1- Importation des 4 rubriques de 2022 et 2023: CODE 1
#library(openxlsx)
#année 2022
#caracteristiques_2022 = read.xlsx("C:/Users/USER/Documents/project Actuariel Auto4+/Mémo 4/carcteristiques-2022.xlsx")
#usagers_2022= read.xlsx("C:/Users/USER/Documents/project Actuariel Auto4+/Mémo 4/usagers-2022.xlsx")
#vehicules_2022= read.xlsx("C:/Users/USER/Documents/project Actuariel Auto4+/Mémo 4/vehicules-2022.xlsx")
#année 2023
#caracteristiques_2023 =read.xlsx("C:/Users/USER/Documents/project Actuariel Auto4+/Mémo 4/caract-2023.xlsx")
#usagers_2023= read.xlsx("C:/Users/USER/Documents/project Actuariel Auto4+/Mémo 4/usagers-2023.xlsx")
#vehicules_2023= read.xlsx("C:/Users/USER/Documents/project Actuariel Auto4+/Mémo 4/vehicules-2023.xlsx")