lecture_5.ipynb

{
 "cells": [
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## License \n",
    "\n",
    "Copyright 2020 Patrick Hall (jphall@gwu.edu)\n",
    "\n",
    "Licensed under the Apache License, Version 2.0 (the \"License\");\n",
    "you may not use this file except in compliance with the License.\n",
    "You may obtain a copy of the License at\n",
    "\n",
    "    http://www.apache.org/licenses/LICENSE-2.0\n",
    "\n",
    "Unless required by applicable law or agreed to in writing, software\n",
    "distributed under the License is distributed on an \"AS IS\" BASIS,\n",
    "WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.\n",
    "See the License for the specific language governing permissions and\n",
    "limitations under the License."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "**DISCLAIMER:** This notebook is not legal compliance advice."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "# Lecture 5: Debugging a Machine Learning Model\n",
    "\n",
    "This notebook provides a basic introduction to three practical model debugging techniques that can be applied to machine learning models: residual analysis, sensitivity analysis, and benchmark models. The notebook starts by loading the UCI credit card default dataset and using h2o to train a GBM model to predict credit card defaults. Then, residual analysis is used to discover and debug an issue with the GBM, and the GBM is retrained and improved. Sensitivity analysis is then conducted to test the GBM credit card default model for fairness and stability. The notebook closes by comparing the GBM predictions to a benchmark linear model's predictions.  "
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Global hyperparameters"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 1,
   "metadata": {},
   "outputs": [],
   "source": [
    "SEED = 12345"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Python imports and inits"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 2,
   "metadata": {},
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      "/home/patrickh/Workspace/GWU_rml/env_rml/lib/python3.6/site-packages/sklearn/ensemble/weight_boosting.py:29: DeprecationWarning: numpy.core.umath_tests is an internal NumPy module and should not be imported. It will be removed in a future NumPy release.\n",
      "  from numpy.core.umath_tests import inner1d\n"
     ]
    },
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Checking whether there is an H2O instance running at http://localhost:54321 ..... not found.\n",
      "Attempting to start a local H2O server...\n",
      "  Java Version: openjdk version \"1.8.0_252\"; OpenJDK Runtime Environment (build 1.8.0_252-8u252-b09-1~18.04-b09); OpenJDK 64-Bit Server VM (build 25.252-b09, mixed mode)\n",
      "  Starting server from /home/patrickh/Workspace/GWU_rml/env_rml/lib/python3.6/site-packages/h2o/backend/bin/h2o.jar\n",
      "  Ice root: /tmp/tmpfp1yr6sh\n",
      "  JVM stdout: /tmp/tmpfp1yr6sh/h2o_patrickh_started_from_python.out\n",
      "  JVM stderr: /tmp/tmpfp1yr6sh/h2o_patrickh_started_from_python.err\n",
      "  Server is running at http://127.0.0.1:54321\n",
      "Connecting to H2O server at http://127.0.0.1:54321 ... successful.\n",
      "Warning: Your H2O cluster version is too old (9 months and 25 days)! Please download and install the latest version from http://h2o.ai/download/\n"
     ]
    },
    {
     "data": {
      "text/html": [
       "<div style=\"overflow:auto\"><table style=\"width:50%\"><tr><td>H2O cluster uptime:</td>\n",
       "<td>01 secs</td></tr>\n",
       "<tr><td>H2O cluster timezone:</td>\n",
       "<td>America/New_York</td></tr>\n",
       "<tr><td>H2O data parsing timezone:</td>\n",
       "<td>UTC</td></tr>\n",
       "<tr><td>H2O cluster version:</td>\n",
       "<td>3.26.0.3</td></tr>\n",
       "<tr><td>H2O cluster version age:</td>\n",
       "<td>9 months and 25 days !!!</td></tr>\n",
       "<tr><td>H2O cluster name:</td>\n",
       "<td>H2O_from_python_patrickh_02yx74</td></tr>\n",
       "<tr><td>H2O cluster total nodes:</td>\n",
       "<td>1</td></tr>\n",
       "<tr><td>H2O cluster free memory:</td>\n",
       "<td>1.879 Gb</td></tr>\n",
       "<tr><td>H2O cluster total cores:</td>\n",
       "<td>24</td></tr>\n",
       "<tr><td>H2O cluster allowed cores:</td>\n",
       "<td>24</td></tr>\n",
       "<tr><td>H2O cluster status:</td>\n",
       "<td>accepting new members, healthy</td></tr>\n",
       "<tr><td>H2O connection url:</td>\n",
       "<td>http://127.0.0.1:54321</td></tr>\n",
       "<tr><td>H2O connection proxy:</td>\n",
       "<td>None</td></tr>\n",
       "<tr><td>H2O internal security:</td>\n",
       "<td>False</td></tr>\n",
       "<tr><td>H2O API Extensions:</td>\n",
       "<td>Amazon S3, XGBoost, Algos, AutoML, Core V3, Core V4</td></tr>\n",
       "<tr><td>Python version:</td>\n",
       "<td>3.6.9 final</td></tr></table></div>"
      ],
      "text/plain": [
       "--------------------------  ---------------------------------------------------\n",
       "H2O cluster uptime:         01 secs\n",
       "H2O cluster timezone:       America/New_York\n",
       "H2O data parsing timezone:  UTC\n",
       "H2O cluster version:        3.26.0.3\n",
       "H2O cluster version age:    9 months and 25 days !!!\n",
       "H2O cluster name:           H2O_from_python_patrickh_02yx74\n",
       "H2O cluster total nodes:    1\n",
       "H2O cluster free memory:    1.879 Gb\n",
       "H2O cluster total cores:    24\n",
       "H2O cluster allowed cores:  24\n",
       "H2O cluster status:         accepting new members, healthy\n",
       "H2O connection url:         http://127.0.0.1:54321\n",
       "H2O connection proxy:\n",
       "H2O internal security:      False\n",
       "H2O API Extensions:         Amazon S3, XGBoost, Algos, AutoML, Core V3, Core V4\n",
       "Python version:             3.6.9 final\n",
       "--------------------------  ---------------------------------------------------"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    }
   ],
   "source": [
    "from rmltk import explain, model # simple module for explaining and training models\n",
    "\n",
    "# h2o Python API and specific classes for gbm\n",
    "import h2o \n",
    "from h2o.estimators.gbm import H2OGradientBoostingEstimator\n",
    "import numpy as np   # array, vector, matrix calculations\n",
    "import pandas as pd  # DataFrame handling\n",
    "import shap          # for visualizing Shapley values\n",
    "\n",
    "\n",
    "pd.options.display.max_columns = 999 # enable display of all columns in notebook\n",
    "\n",
    "# plotting functionality\n",
    "import matplotlib.pyplot as plt\n",
    "from matplotlib.lines import Line2D # necessary for custom legends\n",
    "import seaborn as sns\n",
    "\n",
    "# display plots in notebook\n",
    "%matplotlib inline\n",
    "\n",
    "h2o.init(max_mem_size='2G')       # start h2o\n",
    "h2o.remove_all()                  # remove any existing data structures from h2o memory"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## 1. Download, Explore, and Prepare UCI Credit Card Default Data\n",
    "\n",
    "UCI credit card default data: https://archive.ics.uci.edu/ml/datasets/default+of+credit+card+clients\n",
    "\n",
    "The UCI credit card default data contains demographic and payment information about credit card customers in Taiwan in the year 2005. The data set contains 23 input variables: \n",
    "\n",
    "* **`LIMIT_BAL`**: Amount of given credit (NT dollar)\n",
    "* **`SEX`**: 1 = male; 2 = female\n",
    "* **`EDUCATION`**: 1 = graduate school; 2 = university; 3 = high school; 4 = others \n",
    "* **`MARRIAGE`**: 1 = married; 2 = single; 3 = others\n",
    "* **`AGE`**: Age in years \n",
    "* **`PAY_0`, `PAY_2` - `PAY_6`**: History of past payment; `PAY_0` = the repayment status in September, 2005; `PAY_2` = the repayment status in August, 2005; ...; `PAY_6` = the repayment status in April, 2005. The measurement scale for the repayment status is: -1 = pay duly; 1 = payment delay for one month; 2 = payment delay for two months; ...; 8 = payment delay for eight months; 9 = payment delay for nine months and above. \n",
    "* **`BILL_AMT1` - `BILL_AMT6`**: Amount of bill statement (NT dollar). `BILL_AMNT1` = amount of bill statement in September, 2005; `BILL_AMT2` = amount of bill statement in August, 2005; ...; `BILL_AMT6` = amount of bill statement in April, 2005. \n",
    "* **`PAY_AMT1` - `PAY_AMT6`**: Amount of previous payment (NT dollar). `PAY_AMT1` = amount paid in September, 2005; `PAY_AMT2` = amount paid in August, 2005; ...; `PAY_AMT6` = amount paid in April, 2005. \n",
    "\n",
    "These 23 input variables are used to predict the target variable, whether or not a customer defaulted on their credit card bill in late 2005.\n",
    "\n",
    "Because h2o accepts both numeric and character inputs, some variables will be recoded into more transparent character values.\n",
    "\n",
    "**Also, best practices and regulations can prohibit the use of demographic variables in credit lending models. This notebook uses them in the model only for educational purposes!**"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Import data and clean"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 3,
   "metadata": {},
   "outputs": [],
   "source": [
    "# import XLS file\n",
    "path = 'default_of_credit_card_clients.xls'\n",
    "data = pd.read_excel(path,\n",
    "                     skiprows=1)\n",
    "\n",
    "# remove spaces from target column name \n",
    "data = data.rename(columns={'default payment next month': 'DEFAULT_NEXT_MONTH'}) "
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Assign modeling roles"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 4,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "y_name = DEFAULT_NEXT_MONTH\n",
      "x_name = ['LIMIT_BAL', 'SEX', 'EDUCATION', 'MARRIAGE', 'AGE', 'PAY_0', 'PAY_2', 'PAY_3', 'PAY_4', 'PAY_5', 'PAY_6', 'BILL_AMT1', 'BILL_AMT2', 'BILL_AMT3', 'BILL_AMT4', 'BILL_AMT5', 'BILL_AMT6', 'PAY_AMT1', 'PAY_AMT2', 'PAY_AMT3', 'PAY_AMT4', 'PAY_AMT5', 'PAY_AMT6']\n"
     ]
    }
   ],
   "source": [
    "# assign target and inputs for GBM\n",
    "y_name = 'DEFAULT_NEXT_MONTH'\n",
    "x_names = [name for name in data.columns if name not in [y_name, 'ID']]\n",
    "print('y_name =', y_name)\n",
    "print('x_name =', x_names)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Helper function for recoding values in the UCI credict card default data"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 5,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Parse progress: |█████████████████████████████████████████████████████████| 100%\n"
     ]
    }
   ],
   "source": [
    "def recode_cc_data(frame):\n",
    "    \n",
    "    \"\"\" Recodes numeric categorical variables into categorical character variables\n",
    "    with more transparent values. \n",
    "    \n",
    "    Args:\n",
    "        frame: Pandas DataFrame version of UCI credit card default data.\n",
    "        \n",
    "    Returns: \n",
    "        H2OFrame with recoded values.\n",
    "        \n",
    "    \"\"\"\n",
    "    \n",
    "    # define recoded values\n",
    "    sex_dict = {1:'male', 2:'female'}\n",
    "    education_dict = {0:'other', 1:'graduate school', 2:'university', 3:'high school', \n",
    "                      4:'other', 5:'other', 6:'other'}\n",
    "    marriage_dict = {0:'other', 1:'married', 2:'single', 3:'divorced'}\n",
    "    pay_dict = {-2:'no consumption', -1:'pay duly', 0:'use of revolving credit', 1:'1 month delay', \n",
    "                2:'2 month delay', 3:'3 month delay', 4:'4 month delay', 5:'5 month delay', 6:'6 month delay', \n",
    "                7:'7 month delay', 8:'8 month delay', 9:'9+ month delay'}\n",
    "    \n",
    "    # recode values using Pandas apply() and anonymous function\n",
    "    frame['SEX'] = frame['SEX'].apply(lambda i: sex_dict[i])\n",
    "    frame['EDUCATION'] = frame['EDUCATION'].apply(lambda i: education_dict[i])    \n",
    "    frame['MARRIAGE'] = frame['MARRIAGE'].apply(lambda i: marriage_dict[i]) \n",
    "    for name in frame.columns:\n",
    "        if name in ['PAY_0', 'PAY_2', 'PAY_3', 'PAY_4', 'PAY_5', 'PAY_6']:\n",
    "            frame[name] = frame[name].apply(lambda i: pay_dict[i])            \n",
    "                \n",
    "    return h2o.H2OFrame(frame)\n",
    "\n",
    "data = recode_cc_data(data)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Ensure target is handled as a categorical variable\n",
    "In h2o, a numeric variable can be treated as numeric or categorical. The target variable `DEFAULT_NEXT_MONTH` takes on values of `0` or `1`. To ensure this numeric variable is treated as a categorical variable, the `asfactor()` function is used to explicitly declare that it is a categorical variable. "
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 6,
   "metadata": {},
   "outputs": [],
   "source": [
    "data[y_name] = data[y_name].asfactor() "
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Display descriptive statistics"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 7,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Rows:30000\n",
      "Cols:25\n",
      "\n",
      "\n"
     ]
    },
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th>       </th><th>ID               </th><th>LIMIT_BAL         </th><th>SEX   </th><th>EDUCATION      </th><th>MARRIAGE  </th><th>AGE              </th><th>PAY_0                  </th><th>PAY_2                  </th><th>PAY_3                  </th><th>PAY_4                  </th><th>PAY_5                  </th><th>PAY_6                  </th><th>BILL_AMT1        </th><th>BILL_AMT2        </th><th>BILL_AMT3        </th><th>BILL_AMT4        </th><th>BILL_AMT5        </th><th>BILL_AMT6        </th><th>PAY_AMT1          </th><th>PAY_AMT2          </th><th>PAY_AMT3          </th><th>PAY_AMT4          </th><th>PAY_AMT5          </th><th>PAY_AMT6          </th><th>DEFAULT_NEXT_MONTH  </th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td>type   </td><td>int              </td><td>int               </td><td>enum  </td><td>enum           </td><td>enum      </td><td>int              </td><td>enum                   </td><td>enum                   </td><td>enum                   </td><td>enum                   </td><td>enum                   </td><td>enum                   </td><td>int              </td><td>int              </td><td>int              </td><td>int              </td><td>int              </td><td>int              </td><td>int               </td><td>int               </td><td>int               </td><td>int               </td><td>int               </td><td>int               </td><td>enum                </td></tr>\n",
       "<tr><td>mins   </td><td>1.0              </td><td>10000.0           </td><td>      </td><td>               </td><td>          </td><td>21.0             </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>-165580.0        </td><td>-69777.0         </td><td>-157264.0        </td><td>-170000.0        </td><td>-81334.0         </td><td>-339603.0        </td><td>0.0               </td><td>0.0               </td><td>0.0               </td><td>0.0               </td><td>0.0               </td><td>0.0               </td><td>                    </td></tr>\n",
       "<tr><td>mean   </td><td>15000.5          </td><td>167484.32266666688</td><td>      </td><td>               </td><td>          </td><td>35.48549999999994</td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>51223.33090000009</td><td>49179.07516666668</td><td>47013.15479999971</td><td>43262.9489666666 </td><td>40311.40096666653</td><td>38871.76039999991</td><td>5663.580500000014 </td><td>5921.16350000001  </td><td>5225.681500000005 </td><td>4826.076866666661 </td><td>4799.387633333302 </td><td>5215.502566666664 </td><td>                    </td></tr>\n",
       "<tr><td>maxs   </td><td>30000.0          </td><td>1000000.0         </td><td>      </td><td>               </td><td>          </td><td>79.0             </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>964511.0         </td><td>983931.0         </td><td>1664089.0        </td><td>891586.0         </td><td>927171.0         </td><td>961664.0         </td><td>873552.0          </td><td>1684259.0         </td><td>896040.0          </td><td>621000.0          </td><td>426529.0          </td><td>528666.0          </td><td>                    </td></tr>\n",
       "<tr><td>sigma  </td><td>8660.398374208891</td><td>129747.66156720225</td><td>      </td><td>               </td><td>          </td><td>9.21790406809016 </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>73635.86057552959</td><td>71173.76878252836</td><td>69349.38742703681</td><td>64332.85613391641</td><td>60797.1557702648 </td><td>59554.10753674574</td><td>16563.280354025763</td><td>23040.870402057226</td><td>17606.961469803115</td><td>15666.159744031993</td><td>15278.305679144793</td><td>17777.465775435332</td><td>                    </td></tr>\n",
       "<tr><td>zeros  </td><td>0                </td><td>0                 </td><td>      </td><td>               </td><td>          </td><td>0                </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>                       </td><td>2008             </td><td>2506             </td><td>2870             </td><td>3195             </td><td>3506             </td><td>4020             </td><td>5249              </td><td>5396              </td><td>5968              </td><td>6408              </td><td>6703              </td><td>7173              </td><td>                    </td></tr>\n",
       "<tr><td>missing</td><td>0                </td><td>0                 </td><td>0     </td><td>0              </td><td>0         </td><td>0                </td><td>0                      </td><td>0                      </td><td>0                      </td><td>0                      </td><td>0                      </td><td>0                      </td><td>0                </td><td>0                </td><td>0                </td><td>0                </td><td>0                </td><td>0                </td><td>0                 </td><td>0                 </td><td>0                 </td><td>0                 </td><td>0                 </td><td>0                 </td><td>0                   </td></tr>\n",
       "<tr><td>0      </td><td>1.0              </td><td>20000.0           </td><td>female</td><td>university     </td><td>married   </td><td>24.0             </td><td>2 month delay          </td><td>2 month delay          </td><td>pay duly               </td><td>pay duly               </td><td>no consumption         </td><td>no consumption         </td><td>3913.0           </td><td>3102.0           </td><td>689.0            </td><td>0.0              </td><td>0.0              </td><td>0.0              </td><td>0.0               </td><td>689.0             </td><td>0.0               </td><td>0.0               </td><td>0.0               </td><td>0.0               </td><td>1                   </td></tr>\n",
       "<tr><td>1      </td><td>2.0              </td><td>120000.0          </td><td>female</td><td>university     </td><td>single    </td><td>26.0             </td><td>pay duly               </td><td>2 month delay          </td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>2 month delay          </td><td>2682.0           </td><td>1725.0           </td><td>2682.0           </td><td>3272.0           </td><td>3455.0           </td><td>3261.0           </td><td>0.0               </td><td>1000.0            </td><td>1000.0            </td><td>1000.0            </td><td>0.0               </td><td>2000.0            </td><td>1                   </td></tr>\n",
       "<tr><td>2      </td><td>3.0              </td><td>90000.0           </td><td>female</td><td>university     </td><td>single    </td><td>34.0             </td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>29239.0          </td><td>14027.0          </td><td>13559.0          </td><td>14331.0          </td><td>14948.0          </td><td>15549.0          </td><td>1518.0            </td><td>1500.0            </td><td>1000.0            </td><td>1000.0            </td><td>1000.0            </td><td>5000.0            </td><td>0                   </td></tr>\n",
       "<tr><td>3      </td><td>4.0              </td><td>50000.0           </td><td>female</td><td>university     </td><td>married   </td><td>37.0             </td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>46990.0          </td><td>48233.0          </td><td>49291.0          </td><td>28314.0          </td><td>28959.0          </td><td>29547.0          </td><td>2000.0            </td><td>2019.0            </td><td>1200.0            </td><td>1100.0            </td><td>1069.0            </td><td>1000.0            </td><td>0                   </td></tr>\n",
       "<tr><td>4      </td><td>5.0              </td><td>50000.0           </td><td>male  </td><td>university     </td><td>married   </td><td>57.0             </td><td>pay duly               </td><td>use of revolving credit</td><td>pay duly               </td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>8617.0           </td><td>5670.0           </td><td>35835.0          </td><td>20940.0          </td><td>19146.0          </td><td>19131.0          </td><td>2000.0            </td><td>36681.0           </td><td>10000.0           </td><td>9000.0            </td><td>689.0             </td><td>679.0             </td><td>0                   </td></tr>\n",
       "<tr><td>5      </td><td>6.0              </td><td>50000.0           </td><td>male  </td><td>graduate school</td><td>single    </td><td>37.0             </td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>64400.0          </td><td>57069.0          </td><td>57608.0          </td><td>19394.0          </td><td>19619.0          </td><td>20024.0          </td><td>2500.0            </td><td>1815.0            </td><td>657.0             </td><td>1000.0            </td><td>1000.0            </td><td>800.0             </td><td>0                   </td></tr>\n",
       "<tr><td>6      </td><td>7.0              </td><td>500000.0          </td><td>male  </td><td>graduate school</td><td>single    </td><td>29.0             </td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>367965.0         </td><td>412023.0         </td><td>445007.0         </td><td>542653.0         </td><td>483003.0         </td><td>473944.0         </td><td>55000.0           </td><td>40000.0           </td><td>38000.0           </td><td>20239.0           </td><td>13750.0           </td><td>13770.0           </td><td>0                   </td></tr>\n",
       "<tr><td>7      </td><td>8.0              </td><td>100000.0          </td><td>female</td><td>university     </td><td>single    </td><td>23.0             </td><td>use of revolving credit</td><td>pay duly               </td><td>pay duly               </td><td>use of revolving credit</td><td>use of revolving credit</td><td>pay duly               </td><td>11876.0          </td><td>380.0            </td><td>601.0            </td><td>221.0            </td><td>-159.0           </td><td>567.0            </td><td>380.0             </td><td>601.0             </td><td>0.0               </td><td>581.0             </td><td>1687.0            </td><td>1542.0            </td><td>0                   </td></tr>\n",
       "<tr><td>8      </td><td>9.0              </td><td>140000.0          </td><td>female</td><td>high school    </td><td>married   </td><td>28.0             </td><td>use of revolving credit</td><td>use of revolving credit</td><td>2 month delay          </td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>11285.0          </td><td>14096.0          </td><td>12108.0          </td><td>12211.0          </td><td>11793.0          </td><td>3719.0           </td><td>3329.0            </td><td>0.0               </td><td>432.0             </td><td>1000.0            </td><td>1000.0            </td><td>1000.0            </td><td>0                   </td></tr>\n",
