32174 32176 32177 32206 32208 32209 32210 32218 32219 
##     1     1     1     1     2     1     1     1     1     2     2     1     1 
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##     1     3     1     1     1     1     3     1     1     1     1     1     2 
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##     1     1     1     1     1     1     2     1     1     1     1     1     1 
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##     1     1     1     1     1     1     2     1     1     2     1     1     1 
## 32703 32708 32713 32714 32720 32725 32726 32732 32738 32752 32765 32771 32773 
##     2     1     1     1     1     1     2     1     1     1     1     2     2 
## 32779 32780 32784 32789 32792 32798 32808 32809 32810 32811 32818 32821 32822 
##     1     2     1     1     1     1     4     1     2     3     2     1     3 
## 32824 32825 32826 32828 32835 32837 32839 32904 32905 32907 32908 32909 32922 
##     4     3     1     2     3     1     3     2     2     2     1     2     1 
## 32935 32937 32952 32955 32956 32962 32966 32967 33009 33010 33012 33013 33014 
##     1     1     1     2     1     1     1     2     2     2     4     1     1 
## 33015 33016 33018 33020 33023 33024 33025 33027 33028 33029 33030 33031 33032 
##     3     2     1     1     2     4     2     1     1     1     1     1     1 
## 33033 33054 33055 33056 33060 33065 33068 33069 33071 33073 33076 33092 33125 
##     2     5     4     1     1     2     1     2     1     1     1     1     1 
## 33126 33130 33131 33133 33134 33135 33138 33140 33141 33142 33144 33145 33147 
##     3     2     2     3     2     1     2     1     1     1     1     3     1 
## 33154 33155 33157 33161 33165 33168 33169 33170 33172 33173 33175 33176 33177 
##     1     1     1     3     3     2     2     1     1     3     3     1     1 
## 33179 33181 33182 33183 33184 33185 33186 33189 33265 33269 33308 33311 33312 
##     1     2     1     2     2     1     2     3     1     1     2     3     2 
## 33313 33314 33322 33324 33331 33351 33401 33403 33404 33407 33409 33411 33413 
##     5     1     1     3     1     1     2     1     1     1     2     3     1 
## 33414 33415 33417 33418 33431 33433 33435 33436 33437 33442 33444 33445 33455 
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## 33542 33543 33558 33559 33563 33565 33566 33570 33572 33576 33578 33584 33594 
##     1     1     3     1     1     1     1     2     1     1     1     1     4 
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##     1     1     2     1     1     1     1     1     1     1     2     1     1 
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##     1     1     1     2     1     1     1     1     1     1     1     2     1 
## 33952 33954 33990 33991 34104 34113 34114 34116 34205 34208 34210 34221 34222 
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## 34234 34235 34238 34239 34242 34281 34285 34287 34288 34291 34292 34432 34465 
##     2     1     1     1     1     1     1     1     1     1     1     1     1 
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##     1     1     3     1     2     1     1     1     1     1     1     2     1 
## 34677 34685 34691 34711 34731 34741 34743 34744 34746 34748 34749 34769 34772 
##     1     1     1     1     1     2     3     1     1     1     1     1     1 
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##     1     1     2     1     2     1     1     1     1     1     1     1     1 
## 35049 35051 35055 35057 35060 35064 35083 35094 35115 35116 35117 35124 35150 
##     1     1     1     2     1     2     1     1     2     1     1     1     2 
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##     1     2     1     1     1     1     1     1     1     3     1     4     2 
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##     1     1     1     1     1     1     1     1     2     1     1     1     3 
## 36116 36117 36203 36206 36253 36301 36303 36310 36311 36330 36360 36375 36426 
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##     1     2     1     1     1     2     1     2     1     2     4     2     2 
## 37122 37129 37153 37167 37183 37184 37186 37191 37204 37207 37208 37209 37211 
##     3     1     1     1     1     1     1     1     1     1     1     1     4 
## 37214 37218 37221 37311 37312 37323 37341 37343 37355 37363 37379 37385 37397 
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## 37405 37415 37421 37617 37620 37642 37643 37650 37714 37716 37737 37745  3777 
##     1     1     1     1     1     2     1     1     1     2     1     1     1 
## 37777 37811 37831 37861 37864 37874 37876 37877 37917 37930 37931 38002 38016 
##     1     1     1     1     1     1     1     1     1     1     1     1     2 
## 38018 38024 38053 38057 38069 38108 38109 38111 38112 38115 38118 38120 38125 
##     1     1     1     1     1     1     3     1     1     2     1     1     1 
## 38127 38128 38135 38139 38183 38253 38305 38340  3842 38478  3849 38506 38571 
##     1     2     3     1     1     1     4     2     1     1     1     1     1 
## 38579 38583 38611 38637 38654 38655 38668 38671 38672 38701 38801 38821 38834 
##     1     1     1     2     1     1     1     2     2     1     1     1     2 
## 38849 38865 38870 38930 38965  3901 39041 39044 39045 39046 39051 39056 39059 
##     1     1     1     2     1     1     1     1     1     2     1     2     2 
##  3908 39110 39114 39120 39145 39146 39157 39191 39194 39202 39206 39208 39209 
##     1     1     2     2     1     1     1     1     1     1     2     2     1 
## 39212 39213 39272 39301 39305 39328 39335 39348 39350 39443 39455 39466 39474 
##     3     1     2     1     1     1     1     1     1     1     1     1     1 
## 39520 39532 39561 39562 39565 39567 39571 39576 39577 39701 39705 39842  4001 
##     1     2     1     1     1     1     1     1     1     1     2     1     1 
## 40011 40031 40175 40203 40207 40211 40212 40214 40216 40218 40219 40220 40223 
##     1     1     1     1     1     2     1     1     1     1     1     1     1 
## 40272 40291 40324 40342 40353 40356  4038 40422  4043 40475 40515 40555 40601 
##     2     1     1     1     1     1     1     1     1     2     1     1     1 
##  4064 40701 40769  4087 41008 41011 41017  4103 41031 41035 41071 41073 41095 
##     1     1     1     1     1     1     1     2     1     1     1     1     1 
## 41219 41240 41255 41666 41702 