loan_default.dot

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2 -> 3 ;
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3 -> 4 ;
5 [label="fico <= 707.0\ngini = 0.293\nsamples = 28\nvalue = [23, 5]", fillcolor="#eb9c64"] ;
4 -> 5 ;
6 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
5 -> 6 ;
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5 -> 7 ;
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7 -> 8 ;
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8 -> 9 ;
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10 -> 11 ;
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10 -> 12 ;
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7 -> 13 ;
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13 -> 14 ;
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14 -> 15 ;
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15 -> 16 ;
17 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
15 -> 17 ;
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14 -> 18 ;
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18 -> 19 ;
20 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
19 -> 20 ;
21 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
19 -> 21 ;
22 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
18 -> 22 ;
23 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
13 -> 23 ;
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4 -> 24 ;
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24 -> 25 ;
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25 -> 26 ;
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27 -> 28 ;
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27 -> 29 ;
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29 -> 31 ;
32 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
26 -> 32 ;
33 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
25 -> 33 ;
34 [label="gini = 0.0\nsamples = 20\nvalue = [20, 0]", fillcolor="#e58139"] ;
24 -> 34 ;
35 [label="int.rate <= 0.077\ngini = 0.106\nsamples = 266\nvalue = [251, 15]", fillcolor="#e78945"] ;
3 -> 35 ;
36 [label="gini = 0.0\nsamples = 25\nvalue = [25, 0]", fillcolor="#e58139"] ;
35 -> 36 ;
37 [label="int.rate <= 0.078\ngini = 0.117\nsamples = 241\nvalue = [226, 15]", fillcolor="#e78946"] ;
35 -> 37 ;
38 [label="fico <= 744.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
37 -> 38 ;
39 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
38 -> 39 ;
40 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
38 -> 40 ;
41 [label="fico <= 719.5\ngini = 0.103\nsamples = 238\nvalue = [225, 13]", fillcolor="#e78844"] ;
37 -> 41 ;
42 [label="gini = 0.0\nsamples = 11\nvalue = [11, 0]", fillcolor="#e58139"] ;
41 -> 42 ;
43 [label="int.rate <= 0.079\ngini = 0.108\nsamples = 227\nvalue = [214, 13]", fillcolor="#e78945"] ;
41 -> 43 ;
44 [label="fico <= 739.5\ngini = 0.165\nsamples = 33\nvalue = [30, 3]", fillcolor="#e88e4d"] ;
43 -> 44 ;
45 [label="fico <= 734.5\ngini = 0.227\nsamples = 23\nvalue = [20, 3]", fillcolor="#e99457"] ;
44 -> 45 ;
46 [label="fico <= 724.5\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
45 -> 46 ;
47 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
46 -> 47 ;
48 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
46 -> 48 ;
49 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
45 -> 49 ;
50 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
44 -> 50 ;
51 [label="int.rate <= 0.084\ngini = 0.098\nsamples = 194\nvalue = [184, 10]", fillcolor="#e68844"] ;
43 -> 51 ;
52 [label="fico <= 744.5\ngini = 0.053\nsamples = 74\nvalue = [72, 2]", fillcolor="#e6843e"] ;
51 -> 52 ;
53 [label="int.rate <= 0.08\ngini = 0.034\nsamples = 57\nvalue = [56, 1]", fillcolor="#e5833d"] ;
52 -> 53 ;
54 [label="fico <= 739.5\ngini = 0.074\nsamples = 26\nvalue = [25, 1]", fillcolor="#e68641"] ;
53 -> 54 ;
55 [label="fico <= 734.5\ngini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
54 -> 55 ;
56 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
55 -> 56 ;
57 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
55 -> 57 ;
58 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
54 -> 58 ;
59 [label="gini = 0.0\nsamples = 31\nvalue = [31, 0]", fillcolor="#e58139"] ;
53 -> 59 ;
60 [label="int.rate <= 0.082\ngini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
52 -> 60 ;
61 [label="gini = 0.0\nsamples = 14\nvalue = [14, 0]", fillcolor="#e58139"] ;
60 -> 61 ;
62 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
60 -> 62 ;
63 [label="fico <= 744.5\ngini = 0.124\nsamples = 120\nvalue = [112, 8]", fillcolor="#e78a47"] ;
51 -> 63 ;
64 [label="int.rate <= 0.086\ngini = 0.108\nsamples = 105\nvalue = [99, 6]", fillcolor="#e78945"] ;
63 -> 64 ;
65 [label="fico <= 734.5\ngini = 0.126\nsamples = 74\nvalue = [69, 5]", fillcolor="#e78a47"] ;
64 -> 65 ;
66 [label="fico <= 729.5\ngini = 0.204\nsamples = 26\nvalue = [23, 3]", fillcolor="#e89153"] ;
65 -> 66 ;
67 [label="int.rate <= 0.085\ngini = 0.231\nsamples = 15\nvalue = [13, 2]", fillcolor="#e99457"] ;
66 -> 67 ;
68 [label="fico <= 724.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
67 -> 68 ;
69 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
68 -> 69 ;
70 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
68 -> 70 ;
71 [label="fico <= 724.5\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
67 -> 71 ;
72 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
71 -> 72 ;
73 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
71 -> 73 ;
74 [label="int.rate <= 0.085\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
66 -> 74 ;
75 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
74 -> 75 ;
76 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
74 -> 76 ;
77 [label="int.rate <= 0.085\ngini = 0.08\nsamples = 48\nvalue = [46, 2]", fillcolor="#e68642"] ;
65 -> 77 ;
78 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
77 -> 78 ;
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77 -> 79 ;
80 [label="gini = 0.1\nsamples = 19\nvalue = [18, 1]", fillcolor="#e68844"] ;
79 -> 80 ;
81 [label="gini = 0.095\nsamples = 20\nvalue = [19, 1]", fillcolor="#e68843"] ;
79 -> 81 ;
82 [label="fico <= 734.5\ngini = 0.062\nsamples = 31\nvalue = [30, 1]", fillcolor="#e68540"] ;
64 -> 82 ;
83 [label="gini = 0.0\nsamples = 23\nvalue = [23, 0]", fillcolor="#e58139"] ;
82 -> 83 ;
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82 -> 84 ;
85 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
84 -> 85 ;
86 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
84 -> 86 ;
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63 -> 87 ;
88 [label="gini = 0.26\nsamples = 13\nvalue = [11, 2]", fillcolor="#ea985d"] ;
87 -> 88 ;
89 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
87 -> 89 ;
90 [label="fico <= 704.5\ngini = 0.202\nsamples = 298\nvalue = [264, 34]", fillcolor="#e89152"] ;
2 -> 90 ;
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90 -> 91 ;
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90 -> 92 ;
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92 -> 93 ;
94 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
93 -> 94 ;
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93 -> 95 ;
96 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
95 -> 96 ;
97 [label="int.rate <= 0.093\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
95 -> 97 ;
98 [label="int.rate <= 0.091\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
97 -> 98 ;
99 [label="fico <= 709.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
98 -> 99 ;
100 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
99 -> 100 ;
101 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
99 -> 101 ;
102 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
98 -> 102 ;
103 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
97 -> 103 ;
104 [label="fico <= 719.5\ngini = 0.188\nsamples = 286\nvalue = [256, 30]", fillcolor="#e89050"] ;
92 -> 104 ;
105 [label="gini = 0.0\nsamples = 12\nvalue = [12, 0]", fillcolor="#e58139"] ;
104 -> 105 ;
106 [label="int.rate <= 0.091\ngini = 0.195\nsamples = 274\nvalue = [244, 30]", fillcolor="#e89051"] ;
104 -> 106 ;
107 [label="int.rate <= 0.09\ngini = 0.22\nsamples = 175\nvalue = [153, 22]", fillcolor="#e99355"] ;
106 -> 107 ;
108 [label="int.rate <= 0.09\ngini = 0.211\nsamples = 167\nvalue = [147, 20]", fillcolor="#e99254"] ;
107 -> 108 ;
109 [label="int.rate <= 0.088\ngini = 0.219\nsamples = 160\nvalue = [140, 20]", fillcolor="#e99355"] ;
108 -> 109 ;
110 [label="fico <= 732.0\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
109 -> 110 ;
111 [label="fico <= 724.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
110 -> 111 ;
112 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
111 -> 112 ;
113 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
111 -> 113 ;
114 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
110 -> 114 ;
115 [label="fico <= 744.5\ngini = 0.21\nsamples = 151\nvalue = [133, 18]", fillcolor="#e99254"] ;
109 -> 115 ;
116 [label="fico <= 734.5\ngini = 0.22\nsamples = 127\nvalue = [111, 16]", fillcolor="#e99356"] ;
115 -> 116 ;
117 [label="fico <= 724.5\ngini = 0.2\nsamples = 62\nvalue = [55, 7]", fillcolor="#e89152"] ;
116 -> 117 ;
118 [label="gini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
117 -> 118 ;
119 [label="fico <= 729.5\ngini = 0.187\nsamples = 48\nvalue = [43, 5]", fillcolor="#e89050"] ;
117 -> 119 ;
120 [label="gini = 0.191\nsamples = 28\nvalue = [25, 3]", fillcolor="#e89051"] ;
119 -> 120 ;
121 [label="gini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
119 -> 121 ;
122 [label="fico <= 739.5\ngini = 0.239\nsamples = 65\nvalue = [56, 9]", fillcolor="#e99559"] ;
116 -> 122 ;
123 [label="gini = 0.271\nsamples = 31\nvalue = [26, 5]", fillcolor="#ea995f"] ;
122 -> 123 ;
124 [label="gini = 0.208\nsamples = 34\nvalue = [30, 4]", fillcolor="#e89253"] ;
122 -> 124 ;
125 [label="gini = 0.153\nsamples = 24\nvalue = [22, 2]", fillcolor="#e78c4b"] ;
115 -> 125 ;
126 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
108 -> 126 ;
127 [label="fico <= 729.5\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
107 -> 127 ;
128 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
127 -> 128 ;
129 [label="fico <= 739.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
127 -> 129 ;
130 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
129 -> 130 ;
131 [label="fico <= 744.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
129 -> 131 ;
132 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
131 -> 132 ;
133 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
131 -> 133 ;
134 [label="fico <= 739.5\ngini = 0.149\nsamples = 99\nvalue = [91, 8]", fillcolor="#e78c4a"] ;
106 -> 134 ;
135 [label="fico <= 734.5\ngini = 0.092\nsamples = 62\nvalue = [59, 3]", fillcolor="#e68743"] ;
134 -> 135 ;
136 [label="int.rate <= 0.093\ngini = 0.185\nsamples = 29\nvalue = [26, 3]", fillcolor="#e89050"] ;
135 -> 136 ;
137 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
136 -> 137 ;
138 [label="fico <= 729.5\ngini = 0.245\nsamples = 21\nvalue = [18, 3]", fillcolor="#e9965a"] ;
136 -> 138 ;
139 [label="fico <= 724.5\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
138 -> 139 ;
140 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
139 -> 140 ;
141 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
139 -> 141 ;
142 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
138 -> 142 ;
143 [label="gini = 0.0\nsamples = 33\nvalue = [33, 0]", fillcolor="#e58139"] ;
135 -> 143 ;
144 [label="int.rate <= 0.093\ngini = 0.234\nsamples = 37\nvalue = [32, 5]", fillcolor="#e99558"] ;
134 -> 144 ;
145 [label="fico <= 744.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
144 -> 145 ;
146 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
145 -> 146 ;
147 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
145 -> 147 ;
148 [label="fico <= 744.5\ngini = 0.208\nsamples = 34\nvalue = [30, 4]", fillcolor="#e89253"] ;
144 -> 148 ;
149 [label="gini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
148 -> 149 ;
150 [label="gini = 0.231\nsamples = 15\nvalue = [13, 2]", fillcolor="#e99457"] ;
148 -> 150 ;
151 [label="int.rate <= 0.079\ngini = 0.07\nsamples = 1051\nvalue = [1013, 38]", fillcolor="#e68640"] ;
1 -> 151 ;
152 [label="fico <= 819.5\ngini = 0.046\nsamples = 469\nvalue = [458, 11]", fillcolor="#e6843e"] ;
151 -> 152 ;
153 [label="int.rate <= 0.071\ngini = 0.042\nsamples = 467\nvalue = [457, 10]", fillcolor="#e6843d"] ;
152 -> 153 ;
154 [label="fico <= 754.5\ngini = 0.121\nsamples = 31\nvalue = [29, 2]", fillcolor="#e78a47"] ;
153 -> 154 ;
155 [label="int.rate <= 0.069\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
154 -> 155 ;
156 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
155 -> 156 ;
157 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
155 -> 157 ;
158 [label="fico <= 774.5\ngini = 0.069\nsamples = 28\nvalue = [27, 1]", fillcolor="#e68640"] ;
154 -> 158 ;
159 [label="int.rate <= 0.069\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
158 -> 159 ;
160 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
159 -> 160 ;
161 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
159 -> 161 ;
162 [label="gini = 0.0\nsamples = 19\nvalue = [19, 0]", fillcolor="#e58139"] ;
158 -> 162 ;
163 [label="fico <= 774.5\ngini = 0.036\nsamples = 436\nvalue = [428, 8]", fillcolor="#e5833d"] ;
153 -> 163 ;
164 [label="int.rate <= 0.075\ngini = 0.018\nsamples = 221\nvalue = [219, 2]", fillcolor="#e5823b"] ;
163 -> 164 ;
165 [label="int.rate <= 0.074\ngini = 0.051\nsamples = 76\nvalue = [74, 2]", fillcolor="#e6843e"] ;
164 -> 165 ;
166 [label="gini = 0.0\nsamples = 61\nvalue = [61, 0]", fillcolor="#e58139"] ;
165 -> 166 ;
167 [label="fico <= 764.5\ngini = 0.231\nsamples = 15\nvalue = [13, 2]", fillcolor="#e99457"] ;
165 -> 167 ;
168 [label="fico <= 754.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
167 -> 168 ;
169 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
168 -> 169 ;
170 [label="fico <= 759.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
168 -> 170 ;
171 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
170 -> 171 ;
172 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
170 -> 172 ;
173 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
167 -> 173 ;
174 [label="gini = 0.0\nsamples = 145\nvalue = [145, 0]", fillcolor="#e58139"] ;
164 -> 174 ;
175 [label="fico <= 779.5\ngini = 0.054\nsamples = 215\nvalue = [209, 6]", fillcolor="#e6853f"] ;
163 -> 175 ;
176 [label="int.rate <= 0.076\ngini = 0.113\nsamples = 50\nvalue = [47, 3]", fillcolor="#e78946"] ;
175 -> 176 ;
177 [label="gini = 0.0\nsamples = 19\nvalue = [19, 0]", fillcolor="#e58139"] ;
176 -> 177 ;
178 [label="int.rate <= 0.077\ngini = 0.175\nsamples = 31\nvalue = [28, 3]", fillcolor="#e88e4e"] ;
176 -> 178 ;
179 [label="gini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
178 -> 179 ;
180 [label="int.rate <= 0.078\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
178 -> 180 ;
181 [label="gini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
180 -> 181 ;
182 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
180 -> 182 ;
183 [label="int.rate <= 0.077\ngini = 0.036\nsamples = 165\nvalue = [162, 3]", fillcolor="#e5833d"] ;
175 -> 183 ;
184 [label="fico <= 804.5\ngini = 0.027\nsamples = 148\nvalue = [146, 2]", fillcolor="#e5833c"] ;
183 -> 184 ;
185 [label="fico <= 784.5\ngini = 0.016\nsamples = 127\nvalue = [126, 1]", fillcolor="#e5823b"] ;
184 -> 185 ;
