R Studio, decision tree, tree interpretation

Content Type

User Generated

User

Wbbcf350

Subject

Mathematics

Description

Assignment Instructions

Scenario: You work for an insurance company that has many policy holders, and many agents who sell insurance to new customers every day. You have been asked to use historical data about past and current policy holders to build a decision tree that will be used by sales agents to determine the insurability of potential new clients. You will use two data sets to do this.

The Policy Holders data set contains information about current and past auto insurance customers, such as whether or not they have a claim or ticket in the past 12 months, an accident in the past 36 months, how they pay for their policy, their gender and marital status, and the level of activity associated with their insurance account (this is Low, Moderate or High based on frequency of changes to the policy, frequency of late or partial payments, and other similar account activity). Note that the only variable in the Policy Holders data set that is not also in the Policy Buyers data set is Insurance Category variable. This is the dependent variable that you will predict using a decision tree model.

For the Policy Holders, you have the benefit of hindsight since your company did sell auto insurance policies to all of the people in this data set, and looking back on their activity as policy holders, they have each been assigned one of Insurance Category values: Insure-Best Terms, Insure-Risk Terms, Insure-High Premium, or Do Not Insure.

The “Best Terms” customers are those who have paid their premiums and had no or few claims that have cost your company money. They are the lowest risk customers.

The “Risk Terms” customers have been good for your company, but have had a few claims or incidents that have cost the company money. They are still a good risk for the company, but may have slightly higher premiums or lower coverage amounts in order to account for the higher risk to the company.

The “High Premium” customers are those who have had a number of claims or other problems that have cost the company money (e.g., maybe they have not always paid their premiums on time or in full), but still have been worth insuring as long as they paid higher premiums than most of the other customers. They represent a higher risk for the company, and therefore must be sold policies at higher premiums and lower coverage.

The “Do Not Insure” customers are those who have filed too many claims and/or claims that have cost more than what they have paid in premiums; or who have been unreliable in paying their premiums to the point where they cost the company more money than they pay in, and are therefore not a good risk for the company. They may have had their policies cancelled by the company due to excessive risk that the company cannot bear.

Complete the following steps:

Download the PolicyHolders.csv and PolicyBuyers.csv files from Course Documents. In a Word document create a cover page for your Assignment, then provide evidence that you have imported both of these data sets into R with appropriate names.
Use the rpart function in R to create a decision tree model for the Insurance Category dependent variable. Do not forget to load library(rpart). Provide evidence in Word that you have created the model.
Using summary(<yourtreename>), identify the three most important independent variables used to predict Insurance Category. In Word, show evidence of the three top independent variables. Write a short explanation of your findings.
Use Tools > Install Packages in the R Studio application menu to install the rpart.plot package. Once installed, load this package using library(rpart.plot). Then, use the prp function to visualize your decision tree. You may need to resize the Plots window in the lower right part of your R Studio application to make the tree large enough to read. In your prp function, include the following parameters: extra=4, faclen=0, varlen=0, cex=.75. The extra parameter includes the confidence percentages in each leaf of your tree; faclen causes the independent variable names to be spelled out in the tree; varlen causes the dependent variable values to be spelled out in the tree, and cex sets the font size (you can experiment with this if you would like). In your Word document, include a screen capture of your visualized decision tree. Write a short explanation of how the percentages in each tree leaf would be interpreted.
Make predictions for each of the policy buyers by applying your decision tree model the Policy Buyers data set. When using the predict function in R, be sure to include the parameter type=”class” so that you will generate an Insurance Category for each policy buyer. Using the Filter feature in R Studio, report the number of policy buyers that you predict will fall into each of the four categories. Be sure to label these clearly in your Word document. If you have done this step correctly, the numbers predicted for each category should total to 473, which is the number of records in the Policy Buyers data set.
Conduct research about how the insurance industry uses analytics to manage risk as they insure their customers. Write a brief summary of your research (1–2 paragraphs) discussing how the insurance industry uses analytics. Be sure to include discussion of both legal and ethical ramifications for the industry in their use of analytics. Cite your sources both in the text and in a references page.

Screen shots need to be included for each step in R Studio.

