Ridge Regression using Package glmnet

Data Mining

Description for Ridge Regression using Package glmnet

Yeongeun Jeon , Jung In Seo
2023-08-05

Ridge Regression의 장점


Ridge Regression의 단점


실습 자료 : 유니버셜 은행의 고객 2,500명에 대한 자료(출처 : Data Mining for Business Intelligence, Shmueli et al. 2010)이며, 총 13개의 변수를 포함하고 있다. 이 자료에서 TargetPersonal Loan이다.




1. 데이터 불러오기

pacman::p_load("data.table", 
               "tidyverse", 
               "dplyr",
               "ggplot2", "GGally",
               "caret",
               "glmnet")                                                # For glmnet

UB <- fread("../Universal Bank_Main.csv")                               # 데이터 불러오기

UB %>%
  as_tibble
# A tibble: 2,500 × 14
      ID   Age Experience Income `ZIP Code` Family CCAvg Education
   <int> <int>      <int>  <int>      <int>  <int> <dbl>     <int>
 1     1    25          1     49      91107      4   1.6         1
 2     2    45         19     34      90089      3   1.5         1
 3     3    39         15     11      94720      1   1           1
 4     4    35          9    100      94112      1   2.7         2
 5     5    35          8     45      91330      4   1           2
 6     6    37         13     29      92121      4   0.4         2
 7     7    53         27     72      91711      2   1.5         2
 8     8    50         24     22      93943      1   0.3         3
 9     9    35         10     81      90089      3   0.6         2
10    10    34          9    180      93023      1   8.9         3
# ℹ 2,490 more rows
# ℹ 6 more variables: Mortgage <int>, `Personal Loan` <int>,
#   `Securities Account` <int>, `CD Account` <int>, Online <int>,
#   CreditCard <int>

2. 데이터 전처리 I

UB %<>%
  data.frame() %>%                                                      # Data Frame 형태로 변환 
  mutate(Personal.Loan = ifelse(Personal.Loan == 1, "yes", "no")) %>%   # Target을 문자형 변수로 변환
  select(-1)                                                            # ID 변수 제거

# Convert to Factor
fac.col <- c("Family", "Education", "Securities.Account", 
             "CD.Account", "Online", "CreditCard",
             # Target
             "Personal.Loan")

UB <- UB %>% 
  mutate_at(fac.col, as.factor)                                         # 범주형으로 변환

glimpse(UB)                                                             # 데이터 구조 확인
Rows: 2,500
Columns: 13
$ Age                <int> 25, 45, 39, 35, 35, 37, 53, 50, 35, 34, 6…
$ Experience         <int> 1, 19, 15, 9, 8, 13, 27, 24, 10, 9, 39, 5…
$ Income             <int> 49, 34, 11, 100, 45, 29, 72, 22, 81, 180,…
$ ZIP.Code           <int> 91107, 90089, 94720, 94112, 91330, 92121,…
$ Family             <fct> 4, 3, 1, 1, 4, 4, 2, 1, 3, 1, 4, 3, 2, 4,…
$ CCAvg              <dbl> 1.6, 1.5, 1.0, 2.7, 1.0, 0.4, 1.5, 0.3, 0…
$ Education          <fct> 1, 1, 1, 2, 2, 2, 2, 3, 2, 3, 3, 2, 3, 2,…
$ Mortgage           <int> 0, 0, 0, 0, 0, 155, 0, 0, 104, 0, 0, 0, 0…
$ Personal.Loan      <fct> no, no, no, no, no, no, no, no, no, yes, …
$ Securities.Account <fct> 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0,…
$ CD.Account         <fct> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
$ Online             <fct> 0, 0, 0, 0, 0, 1, 1, 0, 1, 0, 0, 1, 0, 1,…
$ CreditCard         <fct> 0, 0, 0, 0, 1, 0, 0, 1, 0, 0, 0, 0, 0, 0,…

3. 데이터 탐색

ggpairs(UB,                                             
        columns = c("Age", "Experience", "Income",        # 수치형 예측 변수
                    "ZIP.Code", "CCAvg", "Mortgage"),                            
        aes(colour = Personal.Loan)) +                    # Target의 범주에 따라 색깔을 다르게 표현
  theme_bw()  
ggpairs(UB,                                               
        columns = c("Age", "Experience", "Income",        # 수치형 예측 변수
                    "ZIP.Code", "CCAvg", "Mortgage"), 
        aes(colour = Personal.Loan)) +                    # Target의 범주에 따라 색깔을 다르게 표현
  scale_colour_manual(values = c("#00798c", "#d1495b")) + # 특정 색깔 지정
  scale_fill_manual(values = c("#00798c", "#d1495b")) +   # 특정 색깔 지정
  theme_bw()
ggpairs(UB,                                               
        columns = c("Age", "Income",                      # 수치형 예측 변수
                    "Family", "Education"),               # 범주형 예측 변수
        aes(colour = Personal.Loan, alpha = 0.8)) +       # Target의 범주에 따라 색깔을 다르게 표현
  scale_colour_manual(values = c("#E69F00", "#56B4E9")) + # 특정 색깔 지정
  scale_fill_manual(values = c("#E69F00", "#56B4E9")) +   # 특정 색깔 지정
  theme_bw()


4. 데이터 분할

# Partition (Training Dataset : Test Dataset = 7:3)
y      <- UB$Personal.Loan                            # Target
 
set.seed(200)
ind    <- createDataPartition(y, p = 0.7, list = T)   # Index를 이용하여 7:3으로 분할
UB.trd <- UB[ind$Resample1,]                          # Training Dataset
UB.ted <- UB[-ind$Resample1,]                         # Test Dataset

5. 데이터 전처리 II

# 1. Standardization
preProcValues <- preProcess(UB.trd, 
                            method = c("center", "scale"))  # Training Dataset에 대한 평균과 표준편차 계산 

UB.trd <- predict(preProcValues, UB.trd)                    # 표준화 for Training Dataset
UB.ted <- predict(preProcValues, UB.ted)                    # 표준화 for Test Dataset

glimpse(UB.trd)                                             # 데이터 구조 확인
Rows: 1,751
Columns: 13
$ Age                <dbl> -0.05431273, -0.57446728, -0.92123699, -0…
$ Experience         <dbl> -0.12175295, -0.46882565, -0.98943471, -1…
$ Income             <dbl> -0.85867297, -1.35649686, 0.56986515, -0.…
$ ZIP.Code           <dbl> -1.75250883, 0.88354520, 0.53745994, -1.0…
$ Family             <fct> 3, 1, 1, 4, 2, 1, 3, 1, 4, 3, 2, 4, 1, 4,…
$ CCAvg              <dbl> -0.25119120, -0.53150921, 0.42157204, -0.…
$ Education          <fct> 1, 1, 2, 2, 2, 3, 2, 3, 3, 2, 3, 2, 1, 3,…
$ Mortgage           <dbl> -0.5664192, -0.5664192, -0.5664192, -0.56…
$ Personal.Loan      <fct> no, no, no, no, no, no, no, yes, no, no, …
$ Securities.Account <fct> 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 1, 0,…
$ CD.Account         <fct> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,…
$ Online             <fct> 0, 0, 0, 0, 1, 0, 1, 0, 0, 1, 0, 1, 0, 0,…
$ CreditCard         <fct> 0, 0, 0, 1, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
glimpse(UB.ted)                                             # 데이터 구조 확인
Rows: 749
Columns: 13
$ Age                <dbl> -1.7881612, -0.7478521, 1.2460737, 0.8126…
$ Experience         <dbl> -1.68358012, -0.64236200, 0.83269699, 0.6…
$ Income             <dbl> -0.53400522, -0.96689556, -1.11840718, -1…
$ ZIP.Code           <dbl> -1.17304370, -0.59585545, 1.07366441, 0.8…
$ Family             <fct> 4, 4, 1, 1, 4, 1, 4, 4, 3, 3, 1, 3, 1, 4,…
$ CCAvg              <dbl> -0.19512759, -0.86789083, -0.25119120, -0…
$ Education          <fct> 1, 2, 3, 2, 2, 3, 3, 3, 3, 2, 1, 2, 1, 2,…
$ Mortgage           <dbl> -0.5664192, 0.9609885, -0.5664192, -0.566…
$ Personal.Loan      <fct> no, no, no, no, no, no, no, no, no, no, n…
$ Securities.Account <fct> 1, 0, 0, 1, 0, 0, 0, 0, 1, 0, 0, 1, 1, 0,…
$ CD.Account         <fct> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0,…
$ Online             <fct> 0, 1, 1, 0, 1, 1, 1, 1, 0, 1, 1, 1, 0, 1,…
$ CreditCard         <fct> 0, 0, 1, 1, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0,…
# 2. Convert Factor Var. into Dummy Var. 
train.x <- model.matrix(Personal.Loan ~.,                   # Personal.Loan은 Target으로 제외  
                        UB.trd)[,-1]                        # [,-1] : 절편 제거