186 [label="int.rate <= 0.077\ngini = 0.054\nsamples = 36\nvalue = [35, 1]", fillcolor="#e6853f"] ;
185 -> 186 ;
187 [label="gini = 0.0\nsamples = 26\nvalue = [26, 0]", fillcolor="#e58139"] ;
186 -> 187 ;
188 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
186 -> 188 ;
189 [label="gini = 0.0\nsamples = 91\nvalue = [91, 0]", fillcolor="#e58139"] ;
185 -> 189 ;
190 [label="int.rate <= 0.074\ngini = 0.091\nsamples = 21\nvalue = [20, 1]", fillcolor="#e68743"] ;
184 -> 190 ;
191 [label="int.rate <= 0.074\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
190 -> 191 ;
192 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
191 -> 192 ;
193 [label="fico <= 809.5\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
191 -> 193 ;
194 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
193 -> 194 ;
195 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
193 -> 195 ;
196 [label="gini = 0.0\nsamples = 13\nvalue = [13, 0]", fillcolor="#e58139"] ;
190 -> 196 ;
197 [label="fico <= 789.5\ngini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
183 -> 197 ;
198 [label="fico <= 784.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
197 -> 198 ;
199 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
198 -> 199 ;
200 [label="int.rate <= 0.078\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
198 -> 200 ;
201 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
200 -> 201 ;
202 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
200 -> 202 ;
203 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
197 -> 203 ;
204 [label="int.rate <= 0.075\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
152 -> 204 ;
205 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
204 -> 205 ;
206 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
204 -> 206 ;
207 [label="int.rate <= 0.09\ngini = 0.088\nsamples = 582\nvalue = [555, 27]", fillcolor="#e68743"] ;
151 -> 207 ;
208 [label="int.rate <= 0.09\ngini = 0.1\nsamples = 475\nvalue = [450, 25]", fillcolor="#e68844"] ;
207 -> 208 ;
209 [label="fico <= 804.5\ngini = 0.096\nsamples = 473\nvalue = [449, 24]", fillcolor="#e68844"] ;
208 -> 209 ;
210 [label="int.rate <= 0.085\ngini = 0.101\nsamples = 450\nvalue = [426, 24]", fillcolor="#e68844"] ;
209 -> 210 ;
211 [label="fico <= 799.5\ngini = 0.126\nsamples = 193\nvalue = [180, 13]", fillcolor="#e78a47"] ;
210 -> 211 ;
212 [label="fico <= 774.5\ngini = 0.111\nsamples = 186\nvalue = [175, 11]", fillcolor="#e78945"] ;
211 -> 212 ;
213 [label="fico <= 769.5\ngini = 0.133\nsamples = 126\nvalue = [117, 9]", fillcolor="#e78b48"] ;
212 -> 213 ;
214 [label="int.rate <= 0.082\ngini = 0.107\nsamples = 106\nvalue = [100, 6]", fillcolor="#e78945"] ;
213 -> 214 ;
215 [label="int.rate <= 0.08\ngini = 0.134\nsamples = 83\nvalue = [77, 6]", fillcolor="#e78b48"] ;
214 -> 215 ;
216 [label="fico <= 759.5\ngini = 0.123\nsamples = 76\nvalue = [71, 5]", fillcolor="#e78a47"] ;
215 -> 216 ;
217 [label="fico <= 754.5\ngini = 0.176\nsamples = 41\nvalue = [37, 4]", fillcolor="#e88f4e"] ;
216 -> 217 ;
218 [label="gini = 0.159\nsamples = 23\nvalue = [21, 2]", fillcolor="#e78d4c"] ;
217 -> 218 ;
219 [label="gini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
217 -> 219 ;
220 [label="fico <= 764.5\ngini = 0.056\nsamples = 35\nvalue = [34, 1]", fillcolor="#e6853f"] ;
216 -> 220 ;
221 [label="gini = 0.0\nsamples = 19\nvalue = [19, 0]", fillcolor="#e58139"] ;
220 -> 221 ;
222 [label="gini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
220 -> 222 ;
223 [label="fico <= 759.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
215 -> 223 ;
224 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
223 -> 224 ;
225 [label="fico <= 764.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
223 -> 225 ;
226 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
225 -> 226 ;
227 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
225 -> 227 ;
228 [label="gini = 0.0\nsamples = 23\nvalue = [23, 0]", fillcolor="#e58139"] ;
214 -> 228 ;
229 [label="int.rate <= 0.082\ngini = 0.255\nsamples = 20\nvalue = [17, 3]", fillcolor="#ea975c"] ;
213 -> 229 ;
230 [label="int.rate <= 0.08\ngini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
229 -> 230 ;
231 [label="gini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
230 -> 231 ;
232 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
230 -> 232 ;
233 [label="int.rate <= 0.084\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
229 -> 233 ;
234 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
233 -> 234 ;
235 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
233 -> 235 ;
236 [label="int.rate <= 0.082\ngini = 0.064\nsamples = 60\nvalue = [58, 2]", fillcolor="#e68540"] ;
212 -> 236 ;
237 [label="fico <= 784.5\ngini = 0.036\nsamples = 54\nvalue = [53, 1]", fillcolor="#e5833d"] ;
236 -> 237 ;
238 [label="gini = 0.0\nsamples = 25\nvalue = [25, 0]", fillcolor="#e58139"] ;
237 -> 238 ;
239 [label="fico <= 789.5\ngini = 0.067\nsamples = 29\nvalue = [28, 1]", fillcolor="#e68640"] ;
237 -> 239 ;
240 [label="int.rate <= 0.08\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
239 -> 240 ;
241 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
240 -> 241 ;
242 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
240 -> 242 ;
243 [label="gini = 0.0\nsamples = 21\nvalue = [21, 0]", fillcolor="#e58139"] ;
239 -> 243 ;
244 [label="fico <= 794.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
236 -> 244 ;
245 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
244 -> 245 ;
246 [label="int.rate <= 0.084\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
244 -> 246 ;
247 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
246 -> 247 ;
248 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
246 -> 248 ;
249 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
211 -> 249 ;
250 [label="fico <= 789.5\ngini = 0.082\nsamples = 257\nvalue = [246, 11]", fillcolor="#e68742"] ;
210 -> 250 ;
251 [label="fico <= 784.5\ngini = 0.095\nsamples = 221\nvalue = [210, 11]", fillcolor="#e68843"] ;
250 -> 251 ;
252 [label="fico <= 759.5\ngini = 0.082\nsamples = 210\nvalue = [201, 9]", fillcolor="#e68742"] ;
251 -> 252 ;
253 [label="int.rate <= 0.086\ngini = 0.116\nsamples = 97\nvalue = [91, 6]", fillcolor="#e78946"] ;
252 -> 253 ;
254 [label="fico <= 754.5\ngini = 0.159\nsamples = 46\nvalue = [42, 4]", fillcolor="#e78d4c"] ;
253 -> 254 ;
255 [label="gini = 0.147\nsamples = 25\nvalue = [23, 2]", fillcolor="#e78c4a"] ;
254 -> 255 ;
256 [label="gini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
254 -> 256 ;
257 [label="fico <= 754.5\ngini = 0.075\nsamples = 51\nvalue = [49, 2]", fillcolor="#e68641"] ;
253 -> 257 ;
258 [label="gini = 0.0\nsamples = 21\nvalue = [21, 0]", fillcolor="#e58139"] ;
257 -> 258 ;
259 [label="int.rate <= 0.088\ngini = 0.124\nsamples = 30\nvalue = [28, 2]", fillcolor="#e78a47"] ;
257 -> 259 ;
260 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
259 -> 260 ;
261 [label="gini = 0.147\nsamples = 25\nvalue = [23, 2]", fillcolor="#e78c4a"] ;
259 -> 261 ;
262 [label="fico <= 769.5\ngini = 0.052\nsamples = 113\nvalue = [110, 3]", fillcolor="#e6843e"] ;
252 -> 262 ;
263 [label="gini = 0.0\nsamples = 57\nvalue = [57, 0]", fillcolor="#e58139"] ;
262 -> 263 ;
264 [label="int.rate <= 0.088\ngini = 0.101\nsamples = 56\nvalue = [53, 3]", fillcolor="#e68844"] ;
262 -> 264 ;
265 [label="gini = 0.0\nsamples = 22\nvalue = [22, 0]", fillcolor="#e58139"] ;
264 -> 265 ;
266 [label="fico <= 774.5\ngini = 0.161\nsamples = 34\nvalue = [31, 3]", fillcolor="#e88d4c"] ;
264 -> 266 ;
267 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
266 -> 267 ;
268 [label="fico <= 779.5\ngini = 0.153\nsamples = 24\nvalue = [22, 2]", fillcolor="#e78c4b"] ;
266 -> 268 ;
269 [label="gini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
268 -> 269 ;
270 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
268 -> 270 ;
271 [label="int.rate <= 0.088\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
251 -> 271 ;
272 [label="int.rate <= 0.086\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
271 -> 272 ;
273 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
272 -> 273 ;
274 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
272 -> 274 ;
275 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
271 -> 275 ;
276 [label="gini = 0.0\nsamples = 36\nvalue = [36, 0]", fillcolor="#e58139"] ;
250 -> 276 ;
277 [label="gini = 0.0\nsamples = 23\nvalue = [23, 0]", fillcolor="#e58139"] ;
209 -> 277 ;
278 [label="fico <= 802.0\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
208 -> 278 ;
279 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
278 -> 279 ;
280 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
278 -> 280 ;
281 [label="fico <= 794.5\ngini = 0.037\nsamples = 107\nvalue = [105, 2]", fillcolor="#e5833d"] ;
207 -> 281 ;
282 [label="fico <= 759.5\ngini = 0.021\nsamples = 93\nvalue = [92, 1]", fillcolor="#e5823b"] ;
281 -> 282 ;
283 [label="fico <= 754.5\ngini = 0.059\nsamples = 33\nvalue = [32, 1]", fillcolor="#e6853f"] ;
282 -> 283 ;
284 [label="gini = 0.0\nsamples = 21\nvalue = [21, 0]", fillcolor="#e58139"] ;
283 -> 284 ;
285 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
283 -> 285 ;
286 [label="gini = 0.0\nsamples = 60\nvalue = [60, 0]", fillcolor="#e58139"] ;
282 -> 286 ;
287 [label="fico <= 799.5\ngini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
281 -> 287 ;
288 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
287 -> 288 ;
289 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
287 -> 289 ;
290 [label="fico <= 669.5\ngini = 0.298\nsamples = 7902\nvalue = [6463, 1439]", fillcolor="#eb9d65"] ;
0 -> 290 [labeldistance=2.5, labelangle=-45, headlabel="False"] ;
291 [label="int.rate <= 0.16\ngini = 0.383\nsamples = 1339\nvalue = [993, 346]", fillcolor="#eead7e"] ;
290 -> 291 ;
292 [label="fico <= 659.5\ngini = 0.357\nsamples = 982\nvalue = [754, 228]", fillcolor="#eda775"] ;
291 -> 292 ;
293 [label="int.rate <= 0.123\ngini = 0.409\nsamples = 363\nvalue = [259, 104]", fillcolor="#efb489"] ;
292 -> 293 ;
294 [label="gini = 0.0\nsamples = 3\nvalue = [0, 3]", fillcolor="#399de5"] ;
293 -> 294 ;
295 [label="int.rate <= 0.139\ngini = 0.404\nsamples = 360\nvalue = [259, 101]", fillcolor="#efb286"] ;
293 -> 295 ;
296 [label="fico <= 639.5\ngini = 0.303\nsamples = 113\nvalue = [92, 21]", fillcolor="#eb9e66"] ;
295 -> 296 ;
297 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
296 -> 297 ;
298 [label="int.rate <= 0.131\ngini = 0.293\nsamples = 112\nvalue = [92, 20]", fillcolor="#eb9c64"] ;
296 -> 298 ;
299 [label="fico <= 654.5\ngini = 0.1\nsamples = 19\nvalue = [18, 1]", fillcolor="#e68844"] ;
298 -> 299 ;
300 [label="fico <= 649.5\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
299 -> 300 ;
301 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
300 -> 301 ;
302 [label="int.rate <= 0.126\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
300 -> 302 ;
303 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
302 -> 303 ;
304 [label="int.rate <= 0.129\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
302 -> 304 ;
305 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
304 -> 305 ;
306 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
304 -> 306 ;
307 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
299 -> 307 ;
308 [label="int.rate <= 0.136\ngini = 0.325\nsamples = 93\nvalue = [74, 19]", fillcolor="#eca16c"] ;
298 -> 308 ;
309 [label="fico <= 644.5\ngini = 0.366\nsamples = 54\nvalue = [41, 13]", fillcolor="#eda978"] ;
308 -> 309 ;
310 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
309 -> 310 ;
311 [label="fico <= 654.5\ngini = 0.355\nsamples = 52\nvalue = [40, 12]", fillcolor="#eda774"] ;
309 -> 311 ;
312 [label="int.rate <= 0.135\ngini = 0.375\nsamples = 32\nvalue = [24, 8]", fillcolor="#eeab7b"] ;
311 -> 312 ;
313 [label="int.rate <= 0.134\ngini = 0.351\nsamples = 22\nvalue = [17, 5]", fillcolor="#eda673"] ;
312 -> 313 ;
314 [label="fico <= 649.5\ngini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
313 -> 314 ;
315 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
314 -> 315 ;
316 [label="int.rate <= 0.133\ngini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
314 -> 316 ;
317 [label="int.rate <= 0.132\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
316 -> 317 ;
318 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
317 -> 318 ;
319 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
317 -> 319 ;
320 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
316 -> 320 ;
321 [label="fico <= 649.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
313 -> 321 ;
322 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
321 -> 322 ;
323 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
321 -> 323 ;
324 [label="int.rate <= 0.135\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
312 -> 324 ;
325 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
324 -> 325 ;
326 [label="fico <= 649.5\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
324 -> 326 ;
327 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
326 -> 327 ;
328 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
326 -> 328 ;
329 [label="int.rate <= 0.132\ngini = 0.32\nsamples = 20\nvalue = [16, 4]", fillcolor="#eca06a"] ;
311 -> 329 ;
330 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
329 -> 330 ;
331 [label="int.rate <= 0.134\ngini = 0.346\nsamples = 18\nvalue = [14, 4]", fillcolor="#eca572"] ;
329 -> 331 ;
332 [label="int.rate <= 0.133\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
331 -> 332 ;
333 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
332 -> 333 ;
334 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
332 -> 334 ;
335 [label="int.rate <= 0.135\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
331 -> 335 ;
336 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
335 -> 336 ;
337 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
335 -> 337 ;
338 [label="fico <= 649.5\ngini = 0.26\nsamples = 39\nvalue = [33, 6]", fillcolor="#ea985d"] ;
308 -> 338 ;
339 [label="fico <= 644.5\ngini = 0.332\nsamples = 19\nvalue = [15, 4]", fillcolor="#eca36e"] ;
338 -> 339 ;
340 [label="int.rate <= 0.138\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
339 -> 340 ;
341 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
340 -> 341 ;
342 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
340 -> 342 ;
343 [label="int.rate <= 0.137\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
339 -> 343 ;
344 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
343 -> 344 ;
345 [label="int.rate <= 0.138\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
343 -> 345 ;
346 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
345 -> 346 ;
347 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
345 -> 347 ;
348 [label="int.rate <= 0.137\ngini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
338 -> 348 ;
349 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
348 -> 349 ;
350 [label="int.rate <= 0.138\ngini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
348 -> 350 ;
351 [label="fico <= 654.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
350 -> 351 ;
352 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
351 -> 352 ;
353 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
351 -> 353 ;
354 [label="fico <= 654.5\ngini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
350 -> 354 ;
355 [label="int.rate <= 0.138\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
