Data 621: Homework 4 - Data Exploration & Data Preparation
George Cruz Deschamps, Karim Hammoud, Maliat Islam, Matthew Lucich, Gabriella Maritnez, Ken Popkin
DATA 621 – Business Analytics and Data Mining Homework #4 Assignment Requirements
Overview In this homework assignment, you will explore, analyze and model a data set containing approximately 8000 records representing a customer at an auto insurance company. Each record has two response variables. The first response variable, TARGET_FLAG, is a 1 or a 0. A “1” means that the person was in a car crash. A zero means that the person was not in a car crash. The second response variable is TARGET_AMT. This value is zero if the person did not crash their car. But if they did crash their car, this number will be a value greater than zero.
Your objective is to build multiple linear regression and binary logistic regression models on the training data to predict the probability that a person will crash their car and also the amount of money it will cost if the person does crash their car. You can only use the variables given to you (or variables that you derive from the variables provided).
library(tidyverse)
library(ggplot2)
library(mice)
library(car)
library(Hmisc)
library(corrplot)
library(pscl)
library(boot)
library(MASS)Load data
# Load insurance csv
df_ins_raw <- read.csv("insurance_training_data.csv")
# Removing index as instructed
df_ins_raw <- subset(df_ins_raw, select = -c(INDEX))
# Preview data
glimpse(df_ins_raw)## Rows: 8,161
## Columns: 25
## $ TARGET_FLAG <int> 0, 0, 0, 0, 0, 1, 0, 1, 1, 0, 1, 0, 0, 1, 1, 0, 0, 0, 0, 1…
## $ TARGET_AMT <dbl> 0.000, 0.000, 0.000, 0.000, 0.000, 2946.000, 0.000, 4021.0…
## $ KIDSDRIV <int> 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ AGE <int> 60, 43, 35, 51, 50, 34, 54, 37, 34, 50, 53, 43, 55, 53, 45…
## $ HOMEKIDS <int> 0, 0, 1, 0, 0, 1, 0, 2, 0, 0, 0, 0, 0, 0, 0, 3, 0, 3, 2, 1…
## $ YOJ <int> 11, 11, 10, 14, NA, 12, NA, NA, 10, 7, 14, 5, 11, 11, 0, 1…
## $ INCOME <chr> "$67,349", "$91,449", "$16,039", "", "$114,986", "$125,301…
## $ PARENT1 <chr> "No", "No", "No", "No", "No", "Yes", "No", "No", "No", "No…
## $ HOME_VAL <chr> "$0", "$257,252", "$124,191", "$306,251", "$243,925", "$0"…
## $ MSTATUS <chr> "z_No", "z_No", "Yes", "Yes", "Yes", "z_No", "Yes", "Yes",…
## $ SEX <chr> "M", "M", "z_F", "M", "z_F", "z_F", "z_F", "M", "z_F", "M"…
## $ EDUCATION <chr> "PhD", "z_High School", "z_High School", "<High School", "…
## $ JOB <chr> "Professional", "z_Blue Collar", "Clerical", "z_Blue Colla…
## $ TRAVTIME <int> 14, 22, 5, 32, 36, 46, 33, 44, 34, 48, 15, 36, 25, 64, 48,…
## $ CAR_USE <chr> "Private", "Commercial", "Private", "Private", "Private", …
## $ BLUEBOOK <chr> "$14,230", "$14,940", "$4,010", "$15,440", "$18,000", "$17…
## $ TIF <int> 11, 1, 4, 7, 1, 1, 1, 1, 1, 7, 1, 7, 7, 6, 1, 6, 6, 7, 4, …
## $ CAR_TYPE <chr> "Minivan", "Minivan", "z_SUV", "Minivan", "z_SUV", "Sports…
## $ RED_CAR <chr> "yes", "yes", "no", "yes", "no", "no", "no", "yes", "no", …
## $ OLDCLAIM <chr> "$4,461", "$0", "$38,690", "$0", "$19,217", "$0", "$0", "$…
## $ CLM_FREQ <int> 2, 0, 2, 0, 2, 0, 0, 1, 0, 0, 0, 0, 2, 0, 0, 0, 0, 0, 0, 2…
## $ REVOKED <chr> "No", "No", "No", "No", "Yes", "No", "No", "Yes", "No", "N…
## $ MVR_PTS <int> 3, 0, 3, 0, 3, 0, 0, 10, 0, 1, 0, 0, 3, 3, 3, 0, 0, 0, 0, …
## $ CAR_AGE <int> 18, 1, 10, 6, 17, 7, 1, 7, 1, 17, 11, 1, 9, 10, 5, 13, 16,…
## $ URBANICITY <chr> "Highly Urban/ Urban", "Highly Urban/ Urban", "Highly Urba…DATA CLEANING
Fix formatting
remove_z <- function(x){
str_replace(x, 'z_', '')
}
# Remove extraneous z_
df_ins_raw <- mutate_all(df_ins_raw, funs(remove_z))## Warning: `funs()` was deprecated in dplyr 0.8.0.
## Please use a list of either functions or lambdas:
##
## # Simple named list:
## list(mean = mean, median = median)
##
## # Auto named with `tibble::lst()`:
## tibble::lst(mean, median)
##
## # Using lambdas
## list(~ mean(., trim = .2), ~ median(., na.rm = TRUE))
## This warning is displayed once every 8 hours.
## Call `lifecycle::last_lifecycle_warnings()` to see where this warning was generated.remove_dollar <- function(x){
str_replace(x, '\\$', '')
}
# Remove dollar sign from variables
df_ins_raw <- mutate_all(df_ins_raw, funs(remove_dollar))
remove_comma <- function(x){
str_replace(x, ',', '')
}
# Remove commas from variables
df_ins_raw <- mutate_all(df_ins_raw, funs(remove_comma))
# Preview updated data
glimpse(df_ins_raw)## Rows: 8,161
## Columns: 25
## $ TARGET_FLAG <chr> "0", "0", "0", "0", "0", "1", "0", "1", "1", "0", "1", "0"…
## $ TARGET_AMT <chr> "0", "0", "0", "0", "0", "2946", "0", "4021", "2501", "0",…
## $ KIDSDRIV <chr> "0", "0", "0", "0", "0", "0", "0", "1", "0", "0", "0", "0"…
## $ AGE <chr> "60", "43", "35", "51", "50", "34", "54", "37", "34", "50"…
## $ HOMEKIDS <chr> "0", "0", "1", "0", "0", "1", "0", "2", "0", "0", "0", "0"…
## $ YOJ <chr> "11", "11", "10", "14", NA, "12", NA, NA, "10", "7", "14",…
## $ INCOME <chr> "67349", "91449", "16039", "", "114986", "125301", "18755"…
## $ PARENT1 <chr> "No", "No", "No", "No", "No", "Yes", "No", "No", "No", "No…
## $ HOME_VAL <chr> "0", "257252", "124191", "306251", "243925", "0", "", "333…
## $ MSTATUS <chr> "No", "No", "Yes", "Yes", "Yes", "No", "Yes", "Yes", "No",…
## $ SEX <chr> "M", "M", "F", "M", "F", "F", "F", "M", "F", "M", "F", "F"…
## $ EDUCATION <chr> "PhD", "High School", "High School", "<High School", "PhD"…
## $ JOB <chr> "Professional", "Blue Collar", "Clerical", "Blue Collar", …
## $ TRAVTIME <chr> "14", "22", "5", "32", "36", "46", "33", "44", "34", "48",…
## $ CAR_USE <chr> "Private", "Commercial", "Private", "Private", "Private", …
## $ BLUEBOOK <chr> "14230", "14940", "4010", "15440", "18000", "17430", "8780…
## $ TIF <chr> "11", "1", "4", "7", "1", "1", "1", "1", "1", "7", "1", "7…
## $ CAR_TYPE <chr> "Minivan", "Minivan", "SUV", "Minivan", "SUV", "Sports Car…
## $ RED_CAR <chr> "yes", "yes", "no", "yes", "no", "no", "no", "yes", "no", …
## $ OLDCLAIM <chr> "4461", "0", "38690", "0", "19217", "0", "0", "2374", "0",…
## $ CLM_FREQ <chr> "2", "0", "2", "0", "2", "0", "0", "1", "0", "0", "0", "0"…
## $ REVOKED <chr> "No", "No", "No", "No", "Yes", "No", "No", "Yes", "No", "N…
## $ MVR_PTS <chr> "3", "0", "3", "0", "3", "0", "0", "10", "0", "1", "0", "0…
## $ CAR_AGE <chr> "18", "1", "10", "6", "17", "7", "1", "7", "1", "17", "11"…
## $ URBANICITY <chr> "Highly Urban/ Urban", "Highly Urban/ Urban", "Highly Urba…Review distinct values
# Count of distinct values for each column
df_ins_raw %>% summarise_all(n_distinct)## TARGET_FLAG TARGET_AMT KIDSDRIV AGE HOMEKIDS YOJ INCOME PARENT1 HOME_VAL
## 1 2 1949 5 61 6 22 6613 2 5107
## MSTATUS SEX EDUCATION JOB TRAVTIME CAR_USE BLUEBOOK TIF CAR_TYPE RED_CAR
## 1 2 2 5 9 97 2 2789 23 6 2
## OLDCLAIM CLM_FREQ REVOKED MVR_PTS CAR_AGE URBANICITY
## 1 2857 6 2 13 31 2df_ins_raw %>% distinct(PARENT1)## PARENT1
## 1 No
## 2 Yesdf_ins_raw %>% distinct(MSTATUS)## MSTATUS
## 1 No
## 2 Yesdf_ins_raw %>% distinct(SEX)## SEX
## 1 M
## 2 Fdf_ins_raw %>% distinct(EDUCATION)## EDUCATION
## 1 PhD
## 2 High School
## 3 <High School
## 4 Bachelors
## 5 Mastersdf_ins_raw %>% distinct(JOB)## JOB
## 1 Professional
## 2 Blue Collar
## 3 Clerical
## 4 Doctor
## 5 Lawyer
## 6 Manager
## 7
## 8 Home Maker
## 9 Studentdf_ins_raw %>% distinct(CAR_USE)## CAR_USE
## 1 Private
## 2 Commercialdf_ins_raw %>% distinct(CAR_TYPE)## CAR_TYPE
## 1 Minivan
## 2 SUV
## 3 Sports Car
## 4 Van
## 5 Panel Truck
## 6 Pickupdf_ins_raw %>% distinct(CLM_FREQ)## CLM_FREQ
## 1 2
## 2 0
## 3 1
## 4 3
## 5 5
## 6 4df_ins_raw %>% distinct(REVOKED)## REVOKED
## 1 No
## 2 Yesdf_ins_raw %>% distinct(URBANICITY)## URBANICITY
## 1 Highly Urban/ Urban
## 2 Highly Rural/ RuralConvert datatypes
# Set data types for variables
df_ins_clean <- df_ins_raw %>% transform(
TARGET_FLAG = as.factor(TARGET_FLAG),
TARGET_AMT = as.numeric(TARGET_AMT),
KIDSDRIV = as.factor(KIDSDRIV),
AGE = as.numeric(AGE),
HOMEKIDS = as.factor(HOMEKIDS),
YOJ = as.numeric(YOJ),
INCOME = as.numeric(INCOME),
PARENT1 = as.factor(PARENT1),
HOME_VAL = as.numeric(HOME_VAL),
MSTATUS = as.factor(MSTATUS),
SEX = as.factor(SEX),
EDUCATION = as.factor(EDUCATION),
JOB = as.factor(JOB),
TRAVTIME = as.numeric(TRAVTIME),
CAR_USE = as.factor(CAR_USE),
BLUEBOOK = as.numeric(BLUEBOOK),
TIF = as.numeric(TIF), # factor or numeric?
CAR_TYPE = as.factor(CAR_TYPE),
RED_CAR = as.factor(RED_CAR),
OLDCLAIM = as.numeric(OLDCLAIM),
CLM_FREQ = as.ordered(CLM_FREQ), # factor or numeric?
REVOKED = as.factor(REVOKED),
MVR_PTS = as.numeric(MVR_PTS),
CAR_AGE = as.numeric(CAR_AGE),
URBANICITY = as.factor(URBANICITY))
# Confirm CLM_FREQ is an ordered factor
is.ordered(df_ins_clean$CLM_FREQ)## [1] TRUEReview NAs
# NA counts for each column
colSums(is.na(df_ins_clean))## TARGET_FLAG TARGET_AMT KIDSDRIV AGE HOMEKIDS YOJ
## 0 0 0 6 0 454
## INCOME PARENT1 HOME_VAL MSTATUS SEX EDUCATION
## 445 0 464 0 0 0
## JOB TRAVTIME CAR_USE BLUEBOOK TIF CAR_TYPE
## 0 0 0 0 0 0
## RED_CAR OLDCLAIM CLM_FREQ REVOKED MVR_PTS CAR_AGE
## 0 0 0 0 0 510
## URBANICITY
## 0# Visualize NA counts for each column
df_ins_clean %>%
summarise_all(list(~is.na(.)))%>%
pivot_longer(everything(),
names_to = "variables", values_to="missing") %>%
count(variables, missing) %>%
ggplot(aes(y=variables,x=n,fill=missing))+
geom_col()
Data imputation
# Impute data by regression:
df_ins_imp <- mice(df_ins_clean, method = "norm.predict", m = 1, remove.collinear=FALSE)##
## iter imp variable
## 1 1 AGE YOJ INCOME HOME_VAL CAR_AGE
## 2 1 AGE YOJ INCOME HOME_VAL CAR_AGE
## 3 1 AGE YOJ INCOME HOME_VAL CAR_AGE
## 4 1 AGE YOJ INCOME HOME_VAL CAR_AGE
## 5 1 AGE YOJ INCOME HOME_VAL CAR_AGEdf_ins_imp <- complete(df_ins_imp)
# Confirm no NAs remain
colSums(is.na(df_ins_imp))## TARGET_FLAG TARGET_AMT KIDSDRIV AGE HOMEKIDS YOJ
## 0 0 0 0 0 0
## INCOME PARENT1 HOME_VAL MSTATUS SEX EDUCATION
## 0 0 0 0 0 0
## JOB TRAVTIME CAR_USE BLUEBOOK TIF CAR_TYPE
## 0 0 0 0 0 0
## RED_CAR OLDCLAIM CLM_FREQ REVOKED MVR_PTS CAR_AGE
## 0 0 0 0 0 0
## URBANICITY
## 0DATA EXPLORATION
Summary statistics
describe(df_ins_imp)## df_ins_imp
##
## 25 Variables 8161 Observations
## --------------------------------------------------------------------------------
## TARGET_FLAG
## n missing distinct
## 8161 0 2
##
## Value 0 1
## Frequency 6008 2153
## Proportion 0.736 0.264
## --------------------------------------------------------------------------------
## TARGET_AMT
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 1949 0.601 1504 2574 0 0
## .25 .50 .75 .90 .95
## 0 0 1036 4904 6452
##
## lowest : 0.00000 30.27728 58.53106 95.56732 108.74150
## highest: 73783.46592 77907.43028 78874.19056 85523.65335 107586.13616
## --------------------------------------------------------------------------------
## KIDSDRIV
## n missing distinct
## 8161 0 5
##
## lowest : 0 1 2 3 4, highest: 0 1 2 3 4
##
## Value 0 1 2 3 4
## Frequency 7180 636 279 62 4
## Proportion 0.880 0.078 0.034 0.008 0.000
## --------------------------------------------------------------------------------
## AGE
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 66 0.999 44.78 9.749 30 34
## .25 .50 .75 .90 .95
## 39 45 51 56 59
##
## lowest : 16 17 18 19 20, highest: 72 73 76 80 81
## --------------------------------------------------------------------------------
## HOMEKIDS
## n missing distinct
## 8161 0 6
##
## lowest : 0 1 2 3 4, highest: 1 2 3 4 5
##
## Value 0 1 2 3 4 5
## Frequency 5289 902 1118 674 164 14
## Proportion 0.648 0.111 0.137 0.083 0.020 0.002
## --------------------------------------------------------------------------------
## YOJ
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 475 0.991 10.5 4.2 0 5
## .25 .50 .75 .90 .95
## 9 11 13 14 15
##
## lowest : 0.000000 1.000000 2.000000 2.748164 3.000000
## highest: 16.348250 17.000000 18.000000 19.000000 23.000000
## --------------------------------------------------------------------------------
## INCOME
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 7057 1 61594 51009 0 4362
## .25 .50 .75 .90 .95
## 27940 54216 85472 122744 151663
##
## lowest : -31968.53 -26991.29 -20478.34 -16829.40 -16713.96
## highest: 306277.00 309628.00 320127.00 332339.00 367030.00
## --------------------------------------------------------------------------------
## PARENT1
## n missing distinct
## 8161 0 2
##
## Value No Yes
## Frequency 7084 1077
## Proportion 0.868 0.132
## --------------------------------------------------------------------------------
## HOME_VAL
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 5570 0.978 154934 142397 0 0
## .25 .50 .75 .90 .95
## 0 160953 237604 314151 373031
##
## lowest : -86549.72 -71570.86 -71165.20 -70648.14 -68150.79
## highest: 657804.00 682634.00 738153.00 750455.00 885282.00
## --------------------------------------------------------------------------------
## MSTATUS
## n missing distinct
## 8161 0 2
##
## Value No Yes
## Frequency 3267 4894
## Proportion 0.4 0.6
## --------------------------------------------------------------------------------
## SEX
## n missing distinct
## 8161 0 2
##
## Value F M
## Frequency 4375 3786
## Proportion 0.536 0.464
## --------------------------------------------------------------------------------
## EDUCATION
## n missing distinct
## 8161 0 5
##
## lowest : <High School Bachelors High School Masters PhD
## highest: <High School Bachelors High School Masters PhD
##
## Value <High School Bachelors High School Masters PhD
## Frequency 1203 2242 2330 1658 728
## Proportion 0.147 0.275 0.286 0.203 0.089
## --------------------------------------------------------------------------------
## JOB
## n missing distinct
## 8161 0 9
##
## lowest : Blue Collar Clerical Doctor Home Maker
## highest: Home Maker Lawyer Manager Professional Student
##
## Value Blue Collar Clerical Doctor Home Maker
## Frequency 526 1825 1271 246 641
## Proportion 0.064 0.224 0.156 0.030 0.079
##
## Value Lawyer Manager Professional Student
## Frequency 835 988 1117 712
## Proportion 0.102 0.121 0.137 0.087
## --------------------------------------------------------------------------------
## TRAVTIME
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 97 1 33.49 17.85 7 13
## .25 .50 .75 .90 .95
## 22 33 44 54 60
##
## lowest : 5 6 7 8 9, highest: 103 113 124 134 142
## --------------------------------------------------------------------------------
## CAR_USE
## n missing distinct
## 8161 0 2
##
## Value Commercial Private
## Frequency 3029 5132
## Proportion 0.371 0.629
## --------------------------------------------------------------------------------
## BLUEBOOK
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 2789 1 15710 9354 4900 6000
## .25 .50 .75 .90 .95
## 9280 14440 20850 27460 31110
##
## lowest : 1500 1520 1530 1540 1590, highest: 57970 61050 62240 65970 69740
## --------------------------------------------------------------------------------
## TIF
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 23 0.961 5.351 4.512 1 1
## .25 .50 .75 .90 .95
## 1 4 7 11 13
##
## lowest : 1 2 3 4 5, highest: 19 20 21 22 25
## --------------------------------------------------------------------------------
## CAR_TYPE
## n missing distinct
## 8161 0 6
##
## lowest : Minivan Panel Truck Pickup Sports Car SUV
## highest: Panel Truck Pickup Sports Car SUV Van
##
## Value Minivan Panel Truck Pickup Sports Car SUV
## Frequency 2145 676 1389 907 2294
## Proportion 0.263 0.083 0.170 0.111 0.281
##
## Value Van
## Frequency 750
## Proportion 0.092
## --------------------------------------------------------------------------------
## RED_CAR
## n missing distinct
## 8161 0 2
##
## Value no yes
## Frequency 5783 2378
## Proportion 0.709 0.291
## --------------------------------------------------------------------------------
## OLDCLAIM
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 2857 0.769 4037 6563 0 0
