WK2 - Credit Risk Data

Credit Risk Data Loan Purpose Checking Savings Months CustomerMonths Employed Gender Marital Status Age Small Appliance $0 $739 13 12 M Single 23 Furniture $0 $1,230 25 0 M Divorced 32 New Car $0 $389 19 119 M Single 38 Furniture $638 $347 13 14 M Single 36 Education $963 $4,754 40 45 M Single 31 Furniture $2,827 $0 11 13 M Married 25 New Car $0 $229 13 16 M Married 26 Business $0 $533 14 2 M Single 27 Small Appliance $6,509 $493 37 9 M Single 25 Small Appliance $966 $0 25 4 F Divorced 43 Business $0 $989 49 0 M Single 32 New Car $0 $3,305 11 15 M Single 34 Business $322 $578 10 14 M Married 26 New Car $0 $821 25 63 M Single 44 New Car $396 $228 13 26 M Single 46 Used Car $0 $129 31 8 M Divorced 39 Furniture $652 $732 49 4 F Divorced 25 New Car $708 $683 13 33 M Single 31 Repairs $207 $0 28 116 M Single 47 Education $287 $12,348 7 2 F Divorced 23 Furniture $0 $17,545 34 16 F Divorced 22 Furniture $101 $3,871 13 5 F Divorced 26 Furniture $0 $0 25 23 M Married 19 Furniture $0 $485 37 23 F Divorced 27 New Car $0 $10,723 11 15 M Single 39 Business $141 $245 22 33 M Single 26 Used Car $0 $0 19 58 M Single 50 Used Car $2,484 $0 49 46 M Single 34 Small Appliance $237 $236 37 24 M Single 23 Small Appliance $0 $485 19 12 M Single 23 Education $335 $1,708 37 7 M Single 46 Small Appliance $3,565 $0 31 32 M Single 35 Small Appliance $0 $407 13 2 F Divorced 28 Business $16,647 $895 16 34 M Single 25 Business $0 $150 49 46 F Divorced 36 Small Appliance $0 $490 5 41 M Single 41 Furniture $0 $162 25 1 M Divorced 54 Small Appliance $940 $715 9 40 F Divorced 43 Small Appliance $0 $323 49 42 M Married 33 New Car $0 $128 13 74 M Single 34 Other $218 $0 49 0 M Single 39 Used Car $0 $109 25 26 M Single 34 Small Appliance $16,935 $189 37 60 M Single 30 Furniture $664 $537 31 33 M Single 48 Furniture $150 $6,520 12 1 F Divorced 19 Small Appliance $0 $138 7 119 M Married 29

Furniture $216 $0 19 3 F Divorced 26 New Car $0 $660 17 75 M Single 42 Business $0 $724 25 8 M Single 30 Small Appliance $0 $897 19 5 M Married 38 Small Appliance $265 $947 25 5 M Married 21 Furniture $4,256 $0 16 36 F Divorced 32 Business $870 $917 28 6 M Single 35 New Car $162 $595 22 10 M Divorced 46 Used Car $0 $789 25 28 M Single 37 Education $0 $0 37 114 M Single 39 Furniture $0 $746 13 16 F Divorced 29 New Car $461 $140 19 32 M Single 27 New Car $0 $659 19 5 F Divorced 22 Furniture $0 $717 37 60 M Single 40 New Car $0 $667 29 10 M Single 44 New Car $580 $0 11 8 M Single 26 Small Appliance $0 $763 13 46 F Divorced 57 New Car $0 $1,366 19 17 M Single 34 Small Appliance $0 $552 25 4 M Married 47 Small Appliance $0 $14,643 16 115 M Single 46 Business $758 $2,665 13 31 M Single 38 Used Car $399 $0 31 0 F Divorced 52 Furniture $513 $442 7 0 M Single 34 Furniture $0 $8,357 25 5 M Single 29 New Car $0 $0 22 9 M Single 39 Small Appliance $565 $863 10 81 M Single 36 Business $0 $322 28 28 M Single 25 Furniture $0 $800 13 69 M Single 59 Small Appliance $0 $656 37 85 M Single 27 New Car $166 $922 13 2 F Divorced 24 Business $9,783 $885 13 3 F Divorced 25 Business $674 $2,886 49 32 M Single 29 Repairs $0 $626 43 0 M Single 64 Business $15,328 $0 25 9 M Single 31 New Car $0 $904 12 6 M Single 38 Education $713 $784 61 17 M Single 41 New Car $0 $806 19 3 F Divorced 22 Education $0 $3,281 19 20 F Divorced 29 New Car $0 $759 16 59 M Single 32 Small Appliance $0 $680 25 3 F Divorced 34 Used Car $0 $104 37 25 M Single 23 Small Appliance $303 $899 13 3 M Single 21 Small Appliance $900 $1,732 37 11 F Divorced 49 Furniture $0 $706 31 14 M Divorced 31 Education $1,257 $0 10 65 F Divorced 40 Small Appliance $0 $576 7 14 F Divorced 28 Repairs $273 $904 7 2 M Married 21 Business $522 $194 25 79 M Divorced 30 Small Appliance $0 $710 25 1 F Divorced 37