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M M F F M M M M F F M M F F M M F M M M F M F M M F M M M M 39 63 52 18 20 53 30 26 52 51 17 62 48 65 29 31 33 49 25 49 18 21 18 37 30 27 49 17 35 41 30 24 50 38 33 57 19 31 16 18 27 64 17 23 37 37 46 S S M M M M S M M S M M M M M S M M M S M M M S M S S M S S S S S M M S M S S M M M S M M S M High High High High High High High High High High High Moderate High High High High High Moderate High High Low Low High High Low High High High High Moderate High High High High Moderate High High High Moderate High High High High Low Moderate High Moderate Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes No No No No Yes Yes Yes No No Yes Yes Yes Yes No Yes Yes Yes No Yes No No No Yes No Yes Yes No No Yes Yes No Yes No No No No Yes Yes No Yes Yes No No No No No No No No No No No No No No No No No No Yes No No Yes No Yes No No No No No No No No No No 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High High Low Moderate Moderate High High High High High Moderate High High Moderate Moderate High High High High Moderate Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes No Yes No Yes Yes No Yes No No No No Yes Yes Yes Yes No No No Yes Yes No Yes Yes No Yes No Yes No Yes Yes Yes Yes Yes Yes No Yes Yes Yes No No No No Yes No No No No No No No No No No No No No Yes No No No No Yes Yes Yes No No No Yes No No Yes Yes No No Yes No No Yes Yes No No No No Yes No No No No Yes Yes No No No Yes No No No No No Yes Yes No No No Yes Yes Yes No Yes No Yes No No No No Yes Yes No No Yes No No No No No Yes No No No Yes Yes No No Yes Yes 45505 89822 27135 88479 M F M M 29 19 16 48 S M M M Moderate High High High Yes Yes Yes Yes Yes No Yes Yes No No No No No No Yes No Payment_Method Web Payment Monthly Billing Bank Transfer Bank Transfer Web 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No No No S High Yes No No Yes M Moderate Yes No No No S Moderate Yes Yes Yes No M High Yes No No Yes M High Yes No No No M Moderate No No No No S High Yes No No Yes M High No Yes Yes Yes M High Yes Yes No No M High Yes No No Yes S High Yes Yes Yes Yes S High Yes No No Yes S High Yes No Yes Yes S Moderate Yes No No No S High Yes Yes Yes No M High Yes No Yes No M High Yes Yes No Yes M High Yes No No No M High No No No No M High Yes Yes No No S Moderate Yes No No Yes S High Yes Yes No Yes M High Yes Yes Yes Yes M High No Yes No No S High Yes Yes Yes Yes S High Yes No No Yes M Moderate Yes Yes No No M High Yes No No Yes M High Yes Yes No No M High Yes Yes No Yes S High Yes Yes No Yes S High No No No Yes M High Yes Yes No No S High Yes Yes No Yes 7117 6974 5928 6415 3505 5108 9895 2670 8231 5429 8951 7488 3514 4303 9547 5666 3960 4177 4838 9939 2586 7688 3243 1153 1596 6775 5524 9092 4850 9058 4766 3170 1858 9327 9252 5071 7333 8184 4148 8747 9201 7500 8666 6498 6014 3377 7464 F M M F M F F F M M F F M F F F F M F M M M M M F F M F M F F M F M M M F M M F F F M F F F F 36 20 17 57 34 22 24 23 26 46 34 60 27 64 19 60 45 63 29 45 58 16 37 65 32 32 59 33 19 65 55 20 26 55 34 46 41 45 55 56 41 38 47 21 65 63 23 M M M M S M M M M M S S S S M M M S S M S S M S M M M S M M S M M S M S M M M M M M M M M S S High High High High High Low Low Moderate High High High High Moderate High Low Moderate Moderate Moderate High Moderate High Moderate High High Low High High High Moderate High High High Moderate High High High Moderate Moderate High Moderate High Moderate High High High High High Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes No Yes Yes No Yes Yes Yes Yes Yes Yes No