       "<tr><td>9      </td><td>10.0             </td><td>20000.0           </td><td>male  </td><td>high school    </td><td>single    </td><td>35.0             </td><td>no consumption         </td><td>no consumption         </td><td>no consumption         </td><td>no consumption         </td><td>pay duly               </td><td>pay duly               </td><td>0.0              </td><td>0.0              </td><td>0.0              </td><td>0.0              </td><td>13007.0          </td><td>13912.0          </td><td>0.0               </td><td>0.0               </td><td>0.0               </td><td>13007.0           </td><td>1122.0            </td><td>0.0               </td><td>0                   </td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    }
   ],
   "source": [
    "data.describe()"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## 2. Train an H2O GBM classifier"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Split data into training and test sets for early stopping"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 8,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Train data rows = 21060, columns = 25\n",
      "Validation data rows = 8940, columns = 25\n"
     ]
    }
   ],
   "source": [
    "# split into training and validation\n",
    "train, valid = data.split_frame([0.7], seed=SEED)\n",
    "\n",
    "# summarize split\n",
    "print('Train data rows = %d, columns = %d' % (train.shape[0], train.shape[1]))\n",
    "print('Validation data rows = %d, columns = %d' % (valid.shape[0], valid.shape[1]))"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Train h2o GBM classifier\n",
    "Many tuning parameters must be specified to train a GBM using h2o. Typically a grid search would be performed to identify the best parameters for a given modeling task using the `H2OGridSearch` class. For brevity's sake, a previously-discovered set of good tuning parameters are specified here."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 9,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm Model Build progress: |███████████████████████████████████████████████| 100%\n",
      "GBM Validation AUC = 0.7804\n"
     ]
    }
   ],
   "source": [
    "# initialize GBM model\n",
    "gbm = H2OGradientBoostingEstimator(ntrees=150,            # maximum 150 trees in GBM\n",
    "                                   max_depth=4,           # trees can have maximum depth of 4\n",
    "                                   sample_rate=0.9,       # use 90% of rows in each iteration (tree)\n",
    "                                   col_sample_rate=0.9,   # use 90% of variables in each iteration (tree)\n",
    "                                   stopping_rounds=5,     # stop if validation error does not decrease for 5 iterations (trees)\n",
    "                                   seed=SEED)            # for reproducibility\n",
    "\n",
    "# train a GBM model\n",
    "gbm.train(y=y_name, x=x_names, training_frame=train, validation_frame=valid)\n",
    "\n",
    "# print AUC\n",
    "print('GBM Validation AUC = %.4f' % gbm.auc(valid=True))\n",
    "\n",
    "# uncomment to see model details\n",
    "# print(model) "
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Display Shapley variable importance"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 11,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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WA5ft4/KszLyr2bbXT9tId3d3s7dLknTAMpDUKb/fZsl+K0qSpJZxyUaSJFXOQCJJkipnIJEkSZUzkEiSpMoZSCRJUuU8GG0UddLBaB5mJkkqeTCaJElqDwYSSZJUOQOJJEmqnIFEkiRVzkAiSZIq17avQkTEJmAGsBt4FtgKLM3Mm2vq9ALzgJmZeWdZdgiwBVhbfm/NQN0pwAPAhZm5rsExfBmYDczIzLtb8VySJHWidp8hWZKZE4BJwI3ATRExFSAiDgPOAR4HegZuyMyngDnAwog4sazbBVwHrB9CGDkbmNjCZ5EkqWO1eyABIDP3ANcC44DpZfEc4BngYmB2REyqqb8FuBJYExGHlnWOBS5ppL+IeAXwcWBBq55BkqROdkAEkogYD1xEsXxzf1ncA9wArAN2ARfU3XY1sANYCywF5mTmrga7vBb4JPCjYQ1ckiQB7R9IFkXETmA7cBYwOzMfjoiTgBOAVZm5G7gemF97Y2buBc4DZgErGt0DEhHvBaYA/9C6x5AkqbO1eyBZlpkTM3NyZp6SmRvK8gXAvZl5X/l5JTAtImbW3pyZ24AnKDaz7le57PN3wNwy0EiSpBZo27ds9qXczHo2cFBE9NVc6qcIKpuG0fzvA68CvhURteX/EhErMvPyYbQtSVLHOuACCXAusBc4HniypvxMYEVEHJGZjzXZ9reA3675PA54BPgA8M0m25QkqeMdiIGkB+jNzK21hRGxGlhMsbl1eTMNZ+YzFPtVBtoc+P39NDP/q5k2JUkSdPX391c9ho7RtXxPx/yy+y89ELOuJKkJXY1UavdNrZIk6QDgn7F1ImIxcNk+Ls/KzLtGczySJHUCl2xG0YYNG/q7u7urHoYkSaPJJRtJktQeDCSSJKlyBhJJklQ5A4kkSaqcgUSSJFXOQCJJkirna7+jyJNaJUkdyNd+JUlSezCQSJKkyhlIJElS5QwkkiSpcgYSSZJUuZa9ChERm4AZwG7gWWArsDQzb66p0wvMA2Zm5p1l2SHAFmBtZi6pqTsFeAC4MDPXNdD/+cBq4PLMXFZ3bTNwKjA7M2+pKT8V2Az8IDNfFxHfA6aUl8dTBLana5qaCvwpsLCu/JrMXLS/MUqSpMG1eoZkSWZOACYBNwI3RcRUgIg4DDgHeBzoGbghM58C5gALI+LEsm4XcB2wvpEwUlpQtj0vIgZ7roeA+XVl88vygbFMy8wJ5TNcBWwa+Fz+7Cir3l5XbhiRJGkYRmTJJjP3ANcC44DpZfEc4BngYmB2REyqqb8FuBJYExGHlnWOBS5ppL+ImE4xO3MecBRw+iDVvgycHBGvKe85HHg3xayKJEmq0IgEkogYD1xEsXxzf1ncA9wArAN2ARfU3XY1sANYCywF5mTmrga77AHuzcxbgdsoZkvqPUkxazO3/DwHuB14tME+ap0aEY9FxNaI+GxEHNFEG5IkqdTqQLIoInYC24GzKPZsPBwRJwEnAKsyczdwPXXLJ5m5l2KGYxawIjPvbqTDckblA8CqsmglcGZEHDlI9V7ggxExruy/d6gPCHwReD3wCuBtwNHAPzXRjiRJKrU6kCzLzImZOTkzT8nMDWX5AooZjPvKzyuBaRExs/bmzNwGPEGxmbVRZwMHU8y+AGwo25hbX7Hsvw/4KDAR+PoQ+hlo48HM3JaZ/Zm5lWJ25k0R8dqhtiVJkgoj/tpvuZn1bOC4iOiLiD7gDqCfwZdWhqqHYq/KQ2Xb24DD2ffm1s8BlwMry1mZ4Rpoo6Gz+iVJ0vONxjegnUvxP+3jKfZxDDgTWBERR2TmY800HBHHA28E3kXx6vCAI4HvAGcAG+tuWwP8EMgm+5wNfDMzfxoRrwY+DdyTmY80054kSRqdQNID9JbLG78WEauBxRSbW5c32fYCijDwtbryvoi4pbz+nEBSvmZ8e5P9AbwX+ExEvBT4GcUm2nnDaE+SpI7X1d/fX/UYOkbX8j0d88vuv3Q0sq4kqQ00tKXBo+MlSVLlxvyfsRGxGLhsH5dnZeZdozme4Vg/bSPd3d1VD0OSpDFnzAeS8vttluy3oiRJalsu2UiSpMoZSCRJUuUMJJIkqXIGEkmSVDkDiSRJqpyBRJIkVc6TWkdRJ5zU6gmtkqQ6ntQqSZLag4FEkiRVzkAiSZIqZyCRJEmVa9sdiBGxCZgB7AaeBbYCSzPz5po6vcA8YGZm3lmWHQJsAdaW35MzUHcK8ABwYWau20/fAfwP4GTgV8CmzPyj1j2dJEmdpd1nSJZk5gRgEnAjcFNETAWIiMOAc4DHgZ6BGzLzKWAOsDAiTizrdgHXAesbCCO/C9wBfBGYDLwSuKrFzyVJUkdp90ACQGbuAa4FxgHTy+I5wDPAxcDsiJhUU38LcCWwJiIOLescC1zSQHdXABsyszczn8zM3ZmZLXsYSZI60AERSCJiPHARxfLN/WVxD3ADsA7YBVxQd9vVwA5gLbAUmJOZuxro7i3ALyJic0T8LCL+PSLeNvynkCSpc7V7IFkUETuB7cBZwOzMfDgiTgJOAFZl5m7gemB+7Y2ZuRc4D5gFrMjMu/fXWbm0M4lyyQd4FfAZYH1EHN2yp5IkqcO0eyBZlpkTM3NyZp6SmRvK8gXAvZl5X/l5JTAtImbW3pyZ24AnKDaz7ldm9gO/AG7OzM3lcs11FBtqT2/B80iS1JHa9i2bfSk3s54NHBQRfTWX+imCyqZhdnFf2Va9A/5YeEmSRsoBF0iAc4G9wPHAkzXlZwIrIuKIzHxsGO1fC3w2Ij4L3EOxfHM08K/DaFOSpI52IAaSHqA3M7fWFkbEamAxxebW5c02npk3RsRk4EvAROAh4F2Z+aNm25QkqdP5bb+jyG/7lSR1IL/tV5IktQf/nK0TEYuBy/ZxeVZm3jWa45EkqRO4ZDOKNmzY0N/d3V31MCRJGk0u2UiSpPZgIJEkSZUzkEiSpMoZSCRJUuUMJJIkqXIGEkmSVDlf+x1FB/JJrZ7QKknaB1/7lSRJ7cFAIkmSKmcgkSRJlTOQSJKkyhlIJElS5Vr2akREbAJmALuBZ4GtwNLMvLmmTi8wD5iZmXeWZYcAW4C1mbmkpu4U4AHgwsxc10D/5wOrgcszc1ndtc3AqcDszLylpvxUYDPwg8x8XUR8D5hSXh5PEdiermlqKnAucA5wDPAUsAn4y8zctr8xSpKkwbV6hmRJZk4AJgE3AjdFxFSAiDiM4n/kjwM9Azdk5lPAHGBhRJxY1u0CrgPWNxJGSgvKtudFxGDP9RAwv65sflk+MJZpmTmhfIargE0Dn8ufHcCLgYuAV1IElF8BX2lwjJIkaRAjsmSTmXuAa4FxwPSyeA7wDHAxMDsiJtXU3wJcCayJiEPLOscClzTSX0RMp5idOQ84Cjh9kGpfBk6OiNeU9xwOvJtiVmUoz7YsM/8tM5/OzJ8DfwP8fhm4JElSE0YkkETEeIpZhN3A/WVxD3ADsA7YBVxQd9vVwA5gLbAUmJOZuxrssge4NzNvBW6jmC2p9yTFrM3c8vMc4Hbg0Qb72Je3Ao+U4USSJDWh1YFkUUTsBLYDZ1Hs2Xg4Ik4CTgBWZeZu4Hrqlk8ycy/FDMcsYEVm3t1Ih+WMygeAVWXRSuDMiDhykOq9wAcjYlzZf+9QH7Cu79MowtOHhtOOJEmdrtWBZFlmTszMyZl5SmZuKMsXUMxg3Fd+XglMi4iZtTeXG0OfoNjM2qizgYMpZl8ANpRtzK2vWPbfB3wUmAh8fQj9PEc59q8AczPzX5ptR5IkjcJrv+XeirOB4yKiLyL6gDuAfgZfWhmqHoq9Kg+VbW8DDmffm1s/B1wOrCxnZYYsIt4J/DPwJ5n5peaGLUmSBozGN6KdC+wFjqfYxzHgTGBFRByRmY8103BEHA+8EXgXxavDA44EvgOcAWysu20N8EMgm+zzfRRLPe/PzPq2JUlSE0YjkPQAvZm5tbYwIlYDiyk2ty5vsu0FwD2Z+bW68r6IuKW8/pzQUL5mfHuT/QH8LfBSYF1E1JZPLV8LliRJQ9TV399f9Rg6RtfyPQfsL7v/0tHItpKkNtTVSCWPjpckSZUb83/WRsRi4LJ9XJ6VmXeN5niGY/20jXR3d1c9DEmSxpwxH0jK77dZst+KkiSpbblkI0mSKmcgkSRJlTOQSJKkyhlIJElS5QwkkiSpcgYSSZJUOU9qHUUH0kmtnswqSWqQJ7VKkqT2YCCRJEmVM5BIkqTKGUgkSVLlDCSSJKlybfuqRERsAmYAu4Fnga3A0sy8uaZOLzAPmJmZd5ZlhwBbgLXlF/cN1J0CPABcmJnrXqDfpcBC4Oma4msyc1GLHk2SpI7T7jMkSzJzAjAJuBG4KSKmAkTEYcA5wONAz8ANmfkUMAdYGBEnlnW7gOuA9S8URmrcnpkTan4MI5IkDUO7BxIAMnMPcC0wDpheFs8BngEuBmZHxKSa+luAK4E1EXFoWedY4JLRHLckSSq07ZJNrYgYD1xEsXxzf1ncA9wArAOuAS4A/rbmtquBtwNrgT8ETs/MXQ12eWpEPAb8HPg6sCgzHxvmY0iS1LHafYZkUUTsBLYDZwGzM/PhiDgJOAFYlZm7geuB+bU3ZuZe4DxgFrAiM+9usM8vAq8HXgG8DTga+KcWPIskSR2r3WdIlmXm0kHKFwD3ZuZ95eeVwF9ExMzM3DRQKTO3RcQTFJtZG5KZD9Z83BoRPcAjEfHazPzR0B9BkiS1eyB5nnIz69nAQRHRV3OpnyKobGpxl3vL/zZ0Vr8kSXq+dl+yGcy5FCHhDRTLNgM/PcB7IuKI4TQeEbMj4hXlv18NfBq4JzMfGU67kiR1sgNuhoQiePRm5tbawohYDSym2Ny6fBjtvxf4TES8FPgZcBvFWSeSJKlJXf39/VWPoWN0Ld9zwPyy+y89ELOsJGkENLSl4UBcspEkSW3GP3PrRMRi4LJ9XJ6VmXc12/b6aRvp7u5u9nZJkg5YBpI65ffbLNlvRUmS1DIu2UiSpMoZSCRJUuUMJJIkqXIGEkmSVDkDiSRJqpwHo42idjwYzQPQJEnD5MFokiSpPRhIJElS5QwkkiSpcgYSSZJUOQOJJEmqXMteoYiITcAMYDfwLLAVWJqZN9fU6QXmATMz886y7BBgC7C2/B6ZgbpTgAeACzNzXQP9nw+sBi7PzGV11zYDpwKzM/OWmvJTgc3ADzLzdRHxPWBKeXk8RWB7uqapqcAbgIXACcDLgCMzs29/45MkSfvW6hmSJZk5AZgE3AjcFBFTASLiMOAc4HGgZ+CGzHwKmAMsjIgTy7pdwHXA+kbCSGlB2fa8iBjsuR4C5teVzS/LB8YyLTMnlM9wFbBp4HP5swP4BUXwuaDBcUmSpP0YkSWbzNwDXAuMA6aXxXOAZ4CLgdkRMamm/hbgSmBNRBxa1jkWuKSR/iJiOsXszHnAUcDpg1T7MnByRLymvOdw4N0U4WIoz/ZvmfkF4LtDuU+SJO3biASSiBgPXESxfHN/WdwD3ACsA3bx/BmGq4EdwFpgKTAnM3c12GUPcG9m3grcRjFbUu9JilmbueXnOcDtwKMN9iFJkkZIqwPJoojYCWwHzqLYs/FwRJxEsediVWbuBq6nbvkkM/dSzHDMAlZk5t2NdFjOqHwAWFUWrQTOjIgjB6neC3wwIsaV/fcO9QElSVLrtTqQLMvMiZk5OTNPycwNZfkCihmM+8rPK4FpETGz9ubM3AY8QbGZtVFnAwdTzL4AbCjbmFtfsey/D/goMBH4+hD6kSRJI2TEX/stN7OeDRwXEX0R0QfcAfQz+NLKUPVQ7FV5qGx7G3A4+97c+jngcmBlOSsjSZIqNhrfnHYusBc4nmIfx4AzgRURcURmPtZMwxFxPPBG4F0Urw4POBL4DnAGsLHutjXAD4Fsss+DKF4JHl8WvSQiDgaeycy2+/I8SZLGgtEIJD1Ab2ZurS2MiNXAYorNrcubbHsBcE9mfq2uvC8ibimvPyeQlK8Z395kfwB/yHOXeh4p/3saxZkmkiRpiLr6+/2jfrR0Ld/Tdr/s/ktHI7NKkg5gXY1U8uh4SZJUuTH/529ELAYu28flWZl512iOZzjWT9tId3d31cOQJGnMGfOBpPx+myX7rShJktqWSzaSJKlyBhL/nipHAAAgAElEQVRJklQ5A4kkSaqcgUSSJFXOQCJJkipnIJEkSZXzpNZR1C4ntXo6qySphTypVZIktQcDiSRJqpyBRJIkVc5AIkmSKmcgkSRJlRv26xQRsQmYAewui/qAFZn5qfL6I8DlmbkmIo4GfggclZnbB2mrHzgtMzc3MY7XlG1/MzPfUnftCuCjwKcz809ryg8GdgAvA34bWAicW14+CDgE+GVNUwuA/wS+UVf+QGaeMtQxS5KkQqve71ySmUsBIuKNwB0R8b8y8+star8R84CdwMyImJqZ36+7/n3g/RFxaWY+WZb9MUWAehlAZl4IXAgQEW8CvpWZE2obiYiZwLP15ZIkqXktX7LJzLuB7wLTW932vkTEOGAu8HHgQaBnkGrbgLuB99WUzQd6R3yAkiTpBbU0kEREV0ScChwH3NXKtvfjTGAycD2wCjg/Il4ySL1eihBCREyjGOdXmuhvXERsi4i+iLg1In6vyXFLkiRaF0gWRcROin0Vm4EbgHta1HYjFgC3ZuZPKELJYcAfDVJvA3BMRPwuRTD5AvCrIfb1/wEnUOw5OQ54APh/I+K3mhy7JEkdr1WBZFlmTszMQ4GjgNdTzFSMuIh4LXDGQH+Z+RiwniKkPEdm7gFWAxcB59HEck1m9mXm/Zm5JzN3ZuZfA48D72j6ISRJ6nAjsYdkO/AlBp+hGAnzKJ7jH8sllD6KgPLmclmmXi9FWPnuIBtfm7WXBs/qlyRJz9fyb1GLiFcB7wXuf4FqLylfuR3wbGYOvDY8vu7a3swcdFklIl5EsZn1E8A1dZe/QbG59cO1hZm5NSL+APjxfh9m8D7/EPg/wFbgUOBS4JXAbc20J0mSWhdIFkfEwvLfvwTupPgf9b48XPf5NuDt5b/vqLv2PYq9GoPppnhl95OZ+WjthYj4JHBVRHyk/qbM/PYLjG1/fg+4DjiC4lm3ALMyc9sw2pQkqaN19ff3Vz2GjtG1fE9b/LL7L235xJkkqXM1tKXBo+MlSVLlxvyfwhFxGrBxH5evysyrRnM8w7F+2ka6u7urHoYkSWPOmA8kmfktwGPaJUk6gLlkI0mSKmcgkSRJlTOQSJKkyhlIJElS5QwkkiSpch6MNorG6sFoHoQmSRpBHowmSZLag4FEkiRVzkAiSZIqZyCRJEmVa8luxojYBLwZODszv1RTfjJwN/CjzDy6pnwOsAa4IjM/NkhbM4DdwLPAD4FlmbmuiTq3Z+bSuva/DrwVOCYzH6m71gX0APOA3wF+BfwY+CpwTWbuKOv1A08Be2tu35mZr97Pr0qSJA2ilTMkDwHz68rml+X1FgCPA3MjYtwg15dk5gRgErAaWBsRr2uiznNExLEUYeSJQcYKsApYDHwCmJKZLwfeBewC3lRX9/TMnFDzYxiRJKlJrQwktwC/HxHHAETE/wXMBq6rrRQRvwOcBpwPHAm8Y18NZuYeoJdiJueEZuvU6AG+C1wFfDAifj1DVH6r8AXAOZl5c2b+V9n+I5m5tHbmR5IktVYrA8nTwA3A3PLzOcCdFEsetXqABzLzq8DXKGZLBhUR44EPlR+/32ydst6LKQLHKuB6ipmVs2qqvAPYXn67sCRJGkWt3tTaC/xJOfPQU37+tYg4GDiP38yarATeERH1yx2LImInxT6NpcC8zHygiTq13gO8DLg+Mx+l2BfSU3P9FcB/1o33ixGxMyJ+ERHPeRZgY3lt4OerL9C3JEl6AS0NJJn5IPAjin0Yk4F/qavyXmACxYZWKGZIfkqxibTWssycCBxR1nnLIN01UqfWAuCrmfnT8vNKYNbAEhPwGPCcYJSZ7y/7+CLw4rr23pGZE2t+ztxP/5IkaR9G4rXfz1EEklWZ+WzdtR5gHPBgRPQB2ylmLQbd3JqZT1CElXdFxFn11xutU252fQtFAOkr+15FcZztwObWjcCUci+JJEkaRSMRSG4ETgeuqS2MiNdTvKnyHorNpwM/JwGvAt45WGOZ+Tjwd8BVETHoeBuo00PxavDUmn5/D7iSYonpxZn5TYqZmxsjYnZEHF6O+yjg2IafXpIkDVnLv1UtM58Gbh/k0gJgS2ZuqCvvi4h15fX6awOuAf6CYv/J6qHUKTe9XkDxmvBzNthGxKeAD1Nsbv0yxZs/FwJ/DXwhIp6h2FfyNeDv6/r714jYW1c2ZeDtHEmS1Di/7XcU+W2/kqQO5Lf9SpKk9mAgkSRJlTOQSJKkyrl5YBStn7aR7u7uqochSdKY4wyJJEmqnIFEkiRVzkAiSZIqZyCRJEmVM5BIkqTKGUgkSVLlPDp+FI2Fo+M9Jl6SNMo8Ol6SJLUHA4kkSaqcgUSSJFXOQCJJkipnIJEkSZVr2SsXEbEJmAHsBp4FtgJLM/Pmmjq9wDxgZmbeWZYdAmwB1mbmkpq6U4AHgAszc10D/Z8PrAYuz8xlddc2A6cCszPzlpryU4HNwA8y83UR8T1gSnl5PEVge7qmqanA+4CLgMnAHuAe4C8z88H9jVGSJA2u1TMkSzJzAjAJuBG4KSKmAkTEYcA5wONAz8ANmfkUMAdYGBEnlnW7gOuA9Y2EkdKCsu15ETHYcz0EzK8rm1+WD4xlWmZOKJ/hKmDTwOfyZwewAXhjZh4OHAl8A7i1wTFKkqRBjMiSTWbuAa4FxgHTy+I5wDPAxcDsiJhUU38LcCWwJiIOLescC1zSSH8RMZ1iduY84Cjg9EGqfRk4OSJeU95zOPBuilmVoTzbDzLzZ+XHLmAvcFQ5bkmS1IQRCSQRMZ5iWWM3cH9Z3APcAKwDdgEX1N12NbADWAssBeZk5q4Gu+wB7s3MW4HbKGZL6j1JMWszt/w8B7gdeLTBPn4tIt4cETsplnP+BvhEZj451HYkSVKh1YFkUfk/6u3AWRR7Nh6OiJOAE4BVmbkbuJ665ZPM3EsxwzELWJGZdzfSYTkz8QFgVVm0EjgzIo4cpHov8MGIGFf23zvUByzHemdmTgReDnyYYh+JJElqUqsDybLMnJiZkzPzlMzcUJYvoJjBuK/8vBKYFhEza2/OzG3AExSbWRt1NnAwxewLFHs8nuA3MyG17d8H9AEfBSYCXx9CP8+TmU8Afw98YWCvjCRJGroRf+233Mx6NnBcRPRFRB9wB9DP4EsrQ9VDsVflobLtbcDh7Htz6+eAy4GV5azMcB1E8UbOMS1oS5KkjjQa55CcS7Hx8w0UyzYDPz3AeyLiiGYbjojjgTdSLA/Vtv1G4NXAGYPctoZi0+uKJvv8UPlKMuXYrwV+AXynmfYkSVILzyF5AT1Ab2ZurS2MiNXAYorNrcubbHsBcE9mfq2uvC8ibimvb6y9UL5mfHuT/QGcDCwu39LZBfw78LaaN28kSdIQdfX391c9ho7RtXxP5b/s/ktHI4NKkvRrXY1U8uh4SZJUuTH/53JELAYu28flWZl512iOZzjWT9tId3d31cOQJGnMGfOBpPx+myX7rShJktqWSzaSJKlyBhJJklQ5A4kkSaqcgUSSJFXOQCJJkipnIJEkSZXzpNZRVPVJrZ7SKkmqgCe1SpKk9mAgkSRJlTOQSJKkyhlIJElS5QwkkiSpci177SIiNgEzgN3As8BWYGlm3lxTpxeYB8zMzDvLskOALcDa8ov0BupOAR4ALszMdQ30fz6wGrg8M5fVXdsMnArMzsxbaspPBTYDP8jM10XE94Ap5eXxFIHt6ZqmpmbmjogI4H8AJwO/AjZl5h/tb4ySJGlwrZ4hWZKZE4BJwI3ATRExFSAiDgPOAR4HegZuyMyngDnAwog4sazbBVwHrG8kjJQWlG3Pi4jBnushYH5d2fyyfGAs0zJzQvkMV1EEjQk1Pzsi4neBO4AvApOBV5Z1JUlSk0ZkySYz9wDXAuOA6WXxHOAZ4GJgdkRMqqm/BbgSWBMRh5Z1jgUuaaS/iJhOMTtzHnAUcPog1b4MnBwRrynvORx4N8WsylBcAWzIzN7MfDIzd2dmDrENSZJUY0QCSUSMBy6iWL65vyzuAW4A1gG7gAvqbrsa2AGsBZYCczJzV4Nd9gD3ZuatwG0UsyX1nqSYtZlbfp4D3A482mAfA94C/CIiNkfEzyLi3yPibUNsQ5Ik1Wh1IFkUETuB7cBZFHs2Ho6Ik4ATgFWZuRu4nrrlk8zcSzHDMQtYkZl3N9JhOaPyAWBVWbQSODMijhykei/wwYgYV/bfO5SHK5eSJlEuMQGvAj4DrI+Io4fSliRJ+o1WB5JlmTkxMydn5imZuaEsX0Axg3Ff+XklMC0iZtbenJnbgCcoNrM26mzgYIrZF4ANZRtz6yuW/fcBHwUmAl8fQj9kZj/wC+DmzNxcLtdcR7GBd7BlIkmS1IARf+233Mx6NnBcRPRFRB/FptB+Bl9aGaoeir0qD5VtbwMOZ9+bWz8HXA6sLGdlhuo+irHX80uBJElq0mh829q5wF7geIp9HAPOBFZExBGZ+VgzDUfE8cAbgXdRvDo84EjgO8AZwMa629YAPwSa3Yh6LfDZiPgscA/F8s3RwL822Z4kSR1vNAJJD9CbmVtrCyNiNbCYYnPr8ibbXgDck5lfqyvvi4hbyuvPCSTla8a3N9kfmXljREwGvkSx7PMQ8K7M/FGzbUqS1Om6+vtdaRgtXcv3VPrL7r90NPKnJEnP0dVIJY+OlyRJlRvzfzJHxGLgsn1cnpWZd43meIZj/bSNdHd3Vz0MSZLGnDEfSMrvt1my34qSJKltuWQjSZIqZyCRJEmVM5BIkqTKGUgkSVLlDCSSJKlyHow2ikbzYDQPQZMkjREejCZJktqDgUSSJFXOQCJJkipnIJEkSZXruJ2PEbEIWApckJmfr7v2VuBS4GSK382jwL8B12Tmf5R1NgEzgN11Tc/IzP85sqOXJOnA1FGBJCIOAuYDjwM9wOdrrv0J8A/AFcAHM/PHEfFyoBv478B/1DS1JDOXjta4JUk60HVUIAHOAKYA7wa+GhFvyMwHI2IC8Engqsz8m4HKmfk4NaFFkiSNjE7bQ9IDbMzMW4EHgAVl+SnA4cCNVQ1MkqRO1jEzJBHxW8CZwHvLopXAxyLir4BXlGX/WVP/zyj2mhwE/Dgzp9U0tygiLq1tPzMnjtTYJUk60HVMIAHmUuwd+Wr5eQ3wN8DZwI/LslcDDwNk5gpgRUScSxFMai1zD4kkSa3TEUs25WbWucBEYHtE9AHfBcZRLNv8G/Bz4P2VDVKSpA7WKTMkbweOAk6iZlkG+D3gX4CjgQ8Dfx8RzwDXZ2ZfRBwO/LdRHqskSR2nUwLJAuCfB84SqdEXEXcBCzLzzyLi/1AEk49ExIuAnwB3AbPr7lscEQvryt6fmV9FkiQNmd/2O4r8tl9JUgfy234lSVJ7MJBIkqTKOa8/itZP20h3d3fVw5AkacxxhkSSJFXOQCJJkipnIJEkSZUzkEiSpMoZSCRJUuUMJJIkqXIGEkmSVDmPjh9FI310vMfFS5LGII+OlyRJ7cFAIkmSKmcgkSRJlTOQSJKkyhlIJElS5Yb9WkZEbAJmALvLoj5gRWZ+qrz+CHB5Zq6JiKOBHwJHZeb2QdrqB07LzM1NjOM1ZdvfzMy31F27Avgo8OnM/NOa8oOBHcDLgN8GFgLnlpcPAg4BflnT1ALgCeBS4HhgHPAg8JHM/NZQxyxJkgqtmiFZkpkTMnMCxf/Ql0XErBa13ah5wE5gZkRMHeT694H3R8ShNWV/TBGgAMjMC2ue4/SybELNzw0U4eX/AV4HvAJYC2yMiKNG5KkkSeoALV+yycy7ge8C01vd9r5ExDhgLvBxihmLnkGqbQPuBt5XUzYf6B1KX5l5Q2b+U2buzMw9mflp4BfAiU0NXpIktTaQRERXRJwKHAfc1cq29+NMYDJwPbAKOD8iXjJIvV6KEEJETKMY51eG03FETAeOAP7ncNqRJKmTtSqQLIqInRT7LTYDNwD3tKjtRiwAbs3Mn1CEksOAPxqk3gbgmIj4XYpg8gXgV812GhGTgZuB5Zn5v5ttR5KkTteqQLIsMydm5qHAUcDrKWYqRlxEvBY4Y6C/zHwMWE8RUp4jM/cAq4GLgPMY4nJNXb+/BXwD+Ffgr5ttR5Ikjcweku3Alxh8hmIkzKN4jn+MiL6I6KMIKG8ul2Xq9VKEle9m5veb6bB8W+hbwMbM/LPM9AuBJEkahpZ/G1tEvAp4L3D/C1R7SfnK7YBnM3PgteHxddf2ZuagyyoR8SKKzayfAK6pu/wNis2tH64tzMytEfEHwI/3+zCD93kccDuwOjMvb6YNSZL0XK0KJIsjYmH5718Cd1Kc1bEvD9d9vg14e/nvO+qufY9i8+lguilew/1kZj5aeyEiPglcFREfqb8pM7/9AmPbn8uAKcCfR8Sf15QvKF8LliRJQ9TV3+9qw2jpWr5nRH/Z/Ze2fMJLkqTh6mqkkkfHS5Kkyo35P6kj4jRg4z4uX5WZV43meIZj/bSNdHd3Vz0MSZLGnDEfSMrviJlQ9TgkSdLIcclGkiRVzkAiSZIqZyCRJEmVM5BIkqTKGUgkSVLlPBhtFLXyYDQPQZMktQkPRpMkSe3BQCJJkipnIJEkSZUzkEiSpMrtd2dkRGwCZgC76y7NAD4MzAGeAfYC/wXcA1ybmXfUtXF7Zi4dpO1fl0dEF3AhMA84DngS+AFwXWZ+tu7erwNvBY7JzEfKsvOBf6ip9lLgqXJsAKuBTwH/GzgyM/vK+14OXAmcBRwB/BT4J+CjmbmzrPO68r6HgOmZ+WxZPrN8BneZSpLUpEb/J7qkPkwARATA5zNzXvn5lRQB5daI+KvM/PshjmcVcDrwZ8DXKQJJAFcAvw4kEXEsRRh5ApgPLALIzM8Dn6+p1w+cnpmba8peV/cMhwHfBh4FzgC+B/xO2d83I2JGZv6y5pbJZZ+fGeKzSZKkfWjpX/WZ+RPg7yLipcDHI+ILAzMM+xMRbwIuAGb+/+3debgcVZnH8e9LFiBGCAOJIhASZFVAJC8OCmhcWESiIDKALCJLgss46uDIsGbYFRTHAUaMkLAJAioSdkRR4BnFV1FREAwQlkBMWMKqkEDNH+c01K109+17b+f2bfL7PM99bledqlPn1PrWqVPdEfGLUtLtwM6VyacCdwEzgcPc/diIWNLPYn+Z1CqydUQ8ncf9yd0/Smqd+VfglNL0xwHT3f3CiHiun8sUERGRkmXVh+QSYBSwdR/m2RmYVwlGluLuI0iBy7nABcDqpEct/bUzcFUpGAEgIp4ArgU+XJn+UuAB4PABLFNERERKWg1IjnT3ReW/XqZ/JP9fvQ9lGQvMa2G63YDVgAsiYgFwFanFpL+aLfdR0iOaqsOAL7n7WgNYroiIiGStBiQnRsSY8l8v06+d/z+R/y8GRtSZbgSvdZZdCLRygZ9GatFYmIfPAbZ39/VamLeeZst9S07vISJuA64DlupXIyIiIn23rB7Z7El6u+VXeXguUO1MugKwHnB/HnUNsJa7b9co09wh9f2kAGS+u88nPboxUkfT/rgO2CV3bi0v65+AnUiPber5KrAX8I5+LldERESytnZqdfdxwN6kt16OKHVoPR+4wd2nkAKAFUkX9AK4ASAibnX3WcD33f3zwE3A88CWwH9FxC6kRzMPANvmeWs+A0xz92Miovp6cm++QQqgfuLunyG92rsx6S2aecD/1JspIua4+3eBo/q4PBEREaloNSA52t2rnTj3yv8/5e57kb7r4xngN8DHIuKG2oQRcYu77w0cTXotdzHp7ZkPVTqTHkgKLo4FLiYFJHOAc9x9JKkz6/ER8Vi5IO7+LdJ3onwMuLzFOtXK9rS7b0N6e+YmUr+XhcAVwDG9vElzHLB/X5YnIiIiS9Ov/Q4i/dqviIgsh/RrvyIiItIdFJCIiIhIxykgERERkY5TR4RBdOVG1zJlypROF0NERGTIUQuJiIiIdJwCEhEREek4BSQiIiLScQpIREREpOMUkIiIiEjHKSARERGRjtNXxw+idn11vL42XkREuoi+Ol5ERES6gwISERER6TgFJCIiItJxCkhERESk4xSQiIiISMe17XUNd78ZeDewGHgZuB84ISJ+WJpmBnAwMDkifpHHrQz8Dvh+RBxfmnYt4I/AoRFxWQvL/xQwCzgqIk6spN0KbAPsHhE/Ko3fBrgVuC8i1nf3e4C1cvJIUsD2j1JWG0bEo6X5Lwd2B94dEb/qrYwiIiJSX7tbSI6PiNHA6sDFwA/cfUMAd18F2Bt4EphamyEi/g7sAxzu7lvlaQ2YCVzZSjCSTct5H+zu9ep1N3BIZdwheXytLBtFxOhch5OAm2vD+a8cjOwJjGmxbCIiItLEMnlkExFLgLOAYcBmefQ+wIvAvwK7u/vqpel/BxwHXOjuo/I0bwW+0Mry3H0zUuvM/sA6wA51Jrsc+Gd3H5/nWRXYldSq0ifuPhY4mRQEiYiIyAAtk4DE3UcCnyM9vvlDHj0VuAi4DHgWOKAy26nAo8D3gROAfSLi2RYXORW4IyKuBq6nfqDwAqnV5qA8vA/wU2BBi8soOws4HXiwH/OKiIhIRbsDkiPdfRHwCPAxUp+NOe7+LmAL4NyIWAxcQOXxSUS8Qmrh2B44o9U+GblFZT/g3DzqHGAXd1+zzuQzgAPdfVhe/oy+VtDd9yD1Mzmzr/OKiIhIfe0OSE6MiDERMS4i3hMRs/P4aaQWjN/n4XOAjdx9cnnmiHgYeIrUmbVVewIrkVpfAGbnPA6qTpiXPx84ltT/48Y+LIf8mOmbwEE5gBIREZE2WOav/ebOrHsCG7v7fHefD9wEFLSnD8ZUUl+Vu3PeDwOr0rhz63eBo4Bz+hFUvBN4M3CLuz9OCm4ArnP3E/pVehEREWnfa79N7Au8AmxO6sdRswtwhruvERGP9ydjd98c2Br4COnV4Zo1gd8AOwLXVma7EHgAiH4s8hZgYml4GDCX9Mjol/3IT0RERBicgGQqMCMi7i+PdPdZwNGkzq2n9TPvacDtEXFNZfx8d/9RTu8RkOTXjH/an4VFxIuk/jEAuHtt/S2MiKf7k6eIiIiAFUXR6TIsN+y0JW1Z2cVhgxFHioiItIW1MpG+Ol5EREQ6bsjfarv70cBXGyRvHxH/N5jlGYgrN7qWKVOmdLoYIiIiQ86QD0jy79sc3+uEIiIi0rX0yEZEREQ6TgGJiIiIdJwCEhEREek4BSQiIiLScQpIREREpOMUkIiIiEjH6ZtaB5G+qVVERJZD+qZWERER6Q4KSERERKTjFJCIiIhIxykgERERkY4bcO9Id78ZeDewOI+aD5wREd/K6XOBoyLiQnefADwArBMRj9TJqwC2i4hb+1GO8TnvX0bE+ytp04Fjgf+NiM+Wxq8EPAqsBkwEDgf2zckrACsDz5eymgY8BPw3MAEYBtwHnBARP+prmUVERCRpVwvJ8RExOiJGky7oJ7r79m3Ku1UHA4uAye6+YZ30e4G93H1UadwnSAEUABFxaKkeO+Rxo0t/FwH3ALsBqwNjgC8CF7r7JsukViIiIsuBtj+yiYhfAXcBm7U770bcfRhwEHAy8Cdgap3JHgZ+BfxLadwhwIy+LCsiFkTEgxFRkF5leoW0HtfvR9FFRESENgck7m7uvg2wMfB/7cy7F7sA44ALgHOBT7n7inWmm0EKQnD3jUjl/El/Fujui4AXgVuAXwM39CcfERERaV9AcmS+QD8P3ApcBNzeprxbMQ24OiL+RgpKVgE+Xme62cB67v52UmByPvBSfxYYEWOA0aTHN9cAS/qTj4iIiLQvIDkxIsZExChgHeBtpJaKZc7d1wV2rC0vIh4HriQFKT1ExBJgFvA5YH/6+LimTn4vRsQVwPtIfVhERESkH5ZFH5JHgEup30KxLBxMqsf33H2+u88nBSjvy49lqmaQgpW7IuLeNpVhOLBBm/ISERFZ7rT9R1Hc/c3AHsAfmky2Yn7ltubliKi9NjyykvZKRNR9rOLuw0mdWU8hvYpb9nNS59Z/L4+MiPvd/b3AY71Wpv4ydye9sXM3af3tB3wAOLU/+YmIiEj7ApKj3f3w/Pl54BfAYU2mn1MZvh7YKX++qZJ2D6nzaT1TSN8hcnpELCgnuPvpwEnufkR1poi4rUnZerMmKQBak9T/5B5g74i4cQB5ioiILNf0a7+DSL/2KyIiyyH92q+IiIh0hyF/q+3u2wHXNkg+KSJOGszyiIiISPvpkc0gmj17djFlypROF0NERGQw6ZGNiIiIdAcFJCIiItJxCkhERESk4xSQiIiISMcpIBEREZGOU0AiIiIiHaeARERERDpOAYmIiIh0nAISERER6TgFJCIiItJxCkhERESk4xSQiIiISMcpIBEREZGOU0AiIiIiHaeARERERDrOiqLodBmWGyuuuOKfXnrppX90uhztMHz48DWWLFnyeKfL0Q6qy9CkugxNqsvQ0wX1eLwoip16naooCv0N0t+kSZOi02VQXVSXbvlTXYbmn+oy9P5eL/XQIxsRERHpOAUkIiIi0nEKSAbXdztdgDZSXYYm1WVoUl2GptdLXV4X9VCnVhEREek4tZCIiIhIxw3vdAFeD9x9Q+A8YHXgCWD/iPhrZZphwLeBnYACOCUivtdb2mBrQ12mA58FHs2T3xYRnxuc0vfUYl12AE4CNgP+JyIOK6V123ZpVpfpdNd2ORrYC3gZWAwcERHX57RRwExgErAEOCwirhq8GrxaxoHWYxbwIaD2uuZlEXHi4JS+pxbr8mngS8ArwDBgRkR8O6d127HSrC7T6aJjpTTtRsAdwFm1Y3+oHCutUgtJe3wHODMiNgTOBM6uM80+wPrABsC7genuPqGFtME20LoAnB8RW+S/jhzIWSt1uR84GDi1Tlq3bZdmdYHu2i63A1tFxObAgcAP3H3lnHYY8ExErA9MAb7n7qMHodxVA60HpAt3bZt0JBjJWqnLD4F3RMQWwHuAf3f3zXNatx0rzeoC3XWs1ALCszy/adcAABFUSURBVIErKklD5VhpiQKSAXL3ccCWwMV51MXAlu4+tjLpnqQo/JWIWEjacfZoIW3QtKkuQ0KrdYmIORHxe9LdQ9WQqGeb6jIk9KEu10fEC3nwj4CR7hIhbZez83R/BQL48DIueg9tqseQ0Ie6PBMRtU6Ho4ARpNYQ6L5jpVldhoQ+nI8BDgeuAu6tjO/4sdIXCkgGbh1gXkS8DJD/P5rHl40HHiwNP1SaplnaYGpHXQD2cvc/uvsN7v7uZVngJlqtSzPdtl16063bZX/gvoh4JA8Phe3SjnoAfNnd73T3K9x9k2VX3KZarou7f9Td/0xa/6dGxJ05aShsE2hPXaCLjhV3fwewI3B6nTyGynZpiQISabfvABNzE/WpwE/cfUjdES6nunK7uPv7gOOBvTtdloFoUI8jgfUjYjPgR8B1uel9yIqIKyPi7cCGwH6530JXalKXrjlW3H0E6ZXfQ2uBSzdTQDJwDwNr1U4k+f9b8viyh4B1S8PjS9M0SxtMA65LRMyPiMX58415/KbLuNz1tFqXZrptuzTUjdsl35leCOwaEfeUkobCdhlwPSJiXkS8kj+fD4wG1h6Eslf1ef+KiIdI/WN2yaOGwjaBNtSly46VNYG3Ate4+1zgi8Ah7l77XpKhsl1aooBkgCJiAfB7Xrvz2Ru4Iz9HLbuMtKOskJ8B7gpc3kLaoGlHXdx9rdpE7r4FMAG4h0HWh7o0023bpaFu2y7uvhXwA+ATEfG7SjaXAdPydBsAWwHXLctyV7WjHpVtsiPpTZx5y7Lc9fShLpuUPq8BvB+oPeboqmOlWV266ViJiIciYo2ImBARE4BvkfryTM2TdPxY6Qu99tsehwLnufsxwFOkZ8W4+zXAMRERwAXAPwO1V7aOi4gH8udmaYNtoHU5yd0nkU6uLwH7RcT8waxASa91cfdtgUuAVQBz972AgyK9mtlV26WXunTVdgHOAlYGznb32nz75ef8pwKz3H0OqT5TI+LZQa4DDLwe57n7m0ivnj4DfDQiOtUhuZW6TPX0avliUufcMyLihjx/Vx0rNK9Ltx0rzQyVY6Ul+qZWERER6Tg9shEREZGOU0AiIiIiHaeARERERDpOAYmIiIh0nAISERER6TgFJNKUme1oZreUhieb2dwOFmnQmNksM2vbL5aa2QQzK0rDY83sQTNbo4V5DzWzC9pVlm5gZtuZ2aJOl2N5ZGb79uU4b/exIs0tq2OjH9v9FDM7vl3LV0AiDZmZkX4f4dhepvuMmf3JzJ4xs6fMLMxsz1L6XDPbt858S4235N6c1+hK2mQzK8zsufz3qJnNNLN/GlhNO6MoioXA9+l9/b4BOA6YPgjFGjKKorilKIoxnS5HI2Y23cx+2ulyLA+W1bo2s5vN7Kh257usVY+NDu6LXwM+Z2Zr9TplCxSQSDM7ACOBnzeawMz2Jl1QDwJWJX218ZdIX+LTH+8H1iN9WVS93y95uSiK0UVRjAa2Jf3U+bf6uayh4Fzg02a2SpNp9gXuLIrivkEqUw9mNszMdK4QkR6KongKuJb8bbADpZPMEJFbC44ys5/nu/87zWxzM9vbzOaY2dNm9j0zG16aZ7yZXW5m883sMTP7rpm9sZR+kpndn/O7z8y+WEqbkFsb9jOzu8zsWTO7wczWLBVrV+CnRfNvz3sP8MuiKH5dJH/P0fsNTeZpZhrpq40voJedvCiK+0k/uf3OapqZDc/rZNfK+FlmNjN//qCZ/Tq36iw0s0vMbFyj5eX1tW1peLKZLSkNDzezI3ILzyIzu83MvH5ur9bhr8DjwIeaTLYrcGOlLP9mZn/J2+0hMzvZzIbltFPN7IrK9JPztG/Iw5ua2fW53rX5R+S02r5xkJndBbwAjDOzvczsD7n16jEzO7uWX57vzWY2O++r9+b5CzObUJrmkNya9rSZ3WFmOzSqdJ31O8vMLjCzc/P6nZePjy3M7De5fj83s7eU5plrZseY2a35OAgz26qU3nQfMLMReZvek/O/z8w+YakF8Ahgsr3WYrdeg3q8Ly/j6bzNppXSJpvZEjPbM+f9tJldWj6O6+TXn3PF5mb2s1zP+/P8w0rp78rr5jkzu5V0U1Be5igzO83MHjCzJ83sOjNbv1EZ65R5dTM739K5ar6ZnWellk2rtJaW9sG1G61rMzsg1/ereX9cYGbfqLMfr13K9wAzm5M/nwFsBxyd86z79fCWWh9uMrOv5X3kCTP7spmtm9fps2b2WzPbpDTPgI6V0r4+o7SvL7Xf5M9N10+lLj0erbVpu99IOkcNXFEU+hsCf8Bc0tcubwKMIP0Y132kX3J8A+lHkRYA++TpVwLmkJryVwZWA64Bzi3luS+pxcKADwB/B3bMaROAgnRBX4P0deO3ATNK8/8a+EKlnJOBuaXhPYB/ACcAHwTGNKjbvr2NB8YCLwIfJwUZBTCpsuwlpeH1Sb8xcW6Ddfp14IrS8GjgOWC7PLwt6bcdhgNvBn4JXFyafhbwvdJwAWzbpDwn5nW2HjCM1Gr0OLBaeZ3XKeds4IQm+8bfgI9Wxu0OTMzb9p15mmk57W2kr7weW5r+POCc/Hkc8AQp4BsJrAUEcExl37gpr5eRuT4fBt5OupFZH7gLOLm0jJuAH+Z9aRxwc85nQk4/hLTPviPnsXPeHus3qHd1/c4i7cMfyfMfmue/kvSjdKOAn9FzH55L+sn2SbkehwMLgVVa3Ae+luu5eV7XawOb57TppIC92XE9MZf5gLyMrYEngT1KdSyAc0j755tI54Ej23iuWDXvH0cDK+b57ge+Ukp/Iq+bkXl9zKfncX4R6VzxpjzNfwF/AUbUO1bqlPk60n6+Wv67Gri6yblgQl4vazda13mdLgbOJJ0D3wrcCxxRL4/SPHNKwzcDR/WyDafn5RzMa8fBy8BPK9vgxtI8Az1WZpH2m4/mPD6ey7Bug2Oj0fqZUxn36nZqx3bP00witWiPbLYeW/kb1Iuu/pru9HPJJ4g8vHPeQcsXlUuB0/PnTwD3VfKYRLqgD2uwjMuBr+fPtYN1q1L654A7SsP3AgdU8phc3mHzuF1IP5/+t3yg/hzYtFK354FFlb9X6HkS+g/SibR2kvsdcHZl2UWe9yngAdJPhS8VBOXpNyFdmMfl4QOBe5tsg12ABaXhVw/ePNwwICFdrJ4F3lvJ885aHWkckFwEnNWkXC8Bk3vZf04DLi0N/xr4Uv78xrz+t8nDhwE/q8y/O/nkVdo33tvLMj8P3J4/r53nWa+U/kF6nmT/BOxfyWM2DS4I1A9IyhexUTn/PUrjPkvPfXgucHxp2Ei/gPrJ3vaBPO1zwEcaTDud3gOSI4DbKuNOBq6v7NPl4/xU4MdN8pxL384VnyT9wquV0qcB9+TP++R1Uk4/kXyck25YCmB8KX0F4Gny8UCTgIR0U1QAG5TGbZTHrVmqU38CkheBUaVxB5OP8WoepXn6E5D8uTJuQZ1t8FQbj5VZlPb1PG4h8LEGx0aj9dMsIBnwds/jNsjTjWu2Hlv504/rDS2PlT6/QOovsbAyrtaUOxEYb0v3tC5Id3rzzOwLpLvStUkn15VJnSgbLfP5Uv6QLvrN+jakBRbFVaQoGjPbmPSDYleZ2cQi77Gku/cLy/NZqTe3mVku64VFUSzOo88BTjGzw4qiqP0g1MtFix0di6K428x+R2op+ibwaWBmaZmTgJNId+yjSOtodJ2sWrFGnne2ld6kId099faT8quQgqtGltoOlvrufJnUGjOcdPfyq9IkM4HPkDol/wvwSFEUt+W0icA2lX3HSHd/ZXMry9weOAbYmHSnPYx0YobUygLpBFfzYCW/icCZZvbt0rjhwCO07tX9tSiKF9Jus9RxU33cMbc0T2FmD5G3SS/7wFhSi8O9fShf1TosvW3vAz5WGq4e59XjsJ6+nCvWAR4sHYu1MqyTP69dJ71c5on5/x/z+q4ZUcqjmdo05TzvK6U9Rv8tKIrihdLwXHo/3vqjWsYXaLLfteFYqbfMVvaLvmjXdl+F124UB0R9SLrXg6Q7gTGVv5WKophnZtuQmpunAWvki/hs0gm3VXeQmv9bVhTFX0gXwXVJTbOt+gCpafPA2nNmUvPgaNIdXn/NBA7Izz23Bs4vpV1CaoXZsCiKVajfibbsOdIFquYtpc+Pk04YH6psjzcURXFKL/luSlrXjfTYDma2DqmJ+ATSHeaqpGbr8ra9BNjQzLYk3SnNLKU9SLqbKpdz1SJ1FC57pbTMkcAVOd/xeX19tbTMefn/+NL85c+15R5YWe7ooig+06Tu7TCh9iEHvuN5LQhqtg8sJF1oNmiQ7ysNxpc9XF5+tl4eP1geBta1nleVchnm1UmfUPpcu1huUNl2o4qiuLjF5VfzXK+S9iyNjy1ovK7HmdmoSrlr27Z2E9OffPutTcdKX9WrR3WdQs/6t2u7b0pqQXqpn2V/lQKS7nUVMNJSh7s3WrKWme2W01chPT5ZCBRm9hHSc82+uILUlNiQmR1oZntY/i6N3IHsUOCuoiie7MOyppGe328MbJH/NiVdSKf2sdxll5ACnW+TnvHOK6WtQmp+fNbMxpOepTbzW+BTZjYydz77ci0h32X8N3CamW0AYGajLX2PS/Uk+KocKI0lPY9u5Ap6dnodTTp2FwKLzWxrYL/yDEVRLAJ+TApatib1Iak5H/C87VYysxVyJ7idmpRhJOlO76miKP5uZm8jNUPXlvcIqfn7lLw/jgWqr1OeDky31AnVzGxlM9s2t6otSwea2ZaWOjt+hdQScnVOa7gP5G16FvB1S52AzVIny83zJPNJrZQjmyz7YmCSme1vqdPzu0j7+jltrWFzV5O23RF5392IdIGsleEq0j71FUudeLck9X8CoCiKBaSW1bMsv95pZmPMbDervJpfT1EUjwI3AN/I860GfAO4tiiKWivAb4G98zEzltTfpazRul4B+Frel9YjPY48Ly/3CXIQbOlNsc1IrbDVfFvunNuidhwrfVVv/fyeFLDtko/x3YD3ltLbtd23J52jBkwBSZfKzZQfIN05/4V0Ur2JdCEHuJ504bmddPf+CdIFqi+uB5aY2eQm0zxFejRwt5k9T+q7sIj0LL4llt5q2BU4rSiK+eU/UivPO62Xt1UaKYriaVK9P0x6xbZsKumZ87OkPjCX9ZLd50knrydJz+hnVdKPBX4C/MTMniF1PDyU5sfZgcCsXM5GLgDekU+4FEVxd2lZi0gX0Xp3qjNJ9b6+dOInr9f3k9b5XNI2/DGVHvZlRVE8R9rOXzez50gtMtXHf58kXewfIXWQrq3PF3MeM0gdjWfmZT5EuvCMaFL3dvguKSB9CtiT1Cektr572weOJG3rK/I0N/PaBewy0h3+fEtvQkyszEtRFA+Q+hd8ntSB8ALg6KIoLm1X5XqT67oDKaj9G6+dG76Z0xeROgrvSVpH3wb+t5LNIaQO5Deb2bOkvlF7kJrqW7Evaf3dQzpfLQL2L6UfRbqBeoy0ji+pzN9oXT9I2t8eIJ17riPtYzWfIp2Lns71rQaCp5OC80Vm9ucW69JUO46Vflhq/RTpawL+jbT/PwnsROpIWyvngLe7mY0h7d/f6We5e7Cej49Eesp3zUcURfHePDyZdAGd0MlydaPcqvJAURSWh8eS3m7xyvP/evMeSuqUul+z6YYSM9uRFDStXHToRGOpn9JR1f5L0v3M7ADStm13C8egGwrHSn+Y2cmk/ktt+XI5dWqVpoqiuI501yFtloOQdVuc9ju06S5kWTGzLUjPsu8kdYg7AfhBN51gRQbD6+VYKYriP9uZnx7ZSF/Npbu/GbWTFpE66r5erUZ67PEccCvwR1KTsYj0pGOlDj2yERERkY5TC4mIiIh0nAISERER6TgFJCIiItJxCkhERESk4xSQiIiISMcpIBEREZGO+3+ee4AeFeOpcgAAAABJRU5ErkJggg==\n",