## .25 .50 .75 .90 .95
## 0 0 4636 9583 27090
##
## lowest : 0 502 506 518 519, highest: 52507 53477 53568 53986 57037
## --------------------------------------------------------------------------------
## CLM_FREQ
## n missing distinct
## 8161 0 6
##
## lowest : 0 1 2 3 4, highest: 1 2 3 4 5
##
## Value 0 1 2 3 4 5
## Frequency 5009 997 1171 776 190 18
## Proportion 0.614 0.122 0.143 0.095 0.023 0.002
## --------------------------------------------------------------------------------
## REVOKED
## n missing distinct
## 8161 0 2
##
## Value No Yes
## Frequency 7161 1000
## Proportion 0.877 0.123
## --------------------------------------------------------------------------------
## MVR_PTS
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 13 0.9 1.696 2.187 0 0
## .25 .50 .75 .90 .95
## 0 1 3 5 6
##
## lowest : 0 1 2 3 4, highest: 8 9 10 11 13
##
## Value 0 1 2 3 4 5 6 7 8 9 10
## Frequency 3712 1157 948 758 599 399 266 167 84 45 13
## Proportion 0.455 0.142 0.116 0.093 0.073 0.049 0.033 0.020 0.010 0.006 0.002
##
## Value 11 13
## Frequency 11 2
## Proportion 0.001 0.000
## --------------------------------------------------------------------------------
## CAR_AGE
## n missing distinct Info Mean Gmd .05 .10
## 8161 0 540 0.985 8.347 6.374 1.000 1.000
## .25 .50 .75 .90 .95
## 3.514 8.000 12.000 16.000 18.000
##
## lowest : -3.0000000 -1.1184508 -0.9423267 0.0000000 1.0000000
## highest: 24.0000000 25.0000000 26.0000000 27.0000000 28.0000000
## --------------------------------------------------------------------------------
## URBANICITY
## n missing distinct
## 8161 0 2
##
## Value Highly Rural/ Rural Highly Urban/ Urban
## Frequency 1669 6492
## Proportion 0.205 0.795
## --------------------------------------------------------------------------------Distributions of variables
# Histograms
df_ins_imp %>%
keep(is.numeric) %>%
gather() %>%
ggplot(aes(value)) +
facet_wrap(~ key, scales = "free") +
geom_density(fill = "steelblue", alpha=0.9, color="steelblue") +
geom_histogram(aes(y=..density..), alpha=0.5, fill = "lightblue", color="lightblue", position="identity")
# Boxplots
df_ins_imp %>%
keep(is.numeric) %>%
gather() %>%
ggplot(aes(value)) +
facet_wrap(~ key, scales = "free") +
geom_boxplot(fill = "steelblue", color="black", outlier.colour="red", outlier.shape=16,
outlier.size=2, notch=FALSE)
Distributions of log-transformed variables
# Log transformation
df_ins_imp_log <- df_ins_imp %>% keep(is.numeric)
df_ins_imp_log <- log(df_ins_imp_log + 1)
# Histograms of log transformed numeric variables
df_ins_imp_log %>%
gather(variable, value, TARGET_AMT:CAR_AGE) %>%
ggplot(., aes(value)) +
geom_density(fill = "steelblue", color="steelblue") +
facet_wrap(~variable, scales ="free", ncol = 4) +
labs(x = element_blank(), y = element_blank())
# Test for normality
shapiro.test(df_ins_imp_log$AGE[0:5000])##
## Shapiro-Wilk normality test
##
## data: df_ins_imp_log$AGE[0:5000]
## W = 0.97949, p-value < 2.2e-16# Visual inspection of one variable (age) for normality
qqnorm(df_ins_imp_log$AGE, pch = 1, frame = FALSE)
qqline(df_ins_imp_log$AGE, col = "steelblue", lwd = 2)
Distributions of square root-transformed variables
# Square root transformation
df_ins_imp_sqrt <- sqrt(df_ins_imp %>% keep(is.numeric))
# Histograms of square root transformed numeric variables
df_ins_imp_sqrt %>%
gather(variable, value, TARGET_AMT:CAR_AGE) %>%
ggplot(., aes(value)) +
geom_density(fill = "steelblue", color="steelblue") +
facet_wrap(~variable, scales ="free", ncol = 4) +
labs(x = element_blank(), y = element_blank())
# Test for normality
shapiro.test(df_ins_imp_sqrt$AGE[0:5000])##
## Shapiro-Wilk normality test
##
## data: df_ins_imp_sqrt$AGE[0:5000]
## W = 0.99371, p-value = 5.047e-14# Visual inspection of one variable (age) for normality
qqnorm(df_ins_imp_sqrt$AGE, pch = 1, frame = FALSE)
qqline(df_ins_imp_sqrt$AGE, col = "steelblue", lwd = 2)
Distributions of cube root-transformed variables
# Cube root transformation
df_ins_imp_cube <- (df_ins_imp %>% keep(is.numeric))^(1/3)
# Histograms of cube root transformed numeric variables
df_ins_imp_cube %>%
gather(variable, value, TARGET_AMT:CAR_AGE) %>%
ggplot(., aes(value)) +
geom_density(fill = "steelblue", color="steelblue") +
facet_wrap(~variable, scales ="free", ncol = 4) +
labs(x = element_blank(), y = element_blank())
# Test for normality
shapiro.test(df_ins_imp_cube$AGE[0:5000])##
## Shapiro-Wilk normality test
##
## data: df_ins_imp_cube$AGE[0:5000]
## W = 0.98989, p-value < 2.2e-16# Visual inspection of one variable (age) for normality
qqnorm(df_ins_imp_cube$AGE, pch = 1, frame = FALSE)
qqline(df_ins_imp_cube$AGE, col = "steelblue", lwd = 2)
Create new columns with transformed variables
df_ins <- df_ins_imp %>%
mutate(across(c(TARGET_AMT, AGE, YOJ, INCOME, HOME_VAL, TRAVTIME, BLUEBOOK,
TIF, OLDCLAIM, MVR_PTS, CAR_AGE), .fns = list(log = ~ log(. + 1))))
df_ins <- df_ins %>%
mutate(across(c(TARGET_AMT, AGE, YOJ, INCOME, HOME_VAL, TRAVTIME, BLUEBOOK,
TIF, OLDCLAIM, MVR_PTS, CAR_AGE), .fns = list(sqrt = sqrt)))
df_ins <- df_ins %>%
mutate(across(c(TARGET_AMT, AGE, YOJ, INCOME, HOME_VAL, TRAVTIME, BLUEBOOK,
TIF, OLDCLAIM, MVR_PTS, CAR_AGE), .fns = list(cbrt = ~ .^(1/3))))
glimpse(df_ins)## Rows: 8,161
## Columns: 58
## $ TARGET_FLAG <fct> 0, 0, 0, 0, 0, 1, 0, 1, 1, 0, 1, 0, 0, 1, 1, 0, 0, 0, …
## $ TARGET_AMT <dbl> 0.000, 0.000, 0.000, 0.000, 0.000, 2946.000, 0.000, 40…
## $ KIDSDRIV <fct> 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, …
## $ AGE <dbl> 60, 43, 35, 51, 50, 34, 54, 37, 34, 50, 53, 43, 55, 53…
## $ HOMEKIDS <fct> 0, 0, 1, 0, 0, 1, 0, 2, 0, 0, 0, 0, 0, 0, 0, 3, 0, 3, …
## $ YOJ <dbl> 11.00000, 11.00000, 10.00000, 14.00000, 11.34200, 12.0…
## $ INCOME <dbl> 67349.00, 91449.00, 16039.00, 67185.87, 114986.00, 125…
## $ PARENT1 <fct> No, No, No, No, No, Yes, No, No, No, No, No, No, No, N…
## $ HOME_VAL <dbl> 0.0, 257252.0, 124191.0, 306251.0, 243925.0, 0.0, 1654…
## $ MSTATUS <fct> No, No, Yes, Yes, Yes, No, Yes, Yes, No, No, No, Yes, …
## $ SEX <fct> M, M, F, M, F, F, F, M, F, M, F, F, M, M, F, F, M, F, …
## $ EDUCATION <fct> PhD, High School, High School, <High School, PhD, Bach…
## $ JOB <fct> Professional, Blue Collar, Clerical, Blue Collar, Doct…
## $ TRAVTIME <dbl> 14, 22, 5, 32, 36, 46, 33, 44, 34, 48, 15, 36, 25, 64,…
## $ CAR_USE <fct> Private, Commercial, Private, Private, Private, Commer…
## $ BLUEBOOK <dbl> 14230, 14940, 4010, 15440, 18000, 17430, 8780, 16970, …
## $ TIF <dbl> 11, 1, 4, 7, 1, 1, 1, 1, 1, 7, 1, 7, 7, 6, 1, 6, 6, 7,…
## $ CAR_TYPE <fct> Minivan, Minivan, SUV, Minivan, SUV, Sports Car, SUV, …
## $ RED_CAR <fct> yes, yes, no, yes, no, no, no, yes, no, no, no, no, ye…
## $ OLDCLAIM <dbl> 4461, 0, 38690, 0, 19217, 0, 0, 2374, 0, 0, 0, 0, 5028…
## $ CLM_FREQ <ord> 2, 0, 2, 0, 2, 0, 0, 1, 0, 0, 0, 0, 2, 0, 0, 0, 0, 0, …
## $ REVOKED <fct> No, No, No, No, Yes, No, No, Yes, No, No, No, No, Yes,…
## $ MVR_PTS <dbl> 3, 0, 3, 0, 3, 0, 0, 10, 0, 1, 0, 0, 3, 3, 3, 0, 0, 0,…
## $ CAR_AGE <dbl> 18, 1, 10, 6, 17, 7, 1, 7, 1, 17, 11, 1, 9, 10, 5, 13,…
## $ URBANICITY <fct> Highly Urban/ Urban, Highly Urban/ Urban, Highly Urban…
## $ TARGET_AMT_log <dbl> 0.000000, 0.000000, 0.000000, 0.000000, 0.000000, 7.98…
## $ AGE_log <dbl> 4.110874, 3.784190, 3.583519, 3.951244, 3.931826, 3.55…
## $ YOJ_log <dbl> 2.484907, 2.484907, 2.397895, 2.708050, 2.513008, 2.56…
## $ INCOME_log <dbl> 11.117658, 11.423548, 9.682841, 11.115233, 11.652574, …
## $ HOME_VAL_log <dbl> 0.00000, 12.45782, 11.72958, 12.63216, 12.40462, 0.000…
## $ TRAVTIME_log <dbl> 2.708050, 3.135494, 1.791759, 3.496508, 3.610918, 3.85…
## $ BLUEBOOK_log <dbl> 9.563178, 9.611864, 8.296796, 9.644782, 9.798183, 9.76…
## $ TIF_log <dbl> 2.4849066, 0.6931472, 1.6094379, 2.0794415, 0.6931472,…
## $ OLDCLAIM_log <dbl> 8.403352, 0.000000, 10.563362, 0.000000, 9.863603, 0.0…
## $ MVR_PTS_log <dbl> 1.3862944, 0.0000000, 1.3862944, 0.0000000, 1.3862944,…
## $ CAR_AGE_log <dbl> 2.9444390, 0.6931472, 2.3978953, 1.9459101, 2.8903718,…
## $ TARGET_AMT_sqrt <dbl> 0.00000, 0.00000, 0.00000, 0.00000, 0.00000, 54.27707,…
## $ AGE_sqrt <dbl> 7.745967, 6.557439, 5.916080, 7.141428, 7.071068, 5.83…
## $ YOJ_sqrt <dbl> 3.316625, 3.316625, 3.162278, 3.741657, 3.367788, 3.46…
## $ INCOME_sqrt <dbl> 259.5169, 302.4054, 126.6452, 259.2024, 339.0959, 353.…
## $ HOME_VAL_sqrt <dbl> 0.0000, 507.2002, 352.4074, 553.3995, 493.8876, 0.0000…
## $ TRAVTIME_sqrt <dbl> 3.741657, 4.690416, 2.236068, 5.656854, 6.000000, 6.78…
## $ BLUEBOOK_sqrt <dbl> 119.28956, 122.22929, 63.32456, 124.25780, 134.16408, …
## $ TIF_sqrt <dbl> 3.316625, 1.000000, 2.000000, 2.645751, 1.000000, 1.00…
## $ OLDCLAIM_sqrt <dbl> 66.79072, 0.00000, 196.69774, 0.00000, 138.62539, 0.00…
## $ MVR_PTS_sqrt <dbl> 1.732051, 0.000000, 1.732051, 0.000000, 1.732051, 0.00…
## $ CAR_AGE_sqrt <dbl> 4.242641, 1.000000, 3.162278, 2.449490, 4.123106, 2.64…
## $ TARGET_AMT_cbrt <dbl> 0.00000, 0.00000, 0.00000, 0.00000, 0.00000, 14.33544,…
## $ AGE_cbrt <dbl> 3.914868, 3.503398, 3.271066, 3.708430, 3.684031, 3.23…
## $ YOJ_cbrt <dbl> 2.223980, 2.223980, 2.154435, 2.410142, 2.246794, 2.28…
## $ INCOME_cbrt <dbl> 40.68588, 45.05327, 25.21888, 40.65300, 48.62747, 50.0…
## $ HOME_VAL_cbrt <dbl> 0.00000, 63.59939, 49.89190, 67.40506, 62.48159, 0.000…
## $ TRAVTIME_cbrt <dbl> 2.410142, 2.802039, 1.709976, 3.174802, 3.301927, 3.58…
## $ BLUEBOOK_cbrt <dbl> 24.23269, 24.62919, 15.88723, 24.90094, 26.20741, 25.9…
## $ TIF_cbrt <dbl> 2.223980, 1.000000, 1.587401, 1.912931, 1.000000, 1.00…
## $ OLDCLAIM_cbrt <dbl> 16.46180, 0.00000, 33.82202, 0.00000, 26.78522, 0.0000…
## $ MVR_PTS_cbrt <dbl> 1.442250, 0.000000, 1.442250, 0.000000, 1.442250, 0.00…
## $ CAR_AGE_cbrt <dbl> 2.620741, 1.000000, 2.154435, 1.817121, 2.571282, 1.91…Create new variables
df_ins$HV_INC_RATIO <- df_ins$HOME_VAL / df_ins$INCOME
df_ins$TRT_MVR_PRODUCT <- df_ins$TRAVTIME * df_ins$MVR_PTS
df_ins$HV_INC_RATIO[is.nan(df_ins$HV_INC_RATIO)] <- 0
df_ins$HV_INC_RATIO[is.infinite(df_ins$HV_INC_RATIO)] <- 0Data imputation again
# Impute data by regression:
df_ins <- mice(df_ins, method = "norm.predict", m = 1, remove.collinear=FALSE)##
## iter imp variable
## 1 1 INCOME_log* HOME_VAL_log* CAR_AGE_log* INCOME_sqrt* HOME_VAL_sqrt* CAR_AGE_sqrt INCOME_cbrt* HOME_VAL_cbrt* CAR_AGE_cbrt*
## 2 1 INCOME_log* HOME_VAL_log* CAR_AGE_log* INCOME_sqrt HOME_VAL_sqrt* CAR_AGE_sqrt* INCOME_cbrt* HOME_VAL_cbrt* CAR_AGE_cbrt*
## 3 1 INCOME_log* HOME_VAL_log* CAR_AGE_log* INCOME_sqrt HOME_VAL_sqrt* CAR_AGE_sqrt* INCOME_cbrt* HOME_VAL_cbrt* CAR_AGE_cbrt*
## 4 1 INCOME_log* HOME_VAL_log* CAR_AGE_log* INCOME_sqrt HOME_VAL_sqrt* CAR_AGE_sqrt* INCOME_cbrt* HOME_VAL_cbrt* CAR_AGE_cbrt*
## 5 1 INCOME_log* HOME_VAL_log CAR_AGE_log* INCOME_sqrt HOME_VAL_sqrt* CAR_AGE_sqrt* INCOME_cbrt* HOME_VAL_cbrt* CAR_AGE_cbrt*## Warning: Number of logged events: 84df_ins <- complete(df_ins)
# Confirm no NAs remain
colSums(is.na(df_ins))## TARGET_FLAG TARGET_AMT KIDSDRIV AGE HOMEKIDS
## 0 0 0 0 0
## YOJ INCOME PARENT1 HOME_VAL MSTATUS
## 0 0 0 0 0
## SEX EDUCATION JOB TRAVTIME CAR_USE
## 0 0 0 0 0
## BLUEBOOK TIF CAR_TYPE RED_CAR OLDCLAIM
## 0 0 0 0 0
## CLM_FREQ REVOKED MVR_PTS CAR_AGE URBANICITY
## 0 0 0 0 0
## TARGET_AMT_log AGE_log YOJ_log INCOME_log HOME_VAL_log
## 0 0 0 0 0
## TRAVTIME_log BLUEBOOK_log TIF_log OLDCLAIM_log MVR_PTS_log
## 0 0 0 0 0
## CAR_AGE_log TARGET_AMT_sqrt AGE_sqrt YOJ_sqrt INCOME_sqrt
## 0 0 0 0 0
## HOME_VAL_sqrt TRAVTIME_sqrt BLUEBOOK_sqrt TIF_sqrt OLDCLAIM_sqrt
## 0 0 0 0 0
## MVR_PTS_sqrt CAR_AGE_sqrt TARGET_AMT_cbrt AGE_cbrt YOJ_cbrt
## 0 0 0 0 0
## INCOME_cbrt HOME_VAL_cbrt TRAVTIME_cbrt BLUEBOOK_cbrt TIF_cbrt
## 0 0 0 0 0
## OLDCLAIM_cbrt MVR_PTS_cbrt CAR_AGE_cbrt HV_INC_RATIO TRT_MVR_PRODUCT
## 0 0 0 0 0Correlation of variables
# Visualize correlation between variables
corrplot(cor(df_ins_imp %>% keep(is.numeric)), method="shade", shade.col=NA, tl.col="black", tl.srt=45)
# Reshape correlation results
flattenCorrMatrix <- function(cormat, pmat) {
ut <- upper.tri(cormat)
data.frame(
row = rownames(cormat)[row(cormat)[ut]],
column = rownames(cormat)[col(cormat)[ut]],
cor =(cormat)[ut],
p = pmat[ut]
)
}
# Closer look at correlations of variables
corr_results <- rcorr(as.matrix(df_ins_imp %>% keep(is.numeric)))
df_corr <- flattenCorrMatrix(corr_results$r, corr_results$P)
# Noteworthy positive correlations
df_corr %>% filter(cor > 0.4)## row column cor p
## 1 INCOME HOME_VAL 0.5905968 0
## 2 INCOME BLUEBOOK 0.4347127 0
## 3 INCOME CAR_AGE 0.4259214 0# Noteworthy negative correlations
df_corr %>% filter(cor < -0.4)## [1] row column cor p
## <0 rows> (or 0-length row.names)# Pair plot
pairs(df_ins_imp %>% keep(is.numeric), lower.panel = NULL, col = "steelblue")
Check for multicollinearity
model <- glm(TARGET_AMT ~ KIDSDRIV + AGE + YOJ + INCOME + HOME_VAL + TRAVTIME + BLUEBOOK +
TIF + OLDCLAIM + MVR_PTS + CAR_AGE, data = df_ins, family = "quasipoisson")
vif(model)## GVIF Df GVIF^(1/(2*Df))
## KIDSDRIV 1.024923 4 1.003082
## AGE 1.094996 1 1.046421
## YOJ 1.182086 1 1.087238
## INCOME 1.821524 1 1.349639
## HOME_VAL 1.330628 1 1.153529
## TRAVTIME 1.004598 1 1.002296
## BLUEBOOK 1.229380 1 1.108774
## TIF 1.004250 1 1.002123
## OLDCLAIM 1.080919 1 1.039673
## MVR_PTS 1.097635 1 1.047681
## CAR_AGE 1.252012 1 1.118934Bucket select variables (by quantiles)
# 0-.25, .25-.75, .75-1
df_ins$CAR_AGE_fact <- cut(x = df_ins$CAR_AGE, breaks = c(-4, 3.5, 12, 28), labels = c("New", "Moderate", "Old"))
# -.5, .5-.9, .9+
df_ins$HOME_VAL_fact <- cut(x = df_ins$HOME_VAL, breaks = c(-86567, 160953, 314151, 885283), labels = c("No or Low", "Moderate", "High"))
# 0-.25, .25-.75, .75-1
df_ins$INCOME_fact <- cut(x = df_ins$INCOME, breaks = c(-31969, 27940, 85472, 367031), labels = c("Low", "Moderate", "High"))
# 0-.5, .50-.75, .75-1
df_ins$MVR_PTS_fact <- cut(x = df_ins$MVR_PTS, breaks = c(-1, 1, 3, 14), labels = c("Low", "Moderate", "High"))
# 0-.75, .75-1
df_ins$OLDCLAIM_fact <- cut(x = df_ins$OLDCLAIM, breaks = c(-1, 4636, 57038), labels = c("Low", "High"))
# 0-.25, .25-.75, .75-1
df_ins$TIF_fact <- cut(x = df_ins$TIF, breaks = c(-1, 1, 7, 26), labels = c("Low", "Moderate", "High"))
# 0-.25, .25-.75, .75-1
df_ins$TRAVTIME_fact <- cut(x = df_ins$TRAVTIME, breaks = c(4, 22, 44, 143), labels = c("Short", "Moderate", "Long"))
# 0-.25, .25-.75, .75-1
df_ins$YOJ_fact <- cut(x = df_ins$YOJ, breaks = c(-1, 9, 13, 24), labels = c("Low", "Moderate", "High"))Binary Logistic Regression
Quasipoisson NULL Model
# remove set up the data
data_train <- df_ins[-c(2)]model1 <- glm(TARGET_AMT ~ 1, data = df_ins, family = "quasipoisson")
summary(model1)##
## Call:
## glm(formula = TARGET_AMT ~ 1, family = "quasipoisson", data = df_ins)
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -54.85 -54.85 -54.85 -12.80 840.60
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 7.31610 0.03461 211.4 <2e-16 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for quasipoisson family taken to be 14709.52)
##
## Null deviance: 43774324 on 8160 degrees of freedom
## Residual deviance: 43774324 on 8160 degrees of freedom
## AIC: NA
##
## Number of Fisher Scoring iterations: 7Quasipoisson FULL Model
model2 <- glm(TARGET_AMT ~ ., data = df_ins, family = "quasipoisson")
summary(model2)##
## Call:
## glm(formula = TARGET_AMT ~ ., family = "quasipoisson", data = df_ins)
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -0.150676 -0.000002 -0.000002 -0.000002 0.007685
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) -2.740e+01 1.788e+01 -1.532 0.12553