354 -> 355 ;
356 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
355 -> 356 ;
357 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
355 -> 357 ;
358 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
354 -> 358 ;
359 [label="int.rate <= 0.144\ngini = 0.438\nsamples = 247\nvalue = [167, 80]", fillcolor="#f1bd98"] ;
295 -> 359 ;
360 [label="fico <= 634.5\ngini = 0.482\nsamples = 79\nvalue = [47, 32]", fillcolor="#f7d7c0"] ;
359 -> 360 ;
361 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
360 -> 361 ;
362 [label="fico <= 639.5\ngini = 0.478\nsamples = 76\nvalue = [46, 30]", fillcolor="#f6d3ba"] ;
360 -> 362 ;
363 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
362 -> 363 ;
364 [label="fico <= 644.5\ngini = 0.48\nsamples = 75\nvalue = [45, 30]", fillcolor="#f6d5bd"] ;
362 -> 364 ;
365 [label="int.rate <= 0.14\ngini = 0.461\nsamples = 25\nvalue = [16, 9]", fillcolor="#f4c8a8"] ;
364 -> 365 ;
366 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
365 -> 366 ;
367 [label="int.rate <= 0.143\ngini = 0.444\nsamples = 24\nvalue = [16, 8]", fillcolor="#f2c09c"] ;
365 -> 367 ;
368 [label="int.rate <= 0.142\ngini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
367 -> 368 ;
369 [label="int.rate <= 0.141\ngini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
368 -> 369 ;
370 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
369 -> 370 ;
371 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
369 -> 371 ;
372 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
368 -> 372 ;
373 [label="gini = 0.496\nsamples = 11\nvalue = [6, 5]", fillcolor="#fbeade"] ;
367 -> 373 ;
374 [label="int.rate <= 0.143\ngini = 0.487\nsamples = 50\nvalue = [29, 21]", fillcolor="#f8dcc8"] ;
364 -> 374 ;
375 [label="fico <= 649.5\ngini = 0.493\nsamples = 41\nvalue = [23, 18]", fillcolor="#f9e4d4"] ;
374 -> 375 ;
376 [label="int.rate <= 0.141\ngini = 0.494\nsamples = 9\nvalue = [4, 5]", fillcolor="#d7ebfa"] ;
375 -> 376 ;
377 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
376 -> 377 ;
378 [label="int.rate <= 0.142\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
376 -> 378 ;
379 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
378 -> 379 ;
380 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
378 -> 380 ;
381 [label="int.rate <= 0.142\ngini = 0.482\nsamples = 32\nvalue = [19, 13]", fillcolor="#f7d7c0"] ;
375 -> 381 ;
382 [label="fico <= 654.5\ngini = 0.426\nsamples = 13\nvalue = [9, 4]", fillcolor="#f1b991"] ;
381 -> 382 ;
383 [label="int.rate <= 0.14\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
382 -> 383 ;
384 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
383 -> 384 ;
385 [label="int.rate <= 0.141\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
383 -> 385 ;
386 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
385 -> 386 ;
387 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
385 -> 387 ;
388 [label="int.rate <= 0.14\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
382 -> 388 ;
389 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
388 -> 389 ;
390 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
388 -> 390 ;
391 [label="fico <= 654.5\ngini = 0.499\nsamples = 19\nvalue = [10, 9]", fillcolor="#fcf2eb"] ;
381 -> 391 ;
392 [label="int.rate <= 0.142\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
391 -> 392 ;
393 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
392 -> 393 ;
394 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
392 -> 394 ;
395 [label="int.rate <= 0.142\ngini = 0.49\nsamples = 14\nvalue = [8, 6]", fillcolor="#f8e0ce"] ;
391 -> 395 ;
396 [label="gini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
395 -> 396 ;
397 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
395 -> 397 ;
398 [label="fico <= 652.0\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
374 -> 398 ;
399 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
398 -> 399 ;
400 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
398 -> 400 ;
401 [label="fico <= 654.5\ngini = 0.408\nsamples = 168\nvalue = [120, 48]", fillcolor="#efb388"] ;
359 -> 401 ;
402 [label="int.rate <= 0.154\ngini = 0.391\nsamples = 135\nvalue = [99, 36]", fillcolor="#eeaf81"] ;
401 -> 402 ;
403 [label="fico <= 639.5\ngini = 0.412\nsamples = 93\nvalue = [66, 27]", fillcolor="#f0b58a"] ;
402 -> 403 ;
404 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
403 -> 404 ;
405 [label="int.rate <= 0.152\ngini = 0.42\nsamples = 90\nvalue = [63, 27]", fillcolor="#f0b78e"] ;
403 -> 405 ;
406 [label="fico <= 644.5\ngini = 0.405\nsamples = 78\nvalue = [56, 22]", fillcolor="#efb287"] ;
405 -> 406 ;
407 [label="int.rate <= 0.15\ngini = 0.287\nsamples = 23\nvalue = [19, 4]", fillcolor="#ea9c63"] ;
406 -> 407 ;
408 [label="int.rate <= 0.149\ngini = 0.346\nsamples = 18\nvalue = [14, 4]", fillcolor="#eca572"] ;
407 -> 408 ;
409 [label="int.rate <= 0.149\ngini = 0.305\nsamples = 16\nvalue = [13, 3]", fillcolor="#eb9e67"] ;
408 -> 409 ;
410 [label="int.rate <= 0.147\ngini = 0.337\nsamples = 14\nvalue = [11, 3]", fillcolor="#eca36f"] ;
409 -> 410 ;
411 [label="int.rate <= 0.145\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
410 -> 411 ;
412 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
411 -> 412 ;
413 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
411 -> 413 ;
414 [label="int.rate <= 0.148\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
410 -> 414 ;
415 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
414 -> 415 ;
416 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
414 -> 416 ;
417 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
409 -> 417 ;
418 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
408 -> 418 ;
419 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
407 -> 419 ;
420 [label="fico <= 649.5\ngini = 0.44\nsamples = 55\nvalue = [37, 18]", fillcolor="#f2be99"] ;
406 -> 420 ;
421 [label="int.rate <= 0.148\ngini = 0.473\nsamples = 26\nvalue = [16, 10]", fillcolor="#f5d0b5"] ;
420 -> 421 ;
422 [label="int.rate <= 0.146\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
421 -> 422 ;
423 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
422 -> 423 ;
424 [label="int.rate <= 0.147\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
422 -> 424 ;
425 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
424 -> 425 ;
426 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
424 -> 426 ;
427 [label="int.rate <= 0.151\ngini = 0.498\nsamples = 17\nvalue = [9, 8]", fillcolor="#fcf1e9"] ;
421 -> 427 ;
428 [label="int.rate <= 0.149\ngini = 0.486\nsamples = 12\nvalue = [7, 5]", fillcolor="#f8dbc6"] ;
427 -> 428 ;
429 [label="gini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
428 -> 429 ;
430 [label="int.rate <= 0.149\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
428 -> 430 ;
431 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
430 -> 431 ;
432 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
430 -> 432 ;
433 [label="gini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
427 -> 433 ;
434 [label="int.rate <= 0.146\ngini = 0.4\nsamples = 29\nvalue = [21, 8]", fillcolor="#efb184"] ;
420 -> 434 ;
435 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
434 -> 435 ;
436 [label="int.rate <= 0.148\ngini = 0.34\nsamples = 23\nvalue = [18, 5]", fillcolor="#eca470"] ;
434 -> 436 ;
437 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
436 -> 437 ;
438 [label="int.rate <= 0.149\ngini = 0.388\nsamples = 19\nvalue = [14, 5]", fillcolor="#eeae80"] ;
436 -> 438 ;
439 [label="gini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
438 -> 439 ;
440 [label="int.rate <= 0.151\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
438 -> 440 ;
441 [label="int.rate <= 0.15\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
440 -> 441 ;
442 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
441 -> 442 ;
443 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
441 -> 443 ;
444 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
440 -> 444 ;
445 [label="fico <= 644.5\ngini = 0.486\nsamples = 12\nvalue = [7, 5]", fillcolor="#f8dbc6"] ;
405 -> 445 ;
446 [label="int.rate <= 0.153\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
445 -> 446 ;
447 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
446 -> 447 ;
448 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
446 -> 448 ;
449 [label="int.rate <= 0.153\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
445 -> 449 ;
450 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
449 -> 450 ;
451 [label="fico <= 649.5\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
449 -> 451 ;
452 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
451 -> 452 ;
453 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
451 -> 453 ;
454 [label="int.rate <= 0.156\ngini = 0.337\nsamples = 42\nvalue = [33, 9]", fillcolor="#eca36f"] ;
402 -> 454 ;
455 [label="fico <= 644.5\ngini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
454 -> 455 ;
456 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
455 -> 456 ;
457 [label="int.rate <= 0.154\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
455 -> 457 ;
458 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
457 -> 458 ;
459 [label="int.rate <= 0.155\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
457 -> 459 ;
460 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
459 -> 460 ;
461 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
459 -> 461 ;
462 [label="int.rate <= 0.157\ngini = 0.435\nsamples = 25\nvalue = [17, 8]", fillcolor="#f1bc96"] ;
454 -> 462 ;
463 [label="fico <= 647.0\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
462 -> 463 ;
464 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
463 -> 464 ;
465 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
463 -> 465 ;
466 [label="fico <= 649.5\ngini = 0.363\nsamples = 21\nvalue = [16, 5]", fillcolor="#eda877"] ;
462 -> 466 ;
467 [label="int.rate <= 0.157\ngini = 0.444\nsamples = 12\nvalue = [8, 4]", fillcolor="#f2c09c"] ;
466 -> 467 ;
468 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
467 -> 468 ;
469 [label="int.rate <= 0.159\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
467 -> 469 ;
470 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
469 -> 470 ;
471 [label="fico <= 629.5\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
469 -> 471 ;
472 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
471 -> 472 ;
473 [label="fico <= 637.0\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
471 -> 473 ;
474 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
473 -> 474 ;
475 [label="int.rate <= 0.16\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
473 -> 475 ;
476 [label="fico <= 644.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
475 -> 476 ;
477 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
476 -> 477 ;
478 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
476 -> 478 ;
479 [label="fico <= 644.5\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
475 -> 479 ;
480 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
479 -> 480 ;
481 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
479 -> 481 ;
482 [label="int.rate <= 0.158\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
466 -> 482 ;
483 [label="int.rate <= 0.157\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
482 -> 483 ;
484 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
483 -> 484 ;
485 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
483 -> 485 ;
486 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
482 -> 486 ;
487 [label="int.rate <= 0.155\ngini = 0.463\nsamples = 33\nvalue = [21, 12]", fillcolor="#f4c9aa"] ;
401 -> 487 ;
488 [label="int.rate <= 0.152\ngini = 0.426\nsamples = 26\nvalue = [18, 8]", fillcolor="#f1b991"] ;
487 -> 488 ;
489 [label="int.rate <= 0.148\ngini = 0.472\nsamples = 21\nvalue = [13, 8]", fillcolor="#f5cfb3"] ;
488 -> 489 ;
490 [label="int.rate <= 0.145\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
489 -> 490 ;
491 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
490 -> 491 ;
492 [label="int.rate <= 0.146\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
490 -> 492 ;
493 [label="gini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
492 -> 493 ;
494 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
492 -> 494 ;
495 [label="int.rate <= 0.149\ngini = 0.5\nsamples = 10\nvalue = [5, 5]", fillcolor="#ffffff"] ;
489 -> 495 ;
496 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
495 -> 496 ;
497 [label="int.rate <= 0.151\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
495 -> 497 ;
498 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
497 -> 498 ;
499 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
497 -> 499 ;
500 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
488 -> 500 ;
501 [label="int.rate <= 0.16\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
487 -> 501 ;
502 [label="int.rate <= 0.156\ngini = 0.444\nsamples = 6\nvalue = [2, 4]", fillcolor="#9ccef2"] ;
501 -> 502 ;
503 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
502 -> 503 ;
504 [label="int.rate <= 0.158\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
502 -> 504 ;
505 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
504 -> 505 ;
506 [label="int.rate <= 0.159\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
504 -> 506 ;
507 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
506 -> 507 ;
508 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
506 -> 508 ;
509 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
501 -> 509 ;
510 [label="int.rate <= 0.136\ngini = 0.32\nsamples = 619\nvalue = [495, 124]", fillcolor="#eca16b"] ;
292 -> 510 ;
511 [label="int.rate <= 0.122\ngini = 0.387\nsamples = 179\nvalue = [132, 47]", fillcolor="#eeae80"] ;
510 -> 511 ;
512 [label="int.rate <= 0.115\ngini = 0.18\nsamples = 30\nvalue = [27, 3]", fillcolor="#e88f4f"] ;
511 -> 512 ;
513 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
512 -> 513 ;
514 [label="int.rate <= 0.119\ngini = 0.204\nsamples = 26\nvalue = [23, 3]", fillcolor="#e89153"] ;
512 -> 514 ;
515 [label="fico <= 664.5\ngini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
514 -> 515 ;
516 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
515 -> 516 ;
517 [label="int.rate <= 0.116\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
515 -> 517 ;
518 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
517 -> 518 ;
519 [label="int.rate <= 0.118\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
517 -> 519 ;
520 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
519 -> 520 ;
521 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
519 -> 521 ;
522 [label="fico <= 664.5\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
514 -> 522 ;
523 [label="int.rate <= 0.121\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
522 -> 523 ;
524 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
523 -> 524 ;
525 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
523 -> 525 ;
526 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
522 -> 526 ;
527 [label="int.rate <= 0.125\ngini = 0.416\nsamples = 149\nvalue = [105, 44]", fillcolor="#f0b68c"] ;
511 -> 527 ;
528 [label="fico <= 664.5\ngini = 0.478\nsamples = 33\nvalue = [20, 13]", fillcolor="#f6d3ba"] ;
527 -> 528 ;
529 [label="int.rate <= 0.123\ngini = 0.388\nsamples = 19\nvalue = [14, 5]", fillcolor="#eeae80"] ;
528 -> 529 ;