Business $0 $265 13 10 F Divorced 26 Repairs $0 $609 31 3 M Divorced 33 Small Appliance $0 $1,851 12 0 F Divorced 56 Furniture $192 $199 25 5 F Divorced 24 New Car $0 $500 28 7 F Divorced 20 New Car $0 $509 16 3 M Single 35 Used Car $0 $270 25 25 M Single 34 New Car $0 $457 13 63 M Single 38 Used Car $0 $260 25 78 M Single 34 New Car $942 $3,036 25 36 M Single 37 Small Appliance $0 $643 19 6 M Single 31 New Car $3,329 $0 19 15 M Single 67 Used Car $0 $6,345 25 19 M Single 26 Education $0 $922 37 9 F Divorced 24 Furniture $0 $909 25 3 M Single 21 Large Appliance $0 $775 19 8 M Married 46 Furniture $0 $979 25 48 M Single 22 Furniture $0 $948 19 2 F Divorced 20 Business $339 $2,790 22 55 M Divorced 60 Used Car $0 $309 49 37 M Single 25 Small Appliance $0 $762 10 1 F Divorced 21 Small Appliance $0 $970 13 14 F Divorced 22 Used Car $105 $320 28 54 M Single 29 Small Appliance $0 $861 13 111 M Single 56 Repairs $216 $262 37 2 M Single 32 Furniture $113 $692 11 14 M Divorced 30 Used Car $109 $540 37 1 M Married 27 New Car $0 $470 13 0 F Divorced 37 New Car $0 $192 7 2 M Single 39 New Car $8,176 $12,230 7 5 M Married 26 Repairs $0 $772 25 19 M Divorced 32 Furniture $468 $14,186 22 24 M Single 31 Used Car $7,885 $6,330 16 14 M Single 35 Small Appliance $0 $18,716 19 93 M Single 31 New Car $0 $886 22 96 M Single 64 Business $0 $750 37 2 M Divorced 27 Small Appliance $0 $3,870 25 11 F Divorced 31 Small Appliance $0 $3,273 13 4 M Married 32 Business $0 $406 6 35 M Single 73 Furniture $0 $461 13 48 F Divorced 30 Furniture $0 $340 19 4 M Married 42 Small Appliance $0 $6,490 19 85 M Single 45 Small Appliance $734 $348 7 100 M Single 27 Furniture $0 $506 25 3 F Divorced 22 Used Car $0 $14,717 28 7 M Single 26 Business $172 $0 25 36 M Single 33 New Car $644 $1,571 19 1 F Divorced 27 New Car $0 $0 25 19 F Divorced 24 Furniture $617 $411 31 3 M Married 21

