Predicting Interest Rates
Prateek Kumar
1 Introduction
A financial institution is planning to roll out a stock market trading faciliation service for their existing account holders. This service costs significant amount of money for the bank in terms of infra, licensing and people cost. To make the serive offering profitable, they charge a percentage base comission on every trade transaction. However this is not a unique service offered by them, many of their other competitors are offering the same service and at lesser commission some times. To retain or attract people who trade heavily on stock market and in turn generate a good commission for institution, they are planning to offer discounts as they roll out the service to entire customer base.
Problem is , that this discount, hampers profits coming from the customers who do not trade in large quantities . To tackle this issue , company wants to offer discounts selectively. To be able to do so, they need to know which of their customers are going to be heavy traders or money makers for them.
To be able to do this, they decided to do a beta run of their service to a small chunk of their customer base [approx 10000 people]. For these customers they have manually divided them into two revenue categories 1 and 2. Revenue one category is the one which are moeny makers for the bank, revenue category 2 are the ones which need to be kept out of discount offers.
We need to use this study’s data to build a prediction model which should be able to identify if a customer is potentially eligible for discounts [falls In revnue grid category 1]. Lets get the data and begin.
2 Loading and Exploring Data
2.1 Loading libraries required
Loading R packages used besides base R.
library(knitr)
library(dplyr)
library(car)
library(ggplot2)
library(pROC)
library(tidyr)2.2 Reading the data into R
Below, I am reading the csv’s as dataframes into R.
rg_train=read.csv("rg_train.csv",stringsAsFactors = FALSE)
rg_test=read.csv("rg_test.csv",stringsAsFactors = FALSE)Let’s now look at the overview of the train and test data
glimpse(rg_train)## Observations: 8,124
## Variables: 32
## $ REF_NO <int> 2148, 8099, 6611, 1950, 10857, 1085...
## $ children <chr> "1", "1", "3", "Zero", "2", "2", "3...
## $ age_band <chr> "45-50", "61-65", "31-35", "55-60",...
## $ status <chr> "Partner", "Partner", "Partner", "P...
## $ occupation <chr> "Professional", "Retired", "Profess...
## $ occupation_partner <chr> "Professional", "Retired", "Profess...
## $ home_status <chr> "Rent Privately", "Own Home", "Own ...
## $ family_income <chr> ">=35,000", "<12,500, >=10,000", ">...
## $ self_employed <chr> "Yes", "No", "No", "No", "Yes", "No...
## $ self_employed_partner <chr> "Yes", "No", "No", "No", "Yes", "No...
## $ year_last_moved <int> 1999, 1959, 1992, 1990, 1994, 1988,...
## $ TVarea <chr> "HTV", "Unknown", "Anglia", "Granad...
## $ post_code <chr> "SN4 7EJ", "CH63 8QN", "NR31 9UN", ...
## $ post_area <chr> "SN4", "CH63", "NR31", "WA8", "PL25...
## $ Average.Credit.Card.Transaction <dbl> 0.00, 0.00, 119.98, 0.00, 0.00, 0.0...
## $ Balance.Transfer <dbl> 0.00, 77.89, 0.00, 39.99, 161.47, 8...
## $ Term.Deposit <dbl> 196.95, 0.00, 96.94, 0.00, 14.99, 0...
## $ Life.Insurance <dbl> 132.42, 134.39, 0.00, 133.93, 58.97...
## $ Medical.Insurance <dbl> 0.00, 0.00, 159.97, 0.00, 7.49, 4.9...
## $ Average.A.C.Balance <dbl> 0.00, 7.99, 0.00, 39.48, 57.46, 81....
## $ Personal.Loan <dbl> 21.47, 14.98, 0.00, 0.00, 0.00, 30....
## $ Investment.in.Mutual.Fund <dbl> 24.18, 0.00, 0.00, 0.00, 0.00, 49.4...
## $ Investment.Tax.Saving.Bond <dbl> 7.49, 0.00, 0.00, 2.00, 0.00, 52.94...
## $ Home.Loan <dbl> 2.48, 3.99, 0.00, 0.00, 0.00, 7.46,...
## $ Online.Purchase.Amount <dbl> 0.00, 0.00, 0.00, 0.00, 0.00, 7.98,...
## $ Revenue.Grid <int> 2, 2, 2, 2, 2, 1, 2, 2, 2, 2, 2, 1,...
## $ gender <chr> "Female", "Female", "Male", "Female...
## $ region <chr> "South West", "Unknown", "East Angl...
## $ Investment.in.Commudity <dbl> 65.87, 42.46, 75.38, 34.78, 48.58, ...
## $ Investment.in.Equity <dbl> 9.27, 4.49, 0.00, 6.91, 9.58, 38.37...
## $ Investment.in.Derivative <dbl> 30.93, 26.23, 26.66, 29.24, 20.65, ...
## $ Portfolio.Balance <dbl> 87.48, 110.73, 127.57, 33.79, 56.17...glimpse(rg_test)## Observations: 2,031
## Variables: 31
## $ REF_NO <int> 9, 13, 18, 21, 26, 28, 34, 44, 57, ...
## $ children <chr> "1", "Zero", "Zero", "1", "Zero", "...
## $ age_band <chr> "36-40", "61-65", "26-30", "41-45",...
## $ status <chr> "Partner", "Partner", "Partner", "P...
## $ occupation <chr> "Professional", "Retired", "Unknown...
## $ occupation_partner <chr> "Professional", "Retired", "Profess...
## $ home_status <chr> "Own Home", "Own Home", "Own Home",...
## $ family_income <chr> ">=35,000", "<12,500, >=10,000", ">...
## $ self_employed <chr> "No", "No", "Yes", "No", "No", "No"...
## $ self_employed_partner <chr> "No", "No", "No", "No", "No", "No",...
## $ year_last_moved <int> 1993, 1987, 1998, 1983, 1995, 1972,...
## $ TVarea <chr> "Scottish TV", "Granada", "Scottish...
## $ post_code <chr> "G68 9AN", "LL18 3BB", "ML10 6XH", ...
## $ post_area <chr> "G68", "LL18", "ML10", "WV15", "NN6...
## $ Average.Credit.Card.Transaction <dbl> 0.00, 0.00, 0.00, 35.48, 0.00, 56.4...
## $ Balance.Transfer <dbl> 0.01, 24.99, 99.96, 0.00, 0.02, 60....
## $ Term.Deposit <dbl> 175.88, 0.00, 39.48, 0.00, 0.00, 11...
## $ Life.Insurance <dbl> 67.47, 0.00, 135.41, 122.45, 75.96,...
## $ Medical.Insurance <dbl> 0.00, 0.00, 44.48, 39.47, 0.00, 85....
## $ Average.A.C.Balance <dbl> 110.95, 0.00, 56.46, 47.45, 4.99, 2...
## $ Personal.Loan <dbl> 86.39, 0.00, 0.00, 63.93, 0.00, 0.0...
## $ Investment.in.Mutual.Fund <dbl> 74.93, 0.00, 123.39, 86.43, 25.48, ...
## $ Investment.Tax.Saving.Bond <dbl> 41.71, 0.00, 0.00, 12.49, 0.00, 9.9...
## $ Home.Loan <dbl> 35.41, 5.99, 39.96, 21.46, 0.00, 0....
## $ Online.Purchase.Amount <dbl> 11.99, 0.00, 0.00, 0.00, 0.00, 0.00...
## $ gender <chr> "Female", "Female", "Female", "Fema...
## $ region <chr> "Scotland", "Wales", "Scotland", "W...
## $ Investment.in.Commudity <dbl> 48.67, 5.00, 63.87, 39.48, 15.20, 7...
## $ Investment.in.Equity <dbl> 60.23, 1.00, 36.64, 38.63, 5.08, 56...
## $ Investment.in.Derivative <dbl> 63.58, 0.00, 59.96, 62.04, 17.74, 8...
## $ Portfolio.Balance <dbl> 162.40, -18.84, 115.89, 134.44, 27....3 Data preparation
3.1 Adding response to test
Lets combine our data for data prep step
rg_test$Revenue.Grid=NA
rg_train$data='train'
rg_test$data='test'
rg=rbind(rg_train,rg_test)3.2 Converting columns to proper form
3.2.1 Children
Lets start with looking at our first predictor variable in the data which is “children”.
table(rg$children)##
## 1 2 3 4+ Zero
## 1848 1607 473 19 6208We can easily convert this, to numeric data without any concern.
rg = rg %>% mutate(children=ifelse(children=="Zero",0,substr(children,1,1)),children=as.numeric(children))3.2.2 Age band
Lets look at age band variable , we can possibly convert this to numeric by taking average of age ranges.
Lets look at the frequency table any way to find if there are any non-numeric fields.
table(rg$age_band)##
## 18-21 22-25 26-30 31-35 36-40 41-45 45-50 51-55 55-60 61-65
## 63 456 927 1061 1134 1112 1359 1052 1047 881
## 65-70 71+ Unknown
## 598 410 55We can try two iterations here, we can create dummy variables for these categories present. In this case we are loosing some information by not utilising the fact that each range contains some numbers and there is certainly an order to them. Another possiblity is, converting these ranges to continuos numeric values by taking average of the range given. Be aware however that we are inflating infromation here. Assuming that variable can take all possible values in the range given.
For our discussion here we are going to try second type. Now in that we can either drop the obs where category value is unknown or we can check the response rates across categories and see which one is close to “unknown” and supply that value instead. Lets see:
prop.table(table(rg$age_band,rg$Revenue.Grid),1)##
## 1 2
## 18-21 0.18750000 0.81250000
## 22-25 0.11977716 0.88022284
## 26-30 0.11066667 0.88933333
## 31-35 0.10463734 0.89536266
## 36-40 0.12184413 0.87815587
## 41-45 0.11248594 0.88751406
## 45-50 0.09990834 0.90009166
## 51-55 0.09696262 0.90303738
## 55-60 0.11151079 0.88848921
## 61-65 0.09116809 0.90883191
## 65-70 0.09166667 0.90833333
## 71+ 0.10559006 0.89440994
## Unknown 0.04878049 0.95121951It turns out that the behaviour is really different from the rest of the categories , so the option for value imputation to unknown is gone. It would have been an insteresting dummy variable possibly , for now we are going to keep those as NA. [ All these subjective choices we are making, signify the need for running multiple iterations with different choices and then selecting the path which results in best model].
rg=rg %>%
mutate(a1=as.numeric(substr(age_band,1,2)),
a2=as.numeric(substr(age_band,4,5)),
age=ifelse(substr(age_band,1,2)=="71",71,ifelse(age_band=="Unknown",NA,0.5*(a1+a2)))
) %>%
select(-a1,-a2,-age_band)3.3 Categorical variables
Next we’ll be looking at various categorical variables and making use of the function to create dummies.
CreateDummies=function(data,var,freq_cutoff=0){
t=table(data[,var])
t=t[t>freq_cutoff]
t=sort(t)
categories=names(t)[-1]
for( cat in categories){
name=paste(var,cat,sep="_")
name=gsub(" ","",name)
name=gsub("-","_",name)
name=gsub("\\?","Q",name)
name=gsub("<","LT_",name)
name=gsub("\\+","",name)
name=gsub("\\/","_",name)
name=gsub(">","GT_",name)
name=gsub("=","EQ_",name)
name=gsub(",","",name)
data[,name]=as.numeric(data[,var]==cat)
}
data[,var]=NULL
return(data)
}Following a bit of code which can be use to extract names of all categorical variables in the data
names(rg)[sapply(rg,function(x) is.character(x))]## [1] "status" "occupation" "occupation_partner"
## [4] "home_status" "family_income" "self_employed"
## [7] "self_employed_partner" "TVarea" "post_code"
## [10] "post_area" "gender" "region"
## [13] "data"In this we are going to ignore column data for obvious reasons and make dummies for rest.
cat_cols=c("status","occupation","occupation_partner","home_status","family_income","self_employed", "self_employed_partner","TVarea","gender","region")
for(cat in cat_cols){
rg=CreateDummies(rg,cat,100)
}We are dropping variables post_code, post_area. They take too many distinct values for these variables to be useful in modeling process.
rg=rg %>% select(-post_code,-post_area)3.4 Response Variable
We need to convert our Response variable to 1/0
rg$Revenue.Grid=as.numeric(rg$Revenue.Grid==1)4 Missing values
Next we take care of missing values if any in the data.
for(col in names(rg)){
if(sum(is.na(rg[,col]))>0 & !(col %in% c("data","Revenue.Grid"))){
rg[is.na(rg[,col]),col]=mean(rg[rg$data=='train',col],na.rm=T)
}
}5 Training and Test Data
Now lets separate our datasets to begin modeling process
rg_train=rg %>% filter(data=='train') %>% select(-data)
rg_test=rg %>% filter(data=='test') %>% select (-data,-Revenue.Grid)If we want to look at tentative performance measure, we’ll break our data into two parts. Here I am doing an 80/20 split.
set.seed(2)
s=sample(1:nrow(rg_train),0.8*nrow(rg_train))
rg_train1=rg_train[s,]
rg_train2=rg_train[-s,]6 Removing Multi-collinearity
First thing that we’ll be looking to eliminate is severe cases of multi-collinearity. [ mild cases of multicollinearity is not an issue in logistic regression]. To examine VIF, we can run a linear regression. We are not concerned with the output of this linear regression model, we are only interested in VIF values of the predictor.
for_vif=lm(Revenue.Grid~.-REF_NO,data=rg_train1)
sort(vif(for_vif),decreasing = T)[1:3]## Investment.in.Commudity Investment.in.Derivative Investment.in.Equity
## 256352501 227034406 157553991You can see there are few cases of insanely high VIF values , lets eliminate those variables one by one. Code given below is result of multiple iterations.
for_vif=lm(Revenue.Grid~.-REF_NO-Investment.in.Commudity
-Investment.in.Derivative-Investment.in.Equity
-region_SouthEast-TVarea_Central-occupation_Professional
-family_income_GT_EQ_35000-region_Scotland
-Portfolio.Balance,
data=rg_train1)
sort(vif(for_vif),decreasing = T)[1:3]## occupation_partner_Unknown occupation_partner_Retired
## 7.318817 6.622036
## region_Unknown
## 6.379158All VIF values now are less than 10. This is good enough for logistic regression , Lets move to build our classification model now. [We’ll be excluding the variables with high VIF values, which we identified]
7 Creating the model
log_fit=glm(Revenue.Grid~.-REF_NO-Investment.in.Commudity
-Investment.in.Derivative-Investment.in.Equity
-region_SouthEast-TVarea_Central-occupation_Professional
-family_income_GT_EQ_35000-region_Scotland-Portfolio.Balance,
data=rg_train1,family = "binomial")log_fit=step(log_fit)## Start: AIC=2019.14
## Revenue.Grid ~ (REF_NO + children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## Investment.in.Commudity + Investment.in.Equity + Investment.in.Derivative +
## Portfolio.Balance + age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_Professional + occupation_partner_Housewife +
## occupation_partner_Secretarial_Admin + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Professional + occupation_partner_Unknown +
## home_status_RentPrivately + home_status_RentfromCouncil_HA +
## home_status_OwnHome + family_income_LT_4000 + family_income_LT_8000GT_EQ_4000 +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_15000GT_EQ_12500 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + family_income_GT_EQ_35000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Granada +
## TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton + TVarea_Central +
## gender_Female + region_EastAnglia + region_Wales + region_North +
## region_EastMidlands + region_Scotland + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest + region_SouthEast) -
## REF_NO - Investment.in.Commudity - Investment.in.Derivative -
## Investment.in.Equity - region_SouthEast - TVarea_Central -
## occupation_Professional - family_income_GT_EQ_35000 - region_Scotland -
## Portfolio.Balance
##
## Df Deviance AIC
## - TVarea_Granada 1 1885.1 2017.1
## - region_Wales 1 1885.1 2017.1
## - home_status_OwnHome 1 1885.1 2017.1
## - region_NorthWest 1 1885.1 2017.1
## - TVarea_Yorkshire 1 1885.1 2017.1
## - region_Unknown 1 1885.1 2017.1
## - occupation_ManualWorker 1 1885.1 2017.1
## - home_status_RentfromCouncil_HA 1 1885.2 2017.2
## - region_EastMidlands 1 1885.2 2017.2
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2017.2
## - TVarea_TVSouthWest 1 1885.2 2017.2
## - age 1 1885.2 2017.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2017.2
## - family_income_LT_17500GT_EQ_15000 1 1885.2 2017.2
## - region_SouthWest 1 1885.3 2017.3
## - self_employed_No 1 1885.3 2017.3
## - occupation_partner_Professional 1 1885.3 2017.3
## - TVarea_Carlton 1 1885.3 2017.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2017.3
## - home_status_RentPrivately 1 1885.3 2017.3
## - TVarea_TyneTees 1 1885.3 2017.3
## - region_North 1 1885.4 2017.4
## - TVarea_HTV 1 1885.4 2017.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2017.4
## - occupation_partner_Unknown 1 1885.4 2017.4
## - family_income_LT_4000 1 1885.4 2017.4
## - occupation_partner_ManualWorker 1 1885.4 2017.4
## - family_income_LT_20000GT_EQ_17500 1 1885.4 2017.4
## - occupation_Retired 1 1885.5 2017.5
## - region_WestMidlands 1 1885.5 2017.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2017.6
## - TVarea_Unknown 1 1885.6 2017.6
## - Investment.in.Mutual.Fund 1 1885.6 2017.6
## - occupation_BusinessManager 1 1885.7 2017.7
## - occupation_partner_BusinessManager 1 1885.7 2017.7
## - year_last_moved 1 1885.7 2017.7
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2017.9
## - status_Single_NeverMarried 1 1886.0 2018.0
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2018.1
## - gender_Female 1 1886.1 2018.1
## - region_EastAnglia 1 1886.3 2018.3
## - occupation_Secretarial_Admin 1 1886.3 2018.3
## - TVarea_Grampian 1 1886.4 2018.4
## - children 1 1886.4 2018.4
## - occupation_Unknown 1 1886.5 2018.5
## - TVarea_ScottishTV 1 1886.5 2018.5
## - occupation_partner_Housewife 1 1886.8 2018.8
## - occupation_Housewife 1 1886.9 2018.9
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2018.9
## <none> 1885.1 2019.1
## - TVarea_Meridian 1 1887.1 2019.1
## - status_Divorced_Separated 1 1887.3 2019.3
## - occupation_partner_Retired 1 1887.3 2019.3
## - TVarea_Anglia 1 1887.7 2019.7
## - status_Partner 1 1888.8 2020.8
## - self_employed_partner_No 1 1889.4 2021.4
## - family_income_LT_30000GT_EQ_27500 1 1889.5 2021.5
## - Balance.Transfer 1 1912.8 2044.8
## - Medical.Insurance 1 1915.1 2047.1
## - Average.A.C.Balance 1 1926.6 2058.6
## - Home.Loan 1 1938.3 2070.3
## - Term.Deposit 1 2028.1 2160.1
## - Life.Insurance 1 2179.2 2311.2
## - Investment.Tax.Saving.Bond 1 2275.3 2407.3
## - Average.Credit.Card.Transaction 1 2318.6 2450.6
## - Personal.Loan 1 2340.9 2472.9
## - Online.Purchase.Amount 1 3196.8 3328.8
##
## Step: AIC=2017.14
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + home_status_OwnHome + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_Wales + region_North + region_EastMidlands + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - region_Wales 1 1885.1 2015.1
## - home_status_OwnHome 1 1885.1 2015.1
## - TVarea_Yorkshire 1 1885.1 2015.1
## - region_NorthWest 1 1885.1 2015.1
## - region_Unknown 1 1885.1 2015.1
## - occupation_ManualWorker 1 1885.1 2015.1
## - home_status_RentfromCouncil_HA 1 1885.2 2015.2
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2015.2
## - region_EastMidlands 1 1885.2 2015.2
## - age 1 1885.2 2015.2
## - TVarea_TVSouthWest 1 1885.2 2015.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2015.2
## - family_income_LT_17500GT_EQ_15000 1 1885.2 2015.2
## - region_SouthWest 1 1885.3 2015.3
## - self_employed_No 1 1885.3 2015.3
## - occupation_partner_Professional 1 1885.3 2015.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2015.3
## - home_status_RentPrivately 1 1885.3 2015.3
## - TVarea_TyneTees 1 1885.3 2015.3
## - region_North 1 1885.4 2015.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2015.4
## - occupation_partner_Unknown 1 1885.4 2015.4
## - family_income_LT_4000 1 1885.4 2015.4
## - TVarea_Carlton 1 1885.4 2015.4
## - occupation_partner_ManualWorker 1 1885.4 2015.4
## - TVarea_HTV 1 1885.4 2015.4
## - family_income_LT_20000GT_EQ_17500 1 1885.4 2015.4
## - occupation_Retired 1 1885.5 2015.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2015.6
## - TVarea_Unknown 1 1885.6 2015.6
## - Investment.in.Mutual.Fund 1 1885.6 2015.6
## - region_WestMidlands 1 1885.7 2015.7
## - occupation_BusinessManager 1 1885.7 2015.7
## - occupation_partner_BusinessManager 1 1885.7 2015.7
## - year_last_moved 1 1885.7 2015.7
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2015.9
## - status_Single_NeverMarried 1 1886.0 2016.0
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2016.1
## - gender_Female 1 1886.1 2016.1
## - region_EastAnglia 1 1886.3 2016.3
## - occupation_Secretarial_Admin 1 1886.3 2016.3
## - children 1 1886.4 2016.4
## - TVarea_Grampian 1 1886.5 2016.5
## - occupation_Unknown 1 1886.5 2016.5
## - occupation_partner_Housewife 1 1886.8 2016.8
## - TVarea_ScottishTV 1 1886.8 2016.8
## - occupation_Housewife 1 1886.9 2016.9
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2016.9
## <none> 1885.1 2017.1
## - status_Divorced_Separated 1 1887.3 2017.3
## - occupation_partner_Retired 1 1887.3 2017.3
## - TVarea_Anglia 1 1888.1 2018.1
## - TVarea_Meridian 1 1888.4 2018.4
## - status_Partner 1 1888.8 2018.8
## - self_employed_partner_No 1 1889.4 2019.4
## - family_income_LT_30000GT_EQ_27500 1 1889.5 2019.5
## - Balance.Transfer 1 1912.9 2042.9
## - Medical.Insurance 1 1915.1 2045.1
## - Average.A.C.Balance 1 1926.7 2056.7
## - Home.Loan 1 1938.3 2068.3
## - Term.Deposit 1 2028.1 2158.1
## - Life.Insurance 1 2179.2 2309.2
## - Investment.Tax.Saving.Bond 1 2275.3 2405.3
## - Average.Credit.Card.Transaction 1 2319.1 2449.1
## - Personal.Loan 1 2341.0 2471.0
## - Online.Purchase.Amount 1 3196.8 3326.8
##
## Step: AIC=2015.14
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + home_status_OwnHome + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_EastMidlands + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - home_status_OwnHome 1 1885.1 2013.1
## - region_NorthWest 1 1885.1 2013.1
## - TVarea_Yorkshire 1 1885.1 2013.1
## - region_Unknown 1 1885.1 2013.1
## - occupation_ManualWorker 1 1885.1 2013.1
## - home_status_RentfromCouncil_HA 1 1885.2 2013.2
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2013.2
## - age 1 1885.2 2013.2
## - region_EastMidlands 1 1885.2 2013.2
## - TVarea_TVSouthWest 1 1885.2 2013.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2013.2
## - family_income_LT_17500GT_EQ_15000 1 1885.2 2013.2
## - self_employed_No 1 1885.3 2013.3
## - occupation_partner_Professional 1 1885.3 2013.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2013.3
## - home_status_RentPrivately 1 1885.3 2013.3
## - region_SouthWest 1 1885.3 2013.3
## - TVarea_TyneTees 1 1885.3 2013.3
## - region_North 1 1885.4 2013.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2013.4
## - occupation_partner_Unknown 1 1885.4 2013.4
## - family_income_LT_4000 1 1885.4 2013.4
## - occupation_partner_ManualWorker 1 1885.4 2013.4
## - family_income_LT_20000GT_EQ_17500 1 1885.4 2013.4
## - TVarea_Carlton 1 1885.4 2013.4
## - occupation_Retired 1 1885.5 2013.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2013.6
## - TVarea_Unknown 1 1885.6 2013.6
## - Investment.in.Mutual.Fund 1 1885.6 2013.6
## - occupation_BusinessManager 1 1885.7 2013.7
## - TVarea_HTV 1 1885.7 2013.7
## - occupation_partner_BusinessManager 1 1885.7 2013.7
## - region_WestMidlands 1 1885.7 2013.7
## - year_last_moved 1 1885.7 2013.7
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2013.9
## - status_Single_NeverMarried 1 1886.1 2014.1
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2014.1
## - gender_Female 1 1886.1 2014.1
## - region_EastAnglia 1 1886.3 2014.3
## - occupation_Secretarial_Admin 1 1886.3 2014.3
## - children 1 1886.4 2014.4
## - occupation_Unknown 1 1886.5 2014.5
## - TVarea_Grampian 1 1886.5 2014.5
## - occupation_partner_Housewife 1 1886.8 2014.8
## - occupation_Housewife 1 1886.9 2014.9
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2014.9
## - TVarea_ScottishTV 1 1886.9 2014.9
## <none> 1885.1 2015.1
## - status_Divorced_Separated 1 1887.3 2015.3
## - occupation_partner_Retired 1 1887.3 2015.3
## - TVarea_Anglia 1 1888.2 2016.2
## - TVarea_Meridian 1 1888.5 2016.5
## - status_Partner 1 1888.8 2016.8
## - self_employed_partner_No 1 1889.4 2017.4
## - family_income_LT_30000GT_EQ_27500 1 1889.5 2017.5
## - Balance.Transfer 1 1912.9 2040.9
## - Medical.Insurance 1 1915.2 2043.2
## - Average.A.C.Balance 1 1926.7 2054.7
## - Home.Loan 1 1938.3 2066.3
## - Term.Deposit 1 2028.2 2156.2
## - Life.Insurance 1 2179.3 2307.3
## - Investment.Tax.Saving.Bond 1 2275.9 2403.9
## - Average.Credit.Card.Transaction 1 2319.1 2447.1
## - Personal.Loan 1 2341.3 2469.3
## - Online.Purchase.Amount 1 3197.3 3325.3
##
## Step: AIC=2013.14
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_EastMidlands + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - region_NorthWest 1 1885.1 2011.1
## - TVarea_Yorkshire 1 1885.1 2011.1
## - region_Unknown 1 1885.1 2011.1
## - occupation_ManualWorker 1 1885.1 2011.1
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2011.2
## - age 1 1885.2 2011.2
## - region_EastMidlands 1 1885.2 2011.2
## - TVarea_TVSouthWest 1 1885.2 2011.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2011.2
## - home_status_RentfromCouncil_HA 1 1885.2 2011.2
## - family_income_LT_17500GT_EQ_15000 1 1885.2 2011.2
## - self_employed_No 1 1885.3 2011.3
## - occupation_partner_Professional 1 1885.3 2011.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2011.3
## - region_SouthWest 1 1885.3 2011.3
## - TVarea_TyneTees 1 1885.3 2011.3
## - region_North 1 1885.4 2011.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2011.4
## - occupation_partner_Unknown 1 1885.4 2011.4
## - family_income_LT_4000 1 1885.4 2011.4
## - occupation_partner_ManualWorker 1 1885.4 2011.4
## - family_income_LT_20000GT_EQ_17500 1 1885.4 2011.4
## - TVarea_Carlton 1 1885.4 2011.4
## - occupation_Retired 1 1885.5 2011.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2011.6
## - TVarea_Unknown 1 1885.6 2011.6
## - home_status_RentPrivately 1 1885.6 2011.6
## - Investment.in.Mutual.Fund 1 1885.6 2011.6
## - occupation_BusinessManager 1 1885.7 2011.7
## - TVarea_HTV 1 1885.7 2011.7
## - occupation_partner_BusinessManager 1 1885.7 2011.7
## - region_WestMidlands 1 1885.7 2011.7
## - year_last_moved 1 1885.8 2011.8
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2011.9
## - status_Single_NeverMarried 1 1886.1 2012.1
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2012.1
## - gender_Female 1 1886.1 2012.1
## - region_EastAnglia 1 1886.3 2012.3
## - occupation_Secretarial_Admin 1 1886.3 2012.3
## - children 1 1886.4 2012.4
## - occupation_Unknown 1 1886.5 2012.5
## - TVarea_Grampian 1 1886.5 2012.5
## - occupation_partner_Housewife 1 1886.8 2012.8
## - occupation_Housewife 1 1886.9 2012.9
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2012.9
## - TVarea_ScottishTV 1 1886.9 2012.9
## <none> 1885.1 2013.1
## - status_Divorced_Separated 1 1887.3 2013.3
## - occupation_partner_Retired 1 1887.3 2013.3
## - TVarea_Anglia 1 1888.2 2014.2
## - TVarea_Meridian 1 1888.5 2014.5
## - status_Partner 1 1888.8 2014.8
## - self_employed_partner_No 1 1889.4 2015.4
## - family_income_LT_30000GT_EQ_27500 1 1889.5 2015.5
## - Balance.Transfer 1 1912.9 2038.9
## - Medical.Insurance 1 1915.2 2041.2
## - Average.A.C.Balance 1 1926.7 2052.7
## - Home.Loan 1 1938.3 2064.3
## - Term.Deposit 1 2028.3 2154.3
## - Life.Insurance 1 2179.3 2305.3
## - Investment.Tax.Saving.Bond 1 2276.0 2402.0
## - Average.Credit.Card.Transaction 1 2319.5 2445.5
## - Personal.Loan 1 2341.4 2467.4
## - Online.Purchase.Amount 1 3197.7 3323.7
##
## Step: AIC=2011.14
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_EastMidlands + region_WestMidlands +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - TVarea_Yorkshire 1 1885.1 2009.1
## - region_Unknown 1 1885.1 2009.1
## - occupation_ManualWorker 1 1885.1 2009.1
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2009.2
## - age 1 1885.2 2009.2
## - TVarea_TVSouthWest 1 1885.2 2009.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2009.2
## - region_EastMidlands 1 1885.2 2009.2
## - home_status_RentfromCouncil_HA 1 1885.2 2009.2
## - family_income_LT_17500GT_EQ_15000 1 1885.2 2009.2
## - self_employed_No 1 1885.3 2009.3
## - occupation_partner_Professional 1 1885.3 2009.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2009.3
## - region_SouthWest 1 1885.3 2009.3
## - TVarea_TyneTees 1 1885.3 2009.3
## - occupation_partner_Unknown 1 1885.4 2009.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2009.4
## - family_income_LT_4000 1 1885.4 2009.4
## - region_North 1 1885.4 2009.4
## - occupation_partner_ManualWorker 1 1885.4 2009.4
## - family_income_LT_20000GT_EQ_17500 1 1885.4 2009.4
## - occupation_Retired 1 1885.5 2009.5
## - TVarea_Carlton 1 1885.5 2009.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2009.6
## - TVarea_Unknown 1 1885.6 2009.6
## - home_status_RentPrivately 1 1885.6 2009.6
## - Investment.in.Mutual.Fund 1 1885.6 2009.6
## - occupation_BusinessManager 1 1885.7 2009.7
## - occupation_partner_BusinessManager 1 1885.7 2009.7
## - year_last_moved 1 1885.8 2009.8
## - TVarea_HTV 1 1885.8 2009.8
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2009.9
## - region_WestMidlands 1 1885.9 2009.9
## - status_Single_NeverMarried 1 1886.1 2010.1
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2010.1
## - gender_Female 1 1886.1 2010.1
## - region_EastAnglia 1 1886.3 2010.3
## - occupation_Secretarial_Admin 1 1886.3 2010.3
## - children 1 1886.4 2010.4
## - occupation_Unknown 1 1886.5 2010.5
## - TVarea_Grampian 1 1886.7 2010.7
## - occupation_partner_Housewife 1 1886.8 2010.8
## - occupation_Housewife 1 1886.9 2010.9
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2010.9
## <none> 1885.1 2011.1
## - status_Divorced_Separated 1 1887.3 2011.3
## - TVarea_ScottishTV 1 1887.3 2011.3
## - occupation_partner_Retired 1 1887.3 2011.3
## - TVarea_Anglia 1 1888.3 2012.3
## - TVarea_Meridian 1 1888.8 2012.8
## - status_Partner 1 1888.8 2012.8
## - self_employed_partner_No 1 1889.4 2013.4
## - family_income_LT_30000GT_EQ_27500 1 1889.5 2013.5
## - Balance.Transfer 1 1912.9 2036.9
## - Medical.Insurance 1 1915.2 2039.2
## - Average.A.C.Balance 1 1926.8 2050.8
## - Home.Loan 1 1938.3 2062.3
## - Term.Deposit 1 2028.3 2152.3
## - Life.Insurance 1 2179.3 2303.3
## - Investment.Tax.Saving.Bond 1 2276.4 2400.4
## - Average.Credit.Card.Transaction 1 2319.6 2443.6
## - Personal.Loan 1 2341.5 2465.5
## - Online.Purchase.Amount 1 3198.6 3322.6
##
## Step: AIC=2009.14
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest +
## region_Unknown
##
## Df Deviance AIC
## - region_Unknown 1 1885.1 2007.1
## - occupation_ManualWorker 1 1885.2 2007.2
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2007.2
## - age 1 1885.2 2007.2
## - TVarea_TVSouthWest 1 1885.2 2007.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2007.2
## - home_status_RentfromCouncil_HA 1 1885.2 2007.2
## - region_EastMidlands 1 1885.2 2007.2
## - family_income_LT_17500GT_EQ_15000 1 1885.2 2007.2
## - self_employed_No 1 1885.3 2007.3
## - occupation_partner_Professional 1 1885.3 2007.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2007.3
## - region_SouthWest 1 1885.3 2007.3
## - occupation_partner_Unknown 1 1885.4 2007.4
## - family_income_LT_4000 1 1885.4 2007.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2007.4
## - TVarea_TyneTees 1 1885.4 2007.4
## - occupation_partner_ManualWorker 1 1885.4 2007.4
## - family_income_LT_20000GT_EQ_17500 1 1885.4 2007.4
## - region_North 1 1885.5 2007.5
## - TVarea_Carlton 1 1885.5 2007.5
## - occupation_Retired 1 1885.5 2007.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2007.6
## - home_status_RentPrivately 1 1885.6 2007.6
## - Investment.in.Mutual.Fund 1 1885.6 2007.6
## - occupation_BusinessManager 1 1885.7 2007.7
## - occupation_partner_BusinessManager 1 1885.7 2007.7
## - year_last_moved 1 1885.8 2007.8
## - TVarea_HTV 1 1885.8 2007.8
## - TVarea_Unknown 1 1885.8 2007.8
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2007.9
## - region_WestMidlands 1 1885.9 2007.9
## - status_Single_NeverMarried 1 1886.1 2008.1
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2008.1
## - gender_Female 1 1886.1 2008.1
## - region_EastAnglia 1 1886.3 2008.3
## - occupation_Secretarial_Admin 1 1886.3 2008.3
## - children 1 1886.4 2008.4
## - occupation_Unknown 1 1886.5 2008.5
## - TVarea_Grampian 1 1886.7 2008.7
## - occupation_partner_Housewife 1 1886.8 2008.8
## - occupation_Housewife 1 1886.9 2008.9
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2008.9
## <none> 1885.1 2009.1
## - TVarea_ScottishTV 1 1887.3 2009.3
## - status_Divorced_Separated 1 1887.3 2009.3
## - occupation_partner_Retired 1 1887.3 2009.3
## - TVarea_Anglia 1 1888.3 2010.3
## - TVarea_Meridian 1 1888.8 2010.8
## - status_Partner 1 1888.8 2010.8
## - self_employed_partner_No 1 1889.4 2011.4
## - family_income_LT_30000GT_EQ_27500 1 1889.5 2011.5
## - Balance.Transfer 1 1912.9 2034.9
## - Medical.Insurance 1 1915.2 2037.2
## - Average.A.C.Balance 1 1926.8 2048.8
## - Home.Loan 1 1938.3 2060.3
## - Term.Deposit 1 2028.3 2150.3
## - Life.Insurance 1 2179.4 2301.4
## - Investment.Tax.Saving.Bond 1 2276.4 2398.4
## - Average.Credit.Card.Transaction 1 2319.7 2441.7
## - Personal.Loan 1 2341.6 2463.6
## - Online.Purchase.Amount 1 3198.6 3320.6
##
## Step: AIC=2007.14
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - occupation_ManualWorker 1 1885.2 2005.2
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2005.2
## - age 1 1885.2 2005.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2005.2
## - TVarea_TVSouthWest 1 1885.2 2005.2
## - home_status_RentfromCouncil_HA 1 1885.2 2005.2
## - family_income_LT_17500GT_EQ_15000 1 1885.2 2005.2
## - region_EastMidlands 1 1885.3 2005.3
## - self_employed_No 1 1885.3 2005.3
## - occupation_partner_Professional 1 1885.3 2005.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2005.3
## - region_SouthWest 1 1885.3 2005.3
## - occupation_partner_Unknown 1 1885.4 2005.4
## - family_income_LT_4000 1 1885.4 2005.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2005.4
## - occupation_partner_ManualWorker 1 1885.4 2005.4
## - TVarea_TyneTees 1 1885.4 2005.4
## - family_income_LT_20000GT_EQ_17500 1 1885.4 2005.4
## - occupation_Retired 1 1885.5 2005.5
## - region_North 1 1885.5 2005.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2005.6
## - home_status_RentPrivately 1 1885.6 2005.6
## - Investment.in.Mutual.Fund 1 1885.6 2005.6
## - TVarea_Carlton 1 1885.6 2005.6
## - occupation_BusinessManager 1 1885.7 2005.7
## - occupation_partner_BusinessManager 1 1885.7 2005.7
## - year_last_moved 1 1885.8 2005.8
## - TVarea_Unknown 1 1885.8 2005.8
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2005.9
## - TVarea_HTV 1 1885.9 2005.9
## - region_WestMidlands 1 1886.1 2006.1
## - status_Single_NeverMarried 1 1886.1 2006.1
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2006.1
## - gender_Female 1 1886.1 2006.1
## - region_EastAnglia 1 1886.3 2006.3
## - occupation_Secretarial_Admin 1 1886.3 2006.3
## - children 1 1886.4 2006.4
## - occupation_Unknown 1 1886.5 2006.5
## - TVarea_Grampian 1 1886.8 2006.8
## - occupation_partner_Housewife 1 1886.8 2006.8
## - occupation_Housewife 1 1886.9 2006.9
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2006.9
## <none> 1885.1 2007.1
## - occupation_partner_Retired 1 1887.3 2007.3
## - status_Divorced_Separated 1 1887.3 2007.3
## - TVarea_ScottishTV 1 1887.5 2007.5
## - TVarea_Anglia 1 1888.5 2008.5
## - status_Partner 1 1888.9 2008.9
## - self_employed_partner_No 1 1889.4 2009.4
## - family_income_LT_30000GT_EQ_27500 1 1889.5 2009.5
## - TVarea_Meridian 1 1889.6 2009.6
## - Balance.Transfer 1 1912.9 2032.9
## - Medical.Insurance 1 1915.2 2035.2
## - Average.A.C.Balance 1 1926.8 2046.8
## - Home.Loan 1 1938.4 2058.4
## - Term.Deposit 1 2028.5 2148.5
## - Life.Insurance 1 2179.8 2299.8
## - Investment.Tax.Saving.Bond 1 2277.0 2397.0
## - Average.Credit.Card.Transaction 1 2319.8 2439.8
## - Personal.Loan 1 2342.0 2462.0
## - Online.Purchase.Amount 1 3199.3 3319.3
##
## Step: AIC=2005.15
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - family_income_LT_8000GT_EQ_4000 1 1885.2 2003.2
## - age 1 1885.2 2003.2
## - occupation_partner_Secretarial_Admin 1 1885.2 2003.2
## - TVarea_TVSouthWest 1 1885.2 2003.2
## - home_status_RentfromCouncil_HA 1 1885.2 2003.2
## - family_income_LT_17500GT_EQ_15000 1 1885.3 2003.3
## - region_EastMidlands 1 1885.3 2003.3
## - self_employed_No 1 1885.3 2003.3
## - occupation_partner_Professional 1 1885.3 2003.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2003.3
## - region_SouthWest 1 1885.3 2003.3
## - family_income_LT_4000 1 1885.4 2003.4
## - occupation_partner_Unknown 1 1885.4 2003.4
## - family_income_LT_27500GT_EQ_25000 1 1885.4 2003.4
## - occupation_partner_ManualWorker 1 1885.4 2003.4
## - TVarea_TyneTees 1 1885.4 2003.4
## - family_income_LT_20000GT_EQ_17500 1 1885.5 2003.5
## - occupation_Retired 1 1885.5 2003.5
## - region_North 1 1885.5 2003.5
## - family_income_LT_12500GT_EQ_10000 1 1885.6 2003.6
## - home_status_RentPrivately 1 1885.6 2003.6
## - Investment.in.Mutual.Fund 1 1885.6 2003.6
## - TVarea_Carlton 1 1885.7 2003.7
## - occupation_BusinessManager 1 1885.7 2003.7
## - occupation_partner_BusinessManager 1 1885.7 2003.7
## - year_last_moved 1 1885.8 2003.8
## - TVarea_Unknown 1 1885.9 2003.9
## - family_income_LT_10000GT_EQ_8000 1 1885.9 2003.9
## - TVarea_HTV 1 1885.9 2003.9
## - status_Single_NeverMarried 1 1886.1 2004.1
## - region_WestMidlands 1 1886.1 2004.1
## - family_income_LT_22500GT_EQ_20000 1 1886.1 2004.1
## - gender_Female 1 1886.2 2004.2
## - region_EastAnglia 1 1886.3 2004.3
## - children 1 1886.4 2004.4
## - occupation_Secretarial_Admin 1 1886.5 2004.5
## - occupation_Unknown 1 1886.5 2004.5
## - TVarea_Grampian 1 1886.8 2004.8
## - occupation_partner_Housewife 1 1886.8 2004.8
## - family_income_LT_25000GT_EQ_22500 1 1886.9 2004.9
## - occupation_Housewife 1 1887.0 2005.0
## <none> 1885.2 2005.2
## - status_Divorced_Separated 1 1887.3 2005.3
## - occupation_partner_Retired 1 1887.3 2005.3
## - TVarea_ScottishTV 1 1887.5 2005.5
## - TVarea_Anglia 1 1888.5 2006.5
## - status_Partner 1 1888.9 2006.9
## - self_employed_partner_No 1 1889.4 2007.4
## - family_income_LT_30000GT_EQ_27500 1 1889.6 2007.6
## - TVarea_Meridian 1 1889.7 2007.7
## - Balance.Transfer 1 1913.0 2031.0
## - Medical.Insurance 1 1915.2 2033.2
## - Average.A.C.Balance 1 1926.8 2044.8
## - Home.Loan 1 1938.4 2056.4
## - Term.Deposit 1 2028.5 2146.5
## - Life.Insurance 1 2179.9 2297.9
## - Investment.Tax.Saving.Bond 1 2277.0 2395.0
## - Average.Credit.Card.Transaction 1 2320.2 2438.2
## - Personal.Loan 1 2342.4 2460.4
## - Online.Purchase.Amount 1 3199.4 3317.4
##
## Step: AIC=2003.19
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_15000GT_EQ_12500 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - occupation_partner_Secretarial_Admin 1 1885.2 2001.2
## - age 1 1885.2 2001.2
## - TVarea_TVSouthWest 1 1885.2 2001.2
## - home_status_RentfromCouncil_HA 1 1885.3 2001.3
## - region_EastMidlands 1 1885.3 2001.3
## - self_employed_No 1 1885.3 2001.3
## - occupation_partner_Professional 1 1885.3 2001.3
## - family_income_LT_15000GT_EQ_12500 1 1885.3 2001.3
## - family_income_LT_17500GT_EQ_15000 1 1885.3 2001.3
## - region_SouthWest 1 1885.4 2001.4
## - family_income_LT_4000 1 1885.4 2001.4
## - occupation_partner_Unknown 1 1885.4 2001.4
## - occupation_partner_ManualWorker 1 1885.5 2001.5
## - TVarea_TyneTees 1 1885.5 2001.5
## - family_income_LT_27500GT_EQ_25000 1 1885.5 2001.5
## - occupation_Retired 1 1885.5 2001.5
## - family_income_LT_20000GT_EQ_17500 1 1885.6 2001.6
## - region_North 1 1885.6 2001.6
## - Investment.in.Mutual.Fund 1 1885.7 2001.7
## - TVarea_Carlton 1 1885.7 2001.7
## - home_status_RentPrivately 1 1885.7 2001.7
## - occupation_partner_BusinessManager 1 1885.7 2001.7
## - occupation_BusinessManager 1 1885.7 2001.7
## - family_income_LT_12500GT_EQ_10000 1 1885.8 2001.8
## - year_last_moved 1 1885.8 2001.8
## - TVarea_Unknown 1 1885.9 2001.9
## - TVarea_HTV 1 1886.0 2002.0
## - region_WestMidlands 1 1886.1 2002.1
## - family_income_LT_10000GT_EQ_8000 1 1886.1 2002.1
## - status_Single_NeverMarried 1 1886.2 2002.2
## - gender_Female 1 1886.3 2002.3
## - region_EastAnglia 1 1886.3 2002.3
## - family_income_LT_22500GT_EQ_20000 1 1886.3 2002.3
## - children 1 1886.4 2002.4
## - occupation_Secretarial_Admin 1 1886.5 2002.5
## - occupation_Unknown 1 1886.6 2002.6
## - TVarea_Grampian 1 1886.8 2002.8
## - occupation_partner_Housewife 1 1886.8 2002.8
## - occupation_Housewife 1 1887.1 2003.1
## - family_income_LT_25000GT_EQ_22500 1 1887.2 2003.2
## <none> 1885.2 2003.2
## - occupation_partner_Retired 1 1887.4 2003.4
## - status_Divorced_Separated 1 1887.4 2003.4
## - TVarea_ScottishTV 1 1887.5 2003.5
## - TVarea_Anglia 1 1888.5 2004.5
## - status_Partner 1 1889.1 2005.1
## - self_employed_partner_No 1 1889.5 2005.5
## - TVarea_Meridian 1 1889.7 2005.7
## - family_income_LT_30000GT_EQ_27500 1 1890.0 2006.0
## - Balance.Transfer 1 1913.0 2029.0
## - Medical.Insurance 1 1915.3 2031.3
## - Average.A.C.Balance 1 1926.9 2042.9
## - Home.Loan 1 1938.4 2054.4
## - Term.Deposit 1 2028.7 2144.7
## - Life.Insurance 1 2180.9 2296.9
## - Investment.Tax.Saving.Bond 1 2277.0 2393.0
## - Average.Credit.Card.Transaction 1 2320.4 2436.4
## - Personal.Loan 1 2342.5 2458.5
## - Online.Purchase.Amount 1 3200.0 3316.0
##
## Step: AIC=2001.24
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Professional + occupation_partner_Unknown +
## home_status_RentPrivately + home_status_RentfromCouncil_HA +
## family_income_LT_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - age 1 1885.3 1999.3
## - TVarea_TVSouthWest 1 1885.3 1999.3
## - home_status_RentfromCouncil_HA 1 1885.3 1999.3
## - occupation_partner_Professional 1 1885.3 1999.3
## - region_EastMidlands 1 1885.3 1999.3
## - self_employed_No 1 1885.4 1999.4
## - family_income_LT_15000GT_EQ_12500 1 1885.4 1999.4
## - family_income_LT_17500GT_EQ_15000 1 1885.4 1999.4
## - region_SouthWest 1 1885.4 1999.4
## - family_income_LT_4000 1 1885.4 1999.4
## - occupation_partner_Unknown 1 1885.5 1999.5
## - occupation_partner_ManualWorker 1 1885.5 1999.5
## - TVarea_TyneTees 1 1885.5 1999.5
## - family_income_LT_27500GT_EQ_25000 1 1885.6 1999.6
## - occupation_Retired 1 1885.6 1999.6
## - region_North 1 1885.6 1999.6
## - family_income_LT_20000GT_EQ_17500 1 1885.6 1999.6
## - Investment.in.Mutual.Fund 1 1885.7 1999.7
## - home_status_RentPrivately 1 1885.7 1999.7
## - TVarea_Carlton 1 1885.7 1999.7
## - occupation_BusinessManager 1 1885.8 1999.8
## - family_income_LT_12500GT_EQ_10000 1 1885.8 1999.8
## - occupation_partner_BusinessManager 1 1885.8 1999.8
## - year_last_moved 1 1885.9 1999.9
## - TVarea_Unknown 1 1885.9 1999.9
## - TVarea_HTV 1 1886.0 2000.0
## - region_WestMidlands 1 1886.2 2000.2
## - family_income_LT_10000GT_EQ_8000 1 1886.2 2000.2
## - status_Single_NeverMarried 1 1886.2 2000.2
## - gender_Female 1 1886.3 2000.3
## - region_EastAnglia 1 1886.4 2000.4
## - family_income_LT_22500GT_EQ_20000 1 1886.4 2000.4
## - children 1 1886.5 2000.5
## - occupation_Secretarial_Admin 1 1886.6 2000.6
## - occupation_Unknown 1 1886.6 2000.6
## - TVarea_Grampian 1 1886.9 2000.9
## - occupation_Housewife 1 1887.1 2001.1
## <none> 1885.2 2001.2
## - family_income_LT_25000GT_EQ_22500 1 1887.2 2001.2
## - occupation_partner_Housewife 1 1887.4 2001.4
## - status_Divorced_Separated 1 1887.5 2001.5
## - TVarea_ScottishTV 1 1887.6 2001.6
## - occupation_partner_Retired 1 1888.3 2002.3
## - TVarea_Anglia 1 1888.6 2002.6
## - status_Partner 1 1889.1 2003.1
## - self_employed_partner_No 1 1889.6 2003.6
## - TVarea_Meridian 1 1889.7 2003.7
## - family_income_LT_30000GT_EQ_27500 1 1890.0 2004.0
## - Balance.Transfer 1 1913.0 2027.0
## - Medical.Insurance 1 1915.3 2029.3
## - Average.A.C.Balance 1 1927.0 2041.0
## - Home.Loan 1 1938.4 2052.4
## - Term.Deposit 1 2029.1 2143.1
## - Life.Insurance 1 2181.0 2295.0
## - Investment.Tax.Saving.Bond 1 2277.1 2391.1
## - Average.Credit.Card.Transaction 1 2320.4 2434.4
## - Personal.Loan 1 2342.9 2456.9
## - Online.Purchase.Amount 1 3200.5 3314.5
##
## Step: AIC=1999.28
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Professional + occupation_partner_Unknown +
## home_status_RentPrivately + home_status_RentfromCouncil_HA +
## family_income_LT_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - TVarea_TVSouthWest 1 1885.3 1997.3
## - home_status_RentfromCouncil_HA 1 1885.3 1997.3
## - occupation_partner_Professional 1 1885.4 1997.4
## - region_EastMidlands 1 1885.4 1997.4
## - self_employed_No 1 1885.4 1997.4
## - family_income_LT_15000GT_EQ_12500 1 1885.4 1997.4
## - family_income_LT_17500GT_EQ_15000 1 1885.4 1997.4
## - region_SouthWest 1 1885.5 1997.5
## - family_income_LT_4000 1 1885.5 1997.5
## - occupation_partner_Unknown 1 1885.5 1997.5
## - occupation_partner_ManualWorker 1 1885.5 1997.5
## - occupation_Retired 1 1885.6 1997.6
## - TVarea_TyneTees 1 1885.6 1997.6
## - family_income_LT_27500GT_EQ_25000 1 1885.6 1997.6
## - region_North 1 1885.7 1997.7
## - family_income_LT_20000GT_EQ_17500 1 1885.7 1997.7
## - home_status_RentPrivately 1 1885.8 1997.8
## - Investment.in.Mutual.Fund 1 1885.8 1997.8
## - TVarea_Carlton 1 1885.8 1997.8
## - occupation_BusinessManager 1 1885.8 1997.8
## - family_income_LT_12500GT_EQ_10000 1 1885.8 1997.8
## - occupation_partner_BusinessManager 1 1885.9 1997.9
## - year_last_moved 1 1885.9 1997.9
## - TVarea_Unknown 1 1886.0 1998.0
## - TVarea_HTV 1 1886.1 1998.1
## - family_income_LT_10000GT_EQ_8000 1 1886.2 1998.2
## - region_WestMidlands 1 1886.2 1998.2
## - gender_Female 1 1886.3 1998.3
## - region_EastAnglia 1 1886.4 1998.4
## - family_income_LT_22500GT_EQ_20000 1 1886.5 1998.5
## - status_Single_NeverMarried 1 1886.5 1998.5
## - occupation_Secretarial_Admin 1 1886.6 1998.6
## - occupation_Unknown 1 1886.6 1998.6
## - children 1 1886.8 1998.8
## - TVarea_Grampian 1 1886.9 1998.9
## - occupation_Housewife 1 1887.2 1999.2
## - family_income_LT_25000GT_EQ_22500 1 1887.3 1999.3
## <none> 1885.3 1999.3
## - occupation_partner_Housewife 1 1887.5 1999.5
## - status_Divorced_Separated 1 1887.6 1999.6
## - TVarea_ScottishTV 1 1887.7 1999.7
## - occupation_partner_Retired 1 1888.6 2000.6
## - TVarea_Anglia 1 1888.6 2000.6
## - status_Partner 1 1889.3 2001.3
## - self_employed_partner_No 1 1889.6 2001.6
## - TVarea_Meridian 1 1889.8 2001.8
## - family_income_LT_30000GT_EQ_27500 1 1890.1 2002.1
## - Balance.Transfer 1 1913.1 2025.1
## - Medical.Insurance 1 1915.4 2027.4
## - Average.A.C.Balance 1 1927.0 2039.0
## - Home.Loan 1 1938.5 2050.5
## - Term.Deposit 1 2029.2 2141.2
## - Life.Insurance 1 2181.0 2293.0
## - Investment.Tax.Saving.Bond 1 2277.1 2389.1
## - Average.Credit.Card.Transaction 1 2320.4 2432.4
## - Personal.Loan 1 2343.2 2455.2
## - Online.Purchase.Amount 1 3200.5 3312.5
##
## Step: AIC=1997.34
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Professional + occupation_partner_Unknown +
## home_status_RentPrivately + home_status_RentfromCouncil_HA +
## family_income_LT_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_EastMidlands +
## region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - home_status_RentfromCouncil_HA 1 1885.4 1995.4
## - occupation_partner_Professional 1 1885.4 1995.4
## - region_EastMidlands 1 1885.4 1995.4
## - region_SouthWest 1 1885.5 1995.5
## - self_employed_No 1 1885.5 1995.5
## - family_income_LT_17500GT_EQ_15000 1 1885.5 1995.5
## - family_income_LT_15000GT_EQ_12500 1 1885.5 1995.5
## - family_income_LT_4000 1 1885.6 1995.6
## - occupation_partner_Unknown 1 1885.6 1995.6
## - occupation_partner_ManualWorker 1 1885.6 1995.6
## - occupation_Retired 1 1885.6 1995.6
## - TVarea_TyneTees 1 1885.6 1995.6
## - family_income_LT_27500GT_EQ_25000 1 1885.7 1995.7
## - region_North 1 1885.7 1995.7
## - family_income_LT_20000GT_EQ_17500 1 1885.7 1995.7
## - TVarea_Carlton 1 1885.8 1995.8
## - home_status_RentPrivately 1 1885.8 1995.8
## - Investment.in.Mutual.Fund 1 1885.8 1995.8
## - occupation_BusinessManager 1 1885.9 1995.9
## - family_income_LT_12500GT_EQ_10000 1 1885.9 1995.9
## - occupation_partner_BusinessManager 1 1885.9 1995.9
## - year_last_moved 1 1886.0 1996.0
## - TVarea_Unknown 1 1886.0 1996.0
## - TVarea_HTV 1 1886.1 1996.1
## - region_WestMidlands 1 1886.2 1996.2
## - family_income_LT_10000GT_EQ_8000 1 1886.3 1996.3
## - gender_Female 1 1886.4 1996.4
## - region_EastAnglia 1 1886.5 1996.5
## - family_income_LT_22500GT_EQ_20000 1 1886.5 1996.5
## - status_Single_NeverMarried 1 1886.6 1996.6
## - occupation_Secretarial_Admin 1 1886.7 1996.7
## - occupation_Unknown 1 1886.7 1996.7
## - children 1 1886.9 1996.9
## - TVarea_Grampian 1 1887.0 1997.0
## - occupation_Housewife 1 1887.3 1997.3
## - family_income_LT_25000GT_EQ_22500 1 1887.3 1997.3
## <none> 1885.3 1997.3
## - occupation_partner_Housewife 1 1887.5 1997.5
## - status_Divorced_Separated 1 1887.7 1997.7
## - TVarea_ScottishTV 1 1887.8 1997.8
## - occupation_partner_Retired 1 1888.6 1998.6
## - TVarea_Anglia 1 1888.7 1998.7
## - status_Partner 1 1889.4 1999.4
## - self_employed_partner_No 1 1889.6 1999.6
## - TVarea_Meridian 1 1889.8 1999.8
## - family_income_LT_30000GT_EQ_27500 1 1890.2 2000.2
## - Balance.Transfer 1 1913.1 2023.1
## - Medical.Insurance 1 1915.4 2025.4
## - Average.A.C.Balance 1 1927.0 2037.0
## - Home.Loan 1 1938.5 2048.5
## - Term.Deposit 1 2029.4 2139.4
## - Life.Insurance 1 2181.2 2291.2
## - Investment.Tax.Saving.Bond 1 2277.3 2387.3
## - Average.Credit.Card.Transaction 1 2320.4 2430.4
## - Personal.Loan 1 2344.3 2454.3
## - Online.Purchase.Amount 1 3200.6 3310.6
##
## Step: AIC=1995.4
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Professional + occupation_partner_Unknown +
## home_status_RentPrivately + family_income_LT_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_EastMidlands +
## region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - occupation_partner_Professional 1 1885.5 1993.5
## - region_EastMidlands 1 1885.5 1993.5
## - region_SouthWest 1 1885.5 1993.5
## - self_employed_No 1 1885.5 1993.5
## - family_income_LT_17500GT_EQ_15000 1 1885.5 1993.5
## - family_income_LT_15000GT_EQ_12500 1 1885.6 1993.6
## - family_income_LT_4000 1 1885.6 1993.6
## - occupation_partner_Unknown 1 1885.6 1993.6
## - occupation_partner_ManualWorker 1 1885.7 1993.7
## - occupation_Retired 1 1885.7 1993.7
## - TVarea_TyneTees 1 1885.7 1993.7
## - family_income_LT_27500GT_EQ_25000 1 1885.7 1993.7
## - region_North 1 1885.8 1993.8
## - family_income_LT_20000GT_EQ_17500 1 1885.8 1993.8
## - TVarea_Carlton 1 1885.8 1993.8
## - Investment.in.Mutual.Fund 1 1885.9 1993.9
## - home_status_RentPrivately 1 1885.9 1993.9
## - occupation_BusinessManager 1 1885.9 1993.9
## - family_income_LT_12500GT_EQ_10000 1 1886.0 1994.0
## - occupation_partner_BusinessManager 1 1886.0 1994.0
## - year_last_moved 1 1886.0 1994.0
## - TVarea_Unknown 1 1886.1 1994.1
## - TVarea_HTV 1 1886.1 1994.1
## - region_WestMidlands 1 1886.3 1994.3
## - family_income_LT_10000GT_EQ_8000 1 1886.4 1994.4
## - gender_Female 1 1886.5 1994.5
## - region_EastAnglia 1 1886.5 1994.5
## - family_income_LT_22500GT_EQ_20000 1 1886.6 1994.6
## - status_Single_NeverMarried 1 1886.7 1994.7
## - occupation_Secretarial_Admin 1 1886.7 1994.7
## - occupation_Unknown 1 1886.8 1994.8
## - children 1 1887.0 1995.0
## - TVarea_Grampian 1 1887.0 1995.0
## - occupation_Housewife 1 1887.3 1995.3
## - family_income_LT_25000GT_EQ_22500 1 1887.3 1995.3
## <none> 1885.4 1995.4
## - occupation_partner_Housewife 1 1887.6 1995.6
## - status_Divorced_Separated 1 1887.8 1995.8
## - TVarea_ScottishTV 1 1888.0 1996.0
## - occupation_partner_Retired 1 1888.7 1996.7
## - TVarea_Anglia 1 1888.7 1996.7
## - status_Partner 1 1889.5 1997.5
## - self_employed_partner_No 1 1889.7 1997.7
## - TVarea_Meridian 1 1889.9 1997.9
## - family_income_LT_30000GT_EQ_27500 1 1890.2 1998.2
## - Balance.Transfer 1 1913.1 2021.1
## - Medical.Insurance 1 1915.5 2023.5
## - Average.A.C.Balance 1 1927.1 2035.1
## - Home.Loan 1 1938.6 2046.6
## - Term.Deposit 1 2029.4 2137.4
## - Life.Insurance 1 2181.2 2289.2
## - Investment.Tax.Saving.Bond 1 2277.9 2385.9
## - Average.Credit.Card.Transaction 1 2320.8 2428.8
## - Personal.Loan 1 2344.5 2452.5
## - Online.Purchase.Amount 1 3200.7 3308.7
##
## Step: AIC=1993.49
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## family_income_LT_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_EastMidlands +
## region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - region_EastMidlands 1 1885.6 1991.6
## - family_income_LT_15000GT_EQ_12500 1 1885.6 1991.6
## - occupation_partner_Unknown 1 1885.6 1991.6
## - region_SouthWest 1 1885.6 1991.6
## - self_employed_No 1 1885.6 1991.6
## - occupation_partner_ManualWorker 1 1885.7 1991.7
## - family_income_LT_4000 1 1885.7 1991.7
## - family_income_LT_17500GT_EQ_15000 1 1885.7 1991.7
## - occupation_Retired 1 1885.8 1991.8
## - TVarea_TyneTees 1 1885.8 1991.8
## - region_North 1 1885.9 1991.9
## - family_income_LT_27500GT_EQ_25000 1 1885.9 1991.9
## - TVarea_Carlton 1 1885.9 1991.9
## - family_income_LT_20000GT_EQ_17500 1 1885.9 1991.9
## - home_status_RentPrivately 1 1886.0 1992.0
## - Investment.in.Mutual.Fund 1 1886.0 1992.0
## - occupation_partner_BusinessManager 1 1886.0 1992.0
## - occupation_BusinessManager 1 1886.1 1992.1
## - year_last_moved 1 1886.1 1992.1
## - family_income_LT_12500GT_EQ_10000 1 1886.1 1992.1
## - TVarea_Unknown 1 1886.2 1992.2
## - TVarea_HTV 1 1886.2 1992.2
## - region_WestMidlands 1 1886.4 1992.4
## - family_income_LT_10000GT_EQ_8000 1 1886.6 1992.6
## - region_EastAnglia 1 1886.6 1992.6
## - gender_Female 1 1886.8 1992.8
## - family_income_LT_22500GT_EQ_20000 1 1886.8 1992.8
## - status_Single_NeverMarried 1 1886.8 1992.8
## - occupation_Secretarial_Admin 1 1886.8 1992.8
## - occupation_Unknown 1 1886.9 1992.9
## - children 1 1887.0 1993.0
## - TVarea_Grampian 1 1887.1 1993.1
## - occupation_Housewife 1 1887.5 1993.5
## <none> 1885.5 1993.5
## - family_income_LT_25000GT_EQ_22500 1 1887.5 1993.5
## - occupation_partner_Housewife 1 1887.7 1993.7
## - status_Divorced_Separated 1 1887.9 1993.9
## - TVarea_ScottishTV 1 1888.0 1994.0
## - TVarea_Anglia 1 1888.8 1994.8
## - occupation_partner_Retired 1 1889.3 1995.3
## - status_Partner 1 1889.6 1995.6
## - self_employed_partner_No 1 1889.7 1995.7
## - TVarea_Meridian 1 1890.1 1996.1
## - family_income_LT_30000GT_EQ_27500 1 1890.4 1996.4
## - Balance.Transfer 1 1913.2 2019.2
## - Medical.Insurance 1 1915.8 2021.8
## - Average.A.C.Balance 1 1927.1 2033.1
## - Home.Loan 1 1938.6 2044.6
## - Term.Deposit 1 2029.6 2135.6
## - Life.Insurance 1 2182.1 2288.1
## - Investment.Tax.Saving.Bond 1 2278.1 2384.1
## - Average.Credit.Card.Transaction 1 2321.2 2427.2
## - Personal.Loan 1 2344.6 2450.6
## - Online.Purchase.Amount 1 3200.7 3306.7
##
## Step: AIC=1991.6
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## family_income_LT_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest
##
## Df Deviance AIC
## - family_income_LT_15000GT_EQ_12500 1 1885.7 1989.7
## - occupation_partner_Unknown 1 1885.7 1989.7
## - self_employed_No 1 1885.7 1989.7
## - occupation_partner_ManualWorker 1 1885.8 1989.8
## - family_income_LT_4000 1 1885.8 1989.8
## - region_SouthWest 1 1885.8 1989.8
## - family_income_LT_17500GT_EQ_15000 1 1885.8 1989.8
## - occupation_Retired 1 1885.9 1989.9
## - TVarea_TyneTees 1 1885.9 1989.9
## - region_North 1 1885.9 1989.9
## - TVarea_Carlton 1 1886.0 1990.0
## - family_income_LT_27500GT_EQ_25000 1 1886.0 1990.0
## - family_income_LT_20000GT_EQ_17500 1 1886.1 1990.1
## - home_status_RentPrivately 1 1886.1 1990.1
## - occupation_partner_BusinessManager 1 1886.1 1990.1
## - Investment.in.Mutual.Fund 1 1886.1 1990.1
## - occupation_BusinessManager 1 1886.2 1990.2
## - TVarea_Unknown 1 1886.2 1990.2
## - year_last_moved 1 1886.2 1990.2
## - TVarea_HTV 1 1886.3 1990.3
## - family_income_LT_12500GT_EQ_10000 1 1886.3 1990.3
## - region_WestMidlands 1 1886.4 1990.4
## - family_income_LT_10000GT_EQ_8000 1 1886.7 1990.7
## - region_EastAnglia 1 1886.8 1990.8
## - gender_Female 1 1886.9 1990.9
## - family_income_LT_22500GT_EQ_20000 1 1886.9 1990.9
## - status_Single_NeverMarried 1 1886.9 1990.9
## - occupation_Secretarial_Admin 1 1887.0 1991.0
## - occupation_Unknown 1 1887.0 1991.0
## - children 1 1887.2 1991.2
## - TVarea_Grampian 1 1887.2 1991.2
## <none> 1885.6 1991.6
## - occupation_Housewife 1 1887.6 1991.6
## - family_income_LT_25000GT_EQ_22500 1 1887.7 1991.7
## - occupation_partner_Housewife 1 1887.8 1991.8
## - status_Divorced_Separated 1 1888.0 1992.0
## - TVarea_ScottishTV 1 1888.5 1992.5
## - TVarea_Anglia 1 1888.9 1992.9
## - occupation_partner_Retired 1 1889.4 1993.4
## - status_Partner 1 1889.7 1993.7
## - self_employed_partner_No 1 1889.8 1993.8
## - TVarea_Meridian 1 1890.1 1994.1
## - family_income_LT_30000GT_EQ_27500 1 1890.5 1994.5
## - Balance.Transfer 1 1913.3 2017.3
## - Medical.Insurance 1 1915.9 2019.9
## - Average.A.C.Balance 1 1927.3 2031.3
## - Home.Loan 1 1938.7 2042.7
## - Term.Deposit 1 2030.0 2134.0
## - Life.Insurance 1 2182.3 2286.3
## - Investment.Tax.Saving.Bond 1 2278.5 2382.5
## - Average.Credit.Card.Transaction 1 2322.1 2426.1
## - Personal.Loan 1 2345.4 2449.4
## - Online.Purchase.Amount 1 3201.1 3305.1
##
## Step: AIC=1989.73
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## family_income_LT_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + TVarea_Carlton +
## gender_Female + region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest
##
## Df Deviance AIC
## - family_income_LT_4000 1 1885.9 1987.9
## - self_employed_No 1 1885.9 1987.9
## - occupation_partner_Unknown 1 1885.9 1987.9
## - region_SouthWest 1 1885.9 1987.9
## - occupation_partner_ManualWorker 1 1885.9 1987.9
## - occupation_Retired 1 1886.0 1988.0
## - family_income_LT_17500GT_EQ_15000 1 1886.0 1988.0
## - TVarea_TyneTees 1 1886.0 1988.0
## - region_North 1 1886.1 1988.1
## - TVarea_Carlton 1 1886.1 1988.1
## - home_status_RentPrivately 1 1886.2 1988.2
## - occupation_partner_BusinessManager 1 1886.2 1988.2
## - family_income_LT_27500GT_EQ_25000 1 1886.2 1988.2
## - Investment.in.Mutual.Fund 1 1886.2 1988.2
## - occupation_BusinessManager 1 1886.3 1988.3
## - family_income_LT_20000GT_EQ_17500 1 1886.3 1988.3
## - year_last_moved 1 1886.3 1988.3
## - TVarea_Unknown 1 1886.4 1988.4
## - TVarea_HTV 1 1886.4 1988.4
## - region_WestMidlands 1 1886.6 1988.6
## - family_income_LT_12500GT_EQ_10000 1 1886.6 1988.6
## - region_EastAnglia 1 1887.0 1989.0
## - gender_Female 1 1887.0 1989.0
## - status_Single_NeverMarried 1 1887.0 1989.0
## - family_income_LT_10000GT_EQ_8000 1 1887.1 1989.1
## - occupation_Unknown 1 1887.1 1989.1
## - occupation_Secretarial_Admin 1 1887.1 1989.1
## - family_income_LT_22500GT_EQ_20000 1 1887.3 1989.3
## - TVarea_Grampian 1 1887.3 1989.3
## - children 1 1887.4 1989.4
## <none> 1885.7 1989.7
## - occupation_Housewife 1 1887.8 1989.8
## - occupation_partner_Housewife 1 1888.0 1990.0
## - status_Divorced_Separated 1 1888.1 1990.1
## - family_income_LT_25000GT_EQ_22500 1 1888.2 1990.2
## - TVarea_ScottishTV 1 1888.6 1990.6
## - TVarea_Anglia 1 1889.1 1991.1
## - occupation_partner_Retired 1 1889.7 1991.7
## - status_Partner 1 1889.9 1991.9
## - self_employed_partner_No 1 1890.0 1992.0
## - TVarea_Meridian 1 1890.2 1992.2
## - family_income_LT_30000GT_EQ_27500 1 1891.2 1993.2
## - Balance.Transfer 1 1913.5 2015.5
## - Medical.Insurance 1 1916.0 2018.0
## - Average.A.C.Balance 1 1927.8 2029.8
## - Home.Loan 1 1938.8 2040.8
## - Term.Deposit 1 2030.0 2132.0
## - Life.Insurance 1 2182.9 2284.9
## - Investment.Tax.Saving.Bond 1 2279.5 2381.5
## - Average.Credit.Card.Transaction 1 2322.1 2424.1
## - Personal.Loan 1 2345.4 2447.4
## - Online.Purchase.Amount 1 3201.5 3303.5
##
## Step: AIC=1987.85
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest
##
## Df Deviance AIC
## - self_employed_No 1 1886.0 1986.0
## - region_SouthWest 1 1886.0 1986.0
## - occupation_partner_Unknown 1 1886.0 1986.0
## - occupation_partner_ManualWorker 1 1886.1 1986.1
## - occupation_Retired 1 1886.1 1986.1
## - TVarea_TyneTees 1 1886.2 1986.2
## - family_income_LT_17500GT_EQ_15000 1 1886.2 1986.2
## - region_North 1 1886.2 1986.2
## - TVarea_Carlton 1 1886.2 1986.2
## - occupation_partner_BusinessManager 1 1886.4 1986.4
## - Investment.in.Mutual.Fund 1 1886.4 1986.4
## - home_status_RentPrivately 1 1886.4 1986.4
## - occupation_BusinessManager 1 1886.4 1986.4
## - family_income_LT_27500GT_EQ_25000 1 1886.4 1986.4
## - year_last_moved 1 1886.5 1986.5
## - TVarea_Unknown 1 1886.5 1986.5
## - TVarea_HTV 1 1886.5 1986.5
## - family_income_LT_20000GT_EQ_17500 1 1886.5 1986.5
## - region_WestMidlands 1 1886.7 1986.7
## - family_income_LT_12500GT_EQ_10000 1 1886.8 1986.8
## - region_EastAnglia 1 1887.1 1987.1
## - gender_Female 1 1887.1 1987.1
## - status_Single_NeverMarried 1 1887.2 1987.2
## - occupation_Unknown 1 1887.2 1987.2
## - occupation_Secretarial_Admin 1 1887.3 1987.3
## - family_income_LT_10000GT_EQ_8000 1 1887.4 1987.4
## - TVarea_Grampian 1 1887.5 1987.5
## - children 1 1887.5 1987.5
## - family_income_LT_22500GT_EQ_20000 1 1887.5 1987.5
## <none> 1885.9 1987.9
## - occupation_Housewife 1 1888.0 1988.0
## - occupation_partner_Housewife 1 1888.1 1988.1
## - status_Divorced_Separated 1 1888.3 1988.3
## - family_income_LT_25000GT_EQ_22500 1 1888.4 1988.4
## - TVarea_ScottishTV 1 1888.8 1988.8
## - TVarea_Anglia 1 1889.2 1989.2
## - occupation_partner_Retired 1 1889.9 1989.9
## - self_employed_partner_No 1 1890.2 1990.2
## - status_Partner 1 1890.2 1990.2
## - TVarea_Meridian 1 1890.3 1990.3
## - family_income_LT_30000GT_EQ_27500 1 1891.6 1991.6
## - Balance.Transfer 1 1913.7 2013.7
## - Medical.Insurance 1 1916.1 2016.1
## - Average.A.C.Balance 1 1927.9 2027.9
## - Home.Loan 1 1939.0 2039.0
## - Term.Deposit 1 2030.2 2130.2
## - Life.Insurance 1 2183.1 2283.1
## - Investment.Tax.Saving.Bond 1 2279.8 2379.8
## - Average.Credit.Card.Transaction 1 2322.5 2422.5
## - Personal.Loan 1 2345.5 2445.5
## - Online.Purchase.Amount 1 3202.8 3302.8
##
## Step: AIC=1986
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - occupation_partner_Unknown 1 1886.2 1984.2
## - region_SouthWest 1 1886.2 1984.2
## - occupation_partner_ManualWorker 1 1886.2 1984.2
## - occupation_Retired 1 1886.2 1984.2
## - family_income_LT_17500GT_EQ_15000 1 1886.3 1984.3
## - TVarea_TyneTees 1 1886.3 1984.3
## - region_North 1 1886.3 1984.3
## - TVarea_Carlton 1 1886.4 1984.4
## - Investment.in.Mutual.Fund 1 1886.5 1984.5
## - occupation_partner_BusinessManager 1 1886.5 1984.5
## - home_status_RentPrivately 1 1886.5 1984.5
## - year_last_moved 1 1886.6 1984.6
## - family_income_LT_27500GT_EQ_25000 1 1886.6 1984.6
## - occupation_BusinessManager 1 1886.6 1984.6
## - TVarea_Unknown 1 1886.6 1984.6
## - TVarea_HTV 1 1886.7 1984.7
## - family_income_LT_20000GT_EQ_17500 1 1886.7 1984.7
## - region_WestMidlands 1 1886.9 1984.9
## - family_income_LT_12500GT_EQ_10000 1 1887.0 1985.0
## - region_EastAnglia 1 1887.2 1985.2
## - gender_Female 1 1887.2 1985.2
## - occupation_Unknown 1 1887.2 1985.2
## - occupation_Secretarial_Admin 1 1887.4 1985.4
## - status_Single_NeverMarried 1 1887.4 1985.4
## - family_income_LT_10000GT_EQ_8000 1 1887.5 1985.5
## - TVarea_Grampian 1 1887.6 1985.6
## - children 1 1887.6 1985.6
## - family_income_LT_22500GT_EQ_20000 1 1887.6 1985.6
## <none> 1886.0 1986.0
## - occupation_Housewife 1 1888.1 1986.1
## - occupation_partner_Housewife 1 1888.3 1986.3
## - status_Divorced_Separated 1 1888.4 1986.4
## - family_income_LT_25000GT_EQ_22500 1 1888.5 1986.5
## - TVarea_ScottishTV 1 1888.9 1986.9
## - TVarea_Anglia 1 1889.3 1987.3
## - occupation_partner_Retired 1 1890.0 1988.0
## - self_employed_partner_No 1 1890.2 1988.2
## - status_Partner 1 1890.4 1988.4
## - TVarea_Meridian 1 1890.5 1988.5
## - family_income_LT_30000GT_EQ_27500 1 1891.7 1989.7
## - Balance.Transfer 1 1914.0 2012.0
## - Medical.Insurance 1 1916.2 2014.2
## - Average.A.C.Balance 1 1928.0 2026.0
## - Home.Loan 1 1939.5 2037.5
## - Term.Deposit 1 2030.2 2128.2
## - Life.Insurance 1 2183.1 2281.1
## - Investment.Tax.Saving.Bond 1 2279.9 2377.9
## - Average.Credit.Card.Transaction 1 2322.6 2420.6
## - Personal.Loan 1 2345.5 2443.5
## - Online.Purchase.Amount 1 3202.8 3300.8
##
## Step: AIC=1984.16
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + TVarea_Carlton +
## gender_Female + region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest
##
## Df Deviance AIC
## - occupation_partner_ManualWorker 1 1886.3 1982.3
## - region_SouthWest 1 1886.3 1982.3
## - occupation_Retired 1 1886.4 1982.4
## - family_income_LT_17500GT_EQ_15000 1 1886.4 1982.4
## - TVarea_TyneTees 1 1886.5 1982.5
## - region_North 1 1886.5 1982.5
## - TVarea_Carlton 1 1886.5 1982.5
## - occupation_partner_BusinessManager 1 1886.6 1982.6
## - Investment.in.Mutual.Fund 1 1886.6 1982.6
## - home_status_RentPrivately 1 1886.7 1982.7
## - occupation_BusinessManager 1 1886.7 1982.7
## - family_income_LT_27500GT_EQ_25000 1 1886.7 1982.7
## - year_last_moved 1 1886.8 1982.8
## - TVarea_Unknown 1 1886.8 1982.8
## - family_income_LT_20000GT_EQ_17500 1 1886.8 1982.8
## - TVarea_HTV 1 1886.8 1982.8
## - region_WestMidlands 1 1887.0 1983.0
## - family_income_LT_12500GT_EQ_10000 1 1887.1 1983.1
## - occupation_Unknown 1 1887.3 1983.3
## - region_EastAnglia 1 1887.4 1983.4
## - gender_Female 1 1887.5 1983.5
## - occupation_Secretarial_Admin 1 1887.5 1983.5
## - family_income_LT_10000GT_EQ_8000 1 1887.6 1983.6
## - status_Single_NeverMarried 1 1887.7 1983.7
## - family_income_LT_22500GT_EQ_20000 1 1887.8 1983.8
## - TVarea_Grampian 1 1887.8 1983.8
## - children 1 1887.9 1983.9
## <none> 1886.2 1984.2
## - occupation_Housewife 1 1888.3 1984.3
## - occupation_partner_Housewife 1 1888.3 1984.3
## - status_Divorced_Separated 1 1888.6 1984.6
## - family_income_LT_25000GT_EQ_22500 1 1888.6 1984.6
## - TVarea_ScottishTV 1 1889.1 1985.1
## - TVarea_Anglia 1 1889.5 1985.5
## - occupation_partner_Retired 1 1890.1 1986.1
## - self_employed_partner_No 1 1890.2 1986.2
## - TVarea_Meridian 1 1890.6 1986.6
## - family_income_LT_30000GT_EQ_27500 1 1891.8 1987.8
## - status_Partner 1 1892.1 1988.1
## - Balance.Transfer 1 1914.2 2010.2
## - Medical.Insurance 1 1916.3 2012.3
## - Average.A.C.Balance 1 1928.2 2024.2
## - Home.Loan 1 1939.5 2035.5
## - Term.Deposit 1 2031.4 2127.4
## - Life.Insurance 1 2183.4 2279.4
## - Investment.Tax.Saving.Bond 1 2280.0 2376.0
## - Average.Credit.Card.Transaction 1 2323.0 2419.0
## - Personal.Loan 1 2345.5 2441.5
## - Online.Purchase.Amount 1 3203.1 3299.1
##
## Step: AIC=1982.27
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_WestMidlands + region_SouthWest
##
## Df Deviance AIC
## - region_SouthWest 1 1886.4 1980.4
## - occupation_Retired 1 1886.5 1980.5
## - family_income_LT_17500GT_EQ_15000 1 1886.5 1980.5
## - TVarea_TyneTees 1 1886.6 1980.6
## - occupation_partner_BusinessManager 1 1886.6 1980.6
## - region_North 1 1886.6 1980.6
## - TVarea_Carlton 1 1886.6 1980.6
## - Investment.in.Mutual.Fund 1 1886.8 1980.8
## - home_status_RentPrivately 1 1886.8 1980.8
## - family_income_LT_27500GT_EQ_25000 1 1886.8 1980.8
## - occupation_BusinessManager 1 1886.8 1980.8
## - family_income_LT_20000GT_EQ_17500 1 1886.9 1980.9
## - year_last_moved 1 1886.9 1980.9
## - TVarea_Unknown 1 1886.9 1980.9
## - TVarea_HTV 1 1886.9 1980.9
## - region_WestMidlands 1 1887.1 1981.1
## - family_income_LT_12500GT_EQ_10000 1 1887.2 1981.2
## - occupation_Unknown 1 1887.4 1981.4
## - region_EastAnglia 1 1887.5 1981.5
## - family_income_LT_10000GT_EQ_8000 1 1887.7 1981.7
## - occupation_Secretarial_Admin 1 1887.7 1981.7
## - status_Single_NeverMarried 1 1887.7 1981.7
## - gender_Female 1 1887.8 1981.8
## - family_income_LT_22500GT_EQ_20000 1 1887.8 1981.8
## - TVarea_Grampian 1 1887.9 1981.9
## - children 1 1888.0 1982.0
## <none> 1886.3 1982.3
## - occupation_partner_Housewife 1 1888.3 1982.3
## - occupation_Housewife 1 1888.4 1982.4
## - family_income_LT_25000GT_EQ_22500 1 1888.7 1982.7
## - status_Divorced_Separated 1 1888.7 1982.7
## - TVarea_ScottishTV 1 1889.2 1983.2
## - TVarea_Anglia 1 1889.7 1983.7
## - occupation_partner_Retired 1 1890.1 1984.1
## - self_employed_partner_No 1 1890.3 1984.3
## - TVarea_Meridian 1 1890.7 1984.7
## - family_income_LT_30000GT_EQ_27500 1 1891.9 1985.9
## - status_Partner 1 1892.1 1986.1
## - Balance.Transfer 1 1914.4 2008.4
## - Medical.Insurance 1 1916.3 2010.3
## - Average.A.C.Balance 1 1928.3 2022.3
## - Home.Loan 1 1939.6 2033.6
## - Term.Deposit 1 2031.9 2125.9
## - Life.Insurance 1 2183.5 2277.5
## - Investment.Tax.Saving.Bond 1 2280.1 2374.1
## - Average.Credit.Card.Transaction 1 2323.0 2417.0
## - Personal.Loan 1 2345.7 2439.7
## - Online.Purchase.Amount 1 3203.1 3297.1
##
## Step: AIC=1980.45
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_WestMidlands
##
## Df Deviance AIC
## - occupation_Retired 1 1886.7 1978.7
## - family_income_LT_17500GT_EQ_15000 1 1886.7 1978.7
## - TVarea_TyneTees 1 1886.7 1978.7
## - occupation_partner_BusinessManager 1 1886.8 1978.8
## - region_North 1 1886.8 1978.8
## - TVarea_Carlton 1 1886.9 1978.9
## - Investment.in.Mutual.Fund 1 1886.9 1978.9
## - TVarea_HTV 1 1887.0 1979.0
## - home_status_RentPrivately 1 1887.0 1979.0
## - family_income_LT_27500GT_EQ_25000 1 1887.0 1979.0
## - year_last_moved 1 1887.0 1979.0
## - family_income_LT_20000GT_EQ_17500 1 1887.0 1979.0
## - occupation_BusinessManager 1 1887.1 1979.1
## - TVarea_Unknown 1 1887.1 1979.1
## - family_income_LT_12500GT_EQ_10000 1 1887.4 1979.4
## - region_WestMidlands 1 1887.4 1979.4
## - occupation_Unknown 1 1887.6 1979.6
## - region_EastAnglia 1 1887.7 1979.7
## - occupation_Secretarial_Admin 1 1887.9 1979.9
## - family_income_LT_10000GT_EQ_8000 1 1887.9 1979.9
## - status_Single_NeverMarried 1 1887.9 1979.9
## - gender_Female 1 1888.0 1980.0
## - family_income_LT_22500GT_EQ_20000 1 1888.0 1980.0
## - TVarea_Grampian 1 1888.1 1980.1
## - children 1 1888.1 1980.1
## <none> 1886.4 1980.4
## - occupation_partner_Housewife 1 1888.5 1980.5
## - occupation_Housewife 1 1888.5 1980.5
## - status_Divorced_Separated 1 1888.9 1980.9
## - family_income_LT_25000GT_EQ_22500 1 1888.9 1980.9
## - TVarea_ScottishTV 1 1889.3 1981.3
## - TVarea_Anglia 1 1890.0 1982.0
## - occupation_partner_Retired 1 1890.2 1982.2
## - self_employed_partner_No 1 1890.6 1982.6
## - TVarea_Meridian 1 1890.9 1982.9
## - family_income_LT_30000GT_EQ_27500 1 1892.1 1984.1
## - status_Partner 1 1892.3 1984.3
## - Balance.Transfer 1 1914.6 2006.6
## - Medical.Insurance 1 1916.5 2008.5
## - Average.A.C.Balance 1 1928.5 2020.5
## - Home.Loan 1 1939.7 2031.7
## - Term.Deposit 1 2031.9 2123.9
## - Life.Insurance 1 2183.6 2275.6
## - Investment.Tax.Saving.Bond 1 2280.1 2372.1
## - Average.Credit.Card.Transaction 1 2323.0 2415.0
## - Personal.Loan 1 2345.8 2437.8
## - Online.Purchase.Amount 1 3203.1 3295.1
##
## Step: AIC=1978.68
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_BusinessManager + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + TVarea_Carlton +
## gender_Female + region_EastAnglia + region_North + region_WestMidlands
##
## Df Deviance AIC
## - family_income_LT_17500GT_EQ_15000 1 1886.9 1976.9
## - TVarea_TyneTees 1 1887.0 1977.0
## - occupation_partner_BusinessManager 1 1887.0 1977.0
## - region_North 1 1887.0 1977.0
## - TVarea_Carlton 1 1887.1 1977.1
## - Investment.in.Mutual.Fund 1 1887.2 1977.2
## - occupation_BusinessManager 1 1887.2 1977.2
## - TVarea_HTV 1 1887.2 1977.2
## - family_income_LT_27500GT_EQ_25000 1 1887.2 1977.2
## - home_status_RentPrivately 1 1887.2 1977.2
## - year_last_moved 1 1887.3 1977.3
## - family_income_LT_20000GT_EQ_17500 1 1887.3 1977.3
## - TVarea_Unknown 1 1887.3 1977.3
## - occupation_Unknown 1 1887.7 1977.7
## - region_WestMidlands 1 1887.7 1977.7
## - family_income_LT_12500GT_EQ_10000 1 1887.7 1977.7
## - status_Single_NeverMarried 1 1887.9 1977.9
## - region_EastAnglia 1 1888.0 1978.0
## - children 1 1888.2 1978.2
## - gender_Female 1 1888.2 1978.2
## - family_income_LT_10000GT_EQ_8000 1 1888.3 1978.3
## - family_income_LT_22500GT_EQ_20000 1 1888.3 1978.3
## - TVarea_Grampian 1 1888.4 1978.4
## - occupation_Secretarial_Admin 1 1888.6 1978.6
## - occupation_partner_Housewife 1 1888.6 1978.6
## <none> 1886.7 1978.7
## - status_Divorced_Separated 1 1888.9 1978.9
## - family_income_LT_25000GT_EQ_22500 1 1889.2 1979.2
## - occupation_Housewife 1 1889.4 1979.4
## - TVarea_ScottishTV 1 1889.5 1979.5
## - TVarea_Anglia 1 1890.3 1980.3
## - occupation_partner_Retired 1 1890.6 1980.6
## - self_employed_partner_No 1 1890.9 1980.9
## - TVarea_Meridian 1 1891.2 1981.2
## - family_income_LT_30000GT_EQ_27500 1 1892.3 1982.3
## - status_Partner 1 1892.4 1982.4
## - Balance.Transfer 1 1914.8 2004.8
## - Medical.Insurance 1 1916.9 2006.9
## - Average.A.C.Balance 1 1928.9 2018.9
## - Home.Loan 1 1939.9 2029.9
## - Term.Deposit 1 2032.2 2122.2
## - Life.Insurance 1 2183.6 2273.6
## - Investment.Tax.Saving.Bond 1 2281.3 2371.3
## - Average.Credit.Card.Transaction 1 2323.4 2413.4
## - Personal.Loan 1 2346.2 2436.2
## - Online.Purchase.Amount 1 3203.2 3293.2
##
## Step: AIC=1976.94
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_BusinessManager + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_WestMidlands
##
## Df Deviance AIC
## - TVarea_TyneTees 1 1887.2 1975.2
## - occupation_partner_BusinessManager 1 1887.3 1975.3
## - region_North 1 1887.3 1975.3
## - family_income_LT_27500GT_EQ_25000 1 1887.4 1975.4
## - Investment.in.Mutual.Fund 1 1887.4 1975.4
## - occupation_BusinessManager 1 1887.4 1975.4
## - TVarea_Carlton 1 1887.4 1975.4
## - TVarea_HTV 1 1887.5 1975.5
## - home_status_RentPrivately 1 1887.5 1975.5
## - family_income_LT_20000GT_EQ_17500 1 1887.5 1975.5
## - year_last_moved 1 1887.6 1975.6
## - TVarea_Unknown 1 1887.6 1975.6
## - family_income_LT_12500GT_EQ_10000 1 1887.8 1975.8
## - occupation_Unknown 1 1887.9 1975.9
## - region_WestMidlands 1 1887.9 1975.9
## - status_Single_NeverMarried 1 1888.2 1976.2
## - region_EastAnglia 1 1888.3 1976.3
## - family_income_LT_10000GT_EQ_8000 1 1888.4 1976.4
## - family_income_LT_22500GT_EQ_20000 1 1888.4 1976.4
## - children 1 1888.5 1976.5
## - gender_Female 1 1888.5 1976.5
## - TVarea_Grampian 1 1888.6 1976.6
## - occupation_partner_Housewife 1 1888.8 1976.8
## - occupation_Secretarial_Admin 1 1888.9 1976.9
## <none> 1886.9 1976.9
## - status_Divorced_Separated 1 1889.2 1977.2
## - family_income_LT_25000GT_EQ_22500 1 1889.2 1977.2
## - occupation_Housewife 1 1889.7 1977.7
## - TVarea_ScottishTV 1 1889.8 1977.8
## - TVarea_Anglia 1 1890.6 1978.6
## - occupation_partner_Retired 1 1890.7 1978.7
## - self_employed_partner_No 1 1891.2 1979.2
## - TVarea_Meridian 1 1891.4 1979.4
## - family_income_LT_30000GT_EQ_27500 1 1892.3 1980.3
## - status_Partner 1 1892.7 1980.7
## - Balance.Transfer 1 1915.1 2003.1
## - Medical.Insurance 1 1917.2 2005.2
## - Average.A.C.Balance 1 1929.6 2017.6
## - Home.Loan 1 1940.1 2028.1
## - Term.Deposit 1 2032.2 2120.2
## - Life.Insurance 1 2184.6 2272.6
## - Investment.Tax.Saving.Bond 1 2281.3 2369.3
## - Average.Credit.Card.Transaction 1 2323.9 2411.9
## - Personal.Loan 1 2347.1 2435.1
## - Online.Purchase.Amount 1 3208.2 3296.2
##
## Step: AIC=1975.24
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_BusinessManager + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands
##
## Df Deviance AIC
## - region_North 1 1887.3 1973.3
## - occupation_partner_BusinessManager 1 1887.6 1973.6
## - Investment.in.Mutual.Fund 1 1887.7 1973.7
## - occupation_BusinessManager 1 1887.7 1973.7
## - family_income_LT_27500GT_EQ_25000 1 1887.7 1973.7
## - home_status_RentPrivately 1 1887.7 1973.7
## - TVarea_Carlton 1 1887.7 1973.7
## - family_income_LT_20000GT_EQ_17500 1 1887.8 1973.8
## - TVarea_HTV 1 1887.8 1973.8
## - year_last_moved 1 1887.9 1973.9
## - TVarea_Unknown 1 1887.9 1973.9
## - family_income_LT_12500GT_EQ_10000 1 1888.1 1974.1
## - occupation_Unknown 1 1888.2 1974.2
## - region_WestMidlands 1 1888.3 1974.3
## - status_Single_NeverMarried 1 1888.5 1974.5
## - region_EastAnglia 1 1888.5 1974.5
## - family_income_LT_10000GT_EQ_8000 1 1888.6 1974.6
## - family_income_LT_22500GT_EQ_20000 1 1888.7 1974.7
## - gender_Female 1 1888.8 1974.8
## - children 1 1888.8 1974.8
## - TVarea_Grampian 1 1888.9 1974.9
## - occupation_Secretarial_Admin 1 1889.2 1975.2
## - occupation_partner_Housewife 1 1889.2 1975.2
## <none> 1887.2 1975.2
## - status_Divorced_Separated 1 1889.5 1975.5
## - family_income_LT_25000GT_EQ_22500 1 1889.5 1975.5
## - occupation_Housewife 1 1890.0 1976.0
## - TVarea_ScottishTV 1 1890.0 1976.0
## - TVarea_Anglia 1 1890.9 1976.9
## - occupation_partner_Retired 1 1891.1 1977.1
## - self_employed_partner_No 1 1891.4 1977.4
## - TVarea_Meridian 1 1891.8 1977.8
## - family_income_LT_30000GT_EQ_27500 1 1892.5 1978.5
## - status_Partner 1 1893.0 1979.0
## - Balance.Transfer 1 1915.5 2001.5
## - Medical.Insurance 1 1917.5 2003.5
## - Average.A.C.Balance 1 1930.2 2016.2
## - Home.Loan 1 1940.2 2026.2
## - Term.Deposit 1 2032.3 2118.3
## - Life.Insurance 1 2184.7 2270.7
## - Investment.Tax.Saving.Bond 1 2281.3 2367.3
## - Average.Credit.Card.Transaction 1 2324.0 2410.0
## - Personal.Loan 1 2347.1 2433.1
## - Online.Purchase.Amount 1 3208.2 3294.2
##
## Step: AIC=1973.3
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_BusinessManager + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - occupation_partner_BusinessManager 1 1887.6 1971.6
## - Investment.in.Mutual.Fund 1 1887.7 1971.7
## - occupation_BusinessManager 1 1887.7 1971.7
## - TVarea_Carlton 1 1887.8 1971.8
## - family_income_LT_27500GT_EQ_25000 1 1887.8 1971.8
## - home_status_RentPrivately 1 1887.8 1971.8
## - TVarea_HTV 1 1887.8 1971.8
## - family_income_LT_20000GT_EQ_17500 1 1887.8 1971.8
## - TVarea_Unknown 1 1888.0 1972.0
## - year_last_moved 1 1888.0 1972.0
## - family_income_LT_12500GT_EQ_10000 1 1888.2 1972.2
## - occupation_Unknown 1 1888.2 1972.2
## - region_WestMidlands 1 1888.3 1972.3
## - status_Single_NeverMarried 1 1888.6 1972.6
## - region_EastAnglia 1 1888.6 1972.6
## - family_income_LT_22500GT_EQ_20000 1 1888.7 1972.7
## - family_income_LT_10000GT_EQ_8000 1 1888.7 1972.7
## - gender_Female 1 1888.8 1972.8
## - children 1 1888.9 1972.9
## - TVarea_Grampian 1 1888.9 1972.9
## - occupation_Secretarial_Admin 1 1889.2 1973.2
## - occupation_partner_Housewife 1 1889.2 1973.2
## <none> 1887.3 1973.3
## - status_Divorced_Separated 1 1889.6 1973.6
## - family_income_LT_25000GT_EQ_22500 1 1889.6 1973.6
## - occupation_Housewife 1 1890.0 1974.0
## - TVarea_ScottishTV 1 1890.2 1974.2
## - TVarea_Anglia 1 1890.9 1974.9
## - occupation_partner_Retired 1 1891.2 1975.2
## - self_employed_partner_No 1 1891.5 1975.5
## - TVarea_Meridian 1 1891.9 1975.9
## - family_income_LT_30000GT_EQ_27500 1 1892.5 1976.5
## - status_Partner 1 1893.0 1977.0
## - Balance.Transfer 1 1915.5 1999.5
## - Medical.Insurance 1 1917.6 2001.6
## - Average.A.C.Balance 1 1930.3 2014.3
## - Home.Loan 1 1940.4 2024.4
## - Term.Deposit 1 2032.6 2116.6
## - Life.Insurance 1 2185.1 2269.1
## - Investment.Tax.Saving.Bond 1 2281.3 2365.3
## - Average.Credit.Card.Transaction 1 2324.7 2408.7
## - Personal.Loan 1 2347.1 2431.1
## - Online.Purchase.Amount 1 3208.6 3292.6
##
## Step: AIC=1971.65
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - occupation_BusinessManager 1 1888.0 1970.0
## - Investment.in.Mutual.Fund 1 1888.1 1970.1
## - home_status_RentPrivately 1 1888.1 1970.1
## - TVarea_Carlton 1 1888.1 1970.1
## - family_income_LT_27500GT_EQ_25000 1 1888.1 1970.1
## - TVarea_HTV 1 1888.1 1970.1
## - family_income_LT_20000GT_EQ_17500 1 1888.2 1970.2
## - TVarea_Unknown 1 1888.3 1970.3
## - year_last_moved 1 1888.3 1970.3
## - family_income_LT_12500GT_EQ_10000 1 1888.6 1970.6
## - region_WestMidlands 1 1888.6 1970.6
## - occupation_Unknown 1 1888.6 1970.6
## - status_Single_NeverMarried 1 1888.9 1970.9
## - region_EastAnglia 1 1888.9 1970.9
## - family_income_LT_10000GT_EQ_8000 1 1889.1 1971.1
## - family_income_LT_22500GT_EQ_20000 1 1889.1 1971.1
## - children 1 1889.2 1971.2
## - TVarea_Grampian 1 1889.3 1971.3
## - gender_Female 1 1889.3 1971.3
## - occupation_partner_Housewife 1 1889.5 1971.5
## <none> 1887.6 1971.6
## - occupation_Secretarial_Admin 1 1889.7 1971.7
## - status_Divorced_Separated 1 1889.9 1971.9
## - family_income_LT_25000GT_EQ_22500 1 1890.0 1972.0
## - occupation_Housewife 1 1890.4 1972.4
## - TVarea_ScottishTV 1 1890.6 1972.6
## - TVarea_Anglia 1 1891.3 1973.3
## - occupation_partner_Retired 1 1891.3 1973.3
## - self_employed_partner_No 1 1892.0 1974.0
## - TVarea_Meridian 1 1892.1 1974.1
## - family_income_LT_30000GT_EQ_27500 1 1892.8 1974.8
## - status_Partner 1 1893.2 1975.2
## - Balance.Transfer 1 1915.7 1997.7
## - Medical.Insurance 1 1918.0 2000.0
## - Average.A.C.Balance 1 1930.4 2012.4
## - Home.Loan 1 1940.7 2022.7
## - Term.Deposit 1 2033.1 2115.1
## - Life.Insurance 1 2185.1 2267.1
## - Investment.Tax.Saving.Bond 1 2281.5 2363.5
## - Average.Credit.Card.Transaction 1 2324.7 2406.7
## - Personal.Loan 1 2347.2 2429.2
## - Online.Purchase.Amount 1 3208.9 3290.9
##
## Step: AIC=1970.02
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - Investment.in.Mutual.Fund 1 1888.4 1968.4
## - TVarea_Carlton 1 1888.5 1968.5
## - home_status_RentPrivately 1 1888.5 1968.5
## - TVarea_HTV 1 1888.5 1968.5
## - family_income_LT_20000GT_EQ_17500 1 1888.5 1968.5
## - family_income_LT_27500GT_EQ_25000 1 1888.6 1968.6
## - TVarea_Unknown 1 1888.7 1968.7
## - year_last_moved 1 1888.7 1968.7
## - occupation_Unknown 1 1888.9 1968.9
## - family_income_LT_12500GT_EQ_10000 1 1888.9 1968.9
## - region_WestMidlands 1 1889.0 1969.0
## - region_EastAnglia 1 1889.3 1969.3
## - status_Single_NeverMarried 1 1889.4 1969.4
## - family_income_LT_10000GT_EQ_8000 1 1889.4 1969.4
## - family_income_LT_22500GT_EQ_20000 1 1889.4 1969.4
## - children 1 1889.6 1969.6
## - TVarea_Grampian 1 1889.7 1969.7
## - occupation_partner_Housewife 1 1889.8 1969.8
## - gender_Female 1 1889.9 1969.9
## <none> 1888.0 1970.0
## - status_Divorced_Separated 1 1890.4 1970.4
## - occupation_Secretarial_Admin 1 1890.5 1970.5
## - family_income_LT_25000GT_EQ_22500 1 1890.5 1970.5
## - TVarea_ScottishTV 1 1891.0 1971.0
## - occupation_Housewife 1 1891.1 1971.1
## - TVarea_Anglia 1 1891.7 1971.7
## - occupation_partner_Retired 1 1892.0 1972.0
## - self_employed_partner_No 1 1892.3 1972.3
## - TVarea_Meridian 1 1892.6 1972.6
## - family_income_LT_30000GT_EQ_27500 1 1893.4 1973.4
## - status_Partner 1 1893.7 1973.7
## - Balance.Transfer 1 1916.2 1996.2
## - Medical.Insurance 1 1918.5 1998.5
## - Average.A.C.Balance 1 1930.8 2010.8
## - Home.Loan 1 1941.5 2021.5
## - Term.Deposit 1 2033.9 2113.9
## - Life.Insurance 1 2185.3 2265.3
## - Investment.Tax.Saving.Bond 1 2283.3 2363.3
## - Average.Credit.Card.Transaction 1 2324.8 2404.8
## - Personal.Loan 1 2347.2 2427.2
## - Online.Purchase.Amount 1 3211.0 3291.0
##
## Step: AIC=1968.45
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - TVarea_Carlton 1 1888.9 1966.9
## - home_status_RentPrivately 1 1889.0 1967.0
## - family_income_LT_20000GT_EQ_17500 1 1889.0 1967.0
## - TVarea_HTV 1 1889.0 1967.0
## - family_income_LT_27500GT_EQ_25000 1 1889.0 1967.0
## - TVarea_Unknown 1 1889.1 1967.1
## - year_last_moved 1 1889.2 1967.2
## - occupation_Unknown 1 1889.3 1967.3
## - family_income_LT_12500GT_EQ_10000 1 1889.4 1967.4
## - region_WestMidlands 1 1889.5 1967.5
## - status_Single_NeverMarried 1 1889.8 1967.8
## - region_EastAnglia 1 1889.8 1967.8
## - family_income_LT_10000GT_EQ_8000 1 1889.8 1967.8
## - children 1 1889.9 1967.9
## - family_income_LT_22500GT_EQ_20000 1 1889.9 1967.9
## - TVarea_Grampian 1 1890.1 1968.1
## - occupation_partner_Housewife 1 1890.3 1968.3
## - gender_Female 1 1890.4 1968.4
## <none> 1888.4 1968.4
## - status_Divorced_Separated 1 1890.8 1968.8
## - family_income_LT_25000GT_EQ_22500 1 1890.8 1968.8
## - occupation_Secretarial_Admin 1 1890.9 1968.9
## - TVarea_ScottishTV 1 1891.5 1969.5
## - occupation_Housewife 1 1891.5 1969.5
## - TVarea_Anglia 1 1892.2 1970.2
## - occupation_partner_Retired 1 1892.4 1970.4
## - self_employed_partner_No 1 1892.8 1970.8
## - TVarea_Meridian 1 1893.0 1971.0
## - family_income_LT_30000GT_EQ_27500 1 1893.9 1971.9
## - status_Partner 1 1894.1 1972.1
## - Balance.Transfer 1 1919.1 1997.1
## - Medical.Insurance 1 1919.2 1997.2
## - Average.A.C.Balance 1 1935.7 2013.7
## - Home.Loan 1 1945.7 2023.7
## - Term.Deposit 1 2034.7 2112.7
## - Life.Insurance 1 2192.1 2270.1
## - Investment.Tax.Saving.Bond 1 2284.9 2362.9
## - Average.Credit.Card.Transaction 1 2324.9 2402.9
## - Personal.Loan 1 2351.3 2429.3
## - Online.Purchase.Amount 1 3212.7 3290.7
##
## Step: AIC=1966.92
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + gender_Female + region_EastAnglia +
## region_WestMidlands
##
## Df Deviance AIC
## - TVarea_HTV 1 1889.3 1965.3
## - home_status_RentPrivately 1 1889.4 1965.4
## - family_income_LT_20000GT_EQ_17500 1 1889.4 1965.4
## - TVarea_Unknown 1 1889.5 1965.5
## - family_income_LT_27500GT_EQ_25000 1 1889.5 1965.5
## - year_last_moved 1 1889.6 1965.6
## - region_WestMidlands 1 1889.8 1965.8
## - occupation_Unknown 1 1889.8 1965.8
## - family_income_LT_12500GT_EQ_10000 1 1889.9 1965.9
## - status_Single_NeverMarried 1 1890.2 1966.2
## - region_EastAnglia 1 1890.3 1966.3
## - family_income_LT_10000GT_EQ_8000 1 1890.3 1966.3
## - family_income_LT_22500GT_EQ_20000 1 1890.4 1966.4
## - children 1 1890.4 1966.4
## - TVarea_Grampian 1 1890.4 1966.4
## - gender_Female 1 1890.7 1966.7
## - occupation_partner_Housewife 1 1890.7 1966.7
## <none> 1888.9 1966.9
## - status_Divorced_Separated 1 1891.2 1967.2
## - family_income_LT_25000GT_EQ_22500 1 1891.4 1967.4
## - occupation_Secretarial_Admin 1 1891.4 1967.4
## - occupation_Housewife 1 1892.1 1968.1
## - TVarea_Anglia 1 1892.4 1968.4
## - TVarea_ScottishTV 1 1892.5 1968.5
## - occupation_partner_Retired 1 1892.8 1968.8
## - TVarea_Meridian 1 1893.0 1969.0
## - self_employed_partner_No 1 1893.2 1969.2
## - family_income_LT_30000GT_EQ_27500 1 1894.4 1970.4
## - status_Partner 1 1894.5 1970.5
## - Medical.Insurance 1 1919.8 1995.8
## - Balance.Transfer 1 1919.8 1995.8
## - Average.A.C.Balance 1 1936.4 2012.4
## - Home.Loan 1 1945.8 2021.8
## - Term.Deposit 1 2035.0 2111.0
## - Life.Insurance 1 2192.6 2268.6
## - Investment.Tax.Saving.Bond 1 2286.9 2362.9
## - Average.Credit.Card.Transaction 1 2324.9 2400.9
## - Personal.Loan 1 2352.7 2428.7
## - Online.Purchase.Amount 1 3213.6 3289.6
##
## Step: AIC=1965.29
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia +
## TVarea_Meridian + gender_Female + region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - family_income_LT_20000GT_EQ_17500 1 1889.8 1963.8
## - TVarea_Unknown 1 1889.8 1963.8
## - home_status_RentPrivately 1 1889.8 1963.8
## - family_income_LT_27500GT_EQ_25000 1 1889.8 1963.8
## - year_last_moved 1 1890.0 1964.0
## - region_WestMidlands 1 1890.0 1964.0
## - occupation_Unknown 1 1890.2 1964.2
## - family_income_LT_12500GT_EQ_10000 1 1890.2 1964.2
## - status_Single_NeverMarried 1 1890.6 1964.6
## - region_EastAnglia 1 1890.6 1964.6
## - family_income_LT_10000GT_EQ_8000 1 1890.7 1964.7
## - family_income_LT_22500GT_EQ_20000 1 1890.7 1964.7
## - TVarea_Grampian 1 1890.7 1964.7
## - children 1 1890.8 1964.8
## - gender_Female 1 1891.1 1965.1
## - occupation_partner_Housewife 1 1891.1 1965.1
## <none> 1889.3 1965.3
## - status_Divorced_Separated 1 1891.5 1965.5
## - family_income_LT_25000GT_EQ_22500 1 1891.7 1965.7
## - occupation_Secretarial_Admin 1 1891.8 1965.8
## - occupation_Housewife 1 1892.5 1966.5
## - TVarea_Anglia 1 1892.6 1966.6
## - TVarea_Meridian 1 1893.1 1967.1
## - TVarea_ScottishTV 1 1893.2 1967.2
## - occupation_partner_Retired 1 1893.2 1967.2
## - self_employed_partner_No 1 1893.6 1967.6
## - family_income_LT_30000GT_EQ_27500 1 1894.7 1968.7
## - status_Partner 1 1894.9 1968.9
## - Medical.Insurance 1 1920.1 1994.1
## - Balance.Transfer 1 1920.2 1994.2
## - Average.A.C.Balance 1 1936.7 2010.7
## - Home.Loan 1 1945.9 2019.9
## - Term.Deposit 1 2035.3 2109.3
## - Life.Insurance 1 2193.5 2267.5
## - Investment.Tax.Saving.Bond 1 2287.1 2361.1
## - Average.Credit.Card.Transaction 1 2325.9 2399.9
## - Personal.Loan 1 2353.3 2427.3
## - Online.Purchase.Amount 1 3213.6 3287.6
##
## Step: AIC=1963.79
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - family_income_LT_27500GT_EQ_25000 1 1890.2 1962.2