train.x
             Age  Experience       Income    ZIP.Code Family2 Family3
2    -0.05431273 -0.12175295 -0.858672972 -1.75250883       0       1
3    -0.57446728 -0.46882565 -1.356496863  0.88354520       0       0
4    -0.92123699 -0.98943471  0.569865150  0.53745994       0       0
5    -0.92123699 -1.07620288 -0.620583285 -1.04610783       0       0
7     0.63922667  0.57239246 -0.036181326 -0.82923532       1       0
8     0.37914940  0.31208793 -1.118407176  0.44126189       0       0
9    -0.92123699 -0.90266653  0.158619327 -1.75250883       0       1
10   -1.00792941 -0.98943471  2.301426510 -0.08241975       0       0
11    1.67953578  1.61361058  0.678087735  0.87785301       0       0
12   -1.44139154 -1.33650741 -0.620583285 -1.64549562       0       1
13    0.20576455  0.22531976  0.872888388 -0.03517456       1       0
14    1.15938123  1.00623334 -0.728805870  0.99738903       0       0
15    1.85292063  1.78714693  0.829599354 -0.81215874       0       0
17   -0.66115971 -0.55559383  1.219200660  1.04861876       0       0
18   -0.31439001 -0.20852112  0.158619327  0.64731924       0       0
19    0.03237970  0.05178341  2.582805231 -0.89014177       1       0
22    0.98599638  0.57239246 -0.230981979 -1.74909351       0       1
23   -1.44139154 -1.33650741 -0.252626496 -1.64549562       0       0
24   -0.14100516 -0.20852112 -0.663872319 -1.05180002       1       0
25   -0.83454456 -0.81589836  1.695380034  1.33948976       1       0
26   -0.22769758 -0.12175295 -0.966895557  0.64731924       0       1
27   -0.48777486 -0.38205747  0.201908361  1.07935660       0       0
28    0.03237970 -0.03498477  1.825247136 -1.76673931       0       0
30   -0.66115971 -0.64236200  0.981110973  0.53290618       0       0
31    1.15938123  1.26653787 -0.837028455 -0.03517456       0       0
32   -0.48777486 -0.38205747 -0.966895557  0.54030603       0       0
33    0.63922667  0.65916064 -0.707161353  0.92965195       1       0
34   -1.35469911 -1.24973924 -1.204985244 -1.04610783       0       1
36    0.20576455  0.31208793  0.158619327 -0.29644616       0       1
37    1.15938123  1.26653787  1.024400007  0.88354520       0       0
38    0.46584182  0.39885611 -0.057825843  1.50627098       0       0
39   -0.31439001 -0.20852112  1.457290347  0.53859837       0       1
42   -1.00792941 -0.98943471 -0.295915530  0.54315213       0       1
43   -1.18131426 -1.16297106  1.262489694 -1.79235417       0       0
44   -0.57446728 -0.46882565 -0.620583285  1.39356558       0       0
45    0.03237970 -0.03498477  0.656443218  0.51070664       0       0
46    0.98599638  0.91946517 -0.469071666  0.88354520       0       0
48   -0.74785214 -0.72913018  2.604449748 -1.01764687       0       0
49    0.89930395  0.48562429  0.158619327  1.46813330       1       0
50   -0.48777486 -0.38205747 -0.534005217 -0.45241222       0       0
51   -1.18131426 -1.07620288 -1.421430414 -0.61179359       0       0
53   -1.35469911 -1.24973924 -0.036181326  0.47655348       0       0
54    0.37914940  0.48562429  2.517871680 -1.66371064       0       1
55   -1.44139154 -1.33650741 -0.642227802  1.50911708       0       0
56   -0.40108243 -0.29528930  1.414001313  0.48623021       1       0
58    0.89930395  0.91946517  1.240845177  1.39356558       1       0
59   -1.52808397 -1.59681194  0.418353531  0.51070664       1       0
60   -1.26800669 -1.33650741  2.474582646 -1.05180002       1       0
61    0.29245697  0.31208793 -0.750450387 -1.57320479       0       1
63   -0.31439001 -0.20852112 -1.118407176 -1.75250883       0       0
65    0.11907212  0.22531976  0.678087735 -1.78950808       1       0
66    1.15938123  1.26653787  1.240845177 -1.02903125       0       0
67    1.41945851  1.35330605  0.678087735  1.42430342       1       0
69    0.11907212  0.05178341 -0.295915530  0.13616041       0       1
71   -0.31439001 -0.20852112  0.894532905 -1.04326173       0       0
73   -0.14100516 -0.03498477  1.219200660 -0.66074644       0       0
74   -0.40108243 -0.38205747  0.245197395  0.81865421       0       0
75   -1.52808397 -1.51004376  1.327423245  0.82150031       1       0
77    1.07268880  1.00623334 -1.334852346 -1.05180002       0       1
78    0.03237970 -0.03498477 -0.966895557 -0.53950275       0       1
80    0.37914940  0.48562429 -1.183340727  0.88354520       1       0
81    1.24607365  1.35330605 -0.707161353  1.11920194       0       0
83   -0.40108243 -0.38205747  0.180263844 -0.37613685       0       0
84   -1.09462184 -0.98943471 -0.512360700  0.64731924       0       0
85    0.03237970  0.13855158 -1.204985244 -0.81842015       0       0
87   -0.48777486 -0.38205747 -0.685516836  0.75888620       0       0
89    1.67953578  1.78714693 -0.490716183  0.54030603       1       0
90   -1.78816124 -1.85711647  0.851243871  0.64618080       0       0
91    0.81261153  0.83269699  0.959466456 -1.64549562       0       0
93   -0.22769758 -0.12175295 -0.858672972  0.64731924       0       1
95    1.67953578  1.61361058  1.024400007 -0.31636884       0       0
97   -0.40108243 -0.46882565  0.136974810  1.05089564       0       0
98    0.72591910  0.65916064  1.890180687 -0.59585545       0       0
100   1.76622821  1.78714693 -1.269918795 -0.82923532       0       1
101   0.20576455  0.22531976  0.007107708  0.51924492       0       0
103   0.63922667  0.22531976 -0.642227802  0.22040485       0       1
106  -1.87485367 -1.77034829 -0.837028455  0.87443769       0       1
107  -0.22769758 -0.29528930 -0.101114877 -0.25660082       0       0
108  -0.31439001 -0.20852112 -0.663872319 -0.64366986       0       0
109  -1.09462184 -1.16297106 -0.901962006  1.12034038       0       0
110  -0.22769758 -0.29528930 -0.534005217  0.78222418       0       0
111  -0.40108243 -0.55559383 -1.399785897 -1.04610783       0       1
112   1.41945851  1.52684240 -0.620583285  0.55510573       0       0
113  -0.48777486 -0.46882565  0.180263844 -0.79280529       0       1
114   1.07268880  1.17976970  0.396709014 -0.26456989       1       0
115  -0.57446728 -0.55559383 -0.750450387 -0.46322738       0       1
117   0.72591910  0.74592882 -0.837028455 -0.19170983       0       0
118   1.07268880  1.09300152 -0.274271013 -0.19057140       1       0
122   0.55253425  0.48562429 -0.772094904 -0.82923532       0       1
125  -0.57446728 -0.46882565  0.093685776 -0.59585545       0       0
126   1.24607365  1.26653787  0.136974810 -1.06261518       0       1
127  -1.26800669 -1.33650741  0.894532905 -0.61008593       1       0
128  -1.00792941 -1.07620288  0.180263844 -0.29701538       0       0
129  -0.66115971 -0.55559383  0.007107708 -0.56113308       1       0
130  -0.40108243 -0.38205747 -0.079470360 -0.59016326       0       1
132   1.07268880  1.17976970  1.630446483  0.31432602       0       0
133  -1.26800669 -1.68358012 -0.490716183 -1.32502522       1       0
134  -1.35469911 -1.42327559 -0.750450387 -1.66371064       0       1
136   1.07268880  1.09300152 -0.620583285 -0.08981960       0       0
137   1.15938123  1.00623334 -0.534005217  1.06284924       0       0
138   0.29245697  0.39885611  1.175911626  1.07366441       1       0
139   1.15938123  1.17976970 -0.685516836  1.00194279       0       1
140   1.15938123  1.26653787 -1.204985244  0.07810006       0       0
141   0.46584182  0.39885611 -0.923606523 -1.66371064       1       0
142  -0.92123699 -0.81589836 -0.339204564  1.51594771       0       1
144  -1.78816124 -1.68358012 -0.425782632  0.54030603       0       0
147   0.03237970 -0.12175295  0.223552878  0.53176774       0       0
148   0.37914940  0.39885611  0.201908361  0.78222418       0       0
151   0.03237970  0.13855158  0.959466456  0.53461384       1       0
152  -1.70146882 -1.77034829  1.262489694 -0.19000218       0       1
154   1.24607365  1.35330605 -1.118407176  0.78734716       1       0
155   0.72591910  0.74592882 -0.339204564 -0.31636884       0       0
156  -1.87485367 -1.77034829 -0.295915530  0.81296202       0       0
158  -0.40108243 -0.29528930  0.201908361  0.48793787       0       0
161  -1.44139154 -1.77034829  1.305778728  1.50911708       0       0
162   1.33276608  1.26653787  0.136974810  1.07309519       1       0
163  -0.66115971 -0.72913018 -0.469071666 -1.78267745       0       0
164  -1.52808397 -1.42327559 -0.079470360 -1.16279776       0       0
165   0.63922667  0.57239246  0.396709014  1.11123287       1       0
167  -1.78816124 -1.68358012 -1.140051693  1.51367083       0       1
168  -1.09462184 -0.98943471 -1.096762659  0.64731924       0       1
171  -1.61477639 -1.68358012  1.392356796 -1.66086454       1       0
173  -0.66115971 -0.64236200  2.106625857 -0.25660082       1       0
178  -1.44139154 -1.51004376 -0.187692945  0.54884432       0       0
179   0.63922667  0.74592882 -1.075118142  1.50854786       0       0
181   0.46584182  0.57239246 -0.772094904 -1.57491244       1       0
183  -1.87485367 -1.77034829  1.327423245  1.11863272       0       0
184  -1.44139154 -1.51004376  1.608801966 -0.56625606       0       1
187   0.20576455  0.22531976 -0.620583285  1.39356558       0       0
188   0.03237970  0.05178341  1.846891653  0.64731924       0       1
191   1.24607365  1.35330605  0.418353531 -0.36816778       0       0
192   0.46584182  0.39885611 -0.966895557 -1.57320479       0       0
194   0.20576455  0.31208793 -1.140051693 -0.02834393       0       0
196  -1.00792941 -0.90266653 -1.313207829  0.80214686       0       0
197   0.20576455  0.31208793  1.976758755  0.13616041       0       0
198   0.81261153  0.91946517 -1.399785897 -1.03756954       0       0
199  -1.61477639 -1.51004376 -0.317560047  0.54372135       0       0
203  -1.35469911 -1.51004376 -0.122759394  0.64788846       0       0
204   1.07268880  1.17976970 -0.187692945  1.46813330       0       0
206  -0.66115971 -0.72913018  0.375064497  1.39356558       0       0
207   0.29245697  0.39885611 -0.923606523 -1.03187735       0       0
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1195 -1.44139154 -1.51004376 -0.707161353  0.64731924       0       0
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1205 -1.70146882 -1.68358012  2.517871680 -0.89014177       0       0
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1213 -1.00792941 -1.07620288 -0.642227802 -1.17645902       0       0
1214 -1.61477639 -1.59681194  0.093685776  0.44126189       0       0
1215  1.33276608  1.35330605 -1.269918795 -0.36816778       0       0
1216 -0.05431273 -0.03498477 -0.772094904  0.78677794       0       0
1217  0.37914940  0.39885611  0.223552878 -1.17304370       0       0
1218 -0.14100516 -0.03498477  1.046044524  0.64731924       0       0
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1221 -0.40108243 -0.29528930  1.976758755  0.55510573       1       0
1223  1.33276608  1.44007422 -1.161696210 -1.79690792       0       1
1224 -0.05431273 -0.12175295 -1.356496863  1.69752863       0       0
1225  1.15938123  1.26653787 -0.620583285  0.99738903       0       0
1229  0.89930395  0.83269699 -0.620583285 -0.16951029       0       0
1230  0.89930395  1.00623334  0.136974810  0.81296202       0       1
1231 -1.61477639 -1.68358012 -1.053473625  0.99738903       0       0
1232  1.76622821  1.78714693  1.522223898  0.64788846       0       0
1233 -0.22769758 -0.12175295  0.223552878 -0.29701538       0       0
1236  0.72591910  0.65916064 -0.295915530  0.53632150       0       0
1237 -1.26800669 -1.24973924  0.158619327  1.47667159       0       0
1239 -1.52808397 -1.59681194 -0.230981979 -1.16792073       1       0
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1243 -1.44139154 -1.42327559 -0.642227802 -1.01764687       0       0
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1311  1.41945851  1.35330605 -1.140051693  1.39356558       0       1
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1318  0.81261153  0.83269699 -0.728805870  1.33948976       1       0
1321 -1.26800669 -1.16297106  2.561160714 -1.66086454       0       0
1322 -1.61477639 -1.51004376  1.067689041  1.12147882       0       0
1323 -1.18131426 -1.33650741 -0.555649734  0.48623021       1       0
1324  0.55253425  0.48562429 -0.620583285 -0.89014177       0       1
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1327 -1.18131426 -1.33650741 -0.230981979 -1.78950808       0       0
1328  1.33276608  1.26653787 -0.945251040  0.88354520       1       0
1329  1.24607365  1.35330605  1.543868415  1.39356558       0       0
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1334  1.41945851  1.52684240  0.548220633  1.05089564       0       0
1336  0.37914940  0.31208793  2.301426510  0.78051653       0       0
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1339  0.46584182  0.57239246 -0.685516836 -1.66371064       0       0
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1341 -0.92123699 -0.81589836  0.180263844  0.54827510       0       0
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1350 -1.70146882 -1.59681194  2.106625857  0.44126189       0       1
1352  1.15938123  1.26653787  0.223552878  0.80840827       0       0
1353  0.46584182  0.57239246 -1.161696210 -1.57491244       0       0
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1363 -1.26800669 -1.33650741  0.245197395 -0.59073248       0       1
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1368  1.41945851  1.52684240 -0.685516836  1.46813330       0       1
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1370  0.98599638  1.09300152 -0.663872319 -0.72051445       0       0
1371 -1.35469911 -1.33650741 -1.161696210  0.78393184       0       0
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1374  1.24607365  1.26653787  1.327423245 -0.31636884       0       1
1375  1.15938123  1.17976970  0.223552878  0.49818381       0       1
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1384  1.67953578  1.78714693  0.678087735  1.39356558       0       0
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1387 -1.61477639 -1.51004376 -0.036181326  1.39356558       0       0
1388 -0.92123699 -0.90266653 -0.772094904  1.47667159       0       0
1389  0.55253425  0.65916064 -1.053473625 -1.68249487       0       0
1392 -0.14100516 -0.20852112  0.223552878 -1.04610783       0       1
1393  0.11907212  0.22531976 -0.880317489 -1.74909351       0       0
1394  1.41945851  1.44007422 -0.404138115  1.06512612       0       1
1395  0.55253425  0.57239246 -0.880317489 -1.74909351       1       0
1396  0.11907212  0.22531976  2.517871680 -0.19170983       0       0
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1400 -0.48777486 -0.38205747 -0.101114877 -0.65960800       0       0
1403  0.81261153  0.74592882  2.128270374  1.07935660       0       0
1404 -1.18131426 -1.24973924 -0.490716183 -0.03346690       0       0
1405  1.07268880  0.65916064  0.028752225 -0.59585545       0       0
1406  0.03237970  0.13855158  2.366360061 -0.88957255       0       0
1407  0.63922667  0.22531976 -1.161696210 -0.59471701       0       0
1408  1.50615093  1.61361058  0.591509667  0.64788846       1       0
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1410 -0.40108243 -0.29528930 -0.230981979 -1.37910105       1       0
1411  1.24607365  1.26653787 -0.642227802 -0.59300936       0       0
1412  1.67953578  1.61361058  2.388004578 -1.06204596       0       0
1413  1.15938123  1.09300152  0.569865150  1.07935660       1       0
1414  0.20576455  0.31208793 -1.334852346 -1.77015462       0       1
1415  1.15938123  1.09300152 -0.122759394  0.53347540       1       0
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1420 -1.35469911 -1.42327559 -0.750450387 -1.17418214       0       0
1423 -1.18131426 -1.07620288 -0.901962006  0.55510573       1       0
1424  0.81261153  0.83269699 -0.209337462 -1.66086454       1       0
1425 -1.44139154 -1.51004376  0.396709014  0.78051653       1       0
1426  1.59284336  1.52684240 -0.728805870 -1.04610783       0       0
1427 -0.74785214 -0.81589836 -0.295915530  1.98270744       0       1
1428 -1.26800669 -1.33650741  0.245197395  1.51424005       1       0
1430 -1.26800669 -1.33650741 -0.837028455  1.07935660       0       0
1433 -1.70146882 -1.59681194  2.626094265 -1.66371064       0       0
1434  0.46584182  0.39885611 -0.122759394 -0.29644616       1       0
1435  1.67953578  1.78714693 -0.404138115 -0.03517456       1       0
1436 -0.22769758 -0.29528930 -0.404138115 -1.65175703       0       0
1437  0.03237970  0.05178341  0.136974810  1.07366441       0       0
1438 -1.52808397 -1.51004376  1.067689041 -0.66074644       0       0
1439  1.50615093  1.44007422  0.353419980  0.53347540       0       0
1440  1.15938123  0.74592882 -0.274271013  0.48793787       0       0
1441 -0.31439001 -0.46882565 -0.707161353  0.82093109       0       1
1442  1.07268880  1.09300152 -0.663872319  0.88354520       1       0
1443 -0.57446728 -0.64236200 -0.057825843  1.51082474       0       1
1445  1.24607365  1.09300152  1.738669068 -1.38194714       0       0
1446  0.11907212  0.05178341  1.457290347 -1.74909351       0       0
1447 -1.44139154 -1.42327559 -1.118407176 -0.28847710       1       0
1448  0.55253425  0.65916064  1.543868415  0.54827510       1       0
1450  1.50615093  1.44007422  0.764665803 -1.38194714       0       0
1451  1.15938123  1.17976970  0.136974810 -1.75421649       0       1
1453  0.72591910  0.65916064 -0.469071666  0.53176774       0       0
1455  0.46584182  0.39885611  1.608801966 -1.78950808       0       0
1456  1.50615093  1.61361058  1.868536170 -1.04610783       1       0
1457 -0.83454456 -0.81589836 -0.750450387 -1.74909351       0       0
1458 -0.31439001 -0.38205747 -1.053473625  0.64675002       1       0
1460  0.11907212 -0.03498477 -0.772094904 -0.59927077       0       1
1461 -0.48777486 -0.38205747  0.245197395 -0.27936959       0       0
1462  0.72591910  0.65916064 -0.555649734 -0.08298897       0       0
1463  0.11907212  0.05178341 -1.269918795  1.16075494       0       0
1464 -0.92123699 -0.90266653  0.439998048 -1.03870798       0       0
1465 -1.52808397 -1.42327559  1.002755490 -0.47518099       1       0
1466 -0.05431273 -0.12175295 -0.295915530 -0.71539148       0       0
1467 -1.09462184 -0.98943471  1.543868415  0.64618080       1       0
1468  1.41945851  1.35330605 -0.966895557 -1.17304370       1       0
1471  1.07268880  0.65916064  0.136974810 -1.16792073       1       0
1472  0.55253425  0.48562429  2.301426510  0.64731924       0       0
1474  1.67953578  1.26653787 -1.096762659 -0.82923532       0       0
1477  1.33276608  1.44007422 -0.209337462 -0.64879284       0       0
1478 -0.48777486 -0.55559383 -0.209337462 -1.05180002       0       0
1480 -1.52808397 -1.42327559 -0.663872319 -1.06090752       0       0
1481  1.85292063  1.87391511 -0.901962006  0.44126189       0       0
1484  1.07268880  1.00623334 -0.230981979 -0.25660082       0       0
1485  0.81261153  0.83269699 -0.728805870  0.54542901       1       0
1486 -1.00792941 -0.98943471  0.548220633 -1.66371064       0       0
1488 -1.52808397 -1.42327559  1.846891653  0.42077000       0       0
1491 -1.35469911 -1.42327559 -1.204985244  1.05431095       0       0
1492 -0.66115971 -0.72913018 -0.772094904  0.78848560       1       0
1493 -1.09462184 -1.07620288  1.284134211 -1.78950808       0       0
1494  1.07268880  1.17976970  0.223552878 -1.01764687       1       0
1496  0.55253425  0.65916064  2.258137476 -0.29644616       0       1
1498 -0.05431273  0.05178341 -0.014536809  1.05431095       0       0
1499  0.29245697  0.22531976  1.110978075  0.48623021       0       0
1500  0.55253425  0.48562429  0.375064497 -0.56625606       0       0
1501  0.72591910  0.65916064  0.007107708  1.05089564       1       0
1502 -1.35469911 -1.42327559 -0.837028455 -0.59073248       1       0
1504 -1.00792941 -1.07620288 -0.469071666  0.88354520       0       0
1505 -1.35469911 -1.24973924  2.539516197 -0.64879284       1       0
1506  0.46584182  0.39885611 -1.204985244 -0.60268608       0       0
1508 -0.22769758 -0.20852112 -0.512360700 -1.23053484       0       0
1509 -0.92123699 -0.90266653  0.028752225  0.43955424       0       0
1510  0.89930395  0.48562429  0.396709014 -0.29644616       1       0
1512  1.07268880  1.00623334 -0.187692945 -1.65175703       0       1
1513  0.63922667  0.65916064 -0.642227802 -0.89014177       0       1
1514 -0.05431273  0.05178341  2.366360061  1.16303182       1       0
1515 -0.14100516 -0.03498477  2.193203925  1.69752863       1       0
1518  0.55253425  0.48562429 -0.620583285 -0.26798520       0       0
1519 -0.22769758 -0.29528930 -0.209337462  1.07309519       0       0
1521  0.72591910  0.83269699  1.002755490  1.06512612       0       0
1522 -1.09462184 -1.07620288  2.193203925 -0.46322738       1       0
1523 -1.78816124 -1.85711647  0.591509667  0.88354520       0       0
1524 -0.40108243 -0.38205747  0.656443218 -0.64366986       0       0
1525 -0.48777486 -0.38205747  1.760313585  0.47484583       0       0
1526 -0.22769758 -0.20852112 -0.339204564  1.46813330       0       0
1527 -0.83454456 -0.90266653  0.136974810  0.81979265       0       0
1529 -1.00792941 -0.98943471  1.305778728  0.78677794       0       0
1530 -0.66115971 -0.55559383 -0.339204564 -0.83037376       0       0
1531  0.11907212  0.05178341 -1.161696210  0.51127585       0       0
1535  1.15938123  1.17976970 -0.945251040 -0.61691656       0       0
1536  1.33276608  1.44007422 -0.750450387 -0.61008593       0       0
1537 -0.83454456 -0.72913018 -0.014536809  1.39413480       0       0
1538  1.07268880  1.17976970 -0.707161353  0.81979265       0       0
1540 -1.44139154 -1.33650741 -1.140051693 -1.46106861       0       1
1541 -1.00792941 -1.07620288 -1.356496863 -1.05180002       0       0
1542  1.33276608  1.26653787  1.738669068 -0.26400067       1       0
1543  0.37914940 -0.03498477 -1.183340727 -0.31636884       0       0
1544  0.55253425  0.48562429  0.591509667  0.13616041       1       0
1545 -0.57446728 -0.46882565 -1.075118142 -0.59471701       0       0
1546  0.81261153  0.74592882  1.240845177 -0.28050803       1       0
1549  0.98599638  1.00623334 -1.140051693 -0.64366986       0       0
1550  0.98599638  0.91946517 -0.620583285  0.64731924       0       1
1553 -1.44139154 -1.33650741  2.626094265  0.64504236       0       0
1554  0.03237970  0.13855158  0.201908361  1.39356558       0       1
1555 -0.31439001 -0.46882565 -0.858672972 -1.06204596       0       1
1556  1.15938123  1.09300152 -0.534005217 -0.09038882       0       0
1557 -1.26800669 -1.68358012 -0.295915530  0.55510573       0       0
1558  0.46584182  0.39885611 -0.707161353  1.00820420       0       0
1559 -0.92123699 -0.90266653 -0.036181326 -1.05180002       0       1
1560  1.15938123  1.26653787  0.613154184 -0.27936959       0       0
1561 -0.92123699 -0.90266653 -0.923606523  1.38730417       0       1
1562  0.03237970 -0.03498477 -0.014536809 -0.03517456       0       0
1563 -1.00792941 -0.98943471  0.331775463 -0.79963592       0       0
1564  0.81261153  0.74592882 -1.183340727 -0.60268608       0       0
1566 -1.00792941 -0.98943471  0.656443218  1.47439471       0       1
1567  1.33276608  1.26653787 -0.728805870  1.07935660       0       0
1568  1.50615093  1.61361058  0.396709014  0.87785301       1       0
1569  1.15938123  1.09300152 -0.036181326 -0.46550426       1       0
1570  0.46584182  0.57239246 -0.642227802  0.64731924       0       1
1571 -0.40108243 -0.38205747  0.872888388  0.87500691       0       0
1576  0.37914940  0.48562429  0.310130946 -1.78210823       0       0
1577 -0.22769758 -0.20852112  0.526576116 -0.59016326       1       0
1578 -1.00792941 -1.07620288 -0.187692945 -0.61179359       0       0
1579 -0.66115971 -0.64236200 -1.334852346  0.55510573       1       0
1581 -0.57446728 -0.55559383 -1.334852346 -0.61179359       1       0
1582  0.63922667  0.74592882 -1.075118142  0.53347540       1       0
1583 -0.22769758 -0.12175295  2.084981340 -0.64366986       0       0
1588  0.55253425  0.65916064 -1.140051693  0.49363006       1       0
1589 -1.44139154 -1.51004376 -0.404138115  1.39356558       0       1
1590  0.98599638  1.00623334  1.089333558 -1.77527760       0       0
1591  0.29245697  0.22531976 -0.339204564  1.50911708       0       0
1593  0.89930395  0.91946517  2.561160714 -1.75250883       0       0
1594  1.50615093  1.52684240  0.201908361 -1.05180002       0       1
1595 -0.74785214 -0.72913018  0.418353531 -1.78893886       0       0
1596  0.89930395  0.48562429 -0.772094904  0.64731924       0       1
1597 -0.05431273 -0.03498477 -0.404138115 -0.31978415       0       0
1598  1.76622821  1.78714693 -1.356496863 -0.47973474       0       1
1599 -0.48777486 -0.46882565  0.245197395  0.78677794       1       0
1600  0.37914940  0.31208793  1.089333558  0.07810006       0       0
1601  1.24607365  1.35330605  1.197556143 -0.64879284       1       0
1602 -1.26800669 -1.16297106  2.301426510  0.13616041       0       0
1605  0.81261153  0.74592882  0.807954837 -1.51742131       1       0
1606  0.72591910  0.65916064  0.201908361  0.22040485       0       1
1607 -0.92123699 -0.90266653 -0.880317489 -1.65175703       0       0
1609 -0.83454456 -0.90266653 -0.837028455  0.81979265       1       0
1611 -0.66115971 -0.55559383  0.634798701  0.64731924       0       0
1612  1.07268880  1.00623334  0.028752225 -0.61008593       1       0
1613 -0.40108243 -0.29528930 -0.880317489  0.78677794       0       0
1614  1.24607365  1.17976970 -0.469071666  0.64731924       0       0
1615  0.11907212  0.22531976  0.331775463  0.99738903       0       0
1617  0.20576455  0.22531976  0.223552878  0.70253350       0       0
1619 -1.44139154 -1.51004376 -0.966895557  0.88354520       0       1
1621 -0.57446728 -0.55559383 -1.118407176  0.49363006       1       0
1623 -0.57446728 -0.55559383 -1.075118142  0.82150031       1       0
1624  1.50615093  1.52684240  1.717024551 -1.77755447       0       0
1626  0.89930395  0.83269699 -1.140051693  0.78222418       1       0
1631 -0.40108243 -0.29528930  0.548220633 -0.61008593       1       0
1632  1.33276608  1.35330605  1.717024551 -1.17418214       0       0
1634  1.41945851  1.52684240 -0.447427149 -0.59585545       0       0
1635  1.15938123  1.17976970 -1.204985244  1.50627098       0       1
1637  1.67953578  1.61361058  0.569865150 -0.59528623       0       0
1638 -1.35469911 -1.24973924  2.582805231  0.48623021       0       1
1639 -1.18131426 -1.16297106  1.110978075  1.11863272       0       0
1640  0.89930395  0.91946517 -0.122759394  0.79873154       1       0
1641 -0.83454456 -0.90266653 -0.404138115 -1.79804636       0       0
1642  1.07268880  1.17976970  1.695380034 -0.56113308       0       0
1643 -1.61477639 -1.51004376  0.223552878  1.50627098       0       1
1646  0.89930395  1.00623334  0.331775463 -0.61008593       0       0
1647  0.55253425  0.48562429  0.418353531 -0.80988187       0       0
1648 -0.92123699 -1.33650741 -0.122759394 -1.51343677       0       0
1649  0.11907212  0.05178341  0.245197395 -0.03517456       1       0
1650 -1.44139154 -1.42327559 -0.014536809  1.06512612       0       0
1651 -1.26800669 -1.24973924  0.201908361 -0.59016326       0       0
1652  1.41945851  1.35330605  1.825247136  0.64504236       1       0
1653  0.20576455 -0.20852112  2.344715544 -0.30839977       0       0
1654 -1.70146882 -1.68358012 -1.075118142  1.98270744       1       0
1656 -0.92123699 -0.81589836 -0.447427149 -1.03187735       0       1
1657 -0.48777486 -0.46882565  2.193203925 -0.29701538       1       0
1658 -1.26800669 -1.33650741 -0.988540074  0.77994731       0       1
1659  0.37914940  0.39885611 -1.291563312 -0.64366986       0       0
1660 -1.09462184 -1.16297106  1.414001313  1.51424005       0       0
1662 -0.66115971 -0.55559383 -0.209337462 -0.61179359       0       0
1663  1.50615093  1.52684240  0.223552878  0.81922343       0       0
1664  0.98599638  1.00623334 -0.685516836  1.08277191       0       1
1665  1.33276608  1.26653787 -0.230981979 -0.88957255       0       0
1667  0.46584182  0.39885611  2.517871680  1.12147882       1       0
1669  1.50615093  1.44007422 -1.161696210 -1.76560087       0       0
1670 -0.22769758 -0.20852112 -1.140051693  1.06398768       1       0
1672 -1.00792941 -0.98943471 -1.161696210 -0.29587694       0       0
1673  0.20576455  0.22531976  2.149914891  0.78450106       0       1
1674 -1.44139154 -1.33650741  0.158619327  0.53916759       1       0
1675 -0.74785214 -0.81589836  1.414001313  1.50627098       1       0
1676  1.24607365  1.26653787  0.981110973 -1.65175703       1       0
1679  0.89930395  0.83269699 -0.014536809  0.49363006       1       0
1680  0.98599638  0.91946517  0.872888388  0.80954671       0       0
1681  1.41945851  1.35330605 -0.642227802 -0.61179359       1       0
1682 -1.18131426 -1.07620288  1.457290347 -1.80032324       1       0
1683  0.46584182  0.48562429 -1.291563312 -0.56113308       1       0
1684  0.81261153  0.74592882 -0.880317489 -0.28904631       1       0
1685  1.24607365  1.17976970  0.201908361  0.48964553       1       0
1686 -0.48777486 -0.38205747  0.331775463 -1.79690792       0       0
1690  1.15938123  1.17976970 -1.140051693 -0.64879284       0       1
1691 -1.70146882 -1.68358012  0.613154184  1.33948976       0       0
1693  1.07268880  1.00623334 -0.901962006 -0.08754272       0       1
1694  0.98599638  0.91946517 -0.663872319  1.39356558       0       0
1695  0.20576455  0.22531976 -0.837028455  0.48793787       0       0
1697 -0.05431273  0.05178341  1.435645830 -1.22028889       1       0
1699 -0.14100516 -0.03498477  1.630446483 -0.59585545       0       0
1700  0.46584182  0.39885611 -1.269918795  0.88354520       0       0
1702 -1.44139154 -1.51004376  0.743021286  0.64675002       0       0
1703  0.89930395  0.83269699  1.046044524  0.22040485       1       0
1704  1.67953578  1.78714693 -0.728805870  0.78222418       0       1
1705  0.03237970  0.13855158  2.691027816  1.33948976       1       0
1707  0.89930395  0.91946517  0.223552878 -0.28221568       0       0
1708  1.33276608  1.44007422 -0.923606523 -0.45184300       0       1
1710  1.07268880  1.17976970  0.310130946  0.22040485       1       0
1712 -1.61477639 -1.51004376  2.755961367  1.50911708       0       0
1713 -0.14100516 -0.03498477 -1.161696210 -0.22074001       0       0
1715  0.46584182  0.57239246  1.760313585  0.88354520       1       0
1716 -0.57446728 -0.64236200 -1.053473625  1.25353767       0       1
1717 -1.18131426 -1.07620288  2.734316850 -1.04610783       1       0
1718 -1.09462184 -1.16297106  0.591509667  0.31831055       0       0
1720 -0.83454456 -0.72913018  2.474582646 -1.06090752       1       0
1721  0.55253425  0.65916064 -1.421430414  1.07707972       0       0
1722  0.72591910  0.74592882 -0.317560047 -0.17121794       1       0
1723 -1.70146882 -1.59681194 -0.036181326 -0.29644616       0       0
1724 -0.57446728 -0.46882565 -0.404138115  1.51025552       0       0
1725  0.03237970 -0.12175295 -1.075118142 -1.78893886       0       1
1726  0.98599638  1.00623334 -1.183340727  1.24101484       0       0
1727  1.15938123  1.09300152 -0.057825843 -1.04326173       1       0
1729  0.55253425  0.48562429 -0.988540074  1.27346034       0       0
1730  0.37914940 -0.03498477 -1.053473625 -1.05180002       0       0
1732 -0.22769758 -0.12175295  1.110978075 -0.59528623       0       1
1735 -0.92123699 -0.90266653  0.115330293  0.88354520       0       0
1737  0.98599638  0.91946517  1.240845177  1.11863272       1       0
1739  1.33276608  1.35330605 -0.772094904 -1.16052088       0       1
1740 -1.09462184 -1.16297106  0.201908361  1.16303182       0       0
1741 -0.05431273 -0.03498477 -0.317560047  1.04748032       0       0
1742 -0.05431273  0.05178341  1.024400007  0.51127585       0       0
1743  1.59284336  1.52684240 -0.685516836  1.57173119       1       0
1744  0.37914940  0.31208793 -0.901962006  0.87273003       0       0
1745 -1.52808397 -1.51004376 -0.966895557 -1.17418214       0       0
1746 -0.74785214 -0.72913018 -0.728805870 -1.76617009       1       0
1747  1.41945851  1.35330605 -1.053473625 -1.38194714       0       1
1748 -1.44139154 -1.33650741 -1.140051693 -1.39503918       0       0
1749  0.29245697  0.22531976  0.115330293  1.50911708       0       1
1750  0.03237970  0.13855158 -0.469071666  1.50627098       1       0
1753 -1.09462184 -1.07620288  1.760313585 -0.25660082       0       0
1755  0.37914940  0.31208793  0.136974810  1.39356558       0       0
1756 -1.52808397 -1.51004376 -0.404138115 -0.29644616       0       0
1757 -0.31439001 -0.29528930 -1.096762659  1.07309519       1       0
1758 -1.09462184 -0.98943471 -0.295915530 -1.44456125       0       0
1759 -0.48777486 -0.55559383 -0.425782632  1.61385341       1       0
1760 -1.26800669 -1.24973924 -0.642227802  0.88354520       0       0
1761 -0.40108243 -0.38205747 -0.880317489  0.64959612       0       0
