A PPE N D IX A

A.1 Data Set 1—North Valley Real Estate Data

Variables
Record = Property identification number
Agent = Name of the real estate agent assigned to the property
Price = Market price in dollars
Size = Livable square feet of the property
Bedrooms = Number of bedrooms
Baths = Number of bathrooms
Pool = Does the home have a pool? (1 = yes, 0 = no)
Garage = Does the home have an attached garage (1 = yes, 0 = no)
Days = Number of days of the property on the market
Township = Area where the property is located
Mortgage type = Fixed or adjustable. The fixed mortgage is a 30 year, fixed interest
rate loan. The adjustable rate loan begins with an introductory interest rate of 3%
for the first five years, then the interest rate is based on the current interest rates
plus 1% (i.e. the interest rate AND the payment is likely to change each year after
the 5th year)
Years = the number of years that the mortgage loan has been paid
FICO = the credit score of the mortgage loan holder. The highest score is 850; an
average score is 680, a low score is below 680. The score reflects a person’s ability
to pay their debts.
Default = Is the mortgage loan in default? (1 = yes, 0 = no)

Pool Garage Mortgage Default

Record Agent Price Size Bedrooms Baths (Yes is 1) (Yes is 1) Days Township type Years FICO (Yes is 1)
1 Marty 206424 1820 2 1.5 1 1 33 2 Fixed 2 824 0
2 Rose 346150 3010 3 2 0 0 36 4 Fixed 9 820 0
3 Carter 372360 3210 4 3 0 1 21 2 Fixed 18 819 0
4 Peterson 310622 3330 3 2.5 1 0 26 3 Fixed 17 817 0
5 Carter 496100 4510 6 4.5 0 1 13 4 Fixed 17 816 0
6 Peterson 294086 3440 4 3 1 1 31 4 Fixed 19 813 0
7 Carter 228810 2630 4 2.5 0 1 39 4 Adjustable 10 813 0
8 Isaacs 384420 4470 5 3.5 0 1 26 2 Fixed 6 812 0
9 Peterson 416120 4040 5 3.5 0 1 26 4 Fixed 3 810 0
10 Isaacs 487494 4380 6 4 1 1 32 3 Fixed 6 808 0
11 Rose 448800 5280 6 4 0 1 35 4 Fixed 8 806 1
12 Peterson 388960 4420 4 3 0 1 50 2 Adjustable 9 805 1
13 Marty 335610 2970 3 2.5 0 1 25 3 Adjustable 9 801 1
14 Rose 276000 2300 2 1.5 0 0 34 1 Fixed 20 798 0
15 Rose 346421 2970 4 3 1 1 17 3 Adjustable 10 795 0
16 Isaacs 453913 3660 6 4 1 1 12 3 Fixed 18 792 0
17 Carter 376146 3290 5 3.5 1 1 28 2 Adjustable 9 792 1
18 Peterson 694430 5900 5 3.5 1 1 36 3 Adjustable 10 788 0
19 Rose 251269 2050 3 2 1 1 38 3 Fixed 16 786 0
20 Rose 547596 4920 6 4.5 1 1 37 5 Fixed 2 785 0
21 Marty 214910 1950 2 1.5 1 0 20 4 Fixed 6 784 0
22 Rose 188799 1950 2 1.5 1 0 52 1 Fixed 10 782 0
23 Carter 459950 4680 4 3 1 1 31 4 Fixed 8 781 0
24 Isaacs 264160 2540 3 2.5 0 1 40 1 Fixed 18 780 0
25 Carter 393557 3180 4 3 1 1 54 1 Fixed 20 776 0
26 Isaacs 478675 4660 5 3.5 1 1 26 5 Adjustable 9 773 0
27 Carter 384020 4220 5 3.5 0 1 23 4 Adjustable 9 772 1
28 Marty 313200 3600 4 3 0 1 31 3 Fixed 19 772 0
29 Isaacs 274482 2990 3 2 1 0 37 3 Fixed 5 769 0
30 Marty 167962 1920 2 1.5 1 1 31 5 Fixed 6 769 0
(continued)