## - home_status_RentPrivately 1 1890.3 1962.3
## - TVarea_Unknown 1 1890.3 1962.3
## - family_income_LT_12500GT_EQ_10000 1 1890.5 1962.5
## - year_last_moved 1 1890.5 1962.5
## - region_WestMidlands 1 1890.5 1962.5
## - occupation_Unknown 1 1890.7 1962.7
## - family_income_LT_10000GT_EQ_8000 1 1891.0 1963.0
## - family_income_LT_22500GT_EQ_20000 1 1891.0 1963.0
## - status_Single_NeverMarried 1 1891.1 1963.1
## - region_EastAnglia 1 1891.2 1963.2
## - TVarea_Grampian 1 1891.2 1963.2
## - children 1 1891.3 1963.3
## - occupation_partner_Housewife 1 1891.6 1963.6
## - gender_Female 1 1891.6 1963.6
## <none> 1889.8 1963.8
## - family_income_LT_25000GT_EQ_22500 1 1891.9 1963.9
## - status_Divorced_Separated 1 1892.1 1964.1
## - occupation_Secretarial_Admin 1 1892.3 1964.3
## - occupation_Housewife 1 1893.0 1965.0
## - TVarea_Anglia 1 1893.1 1965.1
## - occupation_partner_Retired 1 1893.5 1965.5
## - TVarea_ScottishTV 1 1893.6 1965.6
## - TVarea_Meridian 1 1893.6 1965.6
## - self_employed_partner_No 1 1894.1 1966.1
## - family_income_LT_30000GT_EQ_27500 1 1894.8 1966.8
## - status_Partner 1 1895.4 1967.4
## - Medical.Insurance 1 1920.7 1992.7
## - Balance.Transfer 1 1920.8 1992.8
## - Average.A.C.Balance 1 1937.3 2009.3
## - Home.Loan 1 1946.3 2018.3
## - Term.Deposit 1 2035.9 2107.9
## - Life.Insurance 1 2194.0 2266.0
## - Investment.Tax.Saving.Bond 1 2287.3 2359.3
## - Average.Credit.Card.Transaction 1 2326.5 2398.5
## - Personal.Loan 1 2354.0 2426.0
## - Online.Purchase.Amount 1 3214.8 3286.8
##
## Step: AIC=1962.19
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia +
## TVarea_Meridian + gender_Female + region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - home_status_RentPrivately 1 1890.7 1960.7
## - TVarea_Unknown 1 1890.7 1960.7
## - family_income_LT_12500GT_EQ_10000 1 1890.8 1960.8
## - year_last_moved 1 1890.9 1960.9
## - region_WestMidlands 1 1890.9 1960.9
## - occupation_Unknown 1 1891.1 1961.1
## - family_income_LT_22500GT_EQ_20000 1 1891.2 1961.2
## - family_income_LT_10000GT_EQ_8000 1 1891.3 1961.3
## - status_Single_NeverMarried 1 1891.6 1961.6
## - TVarea_Grampian 1 1891.6 1961.6
## - region_EastAnglia 1 1891.6 1961.6
## - children 1 1891.8 1961.8
## - gender_Female 1 1892.0 1962.0
## - occupation_partner_Housewife 1 1892.0 1962.0
## - family_income_LT_25000GT_EQ_22500 1 1892.1 1962.1
## <none> 1890.2 1962.2
## - occupation_Secretarial_Admin 1 1892.5 1962.5
## - status_Divorced_Separated 1 1892.5 1962.5
## - occupation_Housewife 1 1893.4 1963.4
## - TVarea_Anglia 1 1893.6 1963.6
## - TVarea_ScottishTV 1 1894.0 1964.0
## - TVarea_Meridian 1 1894.1 1964.1
## - occupation_partner_Retired 1 1894.1 1964.1
## - self_employed_partner_No 1 1894.4 1964.4
## - family_income_LT_30000GT_EQ_27500 1 1894.8 1964.8
## - status_Partner 1 1896.1 1966.1
## - Medical.Insurance 1 1921.1 1991.1
## - Balance.Transfer 1 1921.2 1991.2
## - Average.A.C.Balance 1 1938.1 2008.1
## - Home.Loan 1 1947.1 2017.1
## - Term.Deposit 1 2036.0 2106.0
## - Life.Insurance 1 2194.8 2264.8
## - Investment.Tax.Saving.Bond 1 2287.6 2357.6
## - Average.Credit.Card.Transaction 1 2326.6 2396.6
## - Personal.Loan 1 2354.0 2424.0
## - Online.Purchase.Amount 1 3215.0 3285.0
##
## Step: AIC=1960.67
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - TVarea_Unknown 1 1891.2 1959.2
## - family_income_LT_12500GT_EQ_10000 1 1891.3 1959.3
## - year_last_moved 1 1891.4 1959.4
## - region_WestMidlands 1 1891.4 1959.4
## - occupation_Unknown 1 1891.6 1959.6
## - family_income_LT_10000GT_EQ_8000 1 1891.8 1959.8
## - family_income_LT_22500GT_EQ_20000 1 1891.8 1959.8
## - status_Single_NeverMarried 1 1892.0 1960.0
## - region_EastAnglia 1 1892.0 1960.0
## - TVarea_Grampian 1 1892.1 1960.1
## - children 1 1892.2 1960.2
## - gender_Female 1 1892.5 1960.5
## - occupation_partner_Housewife 1 1892.5 1960.5
## - family_income_LT_25000GT_EQ_22500 1 1892.6 1960.6
## <none> 1890.7 1960.7
## - occupation_Secretarial_Admin 1 1892.9 1960.9
## - status_Divorced_Separated 1 1892.9 1960.9
## - occupation_Housewife 1 1893.8 1961.8
## - TVarea_Anglia 1 1894.0 1962.0
## - TVarea_ScottishTV 1 1894.4 1962.4
## - occupation_partner_Retired 1 1894.5 1962.5
## - TVarea_Meridian 1 1894.8 1962.8
## - self_employed_partner_No 1 1894.9 1962.9
## - family_income_LT_30000GT_EQ_27500 1 1895.5 1963.5
## - status_Partner 1 1896.6 1964.6
## - Medical.Insurance 1 1921.6 1989.6
## - Balance.Transfer 1 1921.7 1989.7
## - Average.A.C.Balance 1 1938.5 2006.5
## - Home.Loan 1 1948.3 2016.3
## - Term.Deposit 1 2036.3 2104.3
## - Life.Insurance 1 2195.5 2263.5
## - Investment.Tax.Saving.Bond 1 2287.8 2355.8
## - Average.Credit.Card.Transaction 1 2326.7 2394.7
## - Personal.Loan 1 2354.1 2422.1
## - Online.Purchase.Amount 1 3215.5 3283.5
##
## Step: AIC=1959.15
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_Grampian + TVarea_ScottishTV +
## TVarea_Anglia + TVarea_Meridian + gender_Female + region_EastAnglia +
## region_WestMidlands
##
## Df Deviance AIC
## - family_income_LT_12500GT_EQ_10000 1 1891.8 1957.8
## - region_WestMidlands 1 1891.8 1957.8
## - year_last_moved 1 1891.9 1957.9
## - occupation_Unknown 1 1892.1 1958.1
## - family_income_LT_10000GT_EQ_8000 1 1892.2 1958.2
## - family_income_LT_22500GT_EQ_20000 1 1892.2 1958.2
## - status_Single_NeverMarried 1 1892.4 1958.4
## - TVarea_Grampian 1 1892.5 1958.5
## - region_EastAnglia 1 1892.5 1958.5
## - children 1 1892.5 1958.5
## - occupation_partner_Housewife 1 1892.9 1958.9
## - gender_Female 1 1893.0 1959.0
## <none> 1891.2 1959.2
## - family_income_LT_25000GT_EQ_22500 1 1893.2 1959.2
## - occupation_Secretarial_Admin 1 1893.4 1959.4
## - status_Divorced_Separated 1 1893.4 1959.4
## - occupation_Housewife 1 1894.3 1960.3
## - TVarea_Anglia 1 1894.4 1960.4
## - occupation_partner_Retired 1 1895.0 1961.0
## - TVarea_ScottishTV 1 1895.0 1961.0
## - TVarea_Meridian 1 1895.1 1961.1
## - self_employed_partner_No 1 1895.4 1961.4
## - family_income_LT_30000GT_EQ_27500 1 1896.0 1962.0
## - status_Partner 1 1897.0 1963.0
## - Medical.Insurance 1 1922.4 1988.4
## - Balance.Transfer 1 1922.5 1988.5
## - Average.A.C.Balance 1 1939.3 2005.3
## - Home.Loan 1 1948.6 2014.6
## - Term.Deposit 1 2036.8 2102.8
## - Life.Insurance 1 2196.7 2262.7
## - Investment.Tax.Saving.Bond 1 2288.7 2354.7
## - Average.Credit.Card.Transaction 1 2327.4 2393.4
## - Personal.Loan 1 2354.2 2420.2
## - Online.Purchase.Amount 1 3215.6 3281.6
##
## Step: AIC=1957.8
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian +
## gender_Female + region_EastAnglia + region_WestMidlands
##
## Df Deviance AIC
## - region_WestMidlands 1 1892.5 1956.5
## - year_last_moved 1 1892.6 1956.6
## - family_income_LT_10000GT_EQ_8000 1 1892.7 1956.7
## - family_income_LT_22500GT_EQ_20000 1 1892.7 1956.7
## - occupation_Unknown 1 1892.8 1956.8
## - status_Single_NeverMarried 1 1893.0 1957.0
## - children 1 1893.1 1957.1
## - region_EastAnglia 1 1893.2 1957.2
## - TVarea_Grampian 1 1893.2 1957.2
## - occupation_partner_Housewife 1 1893.5 1957.5
## - gender_Female 1 1893.6 1957.6
## - family_income_LT_25000GT_EQ_22500 1 1893.6 1957.6
## <none> 1891.8 1957.8
## - occupation_Secretarial_Admin 1 1893.9 1957.9
## - status_Divorced_Separated 1 1894.0 1958.0
## - occupation_Housewife 1 1894.7 1958.7
## - TVarea_Anglia 1 1895.1 1959.1
## - occupation_partner_Retired 1 1895.3 1959.3
## - TVarea_ScottishTV 1 1895.8 1959.8
## - TVarea_Meridian 1 1895.9 1959.9
## - self_employed_partner_No 1 1895.9 1959.9
## - family_income_LT_30000GT_EQ_27500 1 1896.4 1960.4
## - status_Partner 1 1897.4 1961.4
## - Medical.Insurance 1 1923.0 1987.0
## - Balance.Transfer 1 1923.1 1987.1
## - Average.A.C.Balance 1 1940.0 2004.0
## - Home.Loan 1 1948.8 2012.8
## - Term.Deposit 1 2037.6 2101.6
## - Life.Insurance 1 2197.2 2261.2
## - Investment.Tax.Saving.Bond 1 2288.8 2352.8
## - Average.Credit.Card.Transaction 1 2329.4 2393.4
## - Personal.Loan 1 2355.2 2419.2
## - Online.Purchase.Amount 1 3216.6 3280.6
##
## Step: AIC=1956.48
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Divorced_Separated +
## status_Single_NeverMarried + status_Partner + occupation_Unknown +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian +
## gender_Female + region_EastAnglia
##
## Df Deviance AIC
## - year_last_moved 1 1893.3 1955.3
## - family_income_LT_10000GT_EQ_8000 1 1893.3 1955.3
## - family_income_LT_22500GT_EQ_20000 1 1893.4 1955.4
## - occupation_Unknown 1 1893.5 1955.5
## - status_Single_NeverMarried 1 1893.7 1955.7
## - TVarea_Grampian 1 1893.8 1955.8
## - children 1 1893.8 1955.8
## - region_EastAnglia 1 1893.9 1955.9
## - occupation_partner_Housewife 1 1894.2 1956.2
## - gender_Female 1 1894.2 1956.2
## - family_income_LT_25000GT_EQ_22500 1 1894.3 1956.3
## <none> 1892.5 1956.5
## - occupation_Secretarial_Admin 1 1894.5 1956.5
## - status_Divorced_Separated 1 1894.7 1956.7
## - occupation_Housewife 1 1895.4 1957.4
## - TVarea_Anglia 1 1895.6 1957.6
## - occupation_partner_Retired 1 1895.9 1957.9
## - TVarea_Meridian 1 1896.2 1958.2
## - self_employed_partner_No 1 1896.6 1958.6
## - TVarea_ScottishTV 1 1896.8 1958.8
## - family_income_LT_30000GT_EQ_27500 1 1897.0 1959.0
## - status_Partner 1 1898.0 1960.0
## - Medical.Insurance 1 1923.6 1985.6
## - Balance.Transfer 1 1923.9 1985.9
## - Average.A.C.Balance 1 1940.9 2002.9
## - Home.Loan 1 1949.4 2011.4
## - Term.Deposit 1 2038.1 2100.1
## - Life.Insurance 1 2198.3 2260.3
## - Investment.Tax.Saving.Bond 1 2289.2 2351.2
## - Average.Credit.Card.Transaction 1 2330.3 2392.3
## - Personal.Loan 1 2357.0 2419.0
## - Online.Purchase.Amount 1 3216.8 3278.8
##
## Step: AIC=1955.27
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Unknown + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian +
## gender_Female + region_EastAnglia
##
## Df Deviance AIC
## - occupation_Unknown 1 1894.0 1954.0
## - family_income_LT_10000GT_EQ_8000 1 1894.2 1954.2
## - family_income_LT_22500GT_EQ_20000 1 1894.2 1954.2
## - TVarea_Grampian 1 1894.5 1954.5
## - children 1 1894.6 1954.6
## - region_EastAnglia 1 1894.7 1954.7
## - status_Single_NeverMarried 1 1894.7 1954.7
## - occupation_partner_Housewife 1 1894.9 1954.9
## - gender_Female 1 1895.0 1955.0
## - family_income_LT_25000GT_EQ_22500 1 1895.1 1955.1
## <none> 1893.3 1955.3
## - occupation_Secretarial_Admin 1 1895.3 1955.3
## - status_Divorced_Separated 1 1895.8 1955.8
## - occupation_Housewife 1 1896.2 1956.2
## - TVarea_Anglia 1 1896.4 1956.4
## - occupation_partner_Retired 1 1896.7 1956.7
## - TVarea_Meridian 1 1897.0 1957.0
## - self_employed_partner_No 1 1897.5 1957.5
## - TVarea_ScottishTV 1 1897.6 1957.6
## - family_income_LT_30000GT_EQ_27500 1 1897.9 1957.9
## - status_Partner 1 1899.5 1959.5
## - Medical.Insurance 1 1924.2 1984.2
## - Balance.Transfer 1 1924.9 1984.9
## - Average.A.C.Balance 1 1941.5 2001.5
## - Home.Loan 1 1950.2 2010.2
## - Term.Deposit 1 2039.0 2099.0
## - Life.Insurance 1 2199.5 2259.5
## - Investment.Tax.Saving.Bond 1 2290.0 2350.0
## - Average.Credit.Card.Transaction 1 2330.8 2390.8
## - Personal.Loan 1 2357.7 2417.7
## - Online.Purchase.Amount 1 3219.2 3279.2
##
## Step: AIC=1954.02
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_Grampian + TVarea_ScottishTV +
## TVarea_Anglia + TVarea_Meridian + gender_Female + region_EastAnglia
##
## Df Deviance AIC
## - family_income_LT_10000GT_EQ_8000 1 1894.9 1952.9
## - family_income_LT_22500GT_EQ_20000 1 1895.0 1953.0
## - children 1 1895.3 1953.3
## - TVarea_Grampian 1 1895.3 1953.3
## - status_Single_NeverMarried 1 1895.4 1953.4
## - region_EastAnglia 1 1895.5 1953.5
## - occupation_partner_Housewife 1 1895.7 1953.7
## - gender_Female 1 1895.8 1953.8
## - family_income_LT_25000GT_EQ_22500 1 1895.9 1953.9
## <none> 1894.0 1954.0
## - status_Divorced_Separated 1 1896.4 1954.4
## - occupation_Secretarial_Admin 1 1896.5 1954.5
## - TVarea_Anglia 1 1897.2 1955.2
## - occupation_Housewife 1 1897.4 1955.4
## - TVarea_Meridian 1 1897.8 1955.8
## - occupation_partner_Retired 1 1897.9 1955.9
## - TVarea_ScottishTV 1 1898.4 1956.4
## - family_income_LT_30000GT_EQ_27500 1 1898.5 1956.5
## - self_employed_partner_No 1 1898.6 1956.6
## - status_Partner 1 1900.1 1958.1
## - Medical.Insurance 1 1924.7 1982.7
## - Balance.Transfer 1 1925.8 1983.8
## - Average.A.C.Balance 1 1942.1 2000.1
## - Home.Loan 1 1951.3 2009.3
## - Term.Deposit 1 2039.8 2097.8
## - Life.Insurance 1 2200.0 2258.0
## - Investment.Tax.Saving.Bond 1 2290.2 2348.2
## - Average.Credit.Card.Transaction 1 2331.1 2389.1
## - Personal.Loan 1 2358.8 2416.8
## - Online.Purchase.Amount 1 3219.5 3277.5
##
## Step: AIC=1952.89
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian +
## gender_Female + region_EastAnglia
##
## Df Deviance AIC
## - family_income_LT_22500GT_EQ_20000 1 1895.7 1951.7
## - status_Single_NeverMarried 1 1896.1 1952.1
## - children 1 1896.1 1952.1
## - TVarea_Grampian 1 1896.2 1952.2
## - region_EastAnglia 1 1896.3 1952.3
## - gender_Female 1 1896.4 1952.4
## - occupation_partner_Housewife 1 1896.5 1952.5
## - family_income_LT_25000GT_EQ_22500 1 1896.6 1952.6
## <none> 1894.9 1952.9
## - status_Divorced_Separated 1 1897.2 1953.2
## - occupation_Secretarial_Admin 1 1897.5 1953.5
## - TVarea_Anglia 1 1898.0 1954.0
## - occupation_partner_Retired 1 1898.2 1954.2
## - occupation_Housewife 1 1898.2 1954.2
## - TVarea_Meridian 1 1898.5 1954.5
## - family_income_LT_30000GT_EQ_27500 1 1899.2 1955.2
## - TVarea_ScottishTV 1 1899.4 1955.4
## - self_employed_partner_No 1 1899.4 1955.4
## - status_Partner 1 1900.5 1956.5
## - Medical.Insurance 1 1925.4 1981.4
## - Balance.Transfer 1 1926.4 1982.4
## - Average.A.C.Balance 1 1943.1 1999.1
## - Home.Loan 1 1952.1 2008.1
## - Term.Deposit 1 2040.7 2096.7
## - Life.Insurance 1 2200.6 2256.6
## - Investment.Tax.Saving.Bond 1 2290.8 2346.8
## - Average.Credit.Card.Transaction 1 2333.2 2389.2
## - Personal.Loan 1 2360.6 2416.6
## - Online.Purchase.Amount 1 3219.5 3275.5
##
## Step: AIC=1951.7
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_Grampian + TVarea_ScottishTV +
## TVarea_Anglia + TVarea_Meridian + gender_Female + region_EastAnglia
##
## Df Deviance AIC
## - status_Single_NeverMarried 1 1896.9 1950.9
## - children 1 1897.0 1951.0
## - TVarea_Grampian 1 1897.1 1951.1
## - region_EastAnglia 1 1897.1 1951.1
## - family_income_LT_25000GT_EQ_22500 1 1897.2 1951.2
## - gender_Female 1 1897.3 1951.3
## - occupation_partner_Housewife 1 1897.3 1951.3
## <none> 1895.7 1951.7
## - status_Divorced_Separated 1 1898.2 1952.2
## - occupation_Secretarial_Admin 1 1898.2 1952.2
## - occupation_Housewife 1 1898.8 1952.8
## - TVarea_Anglia 1 1898.8 1952.8
## - occupation_partner_Retired 1 1898.9 1952.9
## - TVarea_Meridian 1 1899.4 1953.4
## - family_income_LT_30000GT_EQ_27500 1 1899.7 1953.7
## - self_employed_partner_No 1 1900.1 1954.1
## - TVarea_ScottishTV 1 1900.1 1954.1
## - status_Partner 1 1901.4 1955.4
## - Medical.Insurance 1 1926.2 1980.2
## - Balance.Transfer 1 1927.5 1981.5
## - Average.A.C.Balance 1 1944.0 1998.0
## - Home.Loan 1 1952.8 2006.8
## - Term.Deposit 1 2041.5 2095.5
## - Life.Insurance 1 2201.2 2255.2
## - Investment.Tax.Saving.Bond 1 2292.4 2346.4
## - Average.Credit.Card.Transaction 1 2334.3 2388.3
## - Personal.Loan 1 2362.6 2416.6
## - Online.Purchase.Amount 1 3219.6 3273.6
##
## Step: AIC=1950.9
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Divorced_Separated + status_Partner +
## occupation_Housewife + occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian +
## gender_Female + region_EastAnglia
##
## Df Deviance AIC
## - status_Divorced_Separated 1 1898.2 1950.2
## - children 1 1898.2 1950.2
## - TVarea_Grampian 1 1898.3 1950.3
## - region_EastAnglia 1 1898.3 1950.3
## - occupation_partner_Housewife 1 1898.6 1950.6
## - family_income_LT_25000GT_EQ_22500 1 1898.6 1950.6
## - gender_Female 1 1898.7 1950.7
## <none> 1896.9 1950.9
## - occupation_Secretarial_Admin 1 1899.2 1951.2
## - occupation_Housewife 1 1900.0 1952.0
## - occupation_partner_Retired 1 1900.0 1952.0
## - TVarea_Anglia 1 1900.1 1952.1
## - TVarea_Meridian 1 1900.7 1952.7
## - family_income_LT_30000GT_EQ_27500 1 1901.1 1953.1
## - TVarea_ScottishTV 1 1901.2 1953.2
## - self_employed_partner_No 1 1901.4 1953.4
## - status_Partner 1 1902.8 1954.8
## - Medical.Insurance 1 1927.3 1979.3
## - Balance.Transfer 1 1928.4 1980.4
## - Average.A.C.Balance 1 1945.2 1997.2
## - Home.Loan 1 1954.0 2006.0
## - Term.Deposit 1 2043.7 2095.7
## - Life.Insurance 1 2202.4 2254.4
## - Investment.Tax.Saving.Bond 1 2293.9 2345.9
## - Average.Credit.Card.Transaction 1 2336.2 2388.2
## - Personal.Loan 1 2364.3 2416.3
## - Online.Purchase.Amount 1 3222.4 3274.4
##
## Step: AIC=1950.18
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian +
## gender_Female + region_EastAnglia
##
## Df Deviance AIC
## - TVarea_Grampian 1 1899.6 1949.6
## - region_EastAnglia 1 1899.6 1949.6
## - occupation_partner_Housewife 1 1899.8 1949.8
## - children 1 1899.8 1949.8
## - gender_Female 1 1899.9 1949.9
## - family_income_LT_25000GT_EQ_22500 1 1899.9 1949.9
## <none> 1898.2 1950.2
## - occupation_Secretarial_Admin 1 1900.4 1950.4
## - occupation_partner_Retired 1 1901.1 1951.1
## - TVarea_Anglia 1 1901.2 1951.2
## - occupation_Housewife 1 1901.3 1951.3
## - TVarea_Meridian 1 1901.8 1951.8
## - family_income_LT_30000GT_EQ_27500 1 1902.4 1952.4
## - TVarea_ScottishTV 1 1902.4 1952.4
## - self_employed_partner_No 1 1902.7 1952.7
## - status_Partner 1 1902.8 1952.8
## - Medical.Insurance 1 1928.7 1978.7
## - Balance.Transfer 1 1929.4 1979.4
## - Average.A.C.Balance 1 1946.4 1996.4
## - Home.Loan 1 1955.8 2005.8
## - Term.Deposit 1 2044.6 2094.6
## - Life.Insurance 1 2204.1 2254.1
## - Investment.Tax.Saving.Bond 1 2294.1 2344.1
## - Average.Credit.Card.Transaction 1 2336.7 2386.7
## - Personal.Loan 1 2364.9 2414.9
## - Online.Purchase.Amount 1 3224.5 3274.5
##
## Step: AIC=1949.61
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian + gender_Female +
## region_EastAnglia
##
## Df Deviance AIC
## - region_EastAnglia 1 1901.0 1949.0
## - occupation_partner_Housewife 1 1901.2 1949.2
## - children 1 1901.3 1949.3
## - family_income_LT_25000GT_EQ_22500 1 1901.4 1949.4
## - gender_Female 1 1901.4 1949.4
## <none> 1899.6 1949.6
## - occupation_Secretarial_Admin 1 1901.7 1949.7
## - occupation_partner_Retired 1 1902.5 1950.5
## - TVarea_Anglia 1 1902.6 1950.6
## - occupation_Housewife 1 1902.9 1950.9
## - TVarea_Meridian 1 1903.1 1951.1
## - family_income_LT_30000GT_EQ_27500 1 1903.7 1951.7
## - TVarea_ScottishTV 1 1904.1 1952.1
## - status_Partner 1 1904.1 1952.1
## - self_employed_partner_No 1 1904.1 1952.1
## - Medical.Insurance 1 1930.3 1978.3
## - Balance.Transfer 1 1931.2 1979.2
## - Average.A.C.Balance 1 1948.0 1996.0
## - Home.Loan 1 1957.1 2005.1
## - Term.Deposit 1 2045.9 2093.9
## - Life.Insurance 1 2206.4 2254.4
## - Investment.Tax.Saving.Bond 1 2297.4 2345.4
## - Average.Credit.Card.Transaction 1 2340.2 2388.2
## - Personal.Loan 1 2368.3 2416.3
## - Online.Purchase.Amount 1 3225.0 3273.0
##
## Step: AIC=1949.04
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Anglia + TVarea_Meridian + gender_Female
##
## Df Deviance AIC
## - TVarea_Anglia 1 1902.6 1948.6
## - children 1 1902.7 1948.7
## - family_income_LT_25000GT_EQ_22500 1 1902.7 1948.7
## - occupation_partner_Housewife 1 1902.8 1948.8
## - gender_Female 1 1902.8 1948.8
## <none> 1901.0 1949.0
## - occupation_Secretarial_Admin 1 1903.2 1949.2
## - occupation_partner_Retired 1 1904.1 1950.1
## - occupation_Housewife 1 1904.2 1950.2
## - TVarea_Meridian 1 1904.5 1950.5
## - family_income_LT_30000GT_EQ_27500 1 1904.9 1950.9
## - TVarea_ScottishTV 1 1905.5 1951.5
## - self_employed_partner_No 1 1905.6 1951.6
## - status_Partner 1 1905.6 1951.6
## - Medical.Insurance 1 1931.8 1977.8
## - Balance.Transfer 1 1933.0 1979.0
## - Average.A.C.Balance 1 1949.1 1995.1
## - Home.Loan 1 1959.6 2005.6
## - Term.Deposit 1 2047.7 2093.7
## - Life.Insurance 1 2209.0 2255.0
## - Investment.Tax.Saving.Bond 1 2298.0 2344.0
## - Average.Credit.Card.Transaction 1 2341.7 2387.7
## - Personal.Loan 1 2374.6 2420.6
## - Online.Purchase.Amount 1 3231.5 3277.5
##
## Step: AIC=1948.62
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Meridian + gender_Female
##
## Df Deviance AIC
## - family_income_LT_25000GT_EQ_22500 1 1904.2 1948.2
## - occupation_partner_Housewife 1 1904.3 1948.3
## - gender_Female 1 1904.4 1948.4
## - children 1 1904.4 1948.4
## <none> 1902.6 1948.6
## - occupation_Secretarial_Admin 1 1904.7 1948.7
## - occupation_partner_Retired 1 1905.6 1949.6
## - TVarea_Meridian 1 1905.7 1949.7
## - occupation_Housewife 1 1905.8 1949.8
## - family_income_LT_30000GT_EQ_27500 1 1906.3 1950.3
## - self_employed_partner_No 1 1906.9 1950.9
## - status_Partner 1 1907.0 1951.0
## - TVarea_ScottishTV 1 1907.6 1951.6
## - Medical.Insurance 1 1933.1 1977.1
## - Balance.Transfer 1 1934.1 1978.1
## - Average.A.C.Balance 1 1950.7 1994.7
## - Home.Loan 1 1961.4 2005.4
## - Term.Deposit 1 2049.3 2093.3
## - Life.Insurance 1 2210.2 2254.2
## - Investment.Tax.Saving.Bond 1 2300.0 2344.0
## - Average.Credit.Card.Transaction 1 2342.5 2386.5
## - Personal.Loan 1 2376.8 2420.8
## - Online.Purchase.Amount 1 3233.3 3277.3
##
## Step: AIC=1948.24
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_Meridian +
## gender_Female
##
## Df Deviance AIC
## - gender_Female 1 1905.9 1947.9
## - occupation_partner_Housewife 1 1905.9 1947.9
## - children 1 1906.0 1948.0
## - occupation_Secretarial_Admin 1 1906.2 1948.2
## <none> 1904.2 1948.2
## - family_income_LT_30000GT_EQ_27500 1 1907.4 1949.4
## - occupation_Housewife 1 1907.4 1949.4
## - TVarea_Meridian 1 1907.4 1949.4
## - occupation_partner_Retired 1 1907.5 1949.5
## - self_employed_partner_No 1 1908.5 1950.5
## - status_Partner 1 1908.8 1950.8
## - TVarea_ScottishTV 1 1909.1 1951.1
## - Medical.Insurance 1 1934.4 1976.4
## - Balance.Transfer 1 1935.1 1977.1
## - Average.A.C.Balance 1 1952.1 1994.1
## - Home.Loan 1 1963.0 2005.0
## - Term.Deposit 1 2050.5 2092.5
## - Life.Insurance 1 2210.5 2252.5
## - Investment.Tax.Saving.Bond 1 2302.4 2344.4
## - Average.Credit.Card.Transaction 1 2344.4 2386.4
## - Personal.Loan 1 2377.8 2419.8
## - Online.Purchase.Amount 1 3233.6 3275.6
##
## Step: AIC=1947.91
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_Meridian
##
## Df Deviance AIC
## - occupation_partner_Housewife 1 1906.8 1946.8
## - children 1 1907.6 1947.6
## <none> 1905.9 1947.9
## - occupation_Secretarial_Admin 1 1908.9 1948.9
## - TVarea_Meridian 1 1909.1 1949.1
## - family_income_LT_30000GT_EQ_27500 1 1909.4 1949.4
## - occupation_partner_Retired 1 1909.4 1949.4
## - self_employed_partner_No 1 1909.7 1949.7
## - TVarea_ScottishTV 1 1910.5 1950.5
## - occupation_Housewife 1 1910.5 1950.5
## - status_Partner 1 1910.7 1950.7
## - Medical.Insurance 1 1936.2 1976.2
## - Balance.Transfer 1 1936.9 1976.9
## - Average.A.C.Balance 1 1953.3 1993.3
## - Home.Loan 1 1965.2 2005.2
## - Term.Deposit 1 2051.8 2091.8
## - Life.Insurance 1 2212.3 2252.3
## - Investment.Tax.Saving.Bond 1 2303.3 2343.3
## - Average.Credit.Card.Transaction 1 2346.6 2386.6
## - Personal.Loan 1 2382.7 2422.7
## - Online.Purchase.Amount 1 3236.5 3276.5
##
## Step: AIC=1946.75
## Revenue.Grid ~ children + Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Retired +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Meridian
##
## Df Deviance AIC
## - children 1 1908.4 1946.4
## <none> 1906.8 1946.8
## - occupation_Secretarial_Admin 1 1909.4 1947.4
## - occupation_partner_Retired 1 1909.8 1947.8
## - TVarea_Meridian 1 1909.9 1947.9
## - family_income_LT_30000GT_EQ_27500 1 1910.4 1948.4
## - self_employed_partner_No 1 1910.9 1948.9
## - occupation_Housewife 1 1910.9 1948.9
## - status_Partner 1 1911.0 1949.0
## - TVarea_ScottishTV 1 1911.3 1949.3
## - Medical.Insurance 1 1936.7 1974.7
## - Balance.Transfer 1 1937.4 1975.4
## - Average.A.C.Balance 1 1953.9 1991.9
## - Home.Loan 1 1966.1 2004.1
## - Term.Deposit 1 2053.1 2091.1
## - Life.Insurance 1 2212.9 2250.9
## - Investment.Tax.Saving.Bond 1 2304.8 2342.8
## - Average.Credit.Card.Transaction 1 2347.0 2385.0
## - Personal.Loan 1 2382.9 2420.9
## - Online.Purchase.Amount 1 3237.3 3275.3
##
## Step: AIC=1946.38
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Retired +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Meridian
##
## Df Deviance AIC
## <none> 1908.4 1946.4
## - occupation_Secretarial_Admin 1 1911.0 1947.0
## - TVarea_Meridian 1 1911.6 1947.6
## - family_income_LT_30000GT_EQ_27500 1 1912.1 1948.1
## - occupation_Housewife 1 1912.2 1948.2
## - self_employed_partner_No 1 1912.7 1948.7
## - TVarea_ScottishTV 1 1912.8 1948.8
## - occupation_partner_Retired 1 1913.3 1949.3
## - status_Partner 1 1914.5 1950.5
## - Medical.Insurance 1 1938.8 1974.8
## - Balance.Transfer 1 1939.1 1975.1
## - Average.A.C.Balance 1 1955.7 1991.7
## - Home.Loan 1 1968.4 2004.4
## - Term.Deposit 1 2055.0 2091.0
## - Life.Insurance 1 2215.5 2251.5
## - Investment.Tax.Saving.Bond 1 2308.4 2344.4
## - Average.Credit.Card.Transaction 1 2348.7 2384.7
## - Personal.Loan 1 2383.0 2419.0
## - Online.Purchase.Amount 1 3241.0 3277.0If you look at summary(log_fit), you’ll find there are still some variable with high p-values. This is because dropping variables based on AIC scores has different inbuilt threshhold, which might not match with p-value decision for boundary cases. We can still run our logistic regression model with variables selected by step function and now drop variabe based on p-values on our own from the remaining bunch.
formula(log_fit)## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.Tax.Saving.Bond + Home.Loan +
## Online.Purchase.Amount + status_Partner + occupation_Housewife +
## occupation_Secretarial_Admin + occupation_partner_Retired +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_MeridianWe can use this to now run our model and drop variables based on p-values too. Code given below is result of multiple iteration. We have considered 0.1 as p-value cutoff, you can make it lower and drop more vars
log_fit=glm(Revenue.Grid ~ Average.Credit.Card.Transaction +
Balance.Transfer + Term.Deposit + Life.Insurance +
Medical.Insurance + Average.A.C.Balance +
Personal.Loan + Investment.in.Mutual.Fund +
Investment.Tax.Saving.Bond +
Home.Loan + Online.Purchase.Amount +
family_income_LT_30000GT_EQ_27500 +
self_employed_partner_No + TVarea_ScottishTV +
TVarea_Meridian ,
data=rg_train,family='binomial')
summary(log_fit)##
## Call:
## glm(formula = Revenue.Grid ~ Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Meridian, family = "binomial",
## data = rg_train)
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -3.8511 -0.2420 -0.1555 -0.0696 4.1162
##
## Coefficients:
## Estimate Std. Error z value Pr(>|z|)
## (Intercept) -3.5847891 0.1777717 -20.165 < 2e-16 ***
## Average.Credit.Card.Transaction 0.0220911 0.0009861 22.401 < 2e-16 ***
## Balance.Transfer -0.0051633 0.0009928 -5.201 1.98e-07 ***
## Term.Deposit -0.0190603 0.0017518 -10.880 < 2e-16 ***
## Life.Insurance 0.0137225 0.0007640 17.961 < 2e-16 ***
## Medical.Insurance -0.0133310 0.0022360 -5.962 2.49e-09 ***
## Average.A.C.Balance -0.0132974 0.0016710 -7.958 1.75e-15 ***
## Personal.Loan -0.0331125 0.0022928 -14.442 < 2e-16 ***
## Investment.in.Mutual.Fund -0.0017613 0.0010274 -1.714 0.0865 .
## Investment.Tax.Saving.Bond 0.0893213 0.0041659 21.441 < 2e-16 ***
## Home.Loan -0.0640832 0.0078183 -8.197 2.47e-16 ***
## Online.Purchase.Amount 0.0509609 0.0019664 25.916 < 2e-16 ***
## family_income_LT_30000GT_EQ_27500 0.3264887 0.1724380 1.893 0.0583 .
## self_employed_partner_No -0.3843705 0.1648868 -2.331 0.0197 *
## TVarea_ScottishTV 0.4457871 0.2325724 1.917 0.0553 .
## TVarea_Meridian -0.4384441 0.1835422 -2.389 0.0169 *
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for binomial family taken to be 1)
##
## Null deviance: 5500.9 on 8123 degrees of freedom
## Residual deviance: 2381.8 on 8108 degrees of freedom
## AIC: 2413.8
##
## Number of Fisher Scoring iterations: 88 Performance of score model
Lets see performance of score model on validation data that we kept aside.
val.score=predict(log_fit,newdata = rg_train2,type='response')
auc_score=auc(roc(rg_train2$Revenue.Grid,val.score))## Setting levels: control = 0, case = 1## Setting direction: controls < casesauc_score## Area under the curve: 0.9625so the tentative score performance of logistic regression is going to be around 0.96. Modelled probability is P(y=1) by default. Meaning, score should be high when outcome is 1 and low when otucome it 0. Lets visualise how is our eventual binary response is behaving w.r.t. score that we obtained
9 Data Visualization
mydata=data.frame(Revenue.Grid=rg_train2$Revenue.Grid,val.score=val.score)
ggplot(mydata,aes(y=Revenue.Grid,x=val.score,color=factor(Revenue.Grid)))+
geom_point()+geom_jitter()
You can see that response 0 is bunched around low scores and response 1 is bunched around high scores, However there is overlap as well across score values. We need to find a cutoff in this score if we need to predict hard classes.