1762  0.55253425  0.57239246 -0.620583285  0.88354520       1       0
1763  1.67953578  1.26653787 -0.404138115  0.77311668       0       0
1765 -0.05431273  0.05178341 -0.642227802  0.81296202       0       1
1767  1.59284336  1.52684240 -1.118407176 -0.26798520       1       0
1768 -0.40108243 -0.55559383  0.007107708 -0.27140052       0       1
1769 -0.22769758 -0.20852112  1.175911626 -0.61179359       0       0
1770  1.24607365  1.35330605 -0.252626496  0.50842976       0       0
1771  1.41945851  1.44007422 -1.399785897 -1.05180002       0       0
1772  0.03237970  0.05178341 -1.399785897  1.05601861       1       0
1773 -0.83454456 -0.81589836 -1.269918795  0.88354520       1       0
1774 -1.26800669 -1.33650741 -0.988540074 -0.64366986       0       0
1775 -0.22769758 -0.20852112  0.201908361 -0.03346690       0       1
1778  0.55253425  0.57239246 -0.858672972 -0.02891315       1       0
1780 -1.00792941 -0.98943471 -0.122759394  0.88354520       0       0
1781  0.29245697  0.31208793  0.180263844  1.07195675       0       0
1782  0.55253425  0.48562429 -1.183340727 -1.43317687       1       0
1784  0.63922667  0.57239246  2.561160714  0.88354520       0       0
1785  0.72591910  0.74592882  0.981110973 -1.03187735       0       1
1786 -1.44139154 -1.51004376  2.517871680  0.51924492       1       0
1788 -1.18131426 -1.24973924 -0.642227802  0.81979265       0       0
1789 -0.66115971 -0.64236200 -1.096762659 -1.16792073       0       0
1790 -0.14100516 -0.03498477  2.106625857 -1.04610783       0       0
1791 -0.14100516 -0.03498477 -0.663872319 -0.59414780       0       0
1792  0.20576455  0.13855158  1.414001313  0.64959612       0       0
1794 -0.92123699 -0.98943471  0.851243871  0.81296202       0       1
1798 -0.92123699 -0.90266653  1.500579381 -1.02618515       0       0
1799 -0.14100516 -0.03498477  2.409649095  0.52266024       0       1
1801  0.98599638  1.09300152 -0.620583285  0.51924492       0       1
1803 -1.44139154 -1.51004376  1.024400007 -0.20594031       1       0
1804  1.07268880  1.00623334 -0.317560047  0.78222418       0       0
1805 -0.48777486 -0.38205747 -0.209337462 -0.28847710       0       0
1806  0.46584182  0.48562429 -1.269918795 -0.45241222       1       0
1807  1.33276608  1.35330605 -1.378141380 -1.38194714       0       0
1808  0.03237970 -0.03498477 -0.274271013 -1.78267745       1       0
1809  0.81261153  0.91946517 -0.512360700 -0.08981960       0       0
1810 -0.92123699 -0.90266653  0.115330293  1.06854143       0       0
1812 -1.52808397 -1.51004376 -1.356496863  0.77767043       0       0
1814  1.33276608  1.35330605 -0.404138115 -1.78438510       0       1
1815  0.20576455  0.13855158  0.115330293  1.46813330       0       1
1817 -0.05431273 -0.12175295  0.375064497 -0.45241222       1       0
1818 -0.83454456 -0.81589836 -1.399785897  0.81751577       0       0
1819 -0.05431273 -0.03498477 -0.252626496  1.50854786       1       0
1820  1.24607365  1.17976970 -0.317560047  0.53632150       0       0
1821  0.11907212  0.13855158 -1.053473625 -1.57320479       0       0
1822 -1.18131426 -1.16297106 -0.425782632  1.61669950       0       0
1823  0.20576455  0.22531976  0.829599354 -0.08754272       0       0
1824 -1.09462184 -1.07620288  1.110978075 -1.05180002       0       0
1825  0.29245697  0.22531976  2.604449748  0.48623021       0       0
1826  0.89930395  1.00623334  1.890180687  0.88354520       0       0
1827  1.15938123  1.09300152 -0.837028455 -1.17418214       0       0
1828  0.89930395  0.83269699  0.851243871 -0.26400067       1       0
1829 -1.35469911 -1.42327559 -1.053473625 -0.59471701       1       0
1831 -0.66115971 -0.64236200  0.981110973  0.79873154       1       0
1833  0.72591910  0.74592882  0.115330293 -1.04610783       0       0
1834 -1.00792941 -0.98943471  2.258137476  0.64618080       0       0
1835 -0.40108243 -0.38205747 -1.096762659  0.55510573       1       0
1836  0.11907212  0.22531976  2.106625857  0.78450106       1       0
1837 -0.14100516 -0.12175295  0.007107708 -1.77983135       0       0
1839 -1.26800669 -1.16297106  0.548220633  0.88354520       0       0
1840 -1.52808397 -1.59681194 -0.663872319  1.39356558       0       0
1842 -0.31439001 -0.29528930  0.375064497  0.80556217       0       0
1844 -1.35469911 -1.24973924  1.738669068 -1.67224892       0       0
1845  1.67953578  1.70037875 -1.140051693 -0.25660082       0       1
1846 -0.22769758 -0.20852112 -0.187692945 -0.05851255       1       0
1847  0.89930395  1.00623334 -1.269918795 -1.75250883       0       0
1852 -1.00792941 -1.07620288 -0.295915530  0.48224568       0       0
1854  0.46584182  0.39885611 -0.295915530 -1.57491244       0       0
1855  0.55253425  0.39885611 -0.707161353  1.27232190       0       1
1856  1.67953578  1.61361058 -0.945251040  0.64675002       0       1
1857  0.46584182  0.31208793 -1.140051693  1.05089564       1       0
1858 -0.74785214 -0.64236200  0.678087735  0.51127585       0       0
1860  1.85292063  1.78714693 -1.161696210 -0.81215874       1       0
1861 -1.35469911 -1.24973924  2.279781993 -1.17532058       0       1
1862  1.41945851  1.52684240  1.890180687 -1.64720328       0       0
1863 -0.31439001 -0.29528930  0.180263844  1.39356558       0       0
1864  0.20576455  0.13855158 -0.663872319  0.80840827       0       0
1865  1.33276608  1.35330605 -0.274271013 -0.60610140       1       0
1866 -0.83454456 -1.24973924  0.353419980 -1.03927719       0       0
1867  0.20576455  0.31208793  0.353419980  0.77140902       0       0
1868  1.67953578  1.61361058 -1.140051693  0.78848560       1       0
1869 -1.78816124 -1.68358012  0.959466456 -0.19057140       0       0
1871  1.50615093  1.44007422  0.786310320  1.06114158       0       0
1872 -1.26800669 -1.33650741  0.548220633  0.51070664       0       0
1873 -0.22769758 -0.29528930  0.526576116  0.70253350       0       1
1876 -1.61477639 -1.51004376  0.829599354 -1.76560087       0       1
1877  1.41945851  1.52684240  1.067689041 -1.68363331       0       0
1878  0.46584182  0.31208793  0.093685776 -1.78210823       0       0
1880  0.89930395  0.83269699  0.093685776 -1.57491244       0       1
1882  0.03237970 -0.12175295  0.180263844 -1.02618515       0       1
1889 -0.83454456 -0.90266653  0.418353531  0.64731924       0       0
1890  0.89930395  0.83269699  0.807954837 -0.03517456       0       0
1891  0.55253425  0.57239246  2.388004578 -1.44456125       0       0
1892 -0.31439001 -0.20852112 -0.512360700  1.11464819       0       0
1893  0.81261153  0.83269699 -0.404138115  0.53632150       0       1
1894  0.29245697  0.31208793 -1.313207829  0.81979265       0       0
1897 -1.18131426 -1.16297106  0.201908361  0.64675002       0       0
1898  0.72591910  0.74592882  0.526576116 -0.05851255       0       0
1899  0.37914940  0.31208793 -0.663872319  1.40153465       0       0
1900  1.15938123  1.09300152 -0.858672972  0.53916759       0       0
1901  1.33276608  1.35330605 -1.378141380 -1.02618515       0       0
1902 -0.22769758 -0.12175295  2.755961367  0.64731924       1       0
1905 -0.66115971 -0.55559383  0.375064497  1.07707972       1       0
1907 -0.31439001 -0.29528930  0.526576116 -0.17178716       1       0
1909  0.37914940  0.48562429 -1.118407176 -0.64366986       0       0
1910  0.89930395  0.83269699  0.591509667 -1.77584682       0       1
1912  1.24607365  1.26653787 -0.469071666  0.87728379       0       1
1914  0.98599638  1.09300152  1.305778728 -0.60211686       0       0
1917  0.98599638  1.00623334 -0.209337462  1.12147882       0       1
1918  1.41945851  1.00623334 -0.447427149  1.61271497       0       0
1919 -0.57446728 -0.98943471  0.959466456  0.22040485       1       0
1920 -0.66115971 -0.64236200 -1.183340727 -0.62545485       1       0
1921  0.72591910  0.65916064 -0.923606523 -0.59073248       1       0
1922 -0.05431273  0.05178341 -0.230981979  1.39641168       0       0
1923 -0.57446728 -0.46882565 -1.053473625 -0.08241975       0       0
1925  1.41945851  1.52684240  0.093685776 -0.65960800       0       0
1926 -0.22769758 -0.12175295  0.158619327 -1.66371064       0       0
1927 -1.35469911 -1.24973924 -0.707161353 -1.74909351       0       0
1931  0.89930395  0.74592882 -0.490716183  0.51924492       0       1
1932 -1.52808397 -1.59681194  1.435645830 -0.59528623       1       0
1933  1.59284336  1.61361058 -0.014536809 -1.76161634       0       1
1934  1.50615093  1.61361058 -0.728805870 -1.05692299       0       0
1935 -0.14100516 -0.03498477 -0.101114877  1.50627098       0       0
1936 -1.00792941 -0.98943471  2.539516197  0.52266024       0       0
1937  0.37914940  0.31208793  0.180263844 -1.63752655       0       1
1938  0.46584182  0.39885611  2.323071027  1.07195675       0       0
1941  0.98599638  1.09300152 -0.404138115 -0.30612289       0       0
1942 -0.22769758 -0.12175295 -0.339204564  1.21767686       1       0
1943  1.33276608  1.35330605 -0.966895557 -1.68363331       1       0
1944  0.29245697  0.22531976 -0.750450387  1.33948976       0       0
1945  0.55253425  0.65916064 -0.750450387 -1.74909351       0       1
1946  0.98599638  1.09300152 -0.945251040 -0.03517456       0       1
1947  0.63922667  0.22531976 -0.339204564  0.88354520       0       0
1948  0.55253425  0.65916064 -0.252626496  0.53689072       0       0
1949 -0.57446728 -0.46882565 -0.252626496  0.44809253       0       0
1950  1.07268880  1.17976970 -1.183340727 -1.51628287       0       0
1951 -0.83454456 -0.72913018 -0.772094904  0.53575228       0       0
1952 -0.05431273  0.05178341  0.223552878  0.78677794       0       0
1953 -1.35469911 -1.33650741  0.093685776 -0.64366986       0       0
1954  0.29245697  0.39885611 -1.118407176 -1.77015462       0       0
1955 -0.14100516 -0.03498477  0.158619327 -1.66371064       0       0
1956 -0.22769758 -0.29528930 -0.901962006 -1.57491244       0       1
1957 -0.31439001 -0.20852112  0.331775463  0.78051653       0       0
1958 -1.44139154 -1.42327559  1.024400007 -1.78723120       1       0
1959 -1.52808397 -1.59681194 -0.685516836  1.47667159       0       0
1960  0.37914940  0.31208793  1.219200660  1.51708615       0       0
1961 -0.14100516 -0.12175295 -0.945251040  1.39356558       0       0
1962  0.55253425  0.48562429  0.872888388  0.64675002       0       0
1964  1.41945851  1.52684240 -0.512360700  0.78051653       1       0
1966 -0.05431273 -0.03498477  0.439998048 -1.74909351       0       1
1969  0.72591910  0.31208793 -0.534005217 -0.77800559       0       0
1972 -0.31439001 -0.29528930 -0.036181326  1.39356558       0       0
1973 -1.52808397 -1.59681194  0.872888388  0.81865421       0       0
1974  0.11907212  0.13855158 -1.356496863 -0.55544089       1       0
1976 -1.44139154 -1.51004376  0.851243871  0.54884432       1       0
1977 -0.57446728 -0.64236200  0.136974810  1.39356558       1       0
1979 -0.74785214 -0.81589836 -0.901962006  0.82206953       1       0
1983  1.07268880  1.09300152 -1.204985244  0.87273003       0       1
1985 -1.70146882 -1.68358012 -0.404138115 -0.30612289       0       0
1987 -0.31439001 -0.29528930  0.872888388 -1.76617009       1       0
1988  0.89930395  0.91946517 -0.469071666  0.54087525       0       1
1989  0.55253425  0.65916064 -1.204985244 -1.06261518       0       0
1992  0.03237970  0.13855158 -0.945251040 -1.37796261       0       1
1993  0.55253425  0.65916064 -0.772094904  0.64561158       1       0
1994 -1.35469911 -1.33650741  1.046044524  0.78393184       1       0
1995 -1.18131426 -1.07620288  2.366360061  0.51924492       0       0
1996 -0.92123699 -0.81589836 -0.707161353  0.88354520       0       0
1997  0.29245697  0.31208793 -0.772094904  0.64731924       0       0
1999  0.89930395  1.00623334  0.634798701  0.53689072       0       1
2000  0.20576455  0.13855158  0.136974810  0.43955424       1       0
2001 -1.52808397 -1.59681194 -1.118407176  1.42430342       0       0
2004 -0.14100516 -0.03498477  1.089333558 -1.64549562       0       0
2005 -1.35469911 -1.42327559 -0.642227802 -0.26400067       0       0
2007  1.59284336  1.61361058  0.028752225  0.88354520       0       0
2009  1.50615093  1.52684240 -0.923606523 -0.64366986       0       0
2010 -1.78816124 -1.77034829  0.548220633 -0.24635488       0       0
2014 -0.48777486 -0.46882565 -0.469071666 -0.27140052       0       1
2015  0.29245697 -0.12175295  2.063336823  1.07366441       0       1
2016 -1.35469911 -1.33650741  1.457290347  1.46813330       0       0
2017 -0.40108243 -0.29528930  0.418353531 -0.18943296       0       0
2019  1.50615093  1.61361058  1.868536170 -1.75250883       1       0
2021  1.15938123  1.17976970 -0.880317489  0.64618080       0       1
2026  0.11907212 -0.03498477  0.115330293  0.88354520       0       1
2029 -0.31439001 -0.29528930 -1.399785897 -0.82980454       1       0
2032  1.24607365  1.26653787  0.136974810  0.81979265       0       1
2033  1.41945851  1.44007422 -0.901962006 -1.65175703       0       1
2035  1.15938123  1.09300152  0.375064497 -0.19740203       0       0
2036 -0.83454456 -0.90266653 -0.966895557 -0.05851255       0       0
2037  0.03237970 -0.12175295 -1.183340727  0.64731924       0       1
2039  0.37914940  0.31208793  1.652091000  0.78734716       0       0
2042 -0.05431273 -0.03498477  2.301426510  1.27232190       0       1
2043 -0.40108243 -0.29528930  1.024400007  0.53176774       0       0
2044  0.98599638  1.00623334 -1.053473625 -1.77527760       1       0
2045  0.46584182  0.39885611  0.613154184 -0.27936959       0       0
2048  1.50615093  1.52684240  1.305778728 -1.43886906       0       1
2050 -0.22769758 -0.20852112  0.439998048 -0.25660082       0       0
2052 -1.00792941 -1.07620288 -0.772094904 -1.79292339       0       0
2054  1.07268880  1.00623334  0.245197395 -0.60211686       1       0
2056  0.29245697  0.22531976 -1.053473625 -1.64720328       0       0
2058 -0.74785214 -0.72913018  1.110978075 -0.80475889       1       0
2059 -1.09462184 -1.16297106 -1.204985244 -0.61179359       0       0
2060 -1.52808397 -1.51004376  2.149914891 -0.59585545       1       0
2061  0.72591910  0.74592882 -0.858672972 -0.61179359       0       0
2062  1.50615093  1.52684240  1.846891653  0.44524643       0       0
2063  0.98599638  0.91946517 -0.404138115 -0.36816778       0       1
2064  0.89930395  0.83269699 -0.901962006  0.51924492       1       0
2065  0.72591910  0.74592882 -0.187692945  0.78393184       0       0
2066 -1.44139154 -1.33650741  0.201908361 -0.46322738       0       1
2067 -0.40108243 -0.38205747 -0.945251040  1.50627098       1       0
2068  1.07268880  1.00623334  2.301426510 -0.79565139       0       0
2069  1.33276608  1.44007422 -1.313207829 -1.78950808       1       0
2071  1.41945851  1.44007422  0.461642565 -1.17304370       0       1
2072  0.55253425  0.65916064  0.201908361  0.87500691       0       0
2075  0.55253425  0.57239246  0.158619327 -0.69774569       0       0
2077  0.29245697  0.22531976  0.981110973 -1.21687358       0       0
2078 -1.00792941 -0.98943471  1.868536170  0.53518306       0       0
2079 -0.92123699 -0.81589836 -1.140051693  1.50627098       1       0
2080 -1.70146882 -1.59681194 -0.728805870  0.54884432       0       0
2081  1.67953578  1.70037875 -0.101114877 -0.83208141       0       0
2082  0.55253425  0.57239246 -0.620583285  1.04634188       0       0
2083 -1.18131426 -1.16297106 -0.404138115 -1.06261518       0       0
2084 -1.26800669 -1.16297106 -0.772094904  0.48793787       0       0
2087 -0.83454456 -0.72913018  0.223552878 -1.63752655       0       0
2088  0.46584182  0.57239246  2.474582646  0.64731924       1       0
2091  0.37914940  0.39885611  0.115330293  1.05601861       0       0
2092 -1.26800669 -1.42327559 -0.707161353 -1.02903125       0       0
2093  0.63922667  0.22531976 -1.183340727 -0.28164646       0       0
2094  0.20576455  0.22531976  0.028752225  0.53689072       0       0
2095  0.98599638  0.91946517 -0.209337462 -1.78950808       0       1
2096  0.11907212  0.05178341  2.171559408  0.48793787       0       0
2098 -0.74785214 -0.81589836 -1.291563312 -1.38194714       0       1
2099  1.15938123  1.26653787  0.439998048 -1.75250883       0       0
2103 -1.78816124 -1.85711647  0.158619327 -0.29644616       1       0
2104 -0.74785214 -0.64236200  1.717024551 -1.44456125       1       0
2105 -0.48777486 -0.55559383 -0.339204564 -1.66371064       0       0
2108 -0.40108243 -0.29528930  0.245197395 -1.63752655       0       0
2110  0.11907212  0.22531976  2.258137476 -0.08754272       0       0
2112  1.24607365  1.17976970 -0.728805870  0.53347540       0       0
2113 -1.61477639 -1.59681194  0.634798701 -0.02891315       0       0
2114  0.98599638  1.09300152 -1.053473625 -0.62830095       1       0
2116  0.98599638  0.91946517 -0.945251040  1.08277191       0       1
2117 -0.14100516 -0.29528930 -0.079470360  0.99738903       0       1
2118 -1.26800669 -1.16297106 -1.269918795 -1.01764687       0       1
2119 -1.26800669 -1.33650741  1.110978075 -1.05180002       1       0
2120 -0.57446728 -0.64236200 -0.512360700  0.99909669       0       1
2121 -0.40108243 -0.29528930 -0.642227802 -0.03517456       0       0
2122 -0.40108243 -0.29528930 -0.772094904 -0.56113308       0       0
2123  0.81261153  0.74592882 -0.209337462  0.15323699       0       1
2124 -1.52808397 -1.59681194 -1.399785897  1.05089564       0       0
2125 -0.92123699 -0.98943471 -0.642227802 -0.63399314       0       1
2127 -0.14100516 -0.12175295  0.201908361 -0.59585545       0       0
2129  1.67953578  1.70037875 -0.728805870  0.53290618       0       0
2130 -0.92123699 -0.90266653 -0.339204564 -0.80475889       0       0
2131  0.81261153  0.91946517  0.007107708  0.81922343       0       1
2132  0.81261153  0.91946517 -1.269918795  1.46813330       0       0
2133  1.15938123  1.26653787 -1.356496863  1.01389639       1       0
2134 -0.57446728 -0.46882565 -0.707161353  1.06284924       0       0
2136 -0.05431273 -0.46882565 -0.988540074  1.06512612       0       0
2141  0.63922667  0.57239246  0.331775463 -0.59073248       0       0
2143  0.81261153  0.91946517 -0.252626496  0.44126189       0       0
2145 -1.09462184 -1.24973924  2.041692306  0.88354520       0       1
2146  0.98599638  1.00623334 -0.728805870  0.88354520       0       1
2147 -1.61477639 -1.51004376 -0.945251040 -0.03403612       0       0
2149  0.72591910  0.83269699 -0.339204564 -0.66074644       1       0
2151  1.41945851  1.52684240 -0.425782632 -1.05180002       0       0
2152 -0.40108243 -0.38205747 -1.183340727 -0.81842015       1       0
2154 -0.48777486 -0.55559383  1.067689041 -1.77983135       0       0
2156  1.41945851  1.52684240  1.738669068  0.64731924       0       0
2157 -0.92123699 -0.81589836  0.418353531 -1.37796261       1       0
2159  0.37914940  0.39885611  0.201908361  0.88354520       0       0
2160  1.33276608  1.26653787  0.548220633  0.52209102       0       0
2162  0.55253425  0.65916064 -0.772094904  0.54827510       0       0
2163 -0.57446728 -0.64236200  0.007107708  1.04748032       0       1
2165 -1.61477639 -1.51004376  0.656443218 -0.66074644       1       0
2166 -1.61477639 -1.77034829 -0.772094904  1.57173119       0       0
2167 -1.18131426 -1.07620288 -1.053473625  0.20275906       0       1
2169  0.81261153  0.74592882 -0.209337462 -0.05965098       0       0
2170  0.55253425  0.57239246 -0.945251040  0.64731924       1       0
2171 -0.57446728 -0.64236200 -0.469071666  1.06512612       0       1
2172 -0.92123699 -0.81589836 -0.685516836 -0.03403612       0       0
2173 -0.57446728 -0.46882565  0.115330293 -0.64879284       1       0
2175 -1.35469911 -1.33650741  1.067689041  1.38730417       1       0
2176 -0.74785214 -0.72913018  1.868536170  0.64731924       1       0
2177 -0.40108243 -0.55559383 -0.490716183 -1.05180002       0       1
2180  0.29245697  0.22531976 -0.122759394 -1.78950808       0       0
2181  1.07268880  1.09300152 -0.685516836 -1.01764687       1       0
2182 -0.05431273 -0.46882565 -0.901962006  0.55510573       0       0
2183 -0.48777486 -0.55559383 -1.118407176  0.79588544       1       0
2184 -1.00792941 -1.07620288 -0.966895557 -1.78893886       1       0
2186  0.72591910  0.83269699 -0.101114877 -0.65960800       0       0
2187 -1.70146882 -1.59681194  0.396709014  1.61271497       1       0
2188  0.72591910  0.83269699 -0.728805870 -1.78950808       1       0
2189 -1.44139154 -1.42327559 -1.399785897 -0.64366986       0       0
2190  0.20576455  0.22531976  1.175911626  0.64959612       0       0
2191 -1.61477639 -1.51004376  0.786310320  1.69752863       1       0
2192 -0.31439001 -0.20852112  2.106625857 -1.78780042       1       0
2193 -1.78816124 -1.68358012 -1.313207829  1.50627098       0       0
2194 -0.05431273 -0.12175295 -1.053473625  0.82036187       1       0
2197  0.46584182  0.31208793  2.496227163  1.16303182       0       0
2199  1.15938123  1.26653787 -0.339204564 -1.03187735       0       0
2202 -0.40108243 -0.38205747  0.807954837 -0.65960800       1       0
2203  0.29245697  0.31208793 -0.663872319  0.87728379       0       0
2205  1.50615093  1.44007422 -1.161696210  0.87443769       1       0
2206  1.50615093  1.44007422  0.591509667  1.50911708       1       0
2207 -1.09462184 -1.16297106 -0.555649734 -0.19170983       0       0
2208 -0.66115971 -0.72913018  2.301426510 -1.66371064       0       0
2209  1.59284336  1.70037875  0.396709014 -1.17190526       1       0
2210 -0.83454456 -0.90266653 -0.880317489  0.51924492       0       1
2211  1.07268880  1.09300152 -0.490716183  1.04634188       1       0
2212 -0.57446728 -0.55559383 -0.923606523 -0.25660082       1       0
2214  1.33276608  1.44007422 -0.620583285  0.82093109       0       0
2215  0.63922667  0.57239246  0.331775463 -0.24635488       0       0
2216 -1.52808397 -1.51004376  2.582805231  0.75888620       0       1
2217  1.59284336  1.70037875  0.331775463  0.87614535       0       0
2218  0.20576455  0.31208793  1.911825204 -1.03187735       0       0
2219 -0.66115971 -0.64236200 -1.399785897 -0.30384601       1       0
2220  0.55253425  0.13855158 -0.339204564 -0.03802066       0       0
2223 -0.05431273 -0.03498477 -0.707161353  1.04748032       0       0
2224  0.63922667  0.65916064  0.007107708 -0.82923532       0       1
2225 -0.66115971 -0.72913018 -0.966895557 -0.61691656       1       0
2226  0.72591910  0.31208793 -1.053473625 -1.51571365       0       0
2227 -1.78816124 -1.68358012  0.526576116 -1.39503918       0       0
2228  1.33276608  1.26653787 -0.317560047 -1.32502522       0       0
2230  0.03237970  0.13855158 -0.036181326 -0.82923532       0       0
2232  0.03237970 -0.03498477  1.305778728  0.80100842       0       0
2233  1.15938123  1.09300152  1.435645830  1.06284924       1       0
2234  1.15938123  1.26653787 -0.750450387 -0.64879284       0       0
2235 -0.83454456 -0.72913018 -0.837028455  1.50513254       0       0
2236  1.50615093  1.44007422  1.457290347 -0.59585545       1       0
2237  0.46584182  0.31208793 -1.096762659  1.39356558       0       0
2238 -1.35469911 -1.33650741  1.305778728 -0.29644616       0       0
2239  0.20576455  0.13855158 -0.837028455 -0.26115457       0       0
2240  0.81261153  0.74592882 -0.685516836  1.51708615       0       0
2241 -0.40108243 -0.29528930  0.158619327 -0.17064872       0       0
2243 -0.40108243 -0.29528930 -0.620583285  0.15323699       0       0
2244  0.72591910  0.65916064  0.115330293 -1.03927719       0       1
2245  0.98599638  0.91946517 -0.447427149 -0.20594031       0       0
2246  0.72591910  0.65916064 -0.880317489  0.53689072       1       0
2247 -0.92123699 -0.81589836  2.517871680 -0.61179359       0       1
2248  1.24607365  1.17976970 -0.295915530  1.39356558       0       0
2249  1.50615093  1.44007422 -1.421430414  0.82548484       0       0
2250 -0.40108243 -0.55559383 -0.772094904  1.50627098       0       1
2251  0.03237970  0.13855158  1.738669068 -0.03346690       0       0
2252 -1.26800669 -1.33650741 -0.425782632 -0.56625606       0       0
2253  1.07268880  1.00623334 -0.707161353  1.50911708       0       1
2254  1.15938123  1.26653787 -1.053473625  1.51367083       1       0
2255  0.03237970  0.13855158 -0.447427149 -1.78893886       1       0
2256 -1.09462184 -0.98943471  0.115330293  0.82206953       0       0
2257  0.89930395  0.91946517 -1.313207829  0.64731924       0       0
2259  1.15938123  1.09300152  0.418353531 -1.05180002       1       0
2262 -1.35469911 -1.51004376  1.652091000  0.64731924       0       0
2263  0.81261153  0.74592882  1.240845177  1.08277191       1       0
2265 -0.92123699 -0.81589836 -1.399785897 -0.03517456       0       0
2266  0.11907212  0.22531976  0.310130946  0.64731924       0       0
2270 -0.31439001 -0.20852112 -0.252626496  0.64731924       0       1
2271 -1.70146882 -1.59681194 -0.490716183 -0.60610140       0       0
2272  1.24607365  1.17976970  0.591509667  1.00194279       0       1
2273 -1.61477639 -1.51004376  0.353419980 -1.02618515       0       1
2274 -1.61477639 -1.68358012  0.201908361 -0.79280529       0       0
2276 -0.48777486 -0.38205747  0.894532905  0.64731924       0       0
2278 -1.35469911 -1.24973924 -0.901962006 -1.04610783       1       0
2280  0.11907212  0.22531976 -0.858672972 -0.82923532       0       0
2281 -1.09462184 -1.16297106 -0.945251040  0.99738903       1       0
2282  0.98599638  1.00623334 -0.923606523  1.06512612       0       1
2283 -0.66115971 -0.55559383  0.353419980  0.53632150       1       0
2284  0.72591910  0.65916064  0.115330293 -0.27936959       0       0
2285  0.11907212  0.22531976 -1.118407176  0.98657387       0       0
2287  1.41945851  1.35330605 -0.685516836  0.54315213       0       0
2288 -1.35469911 -1.24973924 -0.966895557 -0.59585545       0       0
2289 -0.92123699 -0.81589836 -0.036181326  0.87557613       0       1
2290  1.15938123  1.26653787 -0.122759394 -0.02891315       0       0
2292  0.11907212  0.22531976  0.353419980  1.29850598       0       0
2294 -0.31439001 -0.29528930 -1.291563312 -0.79678982       1       0
2296  0.63922667  0.22531976 -0.750450387 -0.60723984       0       1
2297 -1.61477639 -1.51004376  0.180263844  0.64731924       1       0
2298  1.15938123  1.26653787 -0.923606523  0.50956820       0       1
2300  1.41945851  1.44007422 -1.269918795  0.80556217       0       1
2301  1.76622821  1.78714693 -0.079470360  0.30920304       0       1
2303 -0.31439001 -0.29528930  1.760313585 -0.20594031       0       0
2304  0.11907212  0.05178341  0.331775463  0.88354520       1       0
2307 -0.74785214 -0.64236200  0.180263844 -0.45241222       1       0
2309 -0.57446728 -0.64236200 -0.339204564  0.80954671       1       0
2310 -0.83454456 -0.72913018 -0.966895557  0.80556217       0       0
2311 -1.18131426 -1.24973924 -0.901962006 -0.20594031       1       0
2312  1.41945851  1.44007422  0.894532905 -1.66371064       0       0
2313  0.20576455  0.13855158  0.201908361 -1.03756954       1       0
2315 -1.61477639 -1.59681194  0.829599354  0.75888620       0       0
2316  0.55253425  0.48562429  2.344715544  1.50854786       1       0
2317  0.72591910  0.83269699  0.829599354  0.99738903       1       0
2321  0.03237970  0.13855158  0.223552878 -0.27083130       0       0
2323  1.41945851  1.44007422  1.197556143  0.55510573       0       0
2325 -0.40108243 -0.81589836 -0.837028455 -0.03460534       0       0
2326  0.81261153  0.83269699  0.245197395  0.81011592       0       0
2327 -0.05431273 -0.12175295 -0.014536809  0.52266024       0       0
2328  0.46584182  0.39885611 -0.079470360 -1.74909351       0       0
2329 -1.61477639 -1.59681194  1.219200660 -0.56113308       0       1
2330 -1.35469911 -1.42327559 -0.750450387  0.48623021       0       0
2331 -1.26800669 -1.33650741 -0.036181326  1.11863272       0       0
2332  1.33276608  1.44007422 -0.122759394 -1.66371064       0       0
2333 -0.48777486 -0.38205747 -0.837028455  0.48623021       0       0
2335 -0.05431273  0.05178341 -0.101114877 -1.78893886       0       0
2336 -0.74785214 -0.64236200 -0.317560047  0.42077000       0       0
2337 -1.00792941 -1.07620288  0.548220633  0.16632903       1       0
2339 -0.31439001 -0.20852112  1.219200660  0.82150031       1       0
2341 -1.09462184 -0.98943471 -0.642227802  0.53745994       0       0
2342 -0.83454456 -0.90266653  0.375064497 -0.64879284       0       0
2343  1.41945851  1.44007422  0.396709014  0.81979265       0       1
2344  1.07268880  1.17976970 -0.404138115 -1.78495432       0       0
2348  1.59284336  1.61361058 -1.421430414 -0.60553218       0       1
2349  0.46584182  0.39885611  0.245197395  0.48224568       0       0
2350  1.15938123  1.26653787  0.439998048  0.82093109       0       0
2351  0.55253425  0.65916064 -1.118407176 -0.82923532       1       0
2352  0.81261153  0.91946517  0.007107708  0.82150031       1       0
2353  0.03237970 -0.12175295 -0.317560047  0.22040485       0       1
2355 -0.92123699 -0.98943471 -1.421430414  0.49818381       0       0
2356  0.89930395  0.91946517  0.007107708  0.99738903       0       1
2357 -1.26800669 -1.33650741  2.388004578 -0.62830095       0       0
2358 -0.14100516 -0.12175295 -0.858672972  1.04577267       0       0
2359  0.63922667  0.57239246 -0.230981979 -0.03346690       1       0
2360 -0.83454456 -0.72913018  1.067689041  1.07707972       1       0
2362 -0.83454456 -0.72913018  0.764665803  1.00194279       0       1
2363 -0.48777486 -0.46882565 -0.923606523  0.88354520       0       0
2365  1.15938123  1.26653787  0.310130946  0.99909669       1       0
2366 -0.22769758 -0.20852112 -1.118407176 -1.05692299       1       0
2367 -1.35469911 -1.42327559 -0.230981979  1.04748032       0       0
2368 -1.70146882 -1.68358012  0.136974810  1.39356558       0       0
2369  0.20576455  0.13855158  0.093685776  0.80840827       0       1
2370  0.37914940  0.31208793 -0.620583285  0.47655348       0       0
2372 -1.18131426 -1.24973924  0.807954837  1.05089564       1       0
2373 -1.00792941 -0.90266653 -0.620583285  0.44126189       0       1
2374 -1.09462184 -0.98943471  2.388004578  0.64675002       1       0
2376  0.81261153  0.83269699 -0.101114877 -1.22996562       0       0
2377  1.07268880  1.09300152 -1.096762659 -0.79678982       0       1
2378  0.11907212  0.22531976  1.868536170 -0.64366986       1       0
2379 -1.35469911 -1.33650741 -0.274271013  1.38730417       0       0
2380 -0.31439001 -0.20852112  0.786310320  0.88354520       1       0
2381 -0.48777486 -0.38205747 -0.512360700 -0.31978415       1       0
2384  1.50615093  1.61361058 -0.469071666 -1.78438510       1       0
2385  1.41945851  1.44007422 -0.447427149 -0.64879284       1       0
2386 -0.22769758 -0.29528930  1.110978075  0.88354520       0       0
2387 -1.26800669 -1.33650741 -0.036181326  0.78222418       0       1
2388 -1.52808397 -1.59681194 -0.490716183  0.88354520       0       0
2389  1.59284336  1.61361058 -1.096762659 -0.79678982       0       1
2390 -1.61477639 -1.68358012 -0.707161353 -1.78438510       0       0
2391 -1.09462184 -0.98943471 -0.707161353  1.50627098       0       1
2392 -0.57446728 -0.72913018  1.392356796 -0.26798520       0       0
2393 -0.14100516 -0.03498477  1.392356796  0.55510573       1       0
2395 -0.31439001 -0.20852112  1.543868415  0.51070664       1       0
2396 -0.14100516 -0.29528930 -1.053473625  1.07935660       0       1
2397 -1.00792941 -0.90266653 -0.663872319  1.05089564       0       0
2398  0.11907212  0.13855158  0.418353531 -1.65175703       0       0
2399  0.63922667  0.74592882  0.353419980  1.07309519       1       0
2402 -0.31439001 -0.29528930 -0.230981979  1.50627098       1       0
2403  0.20576455  0.05178341 -1.096762659  0.88354520       0       1
2404 -0.66115971 -0.64236200  1.435645830 -1.68363331       0       0
2405 -0.40108243 -0.46882565  0.028752225  1.04861876       0       0
2406  0.98599638  1.00623334 -1.313207829  0.80840827       0       0
2407 -1.26800669 -1.16297106 -1.378141380 -0.46322738       0       0
2408 -0.57446728 -0.46882565  0.569865150  0.88354520       0       0
2409  0.20576455  0.13855158  0.245197395  0.53347540       0       1
2410  0.81261153  0.91946517 -0.014536809  1.16075494       0       1
2412  0.11907212  0.13855158 -0.187692945 -1.04610783       0       1
2414  1.24607365  1.17976970 -0.923606523 -1.22996562       1       0
2415 -1.00792941 -0.90266653  1.305778728 -0.79280529       0       0
2417  1.24607365  1.26653787 -0.901962006  0.25228113       0       0
2418 -1.78816124 -1.77034829 -0.447427149 -1.74909351       1       0
2420  1.50615093  1.44007422 -0.642227802  0.78677794       1       0
2421  1.50615093  1.61361058 -0.728805870 -1.06090752       0       0
2422 -0.22769758 -0.12175295 -0.728805870  1.01389639       0       1
2423  1.07268880  1.00623334  1.933469721  1.05089564       1       0
2424  0.37914940  0.39885611  0.180263844 -1.04326173       0       0
2425 -0.66115971 -0.72913018  0.331775463  0.80556217       0       0