41819 42053 42101 42103 42133 42223 42240 42276 
##     1     1     1     1     1     1     1     2     1     1     2     1     1 
## 42301 42347 42378  4240 42420 42431 42445 42539  4260  4268 42701 42721  4274 
##     1     1     1     1     3     1     1     1     1     1     1     2     1 
## 42748 43004 43014 43015 43016 43026 43031 43050 43054 43055 43056 43068 43081 
##     1     3     1     2     1     2     1     1     1     1     1     1     2 
## 43103 43110 43123 43125 43147 43160 43201 43203 43204 43206 43207 43211 43219 
##     1     2     1     1     2     1     1     2     4     1     1     1     2 
## 43223 43224 43228 43229 43231 43232 43235 43240 43302 43334 43351 43357 43402 
##     1     3     5     3     2     4     3     3     1     1     1     1     2 
## 43412 43440 43452  4346 43537 43551 43605 43606 43614 43616 43701 43758 43762 
##     1     1     1     1     1     1     2     2     2     2     2     1     1 
## 43764 43845 43938 43953 43983 44004 44035 44039 44047 44052 44087 44095 44099 
##     2     1     1     1     1     1     5     1     2     1     1     2     1 
## 44103 44104 44107 44110 44111 44117 44118  4412 44121 44123 44125 44128 44129 
##     1     3     1     1     1     1     2     1     3     3     3     1     2 
## 44132 44134 44136 44137 44142 44146 44203 44210 44217 44221 44223 44231 44236 
##     1     3     1     4     1     1     1     1     1     1     1     1     1 
## 44240 44241 44256 44266 44272 44301 44305 44307 44310 44312 44313 44314 44319 
##     1     1     1     2     1     1     2     1     1     1     1     2     1 
## 44321 44402 44410 44436 44437 44446 44460 44481 44509 44511 44512 44601 44615 
##     1     1     1     1     1     1     1     1     1     1     2     1     1 
## 44643 44644 44646 44662 44685 44703 44706 44708 44710 44721 44807 44818 44820 
##     1     1     1     1     1     1     2     1     1     1     1     1     1 
## 44830 44833 44857 44870 44883 44890 45002 45005 45011 45014 45036 45044 45066 
##     1     1     1     4     1     1     1     1     1     2     2     2     1 
## 45107 45122 45150 45157 45159 45169 45205 45206 45211 45213 45224 45225 45229 
##     1     1     2     1     1     1     1     1     5     1     1     1     2 
## 45231 45237 45238 45240 45247 45248 45251 45255 45302 45322 45324 45342 45344 
##     3     1     1     1     1     1     2     1     1     2     1     1     2 
## 45356 45365 45377 45380 45414 45419 45431 45619 45656 45657 45669 45769 45801 
##     1     1     1     1     1     1     1     2     1     1     1     1     1 
## 45840 45887 46011 46016 46036 46052 46055 46060 46112 46113 46115 46118 46123 
##     2     1     1     1     1     1     1     2     2     1     1     1     2 
## 46135 46140 46143 46201 46203 46205 46216 46218 46219 46221 46222 46224 46225 
##     2     1     1     3     1     2     1     1     3     1     2     1     1 
## 46226 46227 46229 46234 46235 46241 46244 46254 46268 46307 46310 46321 46323 
##     4     1     5     1     3     1     1     1     1     1     1     1     1 
## 46324 46327 46341 46368 46385 46392 46405 46407 46410 46538 46544 46550 46555 
##     1     2     1     1     1     1     1     1     4     1     1     1     1 
## 46565 46615 46616 46619 46703 46755 46774 46783 46806 46819 46825 46835 46936 
##     1     1     1     1     1     2     1     1     1     2     1     1     1 
## 46939 46952 47025 47102 47265 47302 47305  4736 47374 47383 47384 47403 47501 
##     1     1     1     1     1     1     1     1     2     1     1     1     2 
## 47630 47711 47712 47713 47802 47805 47807 47834 47842 47905 47909 47921 47970 
##     1     1     1     1     1     1     1     1     1     2     1     1     1 
## 48001 48002 48021 48034 48036 48051 48060 48066 48067 48071 48075 48088 48089 
##     1     1     2     1     3     1     3     5     1     4     1     1     1 
## 48091 48092 48093 48094 48098 48101 48111 48116 48124 48126 48127 48128 48134 
##     3     2     1     2     1     1     3     1     2     1     1     1     1 
## 48146 48152 48154 48159 48161 48169 48173 48174 48178 48180 48183 48185 48187 
##     1     1     1     1     1     2     1     5     1     6     2     2     2 
## 48188 48192 48197 48203 48205 48206 48207 48210 48213 48214 48215 48219 48220 
##     1     1     2     3     4     1     1     1     1     2     1     5     1 
## 48221 48227 48228 48229 48234 48235 48237 48238 48239 48315 48321 48327 48328 
##     2     1     3     1     1     3     1     1     2     1     1     1     2 
## 48336 48341 48356 48357 48371 48377 48381 48386 48393 48415 48420 48430 48433 
##     1     3     1     1     1     2     1     1     1     1     1     3     1 
## 48439 48442 48458 48506 48507 48601 48661 48757 48813 48818 48823 48827 48831 
##     1     1     1     1     2     1     1     1     1     1     1     1     1 
## 48854 48858 48860 48867 48876 48906 48911 48917 49007 49009  4901 49010 49014 
##     1     1     1     1     1     3     1     1     1     2     2     2     1 
## 49015 49019 49022 49024 49036 49047 49064 49082 49093 49117  4915 49201 49252 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 49286 49321 49337 49345 49412 49421 49437 49442 49503 49504 49505 49507 49512 
##     1     2     1     1     1     1     1     1     1     1     3     1     1 
## 49519 49660 49722 49770 49931 50009 50010 50021 50035 50036 50064 50111 50131 
##     2     1     1     1     1     1     1     1     1     1     1     1     1 
## 50158 50169 50208 50219 50233 50305 50313 50315 50320 50321  5038 50595 50643 
##     1     1     2     1     1     1     1     2     2     1     1     1     1 
## 50701 51031 51442 51501 51534 51632 52144 52240 52241 52254 52317 52328 52402 
##     1     1     1     2     1     1     1     1     1     1     1     1     1 
## 52404 52405 52501 52585 52601 52632 52730 52732 52760 52804 53094 53126 53172 
##     1     2     1     1     1     1     1     1     1     1     1     1     1 
## 53214 53406 53704 53705 54001 54304 54482  5452 54615  5473 54936 54980 55021 
##     1     1     1     1     1     1     1     2     1     1     1     1     5 
## 55040 55051 55057 55075 55082 55103 55104 55106 55110 55112 55113 55117 55119 
##     1     1     1     1     1     1     1     1     1     2     1     1     1 
## 55123 55124 55125 55301 55303 55304 55306 55318 55337 55343 55346 55364 55374 
##     2     2     