      "text/plain": [
       "<matplotlib.figure.Figure at 0x7f82461c5c18>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "shap_contribs_hf = gbm.predict_contributions(valid)\n",
    "shap_contribs_matrix = shap_contribs_hf.as_data_frame().values\n",
    "shap_contribs = shap_contribs_matrix[:,:-1] # remove constant intercept column\n",
    "shap.summary_plot(shap_contribs, x_names, plot_type='bar')"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "`PAY_0` is by far the most important variable in the model. Perhaps too important, as will be demonstrated below."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## 3. Conduct Residual Analysis to Debug Model\n",
    "Residuals refer to the difference between the recorded value of a dependent variable and the predicted value of a dependent variable for every row in a data set. Plotting the residual values against the predicted values is a time-honored model assessment technique and a great way to see all your modeling results in two dimensions."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Bind model predictions onto validation data \n",
    "To calculate the residuals for our GBM model, first the model predictions are merged onto the validation set. The validation data is used here to see how the model behaves on holdout data, which should be closer to its behavior on new data than analyzing residuals for the training inputs and predictions."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 12,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm prediction progress: |████████████████████████████████████████████████| 100%\n"
     ]
    }
   ],
   "source": [
    "yhat_name = 'p_DEFAULT_NEXT_MONTH'\n",
    "preds1 = gbm.predict(valid).drop(['predict', 'p0'])\n",
    "preds1.columns = [yhat_name]\n",
    "valid_yhat = valid.cbind(preds1[yhat_name])"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Calculate logloss residuals for binomial classification\n",
    "Logloss is one measure the GBM model used to make it's decisions. Logloss residuals can be calculated, analyzed, and explained in many ways to understand more about the model's errors. "
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 12,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Mean logloss residual: 0.431811\n",
      "Logloss from h2o 0.431811\n"
     ]
    }
   ],
   "source": [
    "# shortcut name\n",
    "resid_name = 'r_DEFAULT_NEXT_MONTH' \n",
    "\n",
    "# convert to pandas for easier handling\n",
    "valid_yhat_df = valid_yhat.as_data_frame()\n",
    "\n",
    "# calculate logloss residuals\n",
    "valid_yhat_df[resid_name] = -valid_yhat_df[y_name]*np.log(valid_yhat_df[yhat_name]) -\\\n",
    "                       (1 - valid_yhat_df[y_name])*np.log(1 - valid_yhat_df[yhat_name])   \n",
    "    \n",
    "# check that logloss is calculated correctly\n",
    "print('Mean logloss residual: %.6f' % valid_yhat_df[resid_name].mean())\n",
    "print('Logloss from h2o %.6f' % gbm.logloss(valid=True))"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Plot residuals\n",
    "Plotting residuals is a model debugging and diagnostic tool that enables users to see modeling results, and any anomolies, in a single two-dimensional plot. Here the pink points represent customers who defaulted, and the blue points represent customers who did not. A few potential outliers are visible. There appear to be several cases in the validation data with relatively large residuals. Understanding and addressing the factors that cause these outliers could lead to a more acccurate model."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 13,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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47bXXAH/Ne9999+Xiiy/mxz/+8ZDee+zYsfzwhz/c4HhNTQ233norJ510Ei0tLYD/jAceeGCg+IfroIMOYt68eWy11VaMGjVqXZJPJRtqxWU2zZw5082fPz+1L7oCeACoAkYDLUAjcDBK7iJ5bsmSJUybNi3bYYis09/fSTNb4Jybmey5GoqPewmf1MfgfytjYo9fymZQIiIig6Oh+LiVwOQ+x0YDH2UhFhGRHDdnzhzuvffeXseOPPJIzjnnnIy8/8yZMzdYGObPf/4z22+/fUbeP5cpscdV44ffx/Q41hI7LiIivcRXpMuWlF+OzSMaio+rxV9TbwKisZ+NseMiIiIjhBJ7XA2+UG4Ufvh9FCqcExGREUdD8T3VoEQuIiIjmnrsIiIieUSJXURksFYA9wE3xH6uGP5Laj/2wtiPffHixXz605+mtLQ00Ba0Q5HWoXgzKwOeBUpj73W3c+6CPm1KgduATwKrgSOcc0vTGZeIyJD1XMxqMn72zAMMuyZH+7EXxn7sEydO5Kqrruq1q12qpbvHvhbYzzk3HZgBHGBmu/dp802gwTm3NfBb4CJERHJVBhaz0n7s+bsf++TJk5k5c2avLxupltbE7ryW2MPi2K3v39KDgVtj9+8GPmep3j9wsF4CfggcG/up1edEJG4lfvGqnkbHjqeQ9mPPz/3YMyHtVfFmFgYWAFsD1zjnXujTZAqwHMA512Vma4AJwCqy4SXgklgEm+Hnsl8C/D80p11EsraYlfZjD077saeZc67bOTcDf/VpNzPbcSivY2Ynm9l8M5u/cmWKvxr3dDc+qU8Awj3up+9yiIiMJBlazEr7sefnfuyZkLGqeOdcI/B34IA+p94DNgUwsyJgLL6Iru/zb3DOzXTOzUz13rUbRFMV+/kEcD/wMpC8XkRECkEGFrPSfuz5ux97JqS7Kr4aiDjnGs2sHNifDYvjHgS+ATwPHAo85bK5l+wU4E1gCVCOH25rjN1eQsPxIpKWxay0H3th7Me+YsUKdt99d5qamgiFQlxyySX85z//YdSoUSl7j7Tux25mO+ML48L40YG7nHNzzGwOMN8592BsStwfgV2Aj4EjnXPvJHrdtOzHHvcScFws4iqgA2gHpuGrBFSzL5J3tB+75Jrh7Mee1h67c24hPmH3PX5+j/sdwGHpjGNQaoGp+B76GnyPfTqwEfC/7IUlIiIShNaK78904AN8T70NaAa68MP0IiKi/dhzmBJ7f/YGLgDG4YfjG4B3gMOzGZSISO7Qfuy5S2vF9ycCfAVfn78q9vMrseMikpeyWbMr0tNw/y6qx96flfgFcHftcSyKn9oiInmnrKyM1atXM2HChJQv1CIyGM45Vq9ePaRFdeKU2PuTpZWlRCQ7ampqWLFiBWld/EokoLKysl5TDgdLib0/tfjdmsCvAd2Cr5L/TNYiEpE0Ki4uZosttsh2GCIpoWvs/cnAylIiIiLpoB77QNKwspSIiEi6KbEnswK/Gt1K/DX2WpTwRUQkZ2koPpEV+GvtbcDk2M8HYsdFRERykBJ7Ii/hF6gZg/9NjYk9fimbQYmIiAxMiT2Rlfiq+J5Gx46LiIjkICX2ROLz2XvSfHYREclhKp5LJD6f/W3gVdZPfTsjm0GJiIgMTIk9kRpgc+B3+AVqDKgEfosvpqvNXmgiIiL90VB8Mnfit2+dDGwGlANLgSuzGJOIiMgA1GNPZgG+Gn5U7PEo/IYwC7IWkYiIyICU2INaCzTjt27tBoqzG46IiEh/NBSfzEzgY+ADfEJ3QCt+PrsWqhERkRyjxJ7Md/FD8d34BN+IH47fCy1UIyIiOUeJPZlaYG9gEr5wrhtYA9wD3JvFuERERPqhxB5EJbAR/vr6OHyFfBfwN+ChLMYlIiLShxJ7EOOBf+N/WxH8cHwEKAVuymJcIiIifagqPoht8Im8I3Zz+N9cGHg3i3GJiIj0ocQeRC3+2nrPdeO7WT80LyIikiM0FB9EDb5wLoJfnCb+W4vgr7WLiIjkCPXYg4oAE/FD8fHr62VAWzaDEhER6U2JPagy/CYwRaxfgS4SOyYiIpIjNBQf1B74FedW4TeF6Yzd1qIpbyIikjOU2IP6Lv76ejT22GK3duD8bAUlIiLSmxJ7ULX46W0l+IQewm8EY8BitLysiIjkBCX2wSjHJ/di/DX3Evxv0AE3ZzEuERGRGCX2wdgNXxUfxV9fj19rr8T32kVERLJMiX0wzsX31Lt63KL4KW8fZzEuERGRGCX2wagF9sEn955FdJ3AUlQdLyIiWafEPlifYf219fjN8L33i7MYl4iICErsg7cNvocepvdvLwoszEpEIiIi6yixD1YtPom7HsccfhW6NmBFNoISERHxlNgHqwaYwPriOcf66+0h4NEsxSUiIoIS+9B8ivWL00RZv2BNOfB09sISERFRYh+KA4HR+OQeL6AL43vw/81iXCIiUvCU2IfiAKCC9bu9leKTfBT4EF1nFxGRrFFiH4oaYBP8fPYQfoe3+D7tEbRuvIiIZI0S+1B9At9T78L32svww/FrgCezGJeIiBQ0Jfah+iy+p16KL5qL/xyDeuwiIpI1SuxDdQC+l16Gn/LWgZ/H3gmszmJcIiJS0JTYh6oGmIHvpXfik3sRfmi+BfXaRUQkK5TYh+N0/Nat8Xns8a1cy4A/ZDEuEREpWErswzELf009Xg0PPqk3As9kKygRESlkSuzDFcUvMVuBn8vehb/e/j80n11ERDJOiX24qoBm/HX1TnzPvSv28/YsxiUiIgVJiX24Pg10x+5H8Um9O/bz1mwFJSIihUqJfbhOYv3e7N09jkfx68Y/lI2gRESkUCmxD1ctfhW6SJ/jDt9rvzjjEYmISAFTYk+Fo/CJvD+vZDIQEREpdErsqXB0gnOtGYtCREQkvYndzDY1s7+b2RtmttjMzuinzWfNbI2ZvRq7nZ/OmNKiBigZ4FwUuCVzoYiISGErSvPrdwFnOedeNrNKYIGZPe6ce6NPu38452alOZb02gpYMsC52cAJmQtFREQKV1p77M65D5xzL8fuN+NT35R0vmfWnJ3gXEPGohARkQKXsWvsZjYV2AV4oZ/Tnzaz18xsnpntMMDzTzaz+WY2f+XKlWmMdIhOSHJem8KIiEgGZCSxm9lo4B7gTOdcU5/TLwObO+emA1cB9/f3Gs65G5xzM51zM6urq9MbcDqcmO0ARESkEKQ9sZtZMT6p3+6cu7fveedck3OuJXb/EaDYzCamO660GJXg3OKMRSEiIgUs3VXxBtwELHHOXTZAm41i7TCz3WIxrU5nXGnzsyTnNRwvIiJplu4e+57AccB+PaazfcnMTjGzU2JtDgUWmdlrwJXAkc65gZZ7yW2zk5z/VUaiEBGRApbW6W7OuecAS9LmauDqdMaRUdXAQLV9f8tkICIiUoi08lyqfT3BOa1CJyIiaabEnmonJTmv3d5ERCSNlNhTrTbJ+TMzEoWIiBQoJfZ02CbBubeBFZkKRERECo0SezpcmuT8tRmJQkRECpASezrMAsIJzt+eqUBERKTQKLGny14Jzq1Aw/EiIpIWSuzpcnGCc1E0HC8iImmhxJ4utcAnEpyfm6lARESkkCixp9O3EpxbnrEoRESkgCixp9PRCc51o01hREQk5ZTY06kGKEtw/nuZCkRERAqFEnu67Zzg3IuoOl5ERFJKiT3dfpLgXBSYl6lARESkECixp1uyxWp+n6lARESkECixZ0KixWpeQ0V0IiKSMkrsmXAxA/faO4ErMxiLiIjkNSX2TKgFPpng/N2ZCkRERPKdEnumJCqi6wAeylQgIiKSz5TYM2VWkvNXZSQKERHJc0rsmVSc4NwrGYtCRETymBJ7Ju2a4NwqVB0vIiLDpsSeSYmG2x3wg0wFIiIi+UqJPZNqgekJzj+DlpgVEZFhUWLPtKOSnD8vI1GIiEieUmLPtGOSnL8jI1GIiEieUmLPtBqgJMH5tWhOu4iIDJkSezackuT8xRmJQkRE8pASezZckeT8sxmJQkRE8pASe7Z8Isn5MzIShYiI5Bkl9mz5UZLz12QkChERyTNK7NlyQpLz3WglOhERGTQl9mw6Mcn5X2UkChERySNK7Nl0c5LzT2QkChERySNF2Q6g4H0Gv5Rsf5rxw/G1mQtHRESCq2+I8OayCI3N3VRVhtl282ImjUu0lWf6qceebcnmrJ+ckShERGSQ6hsi1C1sp2NtlHFjQnSsjVK3sJ36hkhW41Jiz7ZaYFqC86+ilehERHLQm8siVJSFqCgPETKjojxERVmIN5cpsctvkpw/MyNRiIjIIDQ2d1NeZr2OlZcZjc3dWYrIU2LPBbOAsQnOv42mvomI5JiqyjDtHa7XsfYOR1VlOEsReUrsueK4JOe/m5EoREQkoG03L6a1I0pre5Soc7S2R2ntiLLt5iqeE4AfAqMSnH8hU4GIiEgQk8YVs8fO5ZSVhmhoilJWGmKPncuzXhWv6W65ogb4GXBWgja3kHzFOhERyZhJ47I/va0v9dhzyewk51VEJyIiSSix55pEX/zWAOdnKhARERmJlNhzzalJzv8yI1GIiMgIpcSea64g8Z9KN1qwRkREBqTEnosOTnL+sIxEISIiI5Cq4nPRucB9Cc53oM1hREQyKBc3exmIeuy5qBb4RJI22qtdRCQjcnWzl4Eoseeq25Ocvz8jUYiIFLxc3exlIErsuSrZMLtDU99ERDIgVzd7GYgSey67NMn5n2UkChGRgparm70MRIk9l80GLEkb9dpFRNKmviHCmpYuXljUzsv/bqehuStnNnsZiBJ7rku2q9svMhKFiEjBiRfNlRaH2HW7UjB4+d9rWRuJ5sRmLwNRYs91VyQ5HwUOz0QgIiKFpWfRXFVlEbtuW87uO5YzdnRRziZ1CDCP3czuw5dq9cs597WURiQb+jTwfILzf8lUICIihWP5R52xYXfH6PIQU6qLqKwI0dCUm0VzcUEWqLk69tOA3wGnBH1xM9sUuA2YjP9ycINz7oo+bQzfL/0S0Aac4Jx7Oeh7FIS7gM3xvfOBXEby3eFERCSQ+oYI76/qImxGZUWIzohjydJONt+oiEnjc7e3DgESu3Puyfh9M2vp+TiALuAs59zLZlYJLDCzx51zb/RocyB+OZZPAJ/Cf3n41CDeI//VAOeQeAOYH6PELiKSIm8ui7DFxsUs+7CLzkiU0mJjbScs/aCLvXcZle3wEhrsNfYBh+T7bezcB/Het3OuGVgCTOnT7GDgNuf9C6gys40HGVf+S7brWwdwSwbiEBEpAI3N3UyeUMS0qcUUF4dobnNUjDI2nhDO6evrEOwa+5geD8Oxnve6SVjOuaYgb2RmU4FdgBf6nJoCLO/xeEXs2Ad9nn8ycDLAZpttFuQt80sN/mLFIwnanAickJFoRETymp+7HmXs6CLGjvapsrU9Sllp7tecB4lwMbAo9nM88EaPx4uCvImZjQbuAc4M+kWgL+fcDc65mc65mdXV1UN5iZHv+gBtzkh7FCIieW/bzYtp7YjS2h4l6lzOz13vKUhi/7RzbjPn3KY9bvHHSbvOZlaMT+q3O+fu7afJe8CmPR7XxI5JXzXA9CRtrsxEICIi+W3SuGL22LmcstIQDU2+p57Lc9d7ClIV/yCw61BePFbxfhOwxDl3WYLXP93M7sAXza1xzn0wQFv5PbBbkjafAwZT4igiIhuYNC53t2ZNJEhiT7aoaSJ7AscBr5vZq7FjPwI2A3DOXYe/avwl4C38dLcTh/F++a8WP76xPEGbpzIUi4iI5JwgiX2KmQ3U28Y5N+AkK+fccyT5YuCcc8BpAeKQuHtI3ms/g+Sr1omISN4Jktjb8YVykiuC9NqvRIldRKQABUnsq51zN6U9Ehmca4GDkrTRanQiIgUnSGLP7UVxC9UsoBJoTtDmLJTYRUQSqG+I8OayCI3N3VRVhtl285FZMNdTkOluB5vZJgPd0h6hDCzI1LaT0h6FiMiIFN+WtWNtlHFjQnSsjVK3sJ36hki2QxuWID32J/FLyfYsgnP4xWqqgXAa4pIgTsDPKUi0u9sfgDn4OfAiIrJOz21ZASrKbd3xkdxrT9pjd85Nc85tH/s5DfgCPtm3AP8v3QFKEncFaHM5y4HsAAAgAElEQVR82qMQERlxGpu7KS/rPXGrvMxobB7ZV6ADL3prZlua2Y3AE/gq+e2dc79NW2QS3GFJzv8deCkTgYiIjBx+Pfjee5u1dziqKkf2QHTSxG5m08zsj8BfgeeAHZxz1znnOtMenQQTpNf++bRHISIyoozk9eATCdJjXwTsjR9+3xn4jZldFr+lNToJ7tIk55uA8zMRiIjIyDCS14NPxPzCbwkamH0z0flszHGfOXOmmz9/fqbfNveFgWiC80XAyC72FBEpWGa2wDk3M1m7pFXxPRO3mZXFjnUMLzxJix8DP0twvgu/270q5EVE8lag4jkz+7aZvQN8CHxoZm+b2cnpDU0GbQ4wOUmbnTIRiIiIZEvSHruZnQt8FjjAOfef2LFtgCvMbIJz7lfpDVEGZT69d7fvqxG/at1DmQlHRCRX5OMqc/0J0mM/AfhqPKkDxO5/HW2xmntqgH2TtHkYPyQvIlIg8nWVuf4ESezOOdfez8E2EpdqSbbcFqDN4WmPQkQkZ/RcZS5kRkV5iIqyEG8uK8zE/oGZfbbvQTP7DP6au+SaGpIvWvM8WrRGRApGvq4y158ga8V/D7jfzP4OLIgdm4m/7v7VNMUlw3UXvVf378/hwLsZiEVEJMv8KnPRdevBQ36sMtefIGvFvw7sCLwIbBe7vQjsFDsnuSpZBcRS/J7tIiJ5Ll9XmetP0gVqcpEWqBmEZL32ELAMzW0Xkbw30qviU7ZAjZk14Ldp3eAUvrBu/BDik0y5FDgrwfkocDJ++1cRkTzSXyLfe8aobIeVdkGK5/4JvAX8GpiB34O9GpgY+ym5bDawX5I281AhnYjklUKa3tZXkGvss4AvAg3AzcDjwDeBSudc/pUT5qMnA7T5dtqjEBHJmEKa3tZXoCVlnXMNzrnfA/sDvwd+iU/uMlIkK6R7DbglA3GIiGRAIU1v6yvoWvG7mdlvgVeAz+BnSaueeiS5OUCbc9CKdCKSF/z0tt7lYfk6va2vpIndzN4GbgA+wvfSrwVWAzuZ2c7pDU9S6ntJzn8EnJeJQERE0quQprf1FWSBmg/wVfFfBr5E7wlUDtgnDXFJOlyBv96+OEGbW4GxsbYiIiPIkqXtPPtKB6sau5hYVcROWxXRHQ3R0OSr4qdvUzqiprcNVZD92PcK8kJmtp9z7qnhhyRp9SiwLdCWoM2V+GqKWRmJSERk2JYsbecvTzRTOSrMpHFhWtqiPPFiO4d9vpK9Z1RmO7yMCnSNPaBLUvhaki41wM8CtDs73YGIiKTOs690UDkqzNjRIcIhY+zoEJWjwjz7Ske2Q8u4VCb2ZGucSa6YDWyfpM0SVEgnIiPGqsYuRo/qnYZGjzJWNXZlKaLsSWViH3lr0xayi4CyJG2mZSIQEZHhm1hVREtb7zTU0uaYWBWklCy/pDKxy0gyC/hFkjYt+O1/RERy3D67lNHc1s2alijdUcealijNbd3ss0uyHkz+CbJWfK1zLsiCo8tTEI9k0mz8vux3J2izGD8kr01iRCTH9K2Cr92+hP995Khv8I8P2GMU06aWZzvMjAsyRnE9sGuyRs65g4cfjmTcb4H7gESLMe0MfJyZcEREgqhb2Mzcx1oIhaBqdIjVjV18tNpx2OcrCzKZ96Sh+EJXA5yWpE0DcEYGYhERCaC+IcK9f2+luMgYN6aIbmesaYlSFLaCrILvK0iPfUszu3egk865r6UwHsmGK/Bz1xO5EvgBGpIXkax7cXE79Q3dlJVApBsqRxnFxcbazmhBVsH3FSSxrwSuSXcgkmXJ9m0HXyXfnIFYREQGUN8Q4dU31zKq1Oh20B11rG6MMmFsmOaOKNtvWZLtELMuSGJvcc4F2fhTRrLZwFXA0gRtWoBtgP9kIiARkQ29uSxCVWUI50K8/X43ZhAKOT76uItRZaGCrILvK8g19v+lPQrJDe+S/Kvef4HzMxCLiEgf9Q0R5i9pZ01rN83txpQJYYpD0NYBXVHHUV8cXfCFcxAssT9lZhusKmdm48zs+jTEJNl0X4A2v0p7FCIivSxZ2s4fH2nifx9FaGt3VJYbnd3GppOL2W37Mg773Bj22Lmw1oQfSJDEPh1YYGafih8ws5Pxe7P/N12BSZbMIvnkxi7gpAzEIiKC76k//M9WQgZTNyqivdPR0Bxl0rgQoytC1EwuZrcd1FOPC7K720lmtjdwg5m9jC+h+h+wl3NOq4nnowVAMT6BD+QP+FXpZmckIhEpYG8uixDthnFjDbMQW2wMH6zuZlVjlI0mhNhj5/KC2I41qKDz2F8B/gl8HpgCXK6knufqArQ5BwiyJqGIyBDVN0SY/0Y7q9Z08/Z7EVrbu6koD7PllBLGV4WZub2Sel9JE7uZHQW8BrwHbAV8HbjCzG42s4lpjk+ypRb4XpI2EeBzGYhFRApSfUOEuoXtFBdDdVWIjrWOdz+I0NLWRXNrlKKQse3mSup9BemxHwt83jn3C+dcp3PuReBT+F78i2mNTrLrCmCLJG2a0UYxIpIWby6LUFEWYqspJYTDITapLqKsJMTSD7vpdo4v7TlKvfV+BLnG/uV+jkWBq8zsrrREJbnjTmBfoDVBm8X4JWevyEhEIlIA4kPwGIweFWJKdZjmNkc4DGAcc8AYJfUBBBmKv7TH/dP7nP5lyiOS3FILXB2g3dX4XeBERIYpPrVt+UcRVjZEWNPczXsru5lSHWbHLcuYOU3X1RMJMhS/b4/7fSc57ZLCWCRXnQAclqRNFND+fiIyTHULm7nkTw288p92mtujfNwU5f1VXUSjjrdXRGjtiOq6ehJBErsNcF8KyV1AsiWYXwYOz0AsIpKXlixtZ+5jLUQijqqKECGgpS1KV1eU+oYuIt1oalsAQRJ7yMwqzWxsj/tjzGwMEE5zfJJL7gnQ5i9oi1cRGZJnX+kgFDLGVISIOqO0JERFWYjuqDGhqkhD8AEFSewT8OVRi4DxwBuxx4uBcekLTXLOLPwucMlciea3i8igrWrsYuxoo6zM6OqGrm5HcRGsae3W1LZBCFIVrx24Zb3ZwOXA8iTt9gQ60x+OiIx89Q0R3lwWobE5SmckihmMGW10dDiaWh2lxSFNbRuEIFXxmyS6ZSJIyTHXkvwrYQSf3EVEEogvQtOxNsrMaSVEuhxrOx0hc4TDxtjRIb75lUrt2jYIQfZjfxJw9C6cc/hh+Wp0nb3wzAIuAs5K0q4Ov8XrnLRHJCIj1IuL21lRH6GrG0aXh5g5rZT/ruimrb2b7bcsZZ9dypTUBynIUPy0no/NbFPgbOBA/H/vUohmA//CF8sl8jNgN/yXARGRHuobIrz65lrGjQkxujxEZ8TR0Ql7Ty+jO2octLe2YR2KoJvAYGZbmtmNwBP4wrntnXO/TVtkkvvuAoL8uzsYFdOJSC9LlrZz1V0N/Gd5J6+/3cnqNRHKSoyyEuOd9yNUVWoweKiCXGOfZmZ/BP4KPAfs4Jy7zjmn0ijxcySSjftE0fV2EVnHryzXzPIPI4QsSsOaLl77byf1DRGiztHQpEVohiNIj30RsDf+WvvOwG/M7LL4LdETYzvA1ZvZogHOf9bM1pjZq7Hb+YP+BJJdNQTb4lXFdCKCH37/w1/XsOzDzth0tjCVo8N0RRxvLouAg122LVUF/DAEKZ47eRivfwt+FfHbErT5h3NOV2BHslrgJ/jr6YnUAZfhr8+LSMGpb4jw2PMtvPNehKIQWMj4uKmL8WOKGD82RNtaqJlczG47qFhuOIIUz90U5IXM7HLn3Jl9nvusmU0dWmgyoswBHsYvK5vI2cA2qJhOpAA9+WILL7+5lkinIxqG0lIjHDLa2qMUFxulRaYlY1MgcPFcAPsM8XmfNrPXzGyeme0wUCMzO9nM5pvZ/JUrVw7xrSStFgCjk7TpBo5AO8GJFJg7H1/NbY80s/idTto6obUd2tZGCZkjEnWMKguxX62SeiqkMrEPxcvA5s656cBVwP0DNXTO3eCcm+mcm1ldXZ2xAGWQlgRo0wbsnu5ARCRXzKtrZO7fWnEOSoqgOAyRKHR2Qttan4h22rqYz+2WrGcgQWQ1sTvnmpxzLbH7jwDFZjYxmzHJMNXgr7cn8x4qphMpAPUNEW5/tIWuCBQX+9XNioqNsmJwzi9K86mdyvn6fmPVW0+RVCb2QW/pamYbmZnF7u8Wi2d1CmOSbJhD8v3bwRfTnZTmWEQka5Ysbef6exuob4gS6YbubuiOgos6zCDqYPstSzjmACX1VAoyjz1ZrXPc1f08dy7wPLCtma0ws2+a2SlmdkqsyaHAIjN7Db8n2JHOORfw/SSX3QWcGKDdH/BzJ0QkryxZ2s7Ft63ihcUddHdDpBsiXfguO2AhGFUGX9+vUkk9xSxZHjWzl51zu2YonkBmzpzp5s+fn+0wJIg9ST7PfSzwOH7anIiMePUNEX5z60pef7uLUBiiscQOEDYIhaG8FI76QgVH7D8hu8GOIGa2wDk3M1m7IPPYw2ZWyQBD7c65psEGJwXkn8CO+EWIB7IGOCFJGxEZMf48r4HX3+oiEgXrhtIicGHo6oZuB6NL4eRDxnDgHlXZDjUvBUns2+H/y+27u5vFfm6WhrgknyzCz13/b4I2bwCH44fwRWTEuvPx1cx7voNI1D92wNouKC6C0hIoL4GTvlLFgXuMyWqc+SxIYn/DObdL2iOR/PYUsC/wVoI2f8EvXPNQRiISkRSbV9fIrQ+1rht2j3NAZ5ef6jZ5glaWS7dsz2OXQlED/BkoSdLuYTQNTmQEqlvYzM0PNrG2C8IhsH4u3lZVGscdOFrFcmkWJLFvUO0eZ2aXpDAWyXe1wA8DtKsDPpfmWEQkZeobIvzxkWaa2/zc9O6ov1bbM7mPLofvHVHFHjtrj/V0S5rYk6wVf3gKY5FCMIdg0+CeQtPgREaIJ19q5b1VXRSF/bV0w89RNyBkMKoUTv36GCX1DBnuUPygF6UR4WaCLWAzG11vF8lx9Q0RnprfBs730MMGRbHqrWhsCdnjvlShCvgMSlo8Z2bjBzqFErsM1V34+euJJks24L8A/ADf0xeRnFK3sJl7/97Keyu7KDK/spyFoNjWT5v67hGa1pZpQariF7B+eltfnakNRwrKFSQflu8AfhG7r+QukhPqGyLceN9qnn2tExf1PXMX9j32kPnkXllhbLd5sZJ6FgTZj32LTAQiBegE4Fn8srKJRIHfAAeh1elEsqy+IcJVc1fy/BtdRKNQFLug2xnx89SLwlA1OsTGE4s4+oCx2Q22QAUZiu+7nKwDVjnnlqcnJCkoN+NXpvsZ0Jig3Vrgq8AL+KlzIpJx9Q0RLrjhI95cFl13LBq/th6GaNQniJqNSjj6i5VMm6r56tkQZCj+0n6OjTezEuAo59yrKY5JCs1s/PyKM4B7E7R7H9gfv668krtIRtU3RLjqrlW9kjr4xB6vwg6HYeuaEr57+DjNVc+iIEPx+/Z33Mxm4ndk2yfVQUkBqsFfc18ALEvQ7t/AycAjmQhKROLmPtbA8wsj/Z6LOsD5xP61fSuU1LNsyNPdnHPzgdEpjEUKXQ1+OaRkXzfnAZelPxwR8ebVNfK3Fzp8Ah9AcRiOOaBCc9VzwJATu5lNZt3OuiIpMgu4KEC781ByF8mAuoXNXH9fE2sTzIEKASd9RVuw5oogxXNXsWECHw/sgb8qKpJas/E7wiWqlu8Azsf/TTwhAzGJFKC6hc1cd28TbR1+GhuwQa89HIIj9y9TUs8hQYrn5vd57IDVwGznXH3qQxLBV8vX4zeF6Y8DWoFTgHfQHHeRFKtb2MyVd66huTW6blW5+BBvPLmHQ/Ctg9VTzzVBiudu7e+4mW1qZj9wzl2c+rBE8MvJngH0N2YUtxa/gM0afPGdiAzbkqXt3PJQEy1tfjcXC0Gky19HLwr5jV4qyuHbX9WqcrloUNfYzazazL5jZv8AngYmpyUqkbgrgEuAcgZewDiKn5+hC0MiKTGvrpW2dkdZMes2dikO+yVjow7Ky5TUc1mQa+yVwNeAo4Ft8DONt3DOaSaxZMbs2M/z8cPvA7kav/68huVFhqS+IcKbyyK8/O8OojjKy4yudigKrx8ymzwhzClf005tuSzINfZ64EV8HfJzzjlnZoekNyyRPmbjC+VOwQ+/9yeK1pUXGaL4hi4dnY7W9iglxdBFiMpyx9pOo6vLUVqCkvoIEGQo/lygFLgWONfMtkpvSCIDOAE4m8R/a6P45WlPykRAIvkhXv1e39CFc46yMqO5DUIWBTNGjwpRNSbEQftonvpIkDSxO+cud87tDhwcO3Q/sImZ/dDMtklrdCJ9zQFOD9DuD+iau0gA9Q0R7v17K4ZjbEUYh1FebIweZXR2gnOOyROL2Xt6OQfvMybb4UoAQYbiAXDOvQP8Evilme0IHIVf2HPrNMUm0r949fvV+B76QK4EXsLv/a6KEJENzKtr5PZHW/ioIUpRCDojUarHlVBWFiYc7mZtxNhl23JmTitn282LtVTsCJG0x25mu/c95pxb5Jz7sXNOSV2y4wrgxyT/G/w8cBywIu0RiYwoV97xIZff0cQHq6NEu/10tpVrYGVDJ2GDtRGYNK6IYw4Yw94zRimpjyBBrrFfG79jZs+nMRaRwZmDT+7JPA3sipK7CH7o/fI76rn/2U66uiAcm6ce38ilsQWaWrsB04YuI1SQxN5z9nBZugIRGZI5wIkB2q0EdsAPzYsUqPqGCPc+1cTTCzrWHXP4/+RDsYVnuqJQPa5I1e8jWJDEHjKzcWY2ocf98fFbugMUSepm4HsB2jUBBwG3pDUakZz15EutvLC4g/b1eX19Yjd/Z/K4EGcfP0FJfQQLUjw3Fr9Ldrzn/nKPcw7YMtVBiQzaFcAHwF+StFuJr5b/mPUL34jkufqGCC8ubueh51qIRBzFRbFV5AAXjSV386vMHXPAaA2/j3BB1oqfmoE4RIbvLnzSvjJBmyjQAvwUv47irPSHJZJN8cr3VY1RIl0+eZcUQ1ERdHXFkju+x/7lPUq0TGweCFIVf2yP+3v2ORdkRrFI5lyBL5RLJAo046/NP5T2iESypm5hM9fd08SHq31Sd0CkG9o7fHIvK/WbukwYY8w+egzfO3KjbIcsKRDkGnvPAcur+pzT+l6SexbgC+WS+Ri/rqIK6iQPLVnaziV/aqC5ff02q+v2VAe6umFiVZjtphYz55SJ6qnnkcFWxffdX2ug/bZEsmsRfoeDAxK0icbafREV1EleuemBes66fCWNLeuPOXzVe/w/7bIS2HHrUk49tIppU8uzEaakSZDE7ga4399jkdxRC8wDPkPiv+kN+GH5wzMRlEh6zatr5J6nOohENjwXm6oOwFablnD8l8YqqeehIIl9OzNbaGav97gff7xtmuMTGb6Lga3wf9sT/Y3/CyqmkxGtviHCTQ800RGB7gTdrrEVcNJBY1X9nqeCTHeblvYoRNKpFrgMv3nM8iRtH8Yvw/SP2PNERoD6hgh/ntfA0y930NSWuG1FGZx8yBj11PNYkOluywDMrAr4ROzwf5xza9IZmEhKzQImA6eRvFhuLbAbfoe4E9IblshwLVnaziW3rWTph8mvjW480Tjt0CotPpPngkx3KzWzW4ClwA3A74GlZnazmZWkNzyRFKoFrgE2Dtj+/1DFvOS0JUvbueC6lbwbIKlvsTGcd9JEJfUCEOQa+3lAMbCpc24X59wMYDN8b/8n6QxOJOVq8V9Pg8zs6QR2xw/ji+SYuoXNfP+ylaxqStyuOAxbTQnxq9M31vB7gQiS2A8Bvu2ca44fiN3/TuycyMgyC/gbMDVA2yh+B7nz0xmQyODMq2vkwhsa6OxK3G50GXxyWhmzj5mgQrkCEiSxR51zG5RjOOda0HQ3GalqgXfx192T6QB+jVapk5xw0wP1XPbnJiLRxO0M2G6LYo77UqV66gUmSFW8M7Nx9L8YTZK/WiI57kP8mvH/TdIugt8ZbnPgajQtTjKuviHC9y/9gA8+Dtb+6C+W8c2DJ6U3KMlJQ9ndrSf12GXk+w/wOeCpAG2XAYehOe+SUUuWtnPOVStpbg/W/hgl9YKWst3dzGwH59ziYUckkg1P4leeS7btK/iheSV3yZC6hc388g8NtK0N1n7v6SEl9QIX5Bp7UH9M4WuJZN5d+AVsdiT5v4wO/ND8nknaiQxD3cJmLro1WFIPG3x1nxIu/L+a9AcmOS3IUHxQ2hBGRr4a4GbgR8ATAdrX4ZP7P9MZlBSieXWNXHt3E60dydvuuXMR3z2iWpXvAqQ2set6u+SHWvyqc98GHg3Qvg5/jf7JdAYlhWLJ0nauv/tjFr3bvW671US22wx+dsom6Q9MRoxAQ/HmbZruYERyRg1+Z7j9ArZ/Cj91TlPiZBjqFjZz3u9WsvCd4En92nM2S39gMqIESuzOOQc8kqRZ5/DDEckxTwLfC9i2Hr9k0xnpC0fy15V3fMh51zXQ0Jy8Lfjr6Urq0p/BFM+9bGYD7nflnNs9BfGI5J4rgEsDtu0CrsQPzYsEdMH1K7j/2WB9o4oy+L9DKvjekRulOSoZqQZzjf1TwDFmtgxoxRfLOefczmmJTCSXzAYagZ8FbP8UfkeFa9GUOBlQfUOEC6//gCX/S942ZLDrdkWceNA4rSQnCQ0msX8xbVGIjARz8FPcDgY+CNB+OfBN4CK0/atsYMnSdi64YSWrGoO1//ZXKzhi/wnpDUryQuDEHt+XXaSg1QLv43vhDwdo3wT8HPg8viBPBD+V7bp7m2jeYBeODYVCcNT+ZUrqElgqp7uJFI6HgFuAU/GL1QykA3gbv+jN9/C9filY9Q0Rzr36A94NMuIDlBTBiQeppy6Dk8qV50QKywn4ZWXHBmi7Bn99XlPiClbdwmZOuDB4Up+2Gdx24cZK6jJoaU3sZnazmdWb2aIBzpuZXWlmb5nZQjPbNZ3xiKTcLGARsG/A9vXA0cBlaYtIctCdj6/mwt830BFwUvDe00Ncc85mWklOhiTdPfZbgAMSnD8Q+ETsdjLwuzTHI5J6Nfgq+L8CWwDJCpabgR/j/3VIXqtviHD5n+u5+YFWIt3BnrP39JDWe5dhSWtid849CyTaPfhg4Dbn/QuoMrON0xmTSNrMAu4EvkHy6pUO4ET8V1oNzeel+oYI9zy1hqdf6SASTd5+y01C/PyUcUrqMmzZLp6bgp8UFLcidizgVSiRHFMbu1UTbM77W/ivt6fjF8KRvDCvrpGbH2yioQkC5HRqp8FF31VCl9TIdmIPzMxOxg/Xs9lmWkZRctwc4N/APST/nz0KXA10A+egaXEj2JKl7Vx/z8csfreb7iAZnXhS1/9pkjrZrop/D+i5uUxN7NgGnHM3OOdmOudmVldXZyQ4kWG5C3gAPwaVTBS4Bvga8FI6g5J0mVfXyM9vWs3rbwdL6lUV8INjxyipS8plO7E/CBwfq47fHVjjnNMwvOSPWcC/gGOBcID2LwFfQNfdR5ibHqjn0j818cHqaL/7V1v8p/m13r+yVxnX/WhjDtyjKpNhSoFI61C8mc0FPgtMNLMVwAVAMYBz7jr8jnFfwl9pbMOXE4nklxrgV/iCuXug3//5e2rEL127O35DmQG3XpJccOfjq7nj8Y6kV1yKwrDd1GJO/XqV1nqXtEprYnfOHZXkvANOS2cMIjmhBr+YzWXAeUB7gOf8C78U7QX4TWgkp9QtbOaux1t4/e1Iwu9qIcBCsN1mYSV1yYgRUzwnkhdmA4cDv8av2pCsm9cEnIVfBOfm9IYmwd35+Grm/q2V9o7kAzAlJbDX9BK+9dUJWnBGMkKJXSTTavBV8Fviq+AjAZ7zB/yqddehqvksmlfXyO2PtvD+qmAl71tuEuKXp01WQpeMynbxnEjhmo3fRKYkYPtHge+iqvksmVfXyE0PtrCqMVhSr6mGs45VL10yT4ldJJuuAJ7DF8ol0w3MB36EknsG1TdE+P39q7n8jiY+booS6Vpf5R7X8z/SohDstFWYc0+s1vV0yQoNxYtkWy3wPH7t+B/j93vvTwi/QPOLwFeB4/GlpxqaT5u6hc1cf28jH6xydMU66v1OZzMoDsNOWxXxzYPHKaFLVqnHLpIrTsAvzzTQpM8QvtceBlYDlwA7AV9HPfg0qFvYzFV3+aTet4feV7gIPrNLCWcfr166ZJ967CK55magErgBP/fd8P9S4z/bgC58RX0jcD9+d7mfoGlxKbBkaTv3/r2Zf73eQUcndEehpBgsumFvvSgEk8fDqYeOY4+dK7MSr0hfSuwiuegK/Gp1VwKPA2uAUnxmWYvvucfFE/wPgGVoM5lhqFvYzG2PNFPf2OWvpce66pEun9w7I+uTe3ERHLh7GUcfOE4FcpJTlNhFclUt8Ef8MPu3gJX4ee0DFWXHN5N5Ff+l4EB0/T2geXWN3PF4C++t9N3y4iIIG0QdhGI/u7ogHPaPx46GM45UL11ykxK7SK6rBX4B/BQ/DJ/ogm8U+AewGHgYn+iV3AdU3xDhpgdW8/QrnUS7IRr1v961EV8MZ0AoBLjYuW4YX2V8Y1alkrrkLCV2kZFgFjAZv2LdPBIvSevwQ/MPAP8BbkXrzfcjvnpcU+v6Y8b6ofbubqgYBR2dUGRQOSbEF3Yr5+DPjNHQu+Q0JXaRkaIWv4nMQ8CZwNsJ2sZ79UvwQ/JHor3eY5Ysbed3f1nNonc3vKbRszguCrgoVJTCtC1LOPbAsap4lxFBiV1kpJkFzAD+D/gbvpCuZ0YK4avm4xrx69LfCRxBwSb4+oYIDzzbxBMvtLK6ceB21uNOaSl8YbdRHPzZseqly4ihxC4yEtXgr6HfAlwOvI7vYvYcS46Lxo6tAq7BJ/hzKaipcXULm/njI828+34X3dHEe+84/DS27aaGOfXQ8eqly4ijBWpERrIT8FXwFwOj8P+i+yb2vo9XAT8Ezkh3cLmhbmEz1/xlDcvru4i69VPYBhIKwWtm2eMAACAASURBVL4zSzjvm5OU1GVEUo9dJB/Ee9+/we8CZwzcgwc/VB+fI/8b/PB+nqlb2Mx9T7fyxrudRCJQFIZwCLq6B37OhDHw/aM1jU1GNiV2kXzRc6/3O4AGfGJPkMj4N3Ay8Et87z8P1DdEuPi2j3j1v1G6e4y5R51fZAZ8rzza41xxGLbdPMSph05QL11GPCV2kXwS3+v9G/glZp8l8dQ4w28scybwAnASI3pqnN9atYmPm/zjngMWUedXkCsvhbYOn9zHVMCBe1Rw8D6awib5Q4ldJB/V4vdvfwg4Gz/tra941lsbu12HX59+a+BSRtTw/JKl7fzu7tW88W6UaI9LD/1dhQAoLYFpU4v55sFV6qFL3lFiF8lns2K3M/AV8fFh+XiRXX8V9P8BvoL/cnA1Od+Dn1fXyI0PNNHQPHCb+LKwRWEYPybMnjuXagqb5C0ldpFCcAWwOfAz/IYy8S1gB+KA+cBR+GvwR5Nzc9/rFjbzx3lN/Pd/3b166f1xzhfOfW3fCq0cJ3lP091ECsVs/II2XwQqgGS5LQosxRfjHY0f1s8R8+oaufKONbz7XvKkDn5e+kF7lfDtr05QUpe8p8QuUkhq8WvNL8L33stJvKlMN37jmVfwO8zdkub4AliytJ1bH26htSOKC5DUJ1XBmUeP4XtHbpT+4ERygIbiRQpRDb6orgW4COhM0Nbhk3sLcCJ+l7mfktHpcXULm7n/mVaWf9RFa3uUtREoK4FQGEJR+u21l5XAN75cwRH7T8hcoCI5QIld/n97dx5nZV33f/z1mYVNUUaFRAbU1KzUtAJKy8w1NQMt78Dll5Om3Rnand4u3ZUWpVLdapmZuUXumJXwc0NzrTAdzKSCTCQcx21GHGCAgdm+9x+f6zAXx1nOnHXOOe9nj/PgcM51rvPlCnnPd7m+Hylns4F34/vHv9nHMR1sucjuZTzgLwGuJKer55etbOPyW5pZ8br/3oCqKr9trbsbRgz3Kmyhq6eJlRUwYaxxxnFjtNGMlCUFu0i5q4se9+Jb0z4HrCdKUfxWuN4sB04C/h9ZLyzT1NLB/MfXcO8fN9Aauw8/4KFegVde6+qEEdXQ1u3vjdkaPvVRFW2R8qZgFxGXuDWuEZ9/n4cHfH9a8fvf7wEOBs4mo9vjmlo6eOSZdTzxlw282txF28ae9+KbzQR8t7jqKujs9k1nDpk8ghOPqlGgS9lTsIvIlmrxXeuqgJvYsgRssoAvsGsC5uMFaS4jreH5ppYOrv/tKuqXtdPWDp2dW84AJD8fNRJ23WkY48dW8emPbaWNZkQiCnYReadafEObKfgiu+Z+jk10pTfge8+fDJwZPVIYnk/00hc8uY7mlgDmvXEz+lz1XgFMGFvJwZNHMXWvkeqli8Qo2EWkb3XAXvgQ+9P0vkdropJcwBN3DV4x7npgJl4itpeAX7ayjZvmt/C3FZ10dvUUZanA59ErK6G7j010PrhnBed9YZwCXaQXCnYR6d8U4CmgHrgIeBy/Pa4bqIyOCWxZSa4br/v+M3z+/Xtsvj1u0ZJWblqwhhWv9ZRXq0y6lz7gt7ANr4JNnX7qygoYWwMnH7UNRx0wJst/SJHSoWAXkdQkNrepB74P/AlYi8/BJ3rtCfFVbo3AacCPYOknNnBjWMvKivjB0BUbCegOPhTf3e1D8VuNgBOP3IZDp2ylHrpICrTznIgMzhS8J34+sBswjJ6eex//onTRRfu/utju5mq+8OC27P7GOwPaYr32gN+vPma0cebx23DCEWMU6iIpUrCLyOAldq57GPg6MJ5e957vSvyvG+iE7TdU8LGXR/Lj+eM4/fFttjg2BK/CVmEwrBreM6mKs2eO0bC7yCBZSGWz5SFm8uTJYfHixYVuhogk1AMXA78HOjzQE7qjRxVbrr0zYB3dPLvzJuZ9qJUXd+ygugr2272aummqky6SzMyeDSFMHug4zbGLSOamAPcDc6HtvC6q3/KXEzPp8VCPr5PbmgoOfHkk+zeM5JUd2+m4MLDX2aPy1GiR0qRgF5GMNbV08Ej9ep5a1caG47s58smtOeSlUYzaVEGgZwq+r0JywwK85/WRcB7wJPBjhlz9d5FioWAXkbQtWtLKjQtW88obgc5uqK6AYSPhmoPWcNeH1nHw8pEcuHwk731r2OY74pJVAJWJ6G8HfgM8AZxOypvciEgPzbGLSFrmPbyKufeuZ1PHlq9XsOWdb5UVcOpj2/DZpaOpwMM9EfCbA70vY/BCM1kuMiNSjDTHLiI50dsGM3HxVw0gwPUHrWXD8MCMZaMZudEGDvSE1cDPgUfx3exyWCJWpFQo2EVkQE0tHcx/ci0LnljP+o0DH19dBcOqoL0DKiphQk0FO11tbH1AlZeHnQ38DUjhXATgBbwGvIbnRQakYBeRPjW1dDD/ibXc8/h62tpT/1ylwdiaCg7/yNbv3DEuXh72HHxOvffOv0vsQb8J3xjnOnyIfn8yLhMrUooU7CLSqwcWreamBWtZtXZwn6sA9tqtilOn1fR/L3otcBdwBb6X/Oo+jrPopBvwHwCGAW3AAmAZPlSvcBfZTMEuIpslSqg++FQrjU29F3Prz5it4fRjB1mk5RzgQLyO+++B1qT3E2Vhu2Dz6ruNeMg/C3wcryA3e5CNFSlRCnYRoamlg9sfaOGhpzeysWPg45ONHA6Hf2QEJ36qJr093acAv8WH5+cAt+EFZgC2wm+D68RviN/Elj9xtOM9/h8C7wX+i82V5ETKkYJdpMwtWtLKtb9pobE5vc/vOQnOnjk2O1vA1gJX47e3XYMP1bcCw+mpIhffwi4e8JuAFfje9W/jIwEiZUj3sYuUoWUr27hj4Rrq/9HOps70zvGuGjhrRg0HfGB0dhsX14iXin0AWIiHe3+L+MYBLfiw/RhgIurBS8nQfewi0qs5c1/joWfSTHNgXA2c8ulBzqOnqxa/xe10YC5eaKYhei+5xw4+fJ+YStgA/B04A7/FTtvUSplQsIuUgUQPfdGSdrrTGKQbXg17p7LSPZfqgL2AWcBiPNi7Yu8PZ8vefGJOPrFN7SPAIfgwv1bRSwlTsIuUsGUr27h94Rrql7bTnsaiuAqDQ6cM47Tp26e3KC7bpgBPAxfht7mtwnvt1dFjU+xYw8M9oRW4B7gP2A/4FtrJTkqSgl2kBCVWuT+yeGNKO8UlqwB2Hg+nTc/xHHq6ZkePRjygF+BD74mN6hN1YuOjE114D74LeAb4LDABOBH4Chqml5KhYBcpIU0tHdw4fxVPPNtOe9fAxyerAPbfp4qzZo4dGj30gdTic++JRXbXA8/R01uPB7uxZS++G1iJ3z//E+DDeNlY9eKlyCnYRUrAspVt/PaxVuqXbmTt+vTO8a4x8IVj8rQoLtsSi+yOwlfB30fPIrrEIjtjy61rEz/4BGA9Xgf+SWB34EoU8FK0FOwiRWzZyjauuLWZl15L/xx77wrf+tL44uihD6QWuBuoxze6eQQfou/C/7VLLK7rbUV9wnLgOOBQfOMbLbSTIqNgFylCi5a08pM7Wmhek97nDdhnt0q+/LntCrfKPZem4CvhEwH/ML6/vPX3oZhOvPf+DXyoXuEuRUTBLlJEbpzfxG8eTW/bV4BtRsGU94/gs4eMLs1AT5YI+EZ8J7vb8fvg++uxJ7Tji+wOB3bC5+BVTU6KQM6D3cyOxJemVAI3hBDmJL1fB/wIeDV66eoQwg25bpdIsWhq6eB/b32Txcv6q23av+HVcOT+Izgh3b3ci10tcGn0mIsPsTew5e1wybrxXn4F8BpeE/52YCwe9gp5GaJyGuxmVolXUD4c/5m53swWhBCWJh06L4QwK5dtESk2TS0dPFK/nl/OX0tnmjs/jxwOe+9aTd20MeXRQ09FHXAYHtI/Bl7v59jEKvpEyViAN4Fb8X3sj0Eb3siQk+se+1RgeQhhBYCZ3QlMB5KDXUQi8x5exe0Prqe1Lf1zTBwHF9ZlqTBLKaoFzsfvYZ+DB3VivUIl7ywV29vURzteke63QA1eV74ul40WSU1Fjs8/AXgl9vvG6LVknzOzJWZ2t5lNzHGbRIakeQ+v4vAzG/jF7zIL9anvq+RHXxuvUE9Foprc3/GA/wA+n74VvkVtFan9K9kCfBEvOnNvTloqkrKhsHju/wN3hBA2mdmXgV/hOzpvwczOwMs5MGnSpPy2UCRHlq1s48rb3mL5q5lVWTTgvTtXMGvG9gr0dNQCFwAn4Svpn8EDeiX9V5NL1gh8Jnp+NPALtKOd5F2ug/1V/GfYhFp6FskBEEJYFfvtDcAPeztRCOE64Drwsq3ZbaZI/l38i0b+8Hz6C+LAV7l/6dgxTN1rZHkuisu22uhxHL7l7Lfx297ScT/+r99u+La3dVlon0gKch3s9cAeZrYrHugz8VmtzcxsfAghsXxlGrAsx20SKZh5D6/i1gfWp7V/e5wBZxy3FTMO3z4r7ZJeTAEexP8Vm4X34tPxEj5MfxrwTXyPe5EcymmwhxA6zWwWsBBfknJTCOEfZjYbWBxCWACcbWbT8LWnb6Ofa6UEZVoDHbzS2tgxxrGfHKVAz6dERbm5+HjiC2y5NW2quvHb7H6AD9HXZad5IskshOIb1Z48eXJYvHhxoZsh0q9FS1q5acFqVryW2X9j1ZXwXycU6R7upagR+E98P/pMbQNcDJyThXNJyTOzZ0MIkwc6bigsnhMpKYuWtPLDm1tYuyHzcx24XzVf/Y8dNH8+lNTiC+vq8WpwT2RwrrXAufgWXdejwjOSFQp2kSxoaung65e/zutvZ36u6ko4dZrmz4e8KcDjeA8+Mbye5la/vEHPavqd8VvwFPKSJgW7SAZunN/E7Qs3DrjteComjYMLtKlM8akFfho97sV733+ipyzsYL2Mh/y30UI7SYuCXSQNp1zcwCvN2TnXx/ap4qyZYzXcXgqOoaen/TXgqgzO9b3oMQK4BM3DS8q0eE4kRctWtnHBVc2sy/BWNYDqCjj642VclKVcNOLbaj3IwNXkUjEVH6bX3vRlSYvnRLJk2co2vntdM02rMz/XYVOH8aXp2yvMy0UtvlEN+DD98cCmDM73DB7uw/A68erFSy8U7CK9aGrp4I6FLTz41EY2pbsgKmbf3YxvnLqjAr2cHQNsBE7F74nPpAffjq+mPxcYjVeq02I7iSjYRWJunN/EXb/fSEe6C5+SfHjPCs77wrsU6NLjpuiRjR48QCs9K+rPBn6S4fmk6CnYpexlY8/2ZEdMreLCup2yek4pMYkePMDngbvJfB7+quixH15ZQ3PxZUnBLmXrqjvf4J4nB1O6q39VFTDj8BGcNn1c1s4pZeKu6NdGYDrwlwzP91d8Ln5HfC6+LsPzSVFRsEvZWbSklW9d25K18530KYW5ZEkt8Cwe8NcA/0v6m96Ab3zzxejxCXynPM3FlzwFu5SFI85sILMSLO907CeGcfbMHbN8VhE84C+NHhfhve5M/wI/SU8JWs3FlzTdxy4lLZvz58Oq4GszVYxFCqQRX2z3dBbPuS/wfdSLLxK6j13K1o3zm7htYRZ2kYlR71wKrhb4c/T888Cvs3DO5+lZUf9FfLW+FD0Fu5SEq+58g/sXtdOexfH2rUbAN+pqOOADo7N3UpFsSCy2qwfOIju9+F9Gj+HAl9FQfRFTsEvRWrayjf/+cTNt2VvYTgVw7skabpciMYWeXnw9cD5ecS4Tm+i5be5g4GZ8tECKhoJdis68h1dx/e/Wk907z+E8BboUsynAY/hc/OeBp7JwzseAicAEfC6+LgvnlJxTsEtReGDRam6+by1vZu8uNbYdBWd8VmEuJaYWWBQ9rweOBN7O8Jyv4nPwpwKfAq5HvfghTMEuQ9qMCxtoXpvdc+42Hi6ZNV7bvErpmwKswnvxJwNPZHi+gFeqm4iXkz0NuBCF/BCjYJch53PnNdCyPrvnrKqAr5+o3rmUqVp65t6vwO+Nz/S/sY3Az6LHJOC7aKh+iNB97DIk5GK/doAD963gu19Wd0KkVx8m8+1rk20NfB2YneXziu5jl6GvqaWD02a/zvpMq1v1Qtu8iqTg2ejXeuAMfI/5TK0Dvhc9VIymIBTskleLlrRy6S9b2JDlMH/3TnDpVzVvLpKWKcBz0fN7gQuApVk4b6IYDcCno3NLzinYJeeaWjr44ndfz+r95gm77giXnaVAF8maY6JHI3A7MAfIxt0o9wEGjMV3uNM2tjmjYJecycWK9gRt8SqSY7X4hjfnk92h+mZ6trEF2AP4VxbOK5sp2CWrDjuzIesbxyQcMbWKC+t2ytHZRaRP8aH6K4AfAE1ZOveLeE++Gr91TovuMqZV8ZKxM+c08M+G3Jx7fA3cdsmk3JxcRDJzKnALmZeUjasAJgPfRsP1SbQqXnLqlIsbeKU5N+cevx189fMqviIy5N1ET0W4j9Gz410muoFn6Bmufz8+QqCQT5mCXVKWy545aN5cpKj9Kfr1IryAzJosnXcpHvLbAtPwana6fa5fCnbpV67DXPPmIiVmNj3z5NmqGw/+g8IdwO+B44DD8IDX/lPvoGCXd5gz9zUeeiabk2ZbmjgWfvVdzZuLlLy7Ys/nAt/CC8qkqxNfVT8XuBsftt8N+CxwIgr5iIJdADj67AY25i7LAfjZ+WN53y4jc/slIjI01dGzl/wVwDfx/eYHqwtow0O9C1gM/B3f/OZyNEyPgr2sXfDTBuqX5fY73j0ebvi2euciEnNO9AAP5FnAyyl+NnEjVzu+gr4CD/ingaPxDXCGATsC+wLHU3Zhr2AvM7monJbsA7vBj89VmItIChI73c3F72N/c4DjDQ93Ayrp6bl3Aa3ABmAT8DywEPghHvZHUjYL7xTsZeDIWQ2052rXmMjYbWDeHIW5iKSpjp6h+kZ8K9t5wNt4eFfgm9gAdES/JgK+Cw/5TjzUkzXj99vfAXwcD/sSDngFe4k65MwcLmWPefQahbmIZFktcHX0aAQeBJ4AluBB/yYe5uDhHugJ9v50An8ATgBOB06iJBfcKdhLiMJcREpOLfCl6JEI+VvwkrOdeC8+0WNPhQFrgYeAl4Dt8RGBGmBPSuIWOgV7kVOYi0jZiId8Pb7r3bP4vvVdeGiv6+fzicV2G4EGYAJwf/T5lujzNcApwFcp2oBXsBchhbmIlL0p9MyTJ0rM3oHf+tbXkLzhqWfAGGA5PZXluvFefwv+A0MDvtvdWvwHgCJaXa9gLxIKcxGRPsRLzN4LfA8P+A2xYyrx3roBo4C9o2MT71XGnq8FHgP2AT6M/+DwdXzh3UcY8sP1CvYh6uJfNPKH53O8lD2iMBeRkpG4fQ48kK/Bd8BLFK3aM3qMxO+Ft9hnLXp04AvyqoD1+FD9JuC3+OK7UcDXGLKFaRTsQ0i+euWgMBeRMlALXBo9wIO+HngBWAGMj15LzM8Px0O9Ag/vUcBr+E53r+Fhvy8+XP8dvJrd29FnPwQcxZDoySvYC0xhLiKSJ7X0BG+iN38dvuAu0DM3PxIYDeyEz8O/iQ/Rj8RDfwTwFjAf+FT02Yfw4ft9gfdQ0OF6BXsBKMxFRAos0Zs/APgRsAwP9kl4bfkGvPc+AliN31Y3MfpsE56e3cBW+Jz8Knwr2wbgdXz4/1B8x7s8B7yCPQ/ysY1rnMJcRCRF8Tn5uHq8gtwbeLjvAGyHz7Wvp2dlPfgw/Wg84P+G99bH4wv4NgHTyWu4K9hzJJ+98vdOgmsuVJiLiGRN/Ha6e4HL8CH5HfBNbV4Hdo3e34Cn6To80EfhvfnVePjXo2AvVvkM8yOmVnFh3U55+z4RkbJ1DPAuvAf/Kn6r3PvxRXXr8Xn3lujXXaLPbMTvg9+agQvbZJmCPQPHntPA2nTqCadJQ+wiIgUS78FDz/a2i/Fe+Wh8cV0l3oNfj/8AsA6vLpdHCvZBymevHBTmIiJDUnx7W/CgfwBfGT8O/yFgGD4cf1B+m6ZgT4HCXERE+lWLV4w7Cp9Tb8bn2g9Cq+KHgnwPsU95H/zgLIW5iEjRi98rXyAK9sgRZzYMWMo3m9QrFxGRXCjrYG9q6eCym97g+ZdCXr5PYS4iIrlWtsHe1NLBd657nX++nLvvqAIeUpiLiEgelW2wv/ByBy++kv3zqlcuIiKFVLbBvrq1i64sVUVVmIuIyFCR82A3syOBn+C37d8QQpiT9P5w4Ga8nP0qYEYIYWWu2zVmdCWVFaQV7gpyEREZqnIa7GZWCfwMOJyoEq6ZLQghLI0ddhrQEkLY3cxmAj8AZuSyXQB77lzNHhNJaY59fA3cdonCXEREhr5c99inAstDCCsAzOxOvM5NPNin4yXrwXfivdrMLISQ06Xq42qq+c4Z43tdFT+sEi46vYYDPjA6l00QERHJulwH+wQgvkStEfhIX8eEEDrNbA1eO+etHLeNcTXVXHnuxIEPFBERKRIVhW5AqszsDDNbbGaLm5ubC90cERGRISnXwf4qEO8S10av9XqMmVXhhe5WJZ8ohHBdCGFyCGHy2LF5LpUjIiJSJHId7PXAHma2q5kNA2YCC5KOWQCcEj0/Hng01/PrIiIipSqnc+zRnPksYCF+u9tNIYR/mNlsYHEIYQFwI3CLmS0H3sbDX0RERNKQ8/vYQwj3A/cnvXZR7PlG4D9y3Q4REZFyUDSL50RERGRgCnYREZESomAXEREpIQp2ERGREqJgFxERKSEKdhERkRKiYBcRESkhCnYREZESomAXEREpIQp2ERGREmLFWG/FzJqBl4EdyEPddumVrn3h6NoXhq574ejau51DCAOWNy3KYE8ws8UhhMmFbkc50rUvHF37wtB1Lxxd+8HRULyIiEgJUbCLiIiUkGIP9usK3YAypmtfOLr2haHrXji69oNQ1HPsIiIisqVi77GLiIhITFEEu5kdaWYvmNlyM7uwl/eHm9m86P2nzWyX/LeyNKVw7c8xs6VmtsTMHjGznQvRzlIz0HWPHfc5MwtmphXDWZLKtTezz0d/7/9hZrfnu42lKoV/byaZ2WNm9lz0b87RhWjnkBdCGNIPoBJ4CXg3MAx4Hnh/0jFnAtdGz2cC8wrd7lJ4pHjtDwZGRc+/omufn+seHTcaeBL4MzC50O0uhUeKf+f3AJ4DaqLfjyt0u0vhkeK1vw74SvT8/cDKQrd7KD6Kocc+FVgeQlgRQmgH7gSmJx0zHfhV9Pxu4FAzszy2sVQNeO1DCI+FEDZEv/0zUJvnNpaiVP7OA3wP+AGwMZ+NK3GpXPvTgZ+FEFoAQghNeW5jqUrl2gdgm+j5tsBreWxf0SiGYJ8AvBL7fWP0Wq/HhBA6gTXA9nlpXWlL5drHnQY8kNMWlYcBr7uZfQiYGEK4L58NKwOp/J1/D/AeM/uTmf3ZzI7MW+tKWyrX/jvAyWbWCNwPnJWfphWXqkI3QEqDmZ0MTAYOKnRbSp2ZVQBXAHUFbkq5qsKH4z+Jj1A9aWb7hBBWF7RV5eEEYG4I4XIz2x+4xcz2DiF0F7phQ0kx9NhfBSbGfl8bvdbrMWZWhQ/RrMpL60pbKtceMzsM+CYwLYSwKU9tK2UDXffRwN7A42a2EvgosEAL6LIilb/zjcCCEEJHCOHfwL/woJfMpHLtTwPuAgghPAWMwPeRl5hiCPZ6YA8z29XMhuGL4xYkHbMAOCV6fjzwaIhWV0hGBrz2ZvZB4Bd4qGuuMTv6ve4hhDUhhB1CCLuEEHbB1zZMCyEsLkxzS0oq/97cg/fWMbMd8KH5FflsZIlK5do3AIcCmNn78GBvzmsri8CQD/ZoznwWsBBYBtwVQviHmc02s2nRYTcC25vZcuAcoM/bgyR1KV77HwFbA782s7+aWfJ/iDJIKV53yYEUr/1CYJWZLQUeA84LIWiEMEMpXvtzgdPN7HngDqBOnbh30s5zIiIiJWTI99hFREQkdQp2ERGREqJgFxERKSEKdhERkRKiYBcRESkhCnYREZESomAXyREzezwqQbnEzP5pZleb2ZjY+13Rvf+Jx4VJn0u8fnzsM8dGZVrfG3vtk2Z2b9J3z018Ljrf5Nh7R8fOvS72Xb/s489xWPSdR8Vee9DMPh49/2NSe+dFr19jZv8T+8zFZvYTM7s2Om6pmbXFPndcH99/a9TOrWKvXR21aUz0+4lmtsDMXjSzl8zsCjOrHqj90Wf+GpUJXRNry0eiP9d+sc/sbmZ/7a2NIkOJ9ooXya2TQgiLo520LgPm07OfflsIYb/+PtfL6ycAf4x+vTidBoUQ7scLaGBmfwRmhRAGCqxX8G2D+yryM6OXc/wP8Jx5vfIqfHfI/UIIa6Pv3h24u59rELcC+Axwp5lVAp8A3ojOY/h1vTKEcEu0rfSNwGzgG/21P4QwLTrHYfh1ODbxnqlApBQp9dhFBsHMdol637eZ2TIzu9vMRg30uagM5fnAJDPbN83v3hr4OL5f9sx0zpGBvwCbzOzgVD8QFUW5CLgKuAb4ZiLU03AnMCN6fijwBNAV/f4IYHUI4ZboezuBrwFnmNmIdNsvUqwU7CKDtydwTQjhfcBa4MxUPhRC6AKeBxLD6COThuJnxA6/LfZ6ogTxdODBEMK/8C1NP5ydP07KLgG+1cd782LtnZN4MQrb8cCwEMIdGXz3UmCCmW2Lj1bcGXtvL+DZ+MHRDxWvAe9Osf192fzn4p37losMSQp2kcF7JYTwp+j5rXgvOlXx8d22EMJ+sce82HsnxV5P7EMeD7Q7o98D9LUvdFb3iw4hPIr/MPLRXt6eEWvv5loNZrYzMBaYmMrIxgDuwUcqPgQsGuyHB2h/Xzb/uQDt0y9FQXPsIoOXHJgpBWg0N7wPXuBiUMxsO+AQYB8zC0AlEMzsPLxEcU3SR7YD3hrs96Tg+wyu13sVPrf9QeDb9Mx5p+NOvALYDSGEEJsDXwocEz8wWlQ3AZ+b3yn21mDbL1J01GMXGbxJZrZ/9PxEfDFbv6IV2pfhvf0laXznAV63oAAAAVFJREFU8cAtIYSdo3KtE4F/AwcCLwI7mZexTPSS9wWyvoI7Wni3Iz783S8z+wywbQjhNuA7wAwz2zOD716Bh/K1SW89BNSY2UnR91YBVwDXhxA2ptt+kWKlYBcZvBeAr5rZMryn/PN+jr3NzJYAfwe2wufJE5Ln2Of0fgrAh91/l/Tab4ATQgibgJOBX0ZzwXcDXwohrIkde5+ZNUaPX6f0p+zbpUBt0mvxOfaFZjYSuJxo/UEIYR1eTvmnmXxxCOHnIYR/J73WDRwLnGBmL+L//7TiIwSptl+kZKhsq8ggmNkuwL0hhL0L3BQRkV6pxy4iIlJC1GMXyZCZ/Q7YNenlC0IICwvRnnSZ2dH4MHXc8hDC8b0dn4PvvxZIXrF+RQjh5nx8v0ipULCLiIiUEA3Fi4iIlBAFu4iISAlRsIuIiJQQBbuIiEgJUbCLiIiUkP8DnXdS8jQJkDYAAAAASUVORK5CYII=\n",
      "text/plain": [
       "<matplotlib.figure.Figure at 0x7fa707af57b8>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    " # initialize figure\n",
    "fig, ax_ = plt.subplots(figsize=(8, 8))         \n",
    "\n",
    "# plot groups with appropriate color\n",
    "color_list = ['royalblue', 'magenta'] \n",
    "c_idx = 0\n",
    "groups = valid_yhat_df.groupby(y_name) # define groups for levels of PAY_0\n",
    "for name, group in groups:\n",
    "    ax_.plot(group.p_DEFAULT_NEXT_MONTH, group.r_DEFAULT_NEXT_MONTH, \n",
    "             label=' '.join([y_name, str(name)]),\n",
    "             marker='o', linestyle='', color=color_list[c_idx], alpha=0.3)\n",
    "    c_idx += 1\n",
    "    \n",
    "# annotate plot\n",
    "_ = plt.xlabel(yhat_name)\n",
    "_ = plt.ylabel(resid_name)\n",
    "_ = ax_.legend(loc=1)\n",
    "_ = plt.title('Global Logloss Residuals')"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "Some high-magnitude outlying residuals are visible. Who are these customers? Why is the model so wrong about them? And are they somehow exerting undue influence on other predictions? The model could be retrained without these individuals and retested as a potentially remediation strategy. "
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Sort data by residuals and display data and residuals\n",
    "Printing a table with model inputs, actual target values, and model predictions sorted by residuals is another simple way to analyze residuals. Customers that defaulted, but were predicted not to, are listed at the top of the table below. The next table contains customers who were predicted to default, but then did not. Also notice the jumps in residual values. These are the potential outliers pictured in the residual plot above. "
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### `DEFAULT_NEXT_MONTH = 1` residuals"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 14,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>ID</th>\n",
       "      <th>LIMIT_BAL</th>\n",
       "      <th>SEX</th>\n",
       "      <th>EDUCATION</th>\n",
       "      <th>MARRIAGE</th>\n",
       "      <th>AGE</th>\n",
       "      <th>PAY_0</th>\n",
       "      <th>PAY_2</th>\n",
       "      <th>PAY_3</th>\n",
       "      <th>PAY_4</th>\n",
       "      <th>PAY_5</th>\n",
       "      <th>PAY_6</th>\n",
       "      <th>BILL_AMT1</th>\n",
       "      <th>BILL_AMT2</th>\n",
       "      <th>BILL_AMT3</th>\n",
       "      <th>BILL_AMT4</th>\n",
       "      <th>BILL_AMT5</th>\n",
       "      <th>BILL_AMT6</th>\n",
       "      <th>PAY_AMT1</th>\n",
       "      <th>PAY_AMT2</th>\n",
       "      <th>PAY_AMT3</th>\n",
       "      <th>PAY_AMT4</th>\n",
       "      <th>PAY_AMT5</th>\n",
       "      <th>PAY_AMT6</th>\n",
       "      <th>DEFAULT_NEXT_MONTH</th>\n",
       "      <th>p_DEFAULT_NEXT_MONTH</th>\n",
       "      <th>r_DEFAULT_NEXT_MONTH</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>2561</td>\n",
       "      <td>310000</td>\n",
       "      <td>female</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>single</td>\n",
       "      <td>32</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>20138</td>\n",
       "      <td>8267</td>\n",
       "      <td>65993</td>\n",
       "      <td>8543</td>\n",
       "      <td>1695</td>\n",
       "      <td>750</td>\n",
       "      <td>8267</td>\n",
       "      <td>66008</td>\n",
       "      <td>8543</td>\n",
       "      <td>1695</td>\n",
       "      <td>750</td>\n",
       "      <td>7350</td>\n",
       "      <td>1</td>\n",
       "      <td>0.045837</td>\n",
       "      <td>3.082662</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>3016</td>\n",
       "      <td>350000</td>\n",
       "      <td>male</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>married</td>\n",
       "      <td>38</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>16459</td>\n",
       "      <td>4120</td>\n",
       "      <td>44164</td>\n",
       "      <td>35233</td>\n",
       "      <td>884</td>\n",
       "      <td>9924</td>\n",
       "      <td>941</td>\n",
       "      <td>44743</td>\n",
       "      <td>0</td>\n",
       "      <td>884</td>\n",
       "      <td>9924</td>\n",
       "      <td>10824</td>\n",
       "      <td>1</td>\n",
       "      <td>0.050230</td>\n",
       "      <td>2.991137</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>11462</td>\n",
       "      <td>210000</td>\n",
       "      <td>female</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>single</td>\n",
       "      <td>46</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>15655</td>\n",
       "      <td>3918</td>\n",
       "      <td>29881</td>\n",
       "      <td>24247</td>\n",
       "      <td>21664</td>\n",
       "      <td>1556</td>\n",
       "      <td>4854</td>\n",
       "      <td>30366</td>\n",
       "      <td>0</td>\n",
       "      <td>433</td>\n",
       "      <td>1556</td>\n",
       "      <td>14047</td>\n",
       "      <td>1</td>\n",
       "      <td>0.050527</td>\n",
       "      <td>2.985238</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>25772</td>\n",
       "      <td>350000</td>\n",
       "      <td>female</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>married</td>\n",
       "      <td>33</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>82964</td>\n",
       "      <td>68532</td>\n",
       "      <td>17926</td>\n",
       "      <td>17966</td>\n",
       "      <td>30741</td>\n",
       "      <td>31088</td>\n",
       "      <td>68940</td>\n",
       "      <td>18018</td>\n",
       "      <td>18058</td>\n",
       "      <td>30897</td>\n",
       "      <td>31244</td>\n",
       "      <td>88461</td>\n",
       "      <td>1</td>\n",
       "      <td>0.051503</td>\n",
       "      <td>2.966110</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>6933</td>\n",
       "      <td>500000</td>\n",
       "      <td>male</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>single</td>\n",
       "      <td>37</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>4331</td>\n",
       "      <td>60446</td>\n",
       "      <td>30592</td>\n",
       "      <td>154167</td>\n",
       "      <td>13410</td>\n",
       "      <td>25426</td>\n",
       "      <td>60446</td>\n",
       "      <td>30594</td>\n",
       "      <td>150843</td>\n",
       "      <td>163881</td>\n",
       "      <td>25426</td>\n",
       "      <td>39526</td>\n",
       "      <td>1</td>\n",
       "      <td>0.051717</td>\n",
       "      <td>2.961960</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "      ID  LIMIT_BAL     SEX        EDUCATION MARRIAGE  AGE  \\\n",
       "0   2561     310000  female  graduate school   single   32   \n",
       "1   3016     350000    male  graduate school  married   38   \n",
       "2  11462     210000  female  graduate school   single   46   \n",
       "3  25772     350000  female  graduate school  married   33   \n",
       "4   6933     500000    male  graduate school   single   37   \n",
       "\n",
       "                     PAY_0           PAY_2           PAY_3  \\\n",
       "0           no consumption  no consumption  no consumption   \n",
       "1           no consumption  no consumption        pay duly   \n",
       "2                 pay duly        pay duly        pay duly   \n",
       "3  use of revolving credit        pay duly        pay duly   \n",
       "4                 pay duly        pay duly        pay duly   \n",
       "\n",
       "                     PAY_4                    PAY_5           PAY_6  \\\n",
       "0           no consumption           no consumption  no consumption   \n",
       "1  use of revolving credit  use of revolving credit  no consumption   \n",
       "2  use of revolving credit  use of revolving credit        pay duly   \n",
       "3                 pay duly                 pay duly        pay duly   \n",
       "4                 pay duly                 pay duly        pay duly   \n",
       "\n",
       "   BILL_AMT1  BILL_AMT2  BILL_AMT3  BILL_AMT4  BILL_AMT5  BILL_AMT6  PAY_AMT1  \\\n",
       "0      20138       8267      65993       8543       1695        750      8267   \n",
       "1      16459       4120      44164      35233        884       9924       941   \n",
       "2      15655       3918      29881      24247      21664       1556      4854   \n",
       "3      82964      68532      17926      17966      30741      31088     68940   \n",
       "4       4331      60446      30592     154167      13410      25426     60446   \n",
       "\n",
       "   PAY_AMT2  PAY_AMT3  PAY_AMT4  PAY_AMT5  PAY_AMT6  DEFAULT_NEXT_MONTH  \\\n",
       "0     66008      8543      1695       750      7350                   1   \n",
       "1     44743         0       884      9924     10824                   1   \n",
       "2     30366         0       433      1556     14047                   1   \n",
       "3     18018     18058     30897     31244     88461                   1   \n",
       "4     30594    150843    163881     25426     39526                   1   \n",
       "\n",
       "   p_DEFAULT_NEXT_MONTH  r_DEFAULT_NEXT_MONTH  \n",
       "0              0.045837              3.082662  \n",
       "1              0.050230              2.991137  \n",
       "2              0.050527              2.985238  \n",
       "3              0.051503              2.966110  \n",
       "4              0.051717              2.961960  "
      ]
     },
     "execution_count": 14,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "valid_yhat_df1 = valid_yhat_df[valid_yhat_df[y_name] == 1]\n",
    "valid_yhat_df1 = valid_yhat_df1.sort_values(by='r_DEFAULT_NEXT_MONTH', ascending=False).reset_index(drop=True)\n",
    "valid_yhat_df1.head()"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### `DEFAULT_NEXT_MONTH = 0` residuals"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 15,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>ID</th>\n",
       "      <th>LIMIT_BAL</th>\n",
       "      <th>SEX</th>\n",
       "      <th>EDUCATION</th>\n",
       "      <th>MARRIAGE</th>\n",
       "      <th>AGE</th>\n",
       "      <th>PAY_0</th>\n",
       "      <th>PAY_2</th>\n",
       "      <th>PAY_3</th>\n",
       "      <th>PAY_4</th>\n",
       "      <th>PAY_5</th>\n",
       "      <th>PAY_6</th>\n",
       "      <th>BILL_AMT1</th>\n",
       "      <th>BILL_AMT2</th>\n",
       "      <th>BILL_AMT3</th>\n",
       "      <th>BILL_AMT4</th>\n",
       "      <th>BILL_AMT5</th>\n",
       "      <th>BILL_AMT6</th>\n",
       "      <th>PAY_AMT1</th>\n",
       "      <th>PAY_AMT2</th>\n",
       "      <th>PAY_AMT3</th>\n",
       "      <th>PAY_AMT4</th>\n",
       "      <th>PAY_AMT5</th>\n",
       "      <th>PAY_AMT6</th>\n",
       "      <th>DEFAULT_NEXT_MONTH</th>\n",
       "      <th>p_DEFAULT_NEXT_MONTH</th>\n",
       "      <th>r_DEFAULT_NEXT_MONTH</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>5916</td>\n",
       "      <td>110000</td>\n",
       "      <td>female</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>married</td>\n",
       "      <td>41</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0.886468</td>\n",
       "      <td>2.175667</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>9672</td>\n",
       "      <td>170000</td>\n",
       "      <td>male</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>single</td>\n",
       "      <td>48</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0.874018</td>\n",
       "      <td>2.071614</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>22725</td>\n",
       "      <td>100000</td>\n",
       "      <td>female</td>\n",
       "      <td>university</td>\n",
       "      <td>married</td>\n",
       "      <td>38</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>750</td>\n",
       "      <td>750</td>\n",
       "      <td>750</td>\n",
       "      <td>750</td>\n",
       "      <td>750</td>\n",
       "      <td>750</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>1500</td>\n",
       "      <td>0</td>\n",
       "      <td>0.869051</td>\n",
       "      <td>2.032945</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>19316</td>\n",
       "      <td>110000</td>\n",
       "      <td>female</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>married</td>\n",
       "      <td>41</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>7 month delay</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>150</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0.866568</td>\n",
       "      <td>2.014160</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>29505</td>\n",
       "      <td>20000</td>\n",
       "      <td>male</td>\n",
       "      <td>university</td>\n",
       "      <td>married</td>\n",
       "      <td>40</td>\n",
       "      <td>1 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>14829</td>\n",
       "      <td>17267</td>\n",
       "      <td>16706</td>\n",
       "      <td>18694</td>\n",
       "      <td>19049</td>\n",
       "      <td>18459</td>\n",
       "      <td>3000</td>\n",
       "      <td>0</td>\n",
       "      <td>2560</td>\n",
       "      <td>955</td>\n",
       "      <td>0</td>\n",
       "      <td>661</td>\n",
       "      <td>0</td>\n",
       "      <td>0.852781</td>\n",
       "      <td>1.915832</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "      ID  LIMIT_BAL     SEX        EDUCATION MARRIAGE  AGE          PAY_0  \\\n",
       "0   5916     110000  female  graduate school  married   41  2 month delay   \n",
       "1   9672     170000    male  graduate school   single   48  2 month delay   \n",
       "2  22725     100000  female       university  married   38  3 month delay   \n",
       "3  19316     110000  female  graduate school  married   41  3 month delay   \n",
       "4  29505      20000    male       university  married   40  1 month delay   \n",
       "\n",
       "           PAY_2          PAY_3          PAY_4          PAY_5          PAY_6  \\\n",
       "0  2 month delay  7 month delay  7 month delay  7 month delay  7 month delay   \n",
       "1  2 month delay  7 month delay  7 month delay  7 month delay  7 month delay   \n",
       "2  2 month delay  2 month delay  3 month delay  3 month delay  3 month delay   \n",
       "3  2 month delay  2 month delay  7 month delay  7 month delay  7 month delay   \n",
       "4  2 month delay  3 month delay  2 month delay  3 month delay  3 month delay   \n",
       "\n",
       "   BILL_AMT1  BILL_AMT2  BILL_AMT3  BILL_AMT4  BILL_AMT5  BILL_AMT6  PAY_AMT1  \\\n",
       "0        150        150        150        150        150        150         0   \n",