2426  0.72591910  0.83269699  0.093685776 -0.37613685       0       0
2428 -1.44139154 -1.33650741 -0.858672972 -0.28050803       0       0
2429 -0.57446728 -0.72913018  0.743021286 -0.25660082       0       0
2431 -1.96154609 -1.85711647 -0.014536809 -0.59642467       0       0
2432  0.89930395  0.91946517 -0.425782632 -1.01764687       0       0
2433  0.72591910  0.83269699 -0.620583285 -0.56113308       0       0
2434 -0.74785214 -0.81589836  1.067689041  0.88354520       0       0
2436 -1.00792941 -0.98943471  0.613154184 -0.59927077       0       0
2438  1.67953578  1.70037875  0.872888388  0.81979265       0       0
2440  0.46584182  0.39885611 -0.945251040 -1.16792073       0       1
2442  1.59284336  1.52684240 -0.772094904  0.64731924       1       0
2443 -0.57446728 -0.46882565 -0.707161353 -1.78723120       1       0
2444 -1.52808397 -1.51004376  1.890180687 -0.29701538       0       0
2445  1.24607365  1.26653787 -0.772094904  0.87273003       0       1
2446  0.11907212  0.22531976 -1.053473625 -0.03517456       0       0
2449  0.46584182  0.48562429 -0.685516836 -0.60610140       1       0
2451 -1.18131426 -1.16297106 -0.988540074 -1.78381588       0       0
2452  0.46584182  0.39885611  0.981110973  0.43955424       0       0
2453 -1.78816124 -1.68358012 -0.988540074  0.81296202       0       0
2454 -0.22769758 -0.12175295 -0.295915530  0.53290618       0       1
2455  0.72591910  0.74592882 -1.096762659  0.44809253       0       0
2456 -1.00792941 -1.07620288  1.955114238  0.88354520       0       0
2458 -0.31439001 -0.29528930 -1.183340727 -0.59927077       1       0
2460  1.41945851  1.44007422 -0.707161353  1.07707972       0       1
2461 -1.26800669 -1.33650741 -0.901962006 -0.59471701       1       0
2462 -1.35469911 -1.33650741 -0.101114877  0.64561158       0       0
2463  0.55253425  0.65916064 -1.096762659  1.51424005       0       1
2464 -0.92123699 -0.98943471 -0.642227802 -0.65960800       0       0
2465  1.24607365  1.35330605 -0.901962006 -0.43305877       0       1
2466  1.07268880  1.17976970 -1.053473625 -1.76958540       1       0
2468 -0.48777486 -0.38205747  0.201908361 -0.46550426       0       0
2472 -0.83454456 -0.81589836 -0.642227802 -1.21118139       1       0
2476  0.55253425  0.48562429  0.115330293  1.50797864       0       1
2477  0.72591910  0.65916064 -0.945251040  1.39356558       0       0
2481 -0.57446728 -0.64236200 -0.512360700 -0.79678982       1       0
2482  0.81261153  0.83269699 -0.209337462  0.64788846       1       0
2483 -1.52808397 -1.42327559  1.197556143 -0.59927077       0       0
2484 -0.14100516 -0.20852112 -0.122759394  0.44126189       0       0
2487  1.33276608  1.35330605  1.219200660 -0.25660082       0       0
2489 -0.66115971 -0.55559383  0.678087735  0.87671457       1       0
2490 -1.44139154 -1.51004376 -0.707161353 -0.30839977       0       0
2493 -1.52808397 -1.51004376  1.305778728  1.66394470       1       0
2494 -1.00792941 -0.98943471 -0.534005217  0.48793787       0       0
2495 -0.92123699 -0.98943471 -0.230981979 -0.26798520       1       0
2496  0.03237970  0.13855158 -0.079470360  0.87273003       0       0
     Family4       CCAvg Education2 Education3   Mortgage
2          0 -0.25119120          0          0 -0.5664192
3          0 -0.53150921          0          0 -0.5664192
4          0  0.42157204          1          0 -0.5664192
5          1 -0.53150921          1          0 -0.5664192
7          0 -0.25119120          1          0 -0.5664192
8          0 -0.92395443          0          1 -0.5664192
9          0 -0.75576362          1          0  0.4584221
10         0  3.89751543          0          1 -0.5664192
11         1  0.25338123          0          1 -0.5664192
12         0 -1.03608164          1          0 -0.5664192
13         0  1.03827167          0          1 -0.5664192
14         1  0.30944483          1          0 -0.5664192
15         0  0.02912682          0          0 -0.5664192
17         1  1.54284410          0          1  0.7540494
18         1  0.25338123          0          0 -0.5664192
19         0  3.44900660          0          1 -0.5664192
22         0  0.02912682          0          1 -0.5664192
23         0 -0.41938201          0          0  1.9956840
24         0 -0.69970002          0          0  1.0398224
25         0  1.09433528          0          0  1.0004055
26         0 -0.81182723          0          0  0.3894424
27         1 -0.98001804          0          1 -0.5664192
28         0  0.25338123          0          0 -0.5664192
30         0  0.75795366          1          0 -0.5664192
31         0 -0.41938201          0          1  0.6357985
32         0  0.02912682          1          0 -0.5664192
33         0 -0.75576362          0          1  1.3354497
34         0 -0.58757281          0          1 -0.5664192
36         0 -0.69970002          0          0 -0.5664192
37         0  0.53369925          0          0 -0.5664192
38         0 -0.30725480          0          1  1.3847210
39         0  1.71103491          0          1 -0.5664192
42         0  0.19731763          0          0 -0.5664192
43         1 -0.47544561          1          0  3.4935290
44         0 -0.69970002          0          0 -0.5664192
45         0  2.10348013          0          0 -0.5664192
46         1  0.30944483          0          0 -0.5664192
48         1 -0.98001804          0          1  1.5128261
49         0  1.43071689          0          1 -0.5664192
50         0 -0.08300039          0          0 -0.5664192
51         1 -0.69970002          1          0 -0.5664192
53         0 -1.03608164          0          0  1.4734092
54         0  0.08519042          0          1  1.7985992
55         0 -0.98001804          0          1 -0.5664192
56         0  3.39294300          0          0 -0.5664192
58         0 -0.41938201          0          1 -0.5664192
59         0 -0.98001804          0          0 -0.5664192
60         0  1.43071689          0          0  3.9172615
61         0 -0.13906399          1          0 -0.5664192
63         0 -0.53150921          0          0 -0.5664192
65         0  0.75795366          0          0 -0.5664192
66         0  1.03827167          0          0 -0.5664192
67         0  0.47763564          0          0  2.7446065
69         0  0.08519042          0          0 -0.5664192
71         0  0.87008086          0          0 -0.5664192
73         0  1.71103491          0          0 -0.5664192
74         0  1.15039888          0          1 -0.5664192
75         0  0.75795366          0          0 -0.5664192
77         0 -0.92395443          0          1 -0.5664192
78         0 -0.81182723          1          0 -0.5664192
80         0 -0.86789083          0          0  0.5963815
81         1 -0.36331840          0          0  1.1482191
83         0  1.15039888          0          1 -0.5664192
84         0  0.25338123          1          0 -0.5664192
85         0 -0.58757281          0          1 -0.5664192
87         1  0.14125402          1          0  0.6752154
89         0 -0.47544561          0          0 -0.5664192
90         1  0.19731763          0          1 -0.5664192
91         1  2.04741653          1          0 -0.5664192
93         0 -0.75576362          1          0 -0.5664192
95         0  0.02912682          0          0 -0.5664192
97         0  1.82316212          0          0 -0.5664192
98         0  0.53369925          0          0 -0.5664192
100        0 -1.03608164          0          1 -0.5664192
101        0 -0.41938201          0          0 -0.5664192
103        0 -0.53150921          0          1  1.3847210
106        0 -1.03608164          1          0 -0.5664192
107        1  0.53369925          0          0 -0.5664192
108        0 -0.69970002          0          0  0.7737579
109        0 -0.75576362          0          1  1.0693852
110        0  0.47763564          0          0 -0.5664192
111        0 -0.53150921          1          0 -0.5664192
112        1 -0.36331840          1          0 -0.5664192
113        0 -0.53150921          0          0  2.4785420
114        0  0.47763564          0          0  0.4485679
115        0 -0.81182723          0          1 -0.5664192
117        0 -0.25119120          1          0 -0.5664192
118        0  0.19731763          0          1  1.3354497
122        0 -0.58757281          0          1 -0.5664192
125        1  0.25338123          0          0  0.5963815
126        0 -0.81182723          0          0 -0.5664192
127        0 -0.36331840          0          0  0.4288594
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1725       0 -0.71651910          1          0 -0.5664192
1726       0 -0.36331840          0          0 -0.5664192
1727       0  0.19731763          0          1  0.9117173
1729       0 -0.92395443          0          1 -0.5664192
1730       1 -0.86789083          0          1 -0.5664192
1732       0  0.25338123          0          0 -0.5664192
1735       1  0.08519042          0          1  1.2270531
1737       0  0.42157204          0          0  3.3161526
1739       0 -0.58757281          0          1  0.2416287
1740       0  0.30944483          0          0 -0.5664192
1741       0  0.25338123          0          0 -0.5664192
1742       0  1.54284410          0          0 -0.5664192
1743       0 -0.69970002          0          1  0.7836121
1744       1 -0.08300039          0          0  0.5076933
1745       1 -0.64363642          0          0  0.7639036
1746       0 -0.47544561          1          0 -0.5664192
1747       0 -0.92395443          0          1 -0.5664192
1748       1 -0.86789083          1          0  0.3106084
1749       0 -0.69970002          1          0  0.9215715
1750       0  0.08519042          0          1  1.6113686
1753       0  3.05656138          0          1 -0.5664192
1755       1  1.65497131          0          0 -0.5664192
1756       1 -0.13906399          1          0 -0.5664192
1757       0 -1.09214524          0          1 -0.5664192
1758       0 -0.41938201          0          0 -0.5664192
1759       0 -0.69970002          0          0 -0.5664192
1760       1 -0.64363642          0          0 -0.5664192
1761       1 -1.09214524          1          0 -0.5664192
1762       0  0.02912682          1          0  0.6259442
1763       1 -0.15588307          0          1  0.3106084
1765       0 -0.75576362          1          0 -0.5664192
1767       0 -0.98001804          0          1 -0.5664192
1768       0  0.21413671          1          0 -0.5664192
1769       1  1.87922572          0          0  0.2613372
1770       1  0.14125402          0          0 -0.5664192
1771       0 -1.03608164          0          0  0.3598797
1772       0 -0.69970002          0          1 -0.5664192
1773       0 -0.92395443          1          0  0.6062357
1774       1 -0.64363642          0          0 -0.5664192
1775       0 -0.81182723          0          1 -0.5664192
1778       0 -0.69970002          1          0  0.5569645
1780       0  0.47763564          0          0 -0.5664192
1781       0  0.53369925          0          0  2.0646637
1782       0 -0.69970002          1          0 -0.5664192
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1785       0  0.02912682          0          0 -0.5664192
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1801       0 -0.25119120          0          0  1.2171988
1803       0 -0.36331840          0          0 -0.5664192
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1820       0 -0.19512759          0          0  1.7099110
1821       0 -1.03608164          0          0  0.8920088
1822       1 -0.36331840          0          0 -0.5664192
1823       0  1.76709851          1          0  0.2810457
1824       0 -1.09214524          0          0 -0.5664192
1825       1  3.56113381          1          0 -0.5664192
1826       0  2.15954373          0          1 -0.5664192
1827       0 -0.98001804          0          0  1.1186564
1828       0  0.42157204          0          0  2.9022744
1829       0 -0.92395443          1          0 -0.5664192
1831       0  3.28081579          0          0  1.6113686
1833       1  1.03827167          1          0 -0.5664192
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1835       0 -0.92395443          1          0  0.5963815
1836       0 -0.30725480          0          0  2.2321859
1837       1 -0.02693678          0          1 -0.5664192
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1840       1 -0.36331840          0          1 -0.5664192
1842       0 -1.03608164          1          0  1.3945752
1844       0  2.27167094          0          0 -0.5664192
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1868       0 -0.86789083          0          0 -0.5664192
1869       0  1.93528932          0          0 -0.5664192
1871       0  1.20646248          0          1 -0.5664192
1872       1 -0.08300039          1          0  2.0745180
1873       0 -0.47544561          0          0 -0.5664192
1876       0  0.30944483          0          0  3.2668814
1877       0  0.53369925          0          0 -0.5664192
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1890       1 -0.92395443          0          0  3.0993593
1891       0  3.44900660          0          0 -0.5664192
1892       1  0.14125402          1          0 -0.5664192
1893       0 -0.13906399          0          0 -0.5664192
1894       0 -0.86789083          0          1  0.4288594
1897       0  0.36550844          1          0 -0.5664192
1898       0 -1.03608164          0          1 -0.5664192
1899       1 -1.03608164          0          0 -0.5664192
1900       0 -0.98001804          0          0 -0.5664192
1901       1 -0.86789083          1          0 -0.5664192
1902       0  2.64729708          0          0 -0.5664192
1905       0 -1.09214524          0          0 -0.5664192
1907       0 -0.86789083          0          0  2.1434977
1909       1 -0.81182723          1          0  0.5372560
1910       0 -0.13906399          1          0 -0.5664192
1912       0 -0.81182723          1          0 -0.5664192
1914       1 -0.58757281          0          0  1.3847210
1917       0 -0.19512759          0          1 -0.5664192
1918       1 -0.15588307          0          1  0.8328833
1919       0  2.27167094          0          1  1.8577246
1920       0 -0.30725480          1          0  0.6160900
1921       0 -0.86789083          0          1 -0.5664192
1922       0 -0.64363642          0          1  1.8478704
1923       0 -0.30725480          0          1 -0.5664192
1925       0 -0.08300039          0          1 -0.5664192
1926       0 -0.92395443          0          0  1.5818058
1927       0  0.25338123          1          0 -0.5664192
1931       0 -0.53150921          1          0 -0.5664192
1932       0  0.02912682          0          0 -0.5664192
1933       0  0.25338123          0          0  1.2566158
1934       1 -0.41938201          1          0 -0.5664192
1935       0 -0.64363642          0          1 -0.5664192
1936       0  1.59890770          0          1 -0.5664192
1937       0  0.58976285          1          0 -0.5664192
1938       0  0.75795366          0          1  5.2377301
1941       0 -0.08300039          0          1 -0.5664192
1942       0  0.70189006          0          0 -0.5664192
1943       0 -0.81182723          1          0 -0.5664192
1944       1  0.36550844          0          0 -0.5664192
1945       0 -0.02693678          1          0  0.2514830
1946       0 -0.25119120          0          0  0.9215715
1947       1  0.02912682          0          1 -0.5664192
1948       0 -0.08300039          0          1  1.7099110
1949       1  0.25338123          0          0  0.2810457
1950       0 -0.41938201          0          1 -0.5664192
1951       0 -0.25119120          1          0 -0.5664192
1952       1  0.02912682          0          1 -0.5664192
1953       0  0.36550844          1          0 -0.5664192
1954       1 -0.98001804          0          0  0.2514830
1955       1  0.02912682          0          1  2.1632062
1956       0 -0.81182723          1          0 -0.5664192
1957       1 -0.64363642          0          0  1.2467616
1958       0  0.75795366          0          0 -0.5664192
1959       0 -0.25119120          0          0 -0.5664192
1960       0 -0.53150921          0          0 -0.5664192
1961       1 -1.09214524          1          0 -0.5664192
1962       0  1.65497131          0          0 -0.5664192
1964       0 -0.47544561          0          0 -0.5664192
1966       0 -0.81182723          0          1 -0.5664192
1969       0 -0.30725480          0          1 -0.5664192
1972       1 -0.47544561          1          0  1.4339922
1973       1  0.08519042          0          1 -0.5664192
1974       0 -1.09214524          0          0  0.2022118
1976       0 -0.98001804          0          0 -0.5664192
1977       0 -0.08300039          0          0 -0.5664192
1979       0 -0.30725480          0          1 -0.5664192
1983       0 -1.03608164          1          0  0.5175476
1985       1 -0.13906399          1          0  1.1580734
1987       0 -0.86789083          0          0 -0.5664192
1988       0  0.02912682          1          0 -0.5664192
1989       0 -0.92395443          0          0  0.6160900
1992       0 -0.81182723          0          0 -0.5664192
1993       0 -0.64363642          0          0 -0.5664192
1994       0  0.64582645          0          0 -0.5664192
1995       0  2.27167094          0          0 -0.5664192
1996       0  0.25338123          1          0 -0.5664192
1997       0 -0.30725480          0          1 -0.5664192
1999       0  1.15039888          0          1 -0.5664192
2000       0  0.25338123          1          0 -0.5664192
2001       0 -1.03608164          1          0 -0.5664192
2004       0  1.54284410          0          0 -0.5664192
2005       0 -0.02693678          0          1  0.8427376
2007       1 -1.03608164          1          0 -0.5664192
2009       0 -0.47544561          0          1  0.6653612
2010       0 -0.02693678          0          0  2.6165014
2014       0 -0.64363642          0          1  0.5471103
2015       0  2.08666105          0          1  1.0792394
2016       0 -0.64363642          0          0 -0.5664192
2017       1 -0.64363642          0          0  1.5818058
2019       0  0.08519042          0          0 -0.5664192
2021       0 -0.98001804          0          0 -0.5664192
2026       0  0.02912682          1          0  1.2566158
2029       0 -1.09214524          0          1 -0.5664192
2032       0 -0.81182723          0          0 -0.5664192
2033       0 -0.98001804          0          0 -0.5664192
2035       1 -0.02693678          1          0  2.6756268
2036       1 -0.53150921          0          0 -0.5664192
2037       0 -0.71651910          1          0 -0.5664192
2039       0  3.00049778          0          0 -0.5664192
2042       0  3.67326102          1          0  4.7056009
2043       0 -0.92395443          0          0 -0.5664192
2044       0 -0.98001804          0          1 -0.5664192
2045       0 -0.92395443          0          0 -0.5664192
2048       0  1.15039888          1          0 -0.5664192
2050       1 -0.47544561          1          0 -0.5664192
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2054       0  0.02912682          0          0  1.0201140
2056       0 -0.30725480          0          1 -0.5664192
2058       0  1.09433528          0          0 -0.5664192
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2060       0  2.66411616          0          0  1.6212228
2061       1 -1.03608164          0          1 -0.5664192
2062       1  1.65497131          1          0  0.5274018
2063       0  0.30944483          0          0  1.5916601
2064       0 -0.86789083          0          1 -0.5664192
2065       1 -0.08300039          0          1 -0.5664192
2066       0 -0.25119120          0          0 -0.5664192
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2071       0 -0.81182723          0          0 -0.5664192
2072       0 -1.09214524          0          0 -0.5664192
2075       0 -0.36331840          0          1  2.3208741
2077       0  3.00049778          0          0  3.3555696
2078       1  3.39294300          0          1 -0.5664192
2079       0 -0.53150921          1          0 -0.5664192
2080       0 -0.53150921          0          1 -0.5664192
2081       1 -1.03608164          1          0 -0.5664192
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2083       1  0.02912682          1          0 -0.5664192
2084       0 -0.98001804          0          1 -0.5664192
2087       0 -0.64363642          1          0 -0.5664192
2088       0  2.77624337          1          0  2.8135862
2091       0  0.53369925          0          0  2.4588335
2092       0  0.02912682          1          0 -0.5664192
2093       1 -0.86789083          0          1  0.2613372
2094       1  0.92614447          0          1 -0.5664192
2095       0  0.30944483          0          0  1.4832634
2096       1  0.70189006          0          1 -0.5664192
2098       0 -1.03608164          1          0  0.5471103
2099       0  1.03827167          0          0  2.1139350
2103       0 -0.19512759          0          1 -0.5664192
2104       0  2.55198895          0          0 -0.5664192
2105       1 -0.98001804          0          1 -0.5664192
2108       1 -0.98001804          0          1  1.6902025
2110       0  2.55198895          0          1 -0.5664192
2112       0 -0.19512759          0          0 -0.5664192
2113       0 -0.02693678          0          0  0.6160900
2114       0 -0.53150921          0          0 -0.5664192
2116       0 -0.30725480          0          0 -0.5664192
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2119       0 -0.36331840          0          0 -0.5664192
2120       0 -0.81182723          0          1 -0.5664192
2121       0 -0.92395443          0          1 -0.5664192
2122       1  0.14125402          1          0  1.2073446
2123       0 -0.64363642          0          0  0.6062357
2124       0 -1.03608164          1          0 -0.5664192
2125       0 -0.58757281          0          0  0.3106084
2127       1 -0.86789083          0          0  0.8230291
2129       0 -0.47544561          0          1 -0.5664192
2130       1 -0.69970002          0          1  1.7197652
2131       0  0.40475296          0          0 -0.5664192
2132       0 -0.98001804          0          0 -0.5664192
2133       0 -0.53150921          0          0 -0.5664192
2134       0  0.02912682          1          0  1.1679276
2136       0 -0.67166822          0          1 -0.5664192
2141       0 -0.64363642          0          1 -0.5664192
2143       1 -0.25119120          0          0 -0.5664192
2145       0  2.08666105          1          0 -0.5664192
2146       0 -0.13906399          0          0 -0.5664192
2147       0 -0.53150921          0          1  0.2219203
2149       0  0.70189006          0          1 -0.5664192
2151       0 -0.64363642          0          0 -0.5664192
2152       0 -0.92395443          1          0  0.4682763
2154       0  1.82316212          0          0 -0.5664192
2156       0  0.53369925          0          0 -0.5664192
2157       0  0.42157204          0          0 -0.5664192
2159       1  0.64582645          0          0 -0.5664192
2160       0  1.59890770          0          1  1.9464128
2162       1 -0.58757281          1          0  0.3697339
2163       0 -0.58757281          1          0  0.9609885
2165       0  0.30944483          0          0  1.2467616
2166       1 -0.53150921          0          1  0.9511343
2167       0 -0.58757281          0          1 -0.5664192
2169       1  0.36550844          0          1 -0.5664192
2170       0 -0.69970002          1          0 -0.5664192
2171       0 -0.81182723          0          1 -0.5664192
2172       0 -0.25119120          0          1 -0.5664192
2173       0 -0.08300039          1          0  1.5916601
2175       0  0.64582645          0          0 -0.5664192
2176       0  0.75795366          0          0 -0.5664192
2177       0  0.21413671          1          0 -0.5664192
2180       0 -0.25119120          1          0 -0.5664192
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2182       0 -0.67166822          0          1  0.4682763
2183       0 -0.30725480          0          1 -0.5664192
2184       0  0.02912682          0          1 -0.5664192
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2187       0 -0.98001804          0          0 -0.5664192
2188       0 -0.53150921          0          1 -0.5664192
2189       1 -0.81182723          0          1  0.2810457
2190       0 -0.75576362          0          0 -0.5664192
2191       0 -0.98001804          0          0  2.3307283
2192       0  3.39294300          0          0 -0.5664192
2193       1 -0.53150921          0          0  0.3697339
2194       0 -1.03608164          0          1  0.4387136
2197       1  1.57087590          1          0 -0.5664192
2199       0 -1.09214524          1          0 -0.5664192
2202       0 -0.86789083          0          0 -0.5664192
2203       1 -0.02693678          0          1 -0.5664192
2205       0 -0.86789083          0          0  0.1825033
2206       0  0.47763564          0          0 -0.5664192
2207       1  0.14125402          1          0  1.4734092
2208       0  0.47763564          0          1  0.9905512
2209       0 -1.09214524          0          1  1.2566158
2210       0 -0.58757281          0          0 -0.5664192
2211       0 -0.02693678          1          0 -0.5664192
2212       0 -0.30725480          1          0  0.3598797
2214       0 -0.64363642          0          0 -0.5664192
2215       0 -0.64363642          0          1  0.8723003
2216       0  1.15039888          1          0 -0.5664192
2217       0  1.03827167          0          0 -0.5664192
2218       1  0.75795366          1          0  3.8285733
2219       0 -0.92395443          1          0 -0.5664192
2220       1  0.02912682          0          1  1.6310770
2223       0 -0.92395443          0          0 -0.5664192
2224       0  0.02912682          1          0 -0.5664192
2225       0 -0.30725480          0          1 -0.5664192
2226       1 -0.86789083          0          1  0.5668188
2227       0  1.93528932          0          0 -0.5664192
2228       1 -0.13906399          1          0 -0.5664192
2230       1 -0.30725480          1          0  0.9018630
2232       0  2.10348013          0          0  0.8723003
2233       0 -0.81182723          0          0  2.0153925
2234       0 -0.08300039          0          1 -0.5664192
2235       1 -0.86789083          1          0 -0.5664192
2236       0  2.77624337          0          0 -0.5664192
2237       0 -0.81182723          1          0 -0.5664192
2238       0 -1.09214524          0          0 -0.5664192
2239       0 -0.30725480          0          1 -0.5664192
2240       1  0.30944483          0          0 -0.5664192
2241       1 -0.98001804          0          1  1.0792394
2243       0 -0.08300039          0          0  1.1285106
2244       0 -0.13906399          1          0  0.9117173
2245       0 -0.64363642          1          0  0.6160900
2246       0 -0.69970002          1          0 -0.5664192
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1544                   0           0       1           0
1545                   0           0       1           1
1546                   1           0       0           0
1549                   1           0       0           0
1550                   0           0       1           0
1553                   0           0       0           0
1554                   0           0       0           0
1555                   1           0       1           0
1556                   0           0       1           0
1557                   0           0       0           0
1558                   0           0       0           0
1559                   0           0       0           0
1560                   0           0       1           0
1561                   0           0       0           0
1562                   0           0       1           0
1563                   0           0       1           0
1564                   1           0       0           1
1566                   0           0       1           0
1567                   0           0       1           0
1568                   0           0       1           0
1569                   0           0       0           0
1570                   0           0       0           0
1571                   0           0       0           1
1576                   0           0       1           0
1577                   0           0       1           0
1578                   0           0       1           0
1579                   1           0       1           0
1581                   0           0       0           0
1582                   0           0       0           1
1583                   0           1       1           1
1588                   1           0       1           0
1589                   0           0       1           0
1590                   0           0       1           0
1591                   0           0       0           0
1593                   0           1       1           0
1594                   0           0       1           0
1595                   1           0       1           0
1596                   1           0       1           0
1597                   1           0       0           0
1598                   1           0       0           1
1599                   1           0       0           0
1600                   0           0       1           0
1601                   0           0       1           0
1602                   0           0       0           0
1605                   0           0       0           1
1606                   0           0       1           0
1607                   0           0       1           0
1609                   0           0       1           0
1611                   0           0       0           1
1612                   0           0       0           0
1613                   0           0       0           0
1614                   1           0       1           0
1615                   1           1       1           1
1617                   1           1       1           0
1619                   0           0       1           1
1621                   0           0       1           0
1623                   0           0       1           0
1624                   0           0       0           0
1626                   0           0       1           0
1631                   0           0       1           1
1632                   1           1       0           1
1634                   0           0       0           0
1635                   0           1       1           1
1637                   0           0       0           1
1638                   0           0       1           0
1639                   0           0       1           1
1640                   1           0       1           0
1641                   0           0       1           0
1642                   0           0       0           0
1643                   0           0       1           1
1646                   1           0       1           0
1647                   0           0       1           0
1648                   0           0       0           0
1649                   0           0       0           1
1650                   0           0       1           0
1651                   0           0       1           0
1652                   0           0       1           0
1653                   0           0       1           0
1654                   0           0       0           1
1656                   0           0       0           0
1657                   0           0       1           0
1658                   0           0       1           0
1659                   0           0       1           0
1660                   0           1       1           1
1662                   0           0       0           1
1663                   0           0       0           0
1664                   1           0       1           0
1665                   0           0       1           0
1667                   0           0       1           0
1669                   1           0       0           1
1670                   0           0       1           1
1672                   0           0       1           0
1673                   0           1       1           1
1674                   0           0       0           1
1675                   0           0       1           0
1676                   1           0       1           0
1679                   0           0       0           0
1680                   1           1       1           0
1681                   0           0       0           0