530 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
529 -> 530 ;
531 [label="int.rate <= 0.124\ngini = 0.496\nsamples = 11\nvalue = [6, 5]", fillcolor="#fbeade"] ;
529 -> 531 ;
532 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
531 -> 532 ;
533 [label="gini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
531 -> 533 ;
534 [label="int.rate <= 0.124\ngini = 0.49\nsamples = 14\nvalue = [6, 8]", fillcolor="#cee6f8"] ;
528 -> 534 ;
535 [label="int.rate <= 0.123\ngini = 0.42\nsamples = 10\nvalue = [3, 7]", fillcolor="#8ec7f0"] ;
534 -> 535 ;
536 [label="gini = 0.444\nsamples = 9\nvalue = [3, 6]", fillcolor="#9ccef2"] ;
535 -> 536 ;
537 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
535 -> 537 ;
538 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
534 -> 538 ;
539 [label="int.rate <= 0.128\ngini = 0.392\nsamples = 116\nvalue = [85, 31]", fillcolor="#eeaf81"] ;
527 -> 539 ;
540 [label="fico <= 664.5\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
539 -> 540 ;
541 [label="int.rate <= 0.126\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
540 -> 541 ;
542 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
541 -> 542 ;
543 [label="int.rate <= 0.126\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
541 -> 543 ;
544 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
543 -> 544 ;
545 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
543 -> 545 ;
546 [label="int.rate <= 0.127\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
540 -> 546 ;
547 [label="int.rate <= 0.126\ngini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
546 -> 547 ;
548 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
547 -> 548 ;
549 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
547 -> 549 ;
550 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
546 -> 550 ;
551 [label="int.rate <= 0.132\ngini = 0.424\nsamples = 95\nvalue = [66, 29]", fillcolor="#f0b890"] ;
539 -> 551 ;
552 [label="int.rate <= 0.132\ngini = 0.397\nsamples = 44\nvalue = [32, 12]", fillcolor="#efb083"] ;
551 -> 552 ;
553 [label="int.rate <= 0.131\ngini = 0.42\nsamples = 40\nvalue = [28, 12]", fillcolor="#f0b78e"] ;
552 -> 553 ;
554 [label="int.rate <= 0.131\ngini = 0.405\nsamples = 39\nvalue = [28, 11]", fillcolor="#efb287"] ;
553 -> 554 ;
555 [label="int.rate <= 0.13\ngini = 0.424\nsamples = 36\nvalue = [25, 11]", fillcolor="#f0b890"] ;
554 -> 555 ;
556 [label="int.rate <= 0.128\ngini = 0.404\nsamples = 32\nvalue = [23, 9]", fillcolor="#efb286"] ;
555 -> 556 ;
557 [label="fico <= 664.5\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
556 -> 557 ;
558 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
557 -> 558 ;
559 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
557 -> 559 ;
560 [label="fico <= 664.5\ngini = 0.423\nsamples = 23\nvalue = [16, 7]", fillcolor="#f0b890"] ;
556 -> 560 ;
561 [label="int.rate <= 0.129\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
560 -> 561 ;
562 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
561 -> 562 ;
563 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
561 -> 563 ;
564 [label="int.rate <= 0.129\ngini = 0.444\nsamples = 15\nvalue = [10, 5]", fillcolor="#f2c09c"] ;
560 -> 564 ;
565 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
564 -> 565 ;
566 [label="gini = 0.426\nsamples = 13\nvalue = [9, 4]", fillcolor="#f1b991"] ;
564 -> 566 ;
567 [label="int.rate <= 0.13\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
555 -> 567 ;
568 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
567 -> 568 ;
569 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
567 -> 569 ;
570 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
554 -> 570 ;
571 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
553 -> 571 ;
572 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
552 -> 572 ;
573 [label="int.rate <= 0.133\ngini = 0.444\nsamples = 51\nvalue = [34, 17]", fillcolor="#f2c09c"] ;
551 -> 573 ;
574 [label="int.rate <= 0.133\ngini = 0.486\nsamples = 24\nvalue = [14, 10]", fillcolor="#f8dbc6"] ;
573 -> 574 ;
575 [label="fico <= 664.5\ngini = 0.469\nsamples = 16\nvalue = [10, 6]", fillcolor="#f5cdb0"] ;
574 -> 575 ;
576 [label="gini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
575 -> 576 ;
577 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
575 -> 577 ;
578 [label="gini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
574 -> 578 ;
579 [label="int.rate <= 0.135\ngini = 0.384\nsamples = 27\nvalue = [20, 7]", fillcolor="#eead7e"] ;
573 -> 579 ;
580 [label="fico <= 664.5\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
579 -> 580 ;
581 [label="int.rate <= 0.134\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
580 -> 581 ;
582 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
581 -> 582 ;
583 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
581 -> 583 ;
584 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
580 -> 584 ;
585 [label="int.rate <= 0.135\ngini = 0.444\nsamples = 18\nvalue = [12, 6]", fillcolor="#f2c09c"] ;
579 -> 585 ;
586 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
585 -> 586 ;
587 [label="fico <= 664.5\ngini = 0.375\nsamples = 16\nvalue = [12, 4]", fillcolor="#eeab7b"] ;
585 -> 587 ;
588 [label="gini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
587 -> 588 ;
589 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
587 -> 589 ;
590 [label="int.rate <= 0.138\ngini = 0.289\nsamples = 440\nvalue = [363, 77]", fillcolor="#eb9c63"] ;
510 -> 590 ;
591 [label="int.rate <= 0.138\ngini = 0.133\nsamples = 28\nvalue = [26, 2]", fillcolor="#e78b48"] ;
590 -> 591 ;
592 [label="int.rate <= 0.136\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
591 -> 592 ;
593 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
592 -> 593 ;
594 [label="int.rate <= 0.137\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
592 -> 594 ;
595 [label="fico <= 664.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
594 -> 595 ;
596 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
595 -> 596 ;
597 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
595 -> 597 ;
598 [label="fico <= 664.5\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
594 -> 598 ;
599 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
598 -> 599 ;
600 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
598 -> 600 ;
601 [label="gini = 0.0\nsamples = 12\nvalue = [12, 0]", fillcolor="#e58139"] ;
591 -> 601 ;
602 [label="int.rate <= 0.15\ngini = 0.298\nsamples = 412\nvalue = [337, 75]", fillcolor="#eb9d65"] ;
590 -> 602 ;
603 [label="int.rate <= 0.144\ngini = 0.323\nsamples = 188\nvalue = [150, 38]", fillcolor="#eca16b"] ;
602 -> 603 ;
604 [label="int.rate <= 0.142\ngini = 0.27\nsamples = 87\nvalue = [73, 14]", fillcolor="#ea995f"] ;
603 -> 604 ;
605 [label="int.rate <= 0.139\ngini = 0.355\nsamples = 39\nvalue = [30, 9]", fillcolor="#eda774"] ;
604 -> 605 ;
606 [label="fico <= 664.5\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
605 -> 606 ;
607 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
606 -> 607 ;
608 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
606 -> 608 ;
609 [label="int.rate <= 0.14\ngini = 0.384\nsamples = 27\nvalue = [20, 7]", fillcolor="#eead7e"] ;
605 -> 609 ;
610 [label="fico <= 664.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
609 -> 610 ;
611 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
610 -> 611 ;
612 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
610 -> 612 ;
613 [label="int.rate <= 0.141\ngini = 0.33\nsamples = 24\nvalue = [19, 5]", fillcolor="#eca26d"] ;
609 -> 613 ;
614 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
613 -> 614 ;
615 [label="fico <= 664.5\ngini = 0.363\nsamples = 21\nvalue = [16, 5]", fillcolor="#eda877"] ;
613 -> 615 ;
616 [label="int.rate <= 0.141\ngini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
615 -> 616 ;
617 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
616 -> 617 ;
618 [label="int.rate <= 0.142\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
616 -> 618 ;
619 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
618 -> 619 ;
620 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
618 -> 620 ;
621 [label="int.rate <= 0.141\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
615 -> 621 ;
622 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
621 -> 622 ;
623 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
621 -> 623 ;
624 [label="int.rate <= 0.143\ngini = 0.187\nsamples = 48\nvalue = [43, 5]", fillcolor="#e89050"] ;
604 -> 624 ;
625 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
624 -> 625 ;
626 [label="fico <= 664.5\ngini = 0.198\nsamples = 45\nvalue = [40, 5]", fillcolor="#e89152"] ;
624 -> 626 ;
627 [label="int.rate <= 0.143\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
626 -> 627 ;
628 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
627 -> 628 ;
629 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
627 -> 629 ;
630 [label="int.rate <= 0.144\ngini = 0.231\nsamples = 30\nvalue = [26, 4]", fillcolor="#e99457"] ;
626 -> 630 ;
631 [label="int.rate <= 0.143\ngini = 0.159\nsamples = 23\nvalue = [21, 2]", fillcolor="#e78d4c"] ;
630 -> 631 ;
632 [label="gini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
631 -> 632 ;
633 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
631 -> 633 ;
634 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
630 -> 634 ;
635 [label="int.rate <= 0.145\ngini = 0.362\nsamples = 101\nvalue = [77, 24]", fillcolor="#eda877"] ;
603 -> 635 ;
636 [label="fico <= 664.5\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
635 -> 636 ;
637 [label="int.rate <= 0.145\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
636 -> 637 ;
638 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
637 -> 638 ;
639 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
637 -> 639 ;
640 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
636 -> 640 ;
641 [label="int.rate <= 0.146\ngini = 0.335\nsamples = 94\nvalue = [74, 20]", fillcolor="#eca36f"] ;
635 -> 641 ;
642 [label="fico <= 664.5\ngini = 0.383\nsamples = 31\nvalue = [23, 8]", fillcolor="#eead7e"] ;
641 -> 642 ;
643 [label="int.rate <= 0.146\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
642 -> 643 ;
644 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
643 -> 644 ;
645 [label="int.rate <= 0.146\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
643 -> 645 ;
646 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
645 -> 646 ;
647 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
645 -> 647 ;
648 [label="int.rate <= 0.146\ngini = 0.455\nsamples = 20\nvalue = [13, 7]", fillcolor="#f3c5a4"] ;
642 -> 648 ;
649 [label="gini = 0.432\nsamples = 19\nvalue = [13, 6]", fillcolor="#f1bb94"] ;
648 -> 649 ;
650 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
648 -> 650 ;
651 [label="int.rate <= 0.149\ngini = 0.308\nsamples = 63\nvalue = [51, 12]", fillcolor="#eb9f68"] ;
641 -> 651 ;
652 [label="int.rate <= 0.147\ngini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
651 -> 652 ;
653 [label="int.rate <= 0.147\ngini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
652 -> 653 ;
654 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
653 -> 654 ;
655 [label="fico <= 664.5\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
653 -> 655 ;
656 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
655 -> 656 ;
657 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
655 -> 657 ;
658 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
652 -> 658 ;
659 [label="int.rate <= 0.149\ngini = 0.351\nsamples = 44\nvalue = [34, 10]", fillcolor="#eda673"] ;
651 -> 659 ;
660 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
659 -> 660 ;
661 [label="fico <= 664.5\ngini = 0.308\nsamples = 42\nvalue = [34, 8]", fillcolor="#eb9f68"] ;
659 -> 661 ;
662 [label="int.rate <= 0.149\ngini = 0.397\nsamples = 22\nvalue = [16, 6]", fillcolor="#efb083"] ;
661 -> 662 ;
663 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
662 -> 663 ;
664 [label="gini = 0.432\nsamples = 19\nvalue = [13, 6]", fillcolor="#f1bb94"] ;
662 -> 664 ;
665 [label="int.rate <= 0.149\ngini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
661 -> 665 ;
666 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
665 -> 666 ;
667 [label="gini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
665 -> 667 ;
668 [label="int.rate <= 0.154\ngini = 0.276\nsamples = 224\nvalue = [187, 37]", fillcolor="#ea9a60"] ;
602 -> 668 ;
669 [label="int.rate <= 0.153\ngini = 0.201\nsamples = 97\nvalue = [86, 11]", fillcolor="#e89152"] ;
668 -> 669 ;
670 [label="int.rate <= 0.151\ngini = 0.221\nsamples = 79\nvalue = [69, 10]", fillcolor="#e99356"] ;
669 -> 670 ;
671 [label="fico <= 664.5\ngini = 0.252\nsamples = 27\nvalue = [23, 4]", fillcolor="#ea975b"] ;
670 -> 671 ;
672 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
671 -> 672 ;
673 [label="int.rate <= 0.15\ngini = 0.291\nsamples = 17\nvalue = [14, 3]", fillcolor="#eb9c63"] ;
671 -> 673 ;
674 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
673 -> 674 ;
675 [label="gini = 0.305\nsamples = 16\nvalue = [13, 3]", fillcolor="#eb9e67"] ;
673 -> 675 ;
676 [label="int.rate <= 0.152\ngini = 0.204\nsamples = 52\nvalue = [46, 6]", fillcolor="#e89153"] ;
670 -> 676 ;
677 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
676 -> 677 ;
678 [label="int.rate <= 0.153\ngini = 0.236\nsamples = 44\nvalue = [38, 6]", fillcolor="#e99558"] ;
676 -> 678 ;
679 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
678 -> 679 ;
680 [label="int.rate <= 0.153\ngini = 0.206\nsamples = 43\nvalue = [38, 5]", fillcolor="#e89253"] ;
678 -> 680 ;
681 [label="fico <= 664.5\ngini = 0.193\nsamples = 37\nvalue = [33, 4]", fillcolor="#e89051"] ;
680 -> 681 ;
682 [label="gini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
681 -> 682 ;
683 [label="gini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
681 -> 683 ;
684 [label="fico <= 664.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
680 -> 684 ;
685 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
684 -> 685 ;
686 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
684 -> 686 ;
687 [label="fico <= 664.5\ngini = 0.105\nsamples = 18\nvalue = [17, 1]", fillcolor="#e78845"] ;
669 -> 687 ;
688 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
687 -> 688 ;
689 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
687 -> 689 ;
690 [label="int.rate <= 0.157\ngini = 0.326\nsamples = 127\nvalue = [101, 26]", fillcolor="#eca16c"] ;
668 -> 690 ;
691 [label="fico <= 664.5\ngini = 0.392\nsamples = 56\nvalue = [41, 15]", fillcolor="#efaf81"] ;
690 -> 691 ;
692 [label="int.rate <= 0.156\ngini = 0.444\nsamples = 30\nvalue = [20, 10]", fillcolor="#f2c09c"] ;
691 -> 692 ;
693 [label="int.rate <= 0.155\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
692 -> 693 ;
694 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
693 -> 694 ;
695 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
693 -> 695 ;
696 [label="int.rate <= 0.157\ngini = 0.469\nsamples = 24\nvalue = [15, 9]", fillcolor="#f5cdb0"] ;
692 -> 696 ;
697 [label="gini = 0.492\nsamples = 16\nvalue = [9, 7]", fillcolor="#f9e3d3"] ;
696 -> 697 ;
698 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
696 -> 698 ;
699 [label="int.rate <= 0.155\ngini = 0.311\nsamples = 26\nvalue = [21, 5]", fillcolor="#eb9f68"] ;
691 -> 699 ;
700 [label="int.rate <= 0.154\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
699 -> 700 ;