No Yes No No Yes No No No Yes Yes Yes No No No Yes Yes Yes Yes Yes No Yes Yes Yes No Yes No No Yes No Yes No Yes No Yes No No No Yes Yes Yes No No No Yes No No No Yes No Yes No No No No No No No No No No No No 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Moderate High High High Moderate High High High Moderate High Moderate Moderate High High High Low High Moderate Moderate High High Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes No Yes Yes No Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes No Yes Yes Yes Yes Yes Yes Yes No No Yes Yes Yes Yes No No Yes Yes No No No Yes Yes No Yes No No Yes Yes Yes No No No No No No Yes No No Yes Yes Yes No Yes Yes No Yes Yes Yes No No No Yes No No No Yes No No No No No No No No No No No Yes No No No No No No No No Yes Yes No No No Yes No No No No No No No No Yes No Yes No Yes Yes Yes No No No Yes No No Yes Yes No No Yes No Yes Yes Yes No No No No Yes Yes Yes No Yes Yes No No Yes Yes Yes No No Yes No Yes No No No Yes No No No No No Yes Yes Yes Yes No Yes 9461 6695 9716 3873 3027 1588 9793 7481 8002 7615 3715 3518 1388 4833 7365 8431 8722 3712 1530 9492 3432 3793 3235 1654 6147 6266 9303 3777 5379 2181 9114 2983 4228 6633 1181 2636 7666 4393 4897 1042 2525 9829 8960 9310 6118 9396 6813 F M M M M F F M F M M F F F M F M M M M M M M M F M F F M F M F M M F M M F M M F F M M F M F 32 24 57 28 63 17 27 64 27 26 56 60 23 42 58 23 49 26 16 22 45 27 37 47 50 29 48 34 17 29 18 32 39 49 29 47 32 53 48 19 42 56 54 28 21 53 19 S S S S M M M M S S M S M S M M M M M M S M S S M S S S S S S M S M S M M S S M M M M S M S M High Moderate Moderate Low Moderate High Moderate High Moderate High High High High High Moderate High High Low High Moderate High High Moderate High Low High High High Moderate Moderate High Moderate High High High Moderate High High Moderate High High High High Moderate Moderate High High Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No No No Yes No No Yes Yes Yes No No No Yes Yes No Yes Yes No No Yes Yes Yes No Yes Yes No Yes No Yes No No Yes Yes No Yes Yes Yes No Yes No Yes No No Yes Yes Yes No No No No Yes Yes No No No No No No Yes No Yes Yes No No No No No Yes No Yes No No Yes Yes Yes No Yes No No No No Yes No No No No No No No No No No Yes Yes Yes No Yes No No Yes No Yes No Yes No Yes Yes Yes Yes No No No No No Yes Yes Yes Yes Yes No No Yes No Yes Yes Yes Yes Yes No Yes No No Yes Yes No Yes Yes Yes Yes 4673 6696 2289 2785 9067 4420 9389 4662 3489 6071 5758 3126 5976 4554 9769 3953 1886 9770 8160 5811 8807 3500 1774 9284 4298 9317 9415 5955 4671 6214 4168 2791 1303 3245 1555 2498 2197 2132 7407 5902 8029 6765 4448 3981 7796 1670 5464 F F F M M F M M F M M M M M F M M M M F M M M M F F F M M F F F M F F M F M M M F M M F M M F 31 18 33 48 48 54 37 25 21 18 16 59 39 53 36 36 36 25 39 36 52 24 18 60 46 21 61 42 31 18 38 18 41 32 30 20 22 36 36 65 54 41 39 49 38 34 44 M M S S M M S S M M M M S M S S S S S S M S M S S M S M S S S M S S S M M M M M M S M S M M S High Moderate High High High High Moderate High High High Moderate Moderate High Moderate Moderate High Low High High High High High High High Low Low High High Moderate High High Low High High High High High Moderate High High High High Low High Moderate Low Moderate Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes No Yes Yes Yes No Yes No Yes No Yes No Yes No Yes Yes No No Yes No Yes Yes Yes Yes Yes Yes No Yes Yes Yes No No Yes No Yes No Yes No No Yes Yes No No No No No No Yes No No No No No No No Yes No No No No No No Yes No No No No No No No No Yes Yes No No