1     1     1     1     1     1     1     1     1     1     1 
## 55391 55404 55405 55407 55411 55419 55421 55423 55432 55433 55435 55438 55446 
##     1     2     1     1     1     1     2     1     1     2     1     1     1 
## 55901 55912 55987 56001 56003 56069 56114 56277 56303 56308 56362 56363 56474 
##     1     2     1     1     1     1     1     1     1     1     2     1     1 
## 56482 56484 56544 56548 56601 57025 57108 57212 57225 57301 57451 57702 57790 
##     1     1     1     1     1     1     1     1     1     1     1     2     1 
## 58049 58072 58102 58230 58401 58540 58701 58703 58763 58771 58801 59101 59102 
##     1     1     1     1     1     1     1     2     1     1     1     1     1 
## 59105 59255 59330 59457 59601 59701 59860 60002 60007 60013 60014 60016  6002 
##     1     1     1     1     1     2     1     2     2     1     2     1     1 
## 60031 60033 60040 60056 60061 60064 60068 60070 60073 60074 60077 60085 60087 
##     1     1     1     1     1     1     1     1     4     1     1     1     2 
## 60098 60099  6010 60103 60104 60106 60108 60115 60120 60121 60123 60134 60143 
##     1     2     1     1     2     3     2     1     1     1     3     1     2 
## 60148 60152 60154 60160 60164 60173 60174 60175 60181 60187 60189 60193  6040 
##     1     1     1     1     1     1     1     1     1     1     1     1     3 
## 60402 60406 60409 60411 60415 60419 60425 60426 60428 60429 60430 60432 60435 
##     3     1     3     5     1     3     2     1     3     2     2     2     2 
## 60439 60440 60441 60442 60446 60450 60452 60453 60456 60458 60461 60466 60471 
##     1     4     1     1     3     2     1     1     1     1     1     3     2 
## 60473 60478 60482 60514 60515 60516 60517 60525  6053 60532 60542 60543 60544 
##     1     1     1     1     1     2     1     1     1     1     1     1     1 
## 60545 60560 60564 60565 60586 60606 60608 60609 60611 60612 60613 60614 60615 
##     1     1     1     1     2     1     1     1     1     2     1     1     2 
## 60616 60617 60618 60619  6062 60620 60621 60623 60624 60625 60628 60629 60630 
##     1     3     2     5     2     2     2     3     3     2     4     2     3 
## 60631 60633 60636 60637 60638 60639 60643 60644 60647 60649 60652 60653 60656 
##     1     1     1     1     1     2     2     4     2     3     2     1     1 
## 60657 60659  6066  6071  6074 60804 60936  6095 60950 61021 61032  6105  6106 
##     1     1     1     1     4     3     1     1     1     1     2     1     1 
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##     2     1     1     1     1     2     1     2     2     1     1     1     1 
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##     1     1     1     1     2     1     2     1     1     1     1     1     1 
## 61832 61866 61883 61914 61920 61938 62040 62050 62053 62090 62208 62226 62233 
##     2     1     1     1     1     2     1     1     1     1     1     1     1 
## 62249 62258  6226 62269 62277 62285 62301 62324 62450 62512 62521 62526 62568 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
##  6259  6260 62615 62664 62702 62703 62837 62870 62910 62948 62952 62964 62966 
##     1     1     1     1     1     1     1     1     1     2     1     1     1 
## 63010 63020 63023 63026 63031 63033 63034 63042 63050 63051 63052 63104 63106 
##     1     1     1     1     3     3     1     1     1     3     2     2     1 
## 63107 63109 63113 63114 63116 63118 63120 63130 63133 63134 63135 63136 63137 
##     2     1     1     1     1     2     1     2     2     1     1     1     1 
## 63301  6331 63334 63366 63367 63368 63376 63379 63385  6340 63456  6360 63638 
##     1     1     1     4     1     2     3     1     2     1     1     1     1 
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##     2     1     1     1     1     1     1     1     1     1     2     1     1 
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##     1     1     1     1     1     2     1     1     1     1     1     1     1 
## 64133 64134 64138  6415  6416 64195  6424 64481 64492  6450  6457   646  6460 
##     1     2     3     1     1     1     1     1     1     1     1     1     1 
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##     1     1     1     1     1     3     1     1     1     1     1     1     1 
## 65084 65109  6511  6513  6514 65201 65203 65205 65270 65401 65560 65616 65631 
##     1     3     1     2     2     1     2     2     1     1     1     1     1 
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##     1     1     1     1     1     1     1     1     1     2     1     2     3 
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##     2     1     2     1     2     1     2     1     2     1     1     1     1 
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##     1     2     1     2     1     1     1     1     1     2     1     1     1 
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##     3     1     1     2     1     1     1     1     1     1     1     1     1 
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##     1     1     1     1     1     1     1     1     2     1     3     2     2 
## 68134 68137 68138 68144 68164  6830 68310 68355 68443 68502 68504 68506 68508 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
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##     2     1     1     2     1     1     2     3     1     1     1     1     1 
## 68902 68950  6902 69034  6905   693   698 70001  7002  7003 70049  7005 70058 
##     1     1     3     1     2     2     1     1     3     1     1     1     5 
## 70059 70064 70065 70071 70072  7008  7011 70113 70115 70117 70118 70122 70125 
##     1     1     3     1     1     1     3     1     1     1     2     3     1 
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##     2     1     2     2     1     1     1     3     1     1     1     1     1 
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##     2     1     1     2     1     1     1     2     2     1     3     1     1 
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##     1     1     1     1     1     1     1     1     1     1     1     1     2 
