Midterm

Ramya Murtha & Jeff DeWitt

3/5/2020

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Question 1: Age (numeric)

t.test(bank$age ~ bank$y , conf.level = 0.9999)
Welch Two Sample t-test

data: bank\(age by bank\)y t = -4.7795, df = 5258.5, p-value = 1.805e-06 alternative hypothesis: true difference in means is not equal to 0 99.99 percent confidence interval: -1.8181931 -0.1857294 sample estimates: mean in group no mean in group yes 39.91119 40.91315

Question 2: Type Of Job

CrossTable(bank$job , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

          | bank$y 
 bank$job |        no |       yes | Row Total |

————–|———–|———–|———–| admin. | 9070 | 1352 | 10422 | | 3.423 | 26.961 | | | 0.870 | 0.130 | 0.253 | | 0.248 | 0.291 | | | 0.220 | 0.033 | | ————–|———–|———–|———–| blue-collar | 8616 | 638 | 9254 | | 19.926 | 156.951 | | | 0.931 | 0.069 | 0.225 | | 0.236 | 0.138 | | | 0.209 | 0.015 | | ————–|———–|———–|———–| entrepreneur | 1332 | 124 | 1456 | | 1.240 | 9.767 | | | 0.915 | 0.085 | 0.035 | | 0.036 | 0.027 | | | 0.032 | 0.003 | | ————–|———–|———–|———–| housemaid | 954 | 106 | 1060 | | 0.191 | 1.507 | | | 0.900 | 0.100 | 0.026 | | 0.026 | 0.023 | | | 0.023 | 0.003 | | ————–|———–|———–|———–| management | 2596 | 328 | 2924 | | 0.001 | 0.006 | | | 0.888 | 0.112 | 0.071 | | 0.071 | 0.071 | | | 0.063 | 0.008 | | ————–|———–|———–|———–| retired | 1286 | 434 | 1720 | | 37.814 | 297.849 | | | 0.748 | 0.252 | 0.042 | | 0.035 | 0.094 | | | 0.031 | 0.011 | | ————–|———–|———–|———–| self-employed | 1272 | 149 | 1421 | | 0.097 | 0.767 | | | 0.895 | 0.105 | 0.035 | | 0.035 | 0.032 | | | 0.031 | 0.004 | | ————–|———–|———–|———–| services | 3646 | 323 | 3969 | | 4.375 | 34.458 | | | 0.919 | 0.081 | 0.096 | | 0.100 | 0.070 | | | 0.089 | 0.008 | | ————–|———–|———–|———–| student | 600 | 275 | 875 | | 40.090 | 315.775 | | | 0.686 | 0.314 | 0.021 | | 0.016 | 0.059 | | | 0.015 | 0.007 | | ————–|———–|———–|———–| technician | 6013 | 730 | 6743 | | 0.147 | 1.156 | | | 0.892 | 0.108 | 0.164 | | 0.165 | 0.157 | | | 0.146 | 0.018 | | ————–|———–|———–|———–| unemployed | 870 | 144 | 1014 | | 0.985 | 7.758 | | | 0.858 | 0.142 | 0.025 | | 0.024 | 0.031 | | | 0.021 | 0.003 | | ————–|———–|———–|———–| unknown | 293 | 37 | 330 | | 0.000 | 0.001 | | | 0.888 | 0.112 | 0.008 | | 0.008 | 0.008 | | | 0.007 | 0.001 | | ————–|———–|———–|———–| Column Total | 36548 | 4640 | 41188 | | 0.887 | 0.113 | | ————–|———–|———–|———–|

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 961.2424 d.f. = 11 p = 4.189763e-199

Question 3: Marital Status

CrossTable(bank$marital , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

         | bank$y
bank$marital no yes Row Total
divorced 4136 476 4612
0.464 3.652
0.897 0.103 0.112
0.113 0.103
0.100 0.012
————- ———– ———– ———–
married 22396 2532 24928
3.450 27.174
0.898 0.102 0.605
0.613 0.546
0.544 0.061
————- ———– ———– ———–
single 9948 1620 11568
9.778 77.021
0.860 0.140 0.281
0.272 0.349
0.242 0.039
————- ———– ———– ———–
unknown 68 12 80
0.126 0.990
0.850 0.150 0.002
0.002 0.003
0.002 0.000
————- ———– ———– ———–
Column Total 36548 4640 41188
0.887 0.113
————- ———– ———– ———–

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 122.6552 d.f. = 3 p = 2.068015e-26