No No Yes No Yes No No No No No No No Yes Yes No No No No Yes Yes No No No No Yes Yes Yes Yes Yes Yes No Yes Yes No Yes No No No No Yes Yes Yes Yes Yes Yes No No No Yes No Yes Yes Yes Yes No Yes No No Yes No No Yes No Yes No 2186 4217 7734 6589 1367 6276 1807 6206 2848 3477 1337 1732 6141 5800 8820 3647 8662 8623 2791 8249 4302 3209 8345 8014 4169 6180 2619 9767 2765 9202 9899 1645 7708 9232 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No Yes Yes No No Yes Yes Yes No No Yes No Yes Yes No No No No No No Yes Yes No No No No No Yes Yes Yes No Yes No No No No No No Yes No No Yes No No No No No No No Yes No No No No No No No No No No No No Yes Yes No Yes No No No Yes Yes No Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No No No Yes Yes No Yes No Yes No No No Yes No No No No No No Yes Yes No No No 6560 9024 9646 6810 8649 9825 6327 1550 2314 7612 1164 7595 5671 8332 5953 4443 3732 6715 2490 2955 6040 2884 1763 6669 3325 8964 9434 5301 7310 3387 7036 6338 1410 4301 2956 7673 5243 6877 6871 8343 2661 1314 2848 1129 3211 1681 5368 M F F F M F M M M F M M F F F M M M F F F F F F M M F M F M M M M M F F F F F F F M F M M M F 34 50 56 27 25 40 40 48 30 41 29 28 57 21 56 27 30 34 38 17 23 43 47 36 32 31 31 35 25 38 29 40 27 23 28 31 34 53 27 45 31 17 50 23 28 64 25 S M M S S M S M M M S S M S M M M S M M S M M M S S S M M M S M M M S M S S M M S S S S S S S Low Moderate High High Moderate Moderate High Moderate Moderate Moderate Moderate High High Low Moderate Low Moderate Moderate Moderate Moderate High High High High Moderate High Moderate High High High High High Moderate High High Moderate High High Moderate High High Moderate High High High High High Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes No Yes Yes Yes No No No No No No Yes No No Yes No Yes No No No No No Yes Yes No Yes No No Yes Yes No No Yes No No Yes Yes No No No Yes Yes No Yes Yes Yes No No No No No No No No No No No No No No No No No No Yes Yes No No No Yes No No No No Yes No No No No No No No No Yes No No Yes Yes No No No Yes No Yes Yes No Yes No Yes No No No No No Yes No No Yes Yes Yes Yes Yes No No No Yes Yes No No Yes Yes Yes No No No No Yes No Yes No No No No No No Yes Yes Yes Yes Yes No No 7323 7039 4715 7730 8559 3532 8475 9204 1737 5435 2255 8159 7507 4634 8140 4854 9726 3834 8860 5568 2966 4629 9220 6525 4145 4614 3581 8010 4639 8324 4616 7273 7573 8991 5205 3814 8232 2987 9288 3022 3733 9981 1709 5938 8331 7631 1159 M M M M M M M M M M F M F M M M F F M F M M F F M M M F M M F F M M M F M F F M F M M M M F F 60 52 21 41 24 26 58 21 39 33 48 59 45 41 48 21 19 62 61 44 25 33 52 48 43 24 55 59 22 19 38 29 23 60 51 59 31 50 35 22 28 19 41 21 21 47 26 M M S S M S M S M S M M M S S M S S S M M M M M M M M M M M M S S S S M S M M M S S S M M S M High High High High High Moderate Moderate High High High High High Moderate High High High Moderate Moderate High High High Moderate Moderate High Moderate High Moderate High High High High High High Moderate High High Low High High Low High High High High High Low Low Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes No Yes Yes Yes Yes Yes No No Yes Yes No No Yes Yes No No Yes Yes No Yes No Yes Yes Yes No No Yes Yes No Yes No Yes Yes No No Yes No No No Yes No No No Yes No No Yes Yes Yes No Yes No No No No No No No No No No No No Yes No No No No Yes No Yes No Yes No No No No Yes Yes No No No No No No Yes No No Yes No No No No Yes Yes No No Yes No No No Yes Yes Yes No Yes No No No Yes No Yes Yes Yes No Yes Yes No Yes No No Yes No Yes Yes Yes No No Yes Yes Yes No Yes