We know the tentative performance of logistic regression model in terms of auc score. Next we’ll build the model on entire training data. following the similar steps
for_vif=lm(Revenue.Grid~.-REF_NO-Investment.in.Commudity
-Investment.in.Derivative-Investment.in.Equity
-region_SouthEast-TVarea_Central-occupation_Professional
-family_income_GT_EQ_35000-region_Scotland-Portfolio.Balance
,data=rg_train)
sort(vif(for_vif),decreasing = T)[1:3]## occupation_partner_Unknown occupation_partner_Retired
## 7.203334 6.401195
## region_Unknown
## 6.305711log.fit.final=glm(Revenue.Grid~.-REF_NO-Investment.in.Commudity
-Investment.in.Derivative-Investment.in.Equity
-region_SouthEast-TVarea_Central-occupation_Professional
-family_income_GT_EQ_35000-region_Scotland-Portfolio.Balance,
data=rg_train,family='binomial')log.fit.final=step(log.fit.final)## Start: AIC=2482.2
## Revenue.Grid ~ (REF_NO + children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## Investment.in.Commudity + Investment.in.Equity + Investment.in.Derivative +
## Portfolio.Balance + age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_Professional + occupation_partner_Housewife +
## occupation_partner_Secretarial_Admin + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Professional + occupation_partner_Unknown +
## home_status_RentPrivately + home_status_RentfromCouncil_HA +
## home_status_OwnHome + family_income_LT_4000 + family_income_LT_8000GT_EQ_4000 +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_15000GT_EQ_12500 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + family_income_GT_EQ_35000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Granada +
## TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton + TVarea_Central +
## gender_Female + region_EastAnglia + region_Wales + region_North +
## region_EastMidlands + region_Scotland + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest + region_SouthEast) -
## REF_NO - Investment.in.Commudity - Investment.in.Derivative -
## Investment.in.Equity - region_SouthEast - TVarea_Central -
## occupation_Professional - family_income_GT_EQ_35000 - region_Scotland -
## Portfolio.Balance
##
## Df Deviance AIC
## - region_Wales 1 2348.2 2480.2
## - TVarea_TVSouthWest 1 2348.2 2480.2
## - family_income_LT_8000GT_EQ_4000 1 2348.2 2480.2
## - home_status_OwnHome 1 2348.2 2480.2
## - children 1 2348.2 2480.2
## - family_income_LT_15000GT_EQ_12500 1 2348.2 2480.2
## - TVarea_Granada 1 2348.2 2480.2
## - family_income_LT_4000 1 2348.2 2480.2
## - TVarea_Carlton 1 2348.2 2480.2
## - home_status_RentfromCouncil_HA 1 2348.2 2480.2
## - region_NorthWest 1 2348.3 2480.3
## - self_employed_No 1 2348.3 2480.3
## - region_EastMidlands 1 2348.3 2480.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2480.3
## - occupation_partner_Professional 1 2348.3 2480.3
## - occupation_Housewife 1 2348.3 2480.3
## - family_income_LT_17500GT_EQ_15000 1 2348.3 2480.3
## - TVarea_Grampian 1 2348.3 2480.3
## - status_Single_NeverMarried 1 2348.3 2480.3
## - region_WestMidlands 1 2348.3 2480.3
## - occupation_ManualWorker 1 2348.4 2480.4
## - occupation_Secretarial_Admin 1 2348.4 2480.4
## - family_income_LT_20000GT_EQ_17500 1 2348.4 2480.4
## - region_SouthWest 1 2348.5 2480.5
## - occupation_partner_Unknown 1 2348.5 2480.5
## - TVarea_Yorkshire 1 2348.5 2480.5
## - occupation_partner_BusinessManager 1 2348.6 2480.6
## - occupation_partner_ManualWorker 1 2348.6 2480.6
## - TVarea_TyneTees 1 2348.6 2480.6
## - age 1 2348.7 2480.7
## - family_income_LT_27500GT_EQ_25000 1 2348.7 2480.7
## - status_Divorced_Separated 1 2348.7 2480.7
## - home_status_RentPrivately 1 2348.7 2480.7
## - year_last_moved 1 2348.7 2480.7
## - region_Unknown 1 2348.9 2480.9
## - region_North 1 2348.9 2480.9
## - TVarea_HTV 1 2348.9 2480.9
## - occupation_BusinessManager 1 2348.9 2480.9
## - TVarea_Unknown 1 2349.0 2481.0
## - family_income_LT_12500GT_EQ_10000 1 2349.2 2481.2
## - region_EastAnglia 1 2349.3 2481.3
## - TVarea_Anglia 1 2349.4 2481.4
## - family_income_LT_10000GT_EQ_8000 1 2349.5 2481.5
## - occupation_Retired 1 2349.7 2481.7
## - TVarea_ScottishTV 1 2349.7 2481.7
## - occupation_partner_Housewife 1 2349.8 2481.8
## - gender_Female 1 2350.0 2482.0
## - status_Partner 1 2350.0 2482.0
## <none> 2348.2 2482.2
## - family_income_LT_22500GT_EQ_20000 1 2350.3 2482.3
## - Investment.in.Mutual.Fund 1 2350.3 2482.3
## - occupation_Unknown 1 2350.4 2482.4
## - occupation_partner_Retired 1 2350.5 2482.5
## - TVarea_Meridian 1 2350.7 2482.7
## - family_income_LT_25000GT_EQ_22500 1 2351.1 2483.1
## - self_employed_partner_No 1 2352.2 2484.2
## - family_income_LT_30000GT_EQ_27500 1 2352.3 2484.3
## - Balance.Transfer 1 2379.1 2511.1
## - Medical.Insurance 1 2388.5 2520.5
## - Average.A.C.Balance 1 2418.2 2550.2
## - Home.Loan 1 2435.0 2567.0
## - Term.Deposit 1 2519.2 2651.2
## - Life.Insurance 1 2732.0 2864.0
## - Investment.Tax.Saving.Bond 1 2855.6 2987.6
## - Personal.Loan 1 2903.7 3035.7
## - Average.Credit.Card.Transaction 1 2906.9 3038.9
## - Online.Purchase.Amount 1 4030.3 4162.3
##
## Step: AIC=2480.2
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + home_status_OwnHome + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_TVSouthWest + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Granada +
## TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_EastMidlands +
## region_WestMidlands + region_SouthWest + region_Unknown +
## region_NorthWest
##
## Df Deviance AIC
## - TVarea_TVSouthWest 1 2348.2 2478.2
## - family_income_LT_8000GT_EQ_4000 1 2348.2 2478.2
## - home_status_OwnHome 1 2348.2 2478.2
## - children 1 2348.2 2478.2
## - family_income_LT_15000GT_EQ_12500 1 2348.2 2478.2
## - TVarea_Granada 1 2348.2 2478.2
## - family_income_LT_4000 1 2348.2 2478.2
## - TVarea_Carlton 1 2348.2 2478.2
## - home_status_RentfromCouncil_HA 1 2348.2 2478.2
## - region_NorthWest 1 2348.3 2478.3
## - self_employed_No 1 2348.3 2478.3
## - region_EastMidlands 1 2348.3 2478.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2478.3
## - occupation_partner_Professional 1 2348.3 2478.3
## - occupation_Housewife 1 2348.3 2478.3
## - family_income_LT_17500GT_EQ_15000 1 2348.3 2478.3
## - status_Single_NeverMarried 1 2348.3 2478.3
## - TVarea_Grampian 1 2348.3 2478.3
## - region_WestMidlands 1 2348.4 2478.4
## - occupation_ManualWorker 1 2348.4 2478.4
## - occupation_Secretarial_Admin 1 2348.4 2478.4
## - family_income_LT_20000GT_EQ_17500 1 2348.4 2478.4
## - occupation_partner_Unknown 1 2348.5 2478.5
## - TVarea_Yorkshire 1 2348.5 2478.5
## - occupation_partner_BusinessManager 1 2348.6 2478.6
## - region_SouthWest 1 2348.6 2478.6
## - occupation_partner_ManualWorker 1 2348.6 2478.6
## - TVarea_TyneTees 1 2348.6 2478.6
## - age 1 2348.7 2478.7
## - family_income_LT_27500GT_EQ_25000 1 2348.7 2478.7
## - status_Divorced_Separated 1 2348.7 2478.7
## - home_status_RentPrivately 1 2348.7 2478.7
## - year_last_moved 1 2348.7 2478.7
## - region_Unknown 1 2348.9 2478.9
## - occupation_BusinessManager 1 2348.9 2478.9
## - region_North 1 2348.9 2478.9
## - TVarea_Unknown 1 2349.0 2479.0
## - family_income_LT_12500GT_EQ_10000 1 2349.2 2479.2
## - region_EastAnglia 1 2349.3 2479.3
## - TVarea_HTV 1 2349.4 2479.4
## - TVarea_Anglia 1 2349.4 2479.4
## - family_income_LT_10000GT_EQ_8000 1 2349.5 2479.5
## - occupation_Retired 1 2349.7 2479.7
## - TVarea_ScottishTV 1 2349.7 2479.7
## - occupation_partner_Housewife 1 2349.8 2479.8
## - gender_Female 1 2350.0 2480.0
## - status_Partner 1 2350.0 2480.0
## <none> 2348.2 2480.2
## - family_income_LT_22500GT_EQ_20000 1 2350.3 2480.3
## - Investment.in.Mutual.Fund 1 2350.3 2480.3
## - occupation_Unknown 1 2350.4 2480.4
## - occupation_partner_Retired 1 2350.5 2480.5
## - TVarea_Meridian 1 2350.7 2480.7
## - family_income_LT_25000GT_EQ_22500 1 2351.1 2481.1
## - self_employed_partner_No 1 2352.2 2482.2
## - family_income_LT_30000GT_EQ_27500 1 2352.3 2482.3
## - Balance.Transfer 1 2379.1 2509.1
## - Medical.Insurance 1 2388.5 2518.5
## - Average.A.C.Balance 1 2418.3 2548.3
## - Home.Loan 1 2435.0 2565.0
## - Term.Deposit 1 2519.2 2649.2
## - Life.Insurance 1 2732.1 2862.1
## - Investment.Tax.Saving.Bond 1 2856.4 2986.4
## - Personal.Loan 1 2903.9 3033.9
## - Average.Credit.Card.Transaction 1 2906.9 3036.9
## - Online.Purchase.Amount 1 4030.9 4160.9
##
## Step: AIC=2478.2
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + home_status_OwnHome + family_income_LT_4000 +
## family_income_LT_8000GT_EQ_4000 + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_15000GT_EQ_12500 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Granada + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest +
## region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - family_income_LT_8000GT_EQ_4000 1 2348.2 2476.2
## - home_status_OwnHome 1 2348.2 2476.2
## - children 1 2348.2 2476.2
## - family_income_LT_15000GT_EQ_12500 1 2348.2 2476.2
## - family_income_LT_4000 1 2348.2 2476.2
## - TVarea_Granada 1 2348.2 2476.2
## - TVarea_Carlton 1 2348.2 2476.2
## - home_status_RentfromCouncil_HA 1 2348.3 2476.3
## - region_NorthWest 1 2348.3 2476.3
## - self_employed_No 1 2348.3 2476.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2476.3
## - region_EastMidlands 1 2348.3 2476.3
## - occupation_partner_Professional 1 2348.3 2476.3
## - occupation_Housewife 1 2348.3 2476.3
## - family_income_LT_17500GT_EQ_15000 1 2348.3 2476.3
## - status_Single_NeverMarried 1 2348.3 2476.3
## - TVarea_Grampian 1 2348.3 2476.3
## - region_WestMidlands 1 2348.4 2476.4
## - occupation_ManualWorker 1 2348.4 2476.4
## - occupation_Secretarial_Admin 1 2348.4 2476.4
## - family_income_LT_20000GT_EQ_17500 1 2348.4 2476.4
## - occupation_partner_Unknown 1 2348.5 2476.5
## - TVarea_Yorkshire 1 2348.5 2476.5
## - occupation_partner_BusinessManager 1 2348.6 2476.6
## - occupation_partner_ManualWorker 1 2348.6 2476.6
## - TVarea_TyneTees 1 2348.6 2476.6
## - age 1 2348.7 2476.7
## - family_income_LT_27500GT_EQ_25000 1 2348.7 2476.7
## - region_SouthWest 1 2348.7 2476.7
## - status_Divorced_Separated 1 2348.7 2476.7
## - home_status_RentPrivately 1 2348.7 2476.7
## - year_last_moved 1 2348.7 2476.7
## - region_Unknown 1 2348.9 2476.9
## - occupation_BusinessManager 1 2348.9 2476.9
## - region_North 1 2348.9 2476.9
## - TVarea_Unknown 1 2349.0 2477.0
## - family_income_LT_12500GT_EQ_10000 1 2349.2 2477.2
## - region_EastAnglia 1 2349.3 2477.3
## - TVarea_Anglia 1 2349.5 2477.5
## - family_income_LT_10000GT_EQ_8000 1 2349.5 2477.5
## - occupation_Retired 1 2349.7 2477.7
## - occupation_partner_Housewife 1 2349.8 2477.8
## - TVarea_HTV 1 2349.9 2477.9
## - TVarea_ScottishTV 1 2349.9 2477.9
## - gender_Female 1 2350.0 2478.0
## - status_Partner 1 2350.0 2478.0
## <none> 2348.2 2478.2
## - family_income_LT_22500GT_EQ_20000 1 2350.3 2478.3
## - Investment.in.Mutual.Fund 1 2350.3 2478.3
## - occupation_Unknown 1 2350.4 2478.4
## - occupation_partner_Retired 1 2350.5 2478.5
## - family_income_LT_25000GT_EQ_22500 1 2351.1 2479.1
## - TVarea_Meridian 1 2351.1 2479.1
## - self_employed_partner_No 1 2352.2 2480.2
## - family_income_LT_30000GT_EQ_27500 1 2352.3 2480.3
## - Balance.Transfer 1 2379.1 2507.1
## - Medical.Insurance 1 2388.5 2516.5
## - Average.A.C.Balance 1 2418.3 2546.3
## - Home.Loan 1 2435.0 2563.0
## - Term.Deposit 1 2519.3 2647.3
## - Life.Insurance 1 2732.1 2860.1
## - Investment.Tax.Saving.Bond 1 2856.4 2984.4
## - Personal.Loan 1 2904.5 3032.5
## - Average.Credit.Card.Transaction 1 2907.1 3035.1
## - Online.Purchase.Amount 1 4030.9 4158.9
##
## Step: AIC=2476.21
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + home_status_OwnHome + family_income_LT_4000 +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_15000GT_EQ_12500 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Granada + TVarea_Yorkshire +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_EastMidlands + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - home_status_OwnHome 1 2348.2 2474.2
## - children 1 2348.2 2474.2
## - family_income_LT_15000GT_EQ_12500 1 2348.2 2474.2
## - family_income_LT_4000 1 2348.2 2474.2
## - TVarea_Granada 1 2348.2 2474.2
## - TVarea_Carlton 1 2348.3 2474.3
## - home_status_RentfromCouncil_HA 1 2348.3 2474.3
## - region_NorthWest 1 2348.3 2474.3
## - self_employed_No 1 2348.3 2474.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2474.3
## - region_EastMidlands 1 2348.3 2474.3
## - occupation_partner_Professional 1 2348.3 2474.3
## - occupation_Housewife 1 2348.3 2474.3
## - family_income_LT_17500GT_EQ_15000 1 2348.3 2474.3
## - TVarea_Grampian 1 2348.4 2474.4
## - status_Single_NeverMarried 1 2348.4 2474.4
## - region_WestMidlands 1 2348.4 2474.4
## - occupation_ManualWorker 1 2348.4 2474.4
## - occupation_Secretarial_Admin 1 2348.4 2474.4
## - family_income_LT_20000GT_EQ_17500 1 2348.5 2474.5
## - occupation_partner_Unknown 1 2348.5 2474.5
## - TVarea_Yorkshire 1 2348.5 2474.5
## - occupation_partner_BusinessManager 1 2348.6 2474.6
## - occupation_partner_ManualWorker 1 2348.6 2474.6
## - TVarea_TyneTees 1 2348.6 2474.6
## - age 1 2348.7 2474.7
## - region_SouthWest 1 2348.7 2474.7
## - status_Divorced_Separated 1 2348.7 2474.7
## - home_status_RentPrivately 1 2348.7 2474.7
## - year_last_moved 1 2348.7 2474.7
## - family_income_LT_27500GT_EQ_25000 1 2348.7 2474.7
## - occupation_BusinessManager 1 2348.9 2474.9
## - region_Unknown 1 2348.9 2474.9
## - region_North 1 2348.9 2474.9
## - TVarea_Unknown 1 2349.0 2475.0
## - region_EastAnglia 1 2349.3 2475.3
## - family_income_LT_12500GT_EQ_10000 1 2349.4 2475.4
## - TVarea_Anglia 1 2349.5 2475.5
## - occupation_Retired 1 2349.7 2475.7
## - family_income_LT_10000GT_EQ_8000 1 2349.7 2475.7
## - occupation_partner_Housewife 1 2349.9 2475.9
## - TVarea_HTV 1 2349.9 2475.9
## - TVarea_ScottishTV 1 2349.9 2475.9
## - gender_Female 1 2350.0 2476.0
## - status_Partner 1 2350.1 2476.1
## <none> 2348.2 2476.2
## - Investment.in.Mutual.Fund 1 2350.3 2476.3
## - occupation_Unknown 1 2350.4 2476.4
## - occupation_partner_Retired 1 2350.5 2476.5
## - family_income_LT_22500GT_EQ_20000 1 2350.5 2476.5
## - TVarea_Meridian 1 2351.2 2477.2
## - family_income_LT_25000GT_EQ_22500 1 2351.3 2477.3
## - self_employed_partner_No 1 2352.2 2478.2
## - family_income_LT_30000GT_EQ_27500 1 2352.5 2478.5
## - Balance.Transfer 1 2379.1 2505.1
## - Medical.Insurance 1 2388.5 2514.5
## - Average.A.C.Balance 1 2418.4 2544.4
## - Home.Loan 1 2435.0 2561.0
## - Term.Deposit 1 2519.4 2645.4
## - Life.Insurance 1 2732.8 2858.8
## - Investment.Tax.Saving.Bond 1 2856.5 2982.5
## - Personal.Loan 1 2904.6 3030.6
## - Average.Credit.Card.Transaction 1 2907.2 3033.2
## - Online.Purchase.Amount 1 4031.4 4157.4
##
## Step: AIC=2474.22
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_15000GT_EQ_12500 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Granada + TVarea_Yorkshire +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_EastMidlands + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - family_income_LT_15000GT_EQ_12500 1 2348.2 2472.2
## - children 1 2348.2 2472.2
## - family_income_LT_4000 1 2348.2 2472.2
## - TVarea_Granada 1 2348.3 2472.3
## - TVarea_Carlton 1 2348.3 2472.3
## - region_NorthWest 1 2348.3 2472.3
## - self_employed_No 1 2348.3 2472.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2472.3
## - region_EastMidlands 1 2348.3 2472.3
## - occupation_partner_Professional 1 2348.3 2472.3
## - occupation_Housewife 1 2348.3 2472.3
## - family_income_LT_17500GT_EQ_15000 1 2348.4 2472.4
## - TVarea_Grampian 1 2348.4 2472.4
## - status_Single_NeverMarried 1 2348.4 2472.4
## - region_WestMidlands 1 2348.4 2472.4
## - occupation_ManualWorker 1 2348.4 2472.4
## - occupation_Secretarial_Admin 1 2348.4 2472.4
## - family_income_LT_20000GT_EQ_17500 1 2348.5 2472.5
## - home_status_RentfromCouncil_HA 1 2348.5 2472.5
## - occupation_partner_Unknown 1 2348.5 2472.5
## - TVarea_Yorkshire 1 2348.5 2472.5
## - occupation_partner_BusinessManager 1 2348.6 2472.6
## - occupation_partner_ManualWorker 1 2348.6 2472.6
## - TVarea_TyneTees 1 2348.7 2472.7
## - region_SouthWest 1 2348.7 2472.7
## - status_Divorced_Separated 1 2348.7 2472.7
## - age 1 2348.7 2472.7
## - year_last_moved 1 2348.7 2472.7
## - family_income_LT_27500GT_EQ_25000 1 2348.7 2472.7
## - region_Unknown 1 2348.9 2472.9
## - occupation_BusinessManager 1 2348.9 2472.9
## - region_North 1 2349.0 2473.0
## - TVarea_Unknown 1 2349.0 2473.0
## - region_EastAnglia 1 2349.3 2473.3
## - home_status_RentPrivately 1 2349.4 2473.4
## - family_income_LT_12500GT_EQ_10000 1 2349.4 2473.4
## - TVarea_Anglia 1 2349.5 2473.5
## - occupation_Retired 1 2349.7 2473.7
## - family_income_LT_10000GT_EQ_8000 1 2349.7 2473.7
## - occupation_partner_Housewife 1 2349.9 2473.9
## - TVarea_HTV 1 2349.9 2473.9
## - TVarea_ScottishTV 1 2349.9 2473.9
## - gender_Female 1 2350.0 2474.0
## - status_Partner 1 2350.1 2474.1
## <none> 2348.2 2474.2
## - Investment.in.Mutual.Fund 1 2350.3 2474.3
## - occupation_Unknown 1 2350.4 2474.4
## - occupation_partner_Retired 1 2350.5 2474.5
## - family_income_LT_22500GT_EQ_20000 1 2350.5 2474.5
## - TVarea_Meridian 1 2351.2 2475.2
## - family_income_LT_25000GT_EQ_22500 1 2351.3 2475.3
## - self_employed_partner_No 1 2352.2 2476.2
## - family_income_LT_30000GT_EQ_27500 1 2352.5 2476.5
## - Balance.Transfer 1 2379.1 2503.1
## - Medical.Insurance 1 2388.5 2512.5
## - Average.A.C.Balance 1 2418.4 2542.4
## - Home.Loan 1 2435.0 2559.0
## - Term.Deposit 1 2519.6 2643.6
## - Life.Insurance 1 2732.8 2856.8
## - Investment.Tax.Saving.Bond 1 2856.6 2980.6
## - Personal.Loan 1 2904.9 3028.9
## - Average.Credit.Card.Transaction 1 2907.6 3031.6
## - Online.Purchase.Amount 1 4031.5 4155.5
##
## Step: AIC=2472.23
## Revenue.Grid ~ children + year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Granada + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest +
## region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - children 1 2348.2 2470.2
## - family_income_LT_4000 1 2348.3 2470.3
## - TVarea_Granada 1 2348.3 2470.3
## - TVarea_Carlton 1 2348.3 2470.3
## - region_NorthWest 1 2348.3 2470.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2470.3
## - self_employed_No 1 2348.3 2470.3
## - region_EastMidlands 1 2348.3 2470.3
## - occupation_partner_Professional 1 2348.3 2470.3
## - occupation_Housewife 1 2348.3 2470.3
## - status_Single_NeverMarried 1 2348.4 2470.4
## - TVarea_Grampian 1 2348.4 2470.4
## - family_income_LT_17500GT_EQ_15000 1 2348.4 2470.4
## - region_WestMidlands 1 2348.4 2470.4
## - occupation_ManualWorker 1 2348.4 2470.4
## - occupation_Secretarial_Admin 1 2348.4 2470.4
## - home_status_RentfromCouncil_HA 1 2348.5 2470.5
## - family_income_LT_20000GT_EQ_17500 1 2348.5 2470.5
## - occupation_partner_Unknown 1 2348.5 2470.5
## - TVarea_Yorkshire 1 2348.6 2470.6
## - occupation_partner_BusinessManager 1 2348.6 2470.6
## - occupation_partner_ManualWorker 1 2348.6 2470.6
## - TVarea_TyneTees 1 2348.7 2470.7
## - region_SouthWest 1 2348.7 2470.7
## - status_Divorced_Separated 1 2348.7 2470.7
## - age 1 2348.8 2470.8
## - year_last_moved 1 2348.8 2470.8
## - family_income_LT_27500GT_EQ_25000 1 2348.8 2470.8
## - region_Unknown 1 2349.0 2471.0
## - occupation_BusinessManager 1 2349.0 2471.0
## - region_North 1 2349.0 2471.0
## - TVarea_Unknown 1 2349.0 2471.0
## - home_status_RentPrivately 1 2349.4 2471.4
## - region_EastAnglia 1 2349.4 2471.4
## - TVarea_Anglia 1 2349.5 2471.5
## - family_income_LT_12500GT_EQ_10000 1 2349.6 2471.6
## - occupation_Retired 1 2349.7 2471.7
## - occupation_partner_Housewife 1 2349.9 2471.9
## - family_income_LT_10000GT_EQ_8000 1 2349.9 2471.9
## - TVarea_HTV 1 2349.9 2471.9
## - TVarea_ScottishTV 1 2349.9 2471.9
## - gender_Female 1 2350.1 2472.1
## - status_Partner 1 2350.1 2472.1
## <none> 2348.2 2472.2
## - Investment.in.Mutual.Fund 1 2350.3 2472.3
## - occupation_Unknown 1 2350.4 2472.4
## - occupation_partner_Retired 1 2350.5 2472.5
## - family_income_LT_22500GT_EQ_20000 1 2350.7 2472.7
## - TVarea_Meridian 1 2351.2 2473.2
## - family_income_LT_25000GT_EQ_22500 1 2351.6 2473.6
## - self_employed_partner_No 1 2352.2 2474.2
## - family_income_LT_30000GT_EQ_27500 1 2352.9 2474.9
## - Balance.Transfer 1 2379.2 2501.2
## - Medical.Insurance 1 2388.5 2510.5
## - Average.A.C.Balance 1 2418.8 2540.8
## - Home.Loan 1 2435.0 2557.0
## - Term.Deposit 1 2519.6 2641.6
## - Life.Insurance 1 2733.1 2855.1
## - Investment.Tax.Saving.Bond 1 2857.2 2979.2
## - Personal.Loan 1 2904.9 3026.9
## - Average.Credit.Card.Transaction 1 2907.6 3029.6
## - Online.Purchase.Amount 1 4032.0 4154.0
##
## Step: AIC=2470.24
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_4000 +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Granada + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest +
## region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - family_income_LT_4000 1 2348.3 2468.3
## - TVarea_Granada 1 2348.3 2468.3
## - TVarea_Carlton 1 2348.3 2468.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2468.3
## - region_NorthWest 1 2348.3 2468.3
## - self_employed_No 1 2348.3 2468.3
## - region_EastMidlands 1 2348.3 2468.3
## - occupation_partner_Professional 1 2348.3 2468.3
## - occupation_Housewife 1 2348.4 2468.4
## - TVarea_Grampian 1 2348.4 2468.4
## - family_income_LT_17500GT_EQ_15000 1 2348.4 2468.4
## - status_Single_NeverMarried 1 2348.4 2468.4
## - region_WestMidlands 1 2348.4 2468.4
## - occupation_ManualWorker 1 2348.4 2468.4
## - occupation_Secretarial_Admin 1 2348.4 2468.4
## - home_status_RentfromCouncil_HA 1 2348.5 2468.5
## - family_income_LT_20000GT_EQ_17500 1 2348.5 2468.5
## - occupation_partner_Unknown 1 2348.6 2468.6
## - TVarea_Yorkshire 1 2348.6 2468.6
## - occupation_partner_BusinessManager 1 2348.6 2468.6
## - occupation_partner_ManualWorker 1 2348.6 2468.6
## - TVarea_TyneTees 1 2348.7 2468.7
## - region_SouthWest 1 2348.7 2468.7
## - status_Divorced_Separated 1 2348.7 2468.7
## - year_last_moved 1 2348.8 2468.8
## - age 1 2348.8 2468.8
## - family_income_LT_27500GT_EQ_25000 1 2348.9 2468.9
## - region_Unknown 1 2349.0 2469.0
## - region_North 1 2349.0 2469.0
## - occupation_BusinessManager 1 2349.0 2469.0
## - TVarea_Unknown 1 2349.0 2469.0
## - home_status_RentPrivately 1 2349.4 2469.4
## - region_EastAnglia 1 2349.4 2469.4
## - TVarea_Anglia 1 2349.5 2469.5
## - family_income_LT_12500GT_EQ_10000 1 2349.6 2469.6
## - occupation_Retired 1 2349.7 2469.7
## - occupation_partner_Housewife 1 2349.9 2469.9
## - family_income_LT_10000GT_EQ_8000 1 2349.9 2469.9
## - TVarea_HTV 1 2349.9 2469.9
## - TVarea_ScottishTV 1 2350.0 2470.0
## - gender_Female 1 2350.1 2470.1
## - status_Partner 1 2350.1 2470.1
## <none> 2348.2 2470.2
## - Investment.in.Mutual.Fund 1 2350.3 2470.3
## - occupation_Unknown 1 2350.5 2470.5
## - occupation_partner_Retired 1 2350.5 2470.5
## - family_income_LT_22500GT_EQ_20000 1 2350.7 2470.7
## - TVarea_Meridian 1 2351.2 2471.2
## - family_income_LT_25000GT_EQ_22500 1 2351.6 2471.6
## - self_employed_partner_No 1 2352.2 2472.2
## - family_income_LT_30000GT_EQ_27500 1 2352.9 2472.9
## - Balance.Transfer 1 2379.2 2499.2
## - Medical.Insurance 1 2388.6 2508.6
## - Average.A.C.Balance 1 2418.8 2538.8
## - Home.Loan 1 2435.1 2555.1
## - Term.Deposit 1 2519.6 2639.6
## - Life.Insurance 1 2733.2 2853.2
## - Investment.Tax.Saving.Bond 1 2857.6 2977.6
## - Personal.Loan 1 2906.6 3026.6
## - Average.Credit.Card.Transaction 1 2907.6 3027.6
## - Online.Purchase.Amount 1 4032.2 4152.2
##
## Step: AIC=2468.27
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Granada + TVarea_Yorkshire +
## TVarea_Meridian + TVarea_Carlton + gender_Female + region_EastAnglia +
## region_North + region_EastMidlands + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - TVarea_Granada 1 2348.3 2466.3
## - TVarea_Carlton 1 2348.3 2466.3
## - region_NorthWest 1 2348.3 2466.3
## - occupation_partner_Secretarial_Admin 1 2348.3 2466.3
## - self_employed_No 1 2348.3 2466.3
## - region_EastMidlands 1 2348.3 2466.3
## - occupation_partner_Professional 1 2348.3 2466.3
## - occupation_Housewife 1 2348.4 2466.4
## - TVarea_Grampian 1 2348.4 2466.4
## - region_WestMidlands 1 2348.4 2466.4
## - occupation_ManualWorker 1 2348.4 2466.4
## - status_Single_NeverMarried 1 2348.4 2466.4
## - family_income_LT_17500GT_EQ_15000 1 2348.4 2466.4
## - occupation_Secretarial_Admin 1 2348.5 2466.5
## - home_status_RentfromCouncil_HA 1 2348.5 2466.5
## - occupation_partner_Unknown 1 2348.6 2466.6
## - family_income_LT_20000GT_EQ_17500 1 2348.6 2466.6
## - TVarea_Yorkshire 1 2348.6 2466.6
## - occupation_partner_BusinessManager 1 2348.6 2466.6
## - occupation_partner_ManualWorker 1 2348.7 2466.7
## - TVarea_TyneTees 1 2348.7 2466.7
## - region_SouthWest 1 2348.8 2466.8
## - status_Divorced_Separated 1 2348.8 2466.8
## - year_last_moved 1 2348.8 2466.8
## - age 1 2348.8 2466.8
## - family_income_LT_27500GT_EQ_25000 1 2348.9 2466.9
## - region_Unknown 1 2349.0 2467.0
## - occupation_BusinessManager 1 2349.0 2467.0
## - region_North 1 2349.0 2467.0
## - TVarea_Unknown 1 2349.0 2467.0
## - region_EastAnglia 1 2349.4 2467.4
## - home_status_RentPrivately 1 2349.4 2467.4
## - TVarea_Anglia 1 2349.6 2467.6
## - occupation_Retired 1 2349.7 2467.7
## - family_income_LT_12500GT_EQ_10000 1 2349.7 2467.7
## - occupation_partner_Housewife 1 2349.9 2467.9
## - TVarea_HTV 1 2350.0 2468.0
## - TVarea_ScottishTV 1 2350.0 2468.0
## - family_income_LT_10000GT_EQ_8000 1 2350.0 2468.0
## - gender_Female 1 2350.1 2468.1
## - status_Partner 1 2350.2 2468.2
## <none> 2348.3 2468.3
## - Investment.in.Mutual.Fund 1 2350.4 2468.4
## - occupation_Unknown 1 2350.5 2468.5
## - occupation_partner_Retired 1 2350.5 2468.5
## - family_income_LT_22500GT_EQ_20000 1 2350.8 2468.8
## - TVarea_Meridian 1 2351.2 2469.2
## - family_income_LT_25000GT_EQ_22500 1 2351.7 2469.7
## - self_employed_partner_No 1 2352.3 2470.3
## - family_income_LT_30000GT_EQ_27500 1 2353.0 2471.0
## - Balance.Transfer 1 2379.2 2497.2
## - Medical.Insurance 1 2388.6 2506.6
## - Average.A.C.Balance 1 2418.8 2536.8
## - Home.Loan 1 2435.1 2553.1
## - Term.Deposit 1 2519.7 2637.7
## - Life.Insurance 1 2733.3 2851.3
## - Investment.Tax.Saving.Bond 1 2857.8 2975.8
## - Personal.Loan 1 2906.6 3024.6
## - Average.Credit.Card.Transaction 1 2907.9 3025.9
## - Online.Purchase.Amount 1 4033.2 4151.2
##
## Step: AIC=2466.3
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_EastMidlands + region_WestMidlands + region_SouthWest +