1682                   0           0       0           0
1683                   0           0       1           0
1684                   0           0       0           0
1685                   0           0       0           0
1686                   0           0       1           0
1690                   0           0       1           1
1691                   0           0       0           0
1693                   0           0       1           0
1694                   0           0       0           0
1695                   0           0       0           0
1697                   0           0       0           0
1699                   0           0       1           0
1700                   0           0       0           1
1702                   0           0       0           0
1703                   0           0       0           1
1704                   0           0       1           0
1705                   0           0       0           1
1707                   0           0       1           0
1708                   0           0       0           1
1710                   0           0       1           1
1712                   0           0       1           0
1713                   0           0       0           0
1715                   0           0       0           1
1716                   0           0       1           0
1717                   0           0       1           0
1718                   0           0       0           0
1720                   0           0       1           1
1721                   0           0       1           0
1722                   0           0       1           0
1723                   1           1       1           0
1724                   0           0       1           0
1725                   0           0       1           0
1726                   0           0       1           0
1727                   0           0       1           1
1729                   0           0       1           0
1730                   0           0       1           0
1732                   0           0       1           0
1735                   0           0       1           0
1737                   0           0       0           1
1739                   0           0       1           1
1740                   1           1       1           1
1741                   1           1       1           0
1742                   0           0       0           0
1743                   0           0       1           0
1744                   0           0       1           0
1745                   0           0       1           0
1746                   1           0       0           1
1747                   0           0       1           1
1748                   0           0       0           1
1749                   0           0       1           0
1750                   0           0       0           0
1753                   0           0       0           0
1755                   0           0       1           0
1756                   0           0       1           1
1757                   0           0       0           0
1758                   0           0       1           1
1759                   0           0       0           0
1760                   0           0       0           0
1761                   0           0       1           0
1762                   0           0       0           1
1763                   0           0       1           1
1765                   0           0       1           0
1767                   1           0       0           0
1768                   0           0       1           0
1769                   0           0       0           0
1770                   0           0       0           0
1771                   0           0       0           0
1772                   0           0       1           0
1773                   0           0       0           0
1774                   0           0       0           0
1775                   0           0       0           1
1778                   0           0       1           1
1780                   0           0       1           0
1781                   0           0       1           0
1782                   0           0       0           1
1784                   0           0       1           0
1785                   1           1       0           0
1786                   0           0       1           0
1788                   1           1       1           1
1789                   0           0       1           0
1790                   0           1       1           1
1791                   1           0       0           1
1792                   0           1       1           1
1794                   0           0       1           0
1798                   0           0       1           1
1799                   0           0       1           0
1801                   1           1       1           1
1803                   0           0       0           0
1804                   0           0       1           0
1805                   1           0       1           0
1806                   0           0       1           0
1807                   0           0       0           0
1808                   0           0       0           0
1809                   0           0       1           0
1810                   1           0       1           0
1812                   0           0       0           0
1814                   0           0       1           1
1815                   0           0       1           0
1817                   1           0       1           0
1818                   0           0       0           1
1819                   0           0       1           0
1820                   0           0       1           0
1821                   0           0       1           0
1822                   1           0       1           0
1823                   1           1       1           0
1824                   0           0       1           1
1825                   0           0       0           1
1826                   1           0       0           0
1827                   0           0       0           0
1828                   0           0       0           1
1829                   0           0       0           0
1831                   0           0       0           0
1833                   1           0       1           0
1834                   0           0       0           0
1835                   0           0       0           0
1836                   0           0       1           1
1837                   0           0       0           0
1839                   0           0       1           0
1840                   0           0       1           1
1842                   0           0       1           1
1844                   0           0       0           0
1845                   0           0       0           1
1846                   0           0       1           0
1847                   0           0       1           0
1852                   0           0       0           1
1854                   0           0       1           0
1855                   0           0       1           0
1856                   0           0       1           1
1857                   0           0       1           0
1858                   0           0       0           1
1860                   0           0       0           0
1861                   0           0       1           0
1862                   1           1       1           1
1863                   0           0       1           0
1864                   0           0       1           0
1865                   0           0       0           0
1866                   1           0       0           0
1867                   0           0       1           0
1868                   0           0       0           0
1869                   0           0       1           1
1871                   0           0       0           0
1872                   0           0       0           0
1873                   0           0       0           0
1876                   1           0       1           0
1877                   0           0       0           0
1878                   0           0       1           0
1880                   0           0       0           0
1882                   0           0       0           0
1889                   0           0       1           0
1890                   1           1       1           0
1891                   0           0       0           0
1892                   0           0       0           0
1893                   0           0       0           1
1894                   1           0       0           0
1897                   1           0       0           1
1898                   0           0       0           0
1899                   0           0       1           0
1900                   0           0       1           0
1901                   0           0       1           0
1902                   1           0       1           0
1905                   0           0       1           0
1907                   0           0       1           0
1909                   0           0       1           0
1910                   0           0       0           1
1912                   0           0       0           0
1914                   0           0       1           0
1917                   0           0       1           0
1918                   0           0       0           0
1919                   0           1       1           1
1920                   0           0       0           1
1921                   0           0       0           0
1922                   0           0       1           1
1923                   0           0       0           0
1925                   0           0       0           0
1926                   0           0       1           0
1927                   0           0       1           0
1931                   0           0       1           0
1932                   0           0       1           0
1933                   0           0       0           0
1934                   0           0       1           0
1935                   0           0       1           1
1936                   0           1       1           1
1937                   0           0       1           0
1938                   1           1       1           0
1941                   0           0       1           0
1942                   0           0       1           0
1943                   0           0       1           0
1944                   0           0       0           0
1945                   0           1       1           1
1946                   1           0       1           0
1947                   0           0       1           1
1948                   0           0       1           0
1949                   0           0       0           0
1950                   0           0       0           0
1951                   0           0       0           0
1952                   0           0       1           1
1953                   0           0       1           0
1954                   0           0       1           0
1955                   0           0       1           0
1956                   0           0       1           0
1957                   0           0       0           0
1958                   0           0       1           0
1959                   0           0       1           1
1960                   0           0       0           0
1961                   0           0       1           0
1962                   0           0       0           0
1964                   0           0       0           1
1966                   0           0       1           0
1969                   0           0       1           0
1972                   0           0       0           1
1973                   0           0       1           0
1974                   0           0       0           0
1976                   0           0       1           1
1977                   0           0       1           0
1979                   1           0       1           0
1983                   0           0       1           0
1985                   0           0       1           0
1987                   0           0       0           0
1988                   1           1       1           1
1989                   0           0       1           0
1992                   0           0       0           0
1993                   0           0       0           1
1994                   0           0       0           0
1995                   0           0       0           0
1996                   0           0       0           0
1997                   0           0       0           0
1999                   0           0       0           0
2000                   0           0       1           0
2001                   0           0       1           0
2004                   0           0       1           1
2005                   0           0       0           0
2007                   0           1       1           1
2009                   0           0       1           0
2010                   0           0       0           0
2014                   0           0       1           0
2015                   0           1       0           1
2016                   0           0       1           0
2017                   0           0       0           0
2019                   0           0       1           1
2021                   1           0       0           0
2026                   1           0       0           0
2029                   0           0       0           0
2032                   0           0       1           0
2033                   1           0       0           1
2035                   0           0       0           0
2036                   0           0       1           1
2037                   0           0       1           0
2039                   0           0       1           1
2042                   0           0       0           0
2043                   0           0       1           0
2044                   0           0       1           1
2045                   0           0       1           0
2048                   0           0       0           1
2050                   0           0       1           0
2052                   0           0       0           0
2054                   1           1       1           1
2056                   0           0       1           0
2058                   0           0       1           1
2059                   0           0       0           0
2060                   0           0       1           0
2061                   0           0       1           1
2062                   0           0       0           0
2063                   0           1       1           1
2064                   0           0       1           0
2065                   0           0       0           1
2066                   0           0       1           1
2067                   0           0       0           1
2068                   0           0       0           1
2069                   0           0       1           0
2071                   0           0       0           0
2072                   0           0       1           0
2075                   0           0       0           1
2077                   0           0       0           0
2078                   0           0       0           1
2079                   0           0       0           0
2080                   0           0       1           0
2081                   0           0       1           0
2082                   0           0       0           0
2083                   0           0       1           0
2084                   0           0       1           0
2087                   0           0       1           1
2088                   0           0       1           0
2091                   0           0       0           1
2092                   1           0       1           0
2093                   0           0       1           0
2094                   0           0       1           1
2095                   0           0       0           1
2096                   0           0       0           0
2098                   0           0       1           0
2099                   0           0       0           0
2103                   0           0       1           1
2104                   0           0       1           1
2105                   0           0       1           0
2108                   0           0       0           0
2110                   0           0       0           0
2112                   0           0       1           0
2113                   0           0       1           0
2114                   0           0       1           0
2116                   0           0       0           0
2117                   0           0       0           0
2118                   0           0       1           0
2119                   0           0       1           1
2120                   0           0       0           0
2121                   0           0       1           0
2122                   0           0       0           1
2123                   0           0       0           1
2124                   0           0       1           0
2125                   0           0       0           0
2127                   0           0       0           0
2129                   0           0       0           0
2130                   0           0       0           0
2131                   0           0       0           1
2132                   0           0       0           0
2133                   0           0       0           1
2134                   0           0       1           0
2136                   1           0       0           0
2141                   1           0       1           0
2143                   0           0       1           0
2145                   1           1       1           0
2146                   0           0       1           1
2147                   0           0       0           0
2149                   0           0       0           0
2151                   1           0       0           1
2152                   0           0       0           0
2154                   0           0       1           0
2156                   0           0       1           0
2157                   0           0       1           1
2159                   0           0       0           1
2160                   0           0       0           1
2162                   0           0       1           1
2163                   0           0       1           0
2165                   1           0       1           0
2166                   0           0       1           0
2167                   0           0       1           1
2169                   0           0       1           0
2170                   0           0       1           1
2171                   1           0       0           1
2172                   0           0       1           0
2173                   0           0       0           0
2175                   0           0       1           0
2176                   0           0       0           0
2177                   0           0       1           0
2180                   0           0       0           0
2181                   0           0       1           0
2182                   0           0       1           0
2183                   0           0       0           0
2184                   0           0       1           1
2186                   0           0       1           1
2187                   0           0       1           0
2188                   0           0       0           0
2189                   0           0       1           1
2190                   0           0       1           1
2191                   1           0       0           1
2192                   0           0       1           0
2193                   0           0       0           1
2194                   0           0       1           0
2197                   0           0       1           0
2199                   0           0       1           0
2202                   0           0       0           0
2203                   0           0       1           0
2205                   0           0       0           0
2206                   0           0       0           0
2207                   0           0       0           0
2208                   0           0       1           0
2209                   1           0       1           0
2210                   0           0       0           0
2211                   0           0       0           0
2212                   0           0       1           1
2214                   0           0       0           0
2215                   0           0       1           1
2216                   0           0       1           0
2217                   0           0       0           0
2218                   0           1       1           0
2219                   0           0       0           0
2220                   0           0       1           0
2223                   0           0       1           0
2224                   1           0       0           0
2225                   0           0       1           0
2226                   0           0       0           0
2227                   0           0       1           0
2228                   0           0       1           1
2230                   0           0       1           1
2232                   1           0       1           0
2233                   0           0       1           0
2234                   0           0       1           0
2235                   0           0       1           0
2236                   0           0       1           1
2237                   0           0       1           0
2238                   0           0       1           1
2239                   0           0       1           0
2240                   1           0       0           0
2241                   1           0       0           0
2243                   1           0       1           0
2244                   0           0       1           1
2245                   0           0       0           0
2246                   0           0       0           1
2247                   0           0       0           0
2248                   0           0       0           0
2249                   0           0       1           0
2250                   0           0       1           0
2251                   0           0       1           0
2252                   0           0       0           0
2253                   0           0       1           0
2254                   0           0       1           0
2255                   0           0       0           0
2256                   0           0       1           0
2257                   0           1       1           1
2259                   0           0       0           0
2262                   0           0       1           0
2263                   0           0       0           1
2265                   0           0       1           0
2266                   0           0       0           0
2270                   0           0       1           0
2271                   0           0       1           0
2272                   0           0       1           1
2273                   0           0       1           0
2274                   0           0       1           1
2276                   0           0       1           0
2278                   0           0       0           0
2280                   0           1       1           1
2281                   0           0       0           0
2282                   0           0       1           1
2283                   0           0       1           1
2284                   0           0       0           0
2285                   0           0       1           1
2287                   0           0       1           0
2288                   0           0       1           0
2289                   0           0       1           0
2290                   0           0       0           0
2292                   0           0       0           0
2294                   0           0       1           0
2296                   0           0       1           0
2297                   0           0       0           1
2298                   0           0       1           1
2300                   0           0       0           0
2301                   0           0       0           0
2303                   0           0       0           1
2304                   0           0       1           1
2307                   0           0       0           0
2309                   0           0       1           0
2310                   0           0       1           0
2311                   0           0       0           0
2312                   0           0       1           1
2313                   0           0       1           0
2315                   1           0       1           0
2316                   0           0       1           0
2317                   0           0       1           0
2321                   0           0       1           0
2323                   0           0       1           0
2325                   0           0       1           0
2326                   0           0       0           0
2327                   0           0       0           0
2328                   1           0       1           0
2329                   0           0       1           0
2330                   0           0       1           0
2331                   0           0       1           1
2332                   0           0       0           0
2333                   0           0       1           1
2335                   0           0       0           0
2336                   0           0       0           0
2337                   0           0       0           0
2339                   0           0       0           1
2341                   0           0       0           0
2342                   0           0       1           0
2343                   0           0       1           0
2344                   0           0       1           1
2348                   0           0       0           1
2349                   0           0       1           1
2350                   1           1       1           0
2351                   0           0       1           1
2352                   0           0       1           1
2353                   0           0       0           0
2355                   0           0       1           0
2356                   0           0       1           1
2357                   0           1       1           1
2358                   0           0       0           0
2359                   1           0       1           0
2360                   0           1       1           1
2362                   1           1       1           0
2363                   0           0       1           0
2365                   0           0       0           1
2366                   0           0       0           0
2367                   1           0       1           0
2368                   0           0       1           1
2369                   0           0       1           1
2370                   0           0       1           0
2372                   0           0       0           0
2373                   0           0       1           1
2374                   0           0       0           0
2376                   1           1       1           1
2377                   0           0       0           0
2378                   0           0       0           0
2379                   1           1       1           0
2380                   0           0       1           0
2381                   0           0       0           0
2384                   0           0       1           1
2385                   0           0       1           0
2386                   0           0       0           0
2387                   0           0       1           0
2388                   0           0       0           1
2389                   1           0       0           0
2390                   0           0       0           1
2391                   0           0       1           0
2392                   0           0       1           0
2393                   0           0       0           1
2395                   0           0       0           0
2396                   0           0       0           1
2397                   0           0       0           1
2398                   0           0       1           0
2399                   1           0       0           1
2402                   0           0       1           0
2403                   0           0       0           0
2404                   0           0       0           0
2405                   0           0       1           0
2406                   1           0       1           0
2407                   0           0       1           0
2408                   0           0       1           0
2409                   0           0       1           0
2410                   0           0       1           0
2412                   0           0       1           0
2414                   0           0       0           0
2415                   0           0       0           0
2417                   0           0       1           0
2418                   0           0       1           1
2420                   0           0       1           0
2421                   0           0       0           1
2422                   0           0       1           0
2423                   0           0       0           0
2424                   0           0       1           0
2425                   0           0       0           0
2426                   0           0       1           1
2428                   0           0       1           0
2429                   0           0       0           1
2431                   0           0       1           0
2432                   0           0       1           0
2433                   0           0       0           1
2434                   1           1       1           0
2436                   0           0       1           0
2438                   0           0       0           1
2440                   0           0       0           1
2442                   0           0       1           1
2443                   0           0       0           0
2444                   0           1       1           1
2445                   0           0       1           1
2446                   0           0       1           0
2449                   0           0       1           1
2451                   0           0       0           0
2452                   0           0       1           1
2453                   0           0       1           0
2454                   0           0       1           0
2455                   0           0       0           0
2456                   0           0       1           0
2458                   0           0       1           1
2460                   0           0       1           1
2461                   0           0       1           0
2462                   0           0       1           0
2463                   0           0       1           0
2464                   0           0       1           0
2465                   0           0       1           0
2466                   0           0       1           0
2468                   1           0       1           0
2472                   0           0       1           0
2476                   0           0       0           0
2477                   0           0       1           0
2481                   0           0       0           0
2482                   0           0       0           0
2483                   0           0       0           1
2484                   1           0       0           0
2487                   0           0       0           0
2489                   0           0       1           0
2490                   0           0       1           0
2493                   0           0       1           0
2494                   0           0       0           0
2495                   0           0       1           0
2496                   0           0       0           1
test.x <- model.matrix(Personal.Loan ~.,                    # Personal.Loan은 Target으로 제외  
                       UB.ted)[,-1]                         # [,-1] : 절편 제거