Question 4: Education

CrossTable(bank$education , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

                | bank$y 
 bank$education |        no |       yes | Row Total |

——————–|———–|———–|———–| basic.4y | 3748 | 428 | 4176 | | 0.486 | 3.829 | | | 0.898 | 0.102 | 0.101 | | 0.103 | 0.092 | | | 0.091 | 0.010 | | ——————–|———–|———–|———–| basic.6y | 2104 | 188 | 2292 | | 2.423 | 19.088 | | | 0.918 | 0.082 | 0.056 | | 0.058 | 0.041 | | | 0.051 | 0.005 | | ——————–|———–|———–|———–| basic.9y | 5572 | 473 | 6045 | | 8.065 | 63.527 | | | 0.922 | 0.078 | 0.147 | | 0.152 | 0.102 | | | 0.135 | 0.011 | | ——————–|———–|———–|———–| high.school | 8484 | 1031 | 9515 | | 0.198 | 1.561 | | | 0.892 | 0.108 | 0.231 | | 0.232 | 0.222 | | | 0.206 | 0.025 | | ——————–|———–|———–|———–| illiterate | 14 | 4 | 18 | | 0.244 | 1.918 | | | 0.778 | 0.222 | 0.000 | | 0.000 | 0.001 | | | 0.000 | 0.000 | | ——————–|———–|———–|———–| professional.course | 4648 | 595 | 5243 | | 0.004 | 0.032 | | | 0.887 | 0.113 | 0.127 | | 0.127 | 0.128 | | | 0.113 | 0.014 | | ——————–|———–|———–|———–| university.degree | 10498 | 1670 | 12168 | | 8.292 | 65.317 | | | 0.863 | 0.137 | 0.295 | | 0.287 | 0.360 | | | 0.255 | 0.041 | | ——————–|———–|———–|———–| unknown | 1480 | 251 | 1731 | | 2.041 | 16.079 | | | 0.855 | 0.145 | 0.042 | | 0.040 | 0.054 | | | 0.036 | 0.006 | | ——————–|———–|———–|———–| Column Total | 36548 | 4640 | 41188 | | 0.887 | 0.113 | | ——————–|———–|———–|———–|

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 193.1059 d.f. = 7 p = 3.305189e-38

Warning message: In chisq.test(t, correct = FALSE, …) : Chi-squared approximation may be incorrect > CrossTable(bank\(education , bank\)y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

                | bank$y 
 bank$education |        no |       yes | Row Total |

——————–|———–|———–|———–| basic.4y | 3748 | 428 | 4176 | | 0.486 | 3.829 | | | 0.898 | 0.102 | 0.101 | | 0.103 | 0.092 | | | 0.091 | 0.010 | | ——————–|———–|———–|———–| basic.6y | 2104 | 188 | 2292 | | 2.423 | 19.088 | | | 0.918 | 0.082 | 0.056 | | 0.058 | 0.041 | | | 0.051 | 0.005 | | ——————–|———–|———–|———–| basic.9y | 5572 | 473 | 6045 | | 8.065 | 63.527 | | | 0.922 | 0.078 | 0.147 | | 0.152 | 0.102 | | | 0.135 | 0.011 | | ——————–|———–|———–|———–| high.school | 8484 | 1031 | 9515 | | 0.198 | 1.561 | | | 0.892 | 0.108 | 0.231 | | 0.232 | 0.222 | | | 0.206 | 0.025 | | ——————–|———–|———–|———–| illiterate | 14 | 4 | 18 | | 0.244 | 1.918 | | | 0.778 | 0.222 | 0.000 | | 0.000 | 0.001 | | | 0.000 | 0.000 | | ——————–|———–|———–|———–| professional.course | 4648 | 595 | 5243 | | 0.004 | 0.032 | | | 0.887 | 0.113 | 0.127 | | 0.127 | 0.128 | | | 0.113 | 0.014 | | ——————–|———–|———–|———–| university.degree | 10498 | 1670 | 12168 | | 8.292 | 65.317 | | | 0.863 | 0.137 | 0.295 | | 0.287 | 0.360 | | | 0.255 | 0.041 | | ——————–|———–|———–|———–| unknown | 1480 | 251 | 1731 | | 2.041 | 16.079 | | | 0.855 | 0.145 | 0.042 | | 0.040 | 0.054 | | | 0.036 | 0.006 | | ——————–|———–|———–|———–| Column Total | 36548 | 4640 | 41188 | | 0.887 | 0.113 | | ——————–|———–|———–|———–|

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 193.1059 d.f. = 7 p = 3.305189e-38