New Car $0 $544 25 0 F Divorced 28 Small Appliance $586 $0 13 0 M Single 51 Furniture $0 $835 19 42 F Divorced 21 Small Appliance $0 $823 25 47 M Single 27 Business $0 $5,180 22 4 M Single 40 Small Appliance $0 $408 16 12 M Single 34 New Car $0 $821 48 5 F Divorced 34 Education $522 $385 10 66 M Single 63 New Car $585 $2,223 16 0 M Single 33 New Car $5,588 $0 22 10 F Divorced 28 New Car $0 $605 37 20 F Divorced 24 Furniture $352 $7,525 13 4 F Divorced 18 Small Appliance $0 $3,529 14 0 F Divorced 63 Business $2,715 $1,435 49 14 M Divorced 37 Other $560 $887 25 20 M Single 38 Small Appliance $895 $243 13 4 M Married 22 New Car $305 $4,553 7 2 F Divorced 31 Small Appliance $0 $418 19 4 M Single 31 New Car $0 $771 25 0 M Single 42 Furniture $0 $463 11 13 M Single 24 Business $8,948 $110 31 90 M Single 65 Used Car $0 $10,099 16 108 M Single 22 Used Car $0 $13,428 7 0 F Divorced 22 Small Appliance $0 $208 13 23 M Single 51 Small Appliance $0 $552 13 15 F Divorced 23 Education $0 $3,105 16 19 F Divorced 30 Small Appliance $483 $415 19 6 M Married 32 Large Appliance $0 $1,238 13 0 F Divorced 21 Education $0 $238 13 2 F Divorced 52 Furniture $0 $127 31 35 F Divorced 22 Business $663 $0 19 57 M Single 41 New Car $624 $785 37 9 F Divorced 53 Repairs $0 $718 19 0 F Divorced 54 Furniture $0 $493 13 21 M Single 37 Small Appliance $152 $757 49 45 M Single 27 New Car $0 $9,125 13 24 F Divorced 25 Small Appliance $0 $364 13 12 F Divorced 34 Business $498 $598 37 14 M Divorced 29 New Car $0 $374 10 19 M Single 27 Small Appliance $156 $0 13 58 F Divorced 32 Used Car $1,336 $0 37 11 M Single 29 New Car $0 $508 13 3 M Single 32 Small Appliance $0 $956 25 4 F Divorced 28 Furniture $0 $636 22 41 F Divorced 25 New Car $2,641 $0 13 71 F Divorced 51 Used Car $0 $1,519 40 74 M Single 44 Business $0 $922 19 29 M Single 33 Furniture $0 $180 5 2 F Divorced 22 Used Car $0 $701 22 108 M Single 35

Retraining $0 $603 13 35 M Married 20 New Car $0 $343 19 22 F Divorced 35 Education $977 $463 10 61 F Divorced 33 Education $197 $0 37 17 M Married 26 Furniture $0 $299 19 11 M Single 46 New Car $0 $490 13 15 F Divorced 28 Small Appliance $0 $6,628 37 65 M Single 38 Business $0 $859 19 23 M Single 35 New Car $0 $750 13 14 M Single 47 Small Appliance $256 $954 10 13 M Single 23 New Car $296 $591 37 103 M Single 56 Furniture $0 $13,970 13 24 F Divorced 28 New Car $0 $857 11 34 M Single 48 Furniture $0 $5,857 19 20 M Single 27 Small Appliance $298 $3,326 73 15 M Married 23 Small Appliance $0 $726 19 7 F Divorced 24 Furniture $8,636 $214 11 3 F Divorced 22 New Car $0 $207 13 119 M Single 42 New Car $0 $713 13 29 M Single 25 New Car $19,766 $2,141 11 54 F Divorced 47 New Car $0 $483 19 90 F Divorced 32 New Car $0 $127 7 13 M Single 25 Furniture $0 $367 37 22 M Single 36 Small Appliance $0 $813 43 28 M Single 25 Furniture $4,089 $0 7 14 M Married 26 New Car $0 $102 7 0 F Divorced 53 Repairs $271 $759 19 0 F Divorced 66 New Car $949 $0 49 36 F Divorced 23 Small Appliance $0 $503 13 62 M Single 25 Small Appliance $911 $823 46 4 M Single 24 New Car $0 $693 19 28 M Single 31 Used Car $0 $973 49 81 F Divorced 57 New Car $0 $648 15 57 M Divorced 44 Other $0 $523 37 0 M Divorced 42 Used Car $271 $7,090 25 2 F Divorced 27 Small Appliance $0 $596 13 67 M Single 51 Used Car $0 $904 49 119 M Single 23 New Car $0 $541 19 13 M Single 31 Furniture $0 $154 37 2 F Divorced 22 New Car $4,802 $0 37 12 M Single 35 Business $177 $0 49 9 M Single 37 Small Appliance $0 $337 25 107 M Single 35 New Car $0 $716 19 33 M Single 30 Education $996 $837 49 83 M Single 49 Education $705 $0 25 24 F Divorced 32 Furniture $0 $7,710 25 114 M Single 52 New Car $0 $531 13 5 M Single 45 Small Appliance $5,960 $129 13 16 M Married 23 Furniture $0 $941 13 111 M Single 41