##  7063  7065  7066 70663  7071 70714 70726 70734 70757 70769 70778 70791 70802 
##     1     3     1     1     1     1     3     2     1     1     1     1     2 
## 70806 70810 70811 70812 70815 70817 70820  7083  7087  7093  7095  7103 71037 
##     1     2     1     2     1     1     1     2     3     1     1     2     1 
##  7104 71047  7105 71052 71055  7106 71067  7107  7108  7109  7110 71105 71109 
##     1     1     1     1     1     4     1     1     1     1     1     2     1 
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##     2     2     1     2     1     1     1     1     1     1     2     1     1 
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##     1     1     2     1     1     1     1     1     1     1     1     1     1 
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##     1     1     1     1     2     3     1     1     1     1     1     1     1 
## 72034 72044 72045  7206 72061 72104 72117 72120 72204 72206 72211 72212 72214 
##     1     1     1     1     1     1     1     1     1     4     1     1     1 
## 72223 72301 72315 72390 72401   725 72501 72632 72675 72701 72702 72704 72712 
##     1     1     2     1     2     2     1     1     1     1     1     2     1 
## 72730 72740 72762 72765 72901 72904 72936 72946 73003 73008 73013 73030  7304 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 73044 73047  7305  7306  7307 73071 73072 73099   731 73106 73109 73110 73112 
##     1     1     5     1     2     1     1     1     1     1     2     1     1 
## 73114 73127 73132 73135 73139 73142 73448 73460 73505 73565 73801 74008 74014 
##     2     2     1     2     1     1     1     1     2     1     1     2     2 
## 74021 74033 74037 74063 74101 74104 74106 74108 74114 74128 74133 74145  7419 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 74361 74437 74501 74525 74601  7470  7480 74801 74804  7481 74883 74953 75001 
##     1     1     1     1     2     1     1     1     1     1     1     2     1 
## 75006 75007 75019 75020 75022 75023 75025 75028 75035  7504 75040 75041 75042 
##     1     3     1     1     2     1     1     1     1     1     4     2     1 
## 75043 75044 75048 75050 75052 75056 75061 75062 75063 75068 75071 75075  7508 
##     3     1     3     1     4     2     2     1     1     2     1     1     3 
## 75089 75090 75104 75110 75114 75115 75134 75142 75147 75149 75150 75154 75165 
##     2     1     1     2     1     3     1     1     1     2     4     2     1 
## 75166 75181 75189 75201 75211 75216 75217  7522 75227 75228 75231 75235 75237 
##     1     1     2     1     2     4     1     1     2     5     1     2     1 
##  7524 75243 75254 75401 75402 75404 75407 75460 75462 75476 75559 75571 75601 
##     1     2     1     1     1     1     2     1     1     1     1     1     1 
## 75647 75652 75672 75693 75703 75751 75801 75803 75831 75933 75943 75951 75964 
##     3     1     1     1     1     2     1     1     1     1     1     3     1 
## 75975 76001 76002 76011 76016 76017 76018 76021 76028  7603 76035 76036 76039 
##     1     1     3     1     1     2     1     2     2     1     1     2     1 
## 76040 76052 76054 76059 76063 76082 76097 76103 76105 76106 76108 76109 76111 
##     1     1     1     1     3     1     2     1     2     1     1     1     2 
## 76112 76115 76116 76119 76123 76131 76133 76137 76140 76148 76155 76179 76180 
##     3     1     1     1     4     1     3     2     2     1     1     1     1 
## 76201 76205 76226 76227 76230 76233 76240 76244 76249 76255 76262 76266 76268 
##     1     1     1     1     1     1     1     2     1     1     2     3     1 
##  7628  7631  7643  7644 76446 76490 76501 76502 76504 76522 76542 76543 76548 
##     1     2     1     1     1     1     1     1     1     2     2     2     1 
## 76549 76571  7660  7663 76636 76641  7666 76704 76705 76708 76710 76711 76801 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 77004 77007 77009 77013 77014 77015 77016 77017 77018 77020 77021 77022 77024 
##     1     1     2     1     1     2     1     1     1     1     5     2     1 
## 77026 77031 77034 77036 77039 77042 77045 77048 77049 77053 77055 77058 77064 
##     2     1     2     1     1     3     3     1     1     2     3     2     2 
## 77066 77068 77070 77073 77077 77080 77081 77082 77083 77084 77088 77090 77095 
##     1     2     1     3     1     2     2     2     6     6     3     2     1 
## 77096 77098   771  7712 77221  7726 77262  7728 77302 77303  7731 77327 77338 
##     1     2     1     2     1     1     1     1     1     1     1     2     3 
##  7734 77346 77362 77365 77372 77373 77375 77379 77380 77384 77386 77388 77389 
##     1     1     1     1     1     3     1     1     1     1     2     1     1 
## 77396 77407 77417 77429 77433 77437 77447 77449 77450 77459 77469  7747 77471 
##     2     1     1     1     2     1     2     3     1     1     2     1     1 
## 77477 77479 77489 77493 77505 77506 77514 77518 77520 77521 77535 77546 77550 
##     2     2     2     2     2     1     1     2     2     3     1     1     1 
## 77562 77565 77568 77571 77573 77575 77584 77586 77587 77590 77591 77617 77642 
##     1     1     1     1     1     1     1     1     1     2     2     1     1 
## 77657 77662 77703 77706 77801 77802 77803 77836 77840 77864 77903 77904 77983 
##     1     1     2     1     1     1     1     1     1     1     1     1     1 
## 78006 78015 78028 78040 78041 78043 78045 78046 78102 78113 78119 78121 78130 
##     1     1     2     2     1     2     1     1     1     1     1     1     1 
## 78132 78133 78148 78154 78155 78201 78203 78212 78213 78216 78217 78218 78219 
##     1     1     1     1     1     1     1     1     1     1     1     2     1 
## 78220 78221 78222 78223 78224 78227 78232 78237 78240 78242 78244 78245 78249 
##     4     2     1     3     2     2     2     1     2     1     2     2     2 
## 78250 78251 78252 78258 78259 78260 78266 78362 78374 78376 78380 78382  7840 
##     1     2     1     1     2     1     1     1     1     1     3     1     1 
## 78403 78410 78415 78467  7850 78501 78503 78516 78520 78521 78526  7853 78542 
##     1     1     1     1     1     3     1     1     1     1     2     1     1 
## 78566 78574 78582 78596 78612 78613 78620 78624 78626 78634 78648 78660 78666 
##     2     2     1     1     1     2     1     1     2     2     1     3     1 
## 78683 78702 78725 78726 78728 78734 78741 78744 78745 78750 78752 78753 78754 
##     1     1     1     1     1     1     1     1     2     1     1     1     1 
## 78758 78760 78801 78834 78850 78879 78949 78957 79022 79109 79116  7936 79373 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
##   794 79403 79411 79414 79424   