No No Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes 7918 8437 8180 4148 4438 7065 9723 9939 1210 8591 3384 6117 7683 5759 6260 4921 3736 9458 1779 4633 8916 2542 3530 5465 7465 7371 6377 7915 8580 2769 8545 9598 9096 7264 4824 1743 6546 6865 2308 1302 8989 6016 3616 9673 2488 1890 2968 F M M M F M M M F M F M F M F M M F M F M F M F M M M F F F M M M M M M M F M M F M M M F F M 25 51 26 62 19 48 63 22 32 34 61 62 40 25 39 45 56 56 36 20 28 63 31 49 27 57 63 57 53 30 58 16 65 31 52 22 37 17 65 65 44 33 52 55 46 25 44 M M M M S M S S S S S M M M S M S S S S S M M M M M S M M S M M M M S M M M M M M S S S S S S Low High High High High High High High High Moderate Moderate High High High Low High High High High Low Moderate High High Moderate High Moderate Moderate High High High High Moderate High Low High High High High High High High High High High High Moderate Low Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No No Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes No No Yes Yes Yes Yes No No No Yes Yes Yes Yes Yes No No Yes Yes No Yes No No No Yes No No Yes Yes Yes Yes No Yes No No No Yes No No No No Yes No No No Yes Yes Yes No No No Yes No No No Yes No Yes Yes No No No No Yes Yes Yes No Yes No No Yes No No No No No Yes Yes No No No No Yes No No No No No No No No No No No No Yes Yes No Yes Yes No No Yes Yes Yes Yes Yes No No Yes Yes Yes No Yes Yes No Yes No Yes Yes No Yes No Yes Yes No No Yes Yes Yes Yes No Yes No No No No No No No No Yes 2840 5882 7123 4981 2525 6530 5711 2966 1070 4148 8123 9559 5880 6637 4382 8250 5898 5857 9764 8493 9781 4943 4526 8062 6775 7324 6049 8283 3565 2270 4896 4620 1845 5999 9287 7571 3586 5938 1690 5446 4532 7674 4866 1367 1881 9440 1045 F F F M M F M F M M F M F M M F F M F M M F F M M M F M M F F F M M M F M M M F F F F F F F F 45 60 29 20 30 37 23 47 49 20 51 30 55 22 40 46 56 48 38 16 45 18 18 62 21 62 25 41 59 28 37 50 31 41 47 54 46 62 61 53 35 36 45 41 36 35 45 S M M M S M M M M M S S M M S S M M M M S S S M S M M S S M M S S M M M S S S M M M M M S S M High Moderate High Moderate Low Moderate Moderate High High High High High High Low High High High Moderate High High High High Low Moderate Moderate High Low High High Low High Moderate Low Moderate High Low High High Moderate High High High Moderate High Low High High Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes No No Yes No No No No Yes Yes No No No No Yes Yes Yes Yes Yes No No No No Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No No Yes Yes No Yes No Yes No Yes No Yes No No No Yes No No No Yes No No No No No No No Yes No No No No No No No No No No No No No Yes No No No No Yes No No No No No Yes No Yes No No Yes No Yes Yes Yes No Yes No Yes Yes Yes No No Yes Yes No Yes Yes Yes No No No No Yes Yes Yes No Yes No Yes No No No Yes No Yes Yes Yes Yes No No No No No Yes No No 6033 1297 6536 9051 6581 6452 9397 4635 1689 2421 1906 5177 3479 4304 5997 3280 1341 1850 6053 3309 9745 1620 5408 2569 3982 5599 8336 5219 8476 3965 5970 5744 9764 3347 8755 3863 8360 7230 4063 5802 6223 4505 4490 1036 8834 7052 7870 M F M M F F M F M F F M M M F M F M F M M F M F M F M F M M M M F F M F F F F M M F M F M M F 49 59 47 63 43 38 27 56 18 61 59 28 66 42 18 38 60 23 31 20 41 18 21 42 63 25 35 49 62 40 26 59 43 42 25 46 48 44 61 53 30 65 24 38 29 39 23 S S M M M M M M M M M M S S M S M M M M M M M S S S M S M M M M M M M S M M M S M M M S M M M Moderate High Low Moderate High High High Moderate High High High High High Moderate High High High High Low High Moderate High Low High High