746
A.1 Data Set 1—North Valley Real Estate Data (continued)

Pool Garage Mortgage Default

Record Agent Price Size Bedrooms Baths (Yes is 1) (Yes is 1) Days Township type Years FICO (Yes is 1)
31 Isaacs 175823 1970 2 1.5 1 0 28 5 Adjustable 9 766 1
32 Isaacs 226498 2520 4 3 1 1 28 3 Fixed 8 763 1
33 Carter 316827 3150 4 3 1 1 22 4 Fixed 2 759 1
34 Carter 189984 1550 2 1.5 1 0 22 2 Fixed 17 758 0
35 Marty 366350 3090 3 2 1 1 23 3 Fixed 5 754 1
36 Isaacs 416160 4080 4 3 0 1 25 4 Fixed 12 753 0
37 Isaacs 308000 3500 4 3 0 1 37 2 Fixed 18 752 0
38 Rose 294357 2620 4 3 1 1 15 4 Fixed 10 751 0
39 Carter 337144 2790 4 3 1 1 19 3 Fixed 15 749 0
40 Peterson 299730 2910 3 2 0 0 31 2 Fixed 13 748 0
41 Rose 445740 4370 4 3 0 1 19 3 Fixed 5 746 0
42 Rose 410592 4200 4 3 1 1 27 1 Adjustable 9 741 1
43 Peterson 667732 5570 5 3.5 1 1 29 5 Fixed 4 740 0
44 Rose 523584 5050 6 4 1 1 19 5 Adjustable 10 739 0
45 Marty 336000 3360 3 2 0 0 32 3 Fixed 6 737 0
46 Marty 202598 2270 3 2 1 0 28 1 Fixed 10 737 0
47 Marty 326695 2830 3 2.5 1 0 30 4 Fixed 8 736 0
48 Rose 321320 2770 3 2 0 1 23 4 Fixed 6 736 0
49 Isaacs 246820 2870 4 3 0 1 27 5 Fixed 13 735 0
50 Isaacs 546084 5910 6 4 1 1 35 5 Adjustable 10 731 0
51 Isaacs 793084 6800 8 5.5 1 1 27 4 Fixed 6 729 0
52 Isaacs 174528 1600 2 1.5 1 0 39 2 Fixed 15 728 0
53 Peterson 392554 3970 4 3 1 1 30 4 Fixed 17 726 0
54 Peterson 263160 3060 3 2 0 1 26 3 Fixed 10 726 0
55 Rose 237120 1900 2 1.5 1 0 14 3 Fixed 18 723 0
56 Carter 225750 2150 2 1.5 1 1 27 2 Fixed 15 715 0
57 Isaacs 848420 7190 6 4 0 1 49 1 Fixed 5 710 0
58 Carter 371956 3110 5 3.5 1 1 29 5 Fixed 8 710 0
59 Carter 404538 3290 5 3.5 1 1 24 2 Fixed 14 707 0
60 Rose 250090 2810 4 3 0 1 18 5 Fixed 11 704 0
61 Peterson 369978 3830 4 2.5 1 1 27 4 Fixed 10 703 0
62 Peterson 209292 1630 2 1.5 1 0 18 3 Fixed 10 701 0
63 Isaacs 190032 1850 2 1.5 1 1 30 4 Adjustable 2 675 0
64 Isaacs 216720 2520 3 2.5 0 0 2 4 Adjustable 5 674 1
65 Marty 323417 3220 4 3 1 1 22 4 Adjustable 2 673 0
66 Isaacs 316210 3070 3 2 0 0 30 1 Adjustable 1 673 0
67 Peterson 226054 2090 2 1.5 1 1 28 1 Adjustable 6 670 0
68 Marty 183920 2090 3 2 0 0 30 2 Adjustable 8 669 1
69 Rose 248400 2300 3 2.5 1 1 50 2 Adjustable 4 667 0
70 Isaacs 466560 5760 5 3.5 0 1 42 4 Adjustable 3 665 0
71 Rose 667212 6110 6 4 1 1 21 3 Adjustable 8 662 1
72 Peterson 362710 4370 4 2.5 0 1 24 1 Adjustable 2 656 0
73 Rose 265440 3160 5 3.5 1 1 22 5 Adjustable 3 653 0
74 Rose 706596 6600 7 5 1 1 40 3 Adjustable 7 652 1
75 Marty 293700 3300 3 2 0 0 14 4 Adjustable 7 647 1
76 Marty 199448 2330 2 1.5 1 1 25 3 Adjustable 5 644 1
77 Carter 369533 4230 4 3 1 1 32 2 Adjustable 2 642 0
78 Marty 230121 2030 2 1.5 1 0 21 2 Adjustable 3 639 0
79 Marty 169000 1690 2 1.5 0 0 20 1 Adjustable 7 639 1
80 Peterson 190291 2040 2 1.5 1 1 31 4 Adjustable 6 631 1
81 Rose 393584 4660 4 3 1 1 34 3 Adjustable 7 630 1
82 Marty 363792 2860 3 2.5 1 1 48 5 Adjustable 3 626 0
83 Carter 360960 3840 6 4.5 0 1 32 2 Adjustable 5 626 1
84 Carter 310877 3180 3 2 1 1 40 1 Adjustable 6 624 1
85 Peterson 919480 7670 8 5.5 1 1 30 4 Adjustable 1 623 0
86 Carter 392904 3400 3 2 1 0 40 2 Adjustable 8 618 1
87 Carter 200928 1840 2 1.5 1 1 36 4 Adjustable 3 618 1
(continued)

