请参考照片哈~1-4题请参考写在纸上的答案，第3题的normal plot我也画了个准确的图，第5题我没写在纸上，但有两个图是correlation和regression的结果，结果显示的是high income, employed status are associated with higher default probability, which is quite surprising as normally if one is employed or has high income, then it should be more unlikely for him to default as he has more money to repay. One reason for this could be only high income and employed people can obtain loan, so there is no chance for low income and unemployed people to default because they cannot obtain a loan at the firs place. Another possibility is that high income people has a higher amount of loan so it makes them harder to repay, which results in higher default probability.

我看了下题目，我可以做，今明两天吧，把答案给你

兄弟，没想到还是你，能否私信给个联系方式

我看到你给我发的邀请了，就来看下

请参考照片哈~1-4题请参考写在纸上的答案，第3题的normal plot我也画了个准确的图，第5题我没写在纸上，但有两个图是correlation和regression的结果，结果显示的是high income, employed status are associated with higher default probability, which is quite surprising as normally if one is employed or has high income, then it should be more unlikely for him to default as he has more money to repay. One reason for this could be only high income and employed people can obtain loan, so there is no chance for low income and unemployed people to default because they cannot obtain a loan at the firs place. Another possibility is that high income people has a higher amount of loan so it makes them harder to repay, which results in higher default probability.