## region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - region_EastMidlands 1 2348.3 2464.3
## - occupation_partner_Secretarial_Admin 1 2348.4 2464.4
## - self_employed_No 1 2348.4 2464.4
## - occupation_partner_Professional 1 2348.4 2464.4
## - occupation_Housewife 1 2348.4 2464.4
## - region_NorthWest 1 2348.4 2464.4
## - TVarea_Carlton 1 2348.5 2464.5
## - occupation_ManualWorker 1 2348.5 2464.5
## - family_income_LT_17500GT_EQ_15000 1 2348.5 2464.5
## - status_Single_NeverMarried 1 2348.5 2464.5
## - occupation_Secretarial_Admin 1 2348.5 2464.5
## - TVarea_Grampian 1 2348.5 2464.5
## - home_status_RentfromCouncil_HA 1 2348.6 2464.6
## - region_WestMidlands 1 2348.6 2464.6
## - occupation_partner_Unknown 1 2348.6 2464.6
## - family_income_LT_20000GT_EQ_17500 1 2348.6 2464.6
## - TVarea_Yorkshire 1 2348.6 2464.6
## - occupation_partner_BusinessManager 1 2348.7 2464.7
## - occupation_partner_ManualWorker 1 2348.7 2464.7
## - TVarea_TyneTees 1 2348.7 2464.7
## - region_SouthWest 1 2348.8 2464.8
## - year_last_moved 1 2348.8 2464.8
## - status_Divorced_Separated 1 2348.8 2464.8
## - age 1 2348.8 2464.8
## - family_income_LT_27500GT_EQ_25000 1 2348.9 2464.9
## - region_Unknown 1 2349.0 2465.0
## - occupation_BusinessManager 1 2349.0 2465.0
## - region_North 1 2349.1 2465.1
## - TVarea_Unknown 1 2349.1 2465.1
## - region_EastAnglia 1 2349.4 2465.4
## - home_status_RentPrivately 1 2349.4 2465.4
## - occupation_Retired 1 2349.7 2465.7
## - family_income_LT_12500GT_EQ_10000 1 2349.8 2465.8
## - occupation_partner_Housewife 1 2350.0 2466.0
## - TVarea_Anglia 1 2350.0 2466.0
## - family_income_LT_10000GT_EQ_8000 1 2350.1 2466.1
## - gender_Female 1 2350.1 2466.1
## - TVarea_ScottishTV 1 2350.2 2466.2
## - status_Partner 1 2350.2 2466.2
## <none> 2348.3 2466.3
## - Investment.in.Mutual.Fund 1 2350.4 2466.4
## - occupation_Unknown 1 2350.5 2466.5
## - TVarea_HTV 1 2350.5 2466.5
## - occupation_partner_Retired 1 2350.6 2466.6
## - family_income_LT_22500GT_EQ_20000 1 2350.9 2466.9
## - family_income_LT_25000GT_EQ_22500 1 2351.7 2467.7
## - self_employed_partner_No 1 2352.3 2468.3
## - family_income_LT_30000GT_EQ_27500 1 2353.0 2469.0
## - TVarea_Meridian 1 2353.5 2469.5
## - Balance.Transfer 1 2379.4 2495.4
## - Medical.Insurance 1 2388.7 2504.7
## - Average.A.C.Balance 1 2418.8 2534.8
## - Home.Loan 1 2435.1 2551.1
## - Term.Deposit 1 2519.7 2635.7
## - Life.Insurance 1 2733.4 2849.4
## - Investment.Tax.Saving.Bond 1 2858.0 2974.0
## - Personal.Loan 1 2906.6 3022.6
## - Average.Credit.Card.Transaction 1 2908.6 3024.6
## - Online.Purchase.Amount 1 4033.2 4149.2
##
## Step: AIC=2464.34
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Secretarial_Admin +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Professional +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown +
## region_NorthWest
##
## Df Deviance AIC
## - occupation_partner_Secretarial_Admin 1 2348.4 2462.4
## - self_employed_No 1 2348.4 2462.4
## - occupation_partner_Professional 1 2348.4 2462.4
## - region_NorthWest 1 2348.4 2462.4
## - occupation_Housewife 1 2348.5 2462.5
## - occupation_ManualWorker 1 2348.5 2462.5
## - status_Single_NeverMarried 1 2348.5 2462.5
## - family_income_LT_17500GT_EQ_15000 1 2348.5 2462.5
## - occupation_Secretarial_Admin 1 2348.5 2462.5
## - home_status_RentfromCouncil_HA 1 2348.6 2462.6
## - TVarea_Grampian 1 2348.6 2462.6
## - TVarea_Carlton 1 2348.6 2462.6
## - TVarea_Yorkshire 1 2348.6 2462.6
## - family_income_LT_20000GT_EQ_17500 1 2348.7 2462.7
## - occupation_partner_Unknown 1 2348.7 2462.7
## - occupation_partner_BusinessManager 1 2348.7 2462.7
## - occupation_partner_ManualWorker 1 2348.7 2462.7
## - region_SouthWest 1 2348.8 2462.8
## - TVarea_TyneTees 1 2348.8 2462.8
## - region_WestMidlands 1 2348.8 2462.8
## - status_Divorced_Separated 1 2348.9 2462.9
## - year_last_moved 1 2348.9 2462.9
## - age 1 2348.9 2462.9
## - family_income_LT_27500GT_EQ_25000 1 2349.0 2463.0
## - region_Unknown 1 2349.1 2463.1
## - occupation_BusinessManager 1 2349.1 2463.1
## - TVarea_Unknown 1 2349.1 2463.1
## - region_North 1 2349.4 2463.4
## - region_EastAnglia 1 2349.4 2463.4
## - home_status_RentPrivately 1 2349.5 2463.5
## - occupation_Retired 1 2349.8 2463.8
## - family_income_LT_12500GT_EQ_10000 1 2349.8 2463.8
## - occupation_partner_Housewife 1 2350.0 2464.0
## - TVarea_Anglia 1 2350.1 2464.1
## - family_income_LT_10000GT_EQ_8000 1 2350.1 2464.1
## - gender_Female 1 2350.2 2464.2
## - TVarea_ScottishTV 1 2350.3 2464.3
## - status_Partner 1 2350.3 2464.3
## <none> 2348.3 2464.3
## - Investment.in.Mutual.Fund 1 2350.5 2464.5
## - occupation_Unknown 1 2350.6 2464.6
## - occupation_partner_Retired 1 2350.6 2464.6
## - family_income_LT_22500GT_EQ_20000 1 2350.9 2464.9
## - TVarea_HTV 1 2351.1 2465.1
## - family_income_LT_25000GT_EQ_22500 1 2351.8 2465.8
## - self_employed_partner_No 1 2352.3 2466.3
## - family_income_LT_30000GT_EQ_27500 1 2353.1 2467.1
## - TVarea_Meridian 1 2354.7 2468.7
## - Balance.Transfer 1 2379.4 2493.4
## - Medical.Insurance 1 2388.7 2502.7
## - Average.A.C.Balance 1 2418.8 2532.8
## - Home.Loan 1 2435.1 2549.1
## - Term.Deposit 1 2519.7 2633.7
## - Life.Insurance 1 2733.4 2847.4
## - Investment.Tax.Saving.Bond 1 2858.2 2972.2
## - Personal.Loan 1 2906.8 3020.8
## - Average.Credit.Card.Transaction 1 2908.6 3022.6
## - Online.Purchase.Amount 1 4033.8 4147.8
##
## Step: AIC=2462.4
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Professional + occupation_partner_Unknown +
## home_status_RentPrivately + home_status_RentfromCouncil_HA +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_No + self_employed_partner_No + TVarea_Unknown +
## TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton +
## gender_Female + region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest + region_Unknown + region_NorthWest
##
## Df Deviance AIC
## - occupation_partner_Professional 1 2348.4 2460.4
## - self_employed_No 1 2348.5 2460.5
## - region_NorthWest 1 2348.5 2460.5
## - occupation_Housewife 1 2348.5 2460.5
## - occupation_ManualWorker 1 2348.6 2460.6
## - status_Single_NeverMarried 1 2348.6 2460.6
## - family_income_LT_17500GT_EQ_15000 1 2348.6 2460.6
## - occupation_Secretarial_Admin 1 2348.6 2460.6
## - home_status_RentfromCouncil_HA 1 2348.7 2460.7
## - TVarea_Grampian 1 2348.7 2460.7
## - occupation_partner_Unknown 1 2348.7 2460.7
## - TVarea_Carlton 1 2348.7 2460.7
## - TVarea_Yorkshire 1 2348.7 2460.7
## - family_income_LT_20000GT_EQ_17500 1 2348.7 2460.7
## - occupation_partner_BusinessManager 1 2348.8 2460.8
## - occupation_partner_ManualWorker 1 2348.8 2460.8
## - region_SouthWest 1 2348.8 2460.8
## - TVarea_TyneTees 1 2348.9 2460.9
## - region_WestMidlands 1 2348.9 2460.9
## - status_Divorced_Separated 1 2348.9 2460.9
## - age 1 2348.9 2460.9
## - year_last_moved 1 2348.9 2460.9
## - family_income_LT_27500GT_EQ_25000 1 2349.0 2461.0
## - region_Unknown 1 2349.1 2461.1
## - occupation_BusinessManager 1 2349.1 2461.1
## - TVarea_Unknown 1 2349.2 2461.2
## - region_North 1 2349.4 2461.4
## - region_EastAnglia 1 2349.5 2461.5
## - home_status_RentPrivately 1 2349.5 2461.5
## - occupation_Retired 1 2349.8 2461.8
## - family_income_LT_12500GT_EQ_10000 1 2349.9 2461.9
## - TVarea_Anglia 1 2350.2 2462.2
## - family_income_LT_10000GT_EQ_8000 1 2350.2 2462.2
## - gender_Female 1 2350.3 2462.3
## - status_Partner 1 2350.3 2462.3
## - TVarea_ScottishTV 1 2350.3 2462.3
## <none> 2348.4 2462.4
## - Investment.in.Mutual.Fund 1 2350.5 2462.5
## - occupation_partner_Housewife 1 2350.6 2462.6
## - occupation_Unknown 1 2350.6 2462.6
## - family_income_LT_22500GT_EQ_20000 1 2351.0 2463.0
## - TVarea_HTV 1 2351.1 2463.1
## - occupation_partner_Retired 1 2351.6 2463.6
## - family_income_LT_25000GT_EQ_22500 1 2351.8 2463.8
## - self_employed_partner_No 1 2352.4 2464.4
## - family_income_LT_30000GT_EQ_27500 1 2353.1 2465.1
## - TVarea_Meridian 1 2354.8 2466.8
## - Balance.Transfer 1 2379.4 2491.4
## - Medical.Insurance 1 2388.8 2500.8
## - Average.A.C.Balance 1 2418.9 2530.9
## - Home.Loan 1 2435.1 2547.1
## - Term.Deposit 1 2520.0 2632.0
## - Life.Insurance 1 2733.5 2845.5
## - Investment.Tax.Saving.Bond 1 2858.5 2970.5
## - Personal.Loan 1 2906.9 3018.9
## - Average.Credit.Card.Transaction 1 2908.6 3020.6
## - Online.Purchase.Amount 1 4034.3 4146.3
##
## Step: AIC=2460.42
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_No + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown +
## region_NorthWest
##
## Df Deviance AIC
## - self_employed_No 1 2348.5 2458.5
## - region_NorthWest 1 2348.5 2458.5
## - occupation_Housewife 1 2348.5 2458.5
## - occupation_ManualWorker 1 2348.6 2458.6
## - status_Single_NeverMarried 1 2348.6 2458.6
## - occupation_Secretarial_Admin 1 2348.6 2458.6
## - family_income_LT_17500GT_EQ_15000 1 2348.6 2458.6
## - home_status_RentfromCouncil_HA 1 2348.7 2458.7
## - TVarea_Grampian 1 2348.7 2458.7
## - TVarea_Carlton 1 2348.7 2458.7
## - TVarea_Yorkshire 1 2348.7 2458.7
## - occupation_partner_Unknown 1 2348.7 2458.7
## - family_income_LT_20000GT_EQ_17500 1 2348.8 2458.8
## - occupation_partner_BusinessManager 1 2348.8 2458.8
## - region_SouthWest 1 2348.8 2458.8
## - TVarea_TyneTees 1 2348.9 2458.9
## - status_Divorced_Separated 1 2348.9 2458.9
## - region_WestMidlands 1 2348.9 2458.9
## - age 1 2348.9 2458.9
## - occupation_partner_ManualWorker 1 2348.9 2458.9
## - year_last_moved 1 2348.9 2458.9
## - family_income_LT_27500GT_EQ_25000 1 2349.1 2459.1
## - region_Unknown 1 2349.1 2459.1
## - occupation_BusinessManager 1 2349.2 2459.2
## - TVarea_Unknown 1 2349.2 2459.2
## - region_North 1 2349.4 2459.4
## - region_EastAnglia 1 2349.5 2459.5
## - home_status_RentPrivately 1 2349.5 2459.5
## - occupation_Retired 1 2349.8 2459.8
## - family_income_LT_12500GT_EQ_10000 1 2349.9 2459.9
## - TVarea_Anglia 1 2350.2 2460.2
## - family_income_LT_10000GT_EQ_8000 1 2350.2 2460.2
## - status_Partner 1 2350.3 2460.3
## - TVarea_ScottishTV 1 2350.3 2460.3
## <none> 2348.4 2460.4
## - gender_Female 1 2350.4 2460.4
## - Investment.in.Mutual.Fund 1 2350.5 2460.5
## - occupation_Unknown 1 2350.7 2460.7
## - occupation_partner_Housewife 1 2350.8 2460.8
## - family_income_LT_22500GT_EQ_20000 1 2351.1 2461.1
## - TVarea_HTV 1 2351.2 2461.2
## - family_income_LT_25000GT_EQ_22500 1 2351.9 2461.9
## - self_employed_partner_No 1 2352.4 2462.4
## - occupation_partner_Retired 1 2352.6 2462.6
## - family_income_LT_30000GT_EQ_27500 1 2353.2 2463.2
## - TVarea_Meridian 1 2354.8 2464.8
## - Balance.Transfer 1 2379.4 2489.4
## - Medical.Insurance 1 2388.9 2498.9
## - Average.A.C.Balance 1 2418.9 2528.9
## - Home.Loan 1 2435.2 2545.2
## - Term.Deposit 1 2520.1 2630.1
## - Life.Insurance 1 2733.9 2843.9
## - Investment.Tax.Saving.Bond 1 2858.6 2968.6
## - Personal.Loan 1 2906.9 3016.9
## - Average.Credit.Card.Transaction 1 2908.7 3018.7
## - Online.Purchase.Amount 1 4034.3 4144.3
##
## Step: AIC=2458.47
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown +
## region_NorthWest
##
## Df Deviance AIC
## - region_NorthWest 1 2348.6 2456.6
## - occupation_Housewife 1 2348.6 2456.6
## - status_Single_NeverMarried 1 2348.7 2456.7
## - occupation_ManualWorker 1 2348.7 2456.7
## - occupation_Secretarial_Admin 1 2348.7 2456.7
## - family_income_LT_17500GT_EQ_15000 1 2348.7 2456.7
## - home_status_RentfromCouncil_HA 1 2348.7 2456.7
## - TVarea_Grampian 1 2348.8 2456.8
## - TVarea_Carlton 1 2348.8 2456.8
## - TVarea_Yorkshire 1 2348.8 2456.8
## - family_income_LT_20000GT_EQ_17500 1 2348.8 2456.8
## - occupation_partner_Unknown 1 2348.8 2456.8
## - occupation_partner_BusinessManager 1 2348.9 2456.9
## - region_SouthWest 1 2348.9 2456.9
## - TVarea_TyneTees 1 2348.9 2456.9
## - region_WestMidlands 1 2349.0 2457.0
## - age 1 2349.0 2457.0
## - status_Divorced_Separated 1 2349.0 2457.0
## - occupation_partner_ManualWorker 1 2349.0 2457.0
## - year_last_moved 1 2349.0 2457.0
## - family_income_LT_27500GT_EQ_25000 1 2349.1 2457.1
## - region_Unknown 1 2349.2 2457.2
## - occupation_BusinessManager 1 2349.2 2457.2
## - TVarea_Unknown 1 2349.2 2457.2
## - region_North 1 2349.5 2457.5
## - home_status_RentPrivately 1 2349.6 2457.6
## - region_EastAnglia 1 2349.6 2457.6
## - occupation_Retired 1 2349.9 2457.9
## - family_income_LT_12500GT_EQ_10000 1 2350.0 2458.0
## - TVarea_Anglia 1 2350.3 2458.3
## - family_income_LT_10000GT_EQ_8000 1 2350.3 2458.3
## - status_Partner 1 2350.4 2458.4
## - TVarea_ScottishTV 1 2350.4 2458.4
## <none> 2348.5 2458.5
## - gender_Female 1 2350.6 2458.6
## - Investment.in.Mutual.Fund 1 2350.6 2458.6
## - occupation_partner_Housewife 1 2350.9 2458.9
## - occupation_Unknown 1 2351.1 2459.1
## - family_income_LT_22500GT_EQ_20000 1 2351.2 2459.2
## - TVarea_HTV 1 2351.2 2459.2
## - family_income_LT_25000GT_EQ_22500 1 2352.0 2460.0
## - occupation_partner_Retired 1 2352.7 2460.7
## - self_employed_partner_No 1 2352.9 2460.9
## - family_income_LT_30000GT_EQ_27500 1 2353.2 2461.2
## - TVarea_Meridian 1 2354.9 2462.9
## - Balance.Transfer 1 2379.5 2487.5
## - Medical.Insurance 1 2388.9 2496.9
## - Average.A.C.Balance 1 2419.1 2527.1
## - Home.Loan 1 2435.2 2543.2
## - Term.Deposit 1 2520.4 2628.4
## - Life.Insurance 1 2734.0 2842.0
## - Investment.Tax.Saving.Bond 1 2858.9 2966.9
## - Personal.Loan 1 2907.0 3015.0
## - Average.Credit.Card.Transaction 1 2908.7 3016.7
## - Online.Purchase.Amount 1 4034.3 4142.3
##
## Step: AIC=2456.56
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Housewife + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - occupation_Housewife 1 2348.7 2454.7
## - occupation_ManualWorker 1 2348.7 2454.7
## - status_Single_NeverMarried 1 2348.7 2454.7
## - occupation_Secretarial_Admin 1 2348.8 2454.8
## - family_income_LT_17500GT_EQ_15000 1 2348.8 2454.8
## - home_status_RentfromCouncil_HA 1 2348.8 2454.8
## - family_income_LT_20000GT_EQ_17500 1 2348.9 2454.9
## - occupation_partner_Unknown 1 2348.9 2454.9
## - TVarea_Carlton 1 2348.9 2454.9
## - region_SouthWest 1 2348.9 2454.9
## - TVarea_Grampian 1 2348.9 2454.9
## - TVarea_Yorkshire 1 2349.0 2455.0
## - occupation_partner_BusinessManager 1 2349.0 2455.0
## - TVarea_TyneTees 1 2349.0 2455.0
## - age 1 2349.1 2455.1
## - status_Divorced_Separated 1 2349.1 2455.1
## - occupation_partner_ManualWorker 1 2349.1 2455.1
## - year_last_moved 1 2349.1 2455.1
## - family_income_LT_27500GT_EQ_25000 1 2349.2 2455.2
## - region_Unknown 1 2349.3 2455.3
## - region_WestMidlands 1 2349.3 2455.3
## - occupation_BusinessManager 1 2349.3 2455.3
## - TVarea_Unknown 1 2349.4 2455.4
## - region_EastAnglia 1 2349.6 2455.6
## - region_North 1 2349.7 2455.7
## - home_status_RentPrivately 1 2349.7 2455.7
## - occupation_Retired 1 2349.9 2455.9
## - family_income_LT_12500GT_EQ_10000 1 2350.0 2456.0
## - family_income_LT_10000GT_EQ_8000 1 2350.4 2456.4
## - TVarea_ScottishTV 1 2350.4 2456.4
## - status_Partner 1 2350.5 2456.5
## - TVarea_Anglia 1 2350.5 2456.5
## <none> 2348.6 2456.6
## - gender_Female 1 2350.6 2456.6
## - Investment.in.Mutual.Fund 1 2350.7 2456.7
## - occupation_partner_Housewife 1 2351.0 2457.0
## - occupation_Unknown 1 2351.2 2457.2
## - family_income_LT_22500GT_EQ_20000 1 2351.3 2457.3
## - TVarea_HTV 1 2351.7 2457.7
## - family_income_LT_25000GT_EQ_22500 1 2352.1 2458.1
## - occupation_partner_Retired 1 2352.8 2458.8
## - self_employed_partner_No 1 2353.0 2459.0
## - family_income_LT_30000GT_EQ_27500 1 2353.3 2459.3
## - TVarea_Meridian 1 2355.2 2461.2
## - Balance.Transfer 1 2379.5 2485.5
## - Medical.Insurance 1 2389.0 2495.0
## - Average.A.C.Balance 1 2419.5 2525.5
## - Home.Loan 1 2435.2 2541.2
## - Term.Deposit 1 2520.5 2626.5
## - Life.Insurance 1 2734.1 2840.1
## - Investment.Tax.Saving.Bond 1 2859.2 2965.2
## - Personal.Loan 1 2907.5 3013.5
## - Average.Credit.Card.Transaction 1 2909.0 3015.0
## - Online.Purchase.Amount 1 4034.3 4140.3
##
## Step: AIC=2454.7
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Secretarial_Admin +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - occupation_Secretarial_Admin 1 2348.8 2452.8
## - status_Single_NeverMarried 1 2348.9 2452.9
## - family_income_LT_17500GT_EQ_15000 1 2348.9 2452.9
## - occupation_ManualWorker 1 2349.0 2453.0
## - home_status_RentfromCouncil_HA 1 2349.0 2453.0
## - family_income_LT_20000GT_EQ_17500 1 2349.0 2453.0
## - region_SouthWest 1 2349.0 2453.0
## - occupation_partner_Unknown 1 2349.0 2453.0
## - TVarea_Carlton 1 2349.1 2453.1
## - TVarea_Grampian 1 2349.1 2453.1
## - TVarea_Yorkshire 1 2349.1 2453.1
## - occupation_partner_BusinessManager 1 2349.1 2453.1
## - TVarea_TyneTees 1 2349.1 2453.1
## - age 1 2349.2 2453.2
## - status_Divorced_Separated 1 2349.3 2453.3
## - occupation_partner_ManualWorker 1 2349.3 2453.3
## - year_last_moved 1 2349.3 2453.3
## - family_income_LT_27500GT_EQ_25000 1 2349.4 2453.4
## - region_Unknown 1 2349.4 2453.4
## - region_WestMidlands 1 2349.4 2453.4
## - TVarea_Unknown 1 2349.5 2453.5
## - occupation_BusinessManager 1 2349.6 2453.6
## - region_EastAnglia 1 2349.8 2453.8
## - region_North 1 2349.8 2453.8
## - home_status_RentPrivately 1 2349.8 2453.8
## - family_income_LT_12500GT_EQ_10000 1 2350.1 2454.1
## - family_income_LT_10000GT_EQ_8000 1 2350.5 2454.5
## - TVarea_ScottishTV 1 2350.6 2454.6
## - occupation_Retired 1 2350.6 2454.6
## - status_Partner 1 2350.6 2454.6
## - TVarea_Anglia 1 2350.6 2454.6
## <none> 2348.7 2454.7
## - Investment.in.Mutual.Fund 1 2350.8 2454.8
## - gender_Female 1 2351.0 2455.0
## - occupation_partner_Housewife 1 2351.1 2455.1
## - family_income_LT_22500GT_EQ_20000 1 2351.3 2455.3
## - occupation_Unknown 1 2351.8 2455.8
## - TVarea_HTV 1 2351.9 2455.9
## - family_income_LT_25000GT_EQ_22500 1 2352.1 2456.1
## - occupation_partner_Retired 1 2352.9 2456.9
## - self_employed_partner_No 1 2353.0 2457.0
## - family_income_LT_30000GT_EQ_27500 1 2353.4 2457.4
## - TVarea_Meridian 1 2355.3 2459.3
## - Balance.Transfer 1 2379.6 2483.6
## - Medical.Insurance 1 2389.0 2493.0
## - Average.A.C.Balance 1 2419.8 2523.8
## - Home.Loan 1 2435.4 2539.4
## - Term.Deposit 1 2520.8 2624.8
## - Life.Insurance 1 2736.1 2840.1
## - Investment.Tax.Saving.Bond 1 2859.3 2963.3
## - Personal.Loan 1 2907.6 3011.6
## - Average.Credit.Card.Transaction 1 2909.1 3013.1
## - Online.Purchase.Amount 1 4034.9 4138.9
##
## Step: AIC=2452.82
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Single_NeverMarried +
## status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Retired + occupation_partner_Housewife +
## occupation_partner_BusinessManager + occupation_partner_ManualWorker +
## occupation_partner_Retired + occupation_partner_Unknown +
## home_status_RentPrivately + home_status_RentfromCouncil_HA +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_17500GT_EQ_15000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - status_Single_NeverMarried 1 2349.0 2451.0
## - family_income_LT_17500GT_EQ_15000 1 2349.0 2451.0
## - home_status_RentfromCouncil_HA 1 2349.1 2451.1
## - family_income_LT_20000GT_EQ_17500 1 2349.1 2451.1
## - occupation_ManualWorker 1 2349.1 2451.1
## - occupation_partner_Unknown 1 2349.2 2451.2
## - region_SouthWest 1 2349.2 2451.2
## - TVarea_Carlton 1 2349.2 2451.2
## - TVarea_Grampian 1 2349.2 2451.2
## - TVarea_Yorkshire 1 2349.2 2451.2
## - TVarea_TyneTees 1 2349.2 2451.2
## - occupation_partner_BusinessManager 1 2349.3 2451.3
## - age 1 2349.3 2451.3
## - status_Divorced_Separated 1 2349.4 2451.4
## - year_last_moved 1 2349.4 2451.4
## - occupation_partner_ManualWorker 1 2349.4 2451.4
## - family_income_LT_27500GT_EQ_25000 1 2349.4 2451.4
## - region_Unknown 1 2349.5 2451.5
## - region_WestMidlands 1 2349.5 2451.5
## - TVarea_Unknown 1 2349.6 2451.6
## - occupation_BusinessManager 1 2349.9 2451.9
## - region_North 1 2349.9 2451.9
## - region_EastAnglia 1 2349.9 2451.9
## - home_status_RentPrivately 1 2349.9 2451.9
## - family_income_LT_12500GT_EQ_10000 1 2350.2 2452.2
## - family_income_LT_10000GT_EQ_8000 1 2350.6 2452.6
## - TVarea_ScottishTV 1 2350.7 2452.7
## - TVarea_Anglia 1 2350.7 2452.7
## - status_Partner 1 2350.7 2452.7
## <none> 2348.8 2452.8
## - occupation_Retired 1 2350.9 2452.9
## - Investment.in.Mutual.Fund 1 2351.0 2453.0
## - occupation_partner_Housewife 1 2351.2 2453.2
## - gender_Female 1 2351.2 2453.2
## - family_income_LT_22500GT_EQ_20000 1 2351.4 2453.4
## - TVarea_HTV 1 2352.0 2454.0
## - occupation_Unknown 1 2352.1 2454.1
## - family_income_LT_25000GT_EQ_22500 1 2352.2 2454.2
## - occupation_partner_Retired 1 2353.1 2455.1
## - self_employed_partner_No 1 2353.1 2455.1
## - family_income_LT_30000GT_EQ_27500 1 2353.5 2455.5
## - TVarea_Meridian 1 2355.4 2457.4
## - Balance.Transfer 1 2379.8 2481.8
## - Medical.Insurance 1 2389.2 2491.2
## - Average.A.C.Balance 1 2419.9 2521.9
## - Home.Loan 1 2435.6 2537.6
## - Term.Deposit 1 2521.0 2623.0
## - Life.Insurance 1 2736.5 2838.5
## - Investment.Tax.Saving.Bond 1 2859.5 2961.5
## - Personal.Loan 1 2907.6 3009.6
## - Average.Credit.Card.Transaction 1 2909.2 3011.2
## - Online.Purchase.Amount 1 4034.9 4136.9
##
## Step: AIC=2451.01
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_17500GT_EQ_15000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_20000GT_EQ_17500 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - family_income_LT_17500GT_EQ_15000 1 2349.2 2449.2
## - home_status_RentfromCouncil_HA 1 2349.3 2449.3
## - family_income_LT_20000GT_EQ_17500 1 2349.3 2449.3
## - occupation_ManualWorker 1 2349.4 2449.4
## - TVarea_Carlton 1 2349.4 2449.4
## - region_SouthWest 1 2349.4 2449.4
## - status_Divorced_Separated 1 2349.4 2449.4
## - occupation_partner_Unknown 1 2349.4 2449.4
## - TVarea_Grampian 1 2349.4 2449.4
## - TVarea_Yorkshire 1 2349.4 2449.4
## - TVarea_TyneTees 1 2349.4 2449.4
## - occupation_partner_BusinessManager 1 2349.5 2449.5
## - occupation_partner_ManualWorker 1 2349.6 2449.6
## - family_income_LT_27500GT_EQ_25000 1 2349.6 2449.6
## - year_last_moved 1 2349.7 2449.7
## - region_WestMidlands 1 2349.7 2449.7
## - region_Unknown 1 2349.7 2449.7
## - age 1 2349.9 2449.9
## - TVarea_Unknown 1 2349.9 2449.9
## - home_status_RentPrivately 1 2350.1 2450.1
## - region_North 1 2350.1 2450.1
## - occupation_BusinessManager 1 2350.1 2450.1
## - region_EastAnglia 1 2350.1 2450.1
## - family_income_LT_12500GT_EQ_10000 1 2350.4 2450.4
## - family_income_LT_10000GT_EQ_8000 1 2350.8 2450.8
## - TVarea_ScottishTV 1 2350.9 2450.9
## - TVarea_Anglia 1 2351.0 2451.0
## <none> 2349.0 2451.0
## - occupation_Retired 1 2351.0 2451.0
## - Investment.in.Mutual.Fund 1 2351.2 2451.2
## - occupation_partner_Housewife 1 2351.4 2451.4
## - gender_Female 1 2351.6 2451.6
## - family_income_LT_22500GT_EQ_20000 1 2351.6 2451.6
## - status_Partner 1 2351.7 2451.7
## - TVarea_HTV 1 2352.2 2452.2
## - occupation_Unknown 1 2352.3 2452.3
## - family_income_LT_25000GT_EQ_22500 1 2352.5 2452.5
## - occupation_partner_Retired 1 2353.1 2453.1
## - self_employed_partner_No 1 2353.4 2453.4
## - family_income_LT_30000GT_EQ_27500 1 2353.7 2453.7
## - TVarea_Meridian 1 2355.6 2455.6
## - Balance.Transfer 1 2379.9 2479.9
## - Medical.Insurance 1 2389.3 2489.3
## - Average.A.C.Balance 1 2420.1 2520.1
## - Home.Loan 1 2435.8 2535.8
## - Term.Deposit 1 2521.4 2621.4
## - Life.Insurance 1 2736.6 2836.6
## - Investment.Tax.Saving.Bond 1 2860.4 2960.4
## - Personal.Loan 1 2909.4 3009.4
## - Average.Credit.Card.Transaction 1 2909.7 3009.7
## - Online.Purchase.Amount 1 4035.1 4135.1
##
## Step: AIC=2449.23
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_20000GT_EQ_17500 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - family_income_LT_20000GT_EQ_17500 1 2349.5 2447.5
## - home_status_RentfromCouncil_HA 1 2349.5 2447.5
## - occupation_partner_Unknown 1 2349.6 2447.6
## - TVarea_Carlton 1 2349.6 2447.6
## - TVarea_Grampian 1 2349.6 2447.6
## - region_SouthWest 1 2349.6 2447.6
## - status_Divorced_Separated 1 2349.6 2447.6
## - TVarea_Yorkshire 1 2349.6 2447.6
## - occupation_ManualWorker 1 2349.6 2447.6
## - TVarea_TyneTees 1 2349.7 2447.7
## - occupation_partner_BusinessManager 1 2349.7 2447.7
## - occupation_partner_ManualWorker 1 2349.8 2447.8
## - family_income_LT_27500GT_EQ_25000 1 2349.8 2447.8
## - year_last_moved 1 2349.9 2447.9
## - region_WestMidlands 1 2349.9 2447.9
## - region_Unknown 1 2349.9 2447.9
## - age 1 2350.1 2448.1
## - TVarea_Unknown 1 2350.1 2448.1
## - home_status_RentPrivately 1 2350.3 2448.3
## - occupation_BusinessManager 1 2350.3 2448.3
## - region_North 1 2350.3 2448.3
## - region_EastAnglia 1 2350.4 2448.4
## - family_income_LT_12500GT_EQ_10000 1 2350.4 2448.4
## - family_income_LT_10000GT_EQ_8000 1 2350.8 2448.8
## - TVarea_ScottishTV 1 2351.1 2449.1
## - TVarea_Anglia 1 2351.2 2449.2
## <none> 2349.2 2449.2
## - occupation_Retired 1 2351.3 2449.3
## - Investment.in.Mutual.Fund 1 2351.3 2449.3
## - occupation_partner_Housewife 1 2351.5 2449.5
## - family_income_LT_22500GT_EQ_20000 1 2351.7 2449.7
## - gender_Female 1 2351.8 2449.8
## - status_Partner 1 2351.9 2449.9
## - TVarea_HTV 1 2352.4 2450.4
## - occupation_Unknown 1 2352.5 2450.5
## - family_income_LT_25000GT_EQ_22500 1 2352.6 2450.6
## - occupation_partner_Retired 1 2353.2 2451.2
## - self_employed_partner_No 1 2353.6 2451.6
## - family_income_LT_30000GT_EQ_27500 1 2353.7 2451.7
## - TVarea_Meridian 1 2355.7 2453.7
## - Balance.Transfer 1 2380.0 2478.0
## - Medical.Insurance 1 2389.7 2487.7
## - Average.A.C.Balance 1 2420.7 2518.7
## - Home.Loan 1 2436.0 2534.0
## - Term.Deposit 1 2521.4 2619.4
## - Life.Insurance 1 2736.9 2834.9
## - Investment.Tax.Saving.Bond 1 2860.5 2958.5
## - Average.Credit.Card.Transaction 1 2910.1 3008.1
## - Personal.Loan 1 2910.1 3008.1
## - Online.Purchase.Amount 1 4039.5 4137.5
##
## Step: AIC=2447.48
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## home_status_RentfromCouncil_HA + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - home_status_RentfromCouncil_HA 1 2349.7 2445.7
## - occupation_partner_Unknown 1 2349.8 2445.8
## - TVarea_Carlton 1 2349.8 2445.8
## - TVarea_Grampian 1 2349.8 2445.8
## - region_SouthWest 1 2349.8 2445.8
## - status_Divorced_Separated 1 2349.9 2445.9
## - TVarea_Yorkshire 1 2349.9 2445.9
## - occupation_ManualWorker 1 2349.9 2445.9
## - family_income_LT_27500GT_EQ_25000 1 2349.9 2445.9
## - occupation_partner_BusinessManager 1 2349.9 2445.9
## - TVarea_TyneTees 1 2349.9 2445.9
## - occupation_partner_ManualWorker 1 2349.9 2445.9
## - year_last_moved 1 2350.1 2446.1
## - region_Unknown 1 2350.2 2446.2
## - region_WestMidlands 1 2350.2 2446.2
## - TVarea_Unknown 1 2350.3 2446.3
## - age 1 2350.3 2446.3
## - home_status_RentPrivately 1 2350.5 2446.5
## - occupation_BusinessManager 1 2350.5 2446.5
## - family_income_LT_12500GT_EQ_10000 1 2350.6 2446.6
## - region_North 1 2350.6 2446.6
## - region_EastAnglia 1 2350.6 2446.6
## - family_income_LT_10000GT_EQ_8000 1 2350.9 2446.9
## - TVarea_ScottishTV 1 2351.3 2447.3
## - TVarea_Anglia 1 2351.4 2447.4
## <none> 2349.5 2447.5
## - occupation_Retired 1 2351.6 2447.6
## - Investment.in.Mutual.Fund 1 2351.6 2447.6
## - occupation_partner_Housewife 1 2351.7 2447.7
## - family_income_LT_22500GT_EQ_20000 1 2351.8 2447.8
## - gender_Female 1 2352.1 2448.1
## - status_Partner 1 2352.2 2448.2
## - family_income_LT_25000GT_EQ_22500 1 2352.6 2448.6
## - TVarea_HTV 1 2352.6 2448.6
## - occupation_Unknown 1 2352.7 2448.7
## - occupation_partner_Retired 1 2353.3 2449.3
## - family_income_LT_30000GT_EQ_27500 1 2353.8 2449.8
## - self_employed_partner_No 1 2353.9 2449.9
## - TVarea_Meridian 1 2355.9 2451.9
## - Balance.Transfer 1 2380.3 2476.3
## - Medical.Insurance 1 2390.0 2486.0
## - Average.A.C.Balance 1 2421.0 2517.0
## - Home.Loan 1 2436.0 2532.0
## - Term.Deposit 1 2521.8 2617.8
## - Life.Insurance 1 2737.0 2833.0
## - Investment.Tax.Saving.Bond 1 2860.5 2956.5
## - Average.Credit.Card.Transaction 1 2910.2 3006.2
## - Personal.Loan 1 2910.3 3006.3
## - Online.Purchase.Amount 1 4040.1 4136.1
##
## Step: AIC=2445.73
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## occupation_partner_Unknown + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - occupation_partner_Unknown 1 2350.0 2444.0
