thats the output
structure(list(age = c(41, 27, 40, 41, 24, 41, 39, 43, 24, 36,
27, 25, 52, 37, 48, 36, 36, 43, 39, 41, 39, 47, 28, 29, 21, 25,
45, 43, 33, 26, 45, 30, 27, 25, 25, 26, 30, 32, 28, 45, 23, 34,
42, 39, 26, 21, 35, 47, 23, 35), ed = structure(c(3L, 1L, 1L,
1L, 2L, 2L, 1L, 1L, 1L, 1L, 1L, 1L, 1L, 1L, 1L, 2L, 2L, 1L, 1L,
3L, 1L, 1L, 1L, 1L, 2L, 4L, 2L, 1L, 2L, 3L, 1L, 1L, 3L, 1L, 1L,
2L, 2L, 2L, 2L, 1L, 1L, 1L, 2L, 1L, 1L, 2L, 1L, 1L, 2L, 1L), .Label = c("Did not complete high school",
"High school degree", "Some college", "College degree", "Post-undergraduate degree"
), class = "factor"), employ = c(17, 10, 15, 15, 2, 5, 20, 12,
3, 0, 0, 4, 24, 6, 22, 9, 13, 23, 6, 0, 22, 17, 3, 8, 1, 0, 9,
25, 12, 2, 3, 1, 2, 8, 8, 6, 10, 12, 1, 23, 7, 17, 7, 19, 0,
0, 13, 4, 0, 18), address = c(12, 6, 14, 14, 0, 5, 9, 11, 4,
13, 1, 0, 14, 9, 15, 6, 6, 19, 9, 21, 3, 21, 6, 6, 2, 2, 26,
21, 8, 1, 15, 10, 7, 4, 1, 7, 4, 1, 8, 5, 2, 3, 23, 5, 0, 1,
15, 2, 2, 2), income = c(176, 31, 55, 120, 28, 25, 67, 38, 19,
25, 16, 23, 64, 29, 100, 49, 41, 72, 61, 26, 52, 43, 26, 27,
16, 32, 69, 64, 58, 37, 20, 22, 26, 27, 35, 45, 22, 54, 24, 50,
31, 59, 41, 48, 14, 16, 35, 26, 21, 42), debtinc = c(9.3, 17.3,
5.5, 2.9, 17.3, 10.2, 30.6, 3.6, 24.4, 19.7, 1.7, 5.2, 10, 16.3,
9.1, 8.6, 16.4, 7.6, 5.7, 1.7, 3.2, 5.6, 10, 9.8, 18, 17.6, 6.7,
16.7, 18.4, 14.2, 2.1, 10.5, 6, 14.4, 2.9, 26, 16.1, 14.4, 17.1,
4.2, 6.6, 8, 4.6, 13.1, 7.5, 6.8, 4.5, 10.4, 11.4, 7.4), creddebt = c(11.359392,
1.362202, 0.856075, 2.65872, 1.787436, 0.3927, 3.833874, 0.128592,
1.358348, 2.7777, 0.182512, 0.252356, 3.9296, 1.715901, 3.7037,
0.817516, 2.918216, 1.181952, 0.563274, 0.099008, 1.154816, 0.587552,
0.4316, 0.402192, 0.24192, 2.14016, 0.707319, 0.951232, 3.084208,
0.204906, 0.105, 1.13883, 0.72228, 1.018656, 0.07714, 6.0489,
1.409716, 3.195936, 1.337904, 0.5586, 0.33759, 1.80776, 0.941114,
1.930416, 0.3024, 0.150144, 0.43155, 0.12168, 0.775656, 0.205128
), othdebt = c(5.008608, 4.000798, 2.168925, 0.82128, 3.056564,
2.1573, 16.668126, 1.239408, 3.277652, 2.1473, 0.089488, 0.943644,
2.4704, 3.011099, 5.3963, 3.396484, 3.805784, 4.290048, 2.913726,
0.342992, 0.509184, 1.820448, 2.1684, 2.243808, 2.63808, 3.49184,
3.915681, 9.736768, 7.587792, 5.049094, 0.315, 1.17117, 0.83772,
2.869344, 0.93786, 5.6511, 2.132284, 4.580064, 2.766096, 1.5414,
1.70841, 2.91224, 0.944886, 4.357584, 0.7476, 0.937856, 1.14345,
2.58232, 1.618344, 2.902872), default = structure(c(2L, 1L, 1L,
1L, 2L, 1L, 1L, 1L, 2L, 1L, 1L, 1L, 1L, 1L, 1L, 2L, 2L, 1L, 1L,
1L, 1L, 1L, 1L, 1L, 2L, 1L, 1L, 1L, 1L, 1L, 1L, 1L, 1L, 1L, 1L,
1L, 1L, 1L, 2L, 1L, 1L, 1L, 1L, 1L, 2L, 1L, 1L, 1L, 2L, 1L), .Label = c("No",
"Yes"), class = "factor"), preddef1 = c(0.808394327359702, 0.198297476159104,
0.0100361080990023, 0.0221382837594812, 0.781588314152869, 0.216708941468906,
0.18596010843841, 0.014708653491152, 0.748041203606411, 0.815057013081852,
0.350309226043236, 0.239053902326814, 0.00979017347264589, 0.364494047547502,
0.0118739038464262, 0.0967040778565908, 0.212050390551138, 0.00140487060255445,