747
A.1 Data Set 1—North Valley Real Estate Data (concluded)

Pool Garage Mortgage Default

Record Agent Price Size Bedrooms Baths (Yes is 1) (Yes is 1) Days Township type Years FICO (Yes is 1)
88 Carter 537900 4890 6 4 0 1 23 1 Adjustable 7 614 0
89 Rose 258120 2390 3 2.5 0 1 23 1 Adjustable 6 614 1
90 Carter 558342 6160 6 4 1 1 24 3 Adjustable 7 613 0
91 Marty 302720 3440 4 2.5 0 1 38 3 Adjustable 3 609 1
92 Isaacs 240115 2220 2 1.5 1 0 39 5 Adjustable 1 609 0
93 Carter 793656 6530 7 5 1 1 53 4 Adjustable 3 605 1
94 Peterson 218862 1930 2 1.5 1 0 58 4 Adjustable 1 604 0
95 Peterson 383081 3510 3 2 1 1 27 2 Adjustable 6 601 1
96 Marty 351520 3380 3 2 0 1 35 2 Adjustable 8 599 1
97 Peterson 841491 7030 6 4 1 1 50 4 Adjustable 8 596 1
98 Marty 336300 2850 3 2.5 0 0 28 1 Adjustable 6 595 1
99 Isaacs 312863 3750 6 4 1 1 12 4 Adjustable 2 595 0
100 Carter 275033 3060 3 2 1 1 27 3 Adjustable 3 593 0
101 Peterson 229990 2110 2 1.5 0 0 37 3 Adjustable 6 591 1
102 Isaacs 195257 2130 2 1.5 1 0 11 5 Adjustable 8 591 1
103 Marty 194238 1650 2 1.5 1 1 30 2 Adjustable 7 590 1
104 Peterson 348528 2740 4 3 1 1 27 5 Adjustable 3 584 1
105 Peterson 241920 2240 2 1.5 0 1 34 5 Adjustable 8 583 1

748
A.2 Data Set 2—Baseball Statistics, 2015 Season

Variables
Team = Team’s name
League = American or National League
Year Opened = First year the team’s stadium was used
Team Salary = Total team salary expressed in millions of dollars
Attendance = Total number of people attending regular season games
Wins = Number of regular season games won
ERA = Team earned run average
BA = Team batting average
HR = Team home runs
Year = Year of operation
Average salary = Average annual player salary in dollars