795 79510 79549 79605 79705 79706 79720 79755 
##     1     2     1     1     1     1     1     2     1     1     2     3     1 
## 79756 79761 79762 79763  7980 79903 79904 79905 79912 79915 79924 79928 79930 
##     1     2     1     2     1     1     1     1     2     2     1     1     1 
## 79936 79938 80003 80004 80005 80006 80011 80012 80013 80015 80017 80018  8002 
##     2     1     1     3     1     1     1     1     2     3     2     1     3 
## 80020 80022 80031  8005 80105 80111 80113 80118  8012 80120 80126 80127 80130 
##     2     1     1     3     1     1     2     1     1     1     1     1     1 
## 80132 80134 80138  8015 80161 80203  8021 80211 80215 80219 80221 80222 80224 
##     1     1     1     2     1     2     2     1     1     4     1     1     1 
## 80228 80229 80232 80233 80237 80239 80241 80249 80260  8027  8030 80305  8037 
##     1     2     1     1     1     2     1     1     1     1     1     1     1 
##  8043 80435 80497 80498 80521 80525 80526 80528  8053 80534  8054 80542 80550 
##     1     1     1     1     1     2     1     1     2     1     1     1     1 
## 80601 80602 80610 80621 80634  8065  8068  8070 80720 80807  8081 80817 80831 
##     2     1     1     1     1     1     1     1     1     1     1     1     1 
##  8085  8087  8088 80905 80906 80909 80910 80916 80918 80920  8094 81001 81004 
##     1     1     1     1     2     1     2     1     1     1     2     1     1 
## 81005  8103  8104  8110 81149 81211 81215 81303 81321 81334 81401 81503 81505 
##     1     1     1     2     1     1     1     1     1     1     1     1     1 
## 81520  8201  8204  8205  8223 82240  8226 82501 82601 82644 82718 82901 82935 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
##  8302  8318 83221 83263  8330 83318  8332 83338 83340 83442  8360  8361 83646 
##     3     1     3     1     2     1     1     1     1     1     3     2     1 
## 83651 83686 83705 83706 83833 83835 83854  8401 84010 84020 84032 84037 84041 
##     1     1     3     1     1     1     1     1     1     1     1     2     1 
## 84043 84044 84065 84068 84070 84074 84075 84084   841 84104 84115 84118 84119 
##     1     1     1     1     1     2     1     1     1     1     1     1     1 
## 84128 84341 84403 84405 84510 84532 84653 84770 84780 85021 85022 85027 85032 
##     1     1     2     2     1     1     1     1     1     3     2     1     1 
## 85033 85034 85035 85037 85041 85043 85051 85071 85086   851 85119 85120 85122 
##     2     1     2     1     2     1     1     1     2     1     1     1     4 
## 85139  8514 85140 85142  8518 85194  8520 85201 85202 85205 85207 85208 85209 
##     1     1     1     3     1     1     3     4     2     1     1     2     1 
## 85213 85224 85225 85233 85251 85255 85256 85257 85268  8527 85283 85286 85295 
##     1     2     1     1     1     1     1     1     1     3     1     2     1 
## 85296 85302 85307 85308 85323 85326  8533 85339 85340 85353 85354  8536 85363 
##     1     1     1     1     2     2     1     2     1     1     1     1     1 
## 85364 85365 85378 85379 85381 85383 85388 85392  8553 85543 85602 85614 85635 
##     1     2     1     1     1     1     1     4     1     1     1     1     1 
## 85643 85645 85653 85705 85708 85710 85718 85719 85730 85737 85742 85746 85749 
##     1     1     1     2     1     2     2     1     3     1     1     1     1 
## 85757 85926 86001 86033 86047  8609  8610  8618  8629 86301 86314  8638 86409 
##     1     1     1     2     2     1     1     1     1     1     3     1     1 
##  8648 87002 87031 87103 87104 87107 87111 87112 87114 87120 87121 87123 87124 
##     3     1     1     1     1     1     1     1     1     1     4     1     1 
## 87193  8722 87319 87402 87413 87420 87421  8753  8759 87718 88001 88005 88011 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 88063 88081 88101  8816  8817  8820 88203 88220  8824 88240 88241 88337 88415 
##     1     1     1     1     1     1     1     1     1     1     1     1     2 
##  8844  8857  8861  8865  8876 89002  8901 89011 89012 89015 89029 89030 89031 
##     1     1     1     1     1     1     1     1     3     2     1     1     1 
## 89032 89040 89061 89074 89084 89101 89102 89103 89106 89107 89108 89110 89113 
##     2     1     1     2     1     1     1     4     2     3     3     3     1 
## 89115 89117 89119 89120 89121 89123 89128 89129 89130 89131 89135 89139 89142 
##     2     3     1     1     3     3     1     1     1     1     2     1     2 
## 89145 89146 89147 89148 89149 89178 89183 89408 89410 89415 89502 89506 89521 
##     1     3     3     1     1     2     1     2     1     1     1     1     1 
## 89523 89822 90002 90003 90004 90005 90007 90008 90014 90016 90017 90019 90022 
##     1     1     3     1     1     1     1     1     1     1     1     1     3 
## 90025 90026 90027 90031 90032 90033 90034 90037 90038 90040 90041 90043 90044 
##     1     1     1     1     2     1     2     4     1     1     1     2     2 
## 90047 90059 90062 90066 90069 90220 90222 90241 90245 90250 90255 90260 90262 
##     2     2     2     1     3     3     1     1     1     4     1     1     2 
## 90267 90280 90301 90302 90303 90304 90305  9046 90605 90606 90620 90621 90638 
##     1     2     1     3     2     1     1     1     2     1     2     1     1 
## 90640 90650 90706 90712 90715 90720 90723 90731 90745 90802 90803 90805 90807 
##     1     4     4     2     1     1     2     2     1     2     1     3     1 
## 90808 90810 90813 90814 90815 91007 91010 91021 91103 91107 91206 91209 91301 
##     1     2     2     2     1     1     1     1     2     1     1     1     1 
## 91306 91311 91316 91331 91335 91342 91351 91354 91360 91361 91367 91387 91390 
##     1     1     1     1     3     1     3     1     1     1     1     2     1 
## 91396 91401 91405 91406 91505 91506 91601 91605 91606   917 91701 91702 91723 
##     1     1     4     2     1     1     2     2     2     1     2     1     1 
## 91730 91732 91733 91744 91746 91748 91752 91755 91761 91762 91764 91765 91766 
##     1     2     1     1     4     1     3     1     3     1     1     1     2 
## 91767 91768 91770 91784 91786 91788 91790 91791 91792 91910 91911 91915 91932 
##     1     1     1     1     2     1     1     2     1     2     2     1     2 
## 91942 91950 91977 92008 92009 92010 92020 92021 92027 92028 92029 92040 92057 
##     1     3     1     1     1     1     1     