Warning message: In chisq.test(t, correct = FALSE, …) : Chi-squared approximation may be incorrect > CrossTable(bank\(education , bank\)y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

                | bank$y 
 bank$education |        no |       yes | Row Total |

——————–|———–|———–|———–| basic.4y | 3748 | 428 | 4176 | | 0.486 | 3.829 | | | 0.898 | 0.102 | 0.101 | | 0.103 | 0.092 | | | 0.091 | 0.010 | | ——————–|———–|———–|———–| basic.6y | 2104 | 188 | 2292 | | 2.423 | 19.088 | | | 0.918 | 0.082 | 0.056 | | 0.058 | 0.041 | | | 0.051 | 0.005 | | ——————–|———–|———–|———–| basic.9y | 5572 | 473 | 6045 | | 8.065 | 63.527 | | | 0.922 | 0.078 | 0.147 | | 0.152 | 0.102 | | | 0.135 | 0.011 | | ——————–|———–|———–|———–| high.school | 8484 | 1031 | 9515 | | 0.198 | 1.561 | | | 0.892 | 0.108 | 0.231 | | 0.232 | 0.222 | | | 0.206 | 0.025 | | ——————–|———–|———–|———–| illiterate | 14 | 4 | 18 | | 0.244 | 1.918 | | | 0.778 | 0.222 | 0.000 | | 0.000 | 0.001 | | | 0.000 | 0.000 | | ——————–|———–|———–|———–| professional.course | 4648 | 595 | 5243 | | 0.004 | 0.032 | | | 0.887 | 0.113 | 0.127 | | 0.127 | 0.128 | | | 0.113 | 0.014 | | ——————–|———–|———–|———–| university.degree | 10498 | 1670 | 12168 | | 8.292 | 65.317 | | | 0.863 | 0.137 | 0.295 | | 0.287 | 0.360 | | | 0.255 | 0.041 | | ——————–|———–|———–|———–| unknown | 1480 | 251 | 1731 | | 2.041 | 16.079 | | | 0.855 | 0.145 | 0.042 | | 0.040 | 0.054 | | | 0.036 | 0.006 | | ——————–|———–|———–|———–| Column Total | 36548 | 4640 | 41188 | | 0.887 | 0.113 | | ——————–|———–|———–|———–|

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 193.1059 d.f. = 7 p = 3.305189e-38

Warning message: In chisq.test(t, correct = FALSE, …) : Chi-squared approximation may be incorrect > t.test(bank\(age ~ bank\)y , conf.level = 0.9999)

Welch Two Sample t-test

data: bank\(age by bank\)y t = -4.7795, df = 5258.5, p-value = 1.805e-06 alternative hypothesis: true difference in means is not equal to 0 99.99 percent confidence interval: -1.8181931 -0.1857294 sample estimates: mean in group no mean in group yes 39.91119 40.91315

Question 5: Has Credit in Default

CrossTable(bank$default , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

         | bank$y
bank$default no yes Row Total
no 28391 4197 32588
9.562 75.315
0.871 0.129 0.791
0.777 0.905
0.689 0.102
————- ———– ———– ———–
unknown 8154 443 8597
36.198 285.122
0.948 0.052 0.209
0.223 0.095
0.198 0.011
————- ———– ———– ———–
yes 3 0 3
0.043 0.338
1.000 0.000 0.000
0.000 0.000
0.000 0.000
————- ———– ———– ———–
Column Total 36548 4640 41188
0.887 0.113
————- ———– ———– ———–

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 406.5775 d.f. = 2 p = 5.161958e-89

Question 6: Has Housing Loan

CrossTable(bank$housing , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

         | bank$y
bank$housing no yes Row Total
no 16596 2026 18622
0.312 2.461
0.891 0.109 0.452
0.454 0.437
0.403 0.049
————- ———– ———– ———–
unknown 883 107 990
0.023 0.184
0.892 0.108 0.024
0.024 0.023
0.021 0.003
————- ———– ———– ———–
yes 19069 2507 21576
0.305 2.400
0.884 0.116 0.524
0.522 0.540
0.463 0.061
————- ———– ———– ———–
Column Total 36548 4640 41188
0.887 0.113
————- ———– ———– ———–

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 5.684496 d.f. = 2 p = 0.05829448

Question 7: Has Personal Loan

> CrossTable(bank$loan , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

         | bank$y
bank$loan no yes Row Total
no 30100 3850 33950
0.021 0.169
0.887 0.113 0.824
0.824 0.830
0.731 0.093
————- ———– ———– ———–
unknown 883 107 990
0.023 0.184
0.892 0.108 0.024
0.024 0.023
0.021 0.003
————- ———– ———– ———–
yes 5565 683 6248
0.079 0.618
0.891 0.109 0.152
0.152 0.147
0.135 0.017
————- ———– ———– ———–
Column Total 36548 4640 41188
0.887 0.113
————- ———– ———– ———–

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 1.094028 d.f. = 2 p = 0.5786753