Team League Year Opened Team Salary Attendance Wins ERA BA HR

Arizona National 1998 65.80 2,080,145 79 4.04 0.264 154
Atlanta National 1996 89.60 2,001,392 67 4.41 0.251 100
Baltimore American 1992 118.90 2,281,202 81 4.05 0.250 217
Boston American 1912 168.70 2,880,694 78 4.31 0.265 161
Chicago Cubs National 1914 117.20 2,959,812 97 3.36 0.244 171
Chicago Sox American 1991 110.70 1,755,810 76 3.98 0.250 136
Cincinnati National 2003 117.70 2,419,506 64 4.33 0.248 167
Cleveland American 1994 87.70 1,388,905 81 3.67 0.256 141
Colorado National 1995 98.30 2,506,789 68 5.04 0.265 186
Detroit American 2000 172.80 2,726,048 74 4.64 0.270 151
Houston American 2000 69.10 2,153,585 86 3.57 0.250 230
Kansas City American 1973 112.90 2,708,549 95 3.73 0.269 139
LA Angels American 1966 146.40 3,012,765 85 3.94 0.246 176
LA Dodgers National 1962 230.40 3,764,815 92 3.44 0.250 187
Miami National 2012 84.60 1,752,235 71 4.02 0.260 120
Milwaukee National 2001 98.70 2,542,558 68 4.28 0.251 145
Minnesota American 2010 108.30 2,220,054 83 4.07 0.247 156
NY Mets National 2009 100.10 2,569,753 90 3.43 0.244 177
NY Yankees American 2009 213.50 3,193,795 87 4.05 0.251 212
Oakland American 1966 80.80 1,768,175 68 4.14 0.251 146
Philadelphia National 2004 133.00 1,831,080 63 4.69 0.249 130
Pittsburgh National 2001 85.90 2,498,596 98 3.21 0.260 140
San Diego National 2004 126.60 2,459,742 74 4.09 0.243 148
San Francisco National 2000 166.50 3,375,882 84 3.72 0.267 136
Seattle American 1999 123.20 2,193,581 76 4.16 0.249 198
St. Louis National 2006 120.30 3,520,889 100 2.94 0.253 137
Tampa Bay American 1990 74.80 1,287,054 80 3.74 0.252 167
Texas American 1994 144.80 2,491,875 88 4.24 0.257 172
Toronto American 1989 116.40 2,794,891 93 3.8 0.269 232
Washington National 2008 174.50 2,619,843 83 3.62 0.251 177
(continued)

749
A.2 Data Set 2—Baseball Statistics, 2015 Season (concluded)

Year Average salary

2000 1,988,034
2001 2,264,403
2002 2,383,235
2003 2,555,476
2004 2,486,609
2005 2,632,655
2006 2,866,544
2007 2,944,556
2008 3,154,845
2009 3,240,206
2010 3,297,828
2011 3,305,393
2012 3,440,000
2013 3,650,000
2014 3,950,000
2015 4,250,000

750
A.3 Data Set 3—Lincolnville School District Bus Data

Variables
ID = Bus identification number
Manufacturer = Source of the bus (Bluebird, Keiser, or Thompson)
Engine type = If the engine is diesel then engine type = 0; if the engine is gasoline,
then engine type = 1)
Capacity = number of seats on the bus
Maintenance cost = dollars spent to maintain a bus last year
Age = number of years since the bus left the manufacturer
Odometer Miles = total number of miles traveled by a bus
Miles = number of miles traveled since last maintenance

Engine Type Maintenance Odometer

ID Manufacturer (0=diesel) Capacity cost Age Miles Miles
10 Keiser 1 14 4646  5 54375 11973
396 Thompson 0 14 1072  2 21858 11969
122 Bluebird 1 55 9394 10 116580 11967
751 Keiser 0 14 1078  2 22444 11948
279 Bluebird 0 55 1008  2 22672 11925
500 Bluebird 1 55 5329  5 50765 11922
520 Bluebird 0 55 4794 10 119130 11896
759 Keiser 0 55 3952  8 87872 11883
714 Bluebird 0 42 3742  7 73703 11837
875 Bluebird 0 55 4376  9 97947 11814
600 Bluebird 0 55 4832 10 119860 11800
953 Bluebird 0 55 5160 10 117700 11798
101 Bluebird 0 55 1955  4 41096 11789
358 Bluebird 0 55 2775  6 70086 11782
29 Bluebird 1 55 5352  6 69438 11781
365 Keiser 0 55 3065  6 63384 11778
162 Keiser 1 55 3143  3 31266 11758
686 Bluebird 0 55 1569  3 34674 11757
370 Keiser 1 55 7766  8 86528 11707
887 Bluebird 0 55 3743  8 93672 11704
464 Bluebird 1 55 2540  3 34530 11698
948 Keiser 0 42 4342  9 97956 11691
678 Keiser 0 55 3361  7 75229 11668
481 Keiser 1  6 3097  3 34362 11662
43 Bluebird 1 55 8263  9 102969 11615
704 Bluebird 0 55 4218  8 83424 11610
814 Bluebird 0 55 2028  4 40824 11576
39 Bluebird 1 55 5821  6 69444 11533
699 Bluebird 1 55 9069  9 98307 11518
75 Bluebird 0 55 3011  6 71970 11462
693 Keiser 1 55 9193   9 101889 11461
989 Keiser 0 55 4795   9 106605 11418
982 Bluebird 0 55 505   1 10276 11359
321 Bluebird 0 42 2732  6 70122 11358
724 Keiser 0 42 3754  8 91968 11344
732 Keiser 0 42 4640   9 101196 11342
880 Keiser 1 55 8410  9 97065 11336
193 Thompson 0 14 5922 11 128711 11248
884 Bluebird 0 55 4364  9 92457 11231
57 Bluebird 0 55 3190  7 79240 11222
731 Bluebird 0 42 3213  6 68526 11168
61 Keiser 0 55 4139  9 103536 11148
(continued)