## TARGET_FLAG1 2.729e+01 1.788e+01 1.526 0.12703
## KIDSDRIV1 -2.256e-06 3.188e-06 -0.707 0.47928
## KIDSDRIV2 -4.284e-06 4.268e-06 -1.004 0.31561
## KIDSDRIV3 -2.237e-05 7.679e-06 -2.912 0.00360 **
## KIDSDRIV4 -3.594e-05 6.940e-05 -0.518 0.60449
## AGE 4.770e-04 2.054e-04 2.322 0.02026 *
## HOMEKIDS1 3.864e-06 3.501e-06 1.104 0.26981
## HOMEKIDS2 1.932e-06 3.473e-06 0.556 0.57801
## HOMEKIDS3 5.877e-06 4.066e-06 1.445 0.14844
## HOMEKIDS4 -1.285e-07 6.031e-06 -0.021 0.98300
## HOMEKIDS5 -5.394e-06 1.901e-05 -0.284 0.77661
## YOJ -6.234e-05 3.258e-05 -1.913 0.05574 .
## INCOME 1.185e-10 1.440e-10 0.823 0.41071
## PARENT1Yes 3.502e-06 3.289e-06 1.065 0.28705
## HOME_VAL -3.668e-11 3.563e-10 -0.103 0.91802
## MSTATUSYes 2.822e-07 2.627e-06 0.107 0.91445
## SEXM -8.465e-07 3.200e-06 -0.265 0.79138
## EDUCATIONBachelors -2.483e-06 3.294e-06 -0.754 0.45099
## EDUCATIONHigh School -2.171e-06 2.542e-06 -0.854 0.39315
## EDUCATIONMasters 5.542e-06 5.485e-06 1.010 0.31233
## EDUCATIONPhD -8.610e-07 6.453e-06 -0.133 0.89386
## JOBBlue Collar 7.240e-06 5.366e-06 1.349 0.17729
## JOBClerical 1.678e-06 5.649e-06 0.297 0.76645
## JOBDoctor -1.966e-06 8.759e-06 -0.224 0.82242
## JOBHome Maker -6.524e-07 6.530e-06 -0.100 0.92041
## JOBLawyer 5.984e-07 4.822e-06 0.124 0.90123
## JOBManager -3.549e-06 4.982e-06 -0.712 0.47621
## JOBProfessional -6.234e-06 5.158e-06 -1.209 0.22684
## JOBStudent -5.458e-06 6.861e-06 -0.796 0.42630
## TRAVTIME 2.275e-05 5.782e-05 0.393 0.69404
## CAR_USEPrivate 4.894e-06 2.585e-06 1.894 0.05833 .
## BLUEBOOK 1.275e-08 1.100e-08 1.159 0.24639
## TIF -5.561e-05 4.366e-05 -1.274 0.20281
## CAR_TYPEPanel Truck 3.868e-06 4.651e-06 0.831 0.40573
## CAR_TYPEPickup 4.999e-06 2.939e-06 1.701 0.08893 .
## CAR_TYPESports Car -3.646e-06 3.627e-06 -1.005 0.31479
## CAR_TYPESUV 2.894e-06 3.233e-06 0.895 0.37069
## CAR_TYPEVan -6.232e-06 3.642e-06 -1.711 0.08706 .
## RED_CARyes 2.053e-06 2.373e-06 0.865 0.38695
## OLDCLAIM 5.901e-09 7.753e-09 0.761 0.44665
## CLM_FREQ.L 1.847e-05 2.027e-04 0.091 0.92740
## CLM_FREQ.Q -2.316e-05 1.854e-04 -0.125 0.90058
## CLM_FREQ.C 2.212e-05 1.264e-04 0.175 0.86115
## CLM_FREQ^4 -9.476e-07 6.419e-05 -0.015 0.98822
## CLM_FREQ^5 4.482e-07 2.154e-05 0.021 0.98340
## REVOKEDYes -4.843e-06 2.850e-06 -1.700 0.08926 .
## MVR_PTS 1.531e-04 5.936e-05 2.579 0.00992 **
## CAR_AGE -4.174e-05 6.584e-06 -6.339 2.44e-10 ***
## URBANICITYHighly Urban/ Urban -4.807e-06 3.749e-06 -1.282 0.19980
## TARGET_AMT_log 1.002e+00 1.936e-05 51755.460 < 2e-16 ***
## AGE_log -5.332e-02 2.186e-02 -2.439 0.01473 *
## YOJ_log -5.125e-04 3.261e-04 -1.572 0.11605
## INCOME_log 5.100e-06 2.433e-06 2.096 0.03609 *
## HOME_VAL_log -6.447e-06 1.366e-05 -0.472 0.63707
## TRAVTIME_log -2.037e-03 5.862e-03 -0.347 0.72830
## BLUEBOOK_log -3.099e-04 2.307e-04 -1.343 0.17919
## TIF_log -2.068e-03 2.178e-03 -0.949 0.34249
## OLDCLAIM_log -3.566e-05 1.258e-04 -0.284 0.77675
## MVR_PTS_log 9.872e-04 3.653e-04 2.703 0.00689 **
## CAR_AGE_log -2.877e-05 2.974e-05 -0.968 0.33328
## TARGET_AMT_sqrt 5.570e-05 7.141e-07 77.993 < 2e-16 ***
## AGE_sqrt -5.475e-02 2.296e-02 -2.384 0.01713 *
## YOJ_sqrt 9.322e-04 4.900e-04 1.902 0.05715 .
## INCOME_sqrt 3.832e-08 5.624e-08 0.681 0.49563
## HOME_VAL_sqrt -1.777e-07 1.208e-06 -0.147 0.88305
## TRAVTIME_sqrt -2.360e-03 6.325e-03 -0.373 0.70906
## BLUEBOOK_sqrt -2.361e-05 1.880e-05 -1.256 0.20913
## TIF_sqrt -3.915e-04 1.140e-03 -0.343 0.73129
## OLDCLAIM_sqrt -6.179e-06 1.203e-05 -0.514 0.60739
## MVR_PTS_sqrt -2.036e-03 7.809e-04 -2.607 0.00915 **
## CAR_AGE_sqrt 1.036e-03 1.309e-04 7.914 2.82e-15 ***
## TARGET_AMT_cbrt -6.734e-04 7.782e-06 -86.537 < 2e-16 ***
## AGE_cbrt 1.808e-01 7.520e-02 2.404 0.01623 *
## YOJ_cbrt -5.091e-04 2.156e-04 -2.361 0.01825 *
## INCOME_cbrt -1.819e-06 8.641e-07 -2.106 0.03528 *
## HOME_VAL_cbrt 2.863e-06 1.084e-05 0.264 0.79170
## TRAVTIME_cbrt 7.474e-03 2.053e-02 0.364 0.71583
## BLUEBOOK_cbrt 1.907e-04 1.478e-04 1.290 0.19717
## TIF_cbrt 4.283e-03 5.454e-03 0.785 0.43233
## OLDCLAIM_cbrt 3.910e-05 9.047e-05 0.432 0.66565
## MVR_PTS_cbrt 1.197e-03 4.698e-04 2.548 0.01084 *
## CAR_AGE_cbrt -1.646e-03 2.044e-04 -8.051 9.41e-16 ***
## HV_INC_RATIO -1.024e-08 5.899e-08 -0.174 0.86222
## TRT_MVR_PRODUCT -5.440e-08 2.048e-08 -2.656 0.00792 **
## CAR_AGE_factModerate 8.760e-05 8.511e-06 10.293 < 2e-16 ***
## CAR_AGE_factOld 8.378e-05 9.594e-06 8.732 < 2e-16 ***
## HOME_VAL_factModerate -1.699e-06 3.822e-06 -0.444 0.65673
## HOME_VAL_factHigh 1.377e-06 7.667e-06 0.180 0.85746
## INCOME_factModerate 6.280e-06 3.809e-06 1.648 0.09930 .
## INCOME_factHigh 7.578e-06 6.075e-06 1.247 0.21227
## MVR_PTS_factModerate -1.801e-05 9.361e-06 -1.924 0.05442 .
## MVR_PTS_factHigh -1.893e-05 1.222e-05 -1.549 0.12134
## OLDCLAIM_factHigh 2.710e-06 4.693e-06 0.577 0.56362
## TIF_factModerate -6.256e-05 9.654e-05 -0.648 0.51701
## TIF_factHigh -7.690e-05 9.803e-05 -0.784 0.43279
## TRAVTIME_factModerate 3.142e-07 4.540e-06 0.069 0.94483
## TRAVTIME_factLong 1.198e-05 5.941e-06 2.017 0.04373 *
## YOJ_factModerate -7.612e-06 4.158e-06 -1.831 0.06717 .
## YOJ_factHigh -1.061e-05 6.356e-06 -1.669 0.09522 .
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for quasipoisson family taken to be 7.254006e-06)
##
## Null deviance: 4.3774e+07 on 8160 degrees of freedom
## Residual deviance: 5.8741e-02 on 8061 degrees of freedom
## AIC: NA
##
## Number of Fisher Scoring iterations: 25plot(model2)
Generate confidence intervals for regression slope
confint.default(model2)## 2.5 % 97.5 %
## (Intercept) -6.245190e+01 7.651168e+00
## TARGET_FLAG1 -7.759650e+00 6.234324e+01
## KIDSDRIV1 -8.505137e-06 3.993501e-06
## KIDSDRIV2 -1.264977e-05 4.082243e-06
## KIDSDRIV3 -3.741702e-05 -7.314558e-06
## KIDSDRIV4 -1.719571e-04 1.000678e-04
## AGE 7.435995e-05 8.795585e-04
## HOMEKIDS1 -2.998515e-06 1.072668e-05
## HOMEKIDS2 -4.874583e-06 8.738584e-06
## HOMEKIDS3 -2.093267e-06 1.384711e-05
## HOMEKIDS4 -1.194999e-05 1.169299e-05
## HOMEKIDS5 -4.265249e-05 3.186457e-05
## YOJ -1.261903e-04 1.518627e-06
## INCOME -1.638101e-10 4.008049e-10
## PARENT1Yes -2.944588e-06 9.948015e-06
## HOME_VAL -7.350422e-10 6.616911e-10
## MSTATUSYes -4.866522e-06 5.430950e-06
## SEXM -7.118758e-06 5.425708e-06
## EDUCATIONBachelors -8.940480e-06 3.973660e-06
## EDUCATIONHigh School -7.154393e-06 2.811985e-06
## EDUCATIONMasters -5.208539e-06 1.629301e-05
## EDUCATIONPhD -1.350952e-05 1.178749e-05
## JOBBlue Collar -3.276967e-06 1.775738e-05
## JOBClerical -9.393610e-06 1.274939e-05
## JOBDoctor -1.913352e-05 1.520170e-05
## JOBHome Maker -1.345027e-05 1.214537e-05
## JOBLawyer -8.851655e-06 1.004848e-05
## JOBManager -1.331340e-05 6.214846e-06
## JOBProfessional -1.634430e-05 3.875587e-06
## JOBStudent -1.890547e-05 7.988727e-06
## TRAVTIME -9.058075e-05 1.360741e-04
## CAR_USEPrivate -1.717482e-07 9.959970e-06
## BLUEBOOK -8.806306e-09 3.430521e-08
## TIF -1.411792e-04 2.996173e-05
## CAR_TYPEPanel Truck -5.249113e-06 1.298424e-05
## CAR_TYPEPickup -7.601205e-07 1.075883e-05
## CAR_TYPESports Car -1.075440e-05 3.462443e-06
## CAR_TYPESUV -3.442211e-06 9.230696e-06
## CAR_TYPEVan -1.336949e-05 9.054332e-07
## RED_CARyes -2.598006e-06 6.704499e-06
## OLDCLAIM -9.295759e-09 2.109710e-08
## CLM_FREQ.L -3.788115e-04 4.157486e-04
## CLM_FREQ.Q -3.864822e-04 3.401658e-04
## CLM_FREQ.C -2.256992e-04 2.699298e-04
## CLM_FREQ^4 -1.267523e-04 1.248571e-04
## CLM_FREQ^5 -4.177150e-05 4.266781e-05
## REVOKEDYes -1.042820e-05 7.421590e-07
## MVR_PTS 3.675300e-05 2.694583e-04
## CAR_AGE -5.463921e-05 -2.883095e-05
## URBANICITYHighly Urban/ Urban -1.215595e-05 2.541070e-06
## TARGET_AMT_log 1.002097e+00 1.002173e+00
## AGE_log -9.615732e-02 -1.047993e-02
## YOJ_log -1.151640e-03 1.265967e-04
## INCOME_log 3.316569e-07 9.868656e-06
## HOME_VAL_log -3.322721e-05 2.033351e-05
## TRAVTIME_log -1.352672e-02 9.453454e-03
## BLUEBOOK_log -7.619523e-04 1.422273e-04
## TIF_log -6.336863e-03 2.201356e-03
## OLDCLAIM_log -2.821246e-04 2.108081e-04
## MVR_PTS_log 2.713401e-04 1.703095e-03
## CAR_AGE_log -8.706034e-05 2.951153e-05
## TARGET_AMT_sqrt 5.429556e-05 5.709480e-05
## AGE_sqrt -9.976102e-02 -9.746478e-03
## YOJ_sqrt -2.817005e-05 1.892494e-03
## INCOME_sqrt -7.190305e-08 1.485454e-07
## HOME_VAL_sqrt -2.544952e-06 2.189600e-06
## TRAVTIME_sqrt -1.475611e-02 1.003619e-02
## BLUEBOOK_sqrt -6.045777e-05 1.323233e-05
## TIF_sqrt -2.625640e-03 1.842704e-03
## OLDCLAIM_sqrt -2.974933e-05 1.739106e-05
## MVR_PTS_sqrt -3.566483e-03 -5.052916e-04
## CAR_AGE_sqrt 7.793040e-04 1.292373e-03
## TARGET_AMT_cbrt -6.886878e-04 -6.581828e-04
## AGE_cbrt 3.340535e-02 3.281738e-01
## YOJ_cbrt -9.317713e-04 -8.647020e-05
## INCOME_cbrt -3.513052e-06 -1.257739e-07
## HOME_VAL_cbrt -1.838462e-05 2.411094e-05
## TRAVTIME_cbrt -3.276246e-02 4.770994e-02
## BLUEBOOK_cbrt -9.907873e-05 4.804331e-04
## TIF_cbrt -6.407037e-03 1.497271e-02
## OLDCLAIM_cbrt -1.382288e-04 2.164232e-04
## MVR_PTS_cbrt 2.763786e-04 2.117966e-03
## CAR_AGE_cbrt -2.046499e-03 -1.245135e-03
## HV_INC_RATIO -1.258631e-07 1.053857e-07
## TRT_MVR_PRODUCT -9.455101e-08 -1.425740e-08
## CAR_AGE_factModerate 7.091878e-05 1.042808e-04
## CAR_AGE_factOld 6.497581e-05 1.025852e-04
## HOME_VAL_factModerate -9.189705e-06 5.792285e-06
## HOME_VAL_factHigh -1.364955e-05 1.640365e-05
## INCOME_factModerate -1.186703e-06 1.374620e-05
## INCOME_factHigh -4.328530e-06 1.948462e-05
## MVR_PTS_factModerate -3.635529e-05 3.386158e-07
## MVR_PTS_factHigh -4.288338e-05 5.018041e-06
## OLDCLAIM_factHigh -6.488136e-06 1.190869e-05
## TIF_factModerate -2.517671e-04 1.266554e-04
## TIF_factHigh -2.690290e-04 1.152318e-04
## TRAVTIME_factModerate -8.584155e-06 9.212487e-06
## TRAVTIME_factLong 3.385005e-07 2.362596e-05
## YOJ_factModerate -1.576179e-05 5.371882e-07
## YOJ_factHigh -2.306347e-05 1.851386e-06Generate the odds ratios
exp(coef(model2))## (Intercept) TARGET_FLAG1
## 1.259426e-12 7.123207e+11
## KIDSDRIV1 KIDSDRIV2
## 9.999977e-01 9.999957e-01
## KIDSDRIV3 KIDSDRIV4
## 9.999776e-01 9.999641e-01
## AGE HOMEKIDS1
## 1.000477e+00 1.000004e+00
## HOMEKIDS2 HOMEKIDS3
## 1.000002e+00 1.000006e+00
## HOMEKIDS4 HOMEKIDS5
## 9.999999e-01 9.999946e-01
## YOJ INCOME
## 9.999377e-01 1.000000e+00
## PARENT1Yes HOME_VAL
## 1.000004e+00 1.000000e+00
## MSTATUSYes SEXM
## 1.000000e+00 9.999992e-01
## EDUCATIONBachelors EDUCATIONHigh School
## 9.999975e-01 9.999978e-01
## EDUCATIONMasters EDUCATIONPhD
## 1.000006e+00 9.999991e-01
## JOBBlue Collar JOBClerical
## 1.000007e+00 1.000002e+00
## JOBDoctor JOBHome Maker
## 9.999980e-01 9.999993e-01
## JOBLawyer JOBManager
## 1.000001e+00 9.999965e-01
## JOBProfessional JOBStudent
## 9.999938e-01 9.999945e-01
## TRAVTIME CAR_USEPrivate
## 1.000023e+00 1.000005e+00
## BLUEBOOK TIF
## 1.000000e+00 9.999444e-01
## CAR_TYPEPanel Truck CAR_TYPEPickup
## 1.000004e+00 1.000005e+00
## CAR_TYPESports Car CAR_TYPESUV
## 9.999964e-01 1.000003e+00
## CAR_TYPEVan RED_CARyes
## 9.999938e-01 1.000002e+00
## OLDCLAIM CLM_FREQ.L
## 1.000000e+00 1.000018e+00
## CLM_FREQ.Q CLM_FREQ.C
## 9.999768e-01 1.000022e+00
## CLM_FREQ^4 CLM_FREQ^5
## 9.999991e-01 1.000000e+00
## REVOKEDYes MVR_PTS
## 9.999952e-01 1.000153e+00
## CAR_AGE URBANICITYHighly Urban/ Urban
## 9.999583e-01 9.999952e-01
## TARGET_AMT_log AGE_log
## 2.724091e+00 9.480779e-01
## YOJ_log INCOME_log
## 9.994876e-01 1.000005e+00
## HOME_VAL_log TRAVTIME_log
## 9.999936e-01 9.979654e-01
## BLUEBOOK_log TIF_log
## 9.996902e-01 9.979344e-01
## OLDCLAIM_log MVR_PTS_log
## 9.999643e-01 1.000988e+00
## CAR_AGE_log TARGET_AMT_sqrt
## 9.999712e-01 1.000056e+00
## AGE_sqrt YOJ_sqrt
## 9.467182e-01 1.000933e+00
## INCOME_sqrt HOME_VAL_sqrt
## 1.000000e+00 9.999998e-01
## TRAVTIME_sqrt BLUEBOOK_sqrt
## 9.976428e-01 9.999764e-01
## TIF_sqrt OLDCLAIM_sqrt
## 9.996086e-01 9.999938e-01
## MVR_PTS_sqrt CAR_AGE_sqrt
## 9.979662e-01 1.001036e+00
## TARGET_AMT_cbrt AGE_cbrt
## 9.993268e-01 1.198163e+00
## YOJ_cbrt INCOME_cbrt
## 9.994910e-01 9.999982e-01
## HOME_VAL_cbrt TRAVTIME_cbrt
## 1.000003e+00 1.007502e+00
## BLUEBOOK_cbrt TIF_cbrt
## 1.000191e+00 1.004292e+00
## OLDCLAIM_cbrt MVR_PTS_cbrt
## 1.000039e+00 1.001198e+00
## CAR_AGE_cbrt HV_INC_RATIO
## 9.983555e-01 1.000000e+00
## TRT_MVR_PRODUCT CAR_AGE_factModerate
## 9.999999e-01 1.000088e+00
## CAR_AGE_factOld HOME_VAL_factModerate
## 1.000084e+00 9.999983e-01
## HOME_VAL_factHigh INCOME_factModerate
## 1.000001e+00 1.000006e+00
## INCOME_factHigh MVR_PTS_factModerate
## 1.000008e+00 9.999820e-01
## MVR_PTS_factHigh OLDCLAIM_factHigh
## 9.999811e-01 1.000003e+00
## TIF_factModerate TIF_factHigh
## 9.999374e-01 9.999231e-01
## TRAVTIME_factModerate TRAVTIME_factLong
## 1.000000e+00 1.000012e+00
## YOJ_factModerate YOJ_factHigh
## 9.999924e-01 9.999894e-01FULL Model
model3 <- glm(TARGET_AMT ~ ., data = df_ins)
summary(model3)##
## Call:
## glm(formula = TARGET_AMT ~ ., data = df_ins)
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -1132.9 -13.7 3.4 23.1 8679.9
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 7.867e+04 1.384e+05 0.568 0.56973
## TARGET_FLAG1 -2.256e+04 2.449e+02 -92.101 < 2e-16 ***
## KIDSDRIV1 -1.581e+00 9.878e+00 -0.160 0.87285
## KIDSDRIV2 -3.821e+00 1.389e+01 -0.275 0.78323
## KIDSDRIV3 7.446e+01 2.742e+01 2.716 0.00663 **
## KIDSDRIV4 1.290e+02 1.340e+02 0.963 0.33580
## AGE -3.806e+02 7.113e+02 -0.535 0.59259
## HOMEKIDS1 -1.562e+01 9.658e+00 -1.617 0.10583
## HOMEKIDS2 -2.174e+00 9.518e+00 -0.228 0.81934
## HOMEKIDS3 -7.377e+00 1.126e+01 -0.655 0.51232
## HOMEKIDS4 -1.719e+01 1.849e+01 -0.930 0.35257
## HOMEKIDS5 3.982e+01 5.928e+01 0.672 0.50181
## YOJ 2.863e+01 7.280e+01 0.393 0.69415
## INCOME 2.091e-05 3.244e-04 0.064 0.94861
## PARENT1Yes -9.569e+00 9.917e+00 -0.965 0.33458
## HOME_VAL -1.859e-05 3.598e-04 -0.052 0.95879
## MSTATUSYes 3.531e+00 7.115e+00 0.496 0.61977
## SEXM 7.727e+00 8.450e+00 0.914 0.36051
## EDUCATIONBachelors -1.268e+01 9.969e+00 -1.272 0.20335
## EDUCATIONHigh School -1.950e+00 8.039e+00 -0.243 0.80835
## EDUCATIONMasters -1.206e+01 1.436e+01 -0.840 0.40112
## EDUCATIONPhD -1.424e+01 1.678e+01 -0.848 0.39620
## JOBBlue Collar -3.312e+00 1.460e+01 -0.227 0.82059
## JOBClerical 1.537e+00 1.554e+01 0.099 0.92119
## JOBDoctor 1.763e+01 1.853e+01 0.951 0.34146
## JOBHome Maker 7.288e+00 1.791e+01 0.407 0.68406
## JOBLawyer -1.003e+00 1.338e+01 -0.075 0.94023
## JOBManager 1.278e+01 1.305e+01 0.979 0.32742
## JOBProfessional 1.859e+01 1.398e+01 1.329 0.18378
## JOBStudent 2.027e+01 1.888e+01 1.073 0.28309
## TRAVTIME -2.901e+01 8.265e+01 -0.351 0.72557
## CAR_USEPrivate -1.046e+01 7.471e+00 -1.400 0.16148
## BLUEBOOK -7.000e-03 3.062e-02 -0.229 0.81916
## TIF 8.356e+01 9.094e+01 0.919 0.35819
## CAR_TYPEPanel Truck -1.611e+00 1.303e+01 -0.124 0.90161
## CAR_TYPEPickup -7.796e+00 7.924e+00 -0.984 0.32523
## CAR_TYPESports Car 6.378e+00 1.014e+01 0.629 0.52923
## CAR_TYPESUV -7.754e+00 8.323e+00 -0.932 0.35160
## CAR_TYPEVan 1.010e+01 9.717e+00 1.040 0.29844
## RED_CARyes -1.180e+01 6.761e+00 -1.745 0.08099 .
## OLDCLAIM -4.297e-02 2.604e-02 -1.650 0.09892 .
## CLM_FREQ.L -7.293e+02 6.930e+02 -1.052 0.29264
## CLM_FREQ.Q 6.889e+02 6.320e+02 1.090 0.27574
## CLM_FREQ.C -4.626e+02 4.324e+02 -1.070 0.28472
## CLM_FREQ^4 2.314e+02 2.187e+02 1.058 0.29010
## CLM_FREQ^5 -6.713e+01 7.360e+01 -0.912 0.36171
## REVOKEDYes -5.283e-01 8.144e+00 -0.065 0.94827
## MVR_PTS -2.270e+02 2.343e+02 -0.969 0.33261
## CAR_AGE 1.327e+01 1.166e+01 1.137 0.25543
## URBANICITYHighly Urban/ Urban -1.596e+00 6.612e+00 -0.241 0.80928
## TARGET_AMT_log 1.096e+04 6.933e+01 158.073 < 2e-16 ***
## AGE_log 4.272e+04 7.793e+04 0.548 0.58355
## YOJ_log 2.306e+02 6.817e+02 0.338 0.73520
## INCOME_log -1.347e+00 6.324e+00 -0.213 0.83134
## HOME_VAL_log -1.809e-01 1.441e+01 -0.013 0.98999
## TRAVTIME_log 2.562e+03 8.664e+03 0.296 0.76746
## BLUEBOOK_log 4.124e+01 6.382e+02 0.065 0.94847
## TIF_log 1.043e+03 5.805e+03 0.180 0.85739
## OLDCLAIM_log 5.468e+02 4.287e+02 1.275 0.20219
## MVR_PTS_log -1.359e+03 1.396e+03 -0.974 0.33026
## CAR_AGE_log 9.087e+01 7.120e+01 1.276 0.20187
## TARGET_AMT_sqrt 1.354e+03 3.664e+00 369.607 < 2e-16 ***
## AGE_sqrt 4.377e+04 8.079e+04 0.542 0.58797
## YOJ_sqrt -4.447e+02 1.085e+03 -0.410 0.68182
## INCOME_sqrt -3.753e-03 1.596e-01 -0.024 0.98125
## HOME_VAL_sqrt 1.508e-02 1.023e+00 0.015 0.98825
## TRAVTIME_sqrt 2.947e+03 9.242e+03 0.319 0.74984
## BLUEBOOK_sqrt 7.539e+00 5.221e+01 0.144 0.88519
## TIF_sqrt -1.020e+03 3.646e+03 -0.280 0.77969
## OLDCLAIM_sqrt 6.059e+01 4.075e+01 1.487 0.13710
## MVR_PTS_sqrt 2.968e+03 3.044e+03 0.975 0.32955
## CAR_AGE_sqrt -3.283e+02 2.052e+02 -1.600 0.10973
## TARGET_AMT_cbrt -9.457e+03 3.571e+01 -264.851 < 2e-16 ***
## AGE_cbrt -1.446e+05 2.658e+05 -0.544 0.58638
## YOJ_cbrt 2.609e+02 5.186e+02 0.503 0.61493
## INCOME_cbrt 4.799e-01 2.256e+00 0.213 0.83155
## HOME_VAL_cbrt 1.318e-01 9.494e+00 0.014 0.98893
## TRAVTIME_cbrt -9.339e+03 3.015e+04 -0.310 0.75673
## BLUEBOOK_cbrt -4.908e+01 4.103e+02 -0.120 0.90478
## TIF_cbrt -2.930e+02 1.564e+04 -0.019 0.98505
## OLDCLAIM_cbrt -4.374e+02 3.074e+02 -1.423 0.15479
## MVR_PTS_cbrt -1.805e+03 1.847e+03 -0.977 0.32847
## CAR_AGE_cbrt 4.384e+02 2.768e+02 1.584 0.11320
## HV_INC_RATIO -1.535e-02 3.394e-02 -0.452 0.65104
## TRT_MVR_PRODUCT 1.840e-01 6.709e-02 2.743 0.00610 **
## CAR_AGE_factModerate -6.434e+01 2.279e+01 -2.823 0.00476 **
## CAR_AGE_factOld -6.984e+01 2.526e+01 -2.765 0.00571 **
## HOME_VAL_factModerate -5.735e+00 1.072e+01 -0.535 0.59281
## HOME_VAL_factHigh -1.366e+00 1.854e+01 -0.074 0.94127
## INCOME_factModerate -6.445e-01 1.120e+01 -0.058 0.95411
## INCOME_factHigh -3.608e+00 1.645e+01 -0.219 0.82636
## MVR_PTS_factModerate -1.063e+00 2.885e+01 -0.037 0.97060
## MVR_PTS_factHigh -1.696e+01 3.642e+01 -0.466 0.64147
## OLDCLAIM_factHigh 8.811e+00 1.602e+01 0.550 0.58226
## TIF_factModerate -8.330e+00 2.943e+02 -0.028 0.97742
## TIF_factHigh 1.477e+01 2.947e+02 0.050 0.96004
## TRAVTIME_factModerate 5.386e-01 1.210e+01 0.045 0.96451
## TRAVTIME_factLong -1.398e+01 1.687e+01 -0.829 0.40719
## YOJ_factModerate 6.685e+00 1.174e+01 0.569 0.56911
## YOJ_factHigh 1.570e+01 1.737e+01 0.903 0.36636
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for gaussian family taken to be 41941.44)
##
## Null deviance: 1.8056e+11 on 8160 degrees of freedom
## Residual deviance: 3.3809e+08 on 8061 degrees of freedom
## AIC: 110127
##
## Number of Fisher Scoring iterations: 2plot(model3)
Generate confidence intervals for regression slope
confint.default(model3)## 2.5 % 97.5 %
## (Intercept) -1.925637e+05 3.498993e+05
## TARGET_FLAG1 -2.303920e+04 -2.207906e+04
## KIDSDRIV1 -2.094198e+01 1.777995e+01
## KIDSDRIV2 -3.104312e+01 2.340078e+01
## KIDSDRIV3 2.071771e+01 1.281965e+02
## KIDSDRIV4 -1.336590e+02 3.916405e+02
## AGE -1.774855e+03 1.013560e+03
## HOMEKIDS1 -3.454996e+01 3.308552e+00
## HOMEKIDS2 -2.082841e+01 1.648057e+01
## HOMEKIDS3 -2.944131e+01 1.468794e+01
## HOMEKIDS4 -5.342879e+01 1.905017e+01
## HOMEKIDS5 -7.636655e+01 1.559973e+02
## YOJ -1.140502e+02 1.713041e+02
## INCOME -6.148520e-04 6.566676e-04
## PARENT1Yes -2.900529e+01 9.866754e+00
## HOME_VAL -7.237617e-04 6.865794e-04
## MSTATUSYes -1.041502e+01 1.747616e+01
## SEXM -8.834864e+00 2.428939e+01
## EDUCATIONBachelors -3.222195e+01 6.856797e+00
## EDUCATIONHigh School -1.770627e+01 1.380633e+01
## EDUCATIONMasters -4.020948e+01 1.609024e+01
## EDUCATIONPhD -4.713488e+01 1.865449e+01
## JOBBlue Collar -3.193146e+01 2.530806e+01
## JOBClerical -2.892126e+01 3.199616e+01
## JOBDoctor -1.868713e+01 5.393847e+01
## JOBHome Maker -2.781118e+01 4.238620e+01
## JOBLawyer -2.722373e+01 2.521750e+01
## JOBManager -1.279696e+01 3.835919e+01
## JOBProfessional -8.817715e+00 4.598975e+01
## JOBStudent -1.673673e+01 5.727098e+01
## TRAVTIME -1.909993e+02 1.329742e+02
## CAR_USEPrivate -2.510451e+01 4.181626e+00
## BLUEBOOK -6.700415e-02 5.300474e-02
## TIF -9.467481e+01 2.617955e+02
## CAR_TYPEPanel Truck -2.714446e+01 2.392321e+01
## CAR_TYPEPickup -2.332650e+01 7.734839e+00
## CAR_TYPESports Car -1.348841e+01 2.624362e+01
## CAR_TYPESUV -2.406687e+01 8.559849e+00
## CAR_TYPEVan -8.940486e+00 2.914801e+01
## RED_CARyes -2.505029e+01 1.451944e+00
## OLDCLAIM -9.400835e-02 8.063341e-03
## CLM_FREQ.L -2.087590e+03 6.289298e+02
## CLM_FREQ.Q -5.498173e+02 1.927609e+03
## CLM_FREQ.C -1.310071e+03 3.848764e+02
## CLM_FREQ^4 -1.972539e+02 6.599750e+02
## CLM_FREQ^5 -2.113845e+02 7.711733e+01
## REVOKEDYes -1.648948e+01 1.543278e+01
## MVR_PTS -6.861094e+02 2.321535e+02
## CAR_AGE -9.595427e+00 3.612862e+01
## URBANICITYHighly Urban/ Urban -1.455464e+01 1.136301e+01
## TARGET_AMT_log 1.082399e+04 1.109578e+04
## AGE_log -1.100184e+05 1.954652e+05
## YOJ_log -1.105599e+03 1.566758e+03
## INCOME_log -1.374152e+01 1.104767e+01
## HOME_VAL_log -2.843088e+01 2.806912e+01
## TRAVTIME_log -1.441962e+04 1.954381e+04
## BLUEBOOK_log -1.209542e+03 1.292031e+03
## TIF_log -1.033487e+04 1.242138e+04
## OLDCLAIM_log -2.934712e+02 1.387072e+03
## MVR_PTS_log -4.094505e+03 1.376603e+03
## CAR_AGE_log -4.866994e+01 2.304125e+02
## TARGET_AMT_sqrt 1.346908e+03 1.361269e+03
## AGE_sqrt -1.145722e+05 2.021145e+05
## YOJ_sqrt -2.570497e+03 1.681127e+03
## INCOME_sqrt -3.166287e-01 3.091236e-01
## HOME_VAL_sqrt -1.990941e+00 2.021093e+00
## TRAVTIME_sqrt -1.516710e+04 2.106108e+04
## BLUEBOOK_sqrt -9.479862e+01 1.098772e+02
## TIF_sqrt -8.165447e+03 6.125740e+03
## OLDCLAIM_sqrt -1.928006e+01 1.404562e+02
## MVR_PTS_sqrt -2.998251e+03 8.935102e+03
## CAR_AGE_sqrt -7.305555e+02 7.396035e+01
## TARGET_AMT_cbrt -9.526980e+03 -9.387011e+03
## AGE_cbrt -6.656960e+05 3.763973e+05
## YOJ_cbrt -7.554878e+02 1.277224e+03
## INCOME_cbrt -3.941828e+00 4.901613e+00
## HOME_VAL_cbrt -1.847689e+01 1.874047e+01
## TRAVTIME_cbrt -6.842660e+04 4.974786e+04
## BLUEBOOK_cbrt -8.531932e+02 7.550367e+02
## TIF_cbrt -3.094017e+04 3.035423e+04
## OLDCLAIM_cbrt -1.039914e+03 1.650831e+02
## MVR_PTS_cbrt -5.423598e+03 1.814560e+03
## CAR_AGE_cbrt -1.040134e+02 9.808714e+02
## HV_INC_RATIO -8.188152e-02 5.117406e-02
## TRT_MVR_PRODUCT 5.253364e-02 3.155374e-01
## CAR_AGE_factModerate -1.090119e+02 -1.967750e+01
## CAR_AGE_factOld -1.193539e+02 -2.033327e+01
## HOME_VAL_factModerate -2.675352e+01 1.528336e+01
## HOME_VAL_factHigh -3.771355e+01 3.498103e+01
## INCOME_factModerate -2.259430e+01 2.130530e+01
## INCOME_factHigh -3.584403e+01 2.862778e+01
## MVR_PTS_factModerate -5.759876e+01 5.547255e+01
## MVR_PTS_factHigh -8.832946e+01 5.441548e+01
## OLDCLAIM_factHigh -2.258170e+01 4.020370e+01
## TIF_factModerate -5.852144e+02 5.685549e+02
## TIF_factHigh -5.627902e+02 5.923217e+02
## TRAVTIME_factModerate -2.318121e+01 2.425833e+01
## TRAVTIME_factLong -4.703444e+01 1.907550e+01
## YOJ_factModerate -1.632510e+01 2.969426e+01
## YOJ_factHigh -1.835762e+01 4.974789e+01Generate the odds ratios
exp(coef(model3))## (Intercept) TARGET_FLAG1
## Inf 0.000000e+00
## KIDSDRIV1 KIDSDRIV2
## 2.057658e-01 2.190217e-02
## KIDSDRIV3 KIDSDRIV4
## 2.169195e+32 1.047055e+56
## AGE HOMEKIDS1
## 4.863847e-166 1.644424e-07
## HOMEKIDS2 HOMEKIDS3
## 1.137310e-01 6.256720e-04
## HOMEKIDS4 HOMEKIDS5
## 3.425924e-08 1.956997e+17
## YOJ INCOME
## 2.707225e+12 1.000021e+00
## PARENT1Yes HOME_VAL
## 6.984265e-05 9.999814e-01
## MSTATUSYes SEXM
## 3.414331e+01 2.269379e+03
## EDUCATIONBachelors EDUCATIONHigh School
## 3.104748e-06 1.422783e-01
## EDUCATIONMasters EDUCATIONPhD
## 5.788614e-06 6.539771e-07
## JOBBlue Collar JOBClerical
## 3.645420e-02 4.652730e+00
## JOBDoctor JOBHome Maker
## 4.515763e+07 1.461928e+03
## JOBLawyer JOBManager
## 3.667349e-01 3.554400e+05
## JOBProfessional JOBStudent
## 1.179788e+08 6.337253e+08
## TRAVTIME CAR_USEPrivate
## 2.511932e-13 2.861893e-05
## BLUEBOOK TIF
## 9.930247e-01 1.948969e+36
## CAR_TYPEPanel Truck CAR_TYPEPickup
## 1.997620e-01 4.114466e-04
## CAR_TYPESports Car CAR_TYPESUV
## 5.885161e+02 4.292333e-04
## CAR_TYPEVan RED_CARyes
## 2.443481e+04 7.510764e-06
## OLDCLAIM CLM_FREQ.L
## 9.579377e-01 1.802445e-317
## CLM_FREQ.Q CLM_FREQ.C
## 1.525998e+299 1.249019e-201
## CLM_FREQ^4 CLM_FREQ^5
## 3.010266e+100 6.986405e-30
## REVOKEDYes MVR_PTS
## 5.895789e-01 2.659090e-99
## CAR_AGE URBANICITYHighly Urban/ Urban
## 5.775764e+05 2.027432e-01
## TARGET_AMT_log AGE_log
## Inf Inf
## YOJ_log INCOME_log
## 1.378090e+100 2.600386e-01
## HOME_VAL_log TRAVTIME_log
## 8.345385e-01 Inf
## BLUEBOOK_log TIF_log
## 8.173200e+17 Inf
## OLDCLAIM_log MVR_PTS_log
## 2.966838e+237 0.000000e+00
## CAR_AGE_log TARGET_AMT_sqrt
## 2.916757e+39 Inf
## AGE_sqrt YOJ_sqrt
## Inf 7.512458e-194
## INCOME_sqrt HOME_VAL_sqrt
## 9.962545e-01 1.015191e+00
## TRAVTIME_sqrt BLUEBOOK_sqrt
## Inf 1.880534e+03
## TIF_sqrt OLDCLAIM_sqrt
## 0.000000e+00 2.056228e+26
## MVR_PTS_sqrt CAR_AGE_sqrt
## Inf 2.643468e-143
## TARGET_AMT_cbrt AGE_cbrt
## 0.000000e+00 0.000000e+00
## YOJ_cbrt INCOME_cbrt
## 1.966162e+113 1.615900e+00
## HOME_VAL_cbrt TRAVTIME_cbrt
## 1.140866e+00 0.000000e+00
## BLUEBOOK_cbrt TIF_cbrt
## 4.848400e-22 5.822007e-128
## OLDCLAIM_cbrt MVR_PTS_cbrt
## 1.078693e-190 0.000000e+00
## CAR_AGE_cbrt HV_INC_RATIO
## 2.554402e+190 9.847635e-01
## TRT_MVR_PRODUCT CAR_AGE_factModerate
## 1.202059e+00 1.136200e-28
## CAR_AGE_factOld HOME_VAL_factModerate
## 4.648644e-31 3.230615e-03
## HOME_VAL_factHigh INCOME_factModerate
## 2.550590e-01 5.249244e-01
## INCOME_factHigh MVR_PTS_factModerate
## 2.710264e-02 3.453818e-01
## MVR_PTS_factHigh OLDCLAIM_factHigh
## 4.321868e-08 6.707609e+03
## TIF_factModerate TIF_factHigh
## 2.412302e-04 2.586319e+06
## TRAVTIME_factModerate TRAVTIME_factLong
## 1.713537e+00 8.487748e-07
## YOJ_factModerate YOJ_factHigh
## 7.999735e+02 6.551045e+06I will select the variables using the stepwise method
The ‘stepAIC’ function in R performs a stepwise model selection with an objective to minimize the AIC value.