       "1       2400       2400       2400       2400       2400       2400         0   \n",
       "2        750        750        750        750        750        750         0   \n",
       "3        150        150        150        150        150        150         0   \n",
       "4      14829      17267      16706      18694      19049      18459      3000   \n",
       "\n",
       "   PAY_AMT2  PAY_AMT3  PAY_AMT4  PAY_AMT5  PAY_AMT6  DEFAULT_NEXT_MONTH  \\\n",
       "0         0         0         0         0         0                   0   \n",
       "1         0         0         0         0         0                   0   \n",
       "2         0         0         0         0      1500                   0   \n",
       "3         0         0         0         0         0                   0   \n",
       "4         0      2560       955         0       661                   0   \n",
       "\n",
       "   p_DEFAULT_NEXT_MONTH  r_DEFAULT_NEXT_MONTH  \n",
       "0              0.886468              2.175667  \n",
       "1              0.874018              2.071614  \n",
       "2              0.869051              2.032945  \n",
       "3              0.866568              2.014160  \n",
       "4              0.852781              1.915832  "
      ]
     },
     "execution_count": 15,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "valid_yhat_df0 = valid_yhat_df[valid_yhat_df[y_name] == 0]\n",
    "valid_yhat_df0 = valid_yhat_df0.sort_values(by='r_DEFAULT_NEXT_MONTH', ascending=False).reset_index(drop=True)\n",
    "valid_yhat_df0.head()"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "This simple analysis has uncovered some of the most difficult customers for the GBM to correctly predict default. Perhaps because of the high importance of the payment variables, `PAY_0`-`PAY_6`, the GBM struggles to correctly predict several cases in which customers made timely recent payments and then suddenly defaulted and those customers that were chronically late making payments but did not default."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Plot residuals by most important input variable \n",
    "Residuals can also be plotted for important input variables to understand how the values of a single input variable affect prediction errors. When plotted by `PAY_0`, the residuals confirm that the GBM is struggling to accurately predict cases where default status is not correlated with recent payment behavior in an obvious way."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 16,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<matplotlib.figure.Figure at 0x7fa704a9a9b0>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    }
   ],
   "source": [
    "# use Seaborn FacetGrid for convenience\n",
    "# some seaborn configs\n",
    "sns.set(font_scale=0.9)                                         # legible font size\n",
    "sns.set_style('whitegrid', {'axes.grid': False})                # white background, no grid in plots\n",
    "sns.set_palette(sns.color_palette([\"#4169e1\", \"#ff00ff\"]))      # consistent colors\n",
    "\n",
    "# facet grid of residuals by PAY_0 \n",
    "sorted_ = valid_yhat_df.sort_values(by='PAY_0')                 # sort for better layout of by-groups\n",
    "g = sns.FacetGrid(sorted_, col='PAY_0', hue=y_name, col_wrap=4) # init grid\n",
    "_ = g.map(plt.scatter, yhat_name, resid_name, alpha=0.4)        # plot points\n",
    "_ = g.add_legend(bbox_to_anchor=(0.82, 0.2))                    # legend"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## 4. Retrain GBM Classifier Based on Results of Residual Analysis\n",
    "Now that an issue has been discovered using residual analysis, can it be resolved? \n",
    "\n",
    "#### Create a variable that contains information about behavior over time\n",
    "One strategy to improve prediction accuracy is to introduce a new variable that summarizes a customer's spending behavior over time to expose any potential financial instability: the standard deviation of a customer's bill amounts over six months."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 17,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>ID</th>\n",
       "      <th>LIMIT_BAL</th>\n",
       "      <th>SEX</th>\n",
       "      <th>EDUCATION</th>\n",
       "      <th>MARRIAGE</th>\n",
       "      <th>AGE</th>\n",
       "      <th>PAY_0</th>\n",
       "      <th>PAY_2</th>\n",
       "      <th>PAY_3</th>\n",
       "      <th>PAY_4</th>\n",
       "      <th>PAY_5</th>\n",
       "      <th>PAY_6</th>\n",
       "      <th>BILL_AMT1</th>\n",
       "      <th>BILL_AMT2</th>\n",
       "      <th>BILL_AMT3</th>\n",
       "      <th>BILL_AMT4</th>\n",
       "      <th>BILL_AMT5</th>\n",
       "      <th>BILL_AMT6</th>\n",
       "      <th>PAY_AMT1</th>\n",
       "      <th>PAY_AMT2</th>\n",
       "      <th>PAY_AMT3</th>\n",
       "      <th>PAY_AMT4</th>\n",
       "      <th>PAY_AMT5</th>\n",
       "      <th>PAY_AMT6</th>\n",
       "      <th>DEFAULT_NEXT_MONTH</th>\n",
       "      <th>bill_std</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>1</td>\n",
       "      <td>20000</td>\n",
       "      <td>female</td>\n",
       "      <td>university</td>\n",
       "      <td>married</td>\n",
       "      <td>24</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>3913</td>\n",
       "      <td>3102</td>\n",
       "      <td>689</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>689</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>1761.633219</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>2</td>\n",
       "      <td>120000</td>\n",
       "      <td>female</td>\n",
       "      <td>university</td>\n",
       "      <td>single</td>\n",
       "      <td>26</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>2682</td>\n",
       "      <td>1725</td>\n",
       "      <td>2682</td>\n",
       "      <td>3272</td>\n",
       "      <td>3455</td>\n",
       "      <td>3261</td>\n",
       "      <td>0</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>0</td>\n",
       "      <td>2000</td>\n",
       "      <td>1</td>\n",
       "      <td>637.967841</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>3</td>\n",
       "      <td>90000</td>\n",
       "      <td>female</td>\n",
       "      <td>university</td>\n",
       "      <td>single</td>\n",
       "      <td>34</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>29239</td>\n",
       "      <td>14027</td>\n",
       "      <td>13559</td>\n",
       "      <td>14331</td>\n",
       "      <td>14948</td>\n",
       "      <td>15549</td>\n",
       "      <td>1518</td>\n",
       "      <td>1500</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>5000</td>\n",
       "      <td>0</td>\n",
       "      <td>6064.518593</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "   ID  LIMIT_BAL     SEX   EDUCATION MARRIAGE  AGE                    PAY_0  \\\n",
       "0   1      20000  female  university  married   24            2 month delay   \n",
       "1   2     120000  female  university   single   26                 pay duly   \n",
       "2   3      90000  female  university   single   34  use of revolving credit   \n",
       "\n",
       "                     PAY_2                    PAY_3                    PAY_4  \\\n",
       "0            2 month delay                 pay duly                 pay duly   \n",
       "1            2 month delay  use of revolving credit  use of revolving credit   \n",
       "2  use of revolving credit  use of revolving credit  use of revolving credit   \n",
       "\n",
       "                     PAY_5                    PAY_6  BILL_AMT1  BILL_AMT2  \\\n",
       "0           no consumption           no consumption       3913       3102   \n",
       "1  use of revolving credit            2 month delay       2682       1725   \n",
       "2  use of revolving credit  use of revolving credit      29239      14027   \n",
       "\n",
       "   BILL_AMT3  BILL_AMT4  BILL_AMT5  BILL_AMT6  PAY_AMT1  PAY_AMT2  PAY_AMT3  \\\n",
       "0        689          0          0          0         0       689         0   \n",
       "1       2682       3272       3455       3261         0      1000      1000   \n",
       "2      13559      14331      14948      15549      1518      1500      1000   \n",
       "\n",
       "   PAY_AMT4  PAY_AMT5  PAY_AMT6  DEFAULT_NEXT_MONTH     bill_std  \n",
       "0         0         0         0                   1  1761.633219  \n",
       "1      1000         0      2000                   1   637.967841  \n",
       "2      1000      1000      5000                   0  6064.518593  "
      ]
     },
     "execution_count": 17,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "data2 = data.as_data_frame()\n",
    "data2['bill_std'] = data2[['BILL_AMT1', 'BILL_AMT2', 'BILL_AMT3', 'BILL_AMT4', 'BILL_AMT5', 'BILL_AMT6']].std(axis=1)\n",
    "data2.head(n=3)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Convert Pandas DataFrame back to H2OFrame for modeling"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 18,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Parse progress: |█████████████████████████████████████████████████████████| 100%\n"
     ]
    }
   ],
   "source": [
    "data2 = h2o.H2OFrame(data2)                          # convert \n",
    "data2[y_name] = data2[y_name].asfactor()             # ensure target is handled as a categorical variable\n",
    "train2, valid2 = data2.split_frame([0.7], seed=SEED) # split into training and validation"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Retrain GBM with new variable"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 19,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm Model Build progress: |███████████████████████████████████████████████| 100%\n",
      "GBM Validation AUC = 0.7825\n"
     ]
    }
   ],
   "source": [
    "# initialize GBM model\n",
    "gbm2 = H2OGradientBoostingEstimator(ntrees=150,            # maximum 150 trees in GBM\n",
    "                                    max_depth=6,           # trees can have maximum depth of 6\n",
    "                                    sample_rate=0.9,       # use 90% of rows in each iteration (tree)\n",
    "                                    col_sample_rate=0.85,  # use 90% of variables in each iteration (tree)\n",
    "                                    stopping_rounds=5,     # stop if validation error does not decrease for 5 iterations (trees)\n",
    "                                    seed=SEED)             # for reproducibility\n",
    "\n",
    "# retrain GBM model\n",
    "gbm2.train(y=y_name,\n",
    "           x=x_names + ['bill_std'], # add new variable\n",
    "           training_frame=train2, \n",
    "           validation_frame=valid2)\n",
    "\n",
    "# print AUC\n",
    "print('GBM Validation AUC = %.4f' % gbm2.auc(valid=True))"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "While there maybe be other more complex variables or a more optimal set of hyperparameters that could lead to further incremental increases in accuracy, more information is needed to achieve meaningful improvement in prediction performance. In particular, a common measure for credit lending, the customers' debt-to-income ratio, for each payment and billing period could be particularly useful. Spikes in debt-to-income ratio, representing loss of income or large increases in debt, would likely be very indicative of a default and would expose the GBM to information not currently available in the UCI credit card default data. Introducing new data could also de-emphasize `PAY_0`, which would likely result in a more stable model as well."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## 5. Perform Sensitivity Analysis to Test Model Performance on Unseen Data\n",
    "\n",
    "Sensitivity analysis investigates whether model behavior and outputs remain stable when data is intentionally perturbed or other changes are simulated in data. Beyond traditional assessment practices, sensitivity analysis of machine learning model predictions is perhaps the most important validation technique for machine learning models. Machine learning models can make drastically differing predictions for only minor changes in input variable values. \n",
    "\n",
    "Here sensitivity analysis is used to understand the impact of  changing the most important input variable, `PAY_0`, and the impact of a sociologically sensitive variable, `SEX`, in the model. If the model changes in reasonable and expected ways when important variable values are changed this can enhance trust in the model. If the contribution of potentially sensitive variables, such as those related to gender, race, age, marital status, or disability status, can be shown to have minimal impact on the model, this is an indication of fairness in the model predictions and can also increase overall trust in the model."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Bind new model predictions onto validation data \n",
    "Typically, a productive exercise in model debugging and validation is to investigate customers with very high or low predicted probabilities to determine if their predictions stay within reasonable bounds when important variables are changed. The predictions from the new, more accurate model are merged onto the validation set to find these potentially interesting customers. "
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 20,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm prediction progress: |████████████████████████████████████████████████| 100%\n"
     ]
    }
   ],
   "source": [
    "preds2 = gbm2.predict(valid2).drop(['predict', 'p0'])\n",
    "preds2.columns = [yhat_name]\n",
    "valid_yhat2 = valid2.cbind(preds2[yhat_name])"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Find some percentiles of yhat in the validation data"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 21,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "{0: 14020,\n",
       " 99: 25054,\n",
       " 10: 1027,\n",
       " 20: 21932,\n",
       " 30: 6331,\n",
       " 40: 24248,\n",
       " 50: 18409,\n",
       " 60: 22652,\n",
       " 70: 19717,\n",
       " 80: 9413,\n",
       " 90: 23311}"
      ]
     },
     "execution_count": 21,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "pred_percentile_dict = explain.get_percentile_dict(yhat_name, valid_yhat2.as_data_frame(), 'ID')\n",
    "pred_percentile_dict"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Display validation data prediction range\n",
    "Unlike some regression models and neural networks that can produce outrageous predictions for changes in input variables, GBM predictions in new data are bounded by the lowest and highest probability leaf nodes in each constiuent decision tree in the trained model. Extreme predictions are typically not an issue for tree models and classification tasks, but it is often a good idea to check that the model predictions cover a full range of useful values in the validation set."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 22,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Lowest prediction: "
     ]
    },
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  p_DEFAULT_NEXT_MONTH</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">                   0</td><td style=\"text-align: right;\">              0.037913</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "\n",
      "Highest prediction: "
     ]
    },
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  p_DEFAULT_NEXT_MONTH</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">                   1</td><td style=\"text-align: right;\">               0.90732</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "\n"
     ]
    }
   ],
   "source": [
    "print('Lowest prediction:', valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[0])][[y_name, yhat_name]])\n",
    "print('Highest prediction:', valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[99])][[y_name, yhat_name]])"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Use trained model to test predictions for interesting situations: customer least likely to default\n",
    "As a starting point for further analysis, sensitivity analysis is performed for the customer least likely to default. This person has a very low probability of defaulting according to the trained GBM."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 23,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">   ID</th><th style=\"text-align: right;\">  LIMIT_BAL</th><th>SEX  </th><th>EDUCATION  </th><th>MARRIAGE  </th><th style=\"text-align: right;\">  AGE</th><th>PAY_0                  </th><th>PAY_2                  </th><th>PAY_3                  </th><th>PAY_4                  </th><th>PAY_5                  </th><th>PAY_6                  </th><th style=\"text-align: right;\">  BILL_AMT1</th><th style=\"text-align: right;\">  BILL_AMT2</th><th style=\"text-align: right;\">  BILL_AMT3</th><th style=\"text-align: right;\">  BILL_AMT4</th><th style=\"text-align: right;\">  BILL_AMT5</th><th style=\"text-align: right;\">  BILL_AMT6</th><th style=\"text-align: right;\">  PAY_AMT1</th><th style=\"text-align: right;\">  PAY_AMT2</th><th style=\"text-align: right;\">  PAY_AMT3</th><th style=\"text-align: right;\">  PAY_AMT4</th><th style=\"text-align: right;\">  PAY_AMT5</th><th style=\"text-align: right;\">  PAY_AMT6</th><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  bill_std</th><th style=\"text-align: right;\">  p_DEFAULT_NEXT_MONTH</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">14020</td><td style=\"text-align: right;\">     500000</td><td>male </td><td>university </td><td>married   </td><td style=\"text-align: right;\">   42</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td style=\"text-align: right;\">     114374</td><td style=\"text-align: right;\">     130999</td><td style=\"text-align: right;\">     153648</td><td style=\"text-align: right;\">     172515</td><td style=\"text-align: right;\">     178758</td><td style=\"text-align: right;\">     192589</td><td style=\"text-align: right;\">     50012</td><td style=\"text-align: right;\">     51343</td><td style=\"text-align: right;\">     70000</td><td style=\"text-align: right;\">     70000</td><td style=\"text-align: right;\">     80000</td><td style=\"text-align: right;\">     50000</td><td style=\"text-align: right;\">                   0</td><td style=\"text-align: right;\">   29949.4</td><td style=\"text-align: right;\">              0.037913</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "data": {
      "text/plain": []
     },
     "execution_count": 23,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "test_case = valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[0])]\n",
    "test_case"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Test effect of changing `SEX`"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "`SEX` should not have a large impact on predictions. This could indicate unwanted sociological bias in the GBM model."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 24,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm prediction progress: |████████████████████████████████████████████████| 100%\n"
     ]
    },
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">   ID</th><th style=\"text-align: right;\">  LIMIT_BAL</th><th>SEX   </th><th>EDUCATION  </th><th>MARRIAGE  </th><th style=\"text-align: right;\">  AGE</th><th>PAY_0                  </th><th>PAY_2                  </th><th>PAY_3                  </th><th>PAY_4                  </th><th>PAY_5                  </th><th>PAY_6                  </th><th style=\"text-align: right;\">  BILL_AMT1</th><th style=\"text-align: right;\">  BILL_AMT2</th><th style=\"text-align: right;\">  BILL_AMT3</th><th style=\"text-align: right;\">  BILL_AMT4</th><th style=\"text-align: right;\">  BILL_AMT5</th><th style=\"text-align: right;\">  BILL_AMT6</th><th style=\"text-align: right;\">  PAY_AMT1</th><th style=\"text-align: right;\">  PAY_AMT2</th><th style=\"text-align: right;\">  PAY_AMT3</th><th style=\"text-align: right;\">  PAY_AMT4</th><th style=\"text-align: right;\">  PAY_AMT5</th><th style=\"text-align: right;\">  PAY_AMT6</th><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  bill_std</th><th style=\"text-align: right;\">  predict</th><th style=\"text-align: right;\">      p0</th><th style=\"text-align: right;\">      p1</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">14020</td><td style=\"text-align: right;\">     500000</td><td>female</td><td>university </td><td>married   </td><td style=\"text-align: right;\">   42</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td style=\"text-align: right;\">     114374</td><td style=\"text-align: right;\">     130999</td><td style=\"text-align: right;\">     153648</td><td style=\"text-align: right;\">     172515</td><td style=\"text-align: right;\">     178758</td><td style=\"text-align: right;\">     192589</td><td style=\"text-align: right;\">     50012</td><td style=\"text-align: right;\">     51343</td><td style=\"text-align: right;\">     70000</td><td style=\"text-align: right;\">     70000</td><td style=\"text-align: right;\">     80000</td><td style=\"text-align: right;\">     50000</td><td style=\"text-align: right;\">                   0</td><td style=\"text-align: right;\">   29949.4</td><td style=\"text-align: right;\">        0</td><td style=\"text-align: right;\">0.962739</td><td style=\"text-align: right;\">0.037261</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "data": {
      "text/plain": []
     },
     "execution_count": 24,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "test_case = valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[0])]\n",
    "test_case = test_case.drop([yhat_name])\n",
    "test_case['SEX'] = 'female'\n",
    "test_case = test_case.cbind(gbm2.predict(test_case))\n",
    "test_case"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "As desired, simulating this person as a different sex does not have a large impact on their probability of default."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Test effect of changing `PAY_0`"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "Variable importance and residual analysis indicates that the value of `PAY_0` can have a strong effect on model predictions. Measuring the change in predicted probability when the value of `PAY_0` is changed from a timely payment to late payment is probably a good test case for prediction stability. "
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 25,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm prediction progress: |████████████████████████████████████████████████| 100%\n"
     ]
    },
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">   ID</th><th style=\"text-align: right;\">  LIMIT_BAL</th><th>SEX  </th><th>EDUCATION  </th><th>MARRIAGE  </th><th style=\"text-align: right;\">  AGE</th><th>PAY_0        </th><th>PAY_2                  </th><th>PAY_3                  </th><th>PAY_4                  </th><th>PAY_5                  </th><th>PAY_6                  </th><th style=\"text-align: right;\">  BILL_AMT1</th><th style=\"text-align: right;\">  BILL_AMT2</th><th style=\"text-align: right;\">  BILL_AMT3</th><th style=\"text-align: right;\">  BILL_AMT4</th><th style=\"text-align: right;\">  BILL_AMT5</th><th style=\"text-align: right;\">  BILL_AMT6</th><th style=\"text-align: right;\">  PAY_AMT1</th><th style=\"text-align: right;\">  PAY_AMT2</th><th style=\"text-align: right;\">  PAY_AMT3</th><th style=\"text-align: right;\">  PAY_AMT4</th><th style=\"text-align: right;\">  PAY_AMT5</th><th style=\"text-align: right;\">  PAY_AMT6</th><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  bill_std</th><th style=\"text-align: right;\">  predict</th><th style=\"text-align: right;\">      p0</th><th style=\"text-align: right;\">      p1</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">14020</td><td style=\"text-align: right;\">     500000</td><td>male </td><td>university </td><td>married   </td><td style=\"text-align: right;\">   42</td><td>2 month delay</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td>use of revolving credit</td><td style=\"text-align: right;\">     114374</td><td style=\"text-align: right;\">     130999</td><td style=\"text-align: right;\">     153648</td><td style=\"text-align: right;\">     172515</td><td style=\"text-align: right;\">     178758</td><td style=\"text-align: right;\">     192589</td><td style=\"text-align: right;\">     50012</td><td style=\"text-align: right;\">     51343</td><td style=\"text-align: right;\">     70000</td><td style=\"text-align: right;\">     70000</td><td style=\"text-align: right;\">     80000</td><td style=\"text-align: right;\">     50000</td><td style=\"text-align: right;\">                   0</td><td style=\"text-align: right;\">   29949.4</td><td style=\"text-align: right;\">        1</td><td style=\"text-align: right;\">0.410981</td><td style=\"text-align: right;\">0.589019</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "data": {