751
A.3 Data Set 3—Lincolnville School District Bus Data (concluded)

Engine Type Maintenance Odometer

ID Manufacturer (0=diesel) Capacity cost Age Miles Miles
135 Bluebird 0 55 3560  7 76426 11127
833 Thompson 0 14 3920  8 90968 11112
671 Thompson 1 14 6733  8 89792 11100
692 Bluebird 0 55 3770  8 93248 11048
200 Bluebird 0 55 5168 10 103700 11018
754 Keiser 0 14 7380 14 146860 11003
540 Bluebird 1 55 3656  4 45284 10945
660 Bluebird 1 55 6213  6 64434 10911
353 Keiser 1 55 4279  4 45744 10902
482 Bluebird 1 55 10575 10 116534 10802
398 Thompson 0  6 4752  9 95922 10802
984 Bluebird 0 55 3809  8 87664 10760
977 Bluebird 0 55 3769  7 79422 10759
705 Keiser 0 42 2152  4 47596 10755
767 Keiser 0 55 2985  6 71538 10726
326 Bluebird 0 55 4563   9 107343 10724
120 Keiser 0 42 4723 10 110320 10674
554 Bluebird 0 42 1826  4 44604 10662
695 Bluebird 0 55 1061  2 23152 10633
  9 Keiser 1 55 3527  4 46848 10591
861 Bluebird 1 55 9669 10 106040 10551
603 Keiser 0 14 2116  4 44384 10518
156 Thompson 0 14 6212 12 140460 10473
427 Keiser 1 55 6927  7 73423 10355
883 Bluebird 1 55 1881  2 20742 10344
168 Thompson 1 14 7004  7 83006 10315
954 Bluebird 0 42 5284 10 101000 10235
768 Bluebird 0 42 3173  7 71778 10227
490 Bluebird 1 55 10133 10 106240 10210
725 Bluebird 0 55 2356  5 57065 10209
45 Keiser 0 55 3124  6 60102 10167
38 Keiser 1 14 5976  6 61662 10140
314 Thompson 0   6 5408 11 128117 10128
507 Bluebird 0 55 3690  7 72849 10095
40 Bluebird 1 55 9573 10 118470 10081
918 Bluebird 0 55 2470  5 53620 10075
387 Bluebird 1 55 6863  8 89960 10055
418 Bluebird 0 55 4513   9 104715 10000

752
A.4 Data Set 4—Applewood Auto Group

Age = the age of the buyer at the time of the purchase

Profit = the amount earned by the dealership on the sale of each vehicle
Location = the dealership where the vehicle was purchased
Vehicle type = SUV, sedan, compact, hybrid, or truck
Previous = the number of vehicles previously purchased at any of the four
­Applewood dealerships by the customer