1     1     1     1     1     2 
## 92059 92069 92071 92078 92081 92083 92084 92101 92103 92105 92107 92113 92114 
##     1     3     1     1     1     2     2     1     2     3     1     2     4 
## 92115 92116 92117 92121 92123 92129 92154 92173 92195 92201 92210 92223 92227 
##     1     1     1     1     1     1     2     2     1     1     1     1     2 
## 92234 92235 92236 92240 92243 92250 92251 92260 92263 92264 92270 92284 92311 
##     1     1     1     3     2     1     1     2     1     2     1     2     1 
## 92312 92320 92321 92334 92335 92336 92337 92344 92345 92346 92354 92359 92374 
##     1     1     1     1     1     1     2     2     1     1     1     2     2 
## 92376 92377 92392 92394 92395 92404 92405 92406 92407 92411 92501 92503 92504 
##     2     3     1     1     1     2     1     1     1     1     1     3     4 
## 92505 92506 92507 92508 92509 92530 92532 92543 92544 92545 92551 92553 92557 
##     1     1     2     1     2     3     1     1     1     1     3     8     2 
## 92562 92563 92570 92584 92585 92587 92591 92592 92596   926 92612 92614 92615 
##     1     1     3     1     1     1     1     1     1     2     1     2     1 
## 92620 92625 92627 92629 92630 92647 92651 92656 92658 92662 92672 92673 92683 
##     3     1     1     2     1     1     1     3     1     1     2     1     1 
## 92688 92691 92692   927 92703 92780 92801 92802 92804 92807 92821 92833 92843 
##     2     1     1     1     2     2     3     2     2     1     1     1     2 
## 92845 92860 92880 92882 92886 93013 93023 93030 93033 93036 93065 93103 93117 
##     1     1     3     2     1     1     1     3     3     1     2     1     2 
## 93204 93223 93225 93230 93240 93245 93247 93274 93277 93291 93292 93301 93304 
##     1     1     1     2     1     3     1     2     1     1     2     1     1 
## 93306 93307 93308 93311 93312 93313 93314 93401 93402 93436 93449 93458 93505 
##     3     1     2     1     2     1     1     2     1     1     1     1     1 
## 93534 93535 93536 93545 93550 93551 93552 93560 93614 93620 93625 93637  9366 
##     1     1     4     1     2     6     1     1     1     1     1     1     1 
## 93702 93703 93705 93706 93711 93720 93722 93726 93727 93728 93747 93906 93907 
##     1     2     2     2     2     3     2     1     1     1     1     1     1 
## 93912 93920 93927 93930 93933 93940 93955 94015 94044 94085 94087 94103 94109 
##     1     1     1     1     1     1     1     1     1     1     1     2     1 
## 94110 94112 94114 94122 94129 94131 94134 94188 94303 94501 94505 94518 94520 
##     2     1     1     1     1     1     4     1     2     2     2     1     1 
## 94531 94533 94534 94535 94536 94538 94544 94545 94558 94559 94560 94561 94564 
##     1     5     1     1     2     1     1     1     1     1     1     3     2 
## 94565 94568 94571 94578 94582 94585 94587 94590 94591 94601 94602 94603 94604 
##     2     1     1     2     1     1     2     2     1     1     1     2     1 
## 94610 94803 94805 94928 94945 94954 95006 95018 95020 95023 95030 95032 95035 
##     1     1     1     1     2     2     1     1     2     1     1     1     2 
## 95050 95070 95076 95112 95116 95118 95121 95122 95123 95125 95126 95127 95128 
##     1     1     3     3     1     1     1     2     2     2     1     3     2 
## 95148 95201 95204 95205 95206 95207 95209 95210 95242   953 95301 95307 95319 
##     2     1     2     1     3     1     1     2     2     1     1     2     1 
## 95336 95337 95340 95341 95350 95354 95355 95357 95358 95376 95380 95382 95401 
##     2     2     2     1     1     1     3     1     2     3     1     1     2 
## 95403 95404 95406 95428 95448 95452 95546 95605 95610 95620 95621 95624 95648 
##     1     1     1     1     1     1     1     1     1     2     2     2     2 
## 95660 95661 95667 95677 95678 95682 95687 95688 95694 95713 95757 95758 95765 
##     1     1     1     1     2     2     3     1     1     1     1     1     1 
## 95815 95816 95820 95821 95822 95823 95827 95828 95829 95831 95833 95834 95842 
##     1     1     4     1     1     3     1     3     2     1     2     1     3 
## 95843 95926 95953 95961 95966 95971 95991 96001 96003 96007 96055 96064   961 
##     2     1     1     1     3     1     3     2     3     3     1     1     1 
## 96158 96706 96707 96713 96720 96731 96733 96779 96782 96789 96792 96797 96817 
##     1     2     3     1     1     1     1     1     1     2     2     1     1 
## 96819 96826 97008 97035 97062 97086 97124 97128 97132 97135 97203 97206 97209 
##     1     1     1     1     1     1     1     1     3     1     1     1     1 
## 97211 97213 97216 97222 97223 97229 97233 97239 97266 97292 97301 97304 97305 
##     1     1     1     1     1     1     1     1     2     1     5     1     2 
## 97317 97322 97338 97374 97378 97401 97404 97420 97448 97449 97459 97463 97467 
##     1     1     1     1     1     1     1     1     1     1     1     1     1 
## 97470 97479 97501 97502 97523 97524 97526 97528 97601 97623 97701 97702 97760 
##     1     1     1     1     1     2     1     1     1     1     1     1     1 
## 97846   979 98003 98006 98012 98023 98032 98036 98042 98052 98058 98059 98065 
##     1     1     3     1     1     2     1     2     1     1     1     1     1 
## 98092 98109 98118 98133 98148 98155 98168 98178 98188 98198 98201 98203 98208 
##     2     1     1     1     1     1     1     3     1     1     1     1     2 
## 98223 98228 98251 98264 98270 98272 98290   983 98332 98337 98338 98362 98363 
##     1     1     1     1     1     1     1     1     1     1     2     1     1 
## 98366 98368 98370 98375 98382 98387 98390   984 98404 98422 98445 98467 98499 
##     1     1     1     2     2     3     1     1     1     1     1     1     1 
## 98503 98512 98531  9855 98550 98558 98597 98626 98632 98660 98661 98662 98665 
##     1     1     2     1     2     1     1     1     1     1     1     1     1 
## 98682 98683 98684 98686 98801 98837 98901 98902 98908 98922 98934 99004 99013 
##     2     2     1     1     1     1     1     2     2     1     1     1     1 
## 99016 99021 99037 99134 99169 99201 99203 99206 99211 99212 99301 99337 99350 
##     1     1     1     1     1     1     1     2     1     1     1     1     1 
## 99354 99362 99501 99508 99518 99567 99577 99603 99613 99683 99775 
##     1     1     1     2     1     1     1     1     1     1     1
#Creating a variable called Bad