701 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
700 -> 701 ;
702 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
700 -> 702 ;
703 [label="int.rate <= 0.157\ngini = 0.227\nsamples = 23\nvalue = [20, 3]", fillcolor="#e99457"] ;
699 -> 703 ;
704 [label="int.rate <= 0.156\ngini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
703 -> 704 ;
705 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
704 -> 705 ;
706 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
704 -> 706 ;
707 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
703 -> 707 ;
708 [label="int.rate <= 0.16\ngini = 0.262\nsamples = 71\nvalue = [60, 11]", fillcolor="#ea985d"] ;
690 -> 708 ;
709 [label="int.rate <= 0.157\ngini = 0.265\nsamples = 70\nvalue = [59, 11]", fillcolor="#ea985e"] ;
708 -> 709 ;
710 [label="fico <= 664.5\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
709 -> 710 ;
711 [label="gini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
710 -> 711 ;
712 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
710 -> 712 ;
713 [label="int.rate <= 0.159\ngini = 0.255\nsamples = 60\nvalue = [51, 9]", fillcolor="#ea975c"] ;
709 -> 713 ;
714 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
713 -> 714 ;
715 [label="int.rate <= 0.16\ngini = 0.278\nsamples = 54\nvalue = [45, 9]", fillcolor="#ea9a61"] ;
713 -> 715 ;
716 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
715 -> 716 ;
717 [label="fico <= 664.5\ngini = 0.26\nsamples = 52\nvalue = [44, 8]", fillcolor="#ea985d"] ;
715 -> 717 ;
718 [label="gini = 0.257\nsamples = 33\nvalue = [28, 5]", fillcolor="#ea985c"] ;
717 -> 718 ;
719 [label="gini = 0.266\nsamples = 19\nvalue = [16, 3]", fillcolor="#ea995e"] ;
717 -> 719 ;
720 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
708 -> 720 ;
721 [label="int.rate <= 0.163\ngini = 0.443\nsamples = 357\nvalue = [239, 118]", fillcolor="#f2bf9b"] ;
291 -> 721 ;
722 [label="fico <= 649.5\ngini = 0.499\nsamples = 27\nvalue = [13, 14]", fillcolor="#f1f8fd"] ;
721 -> 722 ;
723 [label="fico <= 644.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
722 -> 723 ;
724 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
723 -> 724 ;
725 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
723 -> 725 ;
726 [label="int.rate <= 0.162\ngini = 0.472\nsamples = 21\nvalue = [8, 13]", fillcolor="#b3d9f5"] ;
722 -> 726 ;
727 [label="int.rate <= 0.162\ngini = 0.497\nsamples = 13\nvalue = [6, 7]", fillcolor="#e3f1fb"] ;
726 -> 727 ;
728 [label="fico <= 659.5\ngini = 0.486\nsamples = 12\nvalue = [5, 7]", fillcolor="#c6e3f8"] ;
727 -> 728 ;
729 [label="fico <= 654.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
728 -> 729 ;
730 [label="int.rate <= 0.161\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
729 -> 730 ;
731 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
730 -> 731 ;
732 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
730 -> 732 ;
733 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
729 -> 733 ;
734 [label="fico <= 664.5\ngini = 0.444\nsamples = 9\nvalue = [3, 6]", fillcolor="#9ccef2"] ;
728 -> 734 ;
735 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
734 -> 735 ;
736 [label="int.rate <= 0.161\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
734 -> 736 ;
737 [label="int.rate <= 0.161\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
736 -> 737 ;
738 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
737 -> 738 ;
739 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
737 -> 739 ;
740 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
736 -> 740 ;
741 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
727 -> 741 ;
742 [label="fico <= 664.5\ngini = 0.375\nsamples = 8\nvalue = [2, 6]", fillcolor="#7bbeee"] ;
726 -> 742 ;
743 [label="fico <= 657.0\ngini = 0.278\nsamples = 6\nvalue = [1, 5]", fillcolor="#61b1ea"] ;
742 -> 743 ;
744 [label="gini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
743 -> 744 ;
745 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
743 -> 745 ;
746 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
742 -> 746 ;
747 [label="int.rate <= 0.174\ngini = 0.432\nsamples = 330\nvalue = [226, 104]", fillcolor="#f1bb94"] ;
721 -> 747 ;
748 [label="fico <= 649.5\ngini = 0.383\nsamples = 163\nvalue = [121, 42]", fillcolor="#eead7e"] ;
747 -> 748 ;
749 [label="int.rate <= 0.171\ngini = 0.48\nsamples = 20\nvalue = [8, 12]", fillcolor="#bddef6"] ;
748 -> 749 ;
750 [label="fico <= 644.5\ngini = 0.375\nsamples = 12\nvalue = [3, 9]", fillcolor="#7bbeee"] ;
749 -> 750 ;
751 [label="fico <= 639.5\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
750 -> 751 ;
752 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
751 -> 752 ;
753 [label="int.rate <= 0.167\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
751 -> 753 ;
754 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
753 -> 754 ;
755 [label="int.rate <= 0.168\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
753 -> 755 ;
756 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
755 -> 756 ;
757 [label="int.rate <= 0.17\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
755 -> 757 ;
758 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
757 -> 758 ;
759 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
757 -> 759 ;
760 [label="gini = 0.0\nsamples = 5\nvalue = [0, 5]", fillcolor="#399de5"] ;
750 -> 760 ;
761 [label="int.rate <= 0.173\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
749 -> 761 ;
762 [label="int.rate <= 0.172\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
761 -> 762 ;
763 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
762 -> 763 ;
764 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
762 -> 764 ;
765 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
761 -> 765 ;
766 [label="int.rate <= 0.174\ngini = 0.332\nsamples = 143\nvalue = [113, 30]", fillcolor="#eca26e"] ;
748 -> 766 ;
767 [label="fico <= 664.5\ngini = 0.346\nsamples = 135\nvalue = [105, 30]", fillcolor="#eca572"] ;
766 -> 767 ;
768 [label="int.rate <= 0.164\ngini = 0.305\nsamples = 80\nvalue = [65, 15]", fillcolor="#eb9e67"] ;
767 -> 768 ;
769 [label="int.rate <= 0.163\ngini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
768 -> 769 ;
770 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
769 -> 770 ;
771 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
769 -> 771 ;
772 [label="int.rate <= 0.17\ngini = 0.335\nsamples = 61\nvalue = [48, 13]", fillcolor="#eca36f"] ;
768 -> 772 ;
773 [label="fico <= 659.5\ngini = 0.381\nsamples = 39\nvalue = [29, 10]", fillcolor="#eeac7d"] ;
772 -> 773 ;
774 [label="fico <= 654.5\ngini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
773 -> 774 ;
775 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
774 -> 775 ;
776 [label="int.rate <= 0.165\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
774 -> 776 ;
777 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
776 -> 777 ;
778 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
776 -> 778 ;
779 [label="int.rate <= 0.17\ngini = 0.461\nsamples = 25\nvalue = [16, 9]", fillcolor="#f4c8a8"] ;
773 -> 779 ;
780 [label="int.rate <= 0.164\ngini = 0.434\nsamples = 22\nvalue = [15, 7]", fillcolor="#f1bc95"] ;
779 -> 780 ;
781 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
780 -> 781 ;
782 [label="int.rate <= 0.165\ngini = 0.42\nsamples = 20\nvalue = [14, 6]", fillcolor="#f0b78e"] ;
780 -> 782 ;
783 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
782 -> 783 ;
784 [label="int.rate <= 0.165\ngini = 0.444\nsamples = 18\nvalue = [12, 6]", fillcolor="#f2c09c"] ;
782 -> 784 ;
785 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
784 -> 785 ;
786 [label="int.rate <= 0.166\ngini = 0.415\nsamples = 17\nvalue = [12, 5]", fillcolor="#f0b58b"] ;
784 -> 786 ;
787 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
786 -> 787 ;
788 [label="int.rate <= 0.167\ngini = 0.43\nsamples = 16\nvalue = [11, 5]", fillcolor="#f1ba93"] ;
786 -> 788 ;
789 [label="int.rate <= 0.167\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
788 -> 789 ;
790 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
789 -> 790 ;
791 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
789 -> 791 ;
792 [label="int.rate <= 0.168\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
788 -> 792 ;
793 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
792 -> 793 ;
794 [label="int.rate <= 0.169\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
792 -> 794 ;
795 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
794 -> 795 ;
796 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
794 -> 796 ;
797 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
779 -> 797 ;
798 [label="fico <= 659.5\ngini = 0.236\nsamples = 22\nvalue = [19, 3]", fillcolor="#e99558"] ;
772 -> 798 ;
799 [label="int.rate <= 0.172\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
798 -> 799 ;
800 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
799 -> 800 ;
801 [label="fico <= 654.5\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
799 -> 801 ;
802 [label="int.rate <= 0.173\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
801 -> 802 ;
803 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
802 -> 803 ;
804 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
802 -> 804 ;
805 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
801 -> 805 ;
806 [label="gini = 0.0\nsamples = 12\nvalue = [12, 0]", fillcolor="#e58139"] ;
798 -> 806 ;
807 [label="int.rate <= 0.166\ngini = 0.397\nsamples = 55\nvalue = [40, 15]", fillcolor="#efb083"] ;
767 -> 807 ;
808 [label="int.rate <= 0.165\ngini = 0.436\nsamples = 28\nvalue = [19, 9]", fillcolor="#f1bd97"] ;
807 -> 808 ;
809 [label="int.rate <= 0.163\ngini = 0.363\nsamples = 21\nvalue = [16, 5]", fillcolor="#eda877"] ;
808 -> 809 ;
810 [label="gini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
809 -> 810 ;
811 [label="int.rate <= 0.163\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
809 -> 811 ;
812 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
811 -> 812 ;
813 [label="int.rate <= 0.164\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
811 -> 813 ;
814 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
813 -> 814 ;
815 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
813 -> 815 ;
816 [label="gini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
808 -> 816 ;
817 [label="int.rate <= 0.171\ngini = 0.346\nsamples = 27\nvalue = [21, 6]", fillcolor="#eca572"] ;
807 -> 817 ;
818 [label="int.rate <= 0.17\ngini = 0.291\nsamples = 17\nvalue = [14, 3]", fillcolor="#eb9c63"] ;
817 -> 818 ;
819 [label="int.rate <= 0.169\ngini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
818 -> 819 ;
820 [label="int.rate <= 0.167\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
819 -> 820 ;
821 [label="int.rate <= 0.167\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
820 -> 821 ;
822 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
821 -> 822 ;
823 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
821 -> 823 ;
824 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
820 -> 824 ;
825 [label="int.rate <= 0.169\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
819 -> 825 ;
826 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
825 -> 826 ;
827 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
825 -> 827 ;
828 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
818 -> 828 ;
829 [label="int.rate <= 0.172\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
817 -> 829 ;
830 [label="int.rate <= 0.172\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
829 -> 830 ;
831 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
830 -> 831 ;
832 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
830 -> 832 ;
833 [label="int.rate <= 0.173\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
829 -> 833 ;
834 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
833 -> 834 ;
835 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
833 -> 835 ;
836 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
766 -> 836 ;
837 [label="int.rate <= 0.176\ngini = 0.467\nsamples = 167\nvalue = [105, 62]", fillcolor="#f4cbae"] ;
747 -> 837 ;
838 [label="fico <= 649.5\ngini = 0.475\nsamples = 18\nvalue = [7, 11]", fillcolor="#b7dbf6"] ;
837 -> 838 ;
839 [label="fico <= 619.5\ngini = 0.278\nsamples = 6\nvalue = [1, 5]", fillcolor="#61b1ea"] ;
838 -> 839 ;
840 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
839 -> 840 ;
841 [label="gini = 0.0\nsamples = 5\nvalue = [0, 5]", fillcolor="#399de5"] ;
839 -> 841 ;
842 [label="int.rate <= 0.175\ngini = 0.5\nsamples = 12\nvalue = [6, 6]", fillcolor="#ffffff"] ;
838 -> 842 ;
843 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
842 -> 843 ;
844 [label="int.rate <= 0.176\ngini = 0.496\nsamples = 11\nvalue = [6, 5]", fillcolor="#fbeade"] ;
842 -> 844 ;
845 [label="fico <= 662.0\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
844 -> 845 ;
846 [label="fico <= 654.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
845 -> 846 ;
847 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
846 -> 847 ;
848 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
846 -> 848 ;
849 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
845 -> 849 ;
850 [label="fico <= 664.5\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
844 -> 850 ;
851 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
850 -> 851 ;
852 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
850 -> 852 ;
853 [label="fico <= 649.5\ngini = 0.45\nsamples = 149\nvalue = [98, 51]", fillcolor="#f3c3a0"] ;
837 -> 853 ;
854 [label="int.rate <= 0.183\ngini = 0.285\nsamples = 29\nvalue = [24, 5]", fillcolor="#ea9b62"] ;
853 -> 854 ;
855 [label="int.rate <= 0.18\ngini = 0.388\nsamples = 19\nvalue = [14, 5]", fillcolor="#eeae80"] ;
854 -> 855 ;
856 [label="fico <= 644.5\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
855 -> 856 ;
857 [label="fico <= 614.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
856 -> 857 ;
858 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
857 -> 858 ;
859 [label="int.rate <= 0.179\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
857 -> 859 ;
860 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
859 -> 860 ;
861 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
859 -> 861 ;
862 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
856 -> 862 ;
863 [label="fico <= 644.5\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
855 -> 863 ;
864 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
863 -> 864 ;
865 [label="int.rate <= 0.182\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
863 -> 865 ;
866 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
865 -> 866 ;
867 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
865 -> 867 ;
868 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
854 -> 868 ;
869 [label="int.rate <= 0.214\ngini = 0.473\nsamples = 120\nvalue = [74, 46]", fillcolor="#f5cfb4"] ;
853 -> 869 ;
870 [label="fico <= 659.5\ngini = 0.468\nsamples = 118\nvalue = [74, 44]", fillcolor="#f4ccaf"] ;
869 -> 870 ;
871 [label="int.rate <= 0.18\ngini = 0.499\nsamples = 29\nvalue = [15, 14]", fillcolor="#fdf7f2"] ;
870 -> 871 ;
872 [label="fico <= 654.5\ngini = 0.346\nsamples = 9\nvalue = [2, 7]", fillcolor="#72b9ec"] ;
871 -> 872 ;
873 [label="int.rate <= 0.178\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
872 -> 873 ;
874 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
873 -> 874 ;