Furniture $759 $596 10 18 F Divorced 28 Furniture $0 $987 37 101 M Single 30 Small Appliance $651 $0 37 102 M Single 50 Business $257 $460 49 75 F Divorced 58 Small Appliance $955 $0 49 29 M Single 36 Small Appliance $0 $798 25 42 M Single 23 Small Appliance $8,249 $0 31 77 M Single 48 Small Appliance $0 $959 11 21 M Single 37 Small Appliance $956 $1,482 46 19 M Single 20 New Car $382 $883 31 20 F Divorced 23 Furniture $0 $12,721 37 31 F Divorced 39 Education $842 $0 37 9 M Single 34 Repairs $3,111 $0 13 27 F Divorced 22 Small Appliance $0 $302 10 30 M Single 21 Furniture $0 $538 25 59 M Single 38 Small Appliance $2,846 $0 13 14 M Single 36 Small Appliance $231 $702 10 99 M Single 26 Repairs $0 $2,688 10 89 M Single 47 Small Appliance $17,366 $0 16 21 M Single 38 Small Appliance $0 $425 13 10 M Single 27 New Car $332 $214 25 2 M Single 25 Small Appliance $242 $0 19 6 M Single 28 New Car $0 $272 7 90 M Single 67 Business $929 $124 9 1 M Married 25 Small Appliance $0 $17,124 13 95 M Married 34 Used Car $0 $612 49 32 M Single 38 New Car $0 $862 49 62 M Single 41 Furniture $0 $146 25 46 M Single 26 New Car $0 $14,190 37 92 M Single 35 Used Car $0 $396 49 73 M Single 45 Small Appliance $0 $519 31 23 F Divorced 32 Used Car $646 $0 25 9 M Divorced 47 New Car $538 $344 13 40 M Married 24 Furniture $0 $204 31 5 M Divorced 30 Small Appliance $0 $148 43 2 M Single 33 Furniture $0 $435 19 16 F Divorced 23 Small Appliance $0 $914 19 0 F Divorced 21 New Car $135 $0 37 7 M Single 36 Used Car $2,472 $0 37 41 M Single 30 New Car $0 $412 25 22 M Single 52 New Car $10,417 $19,811 13 27 M Married 27 Small Appliance $211 $822 8 5 F Divorced 44 Small Appliance $16,630 $0 11 47 M Single 26 Furniture $0 $3,369 25 17 M Single 24 Furniture $642 $0 13 65 F Divorced 24 Small Appliance $0 $707 7 26 M Single 50 Small Appliance $296 $818 19 93 M Married 31 Business $898 $177 22 105 F Divorced 38 New Car $478 $4,071 10 40 M Single 28

(a) Housing Years Job Credit Risk Loan Purpose Number of Applicants Own 3 Unskilled Low New Car 104 Own 1 Skilled High Used Car 40 Own 4 Management High Business 44 Own 2 Unskilled High Education 23 Rent 3 Skilled Low Small Appliance 105 Own 1 Skilled Low Furniture 85 Own 3 Unskilled Low Own 1 Unskilled Low Checking Acct Balance No of Customers Own 2 Skilled High less than $500 312 Own 1 Skilled High Rent 2 Management High Rent 2 Unskilled Low Own 1 Skilled Low Own 1 Skilled High Own 3 Unskilled Low Own 4 Management Low Own 2 Skilled High Own 2 Skilled Low Own 4 Skilled Low Rent 2 Skilled High Own 4 Skilled High Rent 4 Skilled High Own 4 Skilled High Own 2 Management High Rent 2 Unskilled Low Own 3 Skilled Low Other 4 Skilled High Other 1 Skilled Low Rent 4 Skilled Low Own 2 Skilled Low Other 4 Skilled High Own 3 Skilled Low Own 2 Skilled Low Rent 4 Skilled Low Rent 4 Skilled High Own 1 Unskilled Low Own 1 Skilled High Own 2 Unskilled Low Own 1 Skilled High Own 3 Skilled High Other 4 Unemployed Low Own 3 Unskilled Low Own 2 Skilled Low Own 2 Skilled High Own 1 Skilled Low Rent 2 Skilled Low