newData$Bad = ifelse((newData$DaysDeliq >= 60 | (newData$ExtStatus != "C" & newData$ExtStatus != " ")),1,0)
data.frame(newData$Bad, newData$ExtStatus, newData$DaysDeliq)
sum(newData$Bad)
## [1] 2938
# Calculating Badrate 

BadRate = sum(newData$Bad)/nrow(newData)
paste("The bad rate is : ", round(BadRate*100,2) ,"Percent")
## [1] "The bad rate is :  48.66 Percent"
newData$ChargeOffDollars = ifelse((newData$Bad ==1&newData$EndingBalance>0), newData$EndingBalance, 0)
summary(newData$ChargeOffDollars)
##    Min. 1st Qu.  Median    Mean 3rd Qu.    Max. 
##     0.0     0.0     0.0   188.9   428.3  1681.4
sum(newData$ChargeOffDollars)
## [1] 1140717
diagnose(newData)

convert variables

newData$City <- as.factor(newData$City)
newData$State <- as.factor(newData$State)
newData$ZipCode <- as.factor(newData$ZipCode)
newData$Bad <- as.factor(newData$Bad)
newData$ExtStatus <- as.factor(newData$ExtStatus)
newData$IntStatus <- as.factor(newData$IntStatus)
library(sjPlot)
view_df(newData, show.frq = T, show.prc = T, show.na = T, CSS = list(css.table = "border: 2px solid;",
                   css.tdata = "border: 1px solid;",
                   css.arc = "color:blue;"))
Data frame: newData
ID Name Label missings Values Value Labels Freq. %
1 ID 0 (0.00%) range: 24508841-24856424
2 OpenDate 0 (0.00%)
3 DatePrevStmt 1 (0.02%)
4 StatementDt 0 (0.00%)
5 MOB 0 (0.00%) range: 4-17
6 ExtStatus 0 (0.00%)
C
E
F
I
U
Z
2923
372
14
185
30
1
2513
48.41
6.16
0.23
3.06
0.50
0.02
41.62
7 IntStatus 0 (0.00%)
D
N
O
X
2295
179
33
417
3114
38.01
2.96
0.55
6.91
51.57
8 DaysDeliq 0 (0.00%) range: 0-390
9 ActualMinPay 0 (0.00%) range: 0.0-1237.0
10 OverlimitAmount 0 (0.00%) range: 0.0-1100.8
11 DisplayMinPay 0 (0.00%) range: 0.0-1681.4
12 OpeningBalance 0 (0.00%) range: -326.9-1681.4
13 BillLateCharge 0 (0.00%) range: 0.0-35.0
14 EndingBalance 0 (0.00%) range: -224.1-1681.4
15 CreditLimit 0 (0.00%) range: 0-900
16 TotalNetPayments 0 (0.00%) range: -455.9-1450.0
17 TotalNetPurchaseAndCash 0 (0.00%) range: -256.8-1675.6
18 TotalFeesBilled 0 (0.00%) range: -294.1-129.3
19 Concessions 0 (0.00%) range: -607.9-326.9
20 QuarterlyCreditScore 0 (0.00%) range: 0-797
21 Bscore 0 (0.00%) range: 13-711
22 City 0 (0.00%) ABBEVILLE
ABERDEEN
ABILENE
ABSECON
ACTON
ACUSHNET
ACWORTH
ADDISON
AGOURA HILLS
AIKEN
AKRON
ALABASTER
ALACHUA
ALAMEDA
ALAMO
<… truncated>
1
3
1
2
1
1
1
1
1
1
12
1
2
2
2
0.02
0.05
0.02
0.03
0.02
0.02
0.02
0.02
0.02
0.02
0.20
0.02
0.03
0.03
0.03
23 State 0 (0.00%) AE
AK
AL
AR
AZ
CA
CO
CT
DC
DE
FL
GA
HI
IA
ID
<… truncated>
3
10
127
58
117
726
99
77
14
25
489
280
19
48
18
0.05
0.17
2.10
0.96
1.94
12.02
1.64
1.28
0.23
0.41
8.10
4.64
0.31
0.79
0.30
24 ZipCode 0 (0.00%) 612
646
680
693
698
716
725
731
771
794
795
841
851
917
926
<… truncated>
1
1
1
2
1
1
2
1
1
1
1
1
1
1
2
0.02
0.02
0.02
0.03
0.02
0.02
0.03
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
25 Bad 0 (0.00%) 0
1
3100
2938
51.34
48.66
26 ChargeOffDollars 0 (0.00%) range: 0.0-1681.4
library(flextable)
library(dlookr)
describe(newData) %>% flextable()