test.x
             Age  Experience       Income     ZIP.Code Family2
1    -1.78816124 -1.68358012 -0.534005217  -1.17304370       0
6    -0.74785214 -0.64236200 -0.966895557  -0.59585545       0
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593  -0.14100516 -0.03498477  0.115330293   1.07195675       0
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1534  1.41945851  1.44007422  1.760313585   0.44126189       0
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1551 -0.48777486 -0.55559383 -0.750450387  -0.02891315       0
1552  0.37914940  0.39885611  2.561160714   0.53916759       1
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1573  1.59284336  1.70037875 -0.230981979  -0.82923532       0
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1585  0.03237970 -0.03498477 -1.053473625   0.13274510       0
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1616  1.41945851  1.35330605 -0.230981979  -0.03346690       0
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1622 -1.26800669 -1.24973924 -0.447427149  -0.61179359       0
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1627 -1.26800669 -1.24973924  2.301426510  -0.03403612       1
1628  0.03237970 -0.03498477  0.180263844  -1.22484265       0
1629 -0.31439001 -0.20852112  0.353419980   1.07935660       0
1630  0.63922667  0.74592882  1.738669068   0.13616041       0
1633 -1.26800669 -1.33650741  0.418353531   1.06114158       1
1636  0.29245697  0.31208793 -0.079470360  -1.04610783       0
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1645  1.15938123  1.26653787 -0.880317489  -1.03187735       0
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1661 -0.74785214 -0.81589836 -0.858672972   1.46813330       0
1666 -0.74785214 -0.72913018  0.569865150  -0.24635488       0
1668 -0.14100516 -0.03498477 -1.118407176  -1.78950808       0
1671 -0.66115971 -0.55559383 -1.053473625   1.11977116       0
1677  0.03237970 -0.03498477  0.007107708  -0.19740203       0
1678 -1.00792941 -0.90266653 -0.685516836  -0.56625606       0
1687  1.41945851  1.52684240 -0.750450387   1.61385341       0
1688  1.50615093  1.61361058  0.201908361  -1.78893886       0
1689  1.24607365  1.17976970  0.743021286  -0.57820966       1
1692  0.89930395  1.00623334 -0.555649734   0.54030603       0
1696 -1.35469911 -1.24973924  2.388004578  -0.71539148       0
1698  1.59284336  1.52684240 -0.901962006  -1.76617009       0
1701 -0.22769758 -0.38205747 -0.057825843  -1.75250883       0
1706  0.20576455  0.31208793  0.115330293  -1.66371064       0
1709  0.03237970 -0.03498477 -1.334852346  -1.66086454       0
1711 -1.26800669 -1.33650741 -0.966895557   1.27346034       1
1714 -0.14100516 -0.03498477 -1.269918795  -1.57263557       0
1719 -0.48777486 -0.38205747 -1.183340727  -0.64879284       0
1728  0.55253425  0.48562429 -0.425782632  -1.77527760       1
1731 -0.40108243 -0.29528930 -0.490716183   0.70253350       1
1733 -1.78816124 -1.77034829  0.310130946   0.79588544       1
1734 -0.48777486 -0.38205747  1.110978075   1.11407897       1
1736  1.24607365  1.35330605 -0.923606523   1.07195675       0
1738 -0.14100516 -0.12175295 -0.079470360  -0.43761252       0
1751  1.24607365  1.17976970 -0.274271013   1.33948976       0
1752  0.81261153  0.91946517 -1.053473625   0.88354520       1
1754  0.63922667  0.74592882 -1.053473625  -0.66017722       1
1764  0.20576455  0.31208793  1.305778728   0.53347540       0
1766 -1.70146882 -1.77034829  1.630446483   1.07195675       1
1776  0.03237970  0.13855158 -0.014536809  -1.02903125       0
1777  0.37914940  0.48562429 -0.685516836   0.51924492       0
1779 -1.61477639 -1.51004376 -0.901962006   0.87785301       0
1783 -0.74785214 -0.81589836 -0.295915530   1.51253239       1
1787 -0.92123699 -0.81589836 -0.858672972  -0.02891315       0
1793  0.03237970 -0.03498477  0.959466456  -0.09038882       0
1795  0.89930395  1.00623334  0.526576116  -1.03187735       0
1796  0.29245697  0.31208793 -0.079470360  -1.78950808       0
1797  0.98599638  1.00623334 -0.685516836  -0.19170983       1
1800 -0.66115971 -0.55559383 -0.988540074   1.51025552       0
1802 -0.92123699 -0.90266653  0.093685776  -0.59585545       0
1811  1.24607365  1.17976970 -0.837028455  -1.78893886       0
1813 -0.22769758 -0.12175295  1.175911626   1.07366441       0
1816  1.67953578  1.61361058 -1.204985244   0.99909669       1
1830  1.15938123  0.74592882 -0.620583285   1.40153465       0
1832  0.11907212  0.13855158 -0.945251040   0.54087525       0
1838 -0.22769758 -0.20852112  0.634798701  -1.75250883       0
1841  0.81261153  0.39885611 -1.096762659  -0.03517456       0
1843  0.63922667  0.74592882  0.418353531   1.07195675       0
1848 -1.78816124 -1.77034829 -0.469071666   1.11464819       0
1849 -0.92123699 -0.90266653 -0.945251040   1.06114158       0
1850  0.37914940  0.48562429 -0.685516836  -1.44456125       0
1851 -0.83454456 -0.90266653 -1.161696210  -1.78438510       0
1853 -1.18131426 -1.24973924 -0.425782632   0.81296202       0
1859 -0.92123699 -0.81589836 -0.187692945  -1.37796261       0
1870  0.81261153  0.83269699 -0.642227802   0.48793787       1
1874 -1.52808397 -1.42327559 -0.101114877   0.77994731       0
1875 -0.74785214 -0.81589836  0.180263844   1.50911708       0
1879  0.89930395  0.83269699 -0.317560047   1.51708615       0
1881 -0.14100516 -0.12175295 -0.534005217   0.88354520       0
1883  0.89930395  1.00623334  1.110978075  -1.04610783       0
1884  0.89930395  0.83269699  2.409649095  -0.82923532       0
1885  0.98599638  1.09300152  1.933469721   0.54884432       0
1886 -1.26800669 -1.24973924 -1.183340727   1.61271497       0
1887  1.67953578  1.78714693  0.894532905   0.53347540       0
1888 -1.26800669 -1.16297106  0.158619327   1.04634188       1
1895  0.46584182  0.39885611 -0.966895557   0.64618080       0
1896 -1.70146882 -1.59681194 -0.036181326   1.04463423       0
1903 -0.57446728 -0.55559383  0.245197395   0.47655348       0
1904  0.89930395  0.48562429 -0.512360700  -1.74909351       0
1906 -1.78816124 -1.85711647  0.829599354  -0.37613685       1
1908 -0.31439001 -0.20852112  0.894532905   0.30920304       0
1911 -0.22769758 -0.20852112  0.201908361   1.39356558       1
1913 -0.31439001 -0.38205747  2.539516197   0.64675002       0
1915  0.20576455  0.31208793 -0.425782632   1.39356558       0
1916 -0.74785214 -0.81589836 -0.101114877  -0.71539148       0
1924 -0.05431273 -0.12175295 -1.118407176  -1.43943828       0
1928 -0.92123699 -0.90266653 -0.252626496  -0.03517456       0
1929  1.07268880  1.17976970 -0.837028455   0.54315213       0
1930 -0.14100516 -0.12175295 -0.945251040   0.75888620       0
1939 -1.35469911 -1.42327559 -0.772094904  -1.66371064       0
1940  0.81261153  0.91946517 -1.096762659   0.54315213       1
1963 -1.52808397 -1.42327559  1.760313585  -1.79235417       0
1965 -1.00792941 -0.90266653 -0.858672972   1.07707972       0
1967  0.55253425  0.48562429  0.872888388  -1.04610783       1
1968 -0.22769758 -0.20852112  0.331775463   0.64618080       0
1970  1.59284336  1.52684240  0.894532905   0.53347540       0
1971 -1.61477639 -1.51004376  1.608801966  -0.22074001       0
1975 -0.57446728 -0.64236200 -0.230981979  -1.74909351       0
1978 -0.40108243 -0.46882565 -0.425782632   0.64618080       0
1980 -0.40108243 -0.29528930 -1.356496863  -1.04610783       0
1981 -0.05431273 -0.12175295  1.457290347   0.87557613       0
1982  0.55253425  0.48562429  0.223552878  -0.79678982       0
1984 -1.26800669 -1.33650741 -1.161696210   0.88354520       1
1986 -1.26800669 -1.16297106 -0.923606523   0.99738903       0
1990  1.15938123  1.26653787 -0.404138115  -1.64720328       0
1991 -1.18131426 -1.07620288 -0.966895557  -0.20537109       0
1998  0.72591910  0.83269699 -0.274271013  -0.61179359       0
2002 -0.14100516 -0.29528930  1.175911626   1.00194279       1
2003 -1.35469911 -1.42327559  1.478934864  -0.59300936       0
2006  0.11907212  0.22531976  2.084981340  -1.65858766       1
2008  0.20576455  0.05178341  0.093685776   0.47939958       0
2011  1.33276608  1.35330605 -0.707161353   1.61271497       1
2012  0.03237970  0.05178341 -0.750450387  -0.37613685       0
2013  0.98599638  0.91946517 -0.490716183   0.44126189       0
2018 -0.31439001 -0.46882565 -1.291563312  -0.62830095       0
2020 -0.22769758 -0.29528930 -0.642227802   0.82150031       0
2022  0.03237970 -0.03498477  0.634798701  -1.01764687       0
2023 -1.09462184 -1.51004376 -0.057825843   0.22382017       0
2024  0.81261153  0.74592882 -0.404138115   0.88354520       0
2025 -0.83454456 -0.72913018  0.851243871   0.64731924       0
2027  1.15938123  1.09300152  0.136974810   0.42077000       1
2028 -0.66115971 -0.72913018  2.279781993   0.81296202       1
2030 -1.35469911 -1.51004376 -0.274271013  -0.57820966       0
2031  1.50615093  1.52684240  0.807954837   1.50627098       1
2034  0.29245697  0.22531976  0.201908361  -0.59300936       0
2038 -0.92123699 -1.07620288 -0.469071666   1.39356558       1
2040  0.46584182  0.39885611 -0.901962006  -0.88957255       1
2041 -0.40108243 -0.38205747  0.375064497   0.88354520       0
2046  0.55253425  0.65916064 -0.642227802   1.07195675       0
2047 -0.22769758 -0.38205747  1.890180687   1.11920194       0
2049 -1.52808397 -1.42327559 -0.663872319   0.93079039       0
2051 -0.40108243 -0.46882565 -0.966895557   0.48736865       1
2053 -1.52808397 -1.51004376  1.002755490   0.51924492       0
2055 -0.57446728 -0.46882565  0.331775463  -0.59300936       1
2057 -1.09462184 -1.07620288 -1.161696210  -0.27140052       0
2070 -1.35469911 -1.42327559 -0.837028455  -1.76958540       0
2073 -1.44139154 -1.51004376 -0.750450387   1.51594771       0
2074  0.03237970 -0.03498477 -0.425782632  -1.17304370       0
2076 -0.48777486 -0.38205747 -0.447427149   0.54372135       0
2085 -0.83454456 -0.98943471 -0.642227802   0.42077000       0
2086  0.37914940  0.31208793 -0.620583285   0.53347540       0
2089 -0.57446728 -0.98943471 -0.966895557   0.87273003       0
2090  0.63922667  0.74592882  0.461642565   0.64675002       0
2097  0.81261153  0.74592882 -0.425782632   1.07195675       1
2100  0.63922667  0.74592882 -1.378141380  -1.74909351       1
2101 -1.26800669 -1.24973924  1.543868415   0.43955424       0
2102 -0.92123699 -1.33650741  2.799250401   1.06114158       0
2106 -1.26800669 -1.33650741 -0.534005217   0.53859837       0
2107  1.41945851  1.52684240  1.262489694  -1.68363331       0
2109  0.89930395  1.00623334  0.245197395   0.54884432       0
2111 -1.52808397 -1.42327559  0.656443218   0.64504236       0
2115  1.41945851  1.35330605 -0.101114877   1.06512612       1
2126 -0.14100516 -0.03498477  0.418353531  -0.71596070       0
2128 -0.48777486 -0.55559383  2.279781993   0.88354520       1
2135  0.37914940  0.31208793 -0.122759394   1.51025552       0
2137  0.37914940  0.48562429  0.894532905   1.04748032       0
2138  1.67953578  1.70037875  0.201908361  -0.46322738       0
2139 -0.83454456 -0.81589836 -0.728805870   0.25228113       1
2140  0.98599638  1.00623334  0.851243871  -0.79678982       0
2142 -1.52808397 -1.42327559 -0.772094904  -0.60268608       0
2144  0.89930395  0.91946517 -0.187692945  -0.61179359       0
2148 -1.61477639 -1.51004376 -1.161696210  -0.66074644       0
2150  0.20576455  0.13855158  1.652091000   1.06512612       0
2153  1.41945851  1.52684240 -0.945251040   0.64675002       0
2155 -1.18131426 -1.07620288 -0.620583285   0.79133169       0
2158 -1.78816124 -1.77034829 -0.057825843   0.31831055       0
2161 -0.22769758 -0.29528930 -0.404138115   0.43556970       0
2164 -1.09462184 -1.51004376 -0.101114877  -0.57308669       0
2168  1.67953578  1.70037875  1.911825204   0.81296202       0
2174 -1.00792941 -0.90266653 -0.858672972   0.13616041       0
2178 -1.26800669 -1.16297106  0.743021286   0.76230151       0
2179 -0.74785214 -0.64236200  1.825247136   0.44126189       1
2185  1.41945851  1.35330605  2.366360061  -1.74909351       1
2195 -1.00792941 -0.98943471  1.067689041   0.78848560       0
2196  0.46584182  0.57239246 -0.880317489  -0.64366986       0
2198  1.24607365  1.26653787 -0.858672972   0.53176774       0
2200  0.29245697  0.31208793 -0.490716183  -1.22484265       0
2201  0.37914940  0.39885611 -0.966895557  -1.74909351       1
2204  0.37914940  0.39885611  1.219200660  -1.05180002       0
2213  0.03237970  0.13855158  0.201908361   1.07707972       0
2221  1.67953578  1.70037875  0.136974810   0.53347540       0
2222  1.15938123  1.09300152 -0.014536809  -0.63285470       1
2229  0.20576455  0.22531976 -0.663872319  -1.65858766       0
2231 -0.83454456 -0.81589836  2.366360061   0.87443769       0
2242 -1.70146882 -1.77034829 -1.291563312   0.64504236       0
2258  0.11907212  0.22531976  1.219200660  -0.79963592       1
2260 -1.87485367 -1.77034829  0.180263844  -1.57491244       0
2261 -0.57446728 -0.55559383 -1.269918795   0.22382017       1
2264  0.11907212  0.05178341 -0.988540074  -0.17064872       0
2267 -0.66115971 -0.64236200  1.500579381   0.78677794       0
2268 -0.66115971 -0.64236200  2.041692306  -0.29644616       1
2269 -1.61477639 -1.51004376  0.678087735   0.64675002       0
2275 -0.48777486 -0.46882565 -1.140051693  -1.78381588       1
2277 -1.44139154 -1.51004376  2.128270374  -0.61179359       0
2279 -1.35469911 -1.42327559  2.820894918  -1.17304370       1
2286  0.20576455  0.13855158  0.872888388  -0.66074644       0
2291 -0.66115971 -0.64236200  0.093685776  -0.69774569       0
2293  0.98599638  1.09300152  2.084981340   1.07195675       1
2295 -0.57446728 -0.46882565  1.197556143  -1.78324666       1
2299  0.20576455  0.31208793 -1.399785897  -0.30612289       0
2302 -0.66115971 -0.64236200  0.223552878   0.13388354       0
2305 -1.61477639 -1.59681194  2.084981340   1.50854786       0
2306 -1.18131426 -1.16297106  2.409649095  -0.65960800       1
2308  0.89930395  0.91946517 -0.295915530  -0.65960800       0
2314  1.07268880  1.00623334 -0.425782632   0.49363006       0
2318 -1.26800669 -1.33650741  1.197556143   1.50627098       0
2319  1.24607365  1.17976970 -1.096762659   0.93079039       0
2320 -1.00792941 -0.98943471  2.691027816   1.50911708       1
2322 -0.40108243 -0.46882565 -0.750450387  -1.01764687       0
2324 -1.26800669 -1.16297106  0.851243871   0.78222418       1
2334 -0.05431273  0.05178341 -0.274271013   1.50513254       0
2338 -0.22769758 -0.38205747  2.755961367   1.07366441       0
2340  0.89930395  0.91946517 -0.036181326  -1.74909351       0
2345  1.67953578  1.70037875 -1.161696210   0.81979265       0
2346  1.67953578  1.70037875  0.331775463  -1.63752655       0
2347  0.55253425  0.48562429 -0.317560047  -0.28904631       1
2354  1.33276608  1.35330605 -1.334852346  -0.08241975       0
2361 -1.61477639 -1.68358012  0.245197395   0.07639240       1
2364 -0.57446728 -0.64236200 -0.274271013  -1.74909351       1
2371 -1.09462184 -1.16297106 -0.490716183   0.49647616       0
2375 -1.18131426 -1.33650741 -0.707161353  -0.66017722       1
2382 -1.09462184 -0.98943471 -0.534005217   1.00194279       0
2383  0.03237970 -0.03498477  2.409649095   0.54827510       0
2394  0.63922667  0.65916064 -1.291563312   0.47655348       0
2400  1.41945851  1.35330605 -0.707161353  -1.66371064       1
2401  1.33276608  1.35330605  2.063336823  -1.01764687       1
2411 -1.44139154 -1.42327559  1.219200660  -0.30612289       1
2413  1.33276608  1.35330605 -0.317560047  -0.02834393       0
2416 -0.05431273  0.05178341 -1.356496863   0.55510573       0
2419 -0.40108243 -0.29528930 -0.988540074   1.39356558       0
2427  1.33276608  1.35330605 -0.404138115   0.54884432       0
2430 -1.09462184 -1.16297106 -0.339204564   1.39356558       0
2435 -0.66115971 -0.72913018  0.418353531   1.39356558       0
2437  0.63922667  0.74592882 -0.750450387  -0.30839977       0
2439  1.41945851  1.44007422 -0.966895557  -1.21687358       0
2441 -1.26800669 -1.33650741 -1.118407176  -1.00569326       0
2447 -1.78816124 -1.68358012 -0.079470360  -0.08981960       0
2448 -0.14100516 -0.12175295  2.755961367   1.50911708       1
2450 -1.26800669 -1.16297106 -0.209337462   0.88354520       0
2457  0.72591910  0.83269699 -0.750450387   1.16303182       1
2459  0.03237970 -0.03498477 -0.036181326  -0.03403612       1
2467 -1.87485367 -1.94388465  0.136974810   0.53347540       1
2469  0.29245697  0.22531976  1.284134211   0.64675002       0
2470 -0.22769758 -0.20852112  0.331775463  -0.22074001       0
2471 -1.09462184 -1.16297106  0.158619327  -0.59528623       1
2473  1.41945851  1.35330605  0.981110973   0.88354520       1
2474  0.98599638  1.00623334 -0.750450387  -0.56113308       0
2475  1.59284336  1.52684240 -0.728805870  -0.59528623       1
2478 -0.48777486 -0.55559383  2.279781993  -1.78893886       0
2479 -1.35469911 -1.33650741  2.258137476   0.50956820       1
2480  0.81261153  0.83269699  0.180263844   0.88354520       0
2485  0.03237970  0.05178341 -0.945251040  -0.26798520       0
2486  1.33276608  1.35330605 -0.555649734   0.48793787       0
2488 -0.05431273 -0.03498477 -0.728805870  -0.16040278       0
2491  0.55253425  0.65916064  2.041692306  -1.57320479       0
2492 -0.66115971 -0.55559383  0.136974810  -0.17064872       1
2497  1.50615093  1.44007422 -0.901962006  -0.02891315       0
2498 -1.09462184 -0.98943471 -1.291563312   1.11863272       0
2499 -0.66115971 -0.55559383  0.807954837  -0.64879284       1
2500  0.63922667  0.57239246 -0.772094904   0.53347540       0
     Family3 Family4       CCAvg Education2 Education3   Mortgage
1          0       1 -0.19512759          0          0 -0.5664192
6          0       1 -0.86789083          1          0  0.9609885
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1967       0       0  0.25338123          1          0 -0.5664192
1968       1       0 -0.81182723          0          1  0.4978391
1970       0       0  0.02912682          0          0 -0.5664192
1971       0       0 -0.25119120          0          0  3.3457154
1975       0       1 -0.98001804          0          1  1.8183077
1978       1       0 -0.81182723          0          1 -0.5664192
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1981       0       0  0.25338123          0          0 -0.5664192
1982       1       0  0.58976285          1          0 -0.5664192
1984       0       0 -0.92395443          0          0 -0.5664192
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1990       0       0 -0.08300039          0          1 -0.5664192
1991       0       0 -0.98001804          0          1  0.1825033
1998       0       0 -0.08300039          0          1 -0.5664192
2002       0       0  0.72992186          1          0 -0.5664192
2003       1       0  1.26252609          0          0  2.9712541
2006       0       0  2.55198895          1          0 -0.5664192
2008       1       0  0.02912682          1          0 -0.5664192
2011       0       0 -0.25119120          0          0 -0.5664192
2012       0       1 -1.09214524          1          0 -0.5664192
2013       0       0 -0.30725480          0          0 -0.5664192
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2020       0       0 -0.98001804          0          0 -0.5664192
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2070       0       1 -0.64363642          0          0 -0.5664192
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2074       0       0 -0.69970002          0          1  0.9511343
2076       0       1  0.02912682          0          1 -0.5664192
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2089       1       0  0.02912682          0          1  0.9215715
2090       0       0  0.42157204          1          0 -0.5664192
2097       0       0  0.19731763          0          1  0.3500254
2100       0       0 -0.86789083          0          0 -0.5664192
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2137       0       0 -0.41938201          0          1 -0.5664192
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2139       0       0 -0.47544561          1          0  1.0693852
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1911                   0           0       0           0
1913                   1           1       1           0
1915                   0           0       1           0
1916                   1           0       0           0
1924                   0           0       1           0
1928                   0           0       0           0
1929                   0           0       1           0
1930                   0           0       1           0
1939                   0           0       1           0
1940                   0           0       1           0
1963                   0           0       0           0
1965                   0           0       0           1
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1968                   0           0       0           1
1970                   0           0       1           1
1971                   0           0       1           1
1975                   0           0       0           0
1978                   0           0       1           1
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1981                   0           0       1           0
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1984                   0           0       0           0
1986                   0           0       0           0
1990                   1           0       0           0
1991                   0           0       1           1
1998                   0           0       1           0
2002                   0           0       0           1
2003                   0           0       0           0
2006                   0           1       1           1
2008                   0           0       1           1
2011                   0           0       0           0
2012                   0           0       1           0
2013                   0           0       1           1
2018                   1           0       0           0
2020                   1           1       1           0
2022                   0           0       1           0
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2024                   0           0       1           0
2025                   0           0       0           0
2027                   0           0       1           0
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2085                   1           0       1           0
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2089                   1           0       0           0
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2100                   0           0       0           0
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2106                   0           0       1           1
2107                   0           0       0           0
2109                   1           0       1           0
2111                   0           0       0           0
2115                   0           0       1           0
2126                   0           0       1           0
2128                   0           0       0           0
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2139                   1           0       0           0
2140                   0           0       1           0
2142                   0           0       0           0
2144                   0           0       0           0
2148                   0           0       0           0
2150                   0           0       0           0
2153                   0           0       1           0
2155                   0           0       0           0
2158                   1           0       0           0
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2174                   0           0       0           0
2178                   0           0       1           0
2179                   0           1       1           1
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2195                   0           0       1           0
2196                   0           0       1           0
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2200                   0           0       0           1
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2204                   0           0       0           0
2213                   0           0       1           0
2221                   0           0       1           0
2222                   0           0       1           1
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2302                   0           0       0           0
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2306                   0           1       1           1
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2320                   0           0       1           0
2322                   0           0       0           0
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2498                   0           0       0           0
2499                   0           0       0           0
2500                   1           0       1           0