Age Profit Location Vehicle-Type Previous Age Profit Location Vehicle-Type Previous
21 $1,387 Tionesta Sedan 0 40 1,509 Kane SUV 2
23 1,754 Sheffield SUV 1 40 1,638 Sheffield Sedan 0
24 1,817 Sheffield Hybrid 1 40 1,961 Sheffield Sedan 1
25 1,040 Sheffield Compact 0 40 2,127 Olean Truck 0
26 1,273 Kane Sedan 1 40 2,430 Tionesta Sedan 1
27 1,529 Sheffield Sedan 1 41 1,704 Sheffield Sedan 1
27 3,082 Kane Truck 0 41 1,876 Kane Sedan 2
28 1,951 Kane SUV 1 41 2,010 Tionesta Sedan 1
28 2,692 Tionesta Compact 0 41 2,165 Tionesta SUV 0
29 1,206 Sheffield Sedan 0 41 2,231 Tionesta SUV 2
29 1,342 Kane Sedan 2 41 2,389 Kane Truck 1
30 443 Kane Sedan 3 42 335 Olean SUV 1
30 754 Olean Sedan 2 42 963 Kane Sedan 0
30 1,621 Sheffield Truck 1 42 1,298 Tionesta Sedan 1
31 870 Tionesta Sedan 1 42 1,410 Kane SUV 2
31 1,174 Kane Truck 0 42 1,553 Tionesta Compact 0
31 1,412 Sheffield Sedan 1 42 1,648 Olean SUV 0
31 1,809 Tionesta Sedan 1 42 2,071 Kane SUV 0
31 2,415 Kane Sedan 0 42 2,116 Kane Compact 2
32 1,546 Sheffield Truck 3 43 1,500 Tionesta Sedan 0
32 2,148 Tionesta SUV 2 43 1,549 Kane SUV 2
32 2,207 Sheffield Compact 0 43 2,348 Tionesta Sedan 0
32 2,252 Tionesta SUV 0 43 2,498 Tionesta SUV 1
33 1,428 Kane SUV 2 44 294 Kane SUV 1
33 1,889 Olean SUV 1 44 1,115 Kane Truck 0
34 1,166 Olean Sedan 1 44 1,124 Tionesta Compact 2
34 1,320 Tionesta Sedan 1 44 1,532 Tionesta SUV 3
34 2,265 Olean Sedan 0 44 1,688 Kane Sedan 4
35 1,323 Olean Sedan 2 44 1,822 Kane SUV 0
35 1,761 Kane Sedan 1 44 1,897 Sheffield Compact 0
35 1,919 Tionesta SUV 1 44 2,445 Kane SUV 0
36 2,357 Kane SUV 2 44 2,886 Olean SUV 1
36 2,866 Kane Sedan 1 45 820 Kane Compact 1
37 732 Olean SUV 1 45 1,266 Olean Sedan 0
37 1,464 Olean Sedan 3 45 1,741 Olean Compact 2
37 1,626 Tionesta Compact 4 45 1,772 Olean Compact 1
37 1,761 Olean SUV 1 45 1,932 Tionesta Sedan 1
37 1,915 Tionesta SUV 2 45 2,350 Sheffield Compact 0
37 2,119 Kane Hybrid 1 45 2,422 Kane Sedan 1
38 1,766 Sheffield SUV 0 45 2,446 Olean Compact 1
38 2,201 Sheffield Truck 2 46 369 Olean Sedan 1
39 996 Kane Compact 2 46 978 Kane Sedan 1
39 2,813 Tionesta SUV 0 46 1,238 Sheffield Compact 1
40 323 Kane Sedan 0 46 1,818 Kane SUV 0
40 352 Sheffield Compact 0 46 1,824 Olean Truck 0
40 482 Olean Sedan 1 46 1,907 Olean Sedan 0
40 1,144 Tionesta Truck 0 46 1,938 Kane Sedan 0
40 1,485 Sheffield Compact 0 46 1,940 Kane Truck 3
(continued)