backward
stepWise_b <- stepAIC(model3, direction = "backward")## Start: AIC=110127.2
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + HOMEKIDS + YOJ +
## INCOME + PARENT1 + HOME_VAL + MSTATUS + SEX + EDUCATION +
## JOB + TRAVTIME + CAR_USE + BLUEBOOK + TIF + CAR_TYPE + RED_CAR +
## OLDCLAIM + CLM_FREQ + REVOKED + MVR_PTS + CAR_AGE + URBANICITY +
## TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log + HOME_VAL_log +
## TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log + MVR_PTS_log +
## CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt + YOJ_sqrt + INCOME_sqrt +
## HOME_VAL_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt +
## OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt +
## AGE_cbrt + YOJ_cbrt + INCOME_cbrt + HOME_VAL_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact +
## HOME_VAL_fact + INCOME_fact + MVR_PTS_fact + OLDCLAIM_fact +
## TIF_fact + TRAVTIME_fact + YOJ_fact
##
## Df Deviance AIC
## - HOMEKIDS 5 338263861 110121
## - EDUCATION 4 338188781 110122
## - JOB 8 338543489 110122
## - CLM_FREQ 5 338320597 110123
## - INCOME_fact 2 338093930 110123
## - CAR_TYPE 5 338354044 110124
## - HOME_VAL_fact 2 338109739 110124
## - YOJ_fact 2 338127643 110124
## - MVR_PTS_fact 2 338133942 110124
## - HOME_VAL_log 1 338089961 110125
## - HOME_VAL_cbrt 1 338089962 110125
## - HOME_VAL_sqrt 1 338089963 110125
## - TIF_cbrt 1 338089969 110125
## - INCOME_sqrt 1 338089977 110125
## - HOME_VAL 1 338090066 110125
## - INCOME 1 338090128 110125
## - BLUEBOOK_log 1 338090129 110125
## - REVOKED 1 338090130 110125
## - BLUEBOOK_cbrt 1 338090554 110125
## - BLUEBOOK_sqrt 1 338090828 110125
## - TIF_log 1 338091308 110125
## - TRAVTIME_fact 2 338174485 110125
## - TIF_fact 2 338174587 110125
## - INCOME_cbrt 1 338091852 110125
## - INCOME_log 1 338091857 110125
## - BLUEBOOK 1 338092146 110125
## - URBANICITY 1 338092397 110125
## - TIF_sqrt 1 338093236 110125
## - TRAVTIME_log 1 338093621 110125
## - TRAVTIME_cbrt 1 338093979 110125
## - TRAVTIME_sqrt 1 338094218 110125
## - YOJ_log 1 338094752 110125
## - TRAVTIME 1 338095122 110125
## - YOJ 1 338096440 110125
## - YOJ_sqrt 1 338097004 110125
## - HV_INC_RATIO 1 338098535 110125
## - MSTATUS 1 338100280 110125
## - YOJ_cbrt 1 338100568 110125
## - AGE 1 338101964 110126
## - AGE_sqrt 1 338102266 110126
## - AGE_cbrt 1 338102371 110126
## - AGE_log 1 338102559 110126
## - OLDCLAIM_fact 1 338102646 110126
## - SEX 1 338125026 110126
## - TIF 1 338125366 110126
## - PARENT1 1 338129009 110126
## - MVR_PTS 1 338129330 110126
## - MVR_PTS_log 1 338129715 110126
## - MVR_PTS_sqrt 1 338129831 110126
## - MVR_PTS_cbrt 1 338130010 110126
## - CAR_AGE 1 338144208 110127
## - OLDCLAIM_log 1 338158181 110127
## - CAR_AGE_log 1 338158280 110127
## - CAR_USE 1 338172189 110127
## <none> 338089954 110127
## - OLDCLAIM_cbrt 1 338174875 110127
## - OLDCLAIM_sqrt 1 338182673 110127
## - CAR_AGE_cbrt 1 338195206 110128
## - CAR_AGE_sqrt 1 338197270 110128
## - KIDSDRIV 4 338452816 110128
## - OLDCLAIM 1 338204181 110128
## - RED_CAR 1 338217697 110128
## - CAR_AGE_fact 2 338433715 110132
## - TRT_MVR_PRODUCT 1 338405512 110133
## - TARGET_FLAG 1 693865843 115993
## - TARGET_AMT_log 1 1386079727 121640
## - TARGET_AMT_cbrt 1 3280108395 128670
## - TARGET_AMT_sqrt 1 6067684652 133689
##
## Step: AIC=110121.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + EDUCATION + JOB + TRAVTIME + CAR_USE +
## BLUEBOOK + TIF + CAR_TYPE + RED_CAR + OLDCLAIM + CLM_FREQ +
## REVOKED + MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + HOME_VAL_log + TRAVTIME_log +
## BLUEBOOK_log + TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log +
## TARGET_AMT_sqrt + AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt +
## YOJ_cbrt + INCOME_cbrt + HOME_VAL_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact +
## HOME_VAL_fact + INCOME_fact + MVR_PTS_fact + OLDCLAIM_fact +
## TIF_fact + TRAVTIME_fact + YOJ_fact
##
## Df Deviance AIC
## - EDUCATION 4 338360497 110116
## - JOB 8 338710952 110116
## - CLM_FREQ 5 338486691 110117
## - INCOME_fact 2 338267427 110118
## - HOME_VAL_fact 2 338283281 110118
## - CAR_TYPE 5 338537289 110118
## - YOJ_fact 2 338302142 110118
## - MVR_PTS_fact 2 338306425 110118
## - TIF_cbrt 1 338263862 110119
## - HOME_VAL_sqrt 1 338263863 110119
## - REVOKED 1 338263868 110119
## - TIF_fact 2 338346800 110119
## - INCOME_sqrt 1 338263901 110119
## - HOME_VAL_cbrt 1 338263910 110119
## - HOME_VAL_log 1 338263956 110119
## - BLUEBOOK_log 1 338263975 110119
## - HOME_VAL 1 338264035 110119
## - INCOME 1 338264229 110119
## - BLUEBOOK_cbrt 1 338264334 110119
## - BLUEBOOK_sqrt 1 338264575 110119
## - TIF_log 1 338264985 110119
## - INCOME_log 1 338265271 110119
## - INCOME_cbrt 1 338265273 110119
## - BLUEBOOK 1 338265761 110119
## - MSTATUS 1 338265823 110119
## - TRAVTIME_fact 2 338348909 110119
## - URBANICITY 1 338266113 110119
## - TRAVTIME_log 1 338266911 110119
## - TRAVTIME_cbrt 1 338267242 110120
## - YOJ_log 1 338267313 110120
## - TIF_sqrt 1 338267319 110120
## - TRAVTIME_sqrt 1 338267463 110120
## - TRAVTIME 1 338268300 110120
## - YOJ 1 338268345 110120
## - YOJ_sqrt 1 338268931 110120
## - AGE_cbrt 1 338271174 110120
## - AGE_sqrt 1 338271176 110120
## - AGE_log 1 338271188 110120
## - AGE 1 338271242 110120
## - YOJ_cbrt 1 338271625 110120
## - HV_INC_RATIO 1 338272062 110120
## - OLDCLAIM_fact 1 338276933 110120
## - TIF 1 338297627 110120
## - MVR_PTS 1 338302026 110120
## - MVR_PTS_log 1 338302242 110120
## - MVR_PTS_sqrt 1 338302451 110120
## - MVR_PTS_cbrt 1 338302675 110120
## - SEX 1 338305448 110120
## - CAR_AGE 1 338308302 110120
## - CAR_AGE_log 1 338312967 110121
## - OLDCLAIM_log 1 338326525 110121
## - OLDCLAIM_cbrt 1 338342965 110121
## <none> 338263861 110121
## - CAR_USE 1 338346936 110121
## - OLDCLAIM_sqrt 1 338350629 110122
## - CAR_AGE_sqrt 1 338360314 110122
## - CAR_AGE_cbrt 1 338368500 110122
## - OLDCLAIM 1 338371825 110122
## - KIDSDRIV 4 338629635 110122
## - RED_CAR 1 338386742 110122
## - PARENT1 1 338392070 110123
## - CAR_AGE_fact 2 338599407 110126
## - TRT_MVR_PRODUCT 1 338578864 110127
## - TARGET_FLAG 1 694592157 115991
## - TARGET_AMT_log 1 1387625877 121639
## - TARGET_AMT_cbrt 1 3283619929 128668
## - TARGET_AMT_sqrt 1 6073830089 133688
##
## Step: AIC=110115.8
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + JOB + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + CAR_TYPE + RED_CAR + OLDCLAIM + CLM_FREQ + REVOKED +
## MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log + AGE_log +
## YOJ_log + INCOME_log + HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + HOME_VAL_fact + INCOME_fact +
## MVR_PTS_fact + OLDCLAIM_fact + TIF_fact + TRAVTIME_fact +
## YOJ_fact
##
## Df Deviance AIC
## - JOB 8 338772105 110110
## - CLM_FREQ 5 338583147 110111
## - INCOME_fact 2 338363353 110112
## - CAR_TYPE 5 338631286 110112
## - HOME_VAL_fact 2 338383420 110112
## - YOJ_fact 2 338399260 110113
## - MVR_PTS_fact 2 338404027 110113
## - TIF_fact 2 338441312 110114
## - REVOKED 1 338360498 110114
## - TIF_cbrt 1 338360501 110114
## - HOME_VAL 1 338360501 110114
## - INCOME_log 1 338360547 110114
## - INCOME_cbrt 1 338360553 110114
## - INCOME_sqrt 1 338360622 110114
## - BLUEBOOK_log 1 338360705 110114
## - HOME_VAL_sqrt 1 338360866 110114
## - BLUEBOOK_cbrt 1 338361131 110114
## - HOME_VAL_log 1 338361139 110114
## - HOME_VAL_cbrt 1 338361213 110114
## - BLUEBOOK_sqrt 1 338361396 110114
## - TIF_log 1 338361651 110114
## - INCOME 1 338361806 110114
## - TRAVTIME_fact 2 338444999 110114
## - BLUEBOOK 1 338362646 110114
## - TRAVTIME_log 1 338362864 110114
## - TRAVTIME_cbrt 1 338363163 110114
## - TRAVTIME_sqrt 1 338363365 110114
## - MSTATUS 1 338363494 110114
## - TIF_sqrt 1 338363761 110114
## - YOJ_log 1 338363886 110114
## - URBANICITY 1 338363936 110114
## - TRAVTIME 1 338364142 110114
## - YOJ 1 338364874 110114
## - YOJ_sqrt 1 338365443 110114
## - AGE_cbrt 1 338367192 110114
## - AGE_log 1 338367196 110114
## - AGE_sqrt 1 338367201 110114
## - AGE 1 338367291 110114
## - YOJ_cbrt 1 338367989 110114
## - HV_INC_RATIO 1 338368705 110114
## - OLDCLAIM_fact 1 338372435 110114
## - TIF 1 338393417 110115
## - MVR_PTS 1 338400029 110115
## - MVR_PTS_log 1 338400169 110115
## - MVR_PTS_sqrt 1 338400407 110115
## - MVR_PTS_cbrt 1 338400639 110115
## - SEX 1 338401565 110115
## - CAR_AGE_log 1 338413177 110115
## - OLDCLAIM_log 1 338421430 110115
## - CAR_USE 1 338428313 110115
## - CAR_AGE 1 338428632 110115
## - OLDCLAIM_cbrt 1 338437642 110116
## <none> 338360497 110116
## - OLDCLAIM_sqrt 1 338445266 110116
## - OLDCLAIM 1 338466549 110116
## - RED_CAR 1 338485967 110117
## - KIDSDRIV 4 338735179 110117
## - PARENT1 1 338490219 110117
## - CAR_AGE_sqrt 1 338490658 110117
## - CAR_AGE_cbrt 1 338494954 110117
## - CAR_AGE_fact 2 338657859 110119
## - TRT_MVR_PRODUCT 1 338683107 110122
## - TARGET_FLAG 1 694841845 115986
## - TARGET_AMT_log 1 1388167745 121634
## - TARGET_AMT_cbrt 1 3285169340 128664
## - TARGET_AMT_sqrt 1 6076955777 133684
##
## Step: AIC=110109.7
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + CAR_TYPE + RED_CAR + OLDCLAIM + CLM_FREQ + REVOKED +
## MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log + AGE_log +
## YOJ_log + INCOME_log + HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + HOME_VAL_fact + INCOME_fact +
## MVR_PTS_fact + OLDCLAIM_fact + TIF_fact + TRAVTIME_fact +
## YOJ_fact
##
## Df Deviance AIC
## - CLM_FREQ 5 338992543 110105
## - INCOME_fact 2 338772526 110106
## - CAR_TYPE 5 339026803 110106
## - HOME_VAL_fact 2 338784215 110106
## - YOJ_fact 2 338809226 110107
## - MVR_PTS_fact 2 338818323 110107
## - TIF_fact 2 338848259 110108
## - HOME_VAL 1 338772106 110108
## - REVOKED 1 338772106 110108
## - TIF_cbrt 1 338772134 110108
## - INCOME_cbrt 1 338772628 110108
## - HOME_VAL_sqrt 1 338772670 110108
## - INCOME_log 1 338772707 110108
## - BLUEBOOK_log 1 338772720 110108
## - TIF_log 1 338772740 110108
## - URBANICITY 1 338772935 110108
## - HOME_VAL_cbrt 1 338773293 110108
## - BLUEBOOK_cbrt 1 338773451 110108
## - TRAVTIME_fact 2 338856596 110108
## - TRAVTIME_log 1 338773787 110108
## - BLUEBOOK_sqrt 1 338773865 110108
## - HOME_VAL_log 1 338773923 110108
## - TRAVTIME_cbrt 1 338774031 110108
## - TRAVTIME_sqrt 1 338774195 110108
## - INCOME_sqrt 1 338774548 110108
## - TRAVTIME 1 338774824 110108
## - BLUEBOOK 1 338775612 110108
## - TIF_sqrt 1 338775886 110108
## - AGE_sqrt 1 338779030 110108
## - AGE_cbrt 1 338779038 110108
## - AGE 1 338779062 110108
## - AGE_log 1 338779068 110108
## - YOJ_log 1 338779583 110108
## - MSTATUS 1 338779893 110108
## - INCOME 1 338780370 110108
## - YOJ 1 338780459 110108
## - YOJ_sqrt 1 338781252 110108
## - HV_INC_RATIO 1 338781994 110108
## - YOJ_cbrt 1 338783291 110108
## - OLDCLAIM_fact 1 338784956 110108
## - TIF 1 338800717 110108
## - CAR_USE 1 338813117 110109
## - MVR_PTS 1 338813664 110109
## - MVR_PTS_log 1 338814076 110109
## - MVR_PTS_sqrt 1 338814175 110109
## - MVR_PTS_cbrt 1 338814354 110109
## - SEX 1 338816243 110109
## - CAR_AGE_log 1 338820860 110109
## - CAR_AGE 1 338821060 110109
## - OLDCLAIM_log 1 338830479 110109
## - OLDCLAIM_cbrt 1 338845621 110109
## - OLDCLAIM_sqrt 1 338852664 110110
## <none> 338772105 110110
## - OLDCLAIM 1 338872276 110110
## - CAR_AGE_sqrt 1 338879722 110110
## - RED_CAR 1 338884306 110110
## - CAR_AGE_cbrt 1 338886705 110110
## - PARENT1 1 338899626 110111
## - KIDSDRIV 4 339170369 110111
## - CAR_AGE_fact 2 339078614 110113
## - TRT_MVR_PRODUCT 1 339088575 110115
## - TARGET_FLAG 1 696075210 115985
## - TARGET_AMT_log 1 1390220120 121630
## - TARGET_AMT_cbrt 1 3289401022 128659
## - TARGET_AMT_sqrt 1 6084394166 133678
##
## Step: AIC=110105
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + CAR_TYPE + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS +
## CAR_AGE + URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log +
## INCOME_log + HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + HOME_VAL_fact + INCOME_fact +
## MVR_PTS_fact + OLDCLAIM_fact + TIF_fact + TRAVTIME_fact +
## YOJ_fact
##
## Df Deviance AIC
## - INCOME_fact 2 338993200 110101
## - CAR_TYPE 5 339249075 110101
## - HOME_VAL_fact 2 339004801 110101
## - YOJ_fact 2 339033327 110102
## - MVR_PTS_fact 2 339043137 110102
## - TIF_fact 2 339068577 110103
## - TRAVTIME_fact 2 339074421 110103
## - HOME_VAL 1 338992557 110103
## - OLDCLAIM_fact 1 338992576 110103
## - TIF_cbrt 1 338992600 110103
## - REVOKED 1 338992689 110103
## - TIF_log 1 338993047 110103
## - HOME_VAL_sqrt 1 338993097 110103
## - INCOME_cbrt 1 338993245 110103
## - INCOME_log 1 338993339 110103
## - BLUEBOOK_log 1 338993439 110103
## - URBANICITY 1 338993649 110103
## - HOME_VAL_cbrt 1 338993942 110103
## - TRAVTIME_log 1 338994018 110103
## - TRAVTIME_cbrt 1 338994251 110103
## - BLUEBOOK_cbrt 1 338994307 110103
## - TRAVTIME_sqrt 1 338994410 110103
## - BLUEBOOK_sqrt 1 338994784 110103
## - INCOME_sqrt 1 338994932 110103
## - TRAVTIME 1 338995030 110103
## - HOME_VAL_log 1 338995046 110103
## - TIF_sqrt 1 338996459 110103
## - BLUEBOOK 1 338996727 110103
## - MSTATUS 1 338998979 110103
## - YOJ_log 1 338999661 110103
## - AGE_cbrt 1 338999816 110103
## - AGE_sqrt 1 338999819 110103
## - AGE_log 1 338999827 110103
## - AGE 1 338999888 110103
## - YOJ 1 339000311 110103
## - YOJ_sqrt 1 339001131 110103
## - INCOME 1 339001156 110103
## - HV_INC_RATIO 1 339002737 110103
## - YOJ_cbrt 1 339002902 110103
## - TIF 1 339019724 110104
## - CAR_USE 1 339032856 110104
## - SEX 1 339039653 110104
## - MVR_PTS 1 339040462 110104
## - MVR_PTS_log 1 339040808 110104
## - MVR_PTS_sqrt 1 339041007 110104
## - MVR_PTS_cbrt 1 339041232 110104
## - CAR_AGE_log 1 339043030 110104
## - CAR_AGE 1 339044210 110104
## <none> 338992543 110105
## - CAR_AGE_sqrt 1 339103600 110106
## - RED_CAR 1 339108061 110106
## - CAR_AGE_cbrt 1 339109787 110106
## - OLDCLAIM 1 339116759 110106
## - PARENT1 1 339120772 110106
## - OLDCLAIM_sqrt 1 339128168 110106
## - OLDCLAIM_cbrt 1 339133823 110106
## - OLDCLAIM_log 1 339147208 110107
## - KIDSDRIV 4 339399766 110107
## - CAR_AGE_fact 2 339301291 110108
## - TRT_MVR_PRODUCT 1 339314491 110111
## - TARGET_FLAG 1 696632524 115981
## - TARGET_AMT_log 1 1391465411 121627
## - TARGET_AMT_cbrt 1 3292447394 128656
## - TARGET_AMT_sqrt 1 6090022707 133675
##
## Step: AIC=110101
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + CAR_TYPE + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS +
## CAR_AGE + URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log +
## INCOME_log + HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + HOME_VAL_fact + MVR_PTS_fact +
## OLDCLAIM_fact + TIF_fact + TRAVTIME_fact + YOJ_fact
##
## Df Deviance AIC
## - CAR_TYPE 5 339249575 110097
## - HOME_VAL_fact 2 339005072 110097
## - YOJ_fact 2 339033983 110098
## - MVR_PTS_fact 2 339043937 110098
## - TIF_fact 2 339069131 110099
## - TRAVTIME_fact 2 339075282 110099
## - HOME_VAL 1 338993203 110099
## - OLDCLAIM_fact 1 338993232 110099
## - TIF_cbrt 1 338993257 110099
## - REVOKED 1 338993351 110099
## - TIF_log 1 338993706 110099
## - BLUEBOOK_log 1 338994001 110099
## - HOME_VAL_sqrt 1 338994028 110099
## - INCOME_cbrt 1 338994273 110099
## - URBANICITY 1 338994337 110099
## - INCOME_log 1 338994412 110099
## - TRAVTIME_log 1 338994681 110099
## - BLUEBOOK_cbrt 1 338994823 110099
## - TRAVTIME_cbrt 1 338994915 110099
## - HOME_VAL_cbrt 1 338994950 110099
## - TRAVTIME_sqrt 1 338995074 110099
## - BLUEBOOK_sqrt 1 338995278 110099
## - INCOME_sqrt 1 338995630 110099
## - TRAVTIME 1 338995696 110099
## - HOME_VAL_log 1 338995947 110099
## - TIF_sqrt 1 338997115 110099
## - BLUEBOOK 1 338997152 110099
## - MSTATUS 1 338999615 110099
## - YOJ_log 1 339000248 110099
## - AGE_cbrt 1 339000536 110099
## - AGE_sqrt 1 339000539 110099
## - AGE_log 1 339000547 110099
## - AGE 1 339000609 110099
## - YOJ 1 339000882 110099
## - YOJ_sqrt 1 339001697 110099
## - INCOME 1 339003323 110099
## - YOJ_cbrt 1 339003439 110099
## - HV_INC_RATIO 1 339003483 110099
## - TIF 1 339020409 110100
## - CAR_USE 1 339034022 110100
## - SEX 1 339040317 110100
## - MVR_PTS 1 339041381 110100
## - MVR_PTS_log 1 339041724 110100
## - MVR_PTS_sqrt 1 339041929 110100
## - MVR_PTS_cbrt 1 339042159 110100
## - CAR_AGE_log 1 339043720 110100
## - CAR_AGE 1 339044878 110100
## <none> 338993200 110101
## - CAR_AGE_sqrt 1 339104337 110102
## - RED_CAR 1 339108906 110102
## - CAR_AGE_cbrt 1 339110533 110102
## - OLDCLAIM 1 339117270 110102
## - PARENT1 1 339121672 110102
## - OLDCLAIM_sqrt 1 339128669 110102
## - OLDCLAIM_cbrt 1 339134324 110102
## - OLDCLAIM_log 1 339147717 110103
## - KIDSDRIV 4 339400303 110103
## - CAR_AGE_fact 2 339301946 110104
## - TRT_MVR_PRODUCT 1 339315110 110107
## - TARGET_FLAG 1 696717371 115978
## - TARGET_AMT_log 1 1391654654 121625
## - TARGET_AMT_cbrt 1 3292768383 128653
## - TARGET_AMT_sqrt 1 6090478041 133672
##
## Step: AIC=110097.2
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS + CAR_AGE +
## URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log +
## HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + HOME_VAL_fact + MVR_PTS_fact +
## OLDCLAIM_fact + TIF_fact + TRAVTIME_fact + YOJ_fact
##
## Df Deviance AIC
## - HOME_VAL_fact 2 339260269 110093
## - YOJ_fact 2 339293645 110094
## - MVR_PTS_fact 2 339298889 110094
## - TIF_fact 2 339321122 110095
## - TRAVTIME_fact 2 339332262 110095
## - REVOKED 1 339249586 110095
## - OLDCLAIM_fact 1 339249587 110095
## - HOME_VAL 1 339249601 110095
## - TIF_log 1 339249685 110095
## - TIF_cbrt 1 339249914 110095
## - HOME_VAL_sqrt 1 339250583 110095
## - INCOME_cbrt 1 339250615 110095
## - INCOME_log 1 339250749 110095
## - URBANICITY 1 339250977 110095
## - HOME_VAL_cbrt 1 339251452 110095
## - BLUEBOOK_log 1 339251466 110095
## - TRAVTIME_log 1 339251513 110095
## - TRAVTIME_cbrt 1 339251767 110095
## - TRAVTIME_sqrt 1 339251937 110095
## - INCOME_sqrt 1 339252109 110095
## - HOME_VAL_log 1 339252247 110095
## - TRAVTIME 1 339252576 110095
## - BLUEBOOK_cbrt 1 339253488 110095
## - TIF_sqrt 1 339254574 110095
## - BLUEBOOK_sqrt 1 339254637 110095
## - AGE_log 1 339254981 110095
## - AGE_cbrt 1 339254988 110095
## - AGE_sqrt 1 339254999 110095
## - AGE 1 339255088 110095
## - MSTATUS 1 339256907 110095
## - YOJ_log 1 339257618 110095
## - YOJ 1 339258095 110095
## - BLUEBOOK 1 339258812 110095
## - YOJ_sqrt 1 339259029 110095
## - HV_INC_RATIO 1 339259674 110095
## - INCOME 1 339260581 110095
## - YOJ_cbrt 1 339260614 110095
## - TIF 1 339272804 110096
## - CAR_USE 1 339289509 110096
## - MVR_PTS_log 1 339297994 110096
## - MVR_PTS 1 339298182 110096
## - MVR_PTS_sqrt 1 339298550 110096
## - MVR_PTS_cbrt 1 339298946 110096
## - CAR_AGE_log 1 339300583 110096
## - CAR_AGE 1 339301805 110096
## <none> 339249575 110097
## - OLDCLAIM 1 339362355 110098
## - RED_CAR 1 339362383 110098
## - CAR_AGE_sqrt 1 339363439 110098
## - CAR_AGE_cbrt 1 339370808 110098
## - OLDCLAIM_sqrt 1 339373243 110098
## - PARENT1 1 339376527 110098
## - OLDCLAIM_cbrt 1 339378590 110098
## - OLDCLAIM_log 1 339391370 110099
## - SEX 1 339395711 110099
## - KIDSDRIV 4 339649573 110099
## - CAR_AGE_fact 2 339573888 110101
## - TRT_MVR_PRODUCT 1 339563600 110103
## - TARGET_FLAG 1 697018991 115972
## - TARGET_AMT_log 1 1392363350 121619
## - TARGET_AMT_cbrt 1 3294650126 128648
## - TARGET_AMT_sqrt 1 6094092308 133667
##
## Step: AIC=110093.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS + CAR_AGE +
## URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log +
## HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + MVR_PTS_fact + OLDCLAIM_fact +
## TIF_fact + TRAVTIME_fact + YOJ_fact
##
## Df Deviance AIC
## - YOJ_fact 2 339304031 110090
## - MVR_PTS_fact 2 339309665 110091
## - TIF_fact 2 339331667 110091
## - TRAVTIME_fact 2 339343109 110091
## - OLDCLAIM_fact 1 339260279 110091
## - REVOKED 1 339260282 110091
## - TIF_log 1 339260378 110091
## - TIF_cbrt 1 339260611 110091
## - URBANICITY 1 339261596 110091
## - HOME_VAL_log 1 339261944 110091
## - TRAVTIME_log 1 339262298 110091
## - INCOME_cbrt 1 339262378 110091
## - TRAVTIME_cbrt 1 339262555 110091
## - INCOME_log 1 339262594 110091
## - TRAVTIME_sqrt 1 339262727 110091
## - INCOME_sqrt 1 339262800 110091
## - HOME_VAL_cbrt 1 339262891 110091
## - BLUEBOOK_log 1 339263107 110091
## - HOME_VAL_sqrt 1 339263270 110091
## - HOME_VAL 1 339263339 110091
## - TRAVTIME 1 339263370 110091
## - TIF_sqrt 1 339265285 110092
## - BLUEBOOK_cbrt 1 339265577 110092
## - AGE_log 1 339265964 110092
## - AGE_cbrt 1 339265966 110092
## - AGE_sqrt 1 339265975 110092
## - AGE 1 339266055 110092
## - BLUEBOOK_sqrt 1 339266947 110092
## - MSTATUS 1 339267114 110092
## - YOJ_log 1 339268482 110092
## - YOJ 1 339269012 110092
## - YOJ_sqrt 1 339269928 110092
## - HV_INC_RATIO 1 339270454 110092
## - YOJ_cbrt 1 339271506 110092
## - BLUEBOOK 1 339271825 110092
## - INCOME 1 339275723 110092
## - TIF 1 339283562 110092
## - CAR_USE 1 339299000 110092
## - MVR_PTS_log 1 339308770 110093
## - MVR_PTS 1 339308950 110093
## - MVR_PTS_sqrt 1 339309326 110093
## - MVR_PTS_cbrt 1 339309723 110093
## - CAR_AGE_log 1 339310870 110093
## - CAR_AGE 1 339312213 110093
## <none> 339260269 110093
## - OLDCLAIM 1 339373211 110094
## - RED_CAR 1 339373630 110094
## - CAR_AGE_sqrt 1 339373767 110094
## - CAR_AGE_cbrt 1 339381344 110094
## - OLDCLAIM_sqrt 1 339384122 110094
## - PARENT1 1 339387652 110094
## - OLDCLAIM_cbrt 1 339389459 110095
## - OLDCLAIM_log 1 339402201 110095
## - SEX 1 339406546 110095
## - KIDSDRIV 4 339662891 110095
## - CAR_AGE_fact 2 339584466 110097
## - TRT_MVR_PRODUCT 1 339573995 110099
## - TARGET_FLAG 1 697124371 115969
## - TARGET_AMT_log 1 1392625623 121616
## - TARGET_AMT_cbrt 1 3295389530 128646
## - TARGET_AMT_sqrt 1 6095603775 133665
##
## Step: AIC=110090.5
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS + CAR_AGE +
## URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log +
## HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + MVR_PTS_fact + OLDCLAIM_fact +
## TIF_fact + TRAVTIME_fact
##
## Df Deviance AIC
## - MVR_PTS_fact 2 339353419 110088
## - TIF_fact 2 339378014 110088
## - TRAVTIME_fact 2 339387072 110088
## - REVOKED 1 339304041 110088
## - OLDCLAIM_fact 1 339304047 110088
## - TIF_log 1 339304237 110088
## - TIF_cbrt 1 339304259 110088
## - URBANICITY 1 339305308 110089
## - HOME_VAL_log 1 339305396 110089
## - INCOME_cbrt 1 339305773 110089
## - TRAVTIME_log 1 339305888 110089
## - INCOME_log 1 339305969 110089
## - TRAVTIME_cbrt 1 339306141 110089
## - TRAVTIME_sqrt 1 339306310 110089
## - HOME_VAL_cbrt 1 339306311 110089
## - HOME_VAL_sqrt 1 339306736 110089
## - BLUEBOOK_log 1 339306765 110089
## - INCOME_sqrt 1 339306887 110089
## - TRAVTIME 1 339306951 110089
## - HOME_VAL 1 339307077 110089
## - TIF_sqrt 1 339308736 110089
## - BLUEBOOK_cbrt 1 339309177 110089
## - MSTATUS 1 339310157 110089
## - BLUEBOOK_sqrt 1 339310516 110089
## - AGE_log 1 339310913 110089
## - AGE_cbrt 1 339310940 110089
## - AGE_sqrt 1 339310964 110089
## - AGE 1 339311106 110089
## - YOJ_log 1 339313270 110089
## - HV_INC_RATIO 1 339313678 110089
## - BLUEBOOK 1 339315285 110089
## - INCOME 1 339318769 110089
## - YOJ_sqrt 1 339319609 110089
## - YOJ 1 339320984 110089
## - TIF 1 339328787 110089
## - YOJ_cbrt 1 339328908 110089
## - CAR_USE 1 339340578 110089
## - MVR_PTS_log 1 339351260 110090
## - MVR_PTS 1 339351534 110090
## - MVR_PTS_sqrt 1 339351865 110090
## - MVR_PTS_cbrt 1 339352282 110090
## - CAR_AGE_log 1 339353309 110090
## - CAR_AGE 1 339354854 110090
## <none> 339304031 110090
## - CAR_AGE_sqrt 1 339416034 110091
## - OLDCLAIM 1 339416983 110091
## - RED_CAR 1 339418730 110091
## - CAR_AGE_cbrt 1 339424302 110091
## - OLDCLAIM_sqrt 1 339427529 110091
## - PARENT1 1 339432538 110092
## - OLDCLAIM_cbrt 1 339432744 110092
## - OLDCLAIM_log 1 339445274 110092
## - SEX 1 339451657 110092
## - KIDSDRIV 4 339707590 110092
## - CAR_AGE_fact 2 339628479 110094
## - TRT_MVR_PRODUCT 1 339617384 110096
## - TARGET_FLAG 1 697388132 115968
## - TARGET_AMT_log 1 1393436046 121617
## - TARGET_AMT_cbrt 1 3297820469 128648
## - TARGET_AMT_sqrt 1 6100202558 133667
##
## Step: AIC=110087.7
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS + CAR_AGE +
## URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log +
## HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + OLDCLAIM_fact + TIF_fact +
## TRAVTIME_fact
##
## Df Deviance AIC
## - TIF_fact 2 339427422 110085
## - TRAVTIME_fact 2 339436354 110086
## - OLDCLAIM_fact 1 339353420 110086
## - REVOKED 1 339353424 110086
## - TIF_log 1 339353579 110086
## - TIF_cbrt 1 339353706 110086
## - HOME_VAL_log 1 339354573 110086
## - INCOME_cbrt 1 339354711 110086
## - URBANICITY 1 339354800 110086
## - INCOME_log 1 339354880 110086
## - TRAVTIME_log 1 339355328 110086
## - HOME_VAL_cbrt 1 339355342 110086
## - TRAVTIME_cbrt 1 339355583 110086
## - HOME_VAL_sqrt 1 339355707 110086
## - TRAVTIME_sqrt 1 339355754 110086
## - HOME_VAL 1 339356121 110086
## - BLUEBOOK_log 1 339356148 110086
## - TRAVTIME 1 339356397 110086
## - INCOME_sqrt 1 339356609 110086
## - TIF_sqrt 1 339358409 110086
## - BLUEBOOK_cbrt 1 339358551 110086
## - MSTATUS 1 339359764 110086
## - BLUEBOOK_sqrt 1 339359883 110086
## - AGE_log 1 339360231 110086
## - AGE_cbrt 1 339360255 110086
## - AGE_sqrt 1 339360278 110086
## - AGE 1 339360413 110086
## - HV_INC_RATIO 1 339363224 110086
## - YOJ_log 1 339363917 110086
## - BLUEBOOK 1 339364621 110086
## - INCOME 1 339367461 110086
## - YOJ_sqrt 1 339370345 110086
## - YOJ 1 339371719 110086
## - TIF 1 339378117 110086
## - YOJ_cbrt 1 339379367 110086
## - MVR_PTS 1 339385804 110086
## - MVR_PTS_cbrt 1 339386884 110086
## - MVR_PTS_sqrt 1 339389841 110087
## - CAR_USE 1 339391016 110087
## - MVR_PTS_log 1 339398303 110087
## - CAR_AGE_log 1 339401487 110087
## - CAR_AGE 1 339402828 110087
## <none> 339353419 110088
## - OLDCLAIM 1 339462785 110088
## - CAR_AGE_sqrt 1 339463412 110088
## - RED_CAR 1 339467991 110088
## - CAR_AGE_cbrt 1 339472033 110089
## - OLDCLAIM_sqrt 1 339472818 110089
## - OLDCLAIM_cbrt 1 339477883 110089
## - PARENT1 1 339481818 110089
## - OLDCLAIM_log 1 339490187 110089
## - SEX 1 339499802 110089
## - KIDSDRIV 4 339753080 110089
## - CAR_AGE_fact 2 339674250 110091
## - TRT_MVR_PRODUCT 1 339669016 110093
## - TARGET_FLAG 1 697594391 115966
## - TARGET_AMT_log 1 1394014529 121616
## - TARGET_AMT_cbrt 1 3299387857 128647
## - TARGET_AMT_sqrt 1 6102907924 133667
##
## Step: AIC=110085.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS + CAR_AGE +
## URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log +
## HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + OLDCLAIM_fact + TRAVTIME_fact
##
## Df Deviance AIC
## - TRAVTIME_fact 2 339508147 110083
## - OLDCLAIM_fact 1 339427435 110083
## - REVOKED 1 339427435 110083
## - TIF 1 339427784 110083
## - HOME_VAL_log 1 339428631 110083
## - INCOME_cbrt 1 339428696 110083
## - INCOME_log 1 339428861 110083
## - TRAVTIME_log 1 339429208 110083
## - URBANICITY 1 339429339 110083
## - TRAVTIME_cbrt 1 339429451 110083
## - HOME_VAL_cbrt 1 339429591 110083
## - TRAVTIME_sqrt 1 339429614 110083
## - BLUEBOOK_log 1 339430090 110084
## - HOME_VAL_sqrt 1 339430100 110084
## - TRAVTIME 1 339430227 110084
## - INCOME_sqrt 1 339430386 110084
## - HOME_VAL 1 339430703 110084
## - BLUEBOOK_cbrt 1 339432482 110084
## - TIF_log 1 339433323 110084
## - MSTATUS 1 339433675 110084
## - BLUEBOOK_sqrt 1 339433814 110084
## - AGE_log 1 339433920 110084
## - AGE_cbrt 1 339433942 110084
## - AGE_sqrt 1 339433963 110084
## - AGE 1 339434091 110084
## - YOJ_log 1 339437649 110084
## - TIF_sqrt 1 339437754 110084
## - HV_INC_RATIO 1 339437764 110084
## - BLUEBOOK 1 339438583 110084
## - INCOME 1 339441019 110084
## - TIF_cbrt 1 339441126 110084
## - YOJ_sqrt 1 339443771 110084
## - YOJ 1 339445090 110084
## - YOJ_cbrt 1 339452258 110084
## - MVR_PTS 1 339460217 110084
## - MVR_PTS_cbrt 1 339461324 110084
## - MVR_PTS_sqrt 1 339464285 110084
## - CAR_USE 1 339465997 110084
## - MVR_PTS_log 1 339472764 110085
## - CAR_AGE_log 1 339474000 110085
## - CAR_AGE 1 339474635 110085
## <none> 339427422 110085
## - CAR_AGE_sqrt 1 339534955 110086
## - OLDCLAIM 1 339537055 110086
## - CAR_AGE_cbrt 1 339544695 110086
## - RED_CAR 1 339545112 110086
## - OLDCLAIM_sqrt 1 339546391 110086
## - OLDCLAIM_cbrt 1 339551187 110086
## - PARENT1 1 339555593 110087
## - OLDCLAIM_log 1 339563147 110087
## - SEX 1 339575036 110087
## - KIDSDRIV 4 339826911 110087
## - CAR_AGE_fact 2 339751654 110089
## - TRT_MVR_PRODUCT 1 339739346 110091
## - TARGET_FLAG 1 697695211 115964
## - TARGET_AMT_log 1 1394098920 121613
## - TARGET_AMT_cbrt 1 3299412673 128644
## - TARGET_AMT_sqrt 1 6102917265 133663
##
## Step: AIC=110083.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + REVOKED + MVR_PTS + CAR_AGE +
## URBANICITY + TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log +
## HOME_VAL_log + TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact + OLDCLAIM_fact
##
## Df Deviance AIC
## - REVOKED 1 339508148 110081
## - OLDCLAIM_fact 1 339508148 110081
## - TIF 1 339508312 110081
## - HOME_VAL_log 1 339509291 110081
## - INCOME_cbrt 1 339509558 110081
## - INCOME_log 1 339509734 110081
## - HOME_VAL_cbrt 1 339510012 110081
## - HOME_VAL_sqrt 1 339510365 110081
## - BLUEBOOK_log 1 339510731 110081
## - HOME_VAL 1 339510823 110081
## - URBANICITY 1 339510843 110081
## - INCOME_sqrt 1 339511227 110081
## - BLUEBOOK_cbrt 1 339513080 110082
## - TIF_log 1 339513319 110082
## - AGE_log 1 339514140 110082
## - AGE_cbrt 1 339514147 110082
## - AGE_sqrt 1 339514161 110082
## - AGE 1 339514259 110082
## - BLUEBOOK_sqrt 1 339514392 110082
## - MSTATUS 1 339515002 110082
## - TRAVTIME 1 339515484 110082
## - TRAVTIME_sqrt 1 339516953 110082
## - TRAVTIME_cbrt 1 339517317 110082
## - TRAVTIME_log 1 339517867 110082
## - YOJ_log 1 339518831 110082
## - BLUEBOOK 1 339519098 110082
## - HV_INC_RATIO 1 339519543 110082
## - TIF_sqrt 1 339519795 110082
## - TIF_cbrt 1 339520990 110082
## - INCOME 1 339522485 110082
## - YOJ_sqrt 1 339525158 110082
## - YOJ 1 339526459 110082
## - YOJ_cbrt 1 339533959 110082
## - MVR_PTS 1 339539505 110082
## - MVR_PTS_cbrt 1 339540605 110082
## - MVR_PTS_sqrt 1 339543474 110082
## - CAR_USE 1 339546468 110082
## - MVR_PTS_log 1 339551727 110082
## - CAR_AGE 1 339555062 110083
## - CAR_AGE_log 1 339555080 110083
## <none> 339508147 110083
## - CAR_AGE_sqrt 1 339615619 110084
## - OLDCLAIM 1 339617452 110084
## - RED_CAR 1 339624481 110084
## - CAR_AGE_cbrt 1 339625408 110084
## - OLDCLAIM_sqrt 1 339626856 110084
## - OLDCLAIM_cbrt 1 339631735 110084
## - PARENT1 1 339633569 110084
## - OLDCLAIM_log 1 339643846 110085
## - SEX 1 339657277 110085
## - KIDSDRIV 4 339911726 110085
## - CAR_AGE_fact 2 339832547 110087
## - TRT_MVR_PRODUCT 1 339816481 110089
## - TARGET_FLAG 1 697798737 115961
## - TARGET_AMT_log 1 1394282910 121610
## - TARGET_AMT_cbrt 1 3299869552 128641
## - TARGET_AMT_sqrt 1 6103743792 133660
##
## Step: AIC=110081.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY +
## TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log + HOME_VAL_log +
## TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log + MVR_PTS_log +
## CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt + YOJ_sqrt + INCOME_sqrt +
## HOME_VAL_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt +
## OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt +
## AGE_cbrt + YOJ_cbrt + INCOME_cbrt + HOME_VAL_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact +
## OLDCLAIM_fact
##
## Df Deviance AIC
## - OLDCLAIM_fact 1 339508148 110079
## - TIF 1 339508312 110079
## - HOME_VAL_log 1 339509291 110079
## - INCOME_cbrt 1 339509558 110079
## - INCOME_log 1 339509734 110079
## - HOME_VAL_cbrt 1 339510013 110079
## - HOME_VAL_sqrt 1 339510365 110079
## - BLUEBOOK_log 1 339510731 110079
## - HOME_VAL 1 339510824 110079
## - URBANICITY 1 339510857 110079
## - INCOME_sqrt 1 339511227 110079
## - BLUEBOOK_cbrt 1 339513081 110080
## - TIF_log 1 339513319 110080
## - AGE_log 1 339514140 110080
## - AGE_cbrt 1 339514148 110080
## - AGE_sqrt 1 339514161 110080
## - AGE 1 339514259 110080
## - BLUEBOOK_sqrt 1 339514393 110080
## - MSTATUS 1 339515003 110080
## - TRAVTIME 1 339515485 110080
## - TRAVTIME_sqrt 1 339516954 110080
## - TRAVTIME_cbrt 1 339517318 110080
## - TRAVTIME_log 1 339517868 110080
## - YOJ_log 1 339518831 110080
## - BLUEBOOK 1 339519100 110080
## - HV_INC_RATIO 1 339519543 110080
## - TIF_sqrt 1 339519796 110080
## - TIF_cbrt 1 339520991 110080
## - INCOME 1 339522487 110080
## - YOJ_sqrt 1 339525159 110080
## - YOJ 1 339526460 110080
## - YOJ_cbrt 1 339533959 110080
## - MVR_PTS 1 339539522 110080
## - MVR_PTS_cbrt 1 339540622 110080
## - MVR_PTS_sqrt 1 339543491 110080
## - CAR_USE 1 339546469 110080
## - MVR_PTS_log 1 339551748 110080
## - CAR_AGE_log 1 339555108 110081
## - CAR_AGE 1 339555113 110081
## <none> 339508148 110081
## - CAR_AGE_sqrt 1 339615713 110082
## - OLDCLAIM 1 339619721 110082
## - RED_CAR 1 339624485 110082
## - CAR_AGE_cbrt 1 339625460 110082
## - OLDCLAIM_sqrt 1 339629588 110082
## - PARENT1 1 339633593 110082
## - OLDCLAIM_cbrt 1 339634316 110082
## - OLDCLAIM_log 1 339646153 110083
## - SEX 1 339657280 110083
## - KIDSDRIV 4 339911932 110083
## - CAR_AGE_fact 2 339832549 110085
## - TRT_MVR_PRODUCT 1 339816664 110087
## - TARGET_FLAG 1 697859406 115960
## - TARGET_AMT_log 1 1394409786 121609
## - TARGET_AMT_cbrt 1 3300309388 128640
## - TARGET_AMT_sqrt 1 6104755775 133659
##
## Step: AIC=110079.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## TIF + RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY +
## TARGET_AMT_log + AGE_log + YOJ_log + INCOME_log + HOME_VAL_log +
## TRAVTIME_log + BLUEBOOK_log + TIF_log + OLDCLAIM_log + MVR_PTS_log +
## CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt + YOJ_sqrt + INCOME_sqrt +
## HOME_VAL_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt +
## OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt +
## AGE_cbrt + YOJ_cbrt + INCOME_cbrt + HOME_VAL_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - TIF 1 339508312 110077
## - HOME_VAL_log 1 339509292 110077
## - INCOME_cbrt 1 339509559 110077
## - INCOME_log 1 339509735 110077
## - HOME_VAL_cbrt 1 339510013 110077
## - HOME_VAL_sqrt 1 339510365 110077
## - BLUEBOOK_log 1 339510732 110077
## - HOME_VAL 1 339510824 110077
## - URBANICITY 1 339510857 110077
## - INCOME_sqrt 1 339511228 110077
## - BLUEBOOK_cbrt 1 339513081 110078
## - TIF_log 1 339513319 110078
## - AGE_log 1 339514140 110078
## - AGE_cbrt 1 339514148 110078
## - AGE_sqrt 1 339514161 110078
## - AGE 1 339514259 110078
## - BLUEBOOK_sqrt 1 339514393 110078
## - MSTATUS 1 339515007 110078
## - TRAVTIME 1 339515487 110078
## - TRAVTIME_sqrt 1 339516956 110078
## - TRAVTIME_cbrt 1 339517320 110078
## - TRAVTIME_log 1 339517871 110078
## - YOJ_log 1 339518832 110078
## - BLUEBOOK 1 339519100 110078
## - HV_INC_RATIO 1 339519544 110078
## - TIF_sqrt 1 339519798 110078
## - TIF_cbrt 1 339520991 110078
## - INCOME 1 339522491 110078
## - YOJ_sqrt 1 339525162 110078
## - YOJ 1 339526464 110078
## - YOJ_cbrt 1 339533967 110078
## - MVR_PTS 1 339539523 110078
## - MVR_PTS_cbrt 1 339540623 110078
## - MVR_PTS_sqrt 1 339543492 110078
## - CAR_USE 1 339546485 110078
## - MVR_PTS_log 1 339551748 110078
## - CAR_AGE_log 1 339555109 110079
## - CAR_AGE 1 339555113 110079
## <none> 339508148 110079
## - CAR_AGE_sqrt 1 339615713 110080
## - OLDCLAIM 1 339619824 110080
## - RED_CAR 1 339624492 110080
## - CAR_AGE_cbrt 1 339625460 110080
## - OLDCLAIM_sqrt 1 339630808 110080
## - PARENT1 1 339633594 110080
## - OLDCLAIM_cbrt 1 339637458 110080
## - OLDCLAIM_log 1 339652610 110081
## - SEX 1 339657281 110081
## - KIDSDRIV 4 339912129 110081
## - CAR_AGE_fact 2 339832594 110083
## - TRT_MVR_PRODUCT 1 339816683 110085
## - TARGET_FLAG 1 697934514 115958
## - TARGET_AMT_log 1 1394618242 121608
## - TARGET_AMT_cbrt 1 3300777640 128639
## - TARGET_AMT_sqrt 1 6105576398 133658
##
## Step: AIC=110077.