Rent 3 Skilled High Rent 4 Skilled High Rent 2 Skilled High Own 4 Skilled Low Own 1 Skilled High Rent 4 Unskilled Low Own 2 Skilled High Own 4 Skilled Low Own 3 Management Low Own 4 Management High Own 3 Skilled Low Rent 3 Unskilled Low Rent 3 Skilled High Own 2 Skilled High Own 2 Unskilled High Own 4 Unskilled High Own 3 Unskilled Low Own 4 Unskilled Low Own 4 Skilled High Own 3 Skilled Low Own 4 Unskilled Low Own 1 Management High Own 1 Management Low Other 4 Skilled High Own 2 Unskilled High Own 4 Unskilled Low Own 4 Skilled Low Own 3 Skilled High Own 2 Skilled Low Rent 1 Skilled High Own 1 Unemployed High Own 2 Skilled Low Own 4 Unemployed Low Own 4 Skilled Low Own 4 Unskilled Low Other 4 Skilled High Own 2 Unskilled High Own 2 Skilled High Rent 3 Skilled High Own 4 Skilled High Own 4 Skilled High Own 1 Skilled High Other 4 Skilled High Own 2 Skilled Low Rent 4 Unskilled Low Own 1 Skilled Low Own 1 Unskilled Low Own 4 Skilled High Own 3 Skilled Low

Own 2 Skilled Low Own 1 Unskilled High Own 4 Unskilled Low Own 4 Unskilled High Rent 3 Skilled High Own 3 Skilled Low Own 3 Skilled Low Own 4 Management Low Own 4 Management Low Own 3 Skilled Low Other 2 Management Low Rent 4 Skilled High Own 2 Skilled Low Own 2 Management High Other 1 Skilled Low Own 3 Unskilled High Rent 4 Skilled High Rent 4 Skilled Low Rent 2 Unskilled High Own 3 Skilled Low Rent 4 Skilled High Own 1 Skilled Low Own 2 Management Low Own 4 Unskilled High Rent 1 Unskilled High Own 2 Unskilled Low Rent 4 Management High Own 2 Unemployed Low Own 4 Unskilled Low Own 2 Unemployed Low Own 2 Skilled Low Own 2 Skilled Low Own 2 Skilled Low Own 3 Management Low Own 4 Skilled Low Own 1 Skilled High Own 2 Unskilled High Own 3 Unskilled High Own 4 Unskilled Low Own 4 Unskilled Low Own 1 Unskilled High Own 4 Skilled Low Own 4 Skilled Low Rent 4 Unskilled High Own 2 Skilled Low Own 3 Skilled Low Own 3 Skilled High Rent 4 Skilled High Own 1 Skilled Low

Rent 4 Unemployed High Own 1 Management High Own 1 Skilled High Own 2 Skilled Low Own 2 Unskilled High Other 4 Skilled Low Own 1 Unskilled Low Own 4 Unskilled Low Own 2 Management High Own 4 Skilled High Own 2 Skilled High Rent 4 Unskilled Low Own 4 Skilled Low Own 2 Skilled High Own 3 Management High Rent 1 Skilled High Own 1 Unskilled High Own 2 Skilled Low Other 2 Skilled High Rent 2 Unskilled High Own 4 Management High Rent 4 Skilled Low Rent 2 Unemployed Low Own 4 Skilled Low Own 4 Unskilled High Own 3 Skilled Low Own 2 Skilled High Own 3 Skilled High Own 4 Skilled High Rent 4 Skilled High Own 2 Skilled Low Rent 2 Skilled Low Other 4 Unemployed High Own 3 Unskilled Low Own 4 Skilled High Own 2 Skilled High Own 2 Skilled Low Own 2 Management High Own 3 Unskilled High Own 3 Unskilled High Own 2 Management Low Own 1 Unskilled High Rent 2 Unskilled High Rent 4 Unskilled Low Other 4 Management Low Own 2 Management Low Own 1 Skilled Low Rent 3 Unskilled Low Own 4 Management Low