6. 모형 훈련

Package "glmnet"에서 제공하는 함수 glmnet()을 이용하여 Ridge Regression을 수행할 수 있다. 함수 glmnet()는 Target이 2개의 클래스를 가질 때 “두 번째 클래스”에 속할 확률을 모델링하며, “두 번째 클래스”란 “Factor” 변환하였을 때 두 번째 수준(Level)을 의미한다. 예를 들어, “a”와 “b” 2개의 클래스를 가진 Target을 “Factor” 변환하였을 때 수준이 “a” “b”라면, 첫 번째 클래스는 “a”, 두 번째 클래스는 “b”가 된다. 함수 glmnet()에 대한 자세한 옵션은 여기를 참고한다.

glmnet(x, y, family, alpha, lambda, ...)

6-1. 람다 값 직접 지정

ridge.fit <- glmnet(x = train.x,                 # 예측 변수를 포함하는 행렬
                    y = UB.trd$Personal.Loan,    # Target
                    family = "binomial",         # Binary Classification
                    alpha = 0,                   # 0 : Ridge / 1 : Lasso / 0 < alpha < 1 : Elastic Net
                    lambda = 1)

round(coef(ridge.fit), 3)                        # 회귀계수 추정치
16 x 1 sparse Matrix of class "dgCMatrix"
                        s0
(Intercept)         -2.265
Age                 -0.004
Experience          -0.004
Income               0.138
ZIP.Code             0.002
Family2             -0.040
Family3              0.046
Family4              0.030
CCAvg                0.093
Education2           0.058
Education3           0.058
Mortgage             0.038
Securities.Account1  0.019
CD.Account1          0.380
Online1              0.016
CreditCard1         -0.014

Result! 데이터 “UB.trd”의 Target “Personal.Loan”은 “no”와 “yes” 2개의 클래스를 가지며, “Factor” 변환하면 알파벳순으로 수준을 부여하기 때문에 “yes”가 두 번째 클래스가 된다. 즉, “yes”에 속할 확률(= 개인 대출 제의를 수락할 확률)을 \(p\)라고 할 때, 추정된 회귀계수를 이용하여 다음과 같은 모형식을 얻을 수 있다. \[ \begin{align*} \log{\frac{p}{1-p}} = &-2.265 -0.004 Z_{\text{Age}} -0.004 Z_{\text{Experience}} + 0.138 Z_{\text{Income}} \\ &+0.002 Z_{\text{ZIP.Code}} -0.040 X_{\text{Family2}} + 0.046 X_{\text{Family3}} + 0.030 X_{\text{Family4}} \\ &+ 0.093 Z_{\text{CCAvg}} + 0.058 X_{\text{Education2}} + 0.058 X_{\text{Education3}} + 0.038 Z_{\text{Mortgage}} \\ &+ 0.019 X_{\text{Securities.Account1}} + 0.380 X_{\text{CD.Account1}} + 0.016 X_{\text{Online1}} -0.014 X_{\text{CreditCard1}} \end{align*} \] 여기서, \(Z_{\text{예측 변수}}\)는 표준화한 예측 변수, \(X_{\text{예측 변수}}\)는 더미 변수를 의미한다.


6-2. 교차 검증을 통한 최적의 람다 값

# 100개의 람다 값에 따른 결과
ridge.fit <- glmnet(x = train.x,                 # 예측 변수를 포함하는 행렬
                    y = UB.trd$Personal.Loan,    # Target
                    family = "binomial",         # Binary Classification
                    alpha = 0)                   # 0 : Ridge / 1 : Lasso / 0 < alpha < 1 : Elastic Net

plot(ridge.fit, xvar = "lambda")                 # 람다 값에 따른 회귀계수 추정치 확인

Result! 100개의 \(\lambda\) 값에 대한 회귀계수 추정치의 변화를 보여준다. 해당 그림을 통해 \(\lambda\) 값이 클수록 회귀계수 추정치는 작아진다는 것을 알 수 있다.

ridge.fit$lambda                                 # 100개의 람다 값
  [1] 159.18530945 145.04372529 132.15844050 120.41784889 109.72025908
  [6]  99.97301366  91.09168667  82.99935228  75.62591858  68.90752041
 [11]  62.78596621  57.20823402  52.12601218  47.49528092  43.27593107
 [16]  39.43141663  35.92843825  32.73665482  29.82842063  27.17854595
 [21]  24.76407884  22.56410633  20.55957331  18.73311748  17.06891896
 [26]  15.55256324  14.17091639  12.91201123  11.76494374  10.71977856
 [31]   9.76746298   8.89974849   8.10911936   7.38872755   6.73233336
 [36]   6.13425142   5.58930143   5.09276329   4.64033624   4.22810156
 [41]   3.85248867   3.51024419   3.19840377   2.91426640   2.65537100
 [46]   2.41947516   2.20453566   2.00869078   1.83024423   1.66765038
 [51]   1.51950091   1.38451264   1.26151635   1.14944672   1.04733304
 [56]   0.95429086   0.86951429   0.79226904   0.72188604   0.65775567
 [61]   0.59932247   0.54608031   0.49756804   0.45336547   0.41308973
 [66]   0.37639198   0.34295435   0.31248723   0.28472673   0.25943239
 [71]   0.23638513   0.21538533   0.19625109   0.17881668   0.16293110
 [76]   0.14845675   0.13526826   0.12325140   0.11230209   0.10232548
 [81]   0.09323517   0.08495241   0.07740547   0.07052898   0.06426338
 [86]   0.05855440   0.05335259   0.04861289   0.04429426   0.04035928
 [91]   0.03677387   0.03350698   0.03053031   0.02781808   0.02534680
 [96]   0.02309506   0.02104336   0.01917393   0.01747057   0.01591853
coef(ridge.fit)                                  # 100개의 람다 값에 따른 회귀계수 추정치
16 x 100 sparse Matrix of class "dgCMatrix"
                                                             
(Intercept)         -2.166511e+00 -2.167074e+00 -2.167129e+00
Age                 -6.393465e-39 -4.351962e-05 -4.775977e-05
Experience          -5.888500e-39 -4.008018e-05 -4.398229e-05
Income               1.608392e-37  1.096704e-03  1.203557e-03
ZIP.Code             1.228136e-39  8.412200e-06  9.234586e-06
Family2             -4.313568e-38 -2.943123e-04 -3.230029e-04
Family3              4.743758e-38  3.237809e-04  3.553374e-04
Family4              2.892734e-38  1.975239e-04  2.167871e-04
CCAvg                1.131406e-37  7.712529e-04  8.463497e-04
Education2           5.765293e-38  3.935973e-04  4.319701e-04
Education3           5.749138e-38  3.925216e-04  4.308034e-04
Mortgage             4.739507e-38  3.230502e-04  3.545050e-04
Securities.Account1  3.247497e-38  2.209800e-04  2.425057e-04
CD.Account1          4.479005e-37  3.054235e-03  3.351708e-03
Online1              2.257208e-38  1.537655e-04  1.687253e-04
CreditCard1         -9.577375e-39 -6.558972e-05 -7.200808e-05
                                                             