Question 8: Contact Communication Type

CrossTable(bank$contact , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

         | bank$y
bank$contact no yes Row Total
cellular 22291 3853 26144
35.521 279.790
0.853 0.147 0.635
0.610 0.830
0.541 0.094
————- ———– ———– ———–
telephone 14257 787 15044
61.730 486.229
0.948 0.052 0.365
0.390 0.170
0.346 0.019
————- ———– ———– ———–
Column Total 36548 4640 41188
0.887 0.113
————- ———– ———– ———–

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 863.2691 d.f. = 1 p = 9.481264e-190

Pearson’s Chi-squared test with Yates’ continuity correction

Chi^2 = 862.3184 d.f. = 1 p = 1.525986e-189

Question 9: Last Contact Month of Year

CrossTable(bank$month , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

         | bank$y
bank$month no yes Row Total
apr 2093 539 2632
25.178 198.321
0.795 0.205 0.064
0.057 0.116
0.051 0.013
————- ———– ———– ———–
aug 5523 655 6178
0.306 2.413
0.894 0.106 0.150
0.151 0.141
0.134 0.016
————- ———– ———– ———–
dec 93 89 182
29.052 228.836
0.511 0.489 0.004
0.003 0.019
0.002 0.002
————- ———– ———– ———–
jul 6525 649 7174
3.980 31.353
0.910 0.090 0.174
0.179 0.140
0.158 0.016
————- ———– ———– ———–
jun 4759 559 5318
0.341 2.683
0.895 0.105 0.129
0.130 0.120
0.116 0.014
————- ———– ———– ———–
mar 270 276 546
94.958 747.959
0.495 0.505 0.013
0.007 0.059
0.007 0.007
————- ———– ———– ———–
may 12883 886 13769
36.210 285.214
0.936 0.064 0.334
0.352 0.191
0.313 0.022
————- ———– ———– ———–
nov 3685 416 4101
0.581 4.579
0.899 0.101 0.100
0.101 0.090
0.089 0.010
————- ———– ———– ———–
oct 403 315 718
86.028 677.617
0.561 0.439 0.017
0.011 0.068
0.010 0.008
————- ———– ———– ———–
sep 314 256 570
72.723 572.818
0.551 0.449 0.014
0.009 0.055
0.008 0.006
————- ———– ———– ———–
Column Total 36548 4640 41188
0.887 0.113
————- ———– ———– ———–

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 3101.149 d.f. = 9 p = 0

Question 10: Last Contact Day of the Week

CrossTable(bank$day_of_week , bank$y , chisq = T )

Cell Contents |————————-| | N | | Chi-square contribution | | N / Row Total | | N / Col Total | | N / Table Total | |————————-|

Total Observations in Table: 41188

             | bank$y
bank$day_of_week no yes Row Total
fri 6981 846 7827
0.184 1.449
0.892 0.108 0.190
0.191 0.182
0.169 0.021
—————– ———– ———– ———–
mon 7667 847 8514
1.664 13.111
0.901 0.099 0.207
0.210 0.183
0.186 0.021
—————– ———– ———– ———–
thu 7578 1045 8623
0.708 5.574
0.879 0.121 0.209
0.207 0.225
0.184 0.025
—————– ———– ———– ———–
tue 7137 953 8090
0.241 1.901
0.882 0.118 0.196
0.195 0.205
0.173 0.023
—————– ———– ———– ———–
wed 7185 949 8134
0.148 1.165
0.883 0.117 0.197
0.197 0.205
0.174 0.023
—————– ———– ———– ———–
Column Total 36548 4640 41188
0.887 0.113
—————– ———– ———– ———–

Statistics for All Table Factors

Pearson’s Chi-squared test

Chi^2 = 26.14494 d.f. = 4 p = 2.958482e-05

Question 11: Last Contact Duration in Seconds

Question 12: Number of Contacts This Campaign and For This Client

Question 13: Number of Days Passed Since Last Contact

Question 14: # of contacts Performed Before This Campaign and For This Client

Question 15: Outcome Of the Previous Marketing Campaign

Question 16: emp.var.rate: employment variation rate - quarterly indicator

Question 17: cons.price.idx: consumer price index - monthly indicator (numeric)

Question 18: cons.conf.idx: consumer confidence index - monthly indicator (numeric)

Question 19: euribor3m: euribor 3 month rate - daily indicator (numeric)

Question 20: nr.employed: number of employees - quarterly indicator (numeric)

Question 21: y - has the client subscribed a term deposit? (binary: ‘yes’,‘no’)

+++++++++++++++++++++++++++++++++++++

Slide with R Output

summary(cars)
##      speed           dist       
##  Min.   : 4.0   Min.   :  2.00  
##  1st Qu.:12.0   1st Qu.: 26.00  
##  Median :15.0   Median : 36.00  
##  Mean   :15.4   Mean   : 42.98  
##  3rd Qu.:19.0   3rd Qu.: 56.00  
##  Max.   :25.0   Max.   :120.00

Slide with Plot