## - TVarea_Carlton 1 2350.1 2444.1
## - TVarea_Grampian 1 2350.1 2444.1
## - TVarea_Yorkshire 1 2350.1 2444.1
## - status_Divorced_Separated 1 2350.1 2444.1
## - region_SouthWest 1 2350.1 2444.1
## - family_income_LT_27500GT_EQ_25000 1 2350.1 2444.1
## - occupation_partner_ManualWorker 1 2350.2 2444.2
## - occupation_partner_BusinessManager 1 2350.2 2444.2
## - TVarea_TyneTees 1 2350.2 2444.2
## - occupation_ManualWorker 1 2350.2 2444.2
## - year_last_moved 1 2350.4 2444.4
## - region_WestMidlands 1 2350.4 2444.4
## - region_Unknown 1 2350.4 2444.4
## - TVarea_Unknown 1 2350.5 2444.5
## - age 1 2350.6 2444.6
## - occupation_BusinessManager 1 2350.8 2444.8
## - home_status_RentPrivately 1 2350.8 2444.8
## - region_North 1 2350.8 2444.8
## - family_income_LT_12500GT_EQ_10000 1 2350.9 2444.9
## - region_EastAnglia 1 2350.9 2444.9
## - family_income_LT_10000GT_EQ_8000 1 2351.3 2445.3
## - TVarea_Anglia 1 2351.7 2445.7
## <none> 2349.7 2445.7
## - TVarea_ScottishTV 1 2351.8 2445.8
## - Investment.in.Mutual.Fund 1 2351.9 2445.9
## - occupation_Retired 1 2351.9 2445.9
## - occupation_partner_Housewife 1 2352.0 2446.0
## - family_income_LT_22500GT_EQ_20000 1 2352.0 2446.0
## - gender_Female 1 2352.3 2446.3
## - status_Partner 1 2352.4 2446.4
## - family_income_LT_25000GT_EQ_22500 1 2352.8 2446.8
## - TVarea_HTV 1 2352.9 2446.9
## - occupation_Unknown 1 2353.0 2447.0
## - occupation_partner_Retired 1 2353.6 2447.6
## - family_income_LT_30000GT_EQ_27500 1 2354.0 2448.0
## - self_employed_partner_No 1 2354.1 2448.1
## - TVarea_Meridian 1 2356.2 2450.2
## - Balance.Transfer 1 2380.4 2474.4
## - Medical.Insurance 1 2390.2 2484.2
## - Average.A.C.Balance 1 2421.2 2515.2
## - Home.Loan 1 2436.2 2530.2
## - Term.Deposit 1 2522.0 2616.0
## - Life.Insurance 1 2737.0 2831.0
## - Investment.Tax.Saving.Bond 1 2860.8 2954.8
## - Average.Credit.Card.Transaction 1 2910.6 3004.6
## - Personal.Loan 1 2910.7 3004.7
## - Online.Purchase.Amount 1 4040.1 4134.1
##
## Step: AIC=2444.01
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_ManualWorker + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - occupation_partner_ManualWorker 1 2350.3 2442.3
## - occupation_partner_BusinessManager 1 2350.3 2442.3
## - status_Divorced_Separated 1 2350.3 2442.3
## - TVarea_Carlton 1 2350.3 2442.3
## - TVarea_Grampian 1 2350.4 2442.4
## - TVarea_Yorkshire 1 2350.4 2442.4
## - region_SouthWest 1 2350.4 2442.4
## - family_income_LT_27500GT_EQ_25000 1 2350.4 2442.4
## - TVarea_TyneTees 1 2350.4 2442.4
## - occupation_ManualWorker 1 2350.5 2442.5
## - year_last_moved 1 2350.7 2442.7
## - region_WestMidlands 1 2350.7 2442.7
## - region_Unknown 1 2350.7 2442.7
## - TVarea_Unknown 1 2350.8 2442.8
## - age 1 2351.0 2443.0
## - occupation_BusinessManager 1 2351.0 2443.0
## - home_status_RentPrivately 1 2351.0 2443.0
## - family_income_LT_12500GT_EQ_10000 1 2351.1 2443.1
## - region_North 1 2351.1 2443.1
## - region_EastAnglia 1 2351.2 2443.2
## - family_income_LT_10000GT_EQ_8000 1 2351.5 2443.5
## - TVarea_Anglia 1 2351.9 2443.9
## <none> 2350.0 2444.0
## - occupation_Retired 1 2352.0 2444.0
## - occupation_partner_Housewife 1 2352.0 2444.0
## - TVarea_ScottishTV 1 2352.1 2444.1
## - Investment.in.Mutual.Fund 1 2352.1 2444.1
## - family_income_LT_22500GT_EQ_20000 1 2352.2 2444.2
## - gender_Female 1 2352.7 2444.7
## - family_income_LT_25000GT_EQ_22500 1 2353.0 2445.0
## - occupation_Unknown 1 2353.0 2445.0
## - TVarea_HTV 1 2353.2 2445.2
## - occupation_partner_Retired 1 2353.6 2445.6
## - self_employed_partner_No 1 2354.1 2446.1
## - family_income_LT_30000GT_EQ_27500 1 2354.2 2446.2
## - status_Partner 1 2354.8 2446.8
## - TVarea_Meridian 1 2356.5 2448.5
## - Balance.Transfer 1 2380.6 2472.6
## - Medical.Insurance 1 2390.4 2482.4
## - Average.A.C.Balance 1 2421.5 2513.5
## - Home.Loan 1 2436.3 2528.3
## - Term.Deposit 1 2523.9 2615.9
## - Life.Insurance 1 2737.4 2829.4
## - Investment.Tax.Saving.Bond 1 2860.9 2952.9
## - Personal.Loan 1 2910.9 3002.9
## - Average.Credit.Card.Transaction 1 2911.3 3003.3
## - Online.Purchase.Amount 1 4040.3 4132.3
##
## Step: AIC=2442.28
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_BusinessManager +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_Grampian +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Yorkshire + TVarea_Meridian + TVarea_Carlton + gender_Female +
## region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - occupation_partner_BusinessManager 1 2350.5 2440.5
## - TVarea_Carlton 1 2350.6 2440.6
## - TVarea_Grampian 1 2350.6 2440.6
## - status_Divorced_Separated 1 2350.6 2440.6
## - TVarea_Yorkshire 1 2350.6 2440.6
## - region_SouthWest 1 2350.7 2440.7
## - family_income_LT_27500GT_EQ_25000 1 2350.7 2440.7
## - occupation_ManualWorker 1 2350.7 2440.7
## - TVarea_TyneTees 1 2350.7 2440.7
## - region_WestMidlands 1 2350.9 2440.9
## - year_last_moved 1 2351.0 2441.0
## - region_Unknown 1 2351.0 2441.0
## - TVarea_Unknown 1 2351.1 2441.1
## - age 1 2351.2 2441.2
## - family_income_LT_12500GT_EQ_10000 1 2351.2 2441.2
## - occupation_BusinessManager 1 2351.3 2441.3
## - home_status_RentPrivately 1 2351.3 2441.3
## - region_North 1 2351.4 2441.4
## - region_EastAnglia 1 2351.5 2441.5
## - family_income_LT_10000GT_EQ_8000 1 2351.7 2441.7
## - occupation_partner_Housewife 1 2352.2 2442.2
## - TVarea_Anglia 1 2352.2 2442.2
## <none> 2350.3 2442.3
## - occupation_Retired 1 2352.3 2442.3
## - TVarea_ScottishTV 1 2352.3 2442.3
## - family_income_LT_22500GT_EQ_20000 1 2352.4 2442.4
## - Investment.in.Mutual.Fund 1 2352.4 2442.4
## - family_income_LT_25000GT_EQ_22500 1 2353.2 2443.2
## - gender_Female 1 2353.4 2443.4
## - occupation_Unknown 1 2353.4 2443.4
## - TVarea_HTV 1 2353.5 2443.5
## - occupation_partner_Retired 1 2353.7 2443.7
## - self_employed_partner_No 1 2354.4 2444.4
## - family_income_LT_30000GT_EQ_27500 1 2354.5 2444.5
## - status_Partner 1 2354.8 2444.8
## - TVarea_Meridian 1 2356.7 2446.7
## - Balance.Transfer 1 2380.9 2470.9
## - Medical.Insurance 1 2390.4 2480.4
## - Average.A.C.Balance 1 2421.7 2511.7
## - Home.Loan 1 2436.4 2526.4
## - Term.Deposit 1 2524.6 2614.6
## - Life.Insurance 1 2737.5 2827.5
## - Investment.Tax.Saving.Bond 1 2861.8 2951.8
## - Personal.Loan 1 2911.1 3001.1
## - Average.Credit.Card.Transaction 1 2911.4 3001.4
## - Online.Purchase.Amount 1 4040.5 4130.5
##
## Step: AIC=2440.47
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## TVarea_Carlton + gender_Female + region_EastAnglia + region_North +
## region_WestMidlands + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - TVarea_Carlton 1 2350.8 2438.8
## - TVarea_Grampian 1 2350.8 2438.8
## - status_Divorced_Separated 1 2350.8 2438.8
## - TVarea_Yorkshire 1 2350.8 2438.8
## - region_SouthWest 1 2350.8 2438.8
## - family_income_LT_27500GT_EQ_25000 1 2350.9 2438.9
## - occupation_ManualWorker 1 2350.9 2438.9
## - TVarea_TyneTees 1 2350.9 2438.9
## - year_last_moved 1 2351.1 2439.1
## - region_WestMidlands 1 2351.1 2439.1
## - region_Unknown 1 2351.2 2439.2
## - TVarea_Unknown 1 2351.3 2439.3
## - age 1 2351.3 2439.3
## - occupation_BusinessManager 1 2351.4 2439.4
## - family_income_LT_12500GT_EQ_10000 1 2351.5 2439.5
## - home_status_RentPrivately 1 2351.5 2439.5
## - region_North 1 2351.6 2439.6
## - region_EastAnglia 1 2351.7 2439.7
## - family_income_LT_10000GT_EQ_8000 1 2351.9 2439.9
## - occupation_partner_Housewife 1 2352.3 2440.3
## - TVarea_Anglia 1 2352.5 2440.5
## <none> 2350.5 2440.5
## - occupation_Retired 1 2352.5 2440.5
## - TVarea_ScottishTV 1 2352.5 2440.5
## - family_income_LT_22500GT_EQ_20000 1 2352.6 2440.6
## - Investment.in.Mutual.Fund 1 2352.7 2440.7
## - family_income_LT_25000GT_EQ_22500 1 2353.4 2441.4
## - TVarea_HTV 1 2353.6 2441.6
## - gender_Female 1 2353.7 2441.7
## - occupation_Unknown 1 2353.7 2441.7
## - occupation_partner_Retired 1 2353.7 2441.7
## - family_income_LT_30000GT_EQ_27500 1 2354.6 2442.6
## - self_employed_partner_No 1 2354.7 2442.7
## - status_Partner 1 2354.9 2442.9
## - TVarea_Meridian 1 2356.9 2444.9
## - Balance.Transfer 1 2381.0 2469.0
## - Medical.Insurance 1 2390.6 2478.6
## - Average.A.C.Balance 1 2421.7 2509.7
## - Home.Loan 1 2436.5 2524.5
## - Term.Deposit 1 2524.7 2612.7
## - Life.Insurance 1 2737.5 2825.5
## - Investment.Tax.Saving.Bond 1 2861.8 2949.8
## - Personal.Loan 1 2911.1 2999.1
## - Average.Credit.Card.Transaction 1 2911.4 2999.4
## - Online.Purchase.Amount 1 4040.6 4128.6
##
## Step: AIC=2438.8
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_Grampian + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian +
## gender_Female + region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - TVarea_Grampian 1 2351.0 2437.0
## - TVarea_Yorkshire 1 2351.1 2437.1
## - status_Divorced_Separated 1 2351.2 2437.2
## - family_income_LT_27500GT_EQ_25000 1 2351.2 2437.2
## - region_WestMidlands 1 2351.2 2437.2
## - occupation_ManualWorker 1 2351.3 2437.3
## - TVarea_TyneTees 1 2351.3 2437.3
## - region_SouthWest 1 2351.4 2437.4
## - year_last_moved 1 2351.4 2437.4
## - TVarea_Unknown 1 2351.5 2437.5
## - region_Unknown 1 2351.5 2437.5
## - age 1 2351.7 2437.7
## - occupation_BusinessManager 1 2351.8 2437.8
## - region_North 1 2351.8 2437.8
## - home_status_RentPrivately 1 2351.8 2437.8
## - family_income_LT_12500GT_EQ_10000 1 2351.8 2437.8
## - region_EastAnglia 1 2352.0 2438.0
## - family_income_LT_10000GT_EQ_8000 1 2352.2 2438.2
## - TVarea_Anglia 1 2352.5 2438.5
## - occupation_partner_Housewife 1 2352.6 2438.6
## <none> 2350.8 2438.8
## - occupation_Retired 1 2352.9 2438.9
## - family_income_LT_22500GT_EQ_20000 1 2352.9 2438.9
## - Investment.in.Mutual.Fund 1 2353.0 2439.0
## - TVarea_HTV 1 2353.6 2439.6
## - TVarea_ScottishTV 1 2353.6 2439.6
## - family_income_LT_25000GT_EQ_22500 1 2353.8 2439.8
## - gender_Female 1 2353.9 2439.9
## - occupation_partner_Retired 1 2354.1 2440.1
## - occupation_Unknown 1 2354.1 2440.1
## - self_employed_partner_No 1 2354.9 2440.9
## - family_income_LT_30000GT_EQ_27500 1 2355.0 2441.0
## - status_Partner 1 2355.3 2441.3
## - TVarea_Meridian 1 2357.1 2443.1
## - Balance.Transfer 1 2381.6 2467.6
## - Medical.Insurance 1 2391.3 2477.3
## - Average.A.C.Balance 1 2422.1 2508.1
## - Home.Loan 1 2436.7 2522.7
## - Term.Deposit 1 2524.8 2610.8
## - Life.Insurance 1 2738.9 2824.9
## - Investment.Tax.Saving.Bond 1 2863.0 2949.0
## - Personal.Loan 1 2911.4 2997.4
## - Average.Credit.Card.Transaction 1 2911.6 2997.6
## - Online.Purchase.Amount 1 4041.6 4127.6
##
## Step: AIC=2437.04
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Yorkshire + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North + region_WestMidlands +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - TVarea_Yorkshire 1 2351.3 2435.3
## - status_Divorced_Separated 1 2351.4 2435.4
## - family_income_LT_27500GT_EQ_25000 1 2351.4 2435.4
## - region_WestMidlands 1 2351.4 2435.4
## - occupation_ManualWorker 1 2351.5 2435.5
## - TVarea_TyneTees 1 2351.6 2435.6
## - year_last_moved 1 2351.7 2435.7
## - region_SouthWest 1 2351.7 2435.7
## - TVarea_Unknown 1 2351.7 2435.7
## - region_Unknown 1 2351.8 2435.8
## - age 1 2351.9 2435.9
## - region_North 1 2352.0 2436.0
## - home_status_RentPrivately 1 2352.0 2436.0
## - occupation_BusinessManager 1 2352.0 2436.0
## - family_income_LT_12500GT_EQ_10000 1 2352.1 2436.1
## - region_EastAnglia 1 2352.2 2436.2
## - family_income_LT_10000GT_EQ_8000 1 2352.5 2436.5
## - TVarea_Anglia 1 2352.7 2436.7
## - occupation_partner_Housewife 1 2352.9 2436.9
## <none> 2351.0 2437.0
## - occupation_Retired 1 2353.1 2437.1
## - family_income_LT_22500GT_EQ_20000 1 2353.2 2437.2
## - Investment.in.Mutual.Fund 1 2353.2 2437.2
## - TVarea_HTV 1 2353.8 2437.8
## - family_income_LT_25000GT_EQ_22500 1 2354.0 2438.0
## - TVarea_ScottishTV 1 2354.0 2438.0
## - gender_Female 1 2354.2 2438.2
## - occupation_partner_Retired 1 2354.3 2438.3
## - occupation_Unknown 1 2354.4 2438.4
## - self_employed_partner_No 1 2355.1 2439.1
## - family_income_LT_30000GT_EQ_27500 1 2355.2 2439.2
## - status_Partner 1 2355.5 2439.5
## - TVarea_Meridian 1 2357.1 2441.1
## - Balance.Transfer 1 2382.0 2466.0
## - Medical.Insurance 1 2391.7 2475.7
## - Average.A.C.Balance 1 2422.4 2506.4
## - Home.Loan 1 2436.9 2520.9
## - Term.Deposit 1 2524.9 2608.9
## - Life.Insurance 1 2739.4 2823.4
## - Investment.Tax.Saving.Bond 1 2863.4 2947.4
## - Personal.Loan 1 2912.5 2996.5
## - Average.Credit.Card.Transaction 1 2914.0 2998.0
## - Online.Purchase.Amount 1 4041.7 4125.7
##
## Step: AIC=2435.27
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + gender_Female + region_EastAnglia +
## region_North + region_WestMidlands + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - region_WestMidlands 1 2351.6 2433.6
## - status_Divorced_Separated 1 2351.6 2433.6
## - family_income_LT_27500GT_EQ_25000 1 2351.7 2433.7
## - TVarea_Unknown 1 2351.7 2433.7
## - occupation_ManualWorker 1 2351.7 2433.7
## - year_last_moved 1 2351.9 2433.9
## - region_SouthWest 1 2352.0 2434.0
## - region_Unknown 1 2352.0 2434.0
## - age 1 2352.2 2434.2
## - home_status_RentPrivately 1 2352.2 2434.2
## - occupation_BusinessManager 1 2352.3 2434.3
## - family_income_LT_12500GT_EQ_10000 1 2352.3 2434.3
## - TVarea_TyneTees 1 2352.4 2434.4
## - region_EastAnglia 1 2352.5 2434.5
## - region_North 1 2352.7 2434.7
## - family_income_LT_10000GT_EQ_8000 1 2352.8 2434.8
## - TVarea_Anglia 1 2352.9 2434.9
## - occupation_partner_Housewife 1 2353.2 2435.2
## <none> 2351.3 2435.3
## - occupation_Retired 1 2353.4 2435.4
## - family_income_LT_22500GT_EQ_20000 1 2353.4 2435.4
## - Investment.in.Mutual.Fund 1 2353.4 2435.4
## - TVarea_HTV 1 2353.9 2435.9
## - family_income_LT_25000GT_EQ_22500 1 2354.3 2436.3
## - TVarea_ScottishTV 1 2354.4 2436.4
## - gender_Female 1 2354.5 2436.5
## - occupation_partner_Retired 1 2354.6 2436.6
## - occupation_Unknown 1 2354.7 2436.7
## - self_employed_partner_No 1 2355.3 2437.3
## - family_income_LT_30000GT_EQ_27500 1 2355.4 2437.4
## - status_Partner 1 2355.9 2437.9
## - TVarea_Meridian 1 2357.2 2439.2
## - Balance.Transfer 1 2382.3 2464.3
## - Medical.Insurance 1 2391.9 2473.9
## - Average.A.C.Balance 1 2422.6 2504.6
## - Home.Loan 1 2437.1 2519.1
## - Term.Deposit 1 2525.2 2607.2
## - Life.Insurance 1 2740.1 2822.1
## - Investment.Tax.Saving.Bond 1 2863.4 2945.4
## - Personal.Loan 1 2912.5 2994.5
## - Average.Credit.Card.Transaction 1 2914.5 2996.5
## - Online.Purchase.Amount 1 4041.9 4123.9
##
## Step: AIC=2433.6
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Divorced_Separated + status_Partner + occupation_ManualWorker +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## family_income_LT_27500GT_EQ_25000 + self_employed_partner_No +
## TVarea_Unknown + TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia +
## TVarea_HTV + TVarea_Meridian + gender_Female + region_EastAnglia +
## region_North + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - status_Divorced_Separated 1 2352.0 2432.0
## - family_income_LT_27500GT_EQ_25000 1 2352.0 2432.0
## - TVarea_Unknown 1 2352.0 2432.0
## - occupation_ManualWorker 1 2352.1 2432.1
## - year_last_moved 1 2352.2 2432.2
## - region_SouthWest 1 2352.4 2432.4
## - region_Unknown 1 2352.5 2432.5
## - age 1 2352.6 2432.6
## - occupation_BusinessManager 1 2352.6 2432.6
## - home_status_RentPrivately 1 2352.6 2432.6
## - family_income_LT_12500GT_EQ_10000 1 2352.6 2432.6
## - TVarea_TyneTees 1 2352.7 2432.7
## - region_EastAnglia 1 2352.8 2432.8
## - region_North 1 2352.9 2432.9
## - TVarea_Anglia 1 2353.1 2433.1
## - family_income_LT_10000GT_EQ_8000 1 2353.1 2433.1
## - occupation_partner_Housewife 1 2353.5 2433.5
## <none> 2351.6 2433.6
## - occupation_Retired 1 2353.7 2433.7
## - family_income_LT_22500GT_EQ_20000 1 2353.7 2433.7
## - Investment.in.Mutual.Fund 1 2353.9 2433.9
## - TVarea_HTV 1 2354.1 2434.1
## - family_income_LT_25000GT_EQ_22500 1 2354.6 2434.6
## - gender_Female 1 2354.8 2434.8
## - occupation_partner_Retired 1 2354.9 2434.9
## - occupation_Unknown 1 2355.0 2435.0
## - TVarea_ScottishTV 1 2355.1 2435.1
## - self_employed_partner_No 1 2355.7 2435.7
## - family_income_LT_30000GT_EQ_27500 1 2355.7 2435.7
## - status_Partner 1 2356.2 2436.2
## - TVarea_Meridian 1 2357.2 2437.2
## - Balance.Transfer 1 2382.6 2462.6
## - Medical.Insurance 1 2392.2 2472.2
## - Average.A.C.Balance 1 2423.0 2503.0
## - Home.Loan 1 2437.4 2517.4
## - Term.Deposit 1 2525.4 2605.4
## - Life.Insurance 1 2740.9 2820.9
## - Investment.Tax.Saving.Bond 1 2863.5 2943.5
## - Personal.Loan 1 2913.1 2993.1
## - Average.Credit.Card.Transaction 1 2915.6 2995.6
## - Online.Purchase.Amount 1 4041.9 4121.9
##
## Step: AIC=2431.99
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Retired + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_Unknown + TVarea_ScottishTV +
## TVarea_TyneTees + TVarea_Anglia + TVarea_HTV + TVarea_Meridian +
## gender_Female + region_EastAnglia + region_North + region_SouthWest +
## region_Unknown
##
## Df Deviance AIC
## - TVarea_Unknown 1 2352.4 2430.4
## - family_income_LT_27500GT_EQ_25000 1 2352.4 2430.4
## - occupation_ManualWorker 1 2352.5 2430.5
## - year_last_moved 1 2352.6 2430.6
## - region_SouthWest 1 2352.8 2430.8
## - age 1 2352.9 2430.9
## - region_Unknown 1 2352.9 2430.9
## - occupation_BusinessManager 1 2353.0 2431.0
## - home_status_RentPrivately 1 2353.0 2431.0
## - family_income_LT_12500GT_EQ_10000 1 2353.1 2431.1
## - TVarea_TyneTees 1 2353.1 2431.1
## - region_EastAnglia 1 2353.2 2431.2
## - region_North 1 2353.3 2431.3
## - TVarea_Anglia 1 2353.4 2431.4
## - family_income_LT_10000GT_EQ_8000 1 2353.5 2431.5
## - occupation_partner_Housewife 1 2353.9 2431.9
## - occupation_Retired 1 2353.9 2431.9
## <none> 2352.0 2432.0
## - family_income_LT_22500GT_EQ_20000 1 2354.2 2432.2
## - Investment.in.Mutual.Fund 1 2354.2 2432.2
## - TVarea_HTV 1 2354.4 2432.4
## - family_income_LT_25000GT_EQ_22500 1 2355.1 2433.1
## - gender_Female 1 2355.1 2433.1
## - occupation_partner_Retired 1 2355.3 2433.3
## - occupation_Unknown 1 2355.3 2433.3
## - TVarea_ScottishTV 1 2355.5 2433.5
## - self_employed_partner_No 1 2356.0 2434.0
## - family_income_LT_30000GT_EQ_27500 1 2356.2 2434.2
## - status_Partner 1 2356.3 2434.3
## - TVarea_Meridian 1 2357.4 2435.4
## - Balance.Transfer 1 2382.8 2460.8
## - Medical.Insurance 1 2392.7 2470.7
## - Average.A.C.Balance 1 2423.4 2501.4
## - Home.Loan 1 2438.0 2516.0
## - Term.Deposit 1 2525.6 2603.6
## - Life.Insurance 1 2741.6 2819.6
## - Investment.Tax.Saving.Bond 1 2863.5 2941.5
## - Personal.Loan 1 2913.1 2991.1
## - Average.Credit.Card.Transaction 1 2915.6 2993.6
## - Online.Purchase.Amount 1 4043.2 4121.2
##
## Step: AIC=2430.4
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Retired + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + family_income_LT_27500GT_EQ_25000 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - family_income_LT_27500GT_EQ_25000 1 2352.8 2428.8
## - occupation_ManualWorker 1 2352.9 2428.9
## - year_last_moved 1 2353.1 2429.1
## - region_Unknown 1 2353.1 2429.1
## - region_SouthWest 1 2353.2 2429.2
## - age 1 2353.2 2429.2
## - home_status_RentPrivately 1 2353.4 2429.4
## - occupation_BusinessManager 1 2353.4 2429.4
## - family_income_LT_12500GT_EQ_10000 1 2353.5 2429.5
## - region_EastAnglia 1 2353.6 2429.6
## - TVarea_TyneTees 1 2353.6 2429.6
## - region_North 1 2353.8 2429.8
## - TVarea_Anglia 1 2353.8 2429.8
## - family_income_LT_10000GT_EQ_8000 1 2353.9 2429.9
## - occupation_partner_Housewife 1 2354.3 2430.3
## - occupation_Retired 1 2354.4 2430.4
## <none> 2352.4 2430.4
## - family_income_LT_22500GT_EQ_20000 1 2354.6 2430.6
## - Investment.in.Mutual.Fund 1 2354.7 2430.7
## - TVarea_HTV 1 2354.8 2430.8
## - gender_Female 1 2355.5 2431.5
## - family_income_LT_25000GT_EQ_22500 1 2355.6 2431.6
## - occupation_partner_Retired 1 2355.7 2431.7
## - occupation_Unknown 1 2355.8 2431.8
## - TVarea_ScottishTV 1 2355.9 2431.9
## - self_employed_partner_No 1 2356.4 2432.4
## - status_Partner 1 2356.7 2432.7
## - family_income_LT_30000GT_EQ_27500 1 2356.7 2432.7
## - TVarea_Meridian 1 2357.8 2433.8
## - Balance.Transfer 1 2383.2 2459.2
## - Medical.Insurance 1 2393.3 2469.3
## - Average.A.C.Balance 1 2424.2 2500.2
## - Home.Loan 1 2438.1 2514.1
## - Term.Deposit 1 2526.1 2602.1
## - Life.Insurance 1 2742.3 2818.3
## - Investment.Tax.Saving.Bond 1 2865.0 2941.0
## - Personal.Loan 1 2913.4 2989.4
## - Average.Credit.Card.Transaction 1 2916.6 2992.6
## - Online.Purchase.Amount 1 4043.2 4119.2
##
## Step: AIC=2428.81
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Partner + occupation_ManualWorker + occupation_Unknown +
## occupation_BusinessManager + occupation_Retired + occupation_partner_Housewife +
## occupation_partner_Retired + home_status_RentPrivately +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + gender_Female + region_EastAnglia + region_North +
## region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - occupation_ManualWorker 1 2353.3 2427.3
## - year_last_moved 1 2353.5 2427.5
## - region_Unknown 1 2353.5 2427.5
## - region_SouthWest 1 2353.7 2427.7
## - age 1 2353.7 2427.7
## - family_income_LT_12500GT_EQ_10000 1 2353.8 2427.8
## - home_status_RentPrivately 1 2353.8 2427.8
## - occupation_BusinessManager 1 2353.9 2427.9
## - region_EastAnglia 1 2354.0 2428.0
## - TVarea_TyneTees 1 2354.1 2428.1
## - family_income_LT_10000GT_EQ_8000 1 2354.2 2428.2
## - TVarea_Anglia 1 2354.3 2428.3
## - region_North 1 2354.3 2428.3
## - occupation_partner_Housewife 1 2354.7 2428.7
## - occupation_Retired 1 2354.7 2428.7
## - family_income_LT_22500GT_EQ_20000 1 2354.7 2428.7
## <none> 2352.8 2428.8
## - Investment.in.Mutual.Fund 1 2355.2 2429.2
## - TVarea_HTV 1 2355.2 2429.2
## - family_income_LT_25000GT_EQ_22500 1 2355.7 2429.7
## - gender_Female 1 2355.9 2429.9
## - occupation_Unknown 1 2356.1 2430.1
## - occupation_partner_Retired 1 2356.2 2430.2
## - TVarea_ScottishTV 1 2356.3 2430.3
## - family_income_LT_30000GT_EQ_27500 1 2356.7 2430.7
## - self_employed_partner_No 1 2356.8 2430.8
## - status_Partner 1 2357.3 2431.3
## - TVarea_Meridian 1 2358.3 2432.3
## - Balance.Transfer 1 2383.7 2457.7
## - Medical.Insurance 1 2393.6 2467.6
## - Average.A.C.Balance 1 2424.9 2498.9
## - Home.Loan 1 2439.0 2513.0
## - Term.Deposit 1 2526.3 2600.3
## - Life.Insurance 1 2743.3 2817.3
## - Investment.Tax.Saving.Bond 1 2865.6 2939.6
## - Personal.Loan 1 2913.5 2987.5
## - Average.Credit.Card.Transaction 1 2916.7 2990.7
## - Online.Purchase.Amount 1 4043.4 4117.4
##
## Step: AIC=2427.26
## Revenue.Grid ~ year_last_moved + Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## age + status_Partner + occupation_Unknown + occupation_BusinessManager +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - year_last_moved 1 2353.9 2425.9
## - region_Unknown 1 2354.0 2426.0
## - region_SouthWest 1 2354.1 2426.1
## - age 1 2354.1 2426.1
## - occupation_BusinessManager 1 2354.2 2426.2
## - home_status_RentPrivately 1 2354.2 2426.2
## - family_income_LT_12500GT_EQ_10000 1 2354.2 2426.2
## - region_EastAnglia 1 2354.5 2426.5
## - TVarea_TyneTees 1 2354.5 2426.5
## - family_income_LT_10000GT_EQ_8000 1 2354.7 2426.7
## - TVarea_Anglia 1 2354.7 2426.7
## - region_North 1 2354.8 2426.8
## - occupation_Retired 1 2354.9 2426.9
## - occupation_partner_Housewife 1 2355.1 2427.1
## - family_income_LT_22500GT_EQ_20000 1 2355.2 2427.2
## <none> 2353.3 2427.3
## - TVarea_HTV 1 2355.6 2427.6
## - Investment.in.Mutual.Fund 1 2355.6 2427.6
## - family_income_LT_25000GT_EQ_22500 1 2356.2 2428.2
## - occupation_Unknown 1 2356.4 2428.4
## - occupation_partner_Retired 1 2356.6 2428.6
## - TVarea_ScottishTV 1 2356.8 2428.8
## - gender_Female 1 2356.9 2428.9
## - self_employed_partner_No 1 2357.2 2429.2
## - family_income_LT_30000GT_EQ_27500 1 2357.2 2429.2
## - status_Partner 1 2357.7 2429.7
## - TVarea_Meridian 1 2358.8 2430.8
## - Balance.Transfer 1 2384.1 2456.1
## - Medical.Insurance 1 2394.1 2466.1
## - Average.A.C.Balance 1 2425.5 2497.5
## - Home.Loan 1 2439.1 2511.1
## - Term.Deposit 1 2526.6 2598.6
## - Life.Insurance 1 2744.0 2816.0
## - Investment.Tax.Saving.Bond 1 2865.7 2937.7
## - Personal.Loan 1 2915.4 2987.4
## - Average.Credit.Card.Transaction 1 2917.7 2989.7
## - Online.Purchase.Amount 1 4043.7 4115.7
##
## Step: AIC=2425.93
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + age + status_Partner +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North + region_SouthWest + region_Unknown
##
## Df Deviance AIC
## - region_Unknown 1 2354.7 2424.7
## - region_SouthWest 1 2354.8 2424.8
## - occupation_BusinessManager 1 2354.8 2424.8
## - home_status_RentPrivately 1 2354.8 2424.8
## - age 1 2354.8 2424.8
## - family_income_LT_12500GT_EQ_10000 1 2354.9 2424.9
## - region_EastAnglia 1 2355.1 2425.1
## - TVarea_TyneTees 1 2355.3 2425.3
## - TVarea_Anglia 1 2355.4 2425.4
## - family_income_LT_10000GT_EQ_8000 1 2355.4 2425.4
## - region_North 1 2355.5 2425.5
## - occupation_Retired 1 2355.6 2425.6
## - occupation_partner_Housewife 1 2355.7 2425.7
## <none> 2353.9 2425.9
## - family_income_LT_22500GT_EQ_20000 1 2356.0 2426.0
## - TVarea_HTV 1 2356.3 2426.3
## - Investment.in.Mutual.Fund 1 2356.4 2426.4
## - occupation_Unknown 1 2356.6 2426.6
## - family_income_LT_25000GT_EQ_22500 1 2356.9 2426.9
## - occupation_partner_Retired 1 2357.3 2427.3
## - TVarea_ScottishTV 1 2357.4 2427.4
## - gender_Female 1 2357.5 2427.5
## - family_income_LT_30000GT_EQ_27500 1 2357.9 2427.9
## - self_employed_partner_No 1 2358.0 2428.0
## - status_Partner 1 2358.6 2428.6
## - TVarea_Meridian 1 2359.5 2429.5
## - Balance.Transfer 1 2384.8 2454.8
## - Medical.Insurance 1 2394.5 2464.5
## - Average.A.C.Balance 1 2426.0 2496.0
## - Home.Loan 1 2440.3 2510.3
## - Term.Deposit 1 2528.7 2598.7
## - Life.Insurance 1 2745.1 2815.1
## - Investment.Tax.Saving.Bond 1 2866.9 2936.9
## - Personal.Loan 1 2915.8 2985.8
## - Average.Credit.Card.Transaction 1 2918.6 2988.6
## - Online.Purchase.Amount 1 4047.5 4117.5
##
## Step: AIC=2424.69
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + age + status_Partner +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North + region_SouthWest