0.104145390281715, 0.0919180135014027, 0.0043735364616344, 0.00304735236249091,
0.293932179671944, 0.106799619753194, 0.629777455306767, 0.861313401393958,
0.0164611579900324, 0.00143799346726798, 0.276706675474106, 0.50332186742386,
0.0764195852261632, 0.433699425118601, 0.288738875933443, 0.231100684278883,
0.0749571955933729, 0.950053516816289, 0.211956403647939, 0.335996915257273,
0.643903295283559, 0.00226875357862989, 0.132878207080903, 0.0317685432338983,
0.0319034793260759, 0.0280793313767151, 0.511049960032338, 0.453616874344579,
0.0107818887723767, 0.281657372501201, 0.621784769760648, 0.0104607182588521
), preddef2 = c(0.788640431821437, 0.128445387038174, 0.00298677834821412,
0.0102732648580009, 0.737884820480045, 0.328194657083002, 0.179255712952496,
0.010572667741295, 0.619443452160334, 0.79722745061275, 0.610511356012177,
0.219023649798498, 0.00628468428836779, 0.340467555901854, 0.00771406996447905,
0.113839681770466, 0.175024767261369, 0.000563999860427421, 0.092729658950997,
0.0869105909754819, 0.00164474095768356, 0.00201376135654785,
0.236041924669508, 0.204130576692517, 0.620461226408894, 0.773743765928539,
0.01520071605721, 0.000641927515098064, 0.219532599900222, 0.479453765995919,
0.0529185951936342, 0.405229108934149, 0.233062013435398, 0.177802520204962,
0.0480042726553067, 0.946420103718697, 0.25417611027888, 0.417417714105591,
0.659599885195508, 0.0014604870209812, 0.097419360235256, 0.0622616484352908,
0.0307905348504762, 0.0102963057292182, 0.749382132397176, 0.376452011382485,
0.00703764487094369, 0.363860690914129, 0.63595566508835, 0.00432423778400214
), preddef3 = c(0.213043376128119, 0.436903005506046, 0.141022623460993,
0.104422211934525, 0.436903005506046, 0.233577086224484, 0.817091719095171,
0.113357560419516, 0.663903973464324, 0.515530082740544, 0.0905475842743514,
0.136307035904262, 0.228897785847298, 0.4048353225734, 0.208663437695647,
0.198005125485801, 0.408010484205201, 0.17793130940947, 0.144241548322777,
0.0905475842743514, 0.108172886416567, 0.142624515618002, 0.228897785847298,
0.224284794561537, 0.459685523765733, 0.446640081169066, 0.161260140498931,
0.417581158840994, 0.472786447367334, 0.340345791526492, 0.0949774523057643,
0.240719879471011, 0.149184219573304, 0.346280273672069, 0.104422211934525,
0.709164136909414, 0.398509074529238, 0.346280273672069, 0.430438062072136,
0.121540265102462, 0.159487876633662, 0.185763039434584, 0.127274196819662,
0.308629906178795, 0.176014277117858, 0.163048277810623, 0.125819411565012,
0.23832247968374, 0.263029539285341, 0.1741135244113)), variable.labels = c(age = "Age in years",
ed = "Level of education", employ = "Years with current employer",
address = "Years at current address", income = "Household income in thousands",
debtinc = "Debt to income ratio (x100)", creddebt = "Credit card debt in thousands",
othdebt = "Other debt in thousands", default = "Previously defaulted",
preddef1 = "Predicted default, model 1", preddef2 = "Predicted default, model 2",
preddef3 = "Predicted default, model 3"), codepage = 1250L, row.names = c(NA,
50L), class = "data.frame")