      "text/plain": []
     },
     "execution_count": 25,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "test_case = valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[0])]\n",
    "test_case = test_case.drop([yhat_name])\n",
    "test_case['PAY_0'] = '2 month delay' \n",
    "test_case = test_case.cbind(gbm2.predict(test_case))\n",
    "test_case"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "When the value is changed to `two month delay` there is a very large increase in predicted probability. Such a marked change related to the value of one variable is problematic for numerous reasons."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Use trained model to test predictions for interesting situations: customer most likely to default\n",
    "Now the same test will be performed on the customer most likely to default. This person has a very high probability of default under the GBM model. "
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 26,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">   ID</th><th style=\"text-align: right;\">  LIMIT_BAL</th><th>SEX  </th><th>EDUCATION      </th><th>MARRIAGE  </th><th style=\"text-align: right;\">  AGE</th><th>PAY_0        </th><th>PAY_2        </th><th>PAY_3        </th><th>PAY_4        </th><th>PAY_5        </th><th>PAY_6        </th><th style=\"text-align: right;\">  BILL_AMT1</th><th style=\"text-align: right;\">  BILL_AMT2</th><th style=\"text-align: right;\">  BILL_AMT3</th><th style=\"text-align: right;\">  BILL_AMT4</th><th style=\"text-align: right;\">  BILL_AMT5</th><th style=\"text-align: right;\">  BILL_AMT6</th><th style=\"text-align: right;\">  PAY_AMT1</th><th style=\"text-align: right;\">  PAY_AMT2</th><th style=\"text-align: right;\">  PAY_AMT3</th><th style=\"text-align: right;\">  PAY_AMT4</th><th style=\"text-align: right;\">  PAY_AMT5</th><th style=\"text-align: right;\">  PAY_AMT6</th><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  bill_std</th><th style=\"text-align: right;\">  p_DEFAULT_NEXT_MONTH</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">25054</td><td style=\"text-align: right;\">     500000</td><td>male </td><td>graduate school</td><td>married   </td><td style=\"text-align: right;\">   55</td><td>3 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">                   1</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">               0.90732</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "data": {
      "text/plain": []
     },
     "execution_count": 26,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "test_case = valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[99])]\n",
    "test_case"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Test effect of changing `SEX`\n",
    "Changing the value for `SEX` for this customer changes the predicted probability by a relatively small amount."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 27,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm prediction progress: |████████████████████████████████████████████████| 100%\n"
     ]
    },
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">   ID</th><th style=\"text-align: right;\">  LIMIT_BAL</th><th>SEX   </th><th>EDUCATION      </th><th>MARRIAGE  </th><th style=\"text-align: right;\">  AGE</th><th>PAY_0        </th><th>PAY_2        </th><th>PAY_3        </th><th>PAY_4        </th><th>PAY_5        </th><th>PAY_6        </th><th style=\"text-align: right;\">  BILL_AMT1</th><th style=\"text-align: right;\">  BILL_AMT2</th><th style=\"text-align: right;\">  BILL_AMT3</th><th style=\"text-align: right;\">  BILL_AMT4</th><th style=\"text-align: right;\">  BILL_AMT5</th><th style=\"text-align: right;\">  BILL_AMT6</th><th style=\"text-align: right;\">  PAY_AMT1</th><th style=\"text-align: right;\">  PAY_AMT2</th><th style=\"text-align: right;\">  PAY_AMT3</th><th style=\"text-align: right;\">  PAY_AMT4</th><th style=\"text-align: right;\">  PAY_AMT5</th><th style=\"text-align: right;\">  PAY_AMT6</th><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  bill_std</th><th style=\"text-align: right;\">  predict</th><th style=\"text-align: right;\">       p0</th><th style=\"text-align: right;\">      p1</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">25054</td><td style=\"text-align: right;\">     500000</td><td>female</td><td>graduate school</td><td>married   </td><td style=\"text-align: right;\">   55</td><td>3 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">                   1</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">        1</td><td style=\"text-align: right;\">0.0919855</td><td style=\"text-align: right;\">0.908015</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "data": {
      "text/plain": []
     },
     "execution_count": 27,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "test_case = valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[99])]\n",
    "test_case = test_case.drop([yhat_name])\n",
    "test_case['SEX'] = 'female'\n",
    "test_case = test_case.cbind(gbm2.predict(test_case))\n",
    "test_case"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Test effect of changing `PAY_0`\n",
    "Switching the riskiest customer's value for `PAY_0` to `pay duly` reduces the their chance of default by a lot, a noticable swing in probability but still a higher probability value, notably greater than common lending cutoffs."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 28,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "gbm prediction progress: |████████████████████████████████████████████████| 100%\n"
     ]
    },
    {
     "data": {
      "text/html": [
       "<table>\n",
       "<thead>\n",
       "<tr><th style=\"text-align: right;\">   ID</th><th style=\"text-align: right;\">  LIMIT_BAL</th><th>SEX  </th><th>EDUCATION      </th><th>MARRIAGE  </th><th style=\"text-align: right;\">  AGE</th><th>PAY_0   </th><th>PAY_2        </th><th>PAY_3        </th><th>PAY_4        </th><th>PAY_5        </th><th>PAY_6        </th><th style=\"text-align: right;\">  BILL_AMT1</th><th style=\"text-align: right;\">  BILL_AMT2</th><th style=\"text-align: right;\">  BILL_AMT3</th><th style=\"text-align: right;\">  BILL_AMT4</th><th style=\"text-align: right;\">  BILL_AMT5</th><th style=\"text-align: right;\">  BILL_AMT6</th><th style=\"text-align: right;\">  PAY_AMT1</th><th style=\"text-align: right;\">  PAY_AMT2</th><th style=\"text-align: right;\">  PAY_AMT3</th><th style=\"text-align: right;\">  PAY_AMT4</th><th style=\"text-align: right;\">  PAY_AMT5</th><th style=\"text-align: right;\">  PAY_AMT6</th><th style=\"text-align: right;\">  DEFAULT_NEXT_MONTH</th><th style=\"text-align: right;\">  bill_std</th><th style=\"text-align: right;\">  predict</th><th style=\"text-align: right;\">      p0</th><th style=\"text-align: right;\">      p1</th></tr>\n",
       "</thead>\n",
       "<tbody>\n",
       "<tr><td style=\"text-align: right;\">25054</td><td style=\"text-align: right;\">     500000</td><td>male </td><td>graduate school</td><td>married   </td><td style=\"text-align: right;\">   55</td><td>pay duly</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td>2 month delay</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">       4957</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">                   1</td><td style=\"text-align: right;\">         0</td><td style=\"text-align: right;\">        1</td><td style=\"text-align: right;\">0.328214</td><td style=\"text-align: right;\">0.671786</td></tr>\n",
       "</tbody>\n",
       "</table>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    },
    {
     "data": {
      "text/plain": []
     },
     "execution_count": 28,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "test_case = valid_yhat2[valid_yhat2['ID'] == int(pred_percentile_dict[99])]\n",
    "test_case = test_case.drop([yhat_name])\n",
    "test_case['PAY_0'] = 'pay duly' \n",
    "test_case = test_case.cbind(gbm2.predict(test_case))\n",
    "test_case"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "From this small number of boundary test cases, the GBM model appears stable. However, if large swings in predictions occur for sensitive or important variables, practicioners are urged to retrain unstable models without the problematic variables or combinations of variables, which may unfortunately involve some trial and error. Also, four test cases is woefully inadequate for real-world models. Automated sensitivity analysis across many variables, combinations of variables, and for many different rows of data seems more appropriate for mission-critical machine learning."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "## 6. Benchmark Models\n",
    "Benchmark models are an excellent model debugging tool. They can be used at training time to understand how a new model differs from an established, trusted model. They can also be used at scoring time to understand if a newer or more complex model is giving different predictions from a previously deployed trusted model or simpler model. If a prediction from a new model is too different from a prediction from a trusted model, this could be indicative of potential accuracy, fairness, or security problems."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Train a benchmark GLM \n",
    "Instead of using a pre-existing model, a stable penalized GLM will be used as a benchmark in this notebook."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 29,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "glm Grid Build progress: |████████████████████████████████████████████████| 100%\n",
      "Best penalized GLM mean logloss residual: 0.440206\n",
      "At threshold: 0.246137\n"
     ]
    }
   ],
   "source": [
    "best_glm = model.glm_grid(x_names + ['bill_std'], y_name, train2, valid2, SEED)\n",
    "print('Best penalized GLM mean logloss residual: %.6f' % \n",
    "      best_glm.logloss(valid=True))\n",
    "glm_cut = best_glm.F1(valid=True)[0][0] # get GLM cutoff to create decisions\n",
    "print('At threshold: %.6f' % glm_cut)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Find a comparable GBM cutoff"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 30,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "GBM mean logloss residual: 0.431708\n",
      "At threshold: 0.227593\n"
     ]
    }
   ],
   "source": [
    "print('GBM mean logloss residual: %.6f' % \n",
    "      gbm2.logloss(valid=True))\n",
    "gbm_cut = gbm2.F1(valid=True)[0][0] # get GBM cutoff to create decisions\n",
    "print('At threshold: %.6f' % gbm_cut)"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Find rows where GLM benchmark model is right, but GBM is wrong\n",
    "One interesting place to start comparing a more complex model to a simpler model is when the simple model is right and the complex model is wrong."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 31,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "glm prediction progress: |████████████████████████████████████████████████| 100%\n"
     ]
    },
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
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       "\n",
       "    .dataframe thead th {\n",
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       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>LIMIT_BAL</th>\n",
       "      <th>SEX</th>\n",
       "      <th>EDUCATION</th>\n",
       "      <th>MARRIAGE</th>\n",
       "      <th>AGE</th>\n",
       "      <th>PAY_0</th>\n",
       "      <th>PAY_2</th>\n",
       "      <th>PAY_3</th>\n",
       "      <th>PAY_4</th>\n",
       "      <th>PAY_5</th>\n",
       "      <th>PAY_6</th>\n",
       "      <th>BILL_AMT1</th>\n",
       "      <th>BILL_AMT2</th>\n",
       "      <th>BILL_AMT3</th>\n",
       "      <th>BILL_AMT4</th>\n",
       "      <th>BILL_AMT5</th>\n",
       "      <th>BILL_AMT6</th>\n",
       "      <th>PAY_AMT1</th>\n",
       "      <th>PAY_AMT2</th>\n",
       "      <th>PAY_AMT3</th>\n",
       "      <th>PAY_AMT4</th>\n",
       "      <th>PAY_AMT5</th>\n",
       "      <th>PAY_AMT6</th>\n",
       "      <th>DEFAULT_NEXT_MONTH</th>\n",
       "      <th>p_glm_DEFAULT_NEXT_MONTH</th>\n",
       "      <th>p_gbm_DEFAULT_NEXT_MONTH</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>22</th>\n",
       "      <td>300000</td>\n",
       "      <td>female</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>married</td>\n",
       "      <td>45</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>291</td>\n",
       "      <td>0</td>\n",
       "      <td>0.138724</td>\n",
       "      <td>0.234757</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>51</th>\n",
       "      <td>360000</td>\n",
       "      <td>male</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>single</td>\n",
       "      <td>29</td>\n",
       "      <td>1 month delay</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>pay duly</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>77</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>77</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0.203638</td>\n",
       "      <td>0.302616</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>65</th>\n",
       "      <td>50000</td>\n",
       "      <td>female</td>\n",
       "      <td>high school</td>\n",
       "      <td>single</td>\n",
       "      <td>37</td>\n",
       "      <td>1 month delay</td>\n",
       "      <td>3 month delay</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>52626</td>\n",
       "      <td>51537</td>\n",
       "      <td>49205</td>\n",
       "      <td>30394</td>\n",
       "      <td>30249</td>\n",
       "      <td>29957</td>\n",
       "      <td>0</td>\n",
       "      <td>24</td>\n",
       "      <td>1500</td>\n",
       "      <td>1000</td>\n",
       "      <td>1201</td>\n",
       "      <td>30592</td>\n",
       "      <td>1</td>\n",
       "      <td>0.356709</td>\n",
       "      <td>0.211182</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>80</th>\n",
       "      <td>10000</td>\n",
       "      <td>male</td>\n",
       "      <td>high school</td>\n",
       "      <td>single</td>\n",
       "      <td>23</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>use of revolving credit</td>\n",
       "      <td>2 month delay</td>\n",
       "      <td>6974</td>\n",
       "      <td>7838</td>\n",
       "      <td>9002</td>\n",
       "      <td>9182</td>\n",
       "      <td>9729</td>\n",
       "      <td>9411</td>\n",
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       "      <td>1298</td>\n",
       "      <td>478</td>\n",
       "      <td>847</td>\n",
       "      <td>0</td>\n",
       "      <td>175</td>\n",
       "      <td>0</td>\n",
       "      <td>0.182870</td>\n",
       "      <td>0.288847</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>92</th>\n",
       "      <td>440000</td>\n",
       "      <td>female</td>\n",
       "      <td>graduate school</td>\n",
       "      <td>single</td>\n",
       "      <td>36</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>no consumption</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>162000</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>0.045490</td>\n",
       "      <td>0.298846</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "    LIMIT_BAL     SEX        EDUCATION MARRIAGE  AGE                    PAY_0  \\\n",
       "22     300000  female  graduate school  married   45                 pay duly   \n",
       "51     360000    male  graduate school   single   29            1 month delay   \n",
       "65      50000  female      high school   single   37            1 month delay   \n",
       "80      10000    male      high school   single   23  use of revolving credit   \n",
       "92     440000  female  graduate school   single   36           no consumption   \n",
       "\n",
       "                      PAY_2                    PAY_3                    PAY_4  \\\n",
       "22                 pay duly                 pay duly                 pay duly   \n",
       "51           no consumption                 pay duly                 pay duly   \n",
       "65            3 month delay            2 month delay  use of revolving credit   \n",
       "80  use of revolving credit  use of revolving credit  use of revolving credit   \n",
       "92           no consumption           no consumption           no consumption   \n",
       "\n",
       "                      PAY_5                    PAY_6  BILL_AMT1  BILL_AMT2  \\\n",
       "22                 pay duly                 pay duly        291        291   \n",
       "51           no consumption           no consumption          0          0   \n",
       "65  use of revolving credit  use of revolving credit      52626      51537   \n",
       "80  use of revolving credit            2 month delay       6974       7838   \n",
       "92           no consumption           no consumption          0          0   \n",
       "\n",
       "    BILL_AMT3  BILL_AMT4  BILL_AMT5  BILL_AMT6  PAY_AMT1  PAY_AMT2  PAY_AMT3  \\\n",
       "22        291        291        291        291       291       291       291   \n",
       "51         77          0          0          0         0        77         0   \n",
       "65      49205      30394      30249      29957         0        24      1500   \n",
       "80       9002       9182       9729       9411      1134      1298       478   \n",
       "92          0          0          0          0         0         0         0   \n",
       "\n",
       "    PAY_AMT4  PAY_AMT5  PAY_AMT6  DEFAULT_NEXT_MONTH  \\\n",
       "22       291       291       291                   0   \n",
       "51         0         0         0                   0   \n",
       "65      1000      1201     30592                   1   \n",
       "80       847         0       175                   0   \n",
       "92         0    162000         0                   0   \n",
       "\n",
       "    p_glm_DEFAULT_NEXT_MONTH  p_gbm_DEFAULT_NEXT_MONTH  \n",
       "22                  0.138724                  0.234757  \n",
       "51                  0.203638                  0.302616  \n",
       "65                  0.356709                  0.211182  \n",
       "80                  0.182870                  0.288847  \n",
       "92                  0.045490                  0.298846  "
      ]
     },
     "execution_count": 31,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "# copy validation data\n",
    "valid_yhat_df2 = valid_yhat2.as_data_frame().copy(deep=True)\n",
    "\n",
    "# create columns for gbm and glm preds\n",
    "valid_yhat_df2.rename(columns={yhat_name: 'p_gbm_DEFAULT_NEXT_MONTH'}, inplace=True)\n",
    "valid_yhat_df2['p_glm_DEFAULT_NEXT_MONTH'] = best_glm.\\\n",
    "    predict(valid2)['p1'].\\\n",
    "    as_data_frame()\n",
    "\n",
    "# create columns for gbm and glm decisions (i.e. apply cutoff)\n",
    "valid_yhat_df2['gbm_DECISION'] = 0\n",
    "valid_yhat_df2.loc[valid_yhat_df2['p_gbm_DEFAULT_NEXT_MONTH'] > gbm_cut,\n",
    "                   'gbm_DECISION'] = 1\n",
    "valid_yhat_df2['glm_DECISION'] = 0\n",
    "valid_yhat_df2.loc[valid_yhat_df2['p_glm_DEFAULT_NEXT_MONTH'] > glm_cut,\n",
    "                   'glm_DECISION'] = 1\n",
    "\n",
    "# create columns for gbm and glm wrong decisions\n",
    "valid_yhat_df2['gbm_WRONG'] = 0\n",
    "valid_yhat_df2.loc[valid_yhat_df2[y_name] != valid_yhat_df2['gbm_DECISION'], 'gbm_WRONG'] = 1\n",
    "valid_yhat_df2['glm_WRONG'] = 0\n",
    "valid_yhat_df2.loc[valid_yhat_df2[y_name] != valid_yhat_df2['glm_DECISION'], 'glm_WRONG'] = 1\n",
    "\n",
    "# create a subset of preds where gbm is wrong, but glm is right\n",
    "gbm_wrong = valid_yhat_df2.loc[(valid_yhat_df2['gbm_WRONG'] == 1) & \n",
    "                               (valid_yhat_df2['glm_WRONG'] == 0)]\n",
    "\n",