described_variables

n

na

mean

sd

se_mean

IQR

skewness

kurtosis

p00

p01

p05

p10

p20

p25

p30

p40

p50

p60

p70

p75

p80

p90

p95

p99

p100

ID

6,038

0

24,806,362.115270

48,912.642255

629.46932286

39,551.0000

-2.6421410

9.14345788

24,508,841.00

24,588,185.2400

24,712,968.250

24,758,614.800

24,786,900.80

24,796,902.2500

24,801,113.700

24,809,948.400

24,816,651.500

24,825,283.200

24,832,351.800

24,836,453.2500

24,840,288.600

24,848,183.200

24,852,184.6000

24,855,854.4100

24,856,424.00

MOB

6,038

0

13.689798

4.467392

0.05749202

5.0000

-1.0082790

-0.50172513

4.00

4.0000

5.000

6.000

9.00

12.0000

12.000

14.000

17.000

17.000

17.000

17.0000

17.000

17.000

17.0000

17.0000

17.00

DaysDeliq

6,038

0

90.606989

105.740128

1.36079680

151.0000

0.8411509

-0.44360552

0.00

0.0000

0.000

0.000

0.00

0.0000

0.000

0.000

30.000

121.000

151.000

151.0000

180.000

240.000

300.0000

360.0000

390.00

ActualMinPay

6,038

0

147.379631

154.414317

1.98719741

206.0000

1.4972256

2.79865091

0.00

0.0000

0.000

17.697

30.00

30.0000

30.000

46.000

60.000

162.000

191.000

236.0000

275.000

353.000

428.1500

659.0000

1,237.00

OverlimitAmount

6,038

0

62.113968

102.458327

1.31856246

124.9025

2.6423942

12.31236208

0.00

0.0000

0.000

0.000

0.00

0.0000

0.000

0.000

0.000

14.216

85.593

124.9025

142.126

197.706

247.0705

381.6619

1,100.77

DisplayMinPay

6,038

0

170.907965

229.748715

2.95669507

316.0150

1.5611097

2.20087386

0.00

0.0000

0.000

0.000

0.00

25.0000

30.000

30.000

42.115

63.990

237.941

341.0150

397.200

466.286

665.4750

903.3405

1,681.36

OpeningBalance

6,038

0

443.697342

253.098381

3.25718790

277.2625

0.4282230

0.06033486

-326.90

-10.4815

12.127

114.001

261.95

287.1225

312.728

384.998

429.285

447.720

504.518

564.3850

666.846

855.029

922.2325

1,028.3335

1,681.36

BillLateCharge

6,038

0

4.083157

10.662983

0.13722466

0.0000

2.2815712

3.32816100

0.00

0.0000

0.000

0.000

0.00

0.0000

0.000

0.000

0.000

0.000

0.000

0.0000

0.000

30.000

35.0000

35.0000

35.00

EndingBalance

6,038

0

352.476830

284.714018

3.66405763

477.1525

0.4909044

-0.31777913

-224.06

0.0000

0.000

0.000

0.00

28.6800

179.959

284.570

345.245

421.462

460.195

505.8325

577.904

745.900

900.8665

1,032.4289

1,681.36

CreditLimit

6,038

0

423.277575

183.482606

2.36128466

400.0000

0.7299535

-0.88462483

0.00

0.0000

300.000

300.000

300.00

300.0000

300.000

300.000

300.000

400.000

400.000

700.0000

700.000

700.000

700.0000

700.0000

900.00

TotalNetPayments

6,038

0

47.021184

101.637676

1.30800129

50.0000

4.2511735

27.33948553

-455.87

0.0000

0.000

0.000

0.00

0.0000

0.000

0.000

0.000

30.000

43.171

50.0000

60.000

121.814

250.0000

484.3350

1,450.00

TotalNetPurchaseAndCash

6,038

0

23.461436

71.884742

0.92510315

0.9725

6.2266627

73.24711935

-256.75

0.0000

0.000

0.000

0.00

0.0000

0.000

0.000

0.000

0.000

0.000

0.9725

19.598

70.034

149.9830

347.9058

1,675.57

TotalFeesBilled

6,038

0

14.499485

22.469281

0.28916293

22.9675

-1.1687811

20.98297047

-294.14

-6.2500

0.000

0.000

0.00

0.0000

0.000

0.000

6.250

14.500

18.660

22.9675

33.744

45.446

54.5350

74.5867

129.28

Concessions

6,038

0

-2.282700

26.630932

0.34272028

0.0000

-10.3808680

182.85909231

-607.87

-99.8150

0.000

0.000

0.00

0.0000

0.000

0.000

0.000

0.000

0.000

0.0000

0.000

0.000

0.0000

3.8741

326.90

QuarterlyCreditScore

6,038

0

490.519709

198.206713

2.55077296

133.0000

-1.7341415

1.86605487

0.00

0.0000

0.000

0.000

462.00

479.0000

490.000

515.000

538.000

568.000

598.000

612.0000

626.000

655.000

675.0000

709.0000

797.00

Bscore

6,038

0

465.820139

200.130367

2.57552896

407.0000

-0.1857054

-1.88569251

13.00

217.0000

231.000

234.000

244.00

246.0000

252.000

264.000

596.000

627.000

647.000

653.0000

659.000

674.000

685.0000

699.0000

711.00

ChargeOffDollars

6,038

0

188.922965

298.128637

3.83669380

428.3175

1.4018452

0.97936185

0.00

0.0000

0.000

0.000

0.00

0.0000

0.000

0.000

0.000

0.000

380.643

428.3175

449.368

564.073

900.0765

1,032.4289

1,681.36

select important variables

df2 <- newData %>%  dplyr::select(c(5:26)) # select all variables with the exception of the dates
# select minimal variables for plotting
df3 <- df2 %>% dplyr::select(c(1:4), 21)
df4 <- df2 %>% dplyr::select(c(5:8), 21)
df5 <- df2 %>% dplyr::select(c(9:12), 21)
df6 <- df2 %>% dplyr::select(c(13:17), 22, 21)
library(GGally)
## Loading required package: ggplot2
## Registered S3 method overwritten by 'GGally':
##   method from   
##   +.gg   ggplot2
df3 %>%
ggpairs(aes(col = Bad, fill = Bad, alpha = 0.6),
        upper = list(combo = 'box'),
        diag = list(discrete = wrap('barDiag', position = 'fill')),
        lower = "blank") +
    theme(axis.text.x = element_text(angle = 90, hjust = 1))

df4 %>%
ggpairs(aes(col = Bad, fill = Bad, alpha = 0.6),
        upper = list(combo = 'box'),
        diag = list(discrete = wrap('barDiag', position = 'fill')),
        lower = "blank") +
    theme(axis.text.x = element_text(angle = 90, hjust = 1))

df5 %>%
ggpairs(aes(col = Bad, fill = Bad, alpha = 0.6),
        upper = list(combo = 'box'),
        diag = list(discrete = wrap('barDiag', position = 'fill')),
        lower = "blank") +
    theme(axis.text.x = element_text(angle = 90, hjust = 1))

df6 %>%
ggpairs(aes(col = Bad, fill = Bad, alpha = 0.6),
        upper = list(combo = 'box'),
        diag = list(discrete = wrap('barDiag', position = 'fill')),
        lower = "blank") +
    theme(axis.text.x = element_text(angle = 90, hjust = 1))
## Warning in cor(x, y): the standard deviation is zero

## Warning in cor(x, y): the standard deviation is zero

## Warning in cor(x, y): the standard deviation is zero

## Warning in cor(x, y): the standard deviation is zero

## Warning in cor(x, y): the standard deviation is zero

diagnose_outlier(newData)
plot_outlier(newData)