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + HOME_VAL_log + TRAVTIME_log +
## BLUEBOOK_log + TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log +
## TARGET_AMT_sqrt + AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt +
## YOJ_cbrt + INCOME_cbrt + HOME_VAL_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - HOME_VAL_log 1 339509462 110075
## - INCOME_cbrt 1 339509726 110075
## - INCOME_log 1 339509902 110075
## - HOME_VAL_cbrt 1 339510180 110075
## - HOME_VAL_sqrt 1 339510529 110075
## - BLUEBOOK_log 1 339510877 110075
## - HOME_VAL 1 339510978 110075
## - URBANICITY 1 339511011 110075
## - INCOME_sqrt 1 339511398 110075
## - BLUEBOOK_cbrt 1 339513219 110076
## - AGE_log 1 339514331 110076
## - AGE_cbrt 1 339514339 110076
## - AGE_sqrt 1 339514352 110076
## - AGE 1 339514450 110076
## - BLUEBOOK_sqrt 1 339514528 110076
## - MSTATUS 1 339515184 110076
## - TRAVTIME 1 339515649 110076
## - TRAVTIME_sqrt 1 339517118 110076
## - TRAVTIME_cbrt 1 339517482 110076
## - TRAVTIME_log 1 339518033 110076
## - YOJ_log 1 339519029 110076
## - BLUEBOOK 1 339519227 110076
## - HV_INC_RATIO 1 339519747 110076
## - INCOME 1 339522690 110076
## - YOJ_sqrt 1 339525351 110076
## - YOJ 1 339526649 110076
## - YOJ_cbrt 1 339534131 110076
## - MVR_PTS 1 339539591 110076
## - MVR_PTS_cbrt 1 339540690 110076
## - TIF_log 1 339541187 110076
## - TIF_cbrt 1 339542960 110076
## - MVR_PTS_sqrt 1 339543556 110076
## - TIF_sqrt 1 339545075 110076
## - CAR_USE 1 339546764 110076
## - MVR_PTS_log 1 339551805 110076
## - CAR_AGE_log 1 339555224 110077
## - CAR_AGE 1 339555250 110077
## <none> 339508312 110077
## - CAR_AGE_sqrt 1 339615848 110078
## - OLDCLAIM 1 339620052 110078
## - RED_CAR 1 339624526 110078
## - CAR_AGE_cbrt 1 339625620 110078
## - OLDCLAIM_sqrt 1 339631046 110078
## - PARENT1 1 339633774 110078
## - OLDCLAIM_cbrt 1 339637700 110078
## - OLDCLAIM_log 1 339652860 110079
## - SEX 1 339657297 110079
## - KIDSDRIV 4 339912329 110079
## - CAR_AGE_fact 2 339832656 110081
## - TRT_MVR_PRODUCT 1 339816799 110083
## - TARGET_FLAG 1 698058712 115958
## - TARGET_AMT_log 1 1394957505 121608
## - TARGET_AMT_cbrt 1 3301601160 128639
## - TARGET_AMT_sqrt 1 6107068527 133658
##
## Step: AIC=110075.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + INCOME_cbrt +
## HOME_VAL_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO +
## TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - INCOME_cbrt 1 339509851 110073
## - INCOME_log 1 339509983 110073
## - HOME_VAL_cbrt 1 339510524 110073
## - HOME_VAL_sqrt 1 339510584 110073
## - HOME_VAL 1 339511317 110073
## - BLUEBOOK_log 1 339512021 110073
## - URBANICITY 1 339512132 110073
## - BLUEBOOK_cbrt 1 339514348 110074
## - INCOME_sqrt 1 339515151 110074
## - AGE_log 1 339515432 110074
## - AGE_cbrt 1 339515440 110074
## - AGE_sqrt 1 339515453 110074
## - AGE 1 339515551 110074
## - BLUEBOOK_sqrt 1 339515646 110074
## - TRAVTIME 1 339516769 110074
## - MSTATUS 1 339516873 110074
## - TRAVTIME_sqrt 1 339518232 110074
## - TRAVTIME_cbrt 1 339518594 110074
## - TRAVTIME_log 1 339519143 110074
## - YOJ_log 1 339519911 110074
## - BLUEBOOK 1 339520297 110074
## - HV_INC_RATIO 1 339520967 110074
## - INCOME 1 339522823 110074
## - YOJ_sqrt 1 339526299 110074
## - YOJ 1 339527545 110074
## - YOJ_cbrt 1 339535536 110074
## - MVR_PTS 1 339540815 110074
## - MVR_PTS_cbrt 1 339541908 110074
## - TIF_log 1 339542461 110074
## - TIF_cbrt 1 339544241 110074
## - MVR_PTS_sqrt 1 339544775 110074
## - TIF_sqrt 1 339546361 110074
## - CAR_USE 1 339547887 110074
## - MVR_PTS_log 1 339553024 110074
## - CAR_AGE_log 1 339556368 110075
## - CAR_AGE 1 339556483 110075
## <none> 339509462 110075
## - CAR_AGE_sqrt 1 339617145 110076
## - OLDCLAIM 1 339621261 110076
## - RED_CAR 1 339626192 110076
## - CAR_AGE_cbrt 1 339626938 110076
## - OLDCLAIM_sqrt 1 339632313 110076
## - PARENT1 1 339634976 110076
## - OLDCLAIM_cbrt 1 339638985 110077
## - OLDCLAIM_log 1 339654165 110077
## - SEX 1 339659014 110077
## - KIDSDRIV 4 339914225 110077
## - CAR_AGE_fact 2 339833801 110079
## - TRT_MVR_PRODUCT 1 339818721 110081
## - TARGET_FLAG 1 698079976 115956
## - TARGET_AMT_log 1 1395068089 121607
## - TARGET_AMT_cbrt 1 3302097202 128638
## - TARGET_AMT_sqrt 1 6108128522 133658
##
## Step: AIC=110073.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + HOME_VAL_cbrt +
## TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt +
## MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT +
## CAR_AGE_fact
##
## Df Deviance AIC
## - HOME_VAL_cbrt 1 339510786 110071
## - HOME_VAL_sqrt 1 339510845 110071
## - HOME_VAL 1 339511551 110071
## - BLUEBOOK_log 1 339512407 110071
## - URBANICITY 1 339512614 110071
## - BLUEBOOK_cbrt 1 339514718 110072
## - AGE_log 1 339515810 110072
## - AGE_cbrt 1 339515819 110072
## - AGE_sqrt 1 339515833 110072
## - AGE 1 339515933 110072
## - BLUEBOOK_sqrt 1 339516003 110072
## - TRAVTIME 1 339517175 110072
## - MSTATUS 1 339517263 110072
## - TRAVTIME_sqrt 1 339518640 110072
## - TRAVTIME_cbrt 1 339519003 110072
## - TRAVTIME_log 1 339519552 110072
## - YOJ_log 1 339520194 110072
## - BLUEBOOK 1 339520600 110072
## - HV_INC_RATIO 1 339521383 110072
## - INCOME_sqrt 1 339521751 110072
## - INCOME 1 339522880 110072
## - INCOME_log 1 339523813 110072
## - YOJ_sqrt 1 339526630 110072
## - YOJ 1 339527843 110072
## - YOJ_cbrt 1 339536178 110072
## - MVR_PTS 1 339541206 110072
## - MVR_PTS_cbrt 1 339542298 110072
## - TIF_log 1 339542756 110072
## - TIF_cbrt 1 339544537 110072
## - MVR_PTS_sqrt 1 339545162 110072
## - TIF_sqrt 1 339546659 110072
## - CAR_USE 1 339548037 110072
## - MVR_PTS_log 1 339553404 110072
## - CAR_AGE_log 1 339556831 110073
## - CAR_AGE 1 339557154 110073
## <none> 339509851 110073
## - CAR_AGE_sqrt 1 339617976 110074
## - OLDCLAIM 1 339621586 110074
## - RED_CAR 1 339626784 110074
## - CAR_AGE_cbrt 1 339627717 110074
## - OLDCLAIM_sqrt 1 339632643 110074
## - PARENT1 1 339635692 110074
## - OLDCLAIM_cbrt 1 339639317 110075
## - OLDCLAIM_log 1 339654499 110075
## - SEX 1 339659418 110075
## - KIDSDRIV 4 339914889 110075
## - CAR_AGE_fact 2 339833954 110077
## - TRT_MVR_PRODUCT 1 339819327 110079
## - TARGET_FLAG 1 698080393 115954
## - TARGET_AMT_log 1 1395068192 121605
## - TARGET_AMT_cbrt 1 3302103227 128636
## - TARGET_AMT_sqrt 1 6108149209 133656
##
## Step: AIC=110071.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + HOME_VAL_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - HOME_VAL_sqrt 1 339510970 110069
## - HOME_VAL 1 339512638 110069
## - BLUEBOOK_log 1 339513263 110070
## - URBANICITY 1 339513614 110070
## - BLUEBOOK_cbrt 1 339515523 110070
## - BLUEBOOK_sqrt 1 339516780 110070
## - AGE_log 1 339516796 110070
## - AGE_cbrt 1 339516804 110070
## - AGE_sqrt 1 339516818 110070
## - AGE 1 339516917 110070
## - MSTATUS 1 339517864 110070
## - TRAVTIME 1 339518129 110070
## - TRAVTIME_sqrt 1 339519598 110070
## - TRAVTIME_cbrt 1 339519961 110070
## - TRAVTIME_log 1 339520512 110070
## - YOJ_log 1 339521153 110070
## - BLUEBOOK 1 339521278 110070
## - HV_INC_RATIO 1 339522413 110070
## - YOJ_sqrt 1 339527622 110070
## - YOJ 1 339528826 110070
## - INCOME_sqrt 1 339529345 110070
## - INCOME 1 339530618 110070
## - INCOME_log 1 339531651 110070
## - YOJ_cbrt 1 339537277 110070
## - MVR_PTS 1 339542088 110070
## - MVR_PTS_cbrt 1 339543176 110070
## - TIF_log 1 339543550 110070
## - TIF_cbrt 1 339545317 110070
## - MVR_PTS_sqrt 1 339546034 110070
## - TIF_sqrt 1 339547425 110070
## - CAR_USE 1 339548607 110070
## - MVR_PTS_log 1 339554261 110070
## - CAR_AGE_log 1 339558017 110071
## - CAR_AGE 1 339558436 110071
## <none> 339510786 110071
## - CAR_AGE_sqrt 1 339619484 110072
## - OLDCLAIM 1 339622621 110072
## - RED_CAR 1 339627666 110072
## - CAR_AGE_cbrt 1 339629095 110072
## - OLDCLAIM_sqrt 1 339633631 110072
## - PARENT1 1 339637328 110072
## - OLDCLAIM_cbrt 1 339640295 110073
## - OLDCLAIM_log 1 339655470 110073
## - SEX 1 339660090 110073
## - KIDSDRIV 4 339915593 110073
## - CAR_AGE_fact 2 339834724 110075
## - TRT_MVR_PRODUCT 1 339820051 110077
## - TARGET_FLAG 1 698083068 115952
## - TARGET_AMT_log 1 1395080343 121603
## - TARGET_AMT_cbrt 1 3302372583 128635
## - TARGET_AMT_sqrt 1 6108916979 133655
##
## Step: AIC=110069.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + TRAVTIME_log + BLUEBOOK_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - BLUEBOOK_log 1 339513428 110068
## - URBANICITY 1 339513822 110068
## - BLUEBOOK_cbrt 1 339515679 110068
## - BLUEBOOK_sqrt 1 339516932 110068
## - AGE_log 1 339516948 110068
## - AGE_cbrt 1 339516958 110068
## - AGE_sqrt 1 339516972 110068
## - AGE 1 339517072 110068
## - MSTATUS 1 339517869 110068
## - TRAVTIME 1 339518350 110068
## - HOME_VAL 1 339518537 110068
## - TRAVTIME_sqrt 1 339519823 110068
## - TRAVTIME_cbrt 1 339520188 110068
## - TRAVTIME_log 1 339520740 110068
## - YOJ_log 1 339521370 110068
## - BLUEBOOK 1 339521416 110068
## - HV_INC_RATIO 1 339522630 110068
## - YOJ_sqrt 1 339527867 110068
## - YOJ 1 339529074 110068
## - INCOME_sqrt 1 339531248 110068
## - INCOME_log 1 339533470 110068
## - INCOME 1 339536604 110068
## - YOJ_cbrt 1 339537572 110068
## - MVR_PTS 1 339542219 110068
## - MVR_PTS_cbrt 1 339543308 110068
## - TIF_log 1 339543738 110068
## - TIF_cbrt 1 339545512 110068
## - MVR_PTS_sqrt 1 339546162 110068
## - TIF_sqrt 1 339547629 110068
## - CAR_USE 1 339548958 110068
## - MVR_PTS_log 1 339554379 110068
## - CAR_AGE_log 1 339558131 110069
## - CAR_AGE 1 339558589 110069
## <none> 339510970 110069
## - CAR_AGE_sqrt 1 339619639 110070
## - OLDCLAIM 1 339622831 110070
## - RED_CAR 1 339627918 110070
## - CAR_AGE_cbrt 1 339629281 110070
## - OLDCLAIM_sqrt 1 339633840 110070
## - PARENT1 1 339637389 110070
## - OLDCLAIM_cbrt 1 339640502 110071
## - OLDCLAIM_log 1 339655673 110071
## - SEX 1 339660323 110071
## - KIDSDRIV 4 339916229 110071
## - CAR_AGE_fact 2 339834724 110073
## - TRT_MVR_PRODUCT 1 339820448 110075
## - TARGET_FLAG 1 698099567 115950
## - TARGET_AMT_log 1 1395219300 121601
## - TARGET_AMT_cbrt 1 3303021741 128634
## - TARGET_AMT_sqrt 1 6110246708 133655
##
## Step: AIC=110067.5
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + URBANICITY + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + TRAVTIME_log + TIF_log +
## OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - URBANICITY 1 339516229 110066
## - AGE_log 1 339519533 110066
## - AGE_cbrt 1 339519541 110066
## - AGE_sqrt 1 339519555 110066
## - AGE 1 339519653 110066
## - MSTATUS 1 339520190 110066
## - TRAVTIME 1 339520733 110066
## - HOME_VAL 1 339521022 110066
## - TRAVTIME_sqrt 1 339522201 110066
## - TRAVTIME_cbrt 1 339522565 110066
## - TRAVTIME_log 1 339523115 110066
## - YOJ_log 1 339523926 110066
## - HV_INC_RATIO 1 339525105 110066
## - YOJ_sqrt 1 339530452 110066
## - YOJ 1 339531665 110066
## - INCOME_sqrt 1 339533920 110066
## - INCOME_log 1 339535896 110066
## - INCOME 1 339539074 110066
## - YOJ_cbrt 1 339540183 110066
## - MVR_PTS 1 339544815 110066
## - MVR_PTS_cbrt 1 339545905 110066
## - TIF_log 1 339546060 110066
## - TIF_cbrt 1 339547828 110066
## - MVR_PTS_sqrt 1 339548766 110066
## - TIF_sqrt 1 339549940 110066
## - CAR_USE 1 339553425 110066
## - MVR_PTS_log 1 339557005 110067
## - CAR_AGE_log 1 339561009 110067
## - CAR_AGE 1 339561221 110067
## - BLUEBOOK 1 339571687 110067
## - BLUEBOOK_sqrt 1 339572367 110067
## - BLUEBOOK_cbrt 1 339574145 110067
## <none> 339513428 110068
## - CAR_AGE_sqrt 1 339622181 110068
## - OLDCLAIM 1 339625116 110068
## - RED_CAR 1 339630846 110068
## - CAR_AGE_cbrt 1 339631546 110068
## - OLDCLAIM_sqrt 1 339636122 110068
## - PARENT1 1 339639923 110069
## - OLDCLAIM_cbrt 1 339642793 110069
## - OLDCLAIM_log 1 339657982 110069
## - SEX 1 339662493 110069
## - KIDSDRIV 4 339919534 110069
## - CAR_AGE_fact 2 339837284 110071
## - TRT_MVR_PRODUCT 1 339823195 110073
## - TARGET_FLAG 1 698104415 115948
## - TARGET_AMT_log 1 1395235109 121599
## - TARGET_AMT_cbrt 1 3303065443 128633
## - TARGET_AMT_sqrt 1 6110344718 133653
##
## Step: AIC=110065.6
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + TARGET_AMT_log +
## AGE_log + YOJ_log + INCOME_log + TRAVTIME_log + TIF_log +
## OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - AGE_log 1 339522309 110064
## - AGE_cbrt 1 339522315 110064
## - AGE_sqrt 1 339522327 110064
## - AGE 1 339522420 110064
## - MSTATUS 1 339522686 110064
## - TRAVTIME 1 339523577 110064
## - HOME_VAL 1 339523695 110064
## - TRAVTIME_sqrt 1 339525038 110064
## - TRAVTIME_cbrt 1 339525401 110064
## - TRAVTIME_log 1 339525952 110064
## - YOJ_log 1 339526676 110064
## - HV_INC_RATIO 1 339528149 110064
## - YOJ_sqrt 1 339533178 110064
## - YOJ 1 339534388 110064
## - INCOME_sqrt 1 339537228 110064
## - INCOME_log 1 339539193 110064
## - INCOME 1 339541577 110064
## - YOJ_cbrt 1 339542876 110064
## - MVR_PTS 1 339547483 110064
## - MVR_PTS_cbrt 1 339548585 110064
## - TIF_log 1 339548850 110064
## - TIF_cbrt 1 339550629 110064
## - MVR_PTS_sqrt 1 339551438 110064
## - TIF_sqrt 1 339552763 110064
## - CAR_USE 1 339558962 110065
## - MVR_PTS_log 1 339559663 110065
## - CAR_AGE_log 1 339563629 110065
## - CAR_AGE 1 339563897 110065
## - BLUEBOOK 1 339574441 110065
## - BLUEBOOK_sqrt 1 339575161 110065
## - BLUEBOOK_cbrt 1 339576971 110065
## <none> 339516229 110066
## - CAR_AGE_sqrt 1 339624961 110066
## - OLDCLAIM 1 339628128 110066
## - RED_CAR 1 339634345 110066
## - CAR_AGE_cbrt 1 339634457 110066
## - OLDCLAIM_sqrt 1 339639027 110067
## - PARENT1 1 339642460 110067
## - OLDCLAIM_cbrt 1 339645631 110067
## - OLDCLAIM_log 1 339660578 110067
## - SEX 1 339664263 110067
## - KIDSDRIV 4 339922687 110067
## - CAR_AGE_fact 2 339840195 110069
## - TRT_MVR_PRODUCT 1 339824285 110071
## - TARGET_FLAG 1 698200771 115948
## - TARGET_AMT_log 1 1395338901 121598
## - TARGET_AMT_cbrt 1 3303349649 128631
## - TARGET_AMT_sqrt 1 6110895016 133651
##
## Step: AIC=110063.7
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + TARGET_AMT_log +
## YOJ_log + INCOME_log + TRAVTIME_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + AGE_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - AGE_cbrt 1 339522317 110062
## - AGE_sqrt 1 339522336 110062
## - AGE 1 339522497 110062
## - MSTATUS 1 339529360 110062
## - HOME_VAL 1 339529551 110062
## - TRAVTIME 1 339529622 110062
## - TRAVTIME_sqrt 1 339531081 110062
## - TRAVTIME_cbrt 1 339531443 110062
## - YOJ_log 1 339531475 110062
## - TRAVTIME_log 1 339531992 110062
## - HV_INC_RATIO 1 339534067 110062
## - YOJ_sqrt 1 339537467 110062
## - YOJ 1 339538582 110062
## - INCOME_sqrt 1 339543296 110062
## - INCOME_log 1 339545276 110062
## - YOJ_cbrt 1 339546567 110062
## - INCOME 1 339547806 110062
## - MVR_PTS 1 339553346 110062
## - MVR_PTS_cbrt 1 339554445 110062
## - TIF_log 1 339554874 110063
## - TIF_cbrt 1 339556627 110063
## - MVR_PTS_sqrt 1 339557286 110063
## - TIF_sqrt 1 339558727 110063
## - MVR_PTS_log 1 339565484 110063
## - CAR_USE 1 339565646 110063
## - CAR_AGE_log 1 339569143 110063
## - CAR_AGE 1 339569378 110063
## - BLUEBOOK 1 339580151 110063
## - BLUEBOOK_sqrt 1 339581157 110063
## - BLUEBOOK_cbrt 1 339583084 110063
## <none> 339522309 110064
## - CAR_AGE_sqrt 1 339630491 110064
## - OLDCLAIM 1 339634788 110064
## - CAR_AGE_cbrt 1 339640424 110065
## - RED_CAR 1 339641332 110065
## - OLDCLAIM_sqrt 1 339645633 110065
## - PARENT1 1 339646536 110065
## - OLDCLAIM_cbrt 1 339652211 110065
## - OLDCLAIM_log 1 339667144 110065
## - SEX 1 339670224 110065
## - KIDSDRIV 4 339928590 110065
## - CAR_AGE_fact 2 339847201 110068
## - TRT_MVR_PRODUCT 1 339830558 110069
## - TARGET_FLAG 1 698205696 115946
## - TARGET_AMT_log 1 1395342877 121596
## - TARGET_AMT_cbrt 1 3303349886 128629
## - TARGET_AMT_sqrt 1 6110914098 133649
##
## Step: AIC=110061.7
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + MSTATUS + SEX + TRAVTIME + CAR_USE + BLUEBOOK +
## RED_CAR + OLDCLAIM + MVR_PTS + CAR_AGE + TARGET_AMT_log +
## YOJ_log + INCOME_log + TRAVTIME_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt +
## YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - MSTATUS 1 339529362 110060
## - HOME_VAL 1 339529565 110060
## - TRAVTIME 1 339529638 110060
## - TRAVTIME_sqrt 1 339531098 110060
## - TRAVTIME_cbrt 1 339531461 110060
## - YOJ_log 1 339531506 110060
## - TRAVTIME_log 1 339532010 110060
## - AGE_sqrt 1 339532882 110060
## - HV_INC_RATIO 1 339534073 110060
## - YOJ_sqrt 1 339537544 110060
## - AGE 1 339537629 110060
## - YOJ 1 339538673 110060
## - INCOME_sqrt 1 339543393 110060
## - INCOME_log 1 339545391 110060
## - YOJ_cbrt 1 339546715 110060
## - INCOME 1 339547915 110060
## - MVR_PTS 1 339553349 110060
## - MVR_PTS_cbrt 1 339554448 110060
## - TIF_log 1 339554901 110061
## - TIF_cbrt 1 339556655 110061
## - MVR_PTS_sqrt 1 339557290 110061
## - TIF_sqrt 1 339558756 110061
## - MVR_PTS_log 1 339565489 110061
## - CAR_USE 1 339565680 110061
## - CAR_AGE_log 1 339569160 110061
## - CAR_AGE 1 339569389 110061
## - BLUEBOOK 1 339580172 110061
## - BLUEBOOK_sqrt 1 339581181 110061
## - BLUEBOOK_cbrt 1 339583109 110061
## <none> 339522317 110062
## - CAR_AGE_sqrt 1 339630537 110062
## - OLDCLAIM 1 339634834 110062
## - CAR_AGE_cbrt 1 339640444 110063
## - RED_CAR 1 339641438 110063
## - OLDCLAIM_sqrt 1 339645668 110063
## - PARENT1 1 339647749 110063
## - OLDCLAIM_cbrt 1 339652242 110063
## - OLDCLAIM_log 1 339667170 110063
## - SEX 1 339670232 110063
## - KIDSDRIV 4 339928591 110063
## - CAR_AGE_fact 2 339847410 110066
## - TRT_MVR_PRODUCT 1 339830637 110067
## - TARGET_FLAG 1 698354239 115945
## - TARGET_AMT_log 1 1395828460 121597
## - TARGET_AMT_cbrt 1 3304899581 128631
## - TARGET_AMT_sqrt 1 6114094754 133652
##
## Step: AIC=110059.9
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + SEX + TRAVTIME + CAR_USE + BLUEBOOK + RED_CAR +
## OLDCLAIM + MVR_PTS + CAR_AGE + TARGET_AMT_log + YOJ_log +
## INCOME_log + TRAVTIME_log + TIF_log + OLDCLAIM_log + MVR_PTS_log +
## CAR_AGE_log + TARGET_AMT_sqrt + AGE_sqrt + YOJ_sqrt + INCOME_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + YOJ_cbrt +
## TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt +
## MVR_PTS_cbrt + CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT +
## CAR_AGE_fact
##
## Df Deviance AIC
## - TRAVTIME 1 339536867 110058
## - TRAVTIME_sqrt 1 339538348 110058
## - YOJ_log 1 339538715 110058
## - TRAVTIME_cbrt 1 339538716 110058
## - AGE_sqrt 1 339538974 110058
## - TRAVTIME_log 1 339539272 110058
## - HV_INC_RATIO 1 339540990 110058
## - AGE 1 339543724 110058
## - YOJ_sqrt 1 339545081 110058
## - YOJ 1 339546385 110058
## - INCOME_sqrt 1 339551312 110058
## - INCOME 1 339552505 110058
## - INCOME_log 1 339553135 110058
## - HOME_VAL 1 339553374 110058
## - YOJ_cbrt 1 339554806 110059
## - MVR_PTS 1 339560828 110059
## - TIF_log 1 339561814 110059
## - MVR_PTS_cbrt 1 339561934 110059
## - TIF_cbrt 1 339563574 110059
## - MVR_PTS_sqrt 1 339564784 110059
## - TIF_sqrt 1 339565688 110059
## - MVR_PTS_log 1 339573014 110059
## - CAR_USE 1 339573531 110059
## - CAR_AGE_log 1 339576248 110059
## - CAR_AGE 1 339576517 110059
## - BLUEBOOK 1 339587628 110059
## - BLUEBOOK_sqrt 1 339588732 110059
## - BLUEBOOK_cbrt 1 339590698 110059
## <none> 339529362 110060
## - CAR_AGE_sqrt 1 339637594 110060
## - OLDCLAIM 1 339642237 110061
## - CAR_AGE_cbrt 1 339647357 110061
## - RED_CAR 1 339648553 110061
## - OLDCLAIM_sqrt 1 339652972 110061
## - OLDCLAIM_cbrt 1 339659513 110061
## - OLDCLAIM_log 1 339674384 110061
## - SEX 1 339675869 110061
## - KIDSDRIV 4 339934651 110062
## - PARENT1 1 339723061 110063
## - CAR_AGE_fact 2 339852730 110064
## - TRT_MVR_PRODUCT 1 339839266 110065
## - TARGET_FLAG 1 698373697 115944
## - TARGET_AMT_log 1 1395846452 121595
## - TARGET_AMT_cbrt 1 3304917507 128629
## - TARGET_AMT_sqrt 1 6114103250 133650
##
## Step: AIC=110058.1
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM +
## MVR_PTS + CAR_AGE + TARGET_AMT_log + YOJ_log + INCOME_log +
## TRAVTIME_log + TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log +
## TARGET_AMT_sqrt + AGE_sqrt + YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + YOJ_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - YOJ_log 1 339546196 110056
## - AGE_sqrt 1 339546377 110056
## - HV_INC_RATIO 1 339548614 110056
## - AGE 1 339551112 110056
## - YOJ_sqrt 1 339552593 110056
## - YOJ 1 339553907 110056
## - INCOME_sqrt 1 339559218 110057
## - INCOME 1 339560464 110057
## - HOME_VAL 1 339560628 110057
## - INCOME_log 1 339560938 110057
## - YOJ_cbrt 1 339562396 110057
## - MVR_PTS 1 339568697 110057
## - TIF_log 1 339569364 110057
## - MVR_PTS_cbrt 1 339569811 110057
## - TIF_cbrt 1 339571128 110057
## - MVR_PTS_sqrt 1 339572677 110057
## - TIF_sqrt 1 339573242 110057
## - TRAVTIME_cbrt 1 339577349 110057
## - TRAVTIME_sqrt 1 339577367 110057
## - TRAVTIME_log 1 339578426 110057
## - MVR_PTS_log 1 339580940 110057
## - CAR_USE 1 339581531 110057
## - CAR_AGE_log 1 339583607 110057
## - CAR_AGE 1 339583842 110057
## - BLUEBOOK 1 339595189 110057
## - BLUEBOOK_sqrt 1 339596374 110058
## - BLUEBOOK_cbrt 1 339598380 110058
## <none> 339536867 110058
## - CAR_AGE_sqrt 1 339644940 110059
## - OLDCLAIM 1 339649072 110059
## - CAR_AGE_cbrt 1 339654805 110059
## - RED_CAR 1 339655572 110059
## - OLDCLAIM_sqrt 1 339659779 110059
## - OLDCLAIM_cbrt 1 339666301 110059
## - OLDCLAIM_log 1 339681130 110060
## - SEX 1 339682662 110060
## - KIDSDRIV 4 339943528 110060
## - PARENT1 1 339730882 110061
## - CAR_AGE_fact 2 339860074 110062
## - TRT_MVR_PRODUCT 1 339844138 110063
## - TARGET_FLAG 1 698375336 115942
## - TARGET_AMT_log 1 1395854963 121593
## - TARGET_AMT_cbrt 1 3305033976 128627
## - TARGET_AMT_sqrt 1 6114415634 133648
##
## Step: AIC=110056.3
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM +
## MVR_PTS + CAR_AGE + TARGET_AMT_log + INCOME_log + TRAVTIME_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## AGE_sqrt + YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - AGE_sqrt 1 339554420 110054
## - HV_INC_RATIO 1 339558094 110055
## - AGE 1 339558829 110055
## - INCOME_sqrt 1 339570270 110055
## - HOME_VAL 1 339570276 110055
## - INCOME 1 339571148 110055
## - INCOME_log 1 339571870 110055
## - YOJ_cbrt 1 339573120 110055
## - YOJ_sqrt 1 339574161 110055
## - YOJ 1 339574925 110055
## - MVR_PTS 1 339577640 110055
## - TIF_log 1 339578734 110055
## - MVR_PTS_cbrt 1 339578765 110055
## - TIF_cbrt 1 339580525 110055
## - MVR_PTS_sqrt 1 339581629 110055
## - TIF_sqrt 1 339582668 110055
## - TRAVTIME_cbrt 1 339586761 110055
## - TRAVTIME_sqrt 1 339586768 110055
## - TRAVTIME_log 1 339587854 110055
## - MVR_PTS_log 1 339589888 110055
## - CAR_USE 1 339591132 110055
## - CAR_AGE 1 339593399 110055
## - CAR_AGE_log 1 339594015 110055
## - BLUEBOOK 1 339605166 110056
## - BLUEBOOK_sqrt 1 339606375 110056
## - BLUEBOOK_cbrt 1 339608381 110056
## <none> 339546196 110056
## - CAR_AGE_sqrt 1 339654177 110057
## - OLDCLAIM 1 339658208 110057
## - CAR_AGE_cbrt 1 339663240 110057
## - RED_CAR 1 339663708 110057
## - OLDCLAIM_sqrt 1 339669020 110057
## - OLDCLAIM_cbrt 1 339675582 110057
## - OLDCLAIM_log 1 339690476 110058
## - SEX 1 339690494 110058
## - KIDSDRIV 4 339956868 110058
## - PARENT1 1 339742980 110059
## - CAR_AGE_fact 2 339868847 110060
## - TRT_MVR_PRODUCT 1 339851035 110062
## - TARGET_FLAG 1 698448026 115940
## - TARGET_AMT_log 1 1396139025 121593
## - TARGET_AMT_cbrt 1 3305905927 128628
## - TARGET_AMT_sqrt 1 6116100923 133648
##
## Step: AIC=110054.5
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM +
## MVR_PTS + CAR_AGE + TARGET_AMT_log + INCOME_log + TRAVTIME_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## HV_INC_RATIO + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - HV_INC_RATIO 1 339566176 110053
## - INCOME_sqrt 1 339576599 110053
## - HOME_VAL 1 339577149 110053
## - INCOME_log 1 339578226 110053
## - INCOME 1 339578342 110053
## - YOJ_cbrt 1 339579013 110053
## - YOJ_sqrt 1 339579983 110053
## - YOJ 1 339580562 110053
## - MVR_PTS 1 339586966 110053
## - TIF_log 1 339587494 110053
## - MVR_PTS_cbrt 1 339588070 110053
## - TIF_cbrt 1 339589300 110053
## - MVR_PTS_sqrt 1 339590962 110053
## - TIF_sqrt 1 339591458 110053
## - TRAVTIME_cbrt 1 339595321 110053
## - TRAVTIME_sqrt 1 339595334 110053
## - TRAVTIME_log 1 339596402 110054
## - MVR_PTS_log 1 339599281 110054
## - CAR_AGE 1 339600581 110054
## - CAR_AGE_log 1 339600942 110054
## - CAR_USE 1 339601676 110054
## - BLUEBOOK 1 339612872 110054
## - BLUEBOOK_sqrt 1 339613844 110054
## - BLUEBOOK_cbrt 1 339615774 110054
## <none> 339554420 110054
## - AGE 1 339638854 110055
## - CAR_AGE_sqrt 1 339660912 110055
## - OLDCLAIM 1 339667101 110055
## - CAR_AGE_cbrt 1 339670529 110055
## - RED_CAR 1 339676114 110055
## - OLDCLAIM_sqrt 1 339678121 110055
## - OLDCLAIM_cbrt 1 339684756 110056
## - OLDCLAIM_log 1 339699730 110056
## - SEX 1 339699742 110056
## - KIDSDRIV 4 339964630 110056
## - PARENT1 1 339764401 110058
## - CAR_AGE_fact 2 339876014 110058
## - TRT_MVR_PRODUCT 1 339857749 110060
## - TARGET_FLAG 1 698456877 115939
## - TARGET_AMT_log 1 1396195660 121591
## - TARGET_AMT_cbrt 1 3306048418 128626
## - TARGET_AMT_sqrt 1 6116409008 133647
##
## Step: AIC=110052.8
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM +
## MVR_PTS + CAR_AGE + TARGET_AMT_log + INCOME_log + TRAVTIME_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## YOJ_sqrt + INCOME_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## TIF_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + YOJ_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - INCOME_sqrt 1 339585650 110051
## - INCOME_log 1 339587273 110051
## - INCOME 1 339587928 110051
## - HOME_VAL 1 339587951 110051
## - YOJ_cbrt 1 339590376 110051
## - YOJ_sqrt 1 339591494 110051
## - YOJ 1 339592216 110051
## - MVR_PTS 1 339599037 110052
## - TIF_log 1 339599392 110052
## - MVR_PTS_cbrt 1 339600155 110052
## - TIF_cbrt 1 339601184 110052
## - MVR_PTS_sqrt 1 339603060 110052
## - TIF_sqrt 1 339603321 110052
## - TRAVTIME_cbrt 1 339606701 110052
## - TRAVTIME_sqrt 1 339606719 110052
## - TRAVTIME_log 1 339607772 110052
## - MVR_PTS_log 1 339611419 110052
## - CAR_AGE 1 339612493 110052
## - CAR_AGE_log 1 339612788 110052
## - CAR_USE 1 339613605 110052
## - BLUEBOOK 1 339623870 110052
## - BLUEBOOK_sqrt 1 339624895 110052
## - BLUEBOOK_cbrt 1 339626846 110052
## <none> 339566176 110053
## - AGE 1 339651560 110053
## - CAR_AGE_sqrt 1 339672998 110053
## - OLDCLAIM 1 339679173 110053
## - CAR_AGE_cbrt 1 339682625 110054
## - RED_CAR 1 339687659 110054
## - OLDCLAIM_sqrt 1 339690160 110054
## - OLDCLAIM_cbrt 1 339696783 110054
## - OLDCLAIM_log 1 339711752 110054
## - SEX 1 339712268 110054
## - KIDSDRIV 4 339976637 110055
## - PARENT1 1 339775181 110056
## - CAR_AGE_fact 2 339887318 110056
## - TRT_MVR_PRODUCT 1 339869736 110058
## - TARGET_FLAG 1 698507074 115937
## - TARGET_AMT_log 1 1396257221 121589
## - TARGET_AMT_cbrt 1 3306099518 128624
## - TARGET_AMT_sqrt 1 6116450441 133645
##
## Step: AIC=110051.2
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM +
## MVR_PTS + CAR_AGE + TARGET_AMT_log + INCOME_log + TRAVTIME_log +
## TIF_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## YOJ_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + YOJ_cbrt +
## TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt +
## MVR_PTS_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - INCOME_log 1 339587380 110049
## - INCOME 1 339587985 110049
## - HOME_VAL 1 339605045 110050
## - YOJ_cbrt 1 339606640 110050
## - YOJ_sqrt 1 339609202 110050
## - YOJ 1 339611498 110050
## - TIF_log 1 339618062 110050
## - MVR_PTS 1 339618205 110050
## - MVR_PTS_cbrt 1 339619335 110050
## - TIF_cbrt 1 339619818 110050
## - TIF_sqrt 1 339621925 110050
## - MVR_PTS_sqrt 1 339622229 110050
## - TRAVTIME_sqrt 1 339625132 110050
## - TRAVTIME_cbrt 1 339625141 110050
## - TRAVTIME_log 1 339626236 110050
## - CAR_USE 1 339630374 110050
## - MVR_PTS_log 1 339630570 110050
## - CAR_AGE_log 1 339632199 110050
## - CAR_AGE 1 339634254 110050
## - BLUEBOOK 1 339635897 110050
## - BLUEBOOK_sqrt 1 339638265 110051
## - BLUEBOOK_cbrt 1 339640744 110051
## <none> 339585650 110051
## - AGE 1 339674615 110051
## - CAR_AGE_sqrt 1 339695850 110052
## - OLDCLAIM 1 339696657 110052
## - CAR_AGE_cbrt 1 339705514 110052
## - RED_CAR 1 339706663 110052
## - OLDCLAIM_sqrt 1 339707549 110052
## - OLDCLAIM_cbrt 1 339714127 110052
## - OLDCLAIM_log 1 339728992 110053
## - SEX 1 339729949 110053
## - KIDSDRIV 4 339994958 110053
## - PARENT1 1 339795119 110054
## - CAR_AGE_fact 2 339903093 110055
## - TRT_MVR_PRODUCT 1 339887483 110056
## - TARGET_FLAG 1 698552966 115936
## - TARGET_AMT_log 1 1396276706 121588
## - TARGET_AMT_cbrt 1 3306113891 128622
## - TARGET_AMT_sqrt 1 6116608531 133643
##
## Step: AIC=110049.3
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + INCOME + PARENT1 +
## HOME_VAL + SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM +
## MVR_PTS + CAR_AGE + TARGET_AMT_log + TRAVTIME_log + TIF_log +
## OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt +
## YOJ_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + YOJ_cbrt +
## TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt +
## MVR_PTS_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - INCOME 1 339589826 110047
## - HOME_VAL 1 339606757 110048
## - YOJ_cbrt 1 339608548 110048
## - YOJ_sqrt 1 339611079 110048
## - YOJ 1 339613331 110048
## - MVR_PTS 1 339619999 110048
## - TIF_log 1 339620021 110048
## - MVR_PTS_cbrt 1 339621137 110048
## - TIF_cbrt 1 339621780 110048
## - TIF_sqrt 1 339623888 110048
## - MVR_PTS_sqrt 1 339624032 110048
## - TRAVTIME_sqrt 1 339626650 110048
## - TRAVTIME_cbrt 1 339626659 110048
## - TRAVTIME_log 1 339627755 110048
## - CAR_USE 1 339632375 110048
## - MVR_PTS_log 1 339632381 110048
## - CAR_AGE_log 1 339633923 110048
## - CAR_AGE 1 339636036 110048
## - BLUEBOOK 1 339638189 110049
## - BLUEBOOK_sqrt 1 339640484 110049
## - BLUEBOOK_cbrt 1 339642930 110049
## <none> 339587380 110049
## - AGE 1 339675690 110049
## - CAR_AGE_sqrt 1 339697670 110050
## - OLDCLAIM 1 339698095 110050
## - CAR_AGE_cbrt 1 339707352 110050
## - RED_CAR 1 339708354 110050
## - OLDCLAIM_sqrt 1 339709061 110050
## - OLDCLAIM_cbrt 1 339715670 110050
## - OLDCLAIM_log 1 339730576 110051
## - SEX 1 339731998 110051
## - KIDSDRIV 4 339997139 110051
## - PARENT1 1 339796178 110052
## - CAR_AGE_fact 2 339904913 110053
## - TRT_MVR_PRODUCT 1 339889579 110055
## - TARGET_FLAG 1 698776794 115936
## - TARGET_AMT_log 1 1396828629 121589
## - TARGET_AMT_cbrt 1 3307262148 128623
## - TARGET_AMT_sqrt 1 6118592374 133644
##
## Step: AIC=110047.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + MVR_PTS +
## CAR_AGE + TARGET_AMT_log + TRAVTIME_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + YOJ_cbrt +
## TRAVTIME_cbrt + BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt +
## MVR_PTS_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - YOJ_cbrt 1 339610852 110046
## - YOJ_sqrt 1 339613186 110046
## - YOJ 1 339615183 110046
## - TIF_log 1 339622330 110046
## - MVR_PTS 1 339622523 110046
## - MVR_PTS_cbrt 1 339623661 110046
## - TIF_cbrt 1 339624072 110046
## - HOME_VAL 1 339625485 110046
## - TIF_sqrt 1 339626162 110046
## - MVR_PTS_sqrt 1 339626569 110046
## - TRAVTIME_cbrt 1 339629356 110046
## - TRAVTIME_sqrt 1 339629361 110046
## - TRAVTIME_log 1 339630434 110046
## - MVR_PTS_log 1 339634947 110046
## - CAR_USE 1 339635499 110046
## - CAR_AGE_log 1 339635980 110046
## - CAR_AGE 1 339637809 110047
## - BLUEBOOK 1 339639724 110047
## - BLUEBOOK_sqrt 1 339642514 110047
## - BLUEBOOK_cbrt 1 339645063 110047
## <none> 339589826 110047
## - AGE 1 339677376 110047
## - CAR_AGE_sqrt 1 339698768 110048
## - OLDCLAIM 1 339700422 110048
## - CAR_AGE_cbrt 1 339708506 110048
## - RED_CAR 1 339710343 110048
## - OLDCLAIM_sqrt 1 339711328 110048
## - OLDCLAIM_cbrt 1 339717911 110048
## - OLDCLAIM_log 1 339732779 110049
## - SEX 1 339735662 110049
## - KIDSDRIV 4 339998933 110049
## - PARENT1 1 339796229 110050
## - CAR_AGE_fact 2 339908306 110051
## - TRT_MVR_PRODUCT 1 339892727 110053
## - TARGET_FLAG 1 698812003 115935
## - TARGET_AMT_log 1 1396909225 121587
## - TARGET_AMT_cbrt 1 3307443658 128621
## - TARGET_AMT_sqrt 1 6118881775 133642
##
## Step: AIC=110045.9
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + YOJ + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + MVR_PTS +
## CAR_AGE + TARGET_AMT_log + TRAVTIME_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - YOJ 1 339619826 110044
## - YOJ_sqrt 1 339631750 110044
## - TIF_log 1 339643059 110045
## - MVR_PTS 1 339644236 110045
## - TIF_cbrt 1 339644751 110045
## - MVR_PTS_cbrt 1 339645394 110045
## - TIF_sqrt 1 339646767 110045
## - HOME_VAL 1 339647975 110045
## - MVR_PTS_sqrt 1 339648328 110045
## - TRAVTIME_cbrt 1 339650177 110045
## - TRAVTIME_sqrt 1 339650183 110045
## - TRAVTIME_log 1 339651248 110045
## - CAR_USE 1 339655235 110045
## - MVR_PTS_log 1 339656774 110045
## - CAR_AGE_log 1 339659217 110045
## - CAR_AGE 1 339660160 110045
## - BLUEBOOK 1 339661161 110045
## - BLUEBOOK_sqrt 1 339663762 110045
## - BLUEBOOK_cbrt 1 339666242 110045
## - AGE 1 339692954 110046
## <none> 339610852 110046
## - OLDCLAIM 1 339721292 110047
## - CAR_AGE_sqrt 1 339721459 110047
## - CAR_AGE_cbrt 1 339729943 110047
## - RED_CAR 1 339731678 110047
## - OLDCLAIM_sqrt 1 339731953 110047
## - OLDCLAIM_cbrt 1 339738433 110047
## - OLDCLAIM_log 1 339753148 110047
## - SEX 1 339756670 110047
## - KIDSDRIV 4 340025939 110048
## - PARENT1 1 339820295 110049
## - CAR_AGE_fact 2 339930092 110050
## - TRT_MVR_PRODUCT 1 339912419 110051
## - TARGET_FLAG 1 698813111 115933
## - TARGET_AMT_log 1 1396955980 121586
## - TARGET_AMT_cbrt 1 3307726559 128620
## - TARGET_AMT_sqrt 1 6119593775 133641
##
## Step: AIC=110044.1
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + MVR_PTS +
## CAR_AGE + TARGET_AMT_log + TRAVTIME_log + TIF_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - TIF_log 1 339651857 110043
## - MVR_PTS 1 339653240 110043
## - TIF_cbrt 1 339653527 110043
## - YOJ_sqrt 1 339654215 110043
## - MVR_PTS_cbrt 1 339654424 110043
## - TIF_sqrt 1 339655516 110043
## - MVR_PTS_sqrt 1 339657354 110043
## - HOME_VAL 1 339657788 110043
## - TRAVTIME_sqrt 1 339658552 110043
## - TRAVTIME_cbrt 1 339658560 110043
## - TRAVTIME_log 1 339659644 110043
## - CAR_USE 1 339663670 110043
## - MVR_PTS_log 1 339665803 110043
## - CAR_AGE_log 1 339668444 110043
## - CAR_AGE 1 339668944 110043
## - BLUEBOOK 1 339669779 110043
## - BLUEBOOK_sqrt 1 339672597 110043
## - BLUEBOOK_cbrt 1 339675221 110043
## - AGE 1 339696253 110044
## <none> 339619826 110044
## - CAR_AGE_sqrt 1 339730141 110045
## - OLDCLAIM 1 339730345 110045
## - CAR_AGE_cbrt 1 339738412 110045
## - RED_CAR 1 339739933 110045
## - OLDCLAIM_sqrt 1 339740996 110045
## - OLDCLAIM_cbrt 1 339747453 110045
## - OLDCLAIM_log 1 339762119 110045
## - SEX 1 339763062 110046
## - KIDSDRIV 4 340037426 110046
## - PARENT1 1 339829526 110047
## - CAR_AGE_fact 2 339938998 110048
## - TRT_MVR_PRODUCT 1 339920535 110049
## - TARGET_FLAG 1 698838413 115931
## - TARGET_AMT_log 1 1397047277 121584
## - TARGET_AMT_cbrt 1 3308034966 128619
## - TARGET_AMT_sqrt 1 6120165228 133640
##
## Step: AIC=110042.8
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + MVR_PTS +
## CAR_AGE + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + TIF_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt +
## CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - TIF_cbrt 1 339657869 110041
## - TIF_sqrt 1 339658334 110041
## - MVR_PTS 1 339684698 110042
## - YOJ_sqrt 1 339685544 110042
## - MVR_PTS_cbrt 1 339685887 110042
## - MVR_PTS_sqrt 1 339688825 110042
## - HOME_VAL 1 339689749 110042
## - TRAVTIME_sqrt 1 339689807 110042
## - TRAVTIME_cbrt 1 339689817 110042
## - TRAVTIME_log 1 339690898 110042
## - MVR_PTS_log 1 339697282 110042
## - CAR_USE 1 339697305 110042
## - CAR_AGE_log 1 339700499 110042
## - CAR_AGE 1 339700979 110042
## - BLUEBOOK 1 339702067 110042
## - BLUEBOOK_sqrt 1 339704833 110042
## - BLUEBOOK_cbrt 1 339707451 110042
## - AGE 1 339728066 110043
## <none> 339651857 110043
## - OLDCLAIM 1 339761441 110043
## - CAR_AGE_sqrt 1 339761755 110043
## - CAR_AGE_cbrt 1 339769717 110044
## - OLDCLAIM_sqrt 1 339771793 110044
## - RED_CAR 1 339773584 110044
## - OLDCLAIM_cbrt 1 339778127 110044
## - OLDCLAIM_log 1 339792579 110044
## - SEX 1 339796637 110044
## - KIDSDRIV 4 340068274 110045
## - PARENT1 1 339861078 110046
## - CAR_AGE_fact 2 339968106 110046
## - TRT_MVR_PRODUCT 1 339949604 110048
## - TARGET_FLAG 1 698877540 115929
## - TARGET_AMT_log 1 1397088306 121582
## - TARGET_AMT_cbrt 1 3308072182 128617
## - TARGET_AMT_sqrt 1 6120201946 133638
##
## Step: AIC=110041
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + MVR_PTS +
## CAR_AGE + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + TIF_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt +
## TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - TIF_sqrt 1 339660000 110039
## - MVR_PTS 1 339690395 110040
## - YOJ_sqrt 1 339691510 110040
## - MVR_PTS_cbrt 1 339691584 110040
## - MVR_PTS_sqrt 1 339694518 110040
## - HOME_VAL 1 339695457 110040
## - TRAVTIME_sqrt 1 339695891 110040
## - TRAVTIME_cbrt 1 339695910 110040
## - TRAVTIME_log 1 339697007 110040
## - MVR_PTS_log 1 339702958 110040
## - CAR_USE 1 339703290 110040
## - CAR_AGE_log 1 339706359 110040
## - CAR_AGE 1 339707299 110040
## - BLUEBOOK 1 339708470 110040
## - BLUEBOOK_sqrt 1 339711304 110040
## - BLUEBOOK_cbrt 1 339713951 110040
## - AGE 1 339733905 110041
## <none> 339657869 110041
## - CAR_AGE_sqrt 1 339768372 110042
## - OLDCLAIM 1 339769467 110042
## - CAR_AGE_cbrt 1 339776542 110042
## - RED_CAR 1 339779401 110042
## - OLDCLAIM_sqrt 1 339779910 110042
## - OLDCLAIM_cbrt 1 339786291 110042
## - OLDCLAIM_log 1 339800852 110042
## - SEX 1 339801929 110042
## - KIDSDRIV 4 340074360 110043
## - PARENT1 1 339866827 110044
## - CAR_AGE_fact 2 339975037 110045
## - TRT_MVR_PRODUCT 1 339954791 110046
## - TARGET_FLAG 1 699000143 115929
## - TARGET_AMT_log 1 1397419274 121582
## - TARGET_AMT_cbrt 1 3308748942 128617
## - TARGET_AMT_sqrt 1 6121305877 133637
##
## Step: AIC=110039
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + MVR_PTS +