753
A.4 Data Set 4—Applewood Auto Group (concluded)

Age Profit Location Vehicle-Type Previous Age Profit Location Vehicle-Type Previous
46 2,197 Sheffield Sedan 1 53 2,175 Olean Sedan 1
46 2,646 Tionesta Sedan 2 54 1,118 Sheffield Compact 1
47 1,461 Kane Sedan 0 54 2,584 Olean Compact 2
47 1,731 Tionesta Compact 0 54 2,666 Tionesta Truck 0
47 2,230 Tionesta Sedan 1 54 2,991 Tionesta SUV 0
47 2,341 Sheffield SUV 1 55 934 Sheffield Truck 1
47 3,292 Olean Sedan 2 55 2,063 Kane SUV 1
48 1,108 Sheffield Sedan 1 55 2,083 Sheffield Sedan 1
48 1,295 Sheffield SUV 1 55 2,856 Olean Hybrid 1
48 1,344 Sheffield SUV 0 55 2,989 Tionesta Compact 1
48 1,906 Kane Sedan 1 56 910 Sheffield SUV 0
48 1,952 Tionesta Compact 1 56 1,536 Kane SUV 0
48 2,070 Kane SUV 1 56 1,957 Sheffield SUV 1
48 2,454 Kane Sedan 1 56 2,240 Olean Sedan 0
49 1,606 Olean Compact 0 56 2,695 Kane Sedan 2
49 1,680 Kane SUV 3 57 1,325 Olean Sedan 1
49 1,827 Tionesta Truck 3 57 2,250 Sheffield Sedan 2
49 1,915 Tionesta SUV 1 57 2,279 Sheffield Hybrid 1
49 2,084 Tionesta Sedan 0 57 2,626 Sheffield Sedan 2
49 2,639 Sheffield SUV 0 58 1,501 Sheffield Hybrid 1
50 842 Kane SUV 0 58 1,752 Kane Sedan 3
50 1,963 Sheffield Sedan 1 58 2,058 Kane SUV 1
50 2,059 Sheffield Sedan 1 58 2,370 Tionesta Compact 0
50 2,338 Tionesta SUV 0 58 2,637 Sheffield SUV 1
50 3,043 Kane Sedan 0 59 1,426 Sheffield Sedan 0
51 1,059 Kane SUV 1 59 2,944 Olean SUV 2
51 1,674 Sheffield Sedan 1 60 2,147 Olean Compact 2
51 1,807 Tionesta Sedan 1 61 1,973 Kane SUV 3
51 2,056 Sheffield Hybrid 0 61 2,502 Olean Sedan 0
51 2,236 Tionesta SUV 2 62 783 Sheffield Hybrid 1
51 2,928 Kane SUV 0 62 1,538 Olean Truck 1
52 1,269 Tionesta Sedan 1 63 2,339 Olean Compact 1
52 1,717 Sheffield SUV 3 64 2,700 Kane Truck 0
52 1,797 Kane Sedan 1 65 2,222 Kane Truck 1
52 1,955 Olean Hybrid 2 65 2,597 Sheffield Truck 0
52 2,199 Tionesta SUV 0 65 2,742 Tionesta SUV 2
52 2,482 Olean Compact 0 68 1,837 Sheffield Sedan 1
52 2,701 Sheffield SUV 0 69 2,842 Kane SUV 0
52 3,210 Olean Truck 4 70 2,434 Olean Sedan 4
53 377 Olean SUV 1 72 1,640 Olean Sedan 1
53 1,220 Olean Sedan 0 72 1,821 Tionesta SUV 1
53 1,401 Tionesta SUV 2 73 2,487 Olean Compact 4

754
A.5 Banking Data Set—Century National Bank Case

Balance = Account balance in $

ATM = Number of ATM transactions in the month
Services = Number of other bank services used
Debit = Account has a debit card (1 = yes, 0 = no)
Interest = Receives interest on the account (1 = yes, 0 = no)
City = City where banking is done
60 Accounts

Balance ATM Services Debit Interest City Balance ATM Services Debit Interest City
1,756 13 4 0 1 2 1,958 6 2 1 0 2
748 9 2 1 0 1 634 2 7 1 0 4
1,501 10 1 0 0 1 580 4 1 0 0 1
1,831 10 4 0 1 3 1,320 4 5 1 0 1
1,622 14 6 0 1 4 1,675 6 7 1 0 2

1,886 17 3 0 1 1 789 8 4 0 0 4
740 6 3 0 0 3 1,735 12 7 0 1 3
1,593 10 8 1 0 1 1,784 11 5 0 0 1
1,169 6 4 0 0 4 1,326 16 8 0 0 3
2,125 18 6 0 0 2 2,051 14 4 1 0 4

1,554 12 6 1 0 3 1,044 7 5 1 0 1
1,474 12 7 1 0 1 1,885 10 6 1 1 2
1,913 6 5 0 0 1 1,790 11 4 0 1 3
1,218 10 3 1 0 1 765 4 3 0 0 4
1,006 12 4 0 0 1 1,645 6 9 0 1 4

2,215 20 3 1 0 4 32 2 0 0 0 3
137 7 2 0 0 3 1,266 11 7 0 0 4
167 5 4 0 0 4 890 7 1 0 1 1
343 7 2 0 0 1 2,204 14 5 0 0 2
2,557 20 7 1 0 4 2,409 16 8 0 0 2

2,276 15 4 1 0 3 1,338 14 4 1 0 2
1,494 11 2 0 1 1 2,076 12 5 1 0 2
2,144 17 3 0 0 3 1,708 13 3 1 0 1
1,995 10 7 0 0 2 2,138 18 5 0 1 4
1,053 8 4 1 0 3 2,375 12 4 0 0 2
1,526 8 4 0 1 2 1,455 9 5 1 1 3
1,120 8 6 1 0 3 1,487 8 4 1 0 4
1,838 7 5 1 1 3 1,125 6 4 1 0 2
1,746 11 2 0 0 2 1,989 12 3 0 1 2
1,616 10 4 1 1 2 2,156 14 5 1 0 2

755