    "gbm_wrong[x_names + [y_name, 'p_glm_DEFAULT_NEXT_MONTH', 'p_gbm_DEFAULT_NEXT_MONTH']].head()"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Plot rows where GLM benchmark model is right, but GBM is wrong"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 32,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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hdOzY0a333LlzZw4ePEiPHj20RivOcjjuCgkJYfbs2Xz44Yfo9Xq8vLyYOnUqjRo1YurUqQwbNsyh0Yq7+vTpw82bNx2a/L/55pvUrVuX999/n8mTJ/PMM8/g6elJ165dee211+jRowfvv/8+GzZsyNZoBdTGOnPnzqVPnz74+flRtmxZ7r33Xu23BLBgwQJWrFiBxWKhUqVKTJo0KVva3Pl+7lY6RZHpgYQQQtz9pEhTCCFEqSABTwghRKkgAU8IIUSpIAFPCCFEqSABTwghRKlQorolHDhwoKiTIIQQohhq3bq1y21KVMAD996UEEKI0sPdzJAUaQohhCgVJOAJIYQoFSTgCSGEKBUk4AkhhCgVJOAJIYQoFSTgCSGEKBUk4AkhSozo6GheeOGF23793r17efTRR4mIiODZZ59lxIgRXL9+HYDIyEg6depEREQEERER/Oc//wEgIiKC/v37ExERwfPPP6/tKyYmhkaNGrFnzx5t2Xvvvcf+/fu155999hmRkZEA2iz2Ni+++CIRERE8/PDD9OnTh4iICL799ttsab548SINGjTgt99+A8BsNvP0008DsHbtWjp37qylefr06SiKQkREBEePHgXg5MmTDBgwgKVLlxIREUHPnj21z+C1115z+jkNGDBAm0UdYM+ePTRo0EB7b+fPn2fo0KEMGjSIgQMH8scff2hpa9CgAStWrNBe26VLF86cOaOlsXnz5trjv/76K9vnMmDAAGJjY52m606VuH54QghxJzp06KDNA7hlyxZGjRrF8uXLAejXrx+vv/56ttfMmTOHypUrOyz76aefiIiIYOPGjbRt2zbP6fjqq68AGDVqFIMGDcp14t+6deuyaNEip/MG9u/fn5dfftlh2Ycffsi4ceNYvnw5kyZN4sMPP6Rhw4YMHjyYXbt28fPPPzudK8/erVu3iIuLo2LFimzcuJFWrVoBYDKZeOutt5gxYwYNGzYkPj6eF154gdq1axMaGkrlypVZs2YNzz77LD4+PgDcd9992mfcpUsX7XFhK9Ac3pAhQ2jbti2fffZZtnUGg4GRI0cycOBARo4cicFgKMikCCGKiejoaPr06cPw4cMJCwvjm2++cbrd0qVLCQsLY+TIkfTt25fo6GiH9fPmzeOdd97h1VdfpXfv3vzyyy8MHTqUHj16cPLkSbfS8uSTT2IymbRcXl789ttvjBgxgnPnzmE0GvP8+ryoUqUK9erV03J5rtx33320bduW559/npYtW9KwYcM8H7Nr165s2rQJo9HI1atXuffeewH466+/aNSokbbP8uXL079/f232+TJlytCtWzfWrFmT52MWtALN4X300Ufs2rWLmJiYbOsiIyOpU6cOn3zyCfPnzycyMtJhdmAhROEZu+AGe4/p82VfDzXxY9oblXLd5tq1ayxfvhxfX1/69etH9+7dqVChgrb+5s2b/PDDD6xbtw69Xp9t9m+bSpUqMXbsWL744gs2bNjAkiVL2Lp1K2vXrmXcuHFupbdKlSpawFu3bh27d+8G1Jzg0KFDAXj77bfx8fGhZcuWjBw5klOnTnHvvffi5+dH586d+e2333jqqafcOt7tevXVVxk5ciTt27d3WL569Wr+97//AeqM9YMHD9bSv3DhQpc5uZx07NiRCRMmUKVKFR577DHtIiImJoYqVao4bFu1alV27typPbcVdT777LMuj2MymYiIiNCenzp16rbS644CDXhZiwDs7du3T/sxderUiSVLlhROwEu/Akcmgzkt523M6ZD8DwQ3BE//3PfnbFvvAGg6Dvyr5V+6hbiL1KlTh4CAAADq1atHdHS0Q8CLjo6mXr16eHl5ERAQQJ06dZzup1GjRgCEhoY6PE5KSnI7LdeuXSM0NJQzZ864XaT5448/curUKYYMGYLRaKRcuXI89dRT+Pr6OuT2DAYDfn5+bqclN9WqVaN+/frZcnnOijStVisff/wx48ePZ+bMmXz++ed5Pp6vry+VKlVi8eLFzJs3Twt4oaGhWp2dzdWrV6lUKfMiJyAggGeeeYbVq1e7PI63t7dDEWdBxoEiq8NLTEwkKCgIgMDAwDz9QO/IP7Ph7CL3tk057v5+s27rFQj3T3f/9UIUIVc5svx27tw50tLS8PX15fTp01SvXt1hfbVq1Thz5gxmsxm9Xs/58+ed7ken0zl9rCiKW+nYunUr3t7ehIaGup12RVHYtWsX69ev1475wgsvkJSURKNGjfjzzz95+OGHsVgsHDx4kF69erm9b1deffVV3nrrLZfbLV++nDZt2jBo0CAOHz7Mli1bePLJJ/N8vPDwcLZt2+bw+bRq1YopU6Zw8uRJGjRoQEJCAqtXr2bBggUOrx00aBADBgzAZDLl+bgFpcgCXnBwMCkpKQCkpqYSHBxcOAduOBxMqWBOzXkbLdfWCDzL5L4/Z9t6B0DDt/MvzULcZapVq8b48eO5cOECffr0ccjdAVSsWJHu3bvz7LPPcu+991K5cmW8vb3z5c9z+/btREREYDAYqFq1KjNmzNDW2Rdp1qxZU2vcYm///v3UqVPHIcC2adOGn3/+mbCwMCZMmEBERAQmk4muXbtqudMbN244tDBdtGgRvr6+eUp71apVady4MX/++ae2zL5Is3bt2rz++uusX79eq0N77733eOGFF3jkkUcoW7Zsno7XsmXLbI1pfHx8mD17NlOnTsVgMGC1Whk5ciQ1atTAbDZr25UtW5bu3bszb968PB2zIOkUdy+FblNkZCQxMTHZigm+/fZbkpOTefXVV/n8888JDg52mZU9cOCAzJYgRAkXHR3NuHHj+Prrr3PdzmQy4e3tTWpqqtYoxdPTs3ASKUoUd2NDgebwxo0bx19//YXRaOTo0aMMGzaMnTt3MnToUMLCwnj//fcZOHAglStXZtq0aQWZFCFEMbV79+5sLblff/11Dh48yJ49e0hJSeHtt9/Oc7CbPn06R44c0Z57e3trXQGKqyVLlrB9+3aHZZ999hmBgYEFcryTJ08yZcoUh2UDBgygW7duBXK8olbgObz8JDk8IYQQWbkbG2SkFSGEEKWCBDwhhBClggQ8IYQQpYIEPCGEEKWCBDwhRIlxp7MlZN3Xgw8+qM2c8Oqrr3L27FnAcVaFiIgIRo4cCah92nr37q0tj4+PB9QRVR544AHWr1+v7X/evHn88MMP2vMffvhB65OWdYaA0aNHExERQceOHenWrRsRERHMnTs3W5pzmo0AYNeuXQ5pHj16NKAOTr1161YAYmNj6dWrFz/++CMRERH861//ok2bNtpr9Prsw8uNGjWKrl27as8vX75Mw4YNtfd248YN3nrrLQYNGkR4eLjDe37sscf4+OOPtecDBgzg+vXr2vFat25NeHg4ERER/Prrr9lmShg1ahR///13tjTdLpktQQhRajVp0kTrD/jXX38xfPhwLWjZz6pgb9y4cTzwwAMOy7Zt20avXr3YtGkTffv2zXM6pk9XR2WaNWsW9evX55lnnslxW2ezEdh06tQp29iZY8eOZfDgwbRt25aPPvqIESNG0KFDB3r27MnFixeZNGkSX375Za7pCwoK4ujRozRt2pSNGzc6dEYfOXIkL7/8Mu3bt+fWrVsMHTqUWrVq0bJlS3x8fNi7dy83b97UBhfw8PDQhhIbMGAAc+fO5Z577gEo8G4jEvCEEDBgI2y9mD/7eqIWfNcjx9XR0dEMGzaMWrVqcenSJXr16uUwz5zN0qVL2bhxI7Vr1+bChQvMmTMHgKSkJIYPH+7w2sjISH799Vc8PT05d+4cw4cPJzIyksuXLzNu3DjatWvnMtmtWrWifv36Dn333BUVFcUHH3zApEmTuH79ep6GKssr+9kIBg0a5HL7ChUqEBERwUsvvURoaCgdOnTI8zG7d+/Oxo0badq0Kbt379amQ7py5QpWq1Ub0LpMmTK89NJLfP/997Rs2RKdTsfgwYNZsmQJY8aMyfNx85sEPCFEobuT2RKcvRbA09OT+fPnExUVxcKFC1m3bh2nTp1i7ty5bgU8yJw5oUKFCtoQZKDmBN977z0ApkyZQmBgINWrV2fatGkkJiZiMBioUqUKPXv2JCoqihdffDG/PiqncpqNYNu2bdq4o82aNdOKNdu3b8+HH37IwoULb+t4zZo1Y8uWLRw5coQGDRpogwDkNHOC/XRLzzzzDEuXLiUuLs6tYw0bNgxvb28Azp4961ZQd5cEPCFErjmygnAnsyU4ey04zpxQv359PD09b2vmhI4dO2I2m90u0ty8eTMxMTEMGTIEi8XCrVu3ePHFF7PNnGA0GvM8dmZOcpqNwFmRJqhBeuzYsSxYsIBHH330toZoe/DBB5k4cSLjxo3Txu4MDQ3l2rVrDtvZZp+w8fDw4MUXX2TJkiVuHWfevHlaEeeoUaPynM7cSKMVIUShs82WYDabXc6WkJqa6jBbQk6vvdOZEw4fPsypU6do1qxZnt7Lpk2bWLlyJV9++SVff/01NWvW5MyZM9rMCTZ79uyhSZMmedp3bgYNGsTatWtdDqi9detWfH19iYiI4JFHHmHZsmW3dbzevXvTsGFDh/q76tWro9PptLnw9Ho9ixcvzjZDRLdu3fjzzz+1Rj5FRXJ4QohCdyezJbh6bV4cO3aMiIgIbU67Tz/9VGsIYl+k6e/vz6JF2acVs9Vh2aY6A3j00Uf58ccfGTFiBLt27WLgwIEoisL999/PI488Aqjz1dm3Np0yZUq2oO+Ks9kI7Is0AwICmDlzJnPmzGHp0qWAOr1QeHg4Xbt2zXW+Umdq1qyZbdxNgE8++YTJkyezcOFCzGYz/fv35/7773fYxsPDgyFDhjBixIg8HTO/yViaQohCJbMliPxWLGZLEEIIVwpqtgR7S5cuZdu2bQ7L5s2bR0hIyG3vs6Bt2LDBoV8fwMSJE3Oc/f1OxcfH8/bbjvN4PvHEE05b0JZUksMTQghRoslsCUIIIYQdCXhCCCFKBQl4QgghSgUJeEIIIUoFCXhCiEKV0ywFMkNBprtphoLiRLolCCEKnbNZCkaPHi0zFNi5W2YoKE4khyeEcM/BkbDKT73PR7ZZCo4ePZqn10VFRTF06FB8fHwcBisuCPYzFLjDfoYC4I5mKADcnqEAcJihQDiSgCeEcM+pBWA1wOnPXG+bR1WqVKFWrVracF4RERH85z//0dZPmTKFiIgIxo4dC+B0hoKCNmjQINasWeMwIDSoOU1bmm25RlBnKDh06BB9+vS5reM1a9aM48eP3/YMBXv37s3TDAW297Br167bSm9JIEWaQgj31H9DDXb1Xs/3XV+7do2yZcvKDAVZ3A0zFBQnksMTQrjn/k+g/y31Ph/ZZilo2rSp26+RGQpKzgwFxYnk8IQQhc7ZLAXx8fEyQ0EWd8MMBcWJjKUphBCiRJPZEoQQIo9khoK7m+TwhBBClGgyW4IQQghhRwKeEEKIUkECnhBCiFJBAp4QQohSQQKeEEKIUkECnhBCiFJBAp4QQohSQQKeEEKIUkECnhBCiFJBAp4QQohSQQKeEEKIUkECnhBCiFJBAp4QQohSocCnB4qMjGTNmjUAjB8/3mH24cuXL/Pee+/h4aHG3RkzZuR5gkQhhBDCHQWaw0tKSmL58uUsW7aMGTNmZJu599tvv6Vfv34sX76cPn36sHz58oJMjhBCiFKsQAPe4cOHad26NT4+PtSoUYO0tDSMRqO2/r777iM5ORmA5ORkKlSoUJDJEUIIUYoVaJFmYmIiwcHB2vOgoCASExOpVKkSAA8//DBDhgxh3bp1GI1G1q1bV5DJEUIIUYoVaA4vODhYy8EBpKSkEBISoj2fOXMmw4cPZ+PGjQwbNoxPP/20IJMjhBCiFCvQgNeiRQsOHDiAyWTi6tWr+Pv74+Pjo61XFIVy5coBUKFCBZKSkgoyOUIIIUqxAi3SDA4OZuDAgURERADwwQcfcOLECXbu3MnQoUN57bXXmDBhAl5eXphMJiZNmlSQyRFCCFGK6RRFUYo6Ee46cOAArVu3LupkCCGEKEbcjQ3S8VwIIUSpIAFPCCFEqSABTwghRKkgAU8IIUSpIAFPCCFEqSABTwghRKkgAU8IIUSpIAFPCCFEqSABTwghRKkgAU/CRaEHAAAgAElEQVQIIUSpIAFPCCFEqSABTwghRKngcraEjRs35rq+R48e+ZYYIYQQoqC4DHh///239njz5s107dpVe67T6STgCSGEKBFcBrzx48drjw8cOODwXAghhCgp8lSHp9PpCiodQgghRIGSRitCCCFKBZdFmn379kWn06EoCufPn6dfv34AKIqCTqdj3bp1BZ5IIYQQ4k65DHizZs0qjHQIIYQQBcplwJsxYwbz5s0rjLQIIYQQBcZlHV50dHRhpEMIIYQoUC5zeCkpKWzfvj3H9R06dMjXBAkhhBAFwa2AFxUVhaIo2dbpdDoJeEIIIUoElwGvatWqTJ8+vTDSIoQQQhQYl3V4znJ2QgghREnjMuB98sknhZEOIYQQokC5LNJ87rnntCHFbLk923OdTseuXbsKMHlCCCFE/nAZ8Hbu3Onw3GAwsH79epYtW0abNm0KLGFCCCFEfnIZ8Dw9PQG4desW3333HatWreKxxx5j2bJlVKlSpcATKIQQQuQHt7olLFu2jO+//55u3bqxatUqypcvXxhpE0IIIfKNy4DXoUMHgoODefbZZwkKCmLz5s0O65977rkCS5wQQgiRX1wGvIiICHQ6HQaDgdjYWId1Mj+eEEKIksJlwHvnnXcKIx1CCCFEgXIZ8AC2b9/OkiVLOHfuHAB169ZlyJAhMqyYEEKIEsNlwFu1ahVr165l5MiRNG7cGIBjx44xa9Ysrl69yoABAwo8kUIIIcSdchnwvvnmG1atWkVwcLC27JFHHqFp06b0799fAp4QQogSwa2xNO2DnY2zZUIIIURx5TLglS9fnv3792dbfuDAAcqVK1cgiRJCCCHym8sizfHjx/Pmm2/Srl07rQ7v+PHj7N69m/nz5xd4AoUQQoj84DKH16hRIzZu3EjTpk05d+4c586do2nTpmzcuJFGjRoVRhqFEEKIO+ZWtwR/f3/Cw8MLOi1CCCFEgXEZ8Nq2bet0RBVFUdDpdOzevTvX10dGRrJmzRpALR5t0qSJw/ovvviCXbt2YbFYeP3112nXrl1e0i+EEEK4xWXAa926NbGxsXTq1ImuXbtSvXp1t3eelJTE8uXLWb16NdevX2f06NF899132vrt27eTmprK119/fVuJF0IIIdzlMuAtWLCA1NRU/vvf//Kf//yHlJQUnnjiCXr06EGFChVyfe3hw4dp3bo1Pj4+1KhRg7S0NIxGIz4+PgD8/PPPBAUF8fzzz1OpUiUmTJhAYGBg/rwzIYQQwo7LRisAAQEB9OrVizlz5hAWFsbChQuzzZrgTGJiokN/vaCgIBITE7XnN27cwMPDg2+++YYWLVqwaNGi23gLQgghhGsuc3hms5k//viDTZs2cf78edq3b8+KFSuoV6+ey50HBweTnJysPU9JSSEkJMRhffv27QFo3749U6ZMuZ33IIQQQrjkMuC1a9eOqlWr0rVrV7p164ZOp+Pq1atcvXoVINcBpFu0aMHs2bMxmUzExsbi7++vFWcCtGnThqNHj/Lwww9z9OhRatWqlQ9vSQghhMjOrQlgdTodZ8+e5ezZsw7rdDpdrgEvODiYgQMHEhERAcAHH3zAiRMn2LlzJ0OHDiUsLIxx48YRERGBt7c3H3/88R2+HSGEEMI5naIoSn7saOvWrTzxxBP5sascHThwgNatWxfoMYQQQpQs7sYGtxqtuGPBggX5tSshhBAi3+VbwMunjKIQQghRIPIt4DkbjUUIIYQoLiSHJ4QQolRwGfB27tzp1o5atGhxx4kRQgghCorLgDdz5ky3djRx4sQ7TowQQghRUPKtSFMIIYQozlx2PD9//jz9+vXLttw2PdC6desKJGFCCCFEfnIZ8KpVq8ann35aGGkRQgghCozLgOft7U3NmjULIy1CCCFEgXFZh/fAAw8URjqEEEKIAuUy4BmNRocpfmxOnjypDQpd2lms0gdRCCHyxARcLNxDugx4derUISwsjLVr1wKQmprKlClTGDVqFC+//HKBJ7C4++PvdLq8eZmD/+iLOilCCFFyTAdqA5cL75AuA94LL7zAypUr2b17N2FhYYSFhVG5cmUiIyO1yVtLs2WbkgCI/D2liFMihBAlyD5AAfwK75Bu9cNLSEjg6tWrVKxYEavViqenJ56engWdthLBVpopQ4kKIUQenAJCgIqFd0iXAW/y5Mm8++67vP3223zxxResX7+eCxcu0KdPH/bv318YaSzWbEOIekjAE0II91iAM0B9oBD/O112S7AVX3p7ewPqLOYTJ07kyJEjTJ48mTVr1hR4IoszyeEJIUQeXURttFK/cA/rMuC99NJLTpc3a9as1Ac7ACUj4nlIxBNCCPecyrgv5IDnskjzlVde0R5PnjzZYd2AAQPyP0UljJbDk1FJhRDCPcU14F2/fl17fPDgQYd1t27dyv8UlTC2gOcpGTwhhHDP3xn3TQv3sC4DXm4zmcss55lFmvJRCCGEm/YD/kDDwj2syzq8lJQUtm/fjqIopKamsn37dgDteWlny+F5SDNNIYRwLR04BrQDCrl3m8uA16pVK3766ScAWrZsqT22PS/tFGmlKYQQ7jsEWIEiGKbZZcCbMWNGYaSjxLJY1XvJ4AkhhBt2ZNw/WPiHdhnwVq5cmeM6nU7HwIED8zVBJY1VkTo8IYRw2/eoRZlPF/6hXQa82NjYbMvMZjNRUVHExsaW+oCnaDk8iXhCCJGrc8BeoBNQofAP7zLgDR8+XHtsMBhYvXo1K1as4LHHHsuxU3ppYmu0IlMECSFELq4Aj2U8LqJ8ksuAB+qUQCtXrmTt2rV06dKFFStWUKlSpYJOW4lga7RithRtOoQQolibhBr0xgMvFk0SXAa82bNn89NPP9GzZ0/Wr19PcHBwYaSrxLDV4ZktksMTQginYoCvgAbABAp1wGh7LgPe559/jr+/P99++y3fffedtlxRFHQ6Hbt37y7QBBZ3mTk8CXhCCOHUTsAMPI+b5YoFw+Whjx075taObAGwtMmswyvadAghRLG1L+P+oSJNheuhxWyTveZ0swkLCyvQhBZX1oxAZ5EcnhBCOPcnajFm66JNRr5lLhWldP7hK1odXhEnRAghipv/AT+hdkVoCBRxE5B8C3ilsTgTMnN4UocnhBB2NgM9UGc3B+hdhGnJUITVhyWfoiha3Z1FcnhCCAEKMBcYBXgDa4BHgNCiTJRKijTvgMmc+VhyeEKIUu0kMBi1+NIKVEINdh2KMlGOXDZa6d+/v1s7+uqrr+44MSWNyZwZ5KSVphCiVJsA7AbuA54F/qJYBTtwI4dnMBjc2lH58uXvODEljX3AkxyeEKLUSgeigHrAPxRZx3JXXAa8hISEXGdMeO655/I1QSWJQw5PAp4QorSJA5YDm4A0oB/FNtiBGwHPYrEQFxfntI6utLbMtDE65PCKMCFCCFHYLgMtgISM53VR6/CKMZcB75577uHtt98ujLSUONJoRQhRan2NGuzeybjVKNLUuMVlo5U7bX0ZGRlJeHg44eHhOQ5TNnfuXLp06XJHxykKJsnhCSFKIwW1KNMP+D9KRLADNwLe8uXLc1zXo0ePXF+blJTE8uXLWbZsGTNmzGDKlCnZtomLi+PChQuuU1oM2Qc8q8yHJ4QoLZYCp4G+QFARpyUPXAa8wMDAHNclJyfn+trDhw/TunVrfHx8qFGjBmlpaRiNRodtPvvsM15++WU3k1u8mEySwxNClCLpwHPAS6iBblrRJievXAa83LhqtJKYmOgwf15QUBCJiYna8wsXLpCenk7Dhg3vJBlFxijdEoQQpYWtX923QDMgkhJTlGnjstHKsmXLnC5XFIX09PRcXxscHOyQC0xJSSEkJER7Pm/evBLdIEYCnhDirpaIOlpKJPBLxrIXgEWATxGl6Q64DHi5FVv++9//zvW1LVq0YPbs2ZhMJmJjY/H398fHJ/NTio6OZuLEiQDExsYyZcoUxo0b527ai1z6Lft+eEWYECGEyG8W1MGf/8h43hEYAzxVZCm6Yy4D3ptvvnnbOw8ODmbgwIFEREQA8MEHH3DixAl27tzJ0KFDWb16tbZtly5dinWw234wHb3RylNtA7RlN5Myo5xVURuueHiU7r6JQogS7iJqYDsKHAMeBGYBD1OsO5W7w2XAGzt2rMNznU5HuXLlaNOmDR06uB4orV+/fvTr189hWaNGjbJt9+uvv7rcV1FaujGRlHTHgBeXqHbECw7wICnVisUKHndUKyqEEEXoKvA06vBgAH2AxUCFIktRvnIZ8Dp37pxtWVJSEt988w1Hjx7ljTfeKJCEFTd6k4LB5FhPF5eRwwst70VSqhGzRcHbq4RfAgkhShcFdRzMX4DVQCwwApgOeBZhugqAy4D3xBNPOF3es2dP+vXrV2oCnsmkOPS7A4hLtODpARWC1V+F1OMJIUqML4BvgFTgcMayIGAmasC7C6/db3s+PG9v7/xMR7FnNCuYzGrrVFt3jJtJFioEe+Kd8SlKS00hRLGnACuBV1CDmjfwODAJtb7Or8hSVuBcBrzU1NRsy5KSktiwYQN169YtkEQVR7ZxM01m8PFWG6jcTLJQr4YPnp5qAJSAJ4QotlKAZcB81Dq6MsAuoGVRJqpwuQx4PXv2RKfTaWNq6nQ6QkJCePDBB7UuBXc7RVEwZtTfmcwKPt46ktOsmC1QMcQTr4yGKjLaihCi2DkPfIw6HJgRNdCFAVOA7O0H72ouA962bdtyXKfX6/M1McWVfSAzmhXKotbfgVp/ZzCqwdAi42kKIYqDOOAg6tBf21GLMeuiDgv2BlCp6JJWlPJch2cymdi+fTubNm1iz5497Nq1qyDSVazYN1axjZ+ZnG4FIDjAk/iM1prSaEUIUaQUYAvwLGAbM6Q9an1df+6g1cbdwa23b7FY2LlzJ1FRUezevZvU1FSmT5/O1KlTCzp9xYLRrjuCLfjZcnV+Pjo8M5ruSh2eEKLIKKiBbh3qP/sQIBxw3tC+VHLZTXrChAl07tyZ9evX06lTJ7Zs2UJISAhPPPEEfn53cXMeO/Y5PKMW8NQcnq+PDi+t0Urhp00IUcoZgR+AXqjB7iHgf8ASJNhl4TKHt2/fPsqXL0+bNm1o3bo1fn5+LmdJuNvYDxJta62pz8jh+fro8My4bLBIDk8IUVjSUBuefAXcyFhWE/geqFJUiSreXAa8zZs3888//xAVFcXAgQOpXLkyaWlpxMfHU758+cJIY5FzWqSZsczP2z6HJwFPCFFI3kDtOF4eGI5aR9cK8C3KRBVvbtXhNWzYkIYNGzJy5EgOHTpEVFQUYWFhVKtWjZUrVxZ0GoucLVenPnasw/O1q8OzWAs7ZUKIUmc/8CpwALgfdTaDMkWaohIjz212WrRoQYsWLRg7diz79u0riDQVOw6tNLM1WvHAJ2P8TKNJcnhCiHykB64Bf6POXPAn6riXCuogz/OQYJcHLhut9O/fX3s8Y8YM7bFOp6NNmzYFk6pixj6Q2erzbHV4Pt46ggLULF5iqmTxhBC3QQF+R51NfCYwEHW4rxCgDmpH8fHARqA56kDPm4H7Cj+pJZnLHJ7BYNAel4Y+d87Y5/BOXzLSqJZvZh2ej45yQep1Q0KyNNMUQrigB7aizjd3FbXxyRlgR5btdEALoBlQC3U+ukYZj0tXu8F84zLglbYWmc7YB7xlm5I5dcmozZDg66OjfKD6OCFFAp4QIoubqLm3GNSgtgl1hoKsOgP/AsoBDwD3AIGFk8TSwmXAO3fuHH369EFRFM6fP0+fPn2AzFkDvv/++wJPZFHLWjd3M8lCQBk1V+fno8Mro9VKYoqVhBQL8UkW6lb3KfR0CiGK2BHUnFs86vBeB4CfAZPdNnWB14AOQFXUoOYLVEdybgXMZcDbtGlTYaSjWMs6D166XnHohxforf5KE1Is9H//CmYL/DynBj7e8usV4q5gIbP40YTa2VuPGtRigQTU3NtPTl7bHLXLQC3UbgONkMBWRFwGPC8vL0JDQ52uO336dL4nqDgymh2fpxusWh2er7cOXx8PyvjqSEi2aKOt2GZVEEKUAApq8IoBrqN25L6ecTuAOo1Ouhv7eQiIACqi9o+rB9yb/8kVt8dlwHv11Ve1Yst+/fqxbt06bd3o0aPv6iLNn/5IZdWvyXRtV9Zh+S29onVLsAW1kEBPElIyW2lmzRUKIYoRC2pwOwOsByKBK7ls3wQ1pxaIOmGqN+pEqRVR69rKoRZVNi64JIs75zLg2ebBAzCbzTmuu5sYTWru7K9Teq7Gmjl31eSwXm9USNdb8fPRaY16ygV6cPKiUdvGJKOuCFG4FNRixltAEnAKdcaAi8AlIBo1qF1BDXb2bcwqAD1R69EqAaF2t3qoQU2UeHlqpZm1xebd2ILz71N6Rsy+wYShFUnO6Fdnm/vOXkKKFV+fzPdfLsjTYaQVkznbS4QQ+e0WaiOR/wN+y3ieGx/UhiJtgWqoAa4z0AU11ybuai4DXkxMDNOmTUNRFO0xqLm769evF3gCC1vUTrW98Lw18VrXA+cBz0LFEE/teblAT4f1ZinSFCJ/pKLmyuKA3aj1a7bGIjvInPetKWoA8wPKAvVRO27XzLhVRy2CdDnchrhbuQx4o0eP1h43auQ4H3zW53eD8kEZfeqSrXhnDAp9Myl7wLNa1QYrNuUCHc8iqcMTwg1WIAW1CDIGOAn8k3E7h1ocmZDL66sCvVFzaRFI60eRK5cBz9bv7m7xy55UNu1MY8LQiloOztanECAlPbNc8kaCGuhyGiMza5GmPQl4QqDWq8Wizs92FjWIXSOzReQF1KDnjD9qU/42qLmzQKAdam7N1lgkCAlywm1uDR69du1aVq5cyYULFwCoU6cOgwYNIiwsrCDTViDMFjhy1sDEJXHMGVGJWwaFV/8Tw6Mt/Xm5d0iehgfz88nM1YUESsATpVQKahC7ilrceBbYAlxGbShicPIaT9Sg1Ra1wUhQxvOGdrdQJJiJfOUy4K1du5bvvvuOsWPH0qRJExRF4fjx40yfPh1FUejbt29hpDPfdHu4LL/tT+PgSQNxSRa27Ekj+oaZVVuSebl3CPF5CHi5FmnKKGOiJFNQO1enoebGbqDm1G5k3A4AJ1CDnLNhsnSoAas5au6sGfAgmfVpQUhdmih0LgPeqlWr+Oyzz6hcubK27KGHHmL+/Pm8+eabJS7g6XQ6Gt3ry8GTBi7HmIn8LUVbZzQpDn3pXMmtSFMarYhiJw11XMc/UDtU38y4xaAGNQNqTi0etbWjq59wRdS+Z1VQ69Kqoga5EOAZ1L5pQhQjLgOeXq93CHY2VapUQa/XF0iiClqNUPVt/+9QukOAu3zdRGKKhTpVvbP1vXPGIeBJkaYoDNeA06jFiKkZt5Qs92mowSsBNQeWlLE8Ppf96lCb7FdCHfqqjN2tYsZy+5uMICJKIJcBz9c35/nifXxK5gDJ1UPVDjebd6UBaAHu6FkDZgtUucfLrYDnZ1ekGVBGh7dXZv87KdIUuVJQg1Kq3e0qaqvEy6hN7W3By3afjDoRaF5+W0GoQ1yFos6OHYLa8KM2at1ZBdQAVhGpLxN3PZcB78SJE04nelUUhfR0dwaXK36qV1Lftq31ZY/2AcxZncCBf9Qca/ksubWc3FMuczudTkdIgCexGX32TDL7+d3NgpqjSnZys+Ww7G/XUaeISSQzwOX1osgPdX60p1EDWSAQkHFv/9g/Y9sg1P5oQgjAzYB3twkqmxmoygd58HhrfxasS+CPQ+owDeWCPPD305Guzwxa5QI9stXvPdSkjMPzkEAPLeCZZWix4smKGoD0Tm4G1OK/o6jDUu1HDVDpgDnjZkEdLf92SvMDUHNaFVEDUYDdrSxQGbUZfk3UnFiA3Xb+uNmmWgiRk1J7Cj3WqgxHzhp4f3BFggM8ef6ZYL78MQlfbx2dHyxLpwfK8uP/UqlRyYvfD6bzdnh5Xpx8zWEfDWo5FumqDVfUolBjPtXhKYpCSrrVIUiXGlacBybbLQG1wYU142YbjcM2nqL9fSxqc3lnTeRz4oda5GcbMNjL7lYWNQdluwXaPfZHnd/M/hYAtEatJxM5+vPYLW4ZFDrc718kx4++YeLwaQPdHgnIdTuLVSExxar15c3q8nUTFUM8KeN79zRFPRttJF1vpdl9fm6/5tg5A54e0PDezKoxi1XB06Noys9LbcCbMKQiigKeGaOphHcJokKwJ83r+VG1ovqxvPkvtZlZrw7qtMNfjquMh07Hu/Nu0K5ZGTyyfGlN6vjy5zH10j+/Wml+E5XEsk3JzBlRKU8/tGIjFTUImVGvBdLJbERxEvgLtXl7GtkDmutqVPcFojaND0ANZM5uPhn3tqb0rSlWZ8jVODNWq0L1Smod9M7D6TSp7ZutD2hJcuqSke+2JDPqufL4+uiY+vVNLBbnAS85zcKve9Po3SFQO2/zg9micPSsgWZ1ffn3/6kXtfc39KNyhZy//C++T2Ttf1NYMDqURnZ/5l//lIhVgRWbk2nd0I8Zb1XKcR+frUvAz1fH4O7B2sAXRpPCH4fS6XC/f5EFBWe27U9jylc38fXW8dOn1bXP32RW8PLMeVzlcZ/HkpRq5f0XKvBEm7Ic+EfPu3NvMPW1e2jbrIzT1xSkYnQ6F66swcrTU8fT7XK/qqtdVb08X/1RVafrBz0dRL3qPry/MDbfBo9e8bM6UOCfx/QFH/AskHDZgi4ZQqyeamCy3Wx1U2moQct2n44anGwBLaPOypysYLms4JvmxhWuPxBMZo4qIwDFpJvxKAOVqng5D1CBcM3PRHyahSZ1/aAiGEMVPMuCp79ObWHoh5rDugsutAdNuArAts9qcvSsgfGfx/HkQ2V57/kK2bY9dEpPqt7KI83dzynN+jaeckEevNA9JN/S7Mp782+QmGqlbjVvGtf2JTlNrTYwmRW8vRzP0Slf3WT/CT0mM4Q/GZTrfi/FmJi9Kp4x/66Ar7cu14uCb39J5uufknioSeb5tfa/yZQt48GLPZx/Fmv/q3Zn2nPkFiEBnlSp6IXVqrBsU7K2zYF/9Lz9yXVe6xvikMMBsFoVIn9PwWoFL08d/+4WDMAnK2/y65/pJKZYCeuoXmh/+3MSe4/pebpdWbo+nPkfdfiMnuGf3mDuyFCa1s25cWFemC0KX21MotvDZfHy1HH9ppnm9Xz5ebfawM9gUrgSZ+bwaQOB/h5MXBJHeJdAXu7j2Adl085Uzl4xkpQxAP+a/ybzRJuyfLryJgAbdqRIwCspcrqa0el0eGe03Lyd6YEOn9FTIciTapUyh223ZlQbeuZ2EZ8OHEFtdm5r0ZdOZl2VAbVILxo1cN3KuKXbPc64lSMfcgu+YPJUuO5rhrpwbwsf8AG91YrZBwKqeKhBrg7QEpR7FfQmhTJ+jlFp4OuZf/D2LBaFS9dN1K7qw3Ovq1fkP79XA4Cn375MmyZ+/OeNnK+ss9p+MJ2mdX2zFU8t25TEwX/0fDq8UrYLpNvx+4E0Jn15k68nVKFm5exD81+4ZqJSOU/87T6Hi9dM/HVKT8/2mX90V2JN/Lxb7e29+8gtzBYFryw5nvnrErh+08yPn7gf8Db+oe6zMANeml79gafrrez4K7MRXEq6VRvX1ubsFXX6rejYzKz/mctGrArUr+lYVrz7yC3+PmXgjekxxCdbWfJBZepUc16efOi0Wiqz91hmxez3v6ufxaCngx0mcj51yUidapnf3fLNySzfnMzaadXw98v+Gzly1sD4RXGsnVbNYXnqLat2bn/9UxI1K3vz+P3+/C+jHUH0DfU9GoxWlm9OxmBSiE00OwS8L39MyrhPZNY7zifpzsk3UUls2ZPK0glVHd7fodMGVm1J5tApPScuqJ/3vFGhDsMrHj9n4NNvM/u4rPo1JVvAm7nSsQ/MjXgLiqJw7abaxqFxbV8URSE5zUpwQOGVUEjAy2denuBtBt8rOrXhg31LPWPOj616hf3r9FQv50W1lt7a8uHby+Fj0dHwuA98QWZ/K1uuK4m8N6DwQQ04tn5WIRnPy8IfF9NJ9bHy9FMBaq4riMx7WyMK/8ztbS0CzTqFT9fG81T7srSo78espfFs3ZeOpwf8Ol8NWG9Nu86Zyyb+1TSQ1/pmniDf/5bK/LUJzHqnEi3quc7FzlmdwE9/pDJreGZQu2Wwos+YlPfPY+5/IJeum5i4JI6wxwN489nyDuu+/kn9Q0lKs2brZ3k7Zn2njoK8flsK7wx0PNaVGyZenHyNhvf68NnozH6vE5fEceGaySGgRXyYWZeckm7l6FkDLes7fm7JqVZSbylYrUquwdpiVTAaFe1CrbD5eOkwmRUMGUV5NilpVsoFejhcXNqK+Cx2rVtfnhYDZL8oSr2lRpP4ZPX+lz1pvNbXecDzzeW9xydbtKLNfcdvMWZ+LF3aZL+IOBttpF5N5/u3H5/XJjEj59O4tg/Hzxv5/UAaj9/vj96g/oaDyqoXPX+fNmDICDa23K+Nj1dmMWhefROl/rZjbpodLr5iE9SiKfu5PW8mWRzaJBw757wi/MA/ehZvSGTaG9knD0xOs/LPhcx96lBzyV98n8h3U6pyT7nCCUUS8PKTAtVmerHxyxr4LM7bH4gHOl4k48o6KnN5T9RiDU7abeyHGoSCgRoZ901RW/mVRQtE5+ONJJqtNGnow+tLrhMXYGHD4urklomb8HocAF0+LZunepJdf93i5wNp/HwgjW2f1STAXz1hLVa4Hm8mtLwXFzL6Nh467XjCLNuknny/H0jXAl5urVx/ysiJHDufuZ9bBoVbBvdGydmyJxWDSaFH+0ASMmbCiHMyI4ZNfJLF7YCXlvFHW7ZM9jLU8sGepKRbnR7r8g31j8b+TwEy/7i/25Kc7TVV7/HiaqyZw2cyA95Pf6Ty24E07c/x6DkDlcp55VgfNXd1Ahv/l8o3H1bRllksSr7WkeXGy0sHKBw6bdCCE6iBZvBUq2UAACAASURBVNznsVS7x4sxz1egXKAnXp6Z6bO/B8cB4CHze7A5ccHI2WgjRpNCo9qOxX8+uQS8xT8k0r5FGR5vXZYL19Tf769/Zu+OlTVw2HMWkJJSMnM6x88buWVw3OaWQW2s9uMO9bfuoYN0veJQ1GtLd24N5KxWhW+ikuj4QFnurZI9fYYsabNNhWa1W2wwKg7v4eg5x98oqEH93bk3gMwLxaxWb838DZstConxFqyKGgzvKaRReSTg5ZczwHiouMqLmEAzMU3MNKjvQ5kgDzVH5UvmvZPHqVYLH628SYV7PBk1pIK2/IWPr2LyVGj3gD8163rRs2ug29/akNfVq991L1Tj3Ab1ZE1Id+/POzk9e67mlsHK6ctGmjupS7TlrmwMds//PqXnqbYBak7DomCxOm5rO2Ht62zsX++syA4cr3j1RsXplbQz/1mmFrc880iA9hrbZL/OxCVZqFvdrV3TY2Q0kD3HAVAhyIOL19QAmlXWz8SmVmVv4hItXItzrBQO6xhIx9b+DJt53eF92xc1AQz/9EaujSc2/k/9Q/1hR+aAmCnp1kJrCGP7Xs9dUX+fLev78vcpAyfOG7gSa+ZKrJmvfkxk5HMVtG1tEy3bXzjoDQpl7IoUU7MEvJMXDbw0VT0foj6t7lB8bj8IfFa/7U/n2DkDj7cuS0guRW+XYkw0d6N0wsaWw7unnCeeHmqAtv8ek9OsLFyfwO4jt6hU3pN61X3YefgWKWlWymcUvdsCXm59fg+e1GvFrs5+k1nPGWdzfxpMaqAtF+SB0aRw8Vr21mSfZNTNgXqBay84wIOkVCs7/sqcnddsAXPGZs7O7YJyF1TlFzEjMANoCawCYwOFYX2uM6LVDd5ucB3mAZ8AU1FnZR4LjADeBF4C/g2EQ+pTCntr6fmrpgHao06J0hIulTNzLchC5KkUZm9O4NTVzKsrq1Vh3pp4/jqZvQjP/urXfgaIM5ezX53ZKErma5wFgMlfxjH80xtaB32H42X5w9bbnYSHTxuwWjOvEs1ZzinbCWt/pW0f8NL1VrvlmY/t38stg9XtgGcTm2ghJeOPMckueK7Zmkyn1y9pz50FqKtxZt7+9DpX7QKRxUW9ra2J+k0nA5Sbc2jkZP/e7TW/z5eQjAHLbbmZnI5vK6ZyxlZvaT+mbFIuwf9OfLUxkd/2pzks88ly8fZIc7Uhw7Hzmd/tkTNqTt6W67Tl5G/Y/bEmZSnuS7vl+FnYNyLbc9RxWvTcijTV41hIu2XNdWjRizFmh9+mK7bPOCTAk7JlPEjXK1y+nhlIktOsJGbkAueOCNXqM5PSMn87nhn/3rnl8Jy1N7DanaupWQOek9+63mjFaFLw8dIRmkPRo30wuxTjGBAb2BX13pMxabbFqmjtHLwKMdslAe9OXEAd9WI0ao5tBcT+buZmWfVHEx2be1NN+wBjyyG5OmmSUjN/kCcuGPn+91RGzrmRbbsrdn/E9jNAnL6Uc8Cz/1NITsv+w99zVA10F65m34fekHMO78hZg8NJmfWP2XbF7pDDswuY9n9eF2MyE3n6cuaJpTco2U5eZ+yLSi9fN2mvsf9cP49MdHiNsz+Bj76K48gZA5+tS8BiUY8dE5/79237juOTLA5/OpC9CM4ma1GXTY1QL8r6OQa8S9ed9+PImtux5+nkH8DZd3+n9EYrKzYnM/mrmw7fgf137uuto1J59d/vhF1x9aXrZlLSrdrvZt9xPcs3J3E9PjOdWeu3cnvPvx1wLJL08XGdwzh/1ZRrXdmBf/TZcte5sQWzkMCMQS4MVmJuZv5+UtKt2jlQPthTq9Ozf5+230Zu6dIb7Le3ZtuHWzk8o4LRrODjrSM40HXIiLnpuA/7us0+GS1PzZbMc9H7bsrhRUZGEh4eTnh4OMeOHXNYt3jxYv71r38RHh7O5MmTHQJAsfUV6gzLtTNuv2U8Pws8B952J48+h3ols0Xh02/jGTDuqnZi2n6YWcvUs7L/A8xt2wt2Y4Haz9h+4mJuAS9zf0mpVn7ckeK0+MJZEUTWYGMLePc38CX6hlmbTBdyzoms35ZM2OhoUm9Z0dsFflsux2JV+O++zByC/cmaNYeX0+Dd9um8FGO2C3jWHH9/sQmWbOtsuTR/Px2zV8XTc1Q0B+1yvs7eo+19WBUcPg/I+Q86PYd6yaoVvbR6QlvAs78AcNx3zr8TZ8fNGjzyQ7pdGvYey8wNeNkFvJBAD+2P3VbkZ+uP988Fg9ai02KFpRuT+NNuP1mDdE4XEABnotVzwGpVWPvfZK0+LTfnrxpdNg7J6fN3xvb+QgLVVrnpt6wO53NKmgWDUcHTQz3fggI8MpZnPy8MxpzTZT9a1Nc/JZGQYiHB7v1mDXixidkv2vQZdXg+3jqnxbrOGqnYa3hvZsBr01gt9rVYlbuvSDMpKYnl/9/eeQZIUaV7/1/VOU+eIQyI5DjIyGJESboKIyq4IAZQDKi4qOgrDKCrIFxFffGC62VXV1ddDCRBBXVFh0sQJSisShCUJEMaJvWkTnU/VJ+qU9VVPdPDdM9An98XmA5Vp6pPnSc/55138Pbbb2P+/PmYM2eO4v1hw4Zh6dKleP/993H69Gls2bIlnsM5ew4DmAhgFcTU/2sAvANgOaStUIyq2iEt99Dq//Xik41enCwNSoKpTrLwoj9UZDE6VOyP6p6kBRVt4f2wr1ZX4NBW2CcbvVjwfilmLT4V9XMEtUup1hcCzwM54SL+U9QCr3ZpErw1Asq8Ify4v05xH7w1IZwuC+C2Wcek+ic1NSoLT88VWEF9ZtHSUsmVFwwBVbXa9+WTjV7MeE15H8orZZfUp5tEIUz+BSJjmgBQTSkrH2/womi7/Hk9gVdTK8Ck4fKxmHmYjBzMJk6ygA8c1Z4PPr+4YPkDAt5eUy5ZF8GgoFgQpWuLg0uzivo9Pt0oxwtpCzPFJVsy5L1B+WGBd8gXoVTRHpRoFl5WqnKRJte8ZnMVXltehi+3yhafXgLLr1EsvIu6WtA5VzthhRAMCljxdSXGFP6Ovy4rldyxKU4eDqvo0vRRc6aiShSAZEcWLQuP3NOqWgHz3jqNCc8cw+8nlUKXVpiWrqvEuJnHUERZuFXUPQ0Exe4xakjSitnIweOMFBkeR3QxkpttwvOTM7Fkdms5DhvE+efS3LVrF/Lz82E2m5Gbm4uqqir4fPJDecEFF0j/N5vNMEQtNmsBfBD+dxHEZsCfA7gdirtoVgm80sog3l1bjr2HZBfNMaqO6GRpAPuP+PBDOHMxENTOQqOPFwoJmPLyCYXrTe0io3d7oGNQVTUC9uq4Neng93c/i9ZKmYb2qxUrq1Rp2HU+AVYzJ7nd6DEEQgK2/lyjGRsDgKAgKLTd6loBvx3z42RpEB4nj78XRm5XVetTCjw94aVeNOnP0W5NNcSdSyDjo7Mx91H3VUvg1VCL/ntfVODZN0okFzY9rn2HfRhT+Dv2HKxDdW0IF7aWNeTbrnVjxl1yobnDxkkLXzRB5a0OYflXlXjrk3JJeOsJ2bhYeNS1b/mxVsp4pEsMUl08XHb5frbONErt+/Ye8kU0c6C9GOXeEMq9Qdw3rxj3zSvGScrdqS4XqKoRrXktBYHEmGgMvFh7phcrc9l5yRWrR3lVCCuKKnGqLIhlX1VKfXs9TgNsVk7MVlQlrdT5aIFnkF4n0MrKv7+rxuETAcxcfFqxFtTUymUOfxrqQiAo4J21crbkL0d9OHzCD39AwMnSILScHLU+Af6AqAxo1cxZLTxsFuW6157KCPU4ePTvYUNOulGqJw4EBWl9O29cmmVlZfB4PNLfbrcbZWVlEZ/77rvvcOrUKfTv3z+ewzk7BAD/gpghORa6W6motZX/7K/DPz4uxwPPn5BeozX9k2eCuG/ecakuBpAX02qN+E1pRRCllaGIRYm2sARBwK798gJdEk73zu8muhO0kk4AbTdgh3CxLv0QaSW00OMJhQTUhh9WIhBoK7O0IoQnF53CvfOKIwQ1IC6CtIW391CdFEe74zqP4mEiqF2atz91DEU7qrGyqFIRF42W2FLhDUVNPNHKpAwEBM2kh1qNWGx1bQit0pULBnFt0cLnf1aU4lRZEAveL0UwBKnEAwDGj/BgSH95CwSHlac0/SgCryYkufl2H/Rh2VcVEVY5IR4xPLI4d2or/nbEsqYVmxSXQSHwene0ICvVAJuF06z9qlVZRGs3V2H/ET/2q1yLrdKNkoWU7jEgGBKt3lMa8Spa4F2eZ8NLU7JwUVcrfjnil5JKHDZO8TvaLDyclOIzfXw6clS/83/21+HYqQAu6WXFlX3lDiNmk6wUEuXSwIseh9LKoDS3ZAtPHnO1SmH5Qw8rDhX7Fe5yYuE9c28GJt2citv+qOxQ891PtZjwTDGu/fMRqZOPGvLMiC7NSJFhs3ARZTikPSOgnL9yLaUgKTCJKoEB4izwPB4PKipkbaKyshIpKcouDnv27MFLL72El19+WbeDSYvgUwA7IcbrIjs5Sai1FXWKLqCMw53UyKAjD7JWHKKsMqR5zBLq4T18PIBSuqYpLCz6dBLrj47pJNNoabBEM9cLdH/2jRebd1Wr4mmCaOGZOKn7xBmNzMTSipCmJValime8vaYC898REwJsFg5GAxchZGrrIssSnn39NBZ+WIrn3z6Dcm8QO/fVSjGQR29NxcXdlWnkopWgPEaPDrJ1QO4B7dryBQS4NFw66iQeQRBQUyeEG4wrzwkoLTzSgYNYnDYLh+nj03HXCE9EvMNh5SWXZrS4lbcmpFh4/rqsDO+Ha/scqg4h0Sy8mtqQIgYEABt+qNbMBC2tDGLJZ+V4fVWZJLAG93cgK82AdVurUFMbihB4FqpE4LrLnOA4Du1bmep1s5Z7g1iz2av5nsvBo1W4DrFDa1HgVtUKimeGkEEJvEt72XBRVyuuyBMF1NfbRFfgS1Oy8a/ZcucUh5VTdFmxW7mItmifbxHHNvhiB6ZPSEfHtiZp/pHvEuWHjKGqRtAQeJEuTQC4ZYhLsmTHzTqGyfPFEgyiaJAyjNGDo7dk04J4b8xGDh6NchWbhcMz92WgfY4s5LLS5M/RPUFJLWUgJCetGBPo2Iur9zQvLw8LFiyA3+/HqVOnYLfbFZvGHjp0CIWFhVi4cCHS0tKiHKmZ8QF4EqJV90z0j6q1ld8p4XK6LICMFKPCtXX0ZORCQRZUrThUaWVQkc0lHbs8iE5idy18v0+04PK7WbF9T62UYEEmoXpBEwQB3++r08zgJFokLbDI9w8c9eGFsCAiewyScdf5BThsBkl7LdUQeICOe7Q6FLFgEKxhFw/RjdwOHhVVITGGp5OcUbSjGrsP1uHEmSBuvEpszeRyGCKKscurghGL+SNj0/DxRi8+3uBFWaVYw0hnbfr8guL3tFk4UeCr4j3+gKi12608/jwmFf/9gdh1hZyPzkQlCwGxwOxWHsMGaG9s57BxUnwuqsCrjkyrJxl5rTKNCquoLIpweWj+CRws9uPz/86Fychh/xEfnv7baaS6eSz/L2Wx4qIPSyMyIl12HsMvc+LNT8pR9H21Qnkg1kPHtiaUlAUlZaN9jkkqyO/bRSzU9kkuZTGG+dF6UaBce4kDn29Rlj647TwmFHhw+Lhfim1X1Wg3AHA5eFhMXHj+iuP5Q08bgFKpGFutbNmsPGhd3WKOFHgkoaVjWxOsZh7/My0HRA7YVRZeuscgZaASBYAIvHJK6fIHxB1bbrrahSEX2/HFt/J1/xwu6yDJcESoOu08Bl9sx1fb6t/L1GrhUFsnSK5WPQvPaubR/QIL3nyqtVTOk5VqxFtPtYqIe8oxPAGBoJiU0xRt+xpK3C28cePG4Y477sBjjz2GwsJC7N69G6+//joAYO7cuaisrMS0adNwxx13oKioKJ7DaRy7AdwG4GcA9wPoEdvXaWuKxM6q6wRwnPjg7NMQMsTC00ooKNMTeJS2StoC/SHcDJdYeBkpRvB8pMvq3c8q8PgrJ7F4pdLd3C7bKFlg9F6AREi9s1Z2w9KCW8yyFF2a5GHWsvCAyNgfOb5eBiqpZSPvtwq7Trw1Ic14I4EsIKRuzmXnkZOmVC0rqkIR48xKM0gPObEy6PqvWp8g3SOHlcPw8LYym3bWKBKHiPJit3K48SoXHgu3FiMZgrRLk8S1iJVo0+jRSCCLcnVtCNW1giLpg+bjjV5FzAuAtODS7idAbKFFEqICQTHeSrJUSeyNeCaIt4H2KBCIkuOwyeN3WDn07RL2NJwMKBZEEgd69YkcvDenteTxoV3Y+d2s+Mu9GdLfbTLl9xxWDhNv8ERYrC4HjwE9bbhliFtxv0o0BJ7dykvCgfyrTspQJ7Y4rLyi/6k1nFBEQ85FFEADz0nXR8ZEEkbonq5EuDrtPHhOvqck+zs7zYBrBohdkVqpfkdBkJOS7NQ2RYUT0rHyBWVvTxryO5DrJl4RMYanvBcGHppJVR4Hj3Y5JnTKVcZPDVTSSiCQ2AxNIAGdVkaPHo3Ro0crXuvevTsAYPHixfE+feM4BuBNiKUGH0BsstwVwPOxH4rukLH/iB+X9xEfNruFQ7rHgMMntC28Y6cDmtbPiTNBnCiJfFBPU+nE5OEi7hsiQG0WDi47r0htBoAN3yu1PQMPTL0tDZ9s9OLoqQAEQVAkmOw77MOipaX4fq92T72qGjGry2qmXZoNT5DwVodQ59ITeOLxSHC9daYRew/5pI4h9UGyRV12HtlqC88bkhaUKWNSMaS/A047LwXqieVDW0BEQF6eZ8NTEzOwskiMTb33RQXe+6ICF7Y2oXWmUUpSIAKbCNEybwiBoKBImAmoYoX2KHuqkcWSxOg8Tl7znm7aWRPxGrH8W2eaIHYPF6/7lQ9K8eGXFSi8KwNvrynHu2sr8NDoFIyi3GHHTgXQJtOEYkr5Urf3qqkT50CfTlZ885/w9Vt5WMPXU+NTWsJGRcss+TjdqX0naYEEKIXDo+PSkJFiRKrbgKpaeVx0XJAIJvVmzgSHjYfNKm72TO6t1cKB4+Q5pxZ4NiuncNtpWXj08dWQOS3X5snXRM5l4Dm0yzHh12N+BEOykkXvt6cWeP6AHMOjlSae104+IbTNMuKXI37YLDzMJjk2bjZG7joh3pvIa7Xo1DYaw8MNBAUEQkJCMzQBVniupBjAVQC6AJgJUeiZICar7ILYQDlGgtRzdUbSzsSdAfQapu7YW4vbnzqG+e+URLxX6xOkrvY0P/+mbPbqsHERrcGIwKMXxDpfSJHRCQB3FXjwx0udcNp4hEKiNaWO0az4uhKV1SFoeSPIddJJK2pXIeEvfz8d8doX31Zp9o4ExAeMRiurLhpkgXbZ+Yhu/OXeIM6EF8LMVIMU8yIdTcol96N8/0gcyG0XtXr1g/7rMb8k7AB5cSMLR1llEHfPLlYoBOqyDa0u/AS5Fk9AVW1Ic0HVg4ydtvAG9rOD54HjYYt44w/i2It2KJUiYinTCp3aRVhTF4LNwiGVKlZ2WHnJLV1ZpcwKzNDZTLVPZwvGDnOB50UlzkFZU04bh8dvS8Osu9Mx+GLR7UvmvdvBY8QVTkVDcnIvD2rUl4rH42G3EAtPPA/HcYosxAiXpoVXWJVWM6dp9XAcIrIZAdnqIx4E+n7R86lrezNq6wQcPu6XQg30eTNUz0JVbQg1tQJ4Tg4F1AfHEQVIfNasZk6yEk1GcZ7TqDe4/cu9GejTyYLL+mhv/WOg2sMFAtotA+MJE3g0rwD4X4i7Zy+C2LD5BIBxaJKdqonbqiZs4bXN1hF44SxKdSylTaYReZ0j973qlGvCzl9qJbdZSXkQ6W7lNjOAODndDh4V1XKR9f6jfilJgkC0U3ox/eWouECoO3NcnS93jidZoETgWSmXpl7SQU3Yvat+TcvdRK6BhtZUbRYOD42OvrUNcRO6HDxaZxqlcZIxEguPTi5JUVl4dIIJWeSJcLRpLCwFV8hbupD7QYTovsO+iDiuOlM02q7ZZMErqwzCH4BCGNQHuR5FRp1NVASIx4DEE0+cURbfHzsVwLbdNYpyjd2/+fD6qjLp/tTUCbBaeIVVYLdyktJC4lEXtDJhytjIJCICx3G476ZUfPpyW/TtYlX0wXTaeVx/uRODLpZjnONHiJnh0+5Mx2Pj0hQWGbk/R09qCzyHlZOOT7ti6d9AbeEZeMBOKRpWM6eZam+3cJrxKvJdYtjTiiot8EgB955DPilhhT6vesPY6poQqsNKh5YVNmdSRoQgTHXx0nVbzcrkMLOJg8HAoU8ni2Q1qwX4wIvsWPBYtu6cpcsS/MHz0KV5zlAD4A2IGZhHIe5IcJaQ4DeBFHlW1wnITuPRUWd/Lq1UfUAUKA+PScXfVpbB4+DRrYMF2WkGfLFFTMfetrsWl/SyoaIqhI5tTRGWgdXMwe0QrbbqWgEOGyfF+9LcvGRlkAeafL+qJoR9h+qkJrA0PS+0oHOuGTnpRtT5BWzfUytbeCYuIp6iReGEdLzwTkmDNs1VP2BpbvnBumWIK6ITvhY8Jy4+TpsRrz6Rjaw0I8YU/o7yqhCs5rDAoxYdj+R+DFt4VJIKsZbJAmBRNSIecYUTj45Lk6xyYj0QIbqDcguTJAF1O7GGxPBIKjq9SDeUNMqyMhk5ZKQYsOegDwVTj0jJNKfLggrBvHRdZUQTgNlvnEYwJAqTv9ybiZq6ELIcRkm4A6LAJ4thBSXwRg501TtOcm/pOeWyRy6s/bpase7VXM1FntyvoxqhBEB0C6Y4eRh4KEoN7FYOJeGQtdp64zmloqHn0lQroNKYVL8vnQlJC5xuYdfunoM+SXFTKzhTxqbilffFhKiqWjGGp95nknBZHzvuKgjgteVy7D4jxSg107aalR4Lsi4seCxb2iqpoZYjQYxdhi28oHZThXjCLLwQxHKD2wGcBnAfmkTYAYiw4Lw1Yp2Xzy92dicxNjXqtlMEq0WMFTwwKhXj/uhBv65WtMk0IS+8NcwvR3ySsEl3GyK0LJuFiyhgJZtuEusMkIvnyeJQXBJAcUkQXduZcf1lymzBtllGjBnmxlX97NJiK1t4fMRDrrUge5x8hJVJWPBYlmI3ZxL/+f+PZGHQxXYMypfH0yrDGJGAAQBD+iv3L0tx8ZKm3b2DuPGry8GjwhuUYju0u5NYKKS7ilbPTrLw0i7X8cM9mDJGue8JMd4cNk6Rjj17UgYeGZumefyoMbzw/SUuZ4eVx6tPZGPGXemYdHMKbrs20g+/eLqycF/9m5C4GBF2ZEH+8ruqqFvpEPf9tz/WSmUYoktTaeHZKIsa0I/36EHPaz0Xrl6JE1HitCy8xdNz0O0CCybdnIp5D2UqzkP+bzZFWkscp7yHVjMf0XEp2ljVz0gqlRhCCzySvPOf/XVYvLIMDiuHKy9Szu2RA12483rxN6+uDUneJD3U526TaZSEmNXMKwQa3VSD3I9o3gc9DHw4S5O5NBNMCYB+EHc6WAFxT7mZTXd4dXzJWx2StHe7ldcVeHRchJ7wetpUdjjb8FRpUBI2aR4DzCY5lsBx4sNKasYqq0PYd9iHXfvr0L+HVbEbNFnUyANKdmPo0t6MP49Jw3tzWkufJW5BQNaISWKIxcxFWGRaLrcUpwE6Ri3SPQZFTIPcg7wuVsy6O0OxALfKMCLFZcCaBW2RSll+k29JxYtT5O1x1LE7QMwqIy5Nh41THJdYeMTNqpX+T1yaVno86QYpZkGyJ0mGJ8cpEwe6tDNLC5M6QzVaDM8eYeHx6N7BgiH9HfjTUDcmFHik/oWAqPSo55HdwuO+m1JwV4HoClTHguY8kAmHjcOazVWKrMq/F+agVYYRY4aK8TVCnV/A6bIggiFxQaQz++xWHgaDOC8rvHJ9VyzQv42WhRcNuRFC5G9IiuJbZRhxcXdlDIr8NrSSMunmFPAccFFXq2Jem4yyFWgxcZLLXs/6Vv++Hh2XptUsdjQ5WCy2ORs9xK2p4EmhiNoQquv0LTz6swBwx3VuTLo5RRZ4FqWFR28STJ5rdUy9IRgNXLh5dOJdmskr8N6GKOx2ArgB4jY+X0HcwfssmT0pA4+NS1Notm4HH3YxhH3vFk7XxUEnuigmvI42lZkiTvqTpQGpPIFo6bImJmqmJOhcURXE5l2idXfDlU6FYJJieOHxkYSYC9uYYTZxyKbaKNH/z80WFwziJrWYxZgF/UBrabkeF6/Z0giItBL1st8AOUtNXBiUQrINJZi1BJ7baUBFVQglFZH7BRoNHLq2N+M/B+rwyxGfVO9HL35EoNELgMshf2DaeLFbwY1Xya470uPRYeWQ4THoLkzRtGgiYOUSAHXaOIf/mpwlxccMfKTiZLNwGDvMjTuuEwVeJuXiXP1iW+R1tuLKvnZJ4He7wIyl89qgY1sz3n2mFe6/ORXtspXK2yvhOkO1hUcWOKuZlzING7JbgR7OGJJ0AH23Is/rW4WAXLhNeyL+NNSNfy/KhSe8xQ+B4zhJiFvMsltfL75qVwlLWjCqE2ToOjh1j1D18SqrxG19oiY9Ue9d0suGzFSjtOZYzZxir0Ba0SDzvNEWXkisw2NZmoniWYjNoB8FsBLi/nTRm343mMv72DHiCqciWJ+VaoC3OiS1CyMT5f6bUhT7Ram5tLesaert22U2cUh18/j9ZABrNomxIiLwyGQ3qiyNiiq58DY326QQpnLSivgvqRVsSwmNJbNb42/TcxQaWppbtMaIu5QsrPQDrfXweRzaDy655mgPLE06JcisqmA7vSCpu52IY+AREkQ3m9b794wUk2He+qRcsvBoC82pEcOja+Iu6WXDV39th45t5d+68K50jL3GjUduTYvIBKTRW9jE84nfKdGoeaMhllAgpFSibBqJFLSFR66LTv/PTDFIfxMhQRSKNDePTrkmbN4ll2FobSYbLesxFpwxW3jKcxHLtD5Lg8zBgCqhiFy/+rcjxzMZOWmMei5NWhDSrcYADYFH3UuteSoe6wJDSgAAHDBJREFUT/wOUX6jucSVz6bSTWm18JoxPEBUdPt1tSjWp4ZiCFt4/mZwaSZn0kotgN8gbrT6cvxOQ4L1lnDT1f1H/VLRN0lEGDPMjcEX2zFmhrKPXYqTx6RRqbjqIpvUOYKP8mxnpRix97BP6g+YFS556NfNijWbquTkCqqYlNTWpXkMigdWcmmGHwDixqLdlznpRs0Wax1am1AaTsQgD4vDyoEUH2hpufSDlNdZzAAjqfwWMxf1gQWAVx7LgrdGUCzcxGqwhGMudiqXRdOlSWnOWu/nd7Oi2wVmbPmxBg6rqLXT90yK4VELhF4ROKFNpgn33Shnleot/GoXIw25x8SVrWdFkPEFg8ren1oWjzrxRn1crZgbeY3jOAzOd2D/ETERwmbR7rBP36ezEXgxuzRV1pTLLiZr1dfeiszBoE6sWa00EPef0UCs0KCuwKOTkswmpctZbf3WN08B+TclDSqiKQWKlmg2+ZkBNJJWKO+K0cDhxSnZuseNhtFAOq0ktnE0kKwW3i8Qk1W6x/c0xJVjt3GSZkniW/RCo+WWSU8ROyjQi0+0Djx077o7r3dLbZkeviUVl/Sy4pYhoitNiiWVBlFSHpQyKZUuTYTHTT9ckQkoWtCxQOIOob9XX53YH3raMPU2uc2c0aAchxa9O1kjNE1i4ZEHll6Q6MxOgpuy1lJ1NrksuNIJQRC3MXLYeMUC0BiBp0YrIcRl56O2XrJILs1wXZaeFWEjAk95Hi2rksydscNk92s0Nxsg3hsAmDDCo8jKJL1PAeUcVXgUzkLgxVJ3CIi/D1EcU10GyZtRn6VBXHjRtuy8up/o2QEAU/hSTUZOer71PBUGXi7VMBuVFrdVpXzQ7mG9eUqeN9KOjW77p0ZR0xj+PxGQThsf4SlpCgw8B19AgCAkdmsgIFktvN3hf+Ms8MiD77Dy0iQiAo9eaLQCv+o4EhA9xkCnlk8YQVkNZh5zH5QTNrq1t4QTELzwBwSkeQzgOKWvniwCtGVBt3CKxoVt5M+RB4TWSutboHhOKShE6yz2B81MxSHU6CWtEPRcRQP72qUm1k4br1ioyaJG/5axutu0FpSUenaYjkhA0VlUiRITEhD+vTnU+gRNizAz1YjPXslVWD12hYUX+Z28zlasfqktHFZO2loKkGNfaxa0Bc/RC3nTWHixCjye53BZbxs27qzBydKg5IrV2vmdpiHK3lP3yC3PyDNkNnJw1OPSBMQ1orYuGDEH1H/TCS1armLxPOJ3SEOJdjn6zy5RJnlOnrv53ayYMjYVg/LtimzWphJ4RoO8LRdLWkkEe8L/dovvaSQLzypvH0J2FKaDvVqCTEt7i/ZQlmv04dPCaefxpyFulHvF3ovE2lG4NMMPa7tskxQPaOhWhVf2tWPkVU706WRB33CR/GCqKFgvBf2RsWL6/sCL7BH3I9a0dUBeULUe0vpcmlrKBiAuWCQj1mHnpYXaYeWkbEx68VYXAteHtsCLfuPVLi89l6a6qTn5PfVq/MwmpaVBH1cvW9hp48FxyiQVKZvPzOtalo0ReO/8pRVeeDgzZpcmANwaLtXonGuSygfq26Im1jGS49IWXrSmAERRUc8B9XnJuuB2RPbrlI+lPI/WdloE8jvYrXK5hdnEYeRAF9wOg0L5i5YwFgsGAydt/8UEXiL4IfxvnC08sojarXLShOzSVP7Qi6fn4MU/y5aY2KFdRF0moMWfhrpg4OVswGjQ3VGIgKQtE9pyGfdHMXOv+wX1F3STMU4Zk4YFj2VLm2Je1U8+n1HnEm4Y6MK6V3OlTMu/3JshbXTamG7qZioOoUZri5PeHS3IzTYiO82A3h31r5VsM+PzC9I5aEvubLa40lpUtbrT06hdXnpp4uqFhWQbNsRyAeT4DlD/4p+qcGlqH98apXNJQ2iTZYooHWgo3S+w4MUpWXjmvkzJ9VhfDC/WvamJcDCZ6KQV/eskMUK1UFHfa5IopefOBJSC1WgA2miULhAMvBjO0AsbdKKSrGItH9E9p0FuyJHowvPkc2muh5iV2R1AbnxPleo2oGt7M/p2sUpa3k+/iQkd6kSEzrlmBEMCBvS0ok9nq2KTz9eezMa6rdW4PE//Ae92gQX/XtSuQeOiffrE2lG0TqIm9thhLnRobdJsadZQTEYOfy/MQU2dgG9/VDYxvv5y+TppYTGQKqhtzO4hRBAo6vTSDSguCWpawW2yTPjn060jXlcjCvE6nCwNIN0j3hO1lSFm6MauS2ot/MP+oL0tEEGrr6MWxFInCoAs8Bp2c+tLWqFJ0bDw1NCKSKyu36agX1exTMPYwBhezNa6dFw0zMKzcYrvETjVV4ig0/NCAEqrvU2WqV7rNa+zRbe8o1NuZIjibKGVi0Ru/goko8D7AmJD6DcRd/vWwHN47Umxq8W/w3tVlVaIve20LCYDz2HeQ1kRr3dobcY9I5ugmWcYjpO7vxPrSculST57Sa/GadI0JB1/225Z4M26Oz2iU4T2eGM/n5aF9z/TW6HcG2yUG4xAEi9KK0LSfVIv2GTrn1gx8KJwDwniuF+f2UqzsJjGZISik7+eALvuMid+/d0vJZeQ3dvry4Al0N6F+gSeSaMjhxraEqWzfxMNyRKsb+GN1cIji7rZyOHKvjbsOViHPlGURmJpq4WKugyCKBN6cWZAXEdSXeKOD1ddVP+zS8f41dANvZsyaYWQ6CzN5BN4swA8CEB/O6i4QO+KfVFXa5P5wxtLv67i5rBWKn2fcDZZc/VBLyw56cYG+fAH9LQhM8WA8cM9DT6PdF2Uy89l589K2AFi4fiGH2owscAjlU6c7TEJHMfBbBb7aZpNXL3CjnzHEv4OoC9gTEYOj9wqC+JgjBYe/blY+ifqWXj0OHPSmm8ZIlmC9RlwsVp45BkyGTlc2MasqcjSOHQEnnrX3vY5Jvyhh1URltDivyZnwecXpIzbxnI2Lno9aAsvkbudA8ko8KxIuLADRAHTpZ0Z+w77oromE8XMu9Px4ZeVUq9FOk4WT786LeAa6s5w2nl8MDe2H40I8LPJANQizW3Am7NaAYCUjeiKsfwgGmajKLxiUYgsJvE7RkPDEwv09nbTQ5GlGcM91Ts+vatEU1kOjYFYGNHKDQDZ0qkvpqo+bkN/DylpJfz5uQ9m4qP1lejfQ7lWmE1i55z66JzbdB6h5ydnYuPOGrTT2d0lVmjlgRWen6eYTRwWPZGN/Ud86Nq+6SZjY/E4Dbj3Ru2tdOJpfdKZpvEUrGQRbUyGZ4PPER6/K8bU+KjHpAqWGwq5xoYmoNA01HKhFyatsgQ91C45QrQmComExPDqkXcY0MuKB0al4LIGdhaRklYaOMfVLs1LetmaJJTQFPTvYYsQvGcD7R7WarIdT5jASyBGA4duDcx2bE5idd/EQmMsvMag5aptasji1FQuTUAebyxKBykObkwj3/rqz7RoiBIx94FM/Pu7KvTU2a6J7ErRmDE3JZJiUY+Jx3EcbhnS8B2giau0oeEBvbKE8xF6DWAuTcZ5Da3dxTNgLbUWi6eFp1GW0FTHjMXVQ661MY18G1Py0RAl4pLeNlwSzRoKC5j2UYqiE0l9Ls1YIa7Jhs5xKYaXBCuywsvDXJqM5uKFhzN1dyZvKpT++/idx6qRpdnUxMPCk9LZY3gySQmGXoJINGLNPhTPd/b39M7hHnhrBEwc2fBEpHhAur80sbyjXJqxxUiTzsJjLk1Gc9HYQt5YMCbIf2+lOr7Hi14dLWjfytSkbmpircVi4RGNORY3aMe2Jhw46hebgMdIU7ii3Q5Dg5okxBuShNjUFh5pj6fVOFsLUofX3NnbicDAsjQZyYLSfx+/h7tvZwtuGeLCoHrSt8+GPp2sUsZmU0EsvFgWYLJ5biy38/mHsvDdzzW4ogVkDDcrcZqCHVqb8PIjWVG3/qJpl22CyRi97+X5giFBa4AWTOAxEgrtv4+ndmez8nhgVGr8ThAnyD2JSeCFJV4smY9pHgP+eKkzhpEB8x7KxOZdNWifc/4sG2S5bWoLj+M49O1irf+DYXKzTfj4pdzkcGkqMrWZwGOcxzSndncuQJJIQjGswKRNWDyKhGkG9LRhQM/zyyKUXJrNOwwAyRG/A5RrQGNiyGdDC6mGYSQLzdll4VyA5PSEYsgdklya7GmOmXhZeAx9aEWXbQDLOK+htbt4WyTnIo1JomiMS5MRhkm8hKMIayTYpckeEUZCYW7M6BChFWpE0gpTIBoPE3eJw9CMhedM4DESit5+eAwRUhcWikHiCSHy3XiM6PyGGXiJRxnWYBYe4zwm0ftfnWsQCy+WBTgjVVxB1HssMuqHi1PhOUOfRDWf0IJlaTISSqKzss41yFoQjCFp5fHb0rB0XSVuv655u5aci0heYCbxEgYt5OLZGELz3Ak9GyPpYTG86MhJKw1fgTNSjOdkzWFLIF6dVhj60F6ehuz52JQwlyYjobDU+ejIdXjNPJAkgRl4iYeO42emJtblw5YfRkJhFl50GlOHx2g8zMJLPIrC8wRnWjGBx0gozMKLDkfKEpiJlxBI4+8BPRveBoxxdlTXNp82x2J4jITCsjSj0yq8e8EFrc7/JsItgesuc6BVhhG9LmxYk2fG2XPiTBAAkO5JfAYbE3iMhMLaiUXnliFuGAwcrhngaO6hJAUGnkN+N2bdJZJg2HvRsW3ilTom8BgJhWfdQKJiNnEYO8zd3MNgMOLGAzenwmTkcP9NKQk/NxN4jITCIlMMRnKT5jHg/93RPJv/shQCRkJxhHd2bpPJdC0Gg5FY2KrDSChWM4+l89rAZWe6FoPBSCxM4DESTnNkZzEYDEbc1ewVK1Zg7NixGDt2LH766SfFe3V1dZg6dSrGjRuHqVOnoq6uLt7DYTAYDEaSEleBV15ejnfeeQdvv/025s+fjzlz5ijeX7FiBS688EIsWbIEHTp0wIoVK+I5HAaDwWAkMXEVeLt27UJ+fj7MZjNyc3NRVVUFn88nvb9161YMGjQIADB48GBs3bo1nsNhMBgMRhIT1xheWVkZPB55yxK3242ysjJkZWVJ77vdYs2Ry+VCeXl5PIeTOKp/B/4zGwhURb4XqAYq9gCeboDBHv04sXyWHZsd+1waBzs2O7anG2DNAnrNBOxt6j9HExBXgefxeFBRUSH9XVlZiZSUFMX7lZWVAACv16sQjuc0exYABxZH/0zlzw0/XiyfZcdmxz6XxsGOzY5tdAH9XojtPI0krgIvLy8PCxYsgN/vx6lTp2C322E2yz3r+vfvj/Xr16N79+5Yv349+vfvH8/hJI5ujwB+LxDwRr4naTfdAYMt+nFi+Sw7Njv2uTQOdmx2bE93wJoJdJtS//GbCE6IZafJRrBs2TIsW7YMADBjxgwYjUZs2rQJ99xzD2pra1FYWIjjx48jJycH8+bNg8Vi0T3W9u3bkZ+fH8/hMhgMBuMco6GyIe4CrylhAo/BYDAYahoqG1i7CwaDwWAkBUzgMRgMBiMpYAKPwWAwGEkBE3gMBoPBSAqYwGMwGAxGUsAEHoPBYDCSAibwGAwGg5EUMIHHYDAYjKSACTwGg8FgJAXn3I7n27dvb+4hMBgMBuMc5JxqLcZgMBgMRmNhLk0Gg8FgJAVM4DEYDAYjKWACj8FgMBhJARN4DAaDwUgKmMBjMBgMRlJwzpUlnC0rVqzAhx9+CACYNWsWevbs2cwj0qdPnz7Iy8sDANxwww0YPXo05syZg927d8PlcuH5559HSkpKM49SZOLEifjpp59w55134sEHH4QgCJpjLSsrw5NPPonKykp0794dM2fOBMdxLWbc3377LaZOnYoOHToAAJ588kn06tWrRY37559/xrPPPguDwQCDwYDnnnsOWVlZKCwsRHFxMVq1aoW5c+fCYrHg6NGjKCwshM/nw9VXX41JkyY1y5j1xr1161YsWrQIbdq0AQC8+OKLyM7OblHj9nq9uOeee2AymVBTU4OpU6fikksuafHzW2vcPM+3+PlN+O233zBixAj885//RO/evZtmfgtJRFlZmXDjjTcKdXV1wuHDh4WxY8c295CiMnToUMXf69evF6ZPny4IgiCsXLlSmD9/fnMMS5Pi4mJh+fLlwquvvioIgv5Y58+fL6xcuVIQBEGYNm2asH79+uYZcBj1uLds2SIUFhZGfK4ljfvkyZNCZWWlIAiCUFRUJDz++OPCkiVLhEWLFgmCIAgLFy4UlixZIgiCIDzyyCPC1q1bBUEQhPHjxwv79+9vnkEL2uOm7z1NSxp3MBgU/H6/IAiCcPjwYeHmm28+J+a31rjPhflNePzxx4Xx48cLW7dubbL5nVQuzV27diE/Px9msxm5ubmoqqqCz+dr7mHpcvr0adx+++2YPHkyjh49iq1bt2LQoEEAgEGDBmHr1q3NPEKZnJwcxd96Y6VfHzx4cLNfg3rcALBx40aMGzcOs2fPRm1tLYCWNe7MzEw4nU4AgNlshtFo1B3f7t27cfHFFwMArr766hY3bgBYtWoVbr31VixYsAChUAhAyxo3z/PSWL1eL7p27XpOzG+tcQMtf34DwM6dO5GRkSE9n001v5NK4JWVlcHj8Uh/u91ulJWVNeOIorNu3Tq8++67GDNmDGbMmIGysjK43W4A4tjLy8ubeYT66I2Vft3lcrW4a+jZsye++OILLFmyBE6nE2+88QaAljnu6upqLFiwABMnTtQdn0D1lWiJ4x4yZAjWrFmDd999F8eOHcPq1asBtLxxnzhxArfeeivuvvtuDBs27JyZ3+pxnyvz+7XXXsN9990n/d1U8zupBJ7H40FFRYX0d2VlZYuJgWmRlpYGALjyyitx7NgxeDweVFZWAhDHTgvvlobeWOnXvV5vi7sGp9MJi8UCACgoKMCPP/4IoOWN2+/349FHH8W9996LTp066Y6PjsO0hDmjNW4S0xs+fLh0v1vauLOzs/Hee+9h6dKlmD179jkzv9XjPhfmd1FREXr16oXU1FTptaaa30kl8PLy8rB9+3b4/X4cO3YMdrsdZrO5uYelSVVVFYLBIABgz549SE1NRf/+/bF+/XoAwPr169G/f//mHGJU9Mba0q+BPFQAsGXLFim435LGHQqF8MQTT2Do0KEYOnRo1PF169YNO3bsAABs2LChxY2bVkDp+92Sxk2HPZxOJxwOxzkxv7XGfS7M7927d+O7777DxIkTsWnTJrzwwgvo2LFjk8zvpOuluWzZMixbtgwAMGPGDPTu3buZR6TNrl278NRTT8HhcIDjOMycORNdunTB7NmzsXfvXjidTjz//PMKLag5mTlzJr7//nv4fD507twZixYt0hxraWkpnnzySSmmMGvWLPB88+ld6nFffvnlWL58OWw2G1JTUzF37ly43e4WNe7PPvsM06dPR69evQAAXbp0wRNPPIHCwkIcP34cOTk5mDdvHiwWC44cOYLCwkL4/X4MHDgQDz74YLOMWW/cTqcTmzdvhsFgQIcOHfDss8/CZDK1qHH/+OOPmDdvHnieRzAYxMMPP4wBAwa0+PmtNe5ff/21xc9vmmnTpmH06NHo1atXk8zvpBN4DAaDwUhOml+EMxgMBoORAJjAYzAYDEZSwAQeg8FgMJICJvAYDAaDkRQwgcdgMBiMpIAJPAYDQPfu3TFy5EgMHz4ckyZNUtSHxcrgwYMb/f3nnnsOK1asiHh92rRpGDx4MEaOHImCggJ88803jR6fFgsXLsRbb70V03dISycG41yBCTwGA4DD4cCqVavw6aefwuVy4V//+ldzDymCwsJCrFq1CtOnT8fTTz/d3MNhMM45mMBjMFT069cPx48fByB2vBk/fjxuuukm3HDDDdi4cSMA4OjRoxgxYgSmT5+O66+/HpMmTUIgEFAch3z3k08+AQB89NFHGDVqFG644QbMmzdP+tyiRYtw7bXX4vbbb0dxcXG948vPz5fGBwCbN2/GyJEjMWLECDz99NMIBALYtWsXpkyZAgD4+OOPMWDAAAiCgJKSEtxyyy1Rj3/HHXfghRdewKhRo3Ddddfhp59+AgCcOXMGEyZMwPDhwzFnzhzFd/72t79h1KhRKCgokPozfvHFF5g4cSIA4MiRI7j22mvPynJmMM4WJvAYDIpgMIjNmzdj8ODBAACLxYJXX30VK1euxBtvvKEQVL/99hsmTJiANWvWIBQKYcOGDdJ7Xq8XkyZNwtixYzFixAgcOHAAX375JT744AOsXr0aJSUlKCoqwq5du7Bu3TqsXr0aCxcuxA8//FDvGIuKiqTx1dXVYcaMGVi4cCE+/vhjnDlzBh999BF69OiB3bt3AwC2bduGNm3a4MCBA9i2bRv69etX7zk4jsPy5cvx8MMPY/HixQBEwXzZZZfh008/RV5entSmauPGjSguLsayZcvw0UcfoaioCPv27cM111yDlJQULF26FIWFhZg+fbrUAJjBaA6SbgNYBkOLqqoqjBw5EsePH0eHDh1w+eWXAxD7P86fPx87duwAz/M4dOiQtKVKu3btpC1XevTogd9//1063v33348HHngA1113HQDgm2++wc6dOzFq1CgAQG1tLXr37o2DBw9iyJAhsFgssFgsuPLKK3XHOHfuXMyfPx/FxcV47733AIhCNzc3F+3atQMAjBw5EuvWrcPo0aORk5ODw4cPY+/evbjtttuwbds2HDhwoEF9Eq+55hoAQK9evfD6668DALZv347XXnsNAHD99ddj2rRpAIBNmzZh/fr1uPHGG6V7efDgQXTp0gWzZs3CiBEjcMUVV+Dqq6+u97wMRjxhFh6DATmG9/XXXwMAlixZAkB0B1ZVVWHlypVYtWoVHA6H1JSXbjxuMBgULs1+/fphw4YN0vYloVAIo0aNwqpVq7Bq1Sp8/vnnGD9+PAA0eGfpwsJCfP7553jssccwc+bMej+fn5+Pr776Cm63G/3798f27duxY8cO5Ofn1/tdcm2kDyOBjJUecygUwgMPPCBd25dffikJzOLiYvA8j1OnTjXoGhmMeMIEHoNBYbfbMWPGDLz55psIBALwer1IS0uD0WjE119/3eD9E6dOnQqz2Sy5QC+99FKsXbsWZ86cAQCUlJTg5MmTyM/Px7p16+Dz+VBWVqZwi+oxfvx4BAIBbNy4ER06dMCRI0dw5MgRCIKA1atXS9mT+fn5ePPNN9GvXz+0a9cOBw4cQE1NDdLT0xt1b/Lz8/Hpp58CANauXSsJeNJwu7q6GoAY36ysrITf75fcrR6PB0uXLm3UeRmMpoIJPAZDRe/evdGlSxesXbsWBQUF+OGHH1BQUICioiK0bt26wcd5+umnUVJSgoULF6Jz58546KGHMGHCBBQUFOD+++9HeXk5evfujcGDB6OgoACTJ09G37596z0ux3F46KGH8I9//AMWiwXPPfccJk+ejIKCAqSmpmLkyJEAgL59++LUqVOSRZebm4u8vLzG3RQAkydPxoYNGzBixAh8//33cLlcAICBAwfi2muvxZgxY1BQUIAnnngCdXV1+Otf/4pLL70UeXl5mDVrFl5//fUGJeUwGPGC7ZbAYDAYjKSAWXgMBoPBSAqYwGMwGAxGUsAEHoPBYDCSAibwGAwGg5EUMIHHYDAYjKSACTwGg8FgJAVM4DEYDAYjKWACj8FgMBhJwf8BdbJpwZ2k+CQAAAAASUVORK5CYII=\n",
      "text/plain": [
       "<matplotlib.figure.Figure at 0x7fa6b33450b8>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    }
   ],
   "source": [
    "# custom legend\n",
    "custom = [Line2D([0], [0], color='royalblue', lw=2),\n",
    "          Line2D([0], [0], color='deeppink', lw=2),\n",
    "          Line2D([0], [0], marker='o', color='w',\n",
    "          markerfacecolor='orange', markersize=3)]\n",
    "\n",
    "# init plot\n",
    "fig, ax = plt.subplots(figsize=(7, 5)) \n",
    "\n",
    "# plot sorted actuals\n",
    "# double index reset orders index by sort variable and\n",
    "# brings index into frame for plotting\n",
    "_ = gbm_wrong[[y_name,'p_gbm_DEFAULT_NEXT_MONTH']].\\\n",
    "            sort_values(by='p_gbm_DEFAULT_NEXT_MONTH').\\\n",
    "            reset_index(drop=True).\\\n",
    "            reset_index().\\\n",
    "            plot(kind='scatter', x='index', y=y_name, color='orange', s=3, ax=ax, \n",
    "                 legend=False)\n",
    "\n",
    "# plot sorted gbm and glm preds \n",
    "_ = gbm_wrong[['p_glm_DEFAULT_NEXT_MONTH', 'p_gbm_DEFAULT_NEXT_MONTH']].\\\n",
    "            sort_values(by='p_gbm_DEFAULT_NEXT_MONTH').\\\n",
    "            reset_index(drop=True).\\\n",
    "            plot(ax=ax, legend=False, \n",
    "                 title='Ranked Predictions for Correct GLM and Incorrect GBM')\n",
    "\n",
    "# annotate plot\n",
    "_ = ax.legend(custom, ['p_glm_DEFAULT_NEXT_MONTH', 'p_gbm_DEFAULT_NEXT_MONTH', \n",
    "                       y_name])\n",
    "_ = ax.set_xlabel('Ranked Row Index')"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "For a range of probabilities between ~0.2 and ~0.6 there exists a group of customers where a GLM model gives more correct predictions than the more complex GBM model. In the plot above, the yellow points represent the known target labels, the pink line is the sorted GBM model predictions, and the blue line is the GLM predictions for the same customers and target labels. For this group of people the GLM is obviously able to better represent some attribute of the customer's demographics or behaviors. Can the differences between this group of people and the rest of the customers be identified and leveraged to make better predictions?"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Descriptive statistics for rows where GLM benchmark model is right, but GBM is wrong"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 33,
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>ID</th>\n",
       "      <th>LIMIT_BAL</th>\n",
       "      <th>AGE</th>\n",
       "      <th>BILL_AMT1</th>\n",
       "      <th>BILL_AMT2</th>\n",
       "      <th>BILL_AMT3</th>\n",
       "      <th>BILL_AMT4</th>\n",
       "      <th>BILL_AMT5</th>\n",
       "      <th>BILL_AMT6</th>\n",
       "      <th>PAY_AMT1</th>\n",
       "      <th>PAY_AMT2</th>\n",
       "      <th>PAY_AMT3</th>\n",
       "      <th>PAY_AMT4</th>\n",
       "      <th>PAY_AMT5</th>\n",
       "      <th>PAY_AMT6</th>\n",
       "      <th>DEFAULT_NEXT_MONTH</th>\n",
       "      <th>bill_std</th>\n",
       "      <th>p_gbm_DEFAULT_NEXT_MONTH</th>\n",
       "      <th>p_glm_DEFAULT_NEXT_MONTH</th>\n",
       "      <th>gbm_DECISION</th>\n",
       "      <th>glm_DECISION</th>\n",
       "      <th>gbm_WRONG</th>\n",
       "      <th>glm_WRONG</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>count</th>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.000000</td>\n",
       "      <td>387.0</td>\n",
       "      <td>387.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>mean</th>\n",
       "      <td>14074.307494</td>\n",
       "      <td>158010.335917</td>\n",
       "      <td>36.741602</td>\n",
       "      <td>24316.416021</td>\n",
       "      <td>24700.674419</td>\n",
       "      <td>25600.105943</td>\n",
       "      <td>24657.000000</td>\n",
       "      <td>22654.297158</td>\n",
       "      <td>20100.162791</td>\n",
       "      <td>2776.273902</td>\n",
       "      <td>2930.260982</td>\n",
       "      <td>1822.436693</td>\n",
       "      <td>2021.971576</td>\n",
       "      <td>1840.865633</td>\n",
       "      <td>5164.028424</td>\n",
       "      <td>0.069767</td>\n",
       "      <td>5190.572204</td>\n",
       "      <td>0.277158</td>\n",
       "      <td>0.193844</td>\n",
       "      <td>0.930233</td>\n",
       "      <td>0.069767</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>std</th>\n",
       "      <td>8475.155425</td>\n",
       "      <td>139110.497314</td>\n",
       "      <td>10.381101</td>\n",
       "      <td>70201.456042</td>\n",
       "      <td>69611.284225</td>\n",
       "      <td>70450.914928</td>\n",
       "      <td>67177.658606</td>\n",
       "      <td>60073.067598</td>\n",
       "      <td>53222.300942</td>\n",
       "      <td>8628.703418</td>\n",
       "      <td>12493.251481</td>\n",
       "      <td>6093.907597</td>\n",
       "      <td>8385.120506</td>\n",
       "      <td>9212.506376</td>\n",
       "      <td>35502.730094</td>\n",
       "      <td>0.255084</td>\n",
       "      <td>15358.965587</td>\n",
       "      <td>0.060774</td>\n",
       "      <td>0.050228</td>\n",
       "      <td>0.255084</td>\n",
       "      <td>0.255084</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>min</th>\n",
       "      <td>78.000000</td>\n",
       "      <td>10000.000000</td>\n",
       "      <td>21.000000</td>\n",
       "      <td>-1580.000000</td>\n",
       "      <td>-5978.000000</td>\n",
       "      <td>-2400.000000</td>\n",
       "      <td>-1580.000000</td>\n",
       "      <td>-1773.000000</td>\n",
       "      <td>-2303.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.127516</td>\n",
       "      <td>0.025709</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>25%</th>\n",
       "      <td>7060.000000</td>\n",
       "      <td>40000.000000</td>\n",
       "      <td>29.000000</td>\n",
       "      <td>131.500000</td>\n",
       "      <td>190.500000</td>\n",
       "      <td>281.000000</td>\n",
       "      <td>117.000000</td>\n",
       "      <td>102.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>192.360136</td>\n",
       "      <td>0.238541</td>\n",
       "      <td>0.165909</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>50%</th>\n",
       "      <td>13531.000000</td>\n",
       "      <td>130000.000000</td>\n",
       "      <td>35.000000</td>\n",
       "      <td>1727.000000</td>\n",
       "      <td>1516.000000</td>\n",
       "      <td>1300.000000</td>\n",
       "      <td>1430.000000</td>\n",
       "      <td>1072.000000</td>\n",
       "      <td>1060.000000</td>\n",
       "      <td>896.000000</td>\n",
       "      <td>526.000000</td>\n",
       "      <td>318.000000</td>\n",
       "      <td>390.000000</td>\n",
       "      <td>390.000000</td>\n",
       "      <td>390.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>1072.610025</td>\n",
       "      <td>0.261236</td>\n",
       "      <td>0.194743</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>75%</th>\n",
       "      <td>20920.500000</td>\n",
       "      <td>235000.000000</td>\n",
       "      <td>44.000000</td>\n",
       "      <td>12399.000000</td>\n",
       "      <td>14646.000000</td>\n",
       "      <td>15993.000000</td>\n",
       "      <td>17049.500000</td>\n",
       "      <td>17728.000000</td>\n",
       "      <td>15733.500000</td>\n",
       "      <td>2284.000000</td>\n",
       "      <td>2000.000000</td>\n",
       "      <td>1273.000000</td>\n",
       "      <td>1108.000000</td>\n",
       "      <td>1000.000000</td>\n",
       "      <td>1500.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>2557.592732</td>\n",
       "      <td>0.302298</td>\n",
       "      <td>0.225916</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>max</th>\n",
       "      <td>29951.000000</td>\n",
       "      <td>680000.000000</td>\n",
       "      <td>67.000000</td>\n",
       "      <td>568532.000000</td>\n",
       "      <td>577681.000000</td>\n",
       "      <td>577957.000000</td>\n",
       "      <td>565669.000000</td>\n",
       "      <td>524315.000000</td>\n",
       "      <td>476846.000000</td>\n",
       "      <td>100082.000000</td>\n",
       "      <td>200000.000000</td>\n",
       "      <td>80167.000000</td>\n",
       "      <td>135000.000000</td>\n",
       "      <td>162000.000000</td>\n",
       "      <td>443001.000000</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>184306.178369</td>\n",
       "      <td>0.529573</td>\n",
       "      <td>0.528843</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "                 ID      LIMIT_BAL         AGE      BILL_AMT1      BILL_AMT2  \\\n",
       "count    387.000000     387.000000  387.000000     387.000000     387.000000   \n",
       "mean   14074.307494  158010.335917   36.741602   24316.416021   24700.674419   \n",
       "std     8475.155425  139110.497314   10.381101   70201.456042   69611.284225   \n",
       "min       78.000000   10000.000000   21.000000   -1580.000000   -5978.000000   \n",
       "25%     7060.000000   40000.000000   29.000000     131.500000     190.500000   \n",
       "50%    13531.000000  130000.000000   35.000000    1727.000000    1516.000000   \n",
       "75%    20920.500000  235000.000000   44.000000   12399.000000   14646.000000   \n",
       "max    29951.000000  680000.000000   67.000000  568532.000000  577681.000000   \n",
       "\n",
       "           BILL_AMT3      BILL_AMT4      BILL_AMT5      BILL_AMT6  \\\n",
       "count     387.000000     387.000000     387.000000     387.000000   \n",
       "mean    25600.105943   24657.000000   22654.297158   20100.162791   \n",
       "std     70450.914928   67177.658606   60073.067598   53222.300942   \n",
       "min     -2400.000000   -1580.000000   -1773.000000   -2303.000000   \n",
       "25%       281.000000     117.000000     102.000000       0.000000   \n",
       "50%      1300.000000    1430.000000    1072.000000    1060.000000   \n",
       "75%     15993.000000   17049.500000   17728.000000   15733.500000   \n",
       "max    577957.000000  565669.000000  524315.000000  476846.000000   \n",
       "\n",
       "            PAY_AMT1       PAY_AMT2      PAY_AMT3       PAY_AMT4  \\\n",
       "count     387.000000     387.000000    387.000000     387.000000   \n",
       "mean     2776.273902    2930.260982   1822.436693    2021.971576   \n",
       "std      8628.703418   12493.251481   6093.907597    8385.120506   \n",
       "min         0.000000       0.000000      0.000000       0.000000   \n",
       "25%         0.000000       0.000000      0.000000       0.000000   \n",
       "50%       896.000000     526.000000    318.000000     390.000000   \n",
       "75%      2284.000000    2000.000000   1273.000000    1108.000000   \n",
       "max    100082.000000  200000.000000  80167.000000  135000.000000   \n",
       "\n",
       "            PAY_AMT5       PAY_AMT6  DEFAULT_NEXT_MONTH       bill_std  \\\n",
       "count     387.000000     387.000000          387.000000     387.000000   \n",
       "mean     1840.865633    5164.028424            0.069767    5190.572204   \n",
       "std      9212.506376   35502.730094            0.255084   15358.965587   \n",
       "min         0.000000       0.000000            0.000000       0.000000   \n",
       "25%         0.000000       0.000000            0.000000     192.360136   \n",
       "50%       390.000000     390.000000            0.000000    1072.610025   \n",
       "75%      1000.000000    1500.000000            0.000000    2557.592732   \n",
       "max    162000.000000  443001.000000            1.000000  184306.178369   \n",
       "\n",
       "       p_gbm_DEFAULT_NEXT_MONTH  p_glm_DEFAULT_NEXT_MONTH  gbm_DECISION  \\\n",
       "count                387.000000                387.000000    387.000000   \n",
       "mean                   0.277158                  0.193844      0.930233   \n",
       "std                    0.060774                  0.050228      0.255084   \n",
       "min                    0.127516                  0.025709      0.000000   \n",
       "25%                    0.238541                  0.165909      1.000000   \n",
       "50%                    0.261236                  0.194743      1.000000   \n",
       "75%                    0.302298                  0.225916      1.000000   \n",
       "max                    0.529573                  0.528843      1.000000   \n",
       "\n",
       "       glm_DECISION  gbm_WRONG  glm_WRONG  \n",
       "count    387.000000      387.0      387.0  \n",
       "mean       0.069767        1.0        0.0  \n",
       "std        0.255084        0.0        0.0  \n",
       "min        0.000000        1.0        0.0  \n",
       "25%        0.000000        1.0        0.0  \n",
       "50%        0.000000        1.0        0.0  \n",
       "75%        0.000000        1.0        0.0  \n",
       "max        1.000000        1.0        0.0  "
      ]
     },
     "execution_count": 33,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "gbm_wrong.describe()"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "If this group of people can be isolated, either by descriptive statistics, or by more sophisticated means, the training process could be adapted to fix these errors or another model could be used at scoring time to create more accurate predictions. Even if a group cannot be isolated, the two different model predictions could potentially be blended in this range of predicted probabilities."
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "#### Shutdown H2O"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 34,
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Are you sure you want to shutdown the H2O instance running at http://localhost:54321 (Y/N)? y\n",
      "H2O session _sid_abf7 closed.\n"
     ]
    }
   ],
   "source": [
    "# be careful, this can erase your work!\n",
    "h2o.cluster().shutdown(prompt=True)"
   ]
  }
 ],
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   "codemirror_mode": {
    "name": "ipython",
    "version": 3
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   "name": "python",
   "nbconvert_exporter": "python",
   "pygments_lexer": "ipython3",
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