875 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
873 -> 875 ;
876 [label="gini = 0.0\nsamples = 4\nvalue = [0, 4]", fillcolor="#399de5"] ;
872 -> 876 ;
877 [label="int.rate <= 0.182\ngini = 0.455\nsamples = 20\nvalue = [13, 7]", fillcolor="#f3c5a4"] ;
871 -> 877 ;
878 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
877 -> 878 ;
879 [label="int.rate <= 0.187\ngini = 0.484\nsamples = 17\nvalue = [10, 7]", fillcolor="#f7d9c4"] ;
877 -> 879 ;
880 [label="fico <= 654.5\ngini = 0.492\nsamples = 16\nvalue = [9, 7]", fillcolor="#f9e3d3"] ;
879 -> 880 ;
881 [label="int.rate <= 0.185\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
880 -> 881 ;
882 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
881 -> 882 ;
883 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
881 -> 883 ;
884 [label="int.rate <= 0.186\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
880 -> 884 ;
885 [label="int.rate <= 0.183\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
884 -> 885 ;
886 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
885 -> 886 ;
887 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
885 -> 887 ;
888 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
884 -> 888 ;
889 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
879 -> 889 ;
890 [label="int.rate <= 0.179\ngini = 0.447\nsamples = 89\nvalue = [59, 30]", fillcolor="#f2c19e"] ;
870 -> 890 ;
891 [label="int.rate <= 0.178\ngini = 0.26\nsamples = 13\nvalue = [11, 2]", fillcolor="#ea985d"] ;
890 -> 891 ;
892 [label="int.rate <= 0.177\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
891 -> 892 ;
893 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
892 -> 893 ;
894 [label="fico <= 664.5\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
892 -> 894 ;
895 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
894 -> 895 ;
896 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
894 -> 896 ;
897 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
891 -> 897 ;
898 [label="int.rate <= 0.18\ngini = 0.465\nsamples = 76\nvalue = [48, 28]", fillcolor="#f4caac"] ;
890 -> 898 ;
899 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
898 -> 899 ;
900 [label="int.rate <= 0.181\ngini = 0.461\nsamples = 75\nvalue = [48, 27]", fillcolor="#f4c8a8"] ;
898 -> 900 ;
901 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
900 -> 901 ;
902 [label="int.rate <= 0.184\ngini = 0.466\nsamples = 73\nvalue = [46, 27]", fillcolor="#f4cbad"] ;
900 -> 902 ;
903 [label="fico <= 664.5\ngini = 0.469\nsamples = 8\nvalue = [3, 5]", fillcolor="#b0d8f5"] ;
902 -> 903 ;
904 [label="int.rate <= 0.183\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
903 -> 904 ;
905 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
904 -> 905 ;
906 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
904 -> 906 ;
907 [label="int.rate <= 0.183\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
903 -> 907 ;
908 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
907 -> 908 ;
909 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
907 -> 909 ;
910 [label="int.rate <= 0.198\ngini = 0.448\nsamples = 65\nvalue = [43, 22]", fillcolor="#f2c19e"] ;
902 -> 910 ;
911 [label="int.rate <= 0.196\ngini = 0.423\nsamples = 46\nvalue = [32, 14]", fillcolor="#f0b890"] ;
910 -> 911 ;
912 [label="fico <= 664.5\ngini = 0.434\nsamples = 44\nvalue = [30, 14]", fillcolor="#f1bc95"] ;
911 -> 912 ;
913 [label="int.rate <= 0.193\ngini = 0.397\nsamples = 22\nvalue = [16, 6]", fillcolor="#efb083"] ;
912 -> 913 ;
914 [label="int.rate <= 0.188\ngini = 0.444\nsamples = 18\nvalue = [12, 6]", fillcolor="#f2c09c"] ;
913 -> 914 ;
915 [label="int.rate <= 0.187\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
914 -> 915 ;
916 [label="int.rate <= 0.186\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
915 -> 916 ;
917 [label="int.rate <= 0.185\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
916 -> 917 ;
918 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
917 -> 918 ;
919 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
917 -> 919 ;
920 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
916 -> 920 ;
921 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
915 -> 921 ;
922 [label="int.rate <= 0.191\ngini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
914 -> 922 ;
923 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
922 -> 923 ;
924 [label="int.rate <= 0.191\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
922 -> 924 ;
925 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
924 -> 925 ;
926 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
924 -> 926 ;
927 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
913 -> 927 ;
928 [label="int.rate <= 0.193\ngini = 0.463\nsamples = 22\nvalue = [14, 8]", fillcolor="#f4c9aa"] ;
912 -> 928 ;
929 [label="int.rate <= 0.188\ngini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
928 -> 929 ;
930 [label="int.rate <= 0.187\ngini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
929 -> 930 ;
931 [label="int.rate <= 0.185\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
930 -> 931 ;
932 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
931 -> 932 ;
933 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
931 -> 933 ;
934 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
930 -> 934 ;
935 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
929 -> 935 ;
936 [label="int.rate <= 0.194\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
928 -> 936 ;
937 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
936 -> 937 ;
938 [label="gini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
936 -> 938 ;
939 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
911 -> 939 ;
940 [label="int.rate <= 0.201\ngini = 0.488\nsamples = 19\nvalue = [11, 8]", fillcolor="#f8ddc9"] ;
910 -> 940 ;
941 [label="fico <= 664.5\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
940 -> 941 ;
942 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
941 -> 942 ;
943 [label="int.rate <= 0.2\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
941 -> 943 ;
944 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
943 -> 944 ;
945 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
943 -> 945 ;
946 [label="fico <= 664.5\ngini = 0.444\nsamples = 12\nvalue = [8, 4]", fillcolor="#f2c09c"] ;
940 -> 946 ;
947 [label="int.rate <= 0.205\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
946 -> 947 ;
948 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
947 -> 948 ;
949 [label="int.rate <= 0.209\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
947 -> 949 ;
950 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
949 -> 950 ;
951 [label="int.rate <= 0.211\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
949 -> 951 ;
952 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
951 -> 952 ;
953 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
951 -> 953 ;
954 [label="int.rate <= 0.21\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
946 -> 954 ;
955 [label="int.rate <= 0.205\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
954 -> 955 ;
956 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
955 -> 956 ;
957 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
955 -> 957 ;
958 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
954 -> 958 ;
959 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
869 -> 959 ;
960 [label="int.rate <= 0.15\ngini = 0.278\nsamples = 6563\nvalue = [5470, 1093]", fillcolor="#ea9a61"] ;
290 -> 960 ;
961 [label="fico <= 709.5\ngini = 0.267\nsamples = 5826\nvalue = [4901, 925]", fillcolor="#ea995e"] ;
960 -> 961 ;
962 [label="int.rate <= 0.125\ngini = 0.286\nsamples = 3182\nvalue = [2633, 549]", fillcolor="#ea9b62"] ;
961 -> 962 ;
963 [label="int.rate <= 0.123\ngini = 0.319\nsamples = 1108\nvalue = [887, 221]", fillcolor="#eba06a"] ;
962 -> 963 ;
964 [label="fico <= 704.5\ngini = 0.314\nsamples = 1078\nvalue = [868, 210]", fillcolor="#eb9f69"] ;
963 -> 964 ;
965 [label="fico <= 684.5\ngini = 0.324\nsamples = 867\nvalue = [691, 176]", fillcolor="#eca16b"] ;
964 -> 965 ;
966 [label="int.rate <= 0.122\ngini = 0.295\nsamples = 234\nvalue = [192, 42]", fillcolor="#eb9d64"] ;
965 -> 966 ;
967 [label="int.rate <= 0.121\ngini = 0.313\nsamples = 206\nvalue = [166, 40]", fillcolor="#eb9f69"] ;
966 -> 967 ;
968 [label="int.rate <= 0.108\ngini = 0.302\nsamples = 200\nvalue = [163, 37]", fillcolor="#eb9e66"] ;
967 -> 968 ;
969 [label="fico <= 679.5\ngini = 0.231\nsamples = 30\nvalue = [26, 4]", fillcolor="#e99457"] ;
968 -> 969 ;
970 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
969 -> 970 ;
971 [label="int.rate <= 0.101\ngini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
969 -> 971 ;
972 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
971 -> 972 ;
973 [label="int.rate <= 0.107\ngini = 0.227\nsamples = 23\nvalue = [20, 3]", fillcolor="#e99457"] ;
971 -> 973 ;
974 [label="int.rate <= 0.106\ngini = 0.245\nsamples = 21\nvalue = [18, 3]", fillcolor="#e9965a"] ;
973 -> 974 ;
975 [label="int.rate <= 0.104\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
974 -> 975 ;
976 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
975 -> 976 ;
977 [label="int.rate <= 0.105\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
975 -> 977 ;
978 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
977 -> 978 ;
979 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
977 -> 979 ;
980 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
974 -> 980 ;
981 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
973 -> 981 ;
982 [label="int.rate <= 0.11\ngini = 0.313\nsamples = 170\nvalue = [137, 33]", fillcolor="#eb9f69"] ;
968 -> 982 ;
983 [label="fico <= 674.5\ngini = 0.473\nsamples = 13\nvalue = [8, 5]", fillcolor="#f5d0b5"] ;
982 -> 983 ;
984 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
983 -> 984 ;
985 [label="fico <= 679.5\ngini = 0.5\nsamples = 10\nvalue = [5, 5]", fillcolor="#ffffff"] ;
983 -> 985 ;
986 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
985 -> 986 ;
987 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
985 -> 987 ;
988 [label="int.rate <= 0.112\ngini = 0.293\nsamples = 157\nvalue = [129, 28]", fillcolor="#eb9c64"] ;
982 -> 988 ;
989 [label="gini = 0.0\nsamples = 15\nvalue = [15, 0]", fillcolor="#e58139"] ;
988 -> 989 ;
990 [label="int.rate <= 0.113\ngini = 0.317\nsamples = 142\nvalue = [114, 28]", fillcolor="#eba06a"] ;
988 -> 990 ;
991 [label="fico <= 674.5\ngini = 0.369\nsamples = 41\nvalue = [31, 10]", fillcolor="#edaa79"] ;
990 -> 991 ;
992 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
991 -> 992 ;
993 [label="fico <= 679.5\ngini = 0.389\nsamples = 34\nvalue = [25, 9]", fillcolor="#eeae80"] ;
991 -> 993 ;
994 [label="int.rate <= 0.113\ngini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
993 -> 994 ;
995 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
994 -> 995 ;
996 [label="int.rate <= 0.113\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
994 -> 996 ;
997 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
996 -> 997 ;
998 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
996 -> 998 ;
999 [label="int.rate <= 0.113\ngini = 0.33\nsamples = 24\nvalue = [19, 5]", fillcolor="#eca26d"] ;
993 -> 999 ;
1000 [label="int.rate <= 0.113\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
999 -> 1000 ;
1001 [label="int.rate <= 0.112\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1000 -> 1001 ;
1002 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1001 -> 1002 ;
1003 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1001 -> 1003 ;
1004 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1000 -> 1004 ;
1005 [label="gini = 0.291\nsamples = 17\nvalue = [14, 3]", fillcolor="#eb9c63"] ;
999 -> 1005 ;
1006 [label="int.rate <= 0.115\ngini = 0.293\nsamples = 101\nvalue = [83, 18]", fillcolor="#eb9c64"] ;
990 -> 1006 ;
1007 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
1006 -> 1007 ;
1008 [label="int.rate <= 0.116\ngini = 0.315\nsamples = 92\nvalue = [74, 18]", fillcolor="#eba069"] ;
1006 -> 1008 ;
1009 [label="fico <= 677.0\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
1008 -> 1009 ;
1010 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1009 -> 1010 ;
1011 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1009 -> 1011 ;
1012 [label="int.rate <= 0.118\ngini = 0.293\nsamples = 84\nvalue = [69, 15]", fillcolor="#eb9c64"] ;
1008 -> 1012 ;
1013 [label="fico <= 674.5\ngini = 0.208\nsamples = 34\nvalue = [30, 4]", fillcolor="#e89253"] ;
1012 -> 1013 ;
1014 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
1013 -> 1014 ;
1015 [label="fico <= 679.5\ngini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
1013 -> 1015 ;
1016 [label="int.rate <= 0.117\ngini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
1015 -> 1016 ;
1017 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1016 -> 1017 ;
1018 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1016 -> 1018 ;
1019 [label="int.rate <= 0.116\ngini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
1015 -> 1019 ;
1020 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1019 -> 1020 ;
1021 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
1019 -> 1021 ;
1022 [label="int.rate <= 0.119\ngini = 0.343\nsamples = 50\nvalue = [39, 11]", fillcolor="#eca571"] ;
1012 -> 1022 ;
1023 [label="int.rate <= 0.119\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1022 -> 1023 ;
1024 [label="fico <= 677.0\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1023 -> 1024 ;
1025 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1024 -> 1025 ;
1026 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1024 -> 1026 ;
1027 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1023 -> 1027 ;
1028 [label="fico <= 674.5\ngini = 0.32\nsamples = 45\nvalue = [36, 9]", fillcolor="#eca06a"] ;
1022 -> 1028 ;
1029 [label="int.rate <= 0.119\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
1028 -> 1029 ;
1030 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1029 -> 1030 ;
1031 [label="int.rate <= 0.12\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
1029 -> 1031 ;
1032 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1031 -> 1032 ;
1033 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1031 -> 1033 ;
1034 [label="int.rate <= 0.119\ngini = 0.278\nsamples = 36\nvalue = [30, 6]", fillcolor="#ea9a61"] ;
1028 -> 1034 ;
1035 [label="fico <= 679.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1034 -> 1035 ;
1036 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1035 -> 1036 ;
1037 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1035 -> 1037 ;
1038 [label="int.rate <= 0.12\ngini = 0.225\nsamples = 31\nvalue = [27, 4]", fillcolor="#e99456"] ;
1034 -> 1038 ;
1039 [label="fico <= 679.5\ngini = 0.278\nsamples = 24\nvalue = [20, 4]", fillcolor="#ea9a61"] ;
1038 -> 1039 ;
1040 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1039 -> 1040 ;
1041 [label="gini = 0.32\nsamples = 15\nvalue = [12, 3]", fillcolor="#eca06a"] ;
1039 -> 1041 ;
1042 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
1038 -> 1042 ;
1043 [label="fico <= 679.5\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
967 -> 1043 ;
1044 [label="fico <= 674.5\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
1043 -> 1044 ;
1045 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1044 -> 1045 ;
1046 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1044 -> 1046 ;