(Intercept)         -2.167189e+00 -2.167256e+00 -2.167328e+00
Age                 -5.240201e-05 -5.749395e-05 -6.307884e-05
Experience          -4.825679e-05 -5.294525e-05 -5.808746e-05
Income               1.320764e-03  1.449370e-03  1.590482e-03
ZIP.Code             1.013865e-05  1.113161e-05  1.222230e-05
Family2             -3.544817e-04 -3.890268e-04 -4.269368e-04
Family3              3.899804e-04  4.280007e-04  4.697274e-04
Family4              2.379334e-04  2.611435e-04  2.866190e-04
CCAvg                9.287407e-04  1.019139e-03  1.118319e-03
Education2           4.740964e-04  5.203320e-04  5.710779e-04
Education3           4.728206e-04  5.189373e-04  5.695539e-04
Mortgage             3.890119e-04  4.268715e-04  4.684084e-04
Securities.Account1  2.660679e-04  2.919107e-04  3.202529e-04
CD.Account1          3.678119e-03  4.036277e-03  4.429262e-03
Online1              1.851370e-04  2.031410e-04  2.228907e-04
CreditCard1         -7.905702e-05 -8.679901e-05 -9.530279e-05
                                                             
(Intercept)         -2.167408e+00 -2.167496e+00 -2.167593e+00
Age                 -6.920404e-05 -7.592135e-05 -8.328748e-05
Experience          -6.372698e-05 -6.991147e-05 -7.669307e-05
Income               1.745311e-03  1.915186e-03  2.101564e-03
ZIP.Code             1.342043e-05  1.473669e-05  1.618289e-05
Family2             -4.685388e-04 -5.141922e-04 -5.642909e-04
Family3              5.155218e-04  5.657804e-04  6.209382e-04
Family4              3.145812e-04  3.452732e-04  3.789620e-04
CCAvg                1.227132e-03  1.346509e-03  1.477470e-03
Education2           6.267743e-04  6.879045e-04  7.549991e-04
Education3           6.251097e-04  6.860873e-04  7.530162e-04
Mortgage             5.139782e-04  5.639706e-04  6.188127e-04
Securities.Account1  3.513343e-04  3.854167e-04  4.227870e-04
CD.Account1          4.860451e-03  5.333545e-03  5.852603e-03
Online1              2.445546e-04  2.683168e-04  2.943791e-04
CreditCard1         -1.046441e-04 -1.149062e-04 -1.261810e-04
                                                             
(Intercept)         -2.167699e+00 -2.167815e+00 -2.167943e+00
Age                 -9.136445e-05 -1.002201e-04 -1.099284e-04
Experience          -8.412880e-05 -9.228101e-05 -1.012178e-04
Income               2.306043e-03  2.530371e-03  2.776468e-03
ZIP.Code             1.777200e-05  1.951835e-05  2.143776e-05
Family2             -6.192671e-04 -6.795949e-04 -7.457944e-04
Family3              6.814729e-04  7.479082e-04  8.208194e-04
Family4              4.159404e-04  4.565303e-04  5.010852e-04
CCAvg                1.621133e-03  1.778725e-03  1.951586e-03
Education2           8.286402e-04  9.094674e-04  9.981823e-04
Education3           8.264780e-04  9.071110e-04  9.956163e-04
Mortgage             6.789723e-04  7.449619e-04  8.173426e-04
Securities.Account1  4.637585e-04  5.086735e-04  5.579062e-04
CD.Account1          6.422072e-03  7.046829e-03  7.732213e-03
Online1              3.229624e-04  3.543084e-04  3.886814e-04
CreditCard1         -1.385698e-04 -1.521841e-04 -1.671471e-04
                                                             
(Intercept)         -2.168083e+00 -2.168238e+00 -2.168407e+00
Age                 -1.205706e-04 -1.322349e-04 -1.450179e-04
Experience          -1.110137e-04 -1.217499e-04 -1.335150e-04
Income               3.046434e-03  3.342571e-03  3.667399e-03
ZIP.Code             2.354765e-05  2.586729e-05  2.841794e-05
Family2             -8.184360e-04 -8.981452e-04 -9.856081e-04
Family3              9.008374e-04  9.886548e-04  1.085031e-03
Family4              5.499930e-04  6.036800e-04  6.626143e-04
CCAvg                2.141186e-03  2.349133e-03  2.577188e-03
Education2           1.095556e-03  1.202433e-03  1.319744e-03
Education3           1.092764e-03  1.199398e-03  1.316447e-03
Mortgage             8.967287e-04  9.837927e-04  1.079270e-03
Securities.Account1  6.118649e-04  6.709953e-04  7.357834e-04
CD.Account1          8.484080e-03  9.308840e-03  1.021351e-02
Online1              4.263707e-04  4.676925e-04  5.129922e-04
CreditCard1         -1.835946e-04 -2.016765e-04 -2.215586e-04
                                                             
(Intercept)         -2.168594e+00 -2.168799e+00 -2.169024e+00
Age                 -1.590250e-04 -1.743710e-04 -1.911810e-04
Experience          -1.464058e-04 -1.605278e-04 -1.759959e-04
Income               4.023680e-03  4.414435e-03  4.842972e-03
ZIP.Code             3.122313e-05  3.430885e-05  3.770391e-05
Family2             -1.081577e-03 -1.186877e-03 -1.302412e-03
Family3              1.190801e-03  1.306879e-03  1.434269e-03
Family4              7.273103e-04  7.983329e-04  8.763027e-04
CCAvg                2.827277e-03  3.101508e-03  3.402185e-03
Education2           1.448507e-03  1.589843e-03  1.744981e-03
Education3           1.444931e-03  1.585968e-03  1.740788e-03
Mortgage             1.183967e-03  1.298763e-03  1.424620e-03
Securities.Account1  8.067588e-04  8.844984e-04  9.696297e-04
CD.Account1          1.120580e-02  1.229410e-02  1.348764e-02
Online1              5.626474e-04  6.170701e-04  6.767103e-04
CreditCard1         -2.434240e-04 -2.674752e-04 -2.939363e-04
                                                             
(Intercept)         -2.169271e+00 -2.169544e+00 -2.169843e+00
Age                 -2.095912e-04 -2.297500e-04 -2.518183e-04
Experience          -1.929349e-04 -2.114808e-04 -2.317815e-04
Income               5.312910e-03  5.828208e-03  6.393194e-03
ZIP.Code             4.144019e-05  4.555304e-05  5.008168e-05
Family2             -1.429174e-03 -1.568251e-03 -1.720832e-03
Family3              1.574074e-03  1.727501e-03  1.895878e-03
Family4              9.619017e-04  1.055879e-03  1.159059e-03
CCAvg                3.731827e-03  4.093187e-03  4.489270e-03
Education2           1.915271e-03  2.102195e-03  2.307382e-03
Education3           1.910740e-03  2.097309e-03  2.302122e-03
Mortgage             1.562591e-03  1.713824e-03  1.879573e-03
Securities.Account1  1.062835e-03  1.164856e-03  1.276495e-03
CD.Account1          1.479650e-02  1.623171e-02  1.780532e-02
Online1              7.420584e-04  8.136493e-04  8.920653e-04
CreditCard1         -3.230558e-04 -3.551086e-04 -3.904003e-04
                                                             
(Intercept)         -2.170173e+00 -2.170536e+00 -2.170935e+00
Age                 -2.756449e-04 -3.020066e-04 -3.308352e-04
Experience          -2.537873e-04 -2.780498e-04 -3.045810e-04
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Education3           0.126152102  0.137816154  0.150433935
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Income               0.617237652  0.647380994  0.678245031
ZIP.Code             0.023693184  0.025756589  0.027912377
Family2             -0.219463144 -0.230548661 -0.241641005
Family3              0.302576532  0.323004322  0.344306691
Family4              0.247458750  0.266122364  0.285632689
CCAvg                0.301201739  0.308148512  0.314678649
Education2           0.440422358  0.472938535  0.507032031
Education3           0.425945617  0.457309098  0.490269017
Mortgage             0.100684751  0.101617181  0.102338375
Securities.Account1 -0.097028718 -0.111203284 -0.126217285
CD.Account1          1.406856529  1.456648994  1.506619974
Online1              0.010331733  0.006963160  0.003255223
CreditCard1         -0.187197556 -0.203317675 -0.220192317
                                                           
(Intercept)         -3.0456688846 -3.098050226 -3.152166232
Age                 -0.0048667606 -0.004012751 -0.003064726
Experience          -0.0053603726 -0.004690352 -0.003949931
Income               0.7098097298  0.742052633  0.774948938
ZIP.Code             0.0301537174  0.032472583  0.034859811
Family2             -0.2526873773 -0.263634977 -0.274431869
Family3              0.3664722467  0.389486101  0.413330213
Family4              0.3059685338  0.327104154  0.349009722
CCAvg                0.3207881823  0.326477933  0.331753197
Education2           0.5426956973  0.579915970  0.618673131
Education3           0.5248307479  0.560993086  0.598748342
Mortgage             0.1028519086  0.103162903  0.103277935
Securities.Account1 -0.1420545978 -0.158696293 -0.176120906
CD.Account1          1.5567903781  1.607183803  1.657825230
Online1             -0.0007886813 -0.005162853 -0.009859421
CreditCard1         -0.2377926555 -0.256085316 -0.275032906
                                                            
(Intercept)         -3.207986085 -3.2655477885 -3.3248194930
Age                 -0.002032185 -0.0009033606  0.0003136534
Experience          -0.003141005 -0.0022702074 -0.0013416653
Income               0.808446392  0.8425572898  0.8772335620
ZIP.Code             0.037305092  0.0397974956  0.0423250094
Family2             -0.285021567 -0.2953678593 -0.3054210387
Family3              0.437986031  0.4634276144  0.4896310229
Family4              0.371651198  0.3949939282  0.4189985493
CCAvg                0.336620278  0.3411000584  0.3452050752
Education2           0.658930830  0.7006767072  0.7438668142
Education3           0.638076193  0.6789672070  0.7213911836
Mortgage             0.103203896  0.1029522982  0.1025323157
Securities.Account1 -0.194325256 -0.2132517842 -0.2328868297
CD.Account1          1.708740257  1.7599584777  1.8115004017
Online1             -0.014869887 -0.0201801292 -0.0257781781
CreditCard1         -0.294593612 -0.3147264617 -0.3353848343
                                                           
(Intercept)         -3.3857841922 -3.4484199013 -3.51269915
Age                  0.0016163872  0.0030021947  0.00446836
Experience          -0.0003608313  0.0006664885  0.00173424
Income               0.9124431341  0.9481529097  0.98432894
ZIP.Code             0.0448750560  0.0474345783  0.04999021
Family2             -0.3151402044 -0.3244886278 -0.33343401
Family3              0.5165694697  0.5442148346  0.57253783
Family4              0.4436246587  0.4688307046  0.49457444
CCAvg                0.3489540978  0.3523679541  0.35546889
Education2           0.7884604546  0.8344126767  0.88167449
Education3           0.7653170036  0.8107085481  0.85752498
Mortgage             0.1019551529  0.1012328053  0.10037787
Securities.Account1 -0.2532016511 -0.2741662804 -0.29574964
CD.Account1          1.8633869194  1.9156362487  1.96826324
Online1             -0.0316497199 -0.0377794927 -0.04415156
CreditCard1         -0.3565217833 -0.3780896142 -0.40004042
                                                          
(Intercept)         -3.578588702 -3.646049402 -3.715035981
Age                  0.006012173  0.007630983  0.009322242
Experience           0.002836221  0.003966163  0.005117786
Income               1.020936651  1.057940996  1.095306588
ZIP.Code             0.052528450  0.055035860  0.057499236
Family2             -0.341948664 -0.350009577 -0.357598381
Family3              0.601508147  0.631094523  0.661264747
Family4              0.520813354  0.547504982  0.574607166
CCAvg                0.358280050  0.360824995  0.363127285
Education2           0.930193114  0.979912179  1.030771876
Education3           0.905721016  0.955247192  1.006050019
Mortgage             0.099403355  0.098322536  0.097148757
Securities.Account1 -0.317919711 -0.340643588 -0.363887590
CD.Account1          2.021278999  2.074690565  2.128500666
Online1             -0.050749545 -0.057556825 -0.064556681
CreditCard1         -0.422326604 -0.444901302 -0.467718754
                                                          
(Intercept)         -3.785451536 -3.857329584 -3.930564281
Age                  0.011055876  0.012880715  0.014771270
Experience           0.006303689  0.007484735  0.008669392
Income               1.132936143  1.170909339  1.209137392
ZIP.Code             0.059905651  0.062243316  0.064500626
Family2             -0.364696974 -0.371306242 -0.377415594
Family3              0.692001164  0.723243513  0.754967742
Family4              0.602080646  0.629881309  0.657969672
CCAvg                0.365229466  0.367123315  0.368843564
Education2           1.082694467  1.135646049  1.189542311
Education3           1.058060703  1.111242334  1.165519173
Mortgage             0.095898360  0.094579489  0.093206878
Securities.Account1 -0.387696476 -0.411896015 -0.436512559
CD.Account1          2.182768343  2.237387195  2.292389453
Online1             -0.071735072 -0.079070669 -0.086549112
CreditCard1         -0.490747131 -0.513924794 -0.537218761
                                                                    
(Intercept)         -4.005085203 -4.08081605 -4.15767389 -4.23556904
Age                  0.016725651  0.01874211  0.02081900  0.02295478
Experience           0.009851477  0.01102482  0.01218323  0.01332046
Income               1.247583693  1.28621140  1.32498290  1.36385965
ZIP.Code             0.066667068  0.06873319  0.07069071  0.07253261
Family2             -0.383023418 -0.38813172 -0.39274571 -0.39687351
Family3              0.787136617  0.81971139  0.85265142  0.88591401
Family4              0.686305308  0.71484818  0.74355832  0.77239564
CCAvg                0.370410630  0.37184384  0.37316120  0.37437932
Education2           1.244310796  1.29987628  1.35616043  1.41308180
Education3           1.220822710  1.27708083  1.33421747  1.39215257
Mortgage             0.091792707  0.09034861  0.08888558  0.08741389
Securities.Account1 -0.461509095 -0.48684754 -0.51248865 -0.53839191
CD.Account1          2.347758347  2.40347204  2.45950307  2.51581815
Online1             -0.094153965 -0.10186883 -0.10967734 -0.11756306
CreditCard1         -0.560589664 -0.58399993 -0.60741360 -0.63079614
coef(ridge.fit)[,100]                            # 100번째 람다 값에 대한 회귀계수 추정치
        (Intercept)                 Age          Experience 
        -4.23556904          0.02295478          0.01332046 
             Income            ZIP.Code             Family2 
         1.36385965          0.07253261         -0.39687351 
            Family3             Family4               CCAvg 
         0.88591401          0.77239564          0.37437932 
         Education2          Education3            Mortgage 
         1.41308180          1.39215257          0.08741389 
Securities.Account1         CD.Account1             Online1 
        -0.53839191          2.51581815         -0.11756306 
        CreditCard1 
        -0.63079614 

Caution! \(\lambda\)는 모형이 Training Dataset에 과적합 되는 것을 방지하기 위해 사용하는 모수이며, 교차 검증(Cross Validation)을 통해 최적의 값을 찾을 수 있다. 이러한 방법은 package "glmnet"에서 제공하는 함수 cv.glmnet()을 통해 수행할 수 있으며, 함수에 대한 자세한 옵션은 여기를 참고한다.

set.seed(200)                                          # Seed 고정 -> 동일한 결과를 출력하기 위해
cv.ridge.fit <- cv.glmnet(x = train.x,                 # 예측 변수를 포함하는 행렬
                          y = UB.trd$Personal.Loan,    # Target
                          family = "binomial",         # Binary Classification
                          alpha = 0,                   # 0 : Ridge / 1 : Lasso / 0 < alpha < 1 : Elastic Net
                          nfolds = 5,                  # 5-Fold Cross Validation
                          type.measure = "auc")        # AUC에 기반하여 최적의 람다 값 찾기
plot(cv.ridge.fit)                                     # Plot

Result! 100개의 \(\lambda\) 값에 대한 AUC의 변화를 보여준다.
Caution! 만약 \(\lambda\) 값에 대해 직접 후보 값을 지정하고 싶으면 함수 cv.glmnet()의 옵션 lambda = 후보 값을 이용하면 된다.

cv.ridge.fit$lambda.min                                   # 최적의 람다 값
[1] 0.01917393
max(cv.ridge.fit$cvm)                                     # 최적의 람다 값에 대한 AUC
[1] 0.9600085
round(coef(cv.ridge.fit, s = cv.ridge.fit$lambda.min), 3) # 최적의 람다 값에 대한 회귀계수 추정치
16 x 1 sparse Matrix of class "dgCMatrix"
                        s1
(Intercept)         -4.081
Age                  0.019
Experience           0.011
Income               1.286
ZIP.Code             0.069
Family2             -0.388
Family3              0.820
Family4              0.715
CCAvg                0.372
Education2           1.300
Education3           1.277
Mortgage             0.090
Securities.Account1 -0.487
CD.Account1          2.403
Online1             -0.102
CreditCard1         -0.584

Result! 최적의 \(\lambda\) 값에 대해 추정된 회귀계수를 이용하여 다음과 같은 모형식을 얻을 수 있다. \[ \begin{align*} \log{\frac{p}{1-p}} = &-4.081 + 0.019 Z_{\text{Age}} + 0.011 Z_{\text{Experience}} + 1.286 Z_{\text{Income}} \\ &+0.069 Z_{\text{ZIP.Code}}-0.388 X_{\text{Family2}} + 0.820 X_{\text{Family3}} + 0.715 X_{\text{Family4}} \\ &+ 0.372 Z_{\text{CCAvg}} + 1.300 X_{\text{Education2}} + 1.277 X_{\text{Education3}} + 0.090 Z_{\text{Mortgage}} \\ &-0.487 X_{\text{Securities.Account1}} + 2.403 X_{\text{CD.Account1}} -0.102 X_{\text{Online1}} -0.584 X_{\text{CreditCard1}} \end{align*} \]


7. 모형 평가

Caution! 모형 평가를 위해 Test Dataset에 대한 예측 class/확률 이 필요하며, 함수 predict()를 이용하여 생성한다.
# 예측 class 생성
test.ridge.class <- predict(cv.ridge.fit, 
                            newx = test.x,             # Test Dataset including Only 예측 변수 
                            s = "lambda.min",          # 최적의 람다 값 기반
                            type = "class")            # 예측 class 생성


test.ridge.class %>%                                      
  as_tibble
# A tibble: 749 × 1
   lambda.min
   <chr>     
 1 no        
 2 no        
 3 no        
 4 no        
 5 no        
 6 no        
 7 no        
 8 no        
 9 no        
10 no        
# ℹ 739 more rows


7-1. ConfusionMatrix

CM   <- caret::confusionMatrix(as.factor(test.ridge.class), UB.ted$Personal.Loan, 
                               positive = "yes")       # confusionMatrix(예측 class, 실제 class, positive = "관심 class")
CM
Confusion Matrix and Statistics

          Reference
Prediction  no yes
       no  669  39
       yes   4  37
                                          
               Accuracy : 0.9426          
                 95% CI : (0.9234, 0.9581)
    No Information Rate : 0.8985          
    P-Value [Acc > NIR] : 1.196e-05       
                                          
                  Kappa : 0.6043          
                                          
 Mcnemar's Test P-Value : 2.161e-07       
                                          
            Sensitivity : 0.48684         
            Specificity : 0.99406         
         Pos Pred Value : 0.90244         
         Neg Pred Value : 0.94492         
             Prevalence : 0.10147         
         Detection Rate : 0.04940         
   Detection Prevalence : 0.05474         
      Balanced Accuracy : 0.74045         
                                          
       'Positive' Class : yes             
                                          


7-2. ROC 곡선

# 예측 확률 생성
test.ridge.prob <- predict(cv.ridge.fit, 
                           newx = test.x,              # Test Dataset including Only 예측 변수 
                           s = "lambda.min",           # 최적의 람다 값 기반
                           type = "response")          # 예측 확률 생성


test.ridge.prob %>%                                    # "Personal.Loan = yes"에 대한 예측 확률                           
  as_tibble
# A tibble: 749 × 1
   lambda.min
        <dbl>
 1    0.00819
 2    0.0239 
 3    0.00692
 4    0.00373
 5    0.0257 
 6    0.0159 
 7    0.0504 
 8    0.114  
 9    0.0914 
10    0.0458 
# ℹ 739 more rows
ac  <- UB.ted$Personal.Loan                            # Test Dataset의 실제 class 
pp  <- as.numeric(test.ridge.prob)                     # 예측 확률을 수치형으로 변환

1) Package “pROC”

pacman::p_load("pROC")

ridge.roc  <- roc(ac, pp, plot = T, col = "gray")      # roc(실제 class, 예측 확률)
auc        <- round(auc(ridge.roc), 3)
legend("bottomright", legend = auc, bty = "n")

Caution! Package "pROC"를 통해 출력한 ROC 곡선은 다양한 함수를 이용해서 그래프를 수정할 수 있다.

# 함수 plot.roc() 이용
plot.roc(ridge.roc,   
         col="gray",                                   # Line Color
         print.auc = TRUE,                             # AUC 출력 여부
         print.auc.col = "red",                        # AUC 글씨 색깔
         print.thres = TRUE,                           # Cutoff Value 출력 여부
         print.thres.pch = 19,                         # Cutoff Value를 표시하는 도형 모양
         print.thres.col = "red",                      # Cutoff Value를 표시하는 도형의 색깔
         auc.polygon = TRUE,                           # 곡선 아래 면적에 대한 여부
         auc.polygon.col = "gray90")                   # 곡선 아래 면적의 색깔

# 함수 ggroc() 이용
ggroc(ridge.roc) +
annotate(geom = "text", x = 0.9, y = 1.0,
label = paste("AUC = ", auc),
size = 5,
color="red") +
theme_bw()

2) Package “Epi”

pacman::p_load("Epi")       
# install_version("etm", version = "1.1", repos = "http://cran.us.r-project.org")

ROC(pp, ac, plot = "ROC")                              # ROC(예측 확률, 실제 class)  

3) Package “ROCR”

pacman::p_load("ROCR")

ridge.pred <- prediction(pp, ac)                       # prediction(예측 확률, 실제 class) 

ridge.perf <- performance(ridge.pred, "tpr", "fpr")    # performance(, "민감도", "1-특이도")                      
plot(ridge.perf, col = "gray")                         # ROC Curve

perf.auc   <- performance(ridge.pred, "auc")           # AUC
auc        <- attributes(perf.auc)$y.values
legend("bottomright", legend = auc, bty = "n")


7-3. 향상 차트

1) Package “ROCR”

ridge.perf <- performance(ridge.pred, "lift", "rpp")   # Lift Chart                      
plot(ridge.perf, main = "lift curve",
     colorize = T,                                     # Coloring according to cutoff 
     lwd = 2) 

Reuse

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