Rent 4 Skilled High Own 3 Skilled Low Own 3 Management High Own 2 Skilled Low Other 4 Skilled Low Own 2 Skilled High Own 4 Skilled Low Own 2 Skilled High Own 4 Skilled High Own 3 Skilled Low Other 4 Skilled High Rent 4 Unskilled High Own 3 Skilled Low Own 2 Skilled Low Own 2 Skilled High Rent 4 Skilled High Own 2 Skilled Low Rent 4 Skilled High Own 2 Skilled High Other 4 Unskilled High Rent 4 Skilled High Rent 3 Skilled Low Own 2 Skilled Low Own 2 Skilled High Own 2 Skilled Low Own 4 Unemployed Low Own 4 Skilled Low Own 2 Skilled Low Own 2 Skilled Low Own 2 Unskilled High Other 4 Unskilled High Other 4 Unskilled High Own 4 Management High Own 3 Management Low Rent 4 Skilled High Own 4 Skilled Low Other 4 Skilled High Own 2 Skilled High Rent 4 Skilled High Own 4 Skilled Low Other 4 Skilled Low Own 1 Management Low Own 2 Skilled High Other 4 Skilled High Own 2 Skilled Low Own 4 Skilled Low Own 2 Skilled High Own 1 Skilled Low Own 4 Skilled Low

Own 2 Skilled High Own 4 Skilled High Own 2 Skilled Low Rent 3 Skilled High Own 3 Skilled Low Rent 4 Unskilled High Own 4 Unskilled Low Own 4 Skilled Low Rent 4 Skilled High Own 2 Skilled High Own 4 Skilled Low Other 4 Unskilled Low Own 4 Skilled Low Own 2 Skilled High Rent 2 Management High Other 4 Skilled Low Own 4 Unskilled Low Own 4 Skilled Low Other 4 Skilled High Rent 2 Skilled High Own 1 Skilled Low Own 3 Skilled Low Own 4 Management High Own 2 Skilled Low Own 1 Skilled Low Other 4 Skilled High Other 4 Management High Own 4 Skilled High Own 4 Skilled Low Other 4 Skilled High Own 2 Skilled Low Other 4 Skilled Low Own 3 Unskilled High Own 4 Unskilled High Own 3 Skilled High Rent 4 Skilled High Rent 4 Skilled High Other 4 Skilled High Own 2 Management Low Other 4 Skilled High Own 2 Skilled High Own 1 Skilled Low Own 2 Skilled Low Own 1 Skilled Low Own 2 Skilled High Own 2 Skilled Low Own 2 Unskilled Low Own 4 Skilled High Own 3 Skilled High

(b) Checking Acct Status Savings Acct Status LOW MEDIUM LOW MEDIUM LOW MEDIUM MEDIUM MEDIUM MEDIUM HIGH HIGH LOW LOW LOW LOW MEDIUM HIGH MEDIUM MEDIUM LOW LOW MEDIUM LOW HIGH MEDIUM MEDIUM LOW MEDIUM MEDIUM LOW LOW LOW MEDIUM MEDIUM MEDIUM MEDIUM LOW LOW MEDIUM HIGH LOW HIGH LOW HIGH LOW LOW LOW MEDIUM LOW HIGH LOW LOW LOW LOW HIGH LOW LOW LOW LOW MEDIUM MEDIUM MEDIUM HIGH LOW LOW MEDIUM HIGH MEDIUM LOW LOW LOW MEDIUM LOW LOW MEDIUM MEDIUM LOW MEDIUM LOW LOW LOW LOW LOW LOW HIGH LOW MEDIUM MEDIUM LOW HIGH LOW LOW

LOW LOW LOW MEDIUM LOW MEDIUM LOW MEDIUM MEDIUM MEDIUM HIGH LOW MEDIUM MEDIUM LOW MEDIUM LOW MEDIUM LOW LOW LOW MEDIUM MEDIUM LOW LOW MEDIUM LOW MEDIUM LOW MEDIUM MEDIUM LOW LOW MEDIUM LOW MEDIUM LOW MEDIUM LOW HIGH MEDIUM HIGH MEDIUM LOW MEDIUM MEDIUM LOW HIGH LOW LOW MEDIUM MEDIUM LOW MEDIUM LOW MEDIUM LOW MEDIUM LOW MEDIUM HIGH MEDIUM MEDIUM HIGH LOW MEDIUM HIGH LOW LOW MEDIUM MEDIUM MEDIUM LOW MEDIUM LOW HIGH LOW MEDIUM LOW MEDIUM LOW LOW MEDIUM MEDIUM MEDIUM MEDIUM LOW MEDIUM MEDIUM LOW LOW MEDIUM MEDIUM MEDIUM MEDIUM LOW LOW MEDIUM