1047 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1043 -> 1047 ;
1048 [label="fico <= 679.5\ngini = 0.133\nsamples = 28\nvalue = [26, 2]", fillcolor="#e78b48"] ;
966 -> 1048 ;
1049 [label="fico <= 674.5\ngini = 0.08\nsamples = 24\nvalue = [23, 1]", fillcolor="#e68642"] ;
1048 -> 1049 ;
1050 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1049 -> 1050 ;
1051 [label="gini = 0.0\nsamples = 13\nvalue = [13, 0]", fillcolor="#e58139"] ;
1049 -> 1051 ;
1052 [label="int.rate <= 0.123\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1048 -> 1052 ;
1053 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1052 -> 1053 ;
1054 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1052 -> 1054 ;
1055 [label="int.rate <= 0.123\ngini = 0.334\nsamples = 633\nvalue = [499, 134]", fillcolor="#eca36e"] ;
965 -> 1055 ;
1056 [label="fico <= 694.5\ngini = 0.33\nsamples = 620\nvalue = [491, 129]", fillcolor="#eca26d"] ;
1055 -> 1056 ;
1057 [label="int.rate <= 0.101\ngini = 0.353\nsamples = 275\nvalue = [212, 63]", fillcolor="#eda674"] ;
1056 -> 1057 ;
1058 [label="fico <= 689.5\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
1057 -> 1058 ;
1059 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1058 -> 1059 ;
1060 [label="int.rate <= 0.096\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1058 -> 1060 ;
1061 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1060 -> 1061 ;
1062 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1060 -> 1062 ;
1063 [label="int.rate <= 0.116\ngini = 0.348\nsamples = 268\nvalue = [208, 60]", fillcolor="#eca572"] ;
1057 -> 1063 ;
1064 [label="int.rate <= 0.114\ngini = 0.367\nsamples = 157\nvalue = [119, 38]", fillcolor="#eda978"] ;
1063 -> 1064 ;
1065 [label="int.rate <= 0.111\ngini = 0.352\nsamples = 149\nvalue = [115, 34]", fillcolor="#eda674"] ;
1064 -> 1065 ;
1066 [label="int.rate <= 0.11\ngini = 0.331\nsamples = 105\nvalue = [83, 22]", fillcolor="#eca26d"] ;
1065 -> 1066 ;
1067 [label="int.rate <= 0.11\ngini = 0.365\nsamples = 75\nvalue = [57, 18]", fillcolor="#eda978"] ;
1066 -> 1067 ;
1068 [label="int.rate <= 0.102\ngini = 0.357\nsamples = 73\nvalue = [56, 17]", fillcolor="#eda775"] ;
1067 -> 1068 ;
1069 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1068 -> 1069 ;
1070 [label="int.rate <= 0.106\ngini = 0.364\nsamples = 71\nvalue = [54, 17]", fillcolor="#eda977"] ;
1068 -> 1070 ;
1071 [label="int.rate <= 0.106\ngini = 0.401\nsamples = 36\nvalue = [26, 10]", fillcolor="#efb185"] ;
1070 -> 1071 ;
1072 [label="int.rate <= 0.105\ngini = 0.382\nsamples = 35\nvalue = [26, 9]", fillcolor="#eead7e"] ;
1071 -> 1072 ;
1073 [label="int.rate <= 0.103\ngini = 0.365\nsamples = 25\nvalue = [19, 6]", fillcolor="#eda978"] ;
1072 -> 1073 ;
1074 [label="fico <= 689.5\ngini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
1073 -> 1074 ;
1075 [label="gini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
1074 -> 1075 ;
1076 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1074 -> 1076 ;
1077 [label="fico <= 689.5\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1073 -> 1077 ;
1078 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1077 -> 1078 ;
1079 [label="int.rate <= 0.104\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1077 -> 1079 ;
1080 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1079 -> 1080 ;
1081 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1079 -> 1081 ;
1082 [label="fico <= 689.5\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
1072 -> 1082 ;
1083 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1082 -> 1083 ;
1084 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1082 -> 1084 ;
1085 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1071 -> 1085 ;
1086 [label="int.rate <= 0.109\ngini = 0.32\nsamples = 35\nvalue = [28, 7]", fillcolor="#eca06a"] ;
1070 -> 1086 ;
1087 [label="int.rate <= 0.108\ngini = 0.305\nsamples = 32\nvalue = [26, 6]", fillcolor="#eb9e67"] ;
1086 -> 1087 ;
1088 [label="int.rate <= 0.107\ngini = 0.34\nsamples = 23\nvalue = [18, 5]", fillcolor="#eca470"] ;
1087 -> 1088 ;
1089 [label="fico <= 689.5\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1088 -> 1089 ;
1090 [label="int.rate <= 0.107\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1089 -> 1090 ;
1091 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1090 -> 1091 ;
1092 [label="gini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
1090 -> 1092 ;
1093 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1089 -> 1093 ;
1094 [label="fico <= 689.5\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
1088 -> 1094 ;
1095 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1094 -> 1095 ;
1096 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1094 -> 1096 ;
1097 [label="fico <= 689.5\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1087 -> 1097 ;
1098 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1097 -> 1098 ;
1099 [label="int.rate <= 0.109\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1097 -> 1099 ;
1100 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1099 -> 1100 ;
1101 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1099 -> 1101 ;
1102 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1086 -> 1102 ;
1103 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1067 -> 1103 ;
1104 [label="int.rate <= 0.11\ngini = 0.231\nsamples = 30\nvalue = [26, 4]", fillcolor="#e99457"] ;
1066 -> 1104 ;
1105 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
1104 -> 1105 ;
1106 [label="fico <= 689.5\ngini = 0.287\nsamples = 23\nvalue = [19, 4]", fillcolor="#ea9c63"] ;
1104 -> 1106 ;
1107 [label="gini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1106 -> 1107 ;
1108 [label="gini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
1106 -> 1108 ;
1109 [label="int.rate <= 0.112\ngini = 0.397\nsamples = 44\nvalue = [32, 12]", fillcolor="#efb083"] ;
1065 -> 1109 ;
1110 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1109 -> 1110 ;
1111 [label="int.rate <= 0.113\ngini = 0.363\nsamples = 42\nvalue = [32, 10]", fillcolor="#eda877"] ;
1109 -> 1111 ;
1112 [label="fico <= 689.5\ngini = 0.444\nsamples = 12\nvalue = [8, 4]", fillcolor="#f2c09c"] ;
1111 -> 1112 ;
1113 [label="int.rate <= 0.113\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
1112 -> 1113 ;
1114 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1113 -> 1114 ;
1115 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1113 -> 1115 ;
1116 [label="int.rate <= 0.113\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1112 -> 1116 ;
1117 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1116 -> 1117 ;
1118 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1116 -> 1118 ;
1119 [label="fico <= 689.5\ngini = 0.32\nsamples = 30\nvalue = [24, 6]", fillcolor="#eca06a"] ;
1111 -> 1119 ;
1120 [label="int.rate <= 0.113\ngini = 0.308\nsamples = 21\nvalue = [17, 4]", fillcolor="#eb9f68"] ;
1119 -> 1120 ;
1121 [label="gini = 0.26\nsamples = 13\nvalue = [11, 2]", fillcolor="#ea985d"] ;
1120 -> 1121 ;
1122 [label="int.rate <= 0.114\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
1120 -> 1122 ;
1123 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1122 -> 1123 ;
1124 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1122 -> 1124 ;
1125 [label="int.rate <= 0.113\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
1119 -> 1125 ;
1126 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1125 -> 1126 ;
1127 [label="int.rate <= 0.114\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1125 -> 1127 ;
1128 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1127 -> 1128 ;
1129 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1127 -> 1129 ;
1130 [label="fico <= 689.5\ngini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
1064 -> 1130 ;
1131 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1130 -> 1131 ;
1132 [label="int.rate <= 0.116\ngini = 0.444\nsamples = 6\nvalue = [2, 4]", fillcolor="#9ccef2"] ;
1130 -> 1132 ;
1133 [label="int.rate <= 0.115\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
1132 -> 1133 ;
1134 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1133 -> 1134 ;
1135 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1133 -> 1135 ;
1136 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1132 -> 1136 ;
1137 [label="int.rate <= 0.119\ngini = 0.318\nsamples = 111\nvalue = [89, 22]", fillcolor="#eba06a"] ;
1063 -> 1137 ;
1138 [label="int.rate <= 0.119\ngini = 0.278\nsamples = 48\nvalue = [40, 8]", fillcolor="#ea9a61"] ;
1137 -> 1138 ;
1139 [label="int.rate <= 0.118\ngini = 0.292\nsamples = 45\nvalue = [37, 8]", fillcolor="#eb9c64"] ;
1138 -> 1139 ;
1140 [label="fico <= 689.5\ngini = 0.311\nsamples = 26\nvalue = [21, 5]", fillcolor="#eb9f68"] ;
1139 -> 1140 ;
1141 [label="int.rate <= 0.116\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
1140 -> 1141 ;
1142 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1141 -> 1142 ;
1143 [label="int.rate <= 0.117\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1141 -> 1143 ;
1144 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
1143 -> 1144 ;
1145 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1143 -> 1145 ;
1146 [label="int.rate <= 0.117\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
1140 -> 1146 ;
1147 [label="int.rate <= 0.116\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1146 -> 1147 ;
1148 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1147 -> 1148 ;
1149 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1147 -> 1149 ;
1150 [label="int.rate <= 0.117\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1146 -> 1150 ;
1151 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1150 -> 1151 ;
1152 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1150 -> 1152 ;
1153 [label="fico <= 689.5\ngini = 0.266\nsamples = 19\nvalue = [16, 3]", fillcolor="#ea995e"] ;
1139 -> 1153 ;
1154 [label="int.rate <= 0.119\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1153 -> 1154 ;
1155 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1154 -> 1155 ;
1156 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1154 -> 1156 ;
1157 [label="int.rate <= 0.119\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1153 -> 1157 ;
1158 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1157 -> 1158 ;
1159 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1157 -> 1159 ;
1160 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1138 -> 1160 ;
1161 [label="fico <= 689.5\ngini = 0.346\nsamples = 63\nvalue = [49, 14]", fillcolor="#eca572"] ;
1137 -> 1161 ;
1162 [label="int.rate <= 0.122\ngini = 0.42\nsamples = 20\nvalue = [14, 6]", fillcolor="#f0b78e"] ;
1161 -> 1162 ;
1163 [label="int.rate <= 0.121\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
1162 -> 1163 ;
1164 [label="int.rate <= 0.12\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
1163 -> 1164 ;
1165 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1164 -> 1165 ;
1166 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1164 -> 1166 ;
1167 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1163 -> 1167 ;
1168 [label="int.rate <= 0.122\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
1162 -> 1168 ;
1169 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
1168 -> 1169 ;
1170 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1168 -> 1170 ;
1171 [label="int.rate <= 0.122\ngini = 0.303\nsamples = 43\nvalue = [35, 8]", fillcolor="#eb9e66"] ;
1161 -> 1171 ;
1172 [label="int.rate <= 0.121\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
1171 -> 1172 ;
1173 [label="int.rate <= 0.12\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1172 -> 1173 ;
1174 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1173 -> 1174 ;
1175 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1173 -> 1175 ;
1176 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1172 -> 1176 ;
1177 [label="int.rate <= 0.122\ngini = 0.264\nsamples = 32\nvalue = [27, 5]", fillcolor="#ea985e"] ;
1171 -> 1177 ;
1178 [label="gini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
1177 -> 1178 ;
1179 [label="int.rate <= 0.122\ngini = 0.332\nsamples = 19\nvalue = [15, 4]", fillcolor="#eca36e"] ;
1177 -> 1179 ;
1180 [label="gini = 0.346\nsamples = 18\nvalue = [14, 4]", fillcolor="#eca572"] ;
1179 -> 1180 ;
1181 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1179 -> 1181 ;
1182 [label="int.rate <= 0.12\ngini = 0.309\nsamples = 345\nvalue = [279, 66]", fillcolor="#eb9f68"] ;
1056 -> 1182 ;
1183 [label="int.rate <= 0.117\ngini = 0.288\nsamples = 275\nvalue = [227, 48]", fillcolor="#ea9c63"] ;
1182 -> 1183 ;
1184 [label="int.rate <= 0.116\ngini = 0.318\nsamples = 207\nvalue = [166, 41]", fillcolor="#eba06a"] ;
1183 -> 1184 ;
1185 [label="fico <= 699.5\ngini = 0.305\nsamples = 197\nvalue = [160, 37]", fillcolor="#eb9e67"] ;
1184 -> 1185 ;
1186 [label="int.rate <= 0.114\ngini = 0.354\nsamples = 87\nvalue = [67, 20]", fillcolor="#eda774"] ;
1185 -> 1186 ;
1187 [label="int.rate <= 0.1\ngini = 0.32\nsamples = 80\nvalue = [64, 16]", fillcolor="#eca06a"] ;
1186 -> 1187 ;
1188 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
1187 -> 1188 ;
1189 [label="int.rate <= 0.101\ngini = 0.346\nsamples = 72\nvalue = [56, 16]", fillcolor="#eca572"] ;
1187 -> 1189 ;
1190 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1189 -> 1190 ;
1191 [label="int.rate <= 0.11\ngini = 0.327\nsamples = 68\nvalue = [54, 14]", fillcolor="#eca26c"] ;
1189 -> 1191 ;
1192 [label="int.rate <= 0.109\ngini = 0.263\nsamples = 45\nvalue = [38, 7]", fillcolor="#ea985d"] ;
1191 -> 1192 ;
1193 [label="int.rate <= 0.104\ngini = 0.32\nsamples = 35\nvalue = [28, 7]", fillcolor="#eca06a"] ;
1192 -> 1193 ;
1194 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1193 -> 1194 ;
1195 [label="int.rate <= 0.104\ngini = 0.358\nsamples = 30\nvalue = [23, 7]", fillcolor="#eda775"] ;
1193 -> 1195 ;
1196 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1195 -> 1196 ;
1197 [label="int.rate <= 0.107\ngini = 0.32\nsamples = 25\nvalue = [20, 5]", fillcolor="#eca06a"] ;
1195 -> 1197 ;
1198 [label="int.rate <= 0.106\ngini = 0.231\nsamples = 15\nvalue = [13, 2]", fillcolor="#e99457"] ;
1197 -> 1198 ;
1199 [label="int.rate <= 0.105\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1198 -> 1199 ;
1200 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1199 -> 1200 ;
1201 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1199 -> 1201 ;
1202 [label="int.rate <= 0.107\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1198 -> 1202 ;
1203 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1202 -> 1203 ;
1204 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1202 -> 1204 ;
1205 [label="int.rate <= 0.109\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
1197 -> 1205 ;
1206 [label="int.rate <= 0.108\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1205 -> 1206 ;
1207 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1206 -> 1207 ;
1208 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1206 -> 1208 ;
1209 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1205 -> 1209 ;
1210 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
1192 -> 1210 ;
1211 [label="int.rate <= 0.113\ngini = 0.423\nsamples = 23\nvalue = [16, 7]", fillcolor="#f0b890"] ;
1191 -> 1211 ;
1212 [label="int.rate <= 0.112\ngini = 0.5\nsamples = 12\nvalue = [6, 6]", fillcolor="#ffffff"] ;
1211 -> 1212 ;
1213 [label="int.rate <= 0.111\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
1212 -> 1213 ;