##
## Df Deviance AIC
## - region_SouthWest 1 2355.4 2423.4
## - occupation_BusinessManager 1 2355.6 2423.6
## - home_status_RentPrivately 1 2355.6 2423.6
## - age 1 2355.7 2423.7
## - family_income_LT_12500GT_EQ_10000 1 2355.7 2423.7
## - region_EastAnglia 1 2355.9 2423.9
## - family_income_LT_10000GT_EQ_8000 1 2356.3 2424.3
## - occupation_partner_Housewife 1 2356.4 2424.4
## - TVarea_Anglia 1 2356.4 2424.4
## - occupation_Retired 1 2356.4 2424.4
## - TVarea_TyneTees 1 2356.6 2424.6
## <none> 2354.7 2424.7
## - family_income_LT_22500GT_EQ_20000 1 2356.8 2424.8
## - region_North 1 2357.0 2425.0
## - Investment.in.Mutual.Fund 1 2357.3 2425.3
## - TVarea_HTV 1 2357.4 2425.4
## - occupation_Unknown 1 2357.4 2425.4
## - family_income_LT_25000GT_EQ_22500 1 2357.7 2425.7
## - TVarea_ScottishTV 1 2357.8 2425.8
## - occupation_partner_Retired 1 2358.0 2426.0
## - gender_Female 1 2358.1 2426.1
## - self_employed_partner_No 1 2358.6 2426.6
## - family_income_LT_30000GT_EQ_27500 1 2358.7 2426.7
## - status_Partner 1 2359.3 2427.3
## - TVarea_Meridian 1 2361.3 2429.3
## - Balance.Transfer 1 2385.3 2453.3
## - Medical.Insurance 1 2395.0 2463.0
## - Average.A.C.Balance 1 2426.6 2494.6
## - Home.Loan 1 2440.6 2508.6
## - Term.Deposit 1 2529.9 2597.9
## - Life.Insurance 1 2745.4 2813.4
## - Investment.Tax.Saving.Bond 1 2870.3 2938.3
## - Average.Credit.Card.Transaction 1 2919.1 2987.1
## - Personal.Loan 1 2919.7 2987.7
## - Online.Purchase.Amount 1 4047.5 4115.5
##
## Step: AIC=2423.38
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + age + status_Partner +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## home_status_RentPrivately + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North
##
## Df Deviance AIC
## - home_status_RentPrivately 1 2356.3 2422.3
## - occupation_BusinessManager 1 2356.3 2422.3
## - age 1 2356.4 2422.4
## - family_income_LT_12500GT_EQ_10000 1 2356.4 2422.4
## - region_EastAnglia 1 2356.6 2422.6
## - family_income_LT_10000GT_EQ_8000 1 2357.0 2423.0
## - occupation_partner_Housewife 1 2357.1 2423.1
## - occupation_Retired 1 2357.2 2423.2
## - TVarea_Anglia 1 2357.2 2423.2
## - TVarea_TyneTees 1 2357.2 2423.2
## <none> 2355.4 2423.4
## - TVarea_HTV 1 2357.5 2423.5
## - family_income_LT_22500GT_EQ_20000 1 2357.6 2423.6
## - region_North 1 2357.8 2423.8
## - Investment.in.Mutual.Fund 1 2357.9 2423.9
## - occupation_Unknown 1 2358.1 2424.1
## - TVarea_ScottishTV 1 2358.3 2424.3
## - family_income_LT_25000GT_EQ_22500 1 2358.5 2424.5
## - occupation_partner_Retired 1 2358.7 2424.7
## - gender_Female 1 2358.8 2424.8
## - family_income_LT_30000GT_EQ_27500 1 2359.4 2425.4
## - self_employed_partner_No 1 2359.4 2425.4
## - status_Partner 1 2360.0 2426.0
## - TVarea_Meridian 1 2361.9 2427.9
## - Balance.Transfer 1 2386.2 2452.2
## - Medical.Insurance 1 2395.7 2461.7
## - Average.A.C.Balance 1 2427.3 2493.3
## - Home.Loan 1 2441.2 2507.2
## - Term.Deposit 1 2530.3 2596.3
## - Life.Insurance 1 2745.9 2811.9
## - Investment.Tax.Saving.Bond 1 2870.5 2936.5
## - Average.Credit.Card.Transaction 1 2919.1 2985.1
## - Personal.Loan 1 2919.8 2985.8
## - Online.Purchase.Amount 1 4047.5 4113.5
##
## Step: AIC=2422.27
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + age + status_Partner +
## occupation_Unknown + occupation_BusinessManager + occupation_Retired +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + gender_Female + region_EastAnglia + region_North
##
## Df Deviance AIC
## - occupation_BusinessManager 1 2357.2 2421.2
## - age 1 2357.2 2421.2
## - family_income_LT_12500GT_EQ_10000 1 2357.4 2421.4
## - region_EastAnglia 1 2357.4 2421.4
## - family_income_LT_10000GT_EQ_8000 1 2357.9 2421.9
## - occupation_partner_Housewife 1 2358.0 2422.0
## - TVarea_TyneTees 1 2358.0 2422.0
## - TVarea_Anglia 1 2358.0 2422.0
## - occupation_Retired 1 2358.1 2422.1
## <none> 2356.3 2422.3
## - TVarea_HTV 1 2358.4 2422.4
## - family_income_LT_22500GT_EQ_20000 1 2358.5 2422.5
## - region_North 1 2358.6 2422.6
## - Investment.in.Mutual.Fund 1 2358.8 2422.8
## - occupation_Unknown 1 2359.0 2423.0
## - TVarea_ScottishTV 1 2359.2 2423.2
## - family_income_LT_25000GT_EQ_22500 1 2359.4 2423.4
## - occupation_partner_Retired 1 2359.6 2423.6
## - gender_Female 1 2359.7 2423.7
## - self_employed_partner_No 1 2360.3 2424.3
## - family_income_LT_30000GT_EQ_27500 1 2360.4 2424.4
## - status_Partner 1 2361.3 2425.3
## - TVarea_Meridian 1 2363.0 2427.0
## - Balance.Transfer 1 2387.1 2451.1
## - Medical.Insurance 1 2396.3 2460.3
## - Average.A.C.Balance 1 2427.9 2491.9
## - Home.Loan 1 2442.3 2506.3
## - Term.Deposit 1 2530.9 2594.9
## - Life.Insurance 1 2747.0 2811.0
## - Investment.Tax.Saving.Bond 1 2870.9 2934.9
## - Average.Credit.Card.Transaction 1 2919.6 2983.6
## - Personal.Loan 1 2919.8 2983.8
## - Online.Purchase.Amount 1 4047.5 4111.5
##
## Step: AIC=2421.2
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + age + status_Partner +
## occupation_Unknown + occupation_Retired + occupation_partner_Housewife +
## occupation_partner_Retired + family_income_LT_10000GT_EQ_8000 +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_12500GT_EQ_10000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North
##
## Df Deviance AIC
## - age 1 2358.2 2420.2
## - family_income_LT_12500GT_EQ_10000 1 2358.3 2420.3
## - region_EastAnglia 1 2358.4 2420.4
## - occupation_Retired 1 2358.8 2420.8
## - family_income_LT_10000GT_EQ_8000 1 2358.8 2420.8
## - occupation_partner_Housewife 1 2358.8 2420.8
## - TVarea_TyneTees 1 2358.9 2420.9
## - TVarea_Anglia 1 2359.0 2421.0
## <none> 2357.2 2421.2
## - family_income_LT_22500GT_EQ_20000 1 2359.3 2421.3
## - TVarea_HTV 1 2359.4 2421.4
## - region_North 1 2359.4 2421.4
## - Investment.in.Mutual.Fund 1 2359.7 2421.7
## - occupation_Unknown 1 2359.7 2421.7
## - TVarea_ScottishTV 1 2360.1 2422.1
## - family_income_LT_25000GT_EQ_22500 1 2360.5 2422.5
## - occupation_partner_Retired 1 2360.5 2422.5
## - self_employed_partner_No 1 2361.1 2423.1
## - gender_Female 1 2361.3 2423.3
## - family_income_LT_30000GT_EQ_27500 1 2361.4 2423.4
## - status_Partner 1 2362.0 2424.0
## - TVarea_Meridian 1 2364.0 2426.0
## - Balance.Transfer 1 2388.2 2450.2
## - Medical.Insurance 1 2397.4 2459.4
## - Average.A.C.Balance 1 2428.9 2490.9
## - Home.Loan 1 2444.0 2506.0
## - Term.Deposit 1 2532.6 2594.6
## - Life.Insurance 1 2747.6 2809.6
## - Investment.Tax.Saving.Bond 1 2873.7 2935.7
## - Personal.Loan 1 2919.9 2981.9
## - Average.Credit.Card.Transaction 1 2920.1 2982.1
## - Online.Purchase.Amount 1 4048.6 4110.6
##
## Step: AIC=2420.25
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_Retired + occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + gender_Female + region_EastAnglia + region_North
##
## Df Deviance AIC
## - occupation_Retired 1 2359.0 2419.0
## - family_income_LT_12500GT_EQ_10000 1 2359.2 2419.2
## - region_EastAnglia 1 2359.4 2419.4
## - family_income_LT_10000GT_EQ_8000 1 2359.6 2419.6
## - TVarea_TyneTees 1 2360.0 2420.0
## - TVarea_Anglia 1 2360.1 2420.1
## - occupation_partner_Housewife 1 2360.1 2420.1
## <none> 2358.2 2420.2
## - family_income_LT_22500GT_EQ_20000 1 2360.3 2420.3
## - occupation_Unknown 1 2360.4 2420.4
## - TVarea_HTV 1 2360.4 2420.4
## - region_North 1 2360.5 2420.5
## - Investment.in.Mutual.Fund 1 2360.7 2420.7
## - TVarea_ScottishTV 1 2361.1 2421.1
## - family_income_LT_25000GT_EQ_22500 1 2361.5 2421.5
## - self_employed_partner_No 1 2362.1 2422.1
## - gender_Female 1 2362.3 2422.3
## - occupation_partner_Retired 1 2362.5 2422.5
## - family_income_LT_30000GT_EQ_27500 1 2362.6 2422.6
## - status_Partner 1 2362.8 2422.8
## - TVarea_Meridian 1 2365.1 2425.1
## - Balance.Transfer 1 2389.1 2449.1
## - Medical.Insurance 1 2398.4 2458.4
## - Average.A.C.Balance 1 2430.0 2490.0
## - Home.Loan 1 2444.9 2504.9
## - Term.Deposit 1 2533.8 2593.8
## - Life.Insurance 1 2748.7 2808.7
## - Investment.Tax.Saving.Bond 1 2874.9 2934.9
## - Personal.Loan 1 2919.9 2979.9
## - Average.Credit.Card.Transaction 1 2921.9 2981.9
## - Online.Purchase.Amount 1 4049.6 4109.6
##
## Step: AIC=2419.04
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_12500GT_EQ_10000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_Anglia + TVarea_HTV +
## TVarea_Meridian + gender_Female + region_EastAnglia + region_North
##
## Df Deviance AIC
## - family_income_LT_12500GT_EQ_10000 1 2360.1 2418.1
## - region_EastAnglia 1 2360.2 2418.2
## - family_income_LT_10000GT_EQ_8000 1 2360.7 2418.7
## - occupation_partner_Housewife 1 2360.7 2418.7
## - TVarea_TyneTees 1 2360.8 2418.8
## - occupation_Unknown 1 2360.9 2418.9
## - TVarea_Anglia 1 2360.9 2418.9
## <none> 2359.0 2419.0
## - family_income_LT_22500GT_EQ_20000 1 2361.1 2419.1
## - TVarea_HTV 1 2361.2 2419.2
## - region_North 1 2361.2 2419.2
## - Investment.in.Mutual.Fund 1 2361.6 2419.6
## - TVarea_ScottishTV 1 2361.9 2419.9
## - family_income_LT_25000GT_EQ_22500 1 2362.2 2420.2
## - occupation_partner_Retired 1 2362.6 2420.6
## - self_employed_partner_No 1 2362.8 2420.8
## - status_Partner 1 2363.1 2421.1
## - family_income_LT_30000GT_EQ_27500 1 2363.2 2421.2
## - gender_Female 1 2363.4 2421.4
## - TVarea_Meridian 1 2365.8 2423.8
## - Balance.Transfer 1 2390.0 2448.0
## - Medical.Insurance 1 2399.2 2457.2
## - Average.A.C.Balance 1 2430.9 2488.9
## - Home.Loan 1 2445.2 2503.2
## - Term.Deposit 1 2534.1 2592.1
## - Life.Insurance 1 2749.1 2807.1
## - Investment.Tax.Saving.Bond 1 2875.9 2933.9
## - Personal.Loan 1 2920.7 2978.7
## - Average.Credit.Card.Transaction 1 2922.1 2980.1
## - Online.Purchase.Amount 1 4050.1 4108.1
##
## Step: AIC=2418.1
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_EastAnglia + region_North
##
## Df Deviance AIC
## - region_EastAnglia 1 2361.3 2417.3
## - family_income_LT_10000GT_EQ_8000 1 2361.5 2417.5
## - occupation_partner_Housewife 1 2361.7 2417.7
## - TVarea_TyneTees 1 2361.8 2417.8
## - family_income_LT_22500GT_EQ_20000 1 2361.9 2417.9
## - TVarea_Anglia 1 2362.0 2418.0
## - occupation_Unknown 1 2362.0 2418.0
## - TVarea_HTV 1 2362.1 2418.1
## <none> 2360.1 2418.1
## - region_North 1 2362.3 2418.3
## - Investment.in.Mutual.Fund 1 2362.7 2418.7
## - family_income_LT_25000GT_EQ_22500 1 2362.9 2418.9
## - TVarea_ScottishTV 1 2363.1 2419.1
## - occupation_partner_Retired 1 2363.2 2419.2
## - self_employed_partner_No 1 2363.8 2419.8
## - family_income_LT_30000GT_EQ_27500 1 2363.9 2419.9
## - status_Partner 1 2363.9 2419.9
## - gender_Female 1 2364.3 2420.3
## - TVarea_Meridian 1 2367.0 2423.0
## - Balance.Transfer 1 2391.1 2447.1
## - Medical.Insurance 1 2400.1 2456.1
## - Average.A.C.Balance 1 2432.1 2488.1
## - Home.Loan 1 2445.6 2501.6
## - Term.Deposit 1 2535.0 2591.0
## - Life.Insurance 1 2750.1 2806.1
## - Investment.Tax.Saving.Bond 1 2876.1 2932.1
## - Personal.Loan 1 2922.8 2978.8
## - Average.Credit.Card.Transaction 1 2923.7 2979.7
## - Online.Purchase.Amount 1 4050.2 4106.2
##
## Step: AIC=2417.29
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_Anglia + TVarea_HTV + TVarea_Meridian + gender_Female +
## region_North
##
## Df Deviance AIC
## - TVarea_Anglia 1 2362.0 2416.0
## - family_income_LT_10000GT_EQ_8000 1 2362.7 2416.7
## - occupation_partner_Housewife 1 2363.0 2417.0
## - TVarea_TyneTees 1 2363.0 2417.0
## - family_income_LT_22500GT_EQ_20000 1 2363.1 2417.1
## - TVarea_HTV 1 2363.3 2417.3
## <none> 2361.3 2417.3
## - occupation_Unknown 1 2363.3 2417.3
## - region_North 1 2363.4 2417.4
## - Investment.in.Mutual.Fund 1 2363.9 2417.9
## - family_income_LT_25000GT_EQ_22500 1 2364.0 2418.0
## - TVarea_ScottishTV 1 2364.3 2418.3
## - occupation_partner_Retired 1 2364.6 2418.6
## - family_income_LT_30000GT_EQ_27500 1 2364.8 2418.8
## - self_employed_partner_No 1 2365.0 2419.0
## - status_Partner 1 2365.1 2419.1
## - gender_Female 1 2365.4 2419.4
## - TVarea_Meridian 1 2368.2 2422.2
## - Balance.Transfer 1 2392.5 2446.5
## - Medical.Insurance 1 2401.5 2455.5
## - Average.A.C.Balance 1 2433.3 2487.3
## - Home.Loan 1 2447.2 2501.2
## - Term.Deposit 1 2536.9 2590.9
## - Life.Insurance 1 2753.3 2807.3
## - Investment.Tax.Saving.Bond 1 2876.8 2930.8
## - Average.Credit.Card.Transaction 1 2925.7 2979.7
## - Personal.Loan 1 2927.8 2981.8
## - Online.Purchase.Amount 1 4056.4 4110.4
##
## Step: AIC=2416
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_10000GT_EQ_8000 + family_income_LT_22500GT_EQ_20000 +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_HTV + TVarea_Meridian + gender_Female + region_North
##
## Df Deviance AIC
## - family_income_LT_10000GT_EQ_8000 1 2363.4 2415.4
## - occupation_partner_Housewife 1 2363.7 2415.7
## - TVarea_HTV 1 2363.7 2415.7
## - TVarea_TyneTees 1 2363.8 2415.8
## - family_income_LT_22500GT_EQ_20000 1 2363.8 2415.8
## - occupation_Unknown 1 2364.0 2416.0
## <none> 2362.0 2416.0
## - region_North 1 2364.1 2416.1
## - Investment.in.Mutual.Fund 1 2364.6 2416.6
## - family_income_LT_25000GT_EQ_22500 1 2364.8 2416.8
## - occupation_partner_Retired 1 2365.2 2417.2
## - TVarea_ScottishTV 1 2365.3 2417.3
## - family_income_LT_30000GT_EQ_27500 1 2365.5 2417.5
## - self_employed_partner_No 1 2365.7 2417.7
## - status_Partner 1 2365.7 2417.7
## - gender_Female 1 2366.0 2418.0
## - TVarea_Meridian 1 2368.4 2420.4
## - Balance.Transfer 1 2393.0 2445.0
## - Medical.Insurance 1 2402.2 2454.2
## - Average.A.C.Balance 1 2434.0 2486.0
## - Home.Loan 1 2447.7 2499.7
## - Term.Deposit 1 2538.0 2590.0
## - Life.Insurance 1 2753.8 2805.8
## - Investment.Tax.Saving.Bond 1 2877.1 2929.1
## - Average.Credit.Card.Transaction 1 2926.7 2978.7
## - Personal.Loan 1 2928.5 2980.5
## - Online.Purchase.Amount 1 4057.8 4109.8
##
## Step: AIC=2415.36
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_22500GT_EQ_20000 + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_TyneTees + TVarea_HTV + TVarea_Meridian +
## gender_Female + region_North
##
## Df Deviance AIC
## - family_income_LT_22500GT_EQ_20000 1 2365.0 2415.0
## - occupation_partner_Housewife 1 2365.0 2415.0
## - TVarea_TyneTees 1 2365.1 2415.1
## - TVarea_HTV 1 2365.1 2415.1
## - occupation_Unknown 1 2365.3 2415.3
## <none> 2363.4 2415.4
## - region_North 1 2365.4 2415.4
## - family_income_LT_25000GT_EQ_22500 1 2365.8 2415.8
## - occupation_partner_Retired 1 2366.0 2416.0
## - Investment.in.Mutual.Fund 1 2366.0 2416.0
## - family_income_LT_30000GT_EQ_27500 1 2366.5 2416.5
## - status_Partner 1 2366.6 2416.6
## - TVarea_ScottishTV 1 2366.7 2416.7
## - self_employed_partner_No 1 2366.9 2416.9
## - gender_Female 1 2367.1 2417.1
## - TVarea_Meridian 1 2369.6 2419.6
## - Balance.Transfer 1 2394.0 2444.0
## - Medical.Insurance 1 2403.3 2453.3
## - Average.A.C.Balance 1 2435.5 2485.5
## - Home.Loan 1 2448.9 2498.9
## - Term.Deposit 1 2539.0 2589.0
## - Life.Insurance 1 2754.9 2804.9
## - Investment.Tax.Saving.Bond 1 2877.9 2927.9
## - Average.Credit.Card.Transaction 1 2929.0 2979.0
## - Personal.Loan 1 2929.9 2979.9
## - Online.Purchase.Amount 1 4057.8 4107.8
##
## Step: AIC=2414.95
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_TyneTees +
## TVarea_HTV + TVarea_Meridian + gender_Female + region_North
##
## Df Deviance AIC
## - TVarea_TyneTees 1 2366.6 2414.6
## - occupation_partner_Housewife 1 2366.6 2414.6
## - TVarea_HTV 1 2366.7 2414.7
## - occupation_Unknown 1 2366.9 2414.9
## - region_North 1 2366.9 2414.9
## <none> 2365.0 2415.0
## - family_income_LT_25000GT_EQ_22500 1 2367.1 2415.1
## - occupation_partner_Retired 1 2367.5 2415.5
## - family_income_LT_30000GT_EQ_27500 1 2367.7 2415.7
## - Investment.in.Mutual.Fund 1 2367.8 2415.8
## - TVarea_ScottishTV 1 2368.3 2416.3
## - self_employed_partner_No 1 2368.3 2416.3
## - status_Partner 1 2368.4 2416.4
## - gender_Female 1 2368.5 2416.5
## - TVarea_Meridian 1 2371.3 2419.3
## - Balance.Transfer 1 2395.5 2443.5
## - Medical.Insurance 1 2404.7 2452.7
## - Average.A.C.Balance 1 2437.3 2485.3
## - Home.Loan 1 2450.7 2498.7
## - Term.Deposit 1 2540.5 2588.5
## - Life.Insurance 1 2756.3 2804.3
## - Investment.Tax.Saving.Bond 1 2879.9 2927.9
## - Average.Credit.Card.Transaction 1 2931.9 2979.9
## - Personal.Loan 1 2933.5 2981.5
## - Online.Purchase.Amount 1 4058.5 4106.5
##
## Step: AIC=2414.56
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_HTV +
## TVarea_Meridian + gender_Female + region_North
##
## Df Deviance AIC
## - region_North 1 2366.9 2412.9
## - occupation_partner_Housewife 1 2368.2 2414.2
## - occupation_Unknown 1 2368.3 2414.3
## - TVarea_HTV 1 2368.4 2414.4
## <none> 2366.6 2414.6
## - family_income_LT_25000GT_EQ_22500 1 2368.7 2414.7
## - family_income_LT_30000GT_EQ_27500 1 2369.2 2415.2
## - occupation_partner_Retired 1 2369.2 2415.2
## - Investment.in.Mutual.Fund 1 2369.4 2415.4
## - TVarea_ScottishTV 1 2369.8 2415.8
## - self_employed_partner_No 1 2369.8 2415.8
## - status_Partner 1 2370.0 2416.0
## - gender_Female 1 2370.1 2416.1
## - TVarea_Meridian 1 2373.1 2419.1
## - Balance.Transfer 1 2397.4 2443.4
## - Medical.Insurance 1 2406.2 2452.2
## - Average.A.C.Balance 1 2439.2 2485.2
## - Home.Loan 1 2451.9 2497.9
## - Term.Deposit 1 2541.6 2587.6
## - Life.Insurance 1 2757.4 2803.4
## - Investment.Tax.Saving.Bond 1 2880.5 2926.5
## - Average.Credit.Card.Transaction 1 2932.9 2978.9
## - Personal.Loan 1 2934.3 2980.3
## - Online.Purchase.Amount 1 4058.8 4104.8
##
## Step: AIC=2412.92
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Housewife + occupation_partner_Retired +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_HTV +
## TVarea_Meridian + gender_Female
##
## Df Deviance AIC
## - occupation_partner_Housewife 1 2368.6 2412.6
## - TVarea_HTV 1 2368.6 2412.6
## - occupation_Unknown 1 2368.7 2412.7
## <none> 2366.9 2412.9
## - family_income_LT_25000GT_EQ_22500 1 2369.1 2413.1
## - family_income_LT_30000GT_EQ_27500 1 2369.5 2413.5
## - Investment.in.Mutual.Fund 1 2369.7 2413.7
## - occupation_partner_Retired 1 2369.7 2413.7
## - self_employed_partner_No 1 2370.1 2414.1
## - status_Partner 1 2370.3 2414.3
## - TVarea_ScottishTV 1 2370.3 2414.3
## - gender_Female 1 2370.5 2414.5
## - TVarea_Meridian 1 2373.2 2417.2
## - Balance.Transfer 1 2397.7 2441.7
## - Medical.Insurance 1 2406.6 2450.6
## - Average.A.C.Balance 1 2440.0 2484.0
## - Home.Loan 1 2452.7 2496.7
## - Term.Deposit 1 2542.4 2586.4
## - Life.Insurance 1 2758.5 2802.5
## - Investment.Tax.Saving.Bond 1 2880.5 2924.5
## - Average.Credit.Card.Transaction 1 2934.0 2978.0
## - Personal.Loan 1 2934.5 2978.5
## - Online.Purchase.Amount 1 4059.5 4103.5
##
## Step: AIC=2412.58
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Retired + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_HTV + TVarea_Meridian + gender_Female
##
## Df Deviance AIC
## - TVarea_HTV 1 2370.2 2412.2
## - occupation_Unknown 1 2370.4 2412.4
## <none> 2368.6 2412.6
## - occupation_partner_Retired 1 2370.8 2412.8
## - family_income_LT_25000GT_EQ_22500 1 2370.8 2412.8
## - gender_Female 1 2370.9 2412.9
## - status_Partner 1 2371.3 2413.3
## - Investment.in.Mutual.Fund 1 2371.5 2413.5
## - family_income_LT_30000GT_EQ_27500 1 2371.5 2413.5
## - TVarea_ScottishTV 1 2371.9 2413.9
## - self_employed_partner_No 1 2372.1 2414.1
## - TVarea_Meridian 1 2374.9 2416.9
## - Balance.Transfer 1 2398.9 2440.9
## - Medical.Insurance 1 2407.8 2449.8
## - Average.A.C.Balance 1 2441.2 2483.2
## - Home.Loan 1 2453.8 2495.8
## - Term.Deposit 1 2543.8 2585.8
## - Life.Insurance 1 2759.6 2801.6
## - Investment.Tax.Saving.Bond 1 2882.7 2924.7
## - Average.Credit.Card.Transaction 1 2935.0 2977.0
## - Personal.Loan 1 2936.2 2978.2
## - Online.Purchase.Amount 1 4060.6 4102.6
##
## Step: AIC=2412.24
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_Unknown +
## occupation_partner_Retired + family_income_LT_25000GT_EQ_22500 +
## family_income_LT_30000GT_EQ_27500 + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Meridian + gender_Female
##
## Df Deviance AIC
## - occupation_Unknown 1 2372.0 2412.0
## <none> 2370.2 2412.2
## - family_income_LT_25000GT_EQ_22500 1 2372.5 2412.5
## - occupation_partner_Retired 1 2372.5 2412.5
## - gender_Female 1 2372.6 2412.6
## - status_Partner 1 2373.0 2413.0
## - Investment.in.Mutual.Fund 1 2373.2 2413.2
## - family_income_LT_30000GT_EQ_27500 1 2373.2 2413.2
## - self_employed_partner_No 1 2373.7 2413.7
## - TVarea_ScottishTV 1 2374.0 2414.0
## - TVarea_Meridian 1 2375.9 2415.9
## - Balance.Transfer 1 2400.4 2440.4
## - Medical.Insurance 1 2409.2 2449.2
## - Average.A.C.Balance 1 2442.5 2482.5
## - Home.Loan 1 2455.0 2495.0
## - Term.Deposit 1 2546.1 2586.1
## - Life.Insurance 1 2761.1 2801.1
## - Investment.Tax.Saving.Bond 1 2883.5 2923.5
## - Average.Credit.Card.Transaction 1 2936.3 2976.3
## - Personal.Loan 1 2937.4 2977.4
## - Online.Purchase.Amount 1 4060.9 4100.9
##
## Step: AIC=2411.98
## Revenue.Grid ~ Average.Credit.Card.Transaction + Balance.Transfer +
## Term.Deposit + Life.Insurance + Medical.Insurance + Average.A.C.Balance +
## Personal.Loan + Investment.in.Mutual.Fund + Investment.Tax.Saving.Bond +
## Home.Loan + Online.Purchase.Amount + status_Partner + occupation_partner_Retired +
## family_income_LT_25000GT_EQ_22500 + family_income_LT_30000GT_EQ_27500 +
## self_employed_partner_No + TVarea_ScottishTV + TVarea_Meridian +
## gender_Female
##
## Df Deviance AIC
## <none> 2372.0 2412.0
## - family_income_LT_25000GT_EQ_22500 1 2374.2 2412.2
## - occupation_partner_Retired 1 2374.5 2412.5
## - status_Partner 1 2374.6 2412.6
## - gender_Female 1 2374.6 2412.6
## - family_income_LT_30000GT_EQ_27500 1 2374.8 2412.8
## - Investment.in.Mutual.Fund 1 2375.1 2413.1
## - TVarea_ScottishTV 1 2375.6 2413.6
## - self_employed_partner_No 1 2375.8 2413.8
## - TVarea_Meridian 1 2377.9 2415.9
## - Balance.Transfer 1 2402.4 2440.4
## - Medical.Insurance 1 2410.5 2448.5
## - Average.A.C.Balance 1 2443.8 2481.8
## - Home.Loan 1 2457.2 2495.2
## - Term.Deposit 1 2547.4 2585.4
## - Life.Insurance 1 2762.5 2800.5
## - Investment.Tax.Saving.Bond 1 2884.0 2922.0
## - Average.Credit.Card.Transaction 1 2936.9 2974.9
## - Personal.Loan 1 2939.1 2977.1
## - Online.Purchase.Amount 1 4062.2 4100.2log.fit.final=glm(Revenue.Grid ~ Average.Credit.Card.Transaction +
Balance.Transfer +
Term.Deposit + Life.Insurance + Medical.Insurance +
Average.A.C.Balance +
Personal.Loan + Investment.in.Mutual.Fund +
Investment.Tax.Saving.Bond +
Home.Loan + Online.Purchase.Amount + status_Partner +
occupation_partner_Retired+
self_employed_partner_No + TVarea_ScottishTV +
TVarea_Meridian +
gender_Female,
data=rg_train,family='binomial')summary(log.fit.final)##
## Call:
## glm(formula = Revenue.Grid ~ Average.Credit.Card.Transaction +
## Balance.Transfer + Term.Deposit + Life.Insurance + Medical.Insurance +
## Average.A.C.Balance + Personal.Loan + Investment.in.Mutual.Fund +
## Investment.Tax.Saving.Bond + Home.Loan + Online.Purchase.Amount +
## status_Partner + occupation_partner_Retired + self_employed_partner_No +
## TVarea_ScottishTV + TVarea_Meridian + gender_Female, family = "binomial",
## data = rg_train)
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -3.8170 -0.2409 -0.1548 -0.0693 4.1639
##
## Coefficients:
## Estimate Std. Error z value Pr(>|z|)
## (Intercept) -3.5711780 0.2485048 -14.371 < 2e-16 ***
## Average.Credit.Card.Transaction 0.0221633 0.0009898 22.391 < 2e-16 ***
## Balance.Transfer -0.0051663 0.0009932 -5.202 1.97e-07 ***
## Term.Deposit -0.0191246 0.0017477 -10.943 < 2e-16 ***
## Life.Insurance 0.0137648 0.0007670 17.946 < 2e-16 ***
## Medical.Insurance -0.0132494 0.0022429 -5.907 3.48e-09 ***
## Average.A.C.Balance -0.0133553 0.0016778 -7.960 1.72e-15 ***
## Personal.Loan -0.0334813 0.0023034 -14.535 < 2e-16 ***
## Investment.in.Mutual.Fund -0.0017703 0.0010330 -1.714 0.0866 .
## Investment.Tax.Saving.Bond 0.0897146 0.0041773 21.477 < 2e-16 ***
## Home.Loan -0.0650159 0.0078382 -8.295 < 2e-16 ***
## Online.Purchase.Amount 0.0507943 0.0019594 25.923 < 2e-16 ***
## status_Partner 0.2415766 0.1375275 1.757 0.0790 .
## occupation_partner_Retired -0.2901206 0.1556077 -1.864 0.0623 .
## self_employed_partner_No -0.3313880 0.1719332 -1.927 0.0539 .
## TVarea_ScottishTV 0.4661666 0.2334438 1.997 0.0458 *
## TVarea_Meridian -0.4481092 0.1842949 -2.431 0.0150 *
## gender_Female -0.2100802 0.1270102 -1.654 0.0981 .
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for binomial family taken to be 1)
##
## Null deviance: 5500.9 on 8123 degrees of freedom
## Residual deviance: 2376.5 on 8106 degrees of freedom
## AIC: 2412.5
##
## Number of Fisher Scoring iterations: 810 Prediction on Test data
Now if we need to submit simple probability score we can make prediction on test data and submit that.
test.prob.score = predict(log_fit,newdata = rg_test,type='response')
head(test.prob.score)## 1 2 3 4 5 6
## 0.0002362520 0.0111837218 0.0008617658 0.0055361711 0.0457324404 0.0001861201#write.csv(test.prob.score,"proper_submission_file_name.csv",row.names = F)10.1 Predicting hard classes
Now if we need to predict hard classes instead of probabilities , we will need to get the cutoff which aligns with our business goals.
There are various wasy to consider our business goals, each of them will result in different cutoffs. Lesson is, that there is not one formula to get a fixed cutoff, it depends on what you want to achieve with final model [+ cutoff].
We need to consider a set performance metrics to arrive at the cutoff. This performance criterion can be one of the standard ones or it could be something very specific to your business. One thing to note here is that all these performance metrics will be relying on in one or the other way on missclassification of 1s and 0s. Or in other words , on TP,TN, FP and FN. We’ll first see how to get these values for an arbitrary cutoff, then we’ll extend that idea to many cutoffs.
we’ll start with calculating proabbility scores on training data and making a base data with single obs where we’ll store our values from the for loop.
train.score=predict(log.fit.final,newdata = rg_train,type='response')
real=rg_train$Revenue.Grid
cutoffs=seq(0.001,0.999,0.001)
cutoff_data=data.frame(cutoff=99,Sn=99,Sp=99,KS=99,F5=99,F.1=99,M=99)We’ll go through all the cutoffs and for each we’ll store the calculated values.
for(cutoff in cutoffs){
predicted=as.numeric(train.score>cutoff)
TP=sum(real==1 & predicted==1)
TN=sum(real==0 & predicted==0)
FP=sum(real==0 & predicted==1)
FN=sum(real==1 & predicted==0)
P=TP+FN
N=TN+FP
Sn=TP/P
Sp=TN/N
precision=TP/(TP+FP)
recall=Sn
KS=(TP/P)-(FP/N)
F5=(26*precision*recall)/((25*precision)+recall)
F.1=(1.01*precision*recall)/((.01*precision)+recall)
M=(4*FP+FN)/(5*(P+N))
cutoff_data=rbind(cutoff_data,c(cutoff,Sn,Sp,KS,F5,F.1,M))
}
cutoff_data=cutoff_data[-1,]How can we use above metrics to get cutoff ? There are some standard ways to get cutoff associated with these.
When no explicit business rule is given, it is customary to use KS to decide cutoff. cutoff with maximum value of KS is chosen as cutoff
If you know how much you need to be in favor of Precision or Recall in context of your business then you can use F-beta score with appropriate value of beta.
10.2 Visualization
Let’s look at the plot
ggplot(cutoff_data,aes(x=cutoff,y=Sp))+geom_line()
If you want to visualise all of them at once, you ’ll have to reshape your data a little
cutoff_long=cutoff_data %>%
gather(Measure,Value,Sn:M)
ggplot(cutoff_long,aes(x=cutoff,y=Value,color=Measure))+geom_line()
Since in this case , we dont really have any business context , we’ll go ahead and use KS to determine cutoff
my_cutoff=cutoff_data$cutoff[which.max(cutoff_data$KS)]
my_cutoff## [1] 0.104Now that we have our cutoff; if needed we can convert predicted probability scores for our test to hard classes as shown below.
test.predicted=as.numeric(test.prob.score>my_cutoff)
head(test.predicted)## [1] 0 0 0 0 0 0#write.csv(test.predicted,"proper_submission_file_name.csv",row.names = F)