## CAR_AGE + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt +
## TRAVTIME_sqrt + BLUEBOOK_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt +
## OLDCLAIM_cbrt + MVR_PTS_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT +
## CAR_AGE_fact
##
## Df Deviance AIC
## - MVR_PTS 1 339692615 110038
## - MVR_PTS_cbrt 1 339693802 110038
## - YOJ_sqrt 1 339694101 110038
## - MVR_PTS_sqrt 1 339696737 110038
## - TRAVTIME_sqrt 1 339697740 110038
## - TRAVTIME_cbrt 1 339697751 110038
## - HOME_VAL 1 339697943 110038
## - TRAVTIME_log 1 339698829 110038
## - CAR_USE 1 339705047 110038
## - MVR_PTS_log 1 339705175 110038
## - CAR_AGE_log 1 339708932 110038
## - CAR_AGE 1 339709669 110038
## - BLUEBOOK 1 339710351 110038
## - BLUEBOOK_sqrt 1 339713243 110038
## - BLUEBOOK_cbrt 1 339715906 110038
## - AGE 1 339735881 110039
## <none> 339660000 110039
## - OLDCLAIM 1 339771015 110040
## - CAR_AGE_sqrt 1 339771091 110040
## - CAR_AGE_cbrt 1 339779208 110040
## - RED_CAR 1 339781362 110040
## - OLDCLAIM_sqrt 1 339781403 110040
## - OLDCLAIM_cbrt 1 339787758 110040
## - OLDCLAIM_log 1 339802273 110040
## - SEX 1 339804108 110040
## - KIDSDRIV 4 340078372 110041
## - PARENT1 1 339869175 110042
## - CAR_AGE_fact 2 339978999 110043
## - TRT_MVR_PRODUCT 1 339956664 110044
## - TARGET_FLAG 1 699035801 115927
## - TARGET_AMT_log 1 1397515088 121581
## - TARGET_AMT_cbrt 1 3308911887 128615
## - TARGET_AMT_sqrt 1 6121552885 133636
##
## Step: AIC=110037.8
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + CAR_AGE +
## TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log + MVR_PTS_log +
## CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + OLDCLAIM_cbrt +
## MVR_PTS_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - MVR_PTS_cbrt 1 339704801 110036
## - YOJ_sqrt 1 339725991 110037
## - HOME_VAL 1 339730125 110037
## - TRAVTIME_cbrt 1 339731411 110037
## - TRAVTIME_sqrt 1 339731413 110037
## - TRAVTIME_log 1 339732463 110037
## - CAR_USE 1 339736651 110037
## - CAR_AGE_log 1 339740973 110037
## - CAR_AGE 1 339742789 110037
## - BLUEBOOK 1 339742881 110037
## - BLUEBOOK_sqrt 1 339745586 110037
## - BLUEBOOK_cbrt 1 339748172 110037
## - MVR_PTS_sqrt 1 339756413 110037
## - AGE 1 339766396 110038
## <none> 339692615 110038
## - OLDCLAIM 1 339802745 110038
## - CAR_AGE_sqrt 1 339804525 110039
## - MVR_PTS_log 1 339807268 110039
## - CAR_AGE_cbrt 1 339813069 110039
## - RED_CAR 1 339813363 110039
## - OLDCLAIM_sqrt 1 339813865 110039
## - OLDCLAIM_cbrt 1 339820541 110039
## - OLDCLAIM_log 1 339835677 110039
## - SEX 1 339836679 110039
## - KIDSDRIV 4 340109513 110040
## - PARENT1 1 339898739 110041
## - CAR_AGE_fact 2 340012523 110041
## - TRT_MVR_PRODUCT 1 339987349 110043
## - TARGET_FLAG 1 699045411 115925
## - TARGET_AMT_log 1 1397641504 121580
## - TARGET_AMT_cbrt 1 3309424189 128614
## - TARGET_AMT_sqrt 1 6122629487 133635
##
## Step: AIC=110036.1
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + CAR_AGE +
## TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log + MVR_PTS_log +
## CAR_AGE_log + TARGET_AMT_sqrt + YOJ_sqrt + TRAVTIME_sqrt +
## BLUEBOOK_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + TRAVTIME_cbrt + BLUEBOOK_cbrt + OLDCLAIM_cbrt +
## CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - YOJ_sqrt 1 339738924 110035
## - HOME_VAL 1 339741345 110035
## - TRAVTIME_cbrt 1 339743659 110035
## - TRAVTIME_sqrt 1 339743831 110035
## - TRAVTIME_log 1 339744574 110035
## - CAR_USE 1 339750045 110035
## - CAR_AGE_log 1 339755208 110035
## - BLUEBOOK 1 339755472 110035
## - CAR_AGE 1 339756036 110035
## - BLUEBOOK_sqrt 1 339758173 110035
## - BLUEBOOK_cbrt 1 339760760 110035
## - MVR_PTS_sqrt 1 339779911 110036
## - AGE 1 339780042 110036
## <none> 339704801 110036
## - OLDCLAIM 1 339816043 110037
## - CAR_AGE_sqrt 1 339818189 110037
## - MVR_PTS_log 1 339818936 110037
## - RED_CAR 1 339824858 110037
## - CAR_AGE_cbrt 1 339825711 110037
## - OLDCLAIM_sqrt 1 339827144 110037
## - OLDCLAIM_cbrt 1 339833832 110037
## - SEX 1 339848286 110038
## - OLDCLAIM_log 1 339849155 110038
## - KIDSDRIV 4 340125318 110038
## - PARENT1 1 339910831 110039
## - CAR_AGE_fact 2 340027574 110040
## - TRT_MVR_PRODUCT 1 340212017 110046
## - TARGET_FLAG 1 699104609 115924
## - TARGET_AMT_log 1 1397840291 121579
## - TARGET_AMT_cbrt 1 3310066275 128614
## - TARGET_AMT_sqrt 1 6123946297 133635
##
## Step: AIC=110034.9
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + HOME_VAL +
## SEX + CAR_USE + BLUEBOOK + RED_CAR + OLDCLAIM + CAR_AGE +
## TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log + MVR_PTS_log +
## CAR_AGE_log + TARGET_AMT_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt +
## OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt +
## TRAVTIME_cbrt + BLUEBOOK_cbrt + OLDCLAIM_cbrt + CAR_AGE_cbrt +
## TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - HOME_VAL 1 339761765 110033
## - TRAVTIME_cbrt 1 339776587 110034
## - TRAVTIME_sqrt 1 339776764 110034
## - TRAVTIME_log 1 339777470 110034
## - CAR_USE 1 339784667 110034
## - CAR_AGE_log 1 339785870 110034
## - BLUEBOOK 1 339788912 110034
## - CAR_AGE 1 339789194 110034
## - BLUEBOOK_sqrt 1 339792809 110034
## - BLUEBOOK_cbrt 1 339796046 110034
## - MVR_PTS_sqrt 1 339814874 110035
## - AGE 1 339819360 110035
## <none> 339738924 110035
## - OLDCLAIM 1 339850097 110036
## - CAR_AGE_sqrt 1 339850612 110036
## - MVR_PTS_log 1 339853999 110036
## - CAR_AGE_cbrt 1 339859676 110036
## - RED_CAR 1 339860073 110036
## - OLDCLAIM_sqrt 1 339861042 110036
## - OLDCLAIM_cbrt 1 339867675 110036
## - SEX 1 339875106 110036
## - OLDCLAIM_log 1 339882893 110036
## - KIDSDRIV 4 340157176 110037
## - PARENT1 1 339952892 110038
## - CAR_AGE_fact 2 340056059 110039
## - TRT_MVR_PRODUCT 1 340246787 110045
## - TARGET_FLAG 1 699220053 115923
## - TARGET_AMT_log 1 1398023163 121578
## - TARGET_AMT_cbrt 1 3310304007 128612
## - TARGET_AMT_sqrt 1 6124213058 133633
##
## Step: AIC=110033.5
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + CAR_USE +
## BLUEBOOK + RED_CAR + OLDCLAIM + CAR_AGE + TARGET_AMT_log +
## TRAVTIME_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log +
## TARGET_AMT_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + TRAVTIME_cbrt +
## BLUEBOOK_cbrt + OLDCLAIM_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT +
## CAR_AGE_fact
##
## Df Deviance AIC
## - TRAVTIME_cbrt 1 339800442 110032
## - TRAVTIME_sqrt 1 339800653 110032
## - TRAVTIME_log 1 339801296 110032
## - CAR_USE 1 339808016 110033
## - CAR_AGE_log 1 339808740 110033
## - CAR_AGE 1 339810053 110033
## - BLUEBOOK 1 339810127 110033
## - BLUEBOOK_sqrt 1 339814695 110033
## - BLUEBOOK_cbrt 1 339817977 110033
## - AGE 1 339836117 110033
## - MVR_PTS_sqrt 1 339837726 110033
## <none> 339761765 110033
## - CAR_AGE_sqrt 1 339870534 110034
## - OLDCLAIM 1 339871946 110034
## - MVR_PTS_log 1 339876843 110034
## - CAR_AGE_cbrt 1 339879731 110034
## - OLDCLAIM_sqrt 1 339882895 110034
## - RED_CAR 1 339887058 110034
## - OLDCLAIM_cbrt 1 339889520 110035
## - SEX 1 339904530 110035
## - OLDCLAIM_log 1 339904606 110035
## - KIDSDRIV 4 340180297 110036
## - CAR_AGE_fact 2 340084099 110037
## - PARENT1 1 340017642 110038
## - TRT_MVR_PRODUCT 1 340270274 110044
## - TARGET_FLAG 1 699222558 115921
## - TARGET_AMT_log 1 1398023206 121576
## - TARGET_AMT_cbrt 1 3310312719 128610
## - TARGET_AMT_sqrt 1 6124242540 133631
##
## Step: AIC=110032.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + CAR_USE +
## BLUEBOOK + RED_CAR + OLDCLAIM + CAR_AGE + TARGET_AMT_log +
## TRAVTIME_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log +
## TARGET_AMT_sqrt + TRAVTIME_sqrt + BLUEBOOK_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + BLUEBOOK_cbrt +
## OLDCLAIM_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - TRAVTIME_sqrt 1 339800890 110030
## - TRAVTIME_log 1 339802765 110030
## - CAR_AGE_log 1 339844800 110031
## - CAR_USE 1 339845411 110031
## - CAR_AGE 1 339848281 110032
## - BLUEBOOK 1 339848597 110032
## - BLUEBOOK_sqrt 1 339853071 110032
## - BLUEBOOK_cbrt 1 339856277 110032
## - AGE 1 339873917 110032
## - MVR_PTS_sqrt 1 339874910 110032
## <none> 339800442 110032
## - CAR_AGE_sqrt 1 339909174 110033
## - OLDCLAIM 1 339909514 110033
## - MVR_PTS_log 1 339913943 110033
## - CAR_AGE_cbrt 1 339920224 110033
## - OLDCLAIM_sqrt 1 339920410 110033
## - RED_CAR 1 339926969 110033
## - OLDCLAIM_cbrt 1 339927005 110033
## - OLDCLAIM_log 1 339942070 110034
## - SEX 1 339945528 110034
## - KIDSDRIV 4 340213812 110034
## - CAR_AGE_fact 2 340123401 110036
## - PARENT1 1 340055774 110037
## - TRT_MVR_PRODUCT 1 340312819 110043
## - TARGET_FLAG 1 699318831 115921
## - TARGET_AMT_log 1 1398210133 121575
## - TARGET_AMT_cbrt 1 3310683476 128609
## - TARGET_AMT_sqrt 1 6124830167 133630
##
## Step: AIC=110030.4
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + CAR_USE +
## BLUEBOOK + RED_CAR + OLDCLAIM + CAR_AGE + TARGET_AMT_log +
## TRAVTIME_log + OLDCLAIM_log + MVR_PTS_log + CAR_AGE_log +
## TARGET_AMT_sqrt + BLUEBOOK_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + BLUEBOOK_cbrt + OLDCLAIM_cbrt +
## CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - CAR_AGE_log 1 339845128 110029
## - CAR_USE 1 339845715 110029
## - CAR_AGE 1 339848545 110030
## - BLUEBOOK 1 339848951 110030
## - BLUEBOOK_sqrt 1 339853435 110030
## - BLUEBOOK_cbrt 1 339856640 110030
## - AGE 1 339874392 110030
## - MVR_PTS_sqrt 1 339875143 110030
## <none> 339800890 110030
## - TRAVTIME_log 1 339908472 110031
## - CAR_AGE_sqrt 1 339909372 110031
## - OLDCLAIM 1 339909855 110031
## - MVR_PTS_log 1 339914000 110031
## - CAR_AGE_cbrt 1 339920472 110031
## - OLDCLAIM_sqrt 1 339920725 110031
## - OLDCLAIM_cbrt 1 339927311 110031
## - RED_CAR 1 339927318 110031
## - OLDCLAIM_log 1 339942370 110032
## - SEX 1 339946134 110032
## - KIDSDRIV 4 340213960 110032
## - CAR_AGE_fact 2 340124355 110034
## - PARENT1 1 340056263 110035
## - TRT_MVR_PRODUCT 1 340335721 110041
## - TARGET_FLAG 1 699319319 115919
## - TARGET_AMT_log 1 1398215001 121573
## - TARGET_AMT_cbrt 1 3310719336 128607
## - TARGET_AMT_sqrt 1 6124920178 133628
##
## Step: AIC=110029.5
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + CAR_USE +
## BLUEBOOK + RED_CAR + OLDCLAIM + CAR_AGE + TARGET_AMT_log +
## TRAVTIME_log + OLDCLAIM_log + MVR_PTS_log + TARGET_AMT_sqrt +
## BLUEBOOK_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + BLUEBOOK_cbrt + OLDCLAIM_cbrt + CAR_AGE_cbrt +
## TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - CAR_AGE 1 339862142 110028
## - CAR_USE 1 339890353 110029
## - BLUEBOOK 1 339893154 110029
## - BLUEBOOK_sqrt 1 339897808 110029
## - BLUEBOOK_cbrt 1 339901094 110029
## - CAR_AGE_sqrt 1 339915780 110029
## - AGE 1 339918702 110029
## - MVR_PTS_sqrt 1 339920510 110029
## <none> 339845128 110029
## - TRAVTIME_log 1 339952546 110030
## - OLDCLAIM 1 339956226 110030
## - CAR_AGE_cbrt 1 339957284 110030
## - MVR_PTS_log 1 339959697 110030
## - OLDCLAIM_sqrt 1 339967074 110030
## - RED_CAR 1 339972993 110031
## - OLDCLAIM_cbrt 1 339973629 110031
## - KIDSDRIV 4 340226218 110031
## - OLDCLAIM_log 1 339988695 110031
## - SEX 1 339990641 110031
## - CAR_AGE_fact 2 340133132 110032
## - PARENT1 1 340105595 110034
## - TRT_MVR_PRODUCT 1 340380464 110040
## - TARGET_FLAG 1 699350724 115917
## - TARGET_AMT_log 1 1398227529 121571
## - TARGET_AMT_cbrt 1 3310720537 128605
## - TARGET_AMT_sqrt 1 6124920179 133626
##
## Step: AIC=110027.9
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + CAR_USE +
## BLUEBOOK + RED_CAR + OLDCLAIM + TARGET_AMT_log + TRAVTIME_log +
## OLDCLAIM_log + MVR_PTS_log + TARGET_AMT_sqrt + BLUEBOOK_sqrt +
## OLDCLAIM_sqrt + MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt +
## BLUEBOOK_cbrt + OLDCLAIM_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT +
## CAR_AGE_fact
##
## Df Deviance AIC
## - CAR_USE 1 339906774 110027
## - BLUEBOOK 1 339910391 110027
## - BLUEBOOK_sqrt 1 339915278 110027
## - BLUEBOOK_cbrt 1 339918668 110027
## - AGE 1 339936868 110028
## - MVR_PTS_sqrt 1 339937089 110028
## <none> 339862142 110028
## - TRAVTIME_log 1 339968738 110028
## - OLDCLAIM 1 339972306 110029
## - MVR_PTS_log 1 339976098 110029
## - OLDCLAIM_sqrt 1 339983317 110029
## - RED_CAR 1 339987583 110029
## - OLDCLAIM_cbrt 1 339989926 110029
## - KIDSDRIV 4 340245171 110029
## - OLDCLAIM_log 1 340005043 110029
## - SEX 1 340005219 110029
## - CAR_AGE_sqrt 1 340036968 110030
## - CAR_AGE_cbrt 1 340071278 110031
## - CAR_AGE_fact 2 340187093 110032
## - PARENT1 1 340122450 110032
## - TRT_MVR_PRODUCT 1 340397195 110039
## - TARGET_FLAG 1 699363292 115915
## - TARGET_AMT_log 1 1398237555 121569
## - TARGET_AMT_cbrt 1 3310723877 128603
## - TARGET_AMT_sqrt 1 6124920350 133624
##
## Step: AIC=110027
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + BLUEBOOK +
## RED_CAR + OLDCLAIM + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + TARGET_AMT_sqrt + BLUEBOOK_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + BLUEBOOK_cbrt +
## OLDCLAIM_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - BLUEBOOK 1 339950040 110026
## - BLUEBOOK_sqrt 1 339956424 110026
## - BLUEBOOK_cbrt 1 339960029 110026
## - MVR_PTS_sqrt 1 339984056 110027
## - AGE 1 339988702 110027
## <none> 339906774 110027
## - TRAVTIME_log 1 340010658 110027
## - OLDCLAIM 1 340015085 110028
## - MVR_PTS_log 1 340023231 110028
## - OLDCLAIM_sqrt 1 340026200 110028
## - RED_CAR 1 340030901 110028
## - OLDCLAIM_cbrt 1 340032893 110028
## - KIDSDRIV 4 340289833 110028
## - OLDCLAIM_log 1 340048248 110028
## - CAR_AGE_sqrt 1 340085959 110029
## - SEX 1 340094150 110029
## - CAR_AGE_cbrt 1 340120309 110030
## - CAR_AGE_fact 2 340235244 110031
## - PARENT1 1 340169259 110031
## - TRT_MVR_PRODUCT 1 340437695 110038
## - TARGET_FLAG 1 699371938 115913
## - TARGET_AMT_log 1 1398280285 121567
## - TARGET_AMT_cbrt 1 3310928475 128602
## - TARGET_AMT_sqrt 1 6125360580 133623
##
## Step: AIC=110026
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + RED_CAR +
## OLDCLAIM + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + TARGET_AMT_sqrt + BLUEBOOK_sqrt + OLDCLAIM_sqrt +
## MVR_PTS_sqrt + CAR_AGE_sqrt + TARGET_AMT_cbrt + BLUEBOOK_cbrt +
## OLDCLAIM_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - BLUEBOOK_sqrt 1 339961724 110024
## - BLUEBOOK_cbrt 1 339965876 110024
## - MVR_PTS_sqrt 1 340026682 110026
## - AGE 1 340029726 110026
## <none> 339950040 110026
## - TRAVTIME_log 1 340054606 110027
## - OLDCLAIM 1 340059452 110027
## - MVR_PTS_log 1 340065668 110027
## - OLDCLAIM_sqrt 1 340070717 110027
## - RED_CAR 1 340073303 110027
## - OLDCLAIM_cbrt 1 340077435 110027
## - KIDSDRIV 4 340329253 110027
## - OLDCLAIM_log 1 340092807 110027
## - CAR_AGE_sqrt 1 340128366 110028
## - SEX 1 340139099 110029
## - CAR_AGE_cbrt 1 340162493 110029
## - CAR_AGE_fact 2 340274646 110030
## - PARENT1 1 340210915 110030
## - TRT_MVR_PRODUCT 1 340482156 110037
## - TARGET_FLAG 1 699544212 115913
## - TARGET_AMT_log 1 1398641148 121567
## - TARGET_AMT_cbrt 1 3311825150 128602
## - TARGET_AMT_sqrt 1 6126954278 133623
##
## Step: AIC=110024.3
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + RED_CAR +
## OLDCLAIM + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + TARGET_AMT_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + BLUEBOOK_cbrt + OLDCLAIM_cbrt +
## CAR_AGE_cbrt + TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - BLUEBOOK_cbrt 1 340022428 110024
## - MVR_PTS_sqrt 1 340039162 110024
## - AGE 1 340040622 110024
## <none> 339961724 110024
## - TRAVTIME_log 1 340066979 110025
## - OLDCLAIM 1 340071118 110025
## - MVR_PTS_log 1 340078329 110025
## - OLDCLAIM_sqrt 1 340082348 110025
## - RED_CAR 1 340084921 110025
## - OLDCLAIM_cbrt 1 340089050 110025
## - KIDSDRIV 4 340341885 110025
## - OLDCLAIM_log 1 340104373 110026
## - CAR_AGE_sqrt 1 340138580 110027
## - SEX 1 340150649 110027
## - CAR_AGE_cbrt 1 340172561 110027
## - CAR_AGE_fact 2 340284034 110028
## - PARENT1 1 340221758 110029
## - TRT_MVR_PRODUCT 1 340494091 110035
## - TARGET_FLAG 1 699568905 115912
## - TARGET_AMT_log 1 1398650226 121565
## - TARGET_AMT_cbrt 1 3311846067 128600
## - TARGET_AMT_sqrt 1 6127056465 133621
##
## Step: AIC=110023.7
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + RED_CAR +
## OLDCLAIM + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + TARGET_AMT_sqrt + OLDCLAIM_sqrt + MVR_PTS_sqrt +
## CAR_AGE_sqrt + TARGET_AMT_cbrt + OLDCLAIM_cbrt + CAR_AGE_cbrt +
## TRT_MVR_PRODUCT + CAR_AGE_fact
##
## Df Deviance AIC
## - MVR_PTS_sqrt 1 340101908 110024
## <none> 340022428 110024
## - AGE 1 340120584 110024
## - TRAVTIME_log 1 340128429 110024
## - OLDCLAIM 1 340129913 110024
## - OLDCLAIM_sqrt 1 340141237 110025
## - MVR_PTS_log 1 340141421 110025
## - RED_CAR 1 340141559 110025
## - OLDCLAIM_cbrt 1 340147969 110025
## - KIDSDRIV 4 340400271 110025
## - OLDCLAIM_log 1 340163332 110025
## - SEX 1 340200278 110026
## - CAR_AGE_sqrt 1 340202956 110026
## - CAR_AGE_cbrt 1 340235407 110027
## - CAR_AGE_fact 2 340339636 110027
## - PARENT1 1 340285754 110028
## - TRT_MVR_PRODUCT 1 340554713 110035
## - TARGET_FLAG 1 699694699 115911
## - TARGET_AMT_log 1 1399087204 121566
## - TARGET_AMT_cbrt 1 3313391908 128602
## - TARGET_AMT_sqrt 1 6130965035 133624
##
## Step: AIC=110023.6
## TARGET_AMT ~ TARGET_FLAG + KIDSDRIV + AGE + PARENT1 + SEX + RED_CAR +
## OLDCLAIM + TARGET_AMT_log + TRAVTIME_log + OLDCLAIM_log +
## MVR_PTS_log + TARGET_AMT_sqrt + OLDCLAIM_sqrt + CAR_AGE_sqrt +
## TARGET_AMT_cbrt + OLDCLAIM_cbrt + CAR_AGE_cbrt + TRT_MVR_PRODUCT +
## CAR_AGE_fact
##
## Df Deviance AIC
## <none> 340101908 110024
## - TRAVTIME_log 1 340198615 110024
## - AGE 1 340199536 110024
## - OLDCLAIM 1 340208973 110024
## - RED_CAR 1 340218298 110024
## - OLDCLAIM_sqrt 1 340220084 110024
## - OLDCLAIM_cbrt 1 340226690 110025
## - KIDSDRIV 4 340478860 110025
## - OLDCLAIM_log 1 340241501 110025
## - SEX 1 340279003 110026
## - CAR_AGE_sqrt 1 340282490 110026
## - CAR_AGE_cbrt 1 340315379 110027
## - CAR_AGE_fact 2 340422744 110027
## - PARENT1 1 340363029 110028
## - MVR_PTS_log 1 340528147 110032
## - TRT_MVR_PRODUCT 1 340593849 110033
## - TARGET_FLAG 1 700180372 115915
## - TARGET_AMT_log 1 1400103377 121570
## - TARGET_AMT_cbrt 1 3315440699 128605
## - TARGET_AMT_sqrt 1 6134261486 133627Create histogram of the Probability
hist(stepWise_b$fitted.values, main = " Histogram ",xlab = "Probability", col = 'skyblue3')
Show the predicted values
df_ins$Predict <- ifelse(stepWise_b$fitted.values >0.5,"pos","neg")
head(df_ins$Predict)## [1] "neg" "pos" "neg" "neg" "neg" "pos"