High High Moderate High High High High Moderate High Low Moderate High High High Moderate High Moderate Low High High High High Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No No Yes No Yes No No No No No Yes No Yes No No No Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes No No Yes Yes No No No No No No Yes Yes No Yes Yes No Yes No No No No No Yes Yes No No No No No No No No No No No Yes Yes No No Yes No No No No Yes Yes Yes No Yes No No No No No No No No Yes No Yes No No No No No No Yes Yes Yes Yes Yes Yes Yes No No Yes Yes Yes No No Yes Yes No No No Yes Yes Yes No No No No Yes No Yes No Yes Yes No No Yes Yes Yes No No Yes Yes Yes Yes No Yes 2876 4972 2080 9516 4625 2167 5078 7871 6931 9820 1815 5259 8693 4847 1701 3453 5167 9332 8322 8830 8092 3081 8451 3255 9478 9111 3807 5550 7905 8395 2609 8760 7101 2301 7526 7695 7258 3454 7352 5397 2556 3741 8884 9870 3429 9130 8860 M M F M F M F M M M F M F M M M M F F F F F M F M F F M F M F M M F M M F M M F F M M F M F F 41 56 48 27 27 59 46 30 24 25 20 18 35 25 50 39 61 40 54 51 52 62 47 50 29 48 34 17 29 18 32 39 49 29 47 32 53 48 19 42 56 54 28 21 53 19 31 M S S S M M M M M M M M S S M M M S M S M S S M S S S S S S M S M S M M S S M M M M S M S M M High High Moderate High High High High High High High Low High High Moderate Moderate High High Low High Moderate High High High Low High High High Moderate Moderate High Moderate High High High Moderate High High Moderate High High High High Moderate Moderate High High High Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes No No No No No Yes Yes No Yes Yes Yes Yes No Yes No No Yes Yes No No Yes No Yes Yes No Yes No Yes No No Yes Yes No Yes Yes Yes No Yes No Yes No No Yes Yes No No No No No No No Yes No No No Yes No No No No No No No No No No Yes No Yes No No Yes Yes Yes No Yes No No No No Yes No No No No No No No No No No No No No No No No Yes Yes No Yes Yes Yes No No No No Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes No No Yes No Yes Yes Yes Yes Yes No Yes No No Yes Yes No Yes Yes Yes Yes Yes 5016 6950 7565 4686 8122 9455 4625 2524 8508 8191 7415 3721 8486 4314 4388 1167 2887 9926 1225 8372 8009 9321 7041 1595 9768 4299 4757 1643 6625 6711 2310 7793 1003 3736 8773 9515 9024 8245 7054 7790 8466 1202 9076 2273 2749 9262 3381 F F M M F M M F M M M M M F M M M M F M M M M F F F M M F F F M F F M F M M M F M M F M M F M 18 33 48 48 54 37 25 21 18 16 59 39 53 36 36 36 25 39 36 52 24 18 60 46 21 61 42 31 18 38 18 41 32 30 20 22 36 36 65 54 41 39 49 38 34 44 25 M S S M M S S M M M M S M S S S S S S M S M S S M S M S S S M S S S M M M M M M S M S M M S M Moderate High High High High Moderate High High High Moderate Moderate High Moderate Moderate High Low High High High High High High High Low Low High High Moderate High High Low High High High High High Moderate High High High High Low High Moderate Low Moderate Low Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes No Yes Yes Yes No Yes No Yes No Yes No Yes No Yes Yes No No Yes No Yes Yes Yes Yes Yes Yes No Yes Yes Yes No No Yes No Yes No Yes No No Yes Yes No No No No No Yes Yes No No No No No No No Yes No No No No No No Yes No No No No No No No No Yes Yes No No No No Yes No Yes No No No No No No No Yes Yes No No No No No Yes No No No No Yes Yes Yes Yes Yes Yes No Yes Yes No Yes No No No No Yes Yes Yes Yes Yes Yes No No No Yes No Yes Yes Yes Yes No Yes No No Yes No No Yes No Yes No Yes 9777 1883 2918 4454 4211 3109 3672 6156 7674 9416 1985 9509 3818 2544 7823 3342 4653 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