1214 [label="int.rate <= 0.111\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
1213 -> 1214 ;
1215 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1214 -> 1215 ;
1216 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1214 -> 1216 ;
1217 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1213 -> 1217 ;
1218 [label="gini = 0.0\nsamples = 3\nvalue = [0, 3]", fillcolor="#399de5"] ;
1212 -> 1218 ;
1219 [label="int.rate <= 0.113\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1211 -> 1219 ;
1220 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1219 -> 1220 ;
1221 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
1219 -> 1221 ;
1222 [label="int.rate <= 0.116\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
1186 -> 1222 ;
1223 [label="gini = 0.0\nsamples = 4\nvalue = [0, 4]", fillcolor="#399de5"] ;
1222 -> 1223 ;
1224 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1222 -> 1224 ;
1225 [label="int.rate <= 0.112\ngini = 0.261\nsamples = 110\nvalue = [93, 17]", fillcolor="#ea985d"] ;
1185 -> 1225 ;
1226 [label="int.rate <= 0.106\ngini = 0.323\nsamples = 79\nvalue = [63, 16]", fillcolor="#eca16b"] ;
1225 -> 1226 ;
1227 [label="int.rate <= 0.101\ngini = 0.254\nsamples = 47\nvalue = [40, 7]", fillcolor="#ea975c"] ;
1226 -> 1227 ;
1228 [label="int.rate <= 0.098\ngini = 0.351\nsamples = 22\nvalue = [17, 5]", fillcolor="#eda673"] ;
1227 -> 1228 ;
1229 [label="int.rate <= 0.095\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
1228 -> 1229 ;
1230 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1229 -> 1230 ;
1231 [label="int.rate <= 0.097\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1229 -> 1231 ;
1232 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1231 -> 1232 ;
1233 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1231 -> 1233 ;
1234 [label="int.rate <= 0.099\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
1228 -> 1234 ;
1235 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1234 -> 1235 ;
1236 [label="int.rate <= 0.1\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
1234 -> 1236 ;
1237 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1236 -> 1237 ;
1238 [label="int.rate <= 0.1\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1236 -> 1238 ;
1239 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1238 -> 1239 ;
1240 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1238 -> 1240 ;
1241 [label="int.rate <= 0.104\ngini = 0.147\nsamples = 25\nvalue = [23, 2]", fillcolor="#e78c4a"] ;
1227 -> 1241 ;
1242 [label="int.rate <= 0.102\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
1241 -> 1242 ;
1243 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1242 -> 1243 ;
1244 [label="int.rate <= 0.103\ngini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
1242 -> 1244 ;
1245 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1244 -> 1245 ;
1246 [label="int.rate <= 0.104\ngini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
1244 -> 1246 ;
1247 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1246 -> 1247 ;
1248 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1246 -> 1248 ;
1249 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1241 -> 1249 ;
1250 [label="int.rate <= 0.108\ngini = 0.404\nsamples = 32\nvalue = [23, 9]", fillcolor="#efb286"] ;
1226 -> 1250 ;
1251 [label="int.rate <= 0.107\ngini = 0.484\nsamples = 17\nvalue = [10, 7]", fillcolor="#f7d9c4"] ;
1250 -> 1251 ;
1252 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1251 -> 1252 ;
1253 [label="int.rate <= 0.107\ngini = 0.469\nsamples = 16\nvalue = [10, 6]", fillcolor="#f5cdb0"] ;
1251 -> 1253 ;
1254 [label="gini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
1253 -> 1254 ;
1255 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
1253 -> 1255 ;
1256 [label="int.rate <= 0.11\ngini = 0.231\nsamples = 15\nvalue = [13, 2]", fillcolor="#e99457"] ;
1250 -> 1256 ;
1257 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1256 -> 1257 ;
1258 [label="int.rate <= 0.111\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1256 -> 1258 ;
1259 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1258 -> 1259 ;
1260 [label="int.rate <= 0.111\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1258 -> 1260 ;
1261 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1260 -> 1261 ;
1262 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1260 -> 1262 ;
1263 [label="int.rate <= 0.115\ngini = 0.062\nsamples = 31\nvalue = [30, 1]", fillcolor="#e68540"] ;
1225 -> 1263 ;
1264 [label="gini = 0.0\nsamples = 20\nvalue = [20, 0]", fillcolor="#e58139"] ;
1263 -> 1264 ;
1265 [label="int.rate <= 0.115\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1263 -> 1265 ;
1266 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
1265 -> 1266 ;
1267 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1265 -> 1267 ;
1268 [label="fico <= 699.5\ngini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
1184 -> 1268 ;
1269 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1268 -> 1269 ;
1270 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1268 -> 1270 ;
1271 [label="int.rate <= 0.118\ngini = 0.185\nsamples = 68\nvalue = [61, 7]", fillcolor="#e88f50"] ;
1183 -> 1271 ;
1272 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1271 -> 1272 ;
1273 [label="int.rate <= 0.119\ngini = 0.198\nsamples = 63\nvalue = [56, 7]", fillcolor="#e89152"] ;
1271 -> 1273 ;
1274 [label="fico <= 699.5\ngini = 0.188\nsamples = 57\nvalue = [51, 6]", fillcolor="#e89050"] ;
1273 -> 1274 ;
1275 [label="int.rate <= 0.119\ngini = 0.153\nsamples = 24\nvalue = [22, 2]", fillcolor="#e78c4b"] ;
1274 -> 1275 ;
1276 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1275 -> 1276 ;
1277 [label="gini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
1275 -> 1277 ;
1278 [label="int.rate <= 0.119\ngini = 0.213\nsamples = 33\nvalue = [29, 4]", fillcolor="#e99254"] ;
1274 -> 1278 ;
1279 [label="int.rate <= 0.119\ngini = 0.219\nsamples = 32\nvalue = [28, 4]", fillcolor="#e99355"] ;
1278 -> 1279 ;
1280 [label="gini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
1279 -> 1280 ;
1281 [label="gini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
1279 -> 1281 ;
1282 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1278 -> 1282 ;
1283 [label="fico <= 699.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1273 -> 1283 ;
1284 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1283 -> 1284 ;
1285 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1283 -> 1285 ;
1286 [label="int.rate <= 0.122\ngini = 0.382\nsamples = 70\nvalue = [52, 18]", fillcolor="#eead7e"] ;
1182 -> 1286 ;
1287 [label="int.rate <= 0.121\ngini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
1286 -> 1287 ;
1288 [label="fico <= 699.5\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
1287 -> 1288 ;
1289 [label="int.rate <= 0.121\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1288 -> 1289 ;
1290 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1289 -> 1290 ;
1291 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1289 -> 1291 ;
1292 [label="int.rate <= 0.121\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1288 -> 1292 ;
1293 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1292 -> 1293 ;
1294 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1292 -> 1294 ;
1295 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1287 -> 1295 ;
1296 [label="fico <= 699.5\ngini = 0.35\nsamples = 62\nvalue = [48, 14]", fillcolor="#eda673"] ;
1286 -> 1296 ;
1297 [label="int.rate <= 0.122\ngini = 0.264\nsamples = 32\nvalue = [27, 5]", fillcolor="#ea985e"] ;
1296 -> 1297 ;
1298 [label="gini = 0.308\nsamples = 21\nvalue = [17, 4]", fillcolor="#eb9f68"] ;
1297 -> 1298 ;
1299 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1297 -> 1299 ;
1300 [label="int.rate <= 0.122\ngini = 0.42\nsamples = 30\nvalue = [21, 9]", fillcolor="#f0b78e"] ;
1296 -> 1300 ;
1301 [label="gini = 0.473\nsamples = 13\nvalue = [8, 5]", fillcolor="#f5d0b5"] ;
1300 -> 1301 ;
1302 [label="gini = 0.36\nsamples = 17\nvalue = [13, 4]", fillcolor="#eda876"] ;
1300 -> 1302 ;
1303 [label="fico <= 697.0\ngini = 0.473\nsamples = 13\nvalue = [8, 5]", fillcolor="#f5d0b5"] ;
1055 -> 1303 ;
1304 [label="fico <= 689.5\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
1303 -> 1304 ;
1305 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1304 -> 1305 ;
1306 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1304 -> 1306 ;
1307 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1303 -> 1307 ;
1308 [label="int.rate <= 0.101\ngini = 0.27\nsamples = 211\nvalue = [177, 34]", fillcolor="#ea995f"] ;
964 -> 1308 ;
1309 [label="int.rate <= 0.1\ngini = 0.367\nsamples = 33\nvalue = [25, 8]", fillcolor="#eda978"] ;
1308 -> 1309 ;
1310 [label="int.rate <= 0.097\ngini = 0.219\nsamples = 24\nvalue = [21, 3]", fillcolor="#e99355"] ;
1309 -> 1310 ;
1311 [label="int.rate <= 0.095\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1310 -> 1311 ;
1312 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1311 -> 1312 ;
1313 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1311 -> 1313 ;
1314 [label="int.rate <= 0.099\ngini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
1310 -> 1314 ;
1315 [label="int.rate <= 0.097\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1314 -> 1315 ;
1316 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1315 -> 1316 ;
1317 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1315 -> 1317 ;
1318 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
1314 -> 1318 ;
1319 [label="gini = 0.494\nsamples = 9\nvalue = [4, 5]", fillcolor="#d7ebfa"] ;
1309 -> 1319 ;
1320 [label="int.rate <= 0.119\ngini = 0.249\nsamples = 178\nvalue = [152, 26]", fillcolor="#e9975b"] ;
1308 -> 1320 ;
1321 [label="int.rate <= 0.117\ngini = 0.214\nsamples = 115\nvalue = [101, 14]", fillcolor="#e99254"] ;
1320 -> 1321 ;
1322 [label="int.rate <= 0.117\ngini = 0.236\nsamples = 95\nvalue = [82, 13]", fillcolor="#e99558"] ;
1321 -> 1322 ;
1323 [label="int.rate <= 0.105\ngini = 0.223\nsamples = 94\nvalue = [82, 12]", fillcolor="#e99356"] ;
1322 -> 1323 ;
1324 [label="int.rate <= 0.103\ngini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
1323 -> 1324 ;
1325 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1324 -> 1325 ;
1326 [label="int.rate <= 0.104\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1324 -> 1326 ;
1327 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1326 -> 1327 ;
1328 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1326 -> 1328 ;
1329 [label="int.rate <= 0.107\ngini = 0.242\nsamples = 78\nvalue = [67, 11]", fillcolor="#e9965a"] ;
1323 -> 1329 ;
1330 [label="int.rate <= 0.106\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
1329 -> 1330 ;
1331 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1330 -> 1331 ;
1332 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
1330 -> 1332 ;
1333 [label="int.rate <= 0.11\ngini = 0.21\nsamples = 67\nvalue = [59, 8]", fillcolor="#e99254"] ;
1329 -> 1333 ;
1334 [label="int.rate <= 0.109\ngini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
1333 -> 1334 ;
1335 [label="int.rate <= 0.109\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1334 -> 1335 ;
1336 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1335 -> 1336 ;
1337 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1335 -> 1337 ;
1338 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
1334 -> 1338 ;
1339 [label="int.rate <= 0.111\ngini = 0.241\nsamples = 50\nvalue = [43, 7]", fillcolor="#e99659"] ;
1333 -> 1339 ;
1340 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1339 -> 1340 ;
1341 [label="int.rate <= 0.113\ngini = 0.198\nsamples = 45\nvalue = [40, 5]", fillcolor="#e89152"] ;
1339 -> 1341 ;
1342 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
1341 -> 1342 ;
1343 [label="int.rate <= 0.116\ngini = 0.245\nsamples = 35\nvalue = [30, 5]", fillcolor="#e9965a"] ;
1341 -> 1343 ;
1344 [label="int.rate <= 0.115\ngini = 0.271\nsamples = 31\nvalue = [26, 5]", fillcolor="#ea995f"] ;
1343 -> 1344 ;
1345 [label="int.rate <= 0.114\ngini = 0.245\nsamples = 21\nvalue = [18, 3]", fillcolor="#e9965a"] ;
1344 -> 1345 ;
1346 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1345 -> 1346 ;
1347 [label="int.rate <= 0.115\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
1345 -> 1347 ;
1348 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
1347 -> 1348 ;
1349 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1347 -> 1349 ;
1350 [label="int.rate <= 0.116\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1344 -> 1350 ;
1351 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1350 -> 1351 ;
1352 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1350 -> 1352 ;
1353 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1343 -> 1353 ;
1354 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1322 -> 1354 ;
1355 [label="int.rate <= 0.118\ngini = 0.095\nsamples = 20\nvalue = [19, 1]", fillcolor="#e68843"] ;
1321 -> 1355 ;
1356 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1355 -> 1356 ;
1357 [label="gini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
1355 -> 1357 ;
1358 [label="int.rate <= 0.119\ngini = 0.308\nsamples = 63\nvalue = [51, 12]", fillcolor="#eb9f68"] ;
1320 -> 1358 ;
1359 [label="gini = 0.426\nsamples = 13\nvalue = [9, 4]", fillcolor="#f1b991"] ;
1358 -> 1359 ;
1360 [label="int.rate <= 0.123\ngini = 0.269\nsamples = 50\nvalue = [42, 8]", fillcolor="#ea995f"] ;
1358 -> 1360 ;
1361 [label="int.rate <= 0.121\ngini = 0.254\nsamples = 47\nvalue = [40, 7]", fillcolor="#ea975c"] ;
1360 -> 1361 ;
1362 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1361 -> 1362 ;
1363 [label="int.rate <= 0.122\ngini = 0.268\nsamples = 44\nvalue = [37, 7]", fillcolor="#ea995e"] ;
1361 -> 1363 ;
1364 [label="gini = 0.293\nsamples = 28\nvalue = [23, 5]", fillcolor="#eb9c64"] ;
1363 -> 1364 ;
1365 [label="gini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
1363 -> 1365 ;
1366 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1360 -> 1366 ;
1367 [label="fico <= 699.5\ngini = 0.464\nsamples = 30\nvalue = [19, 11]", fillcolor="#f4caac"] ;
963 -> 1367 ;
1368 [label="int.rate <= 0.124\ngini = 0.423\nsamples = 23\nvalue = [16, 7]", fillcolor="#f0b890"] ;
1367 -> 1368 ;
1369 [label="fico <= 694.5\ngini = 0.465\nsamples = 19\nvalue = [12, 7]", fillcolor="#f4caac"] ;
1368 -> 1369 ;
1370 [label="fico <= 689.5\ngini = 0.475\nsamples = 18\nvalue = [11, 7]", fillcolor="#f6d1b7"] ;
1369 -> 1370 ;
1371 [label="fico <= 684.5\ngini = 0.459\nsamples = 14\nvalue = [9, 5]", fillcolor="#f3c7a7"] ;
1370 -> 1371 ;
1372 [label="fico <= 674.5\ngini = 0.473\nsamples = 13\nvalue = [8, 5]", fillcolor="#f5d0b5"] ;
1371 -> 1372 ;
1373 [label="int.rate <= 0.124\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1372 -> 1373 ;
1374 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1373 -> 1374 ;
1375 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1373 -> 1375 ;
1376 [label="int.rate <= 0.124\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
1372 -> 1376 ;
1377 [label="fico <= 679.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1376 -> 1377 ;
1378 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1377 -> 1378 ;
1379 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1377 -> 1379 ;
1380 [label="fico <= 679.5\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1376 -> 1380 ;
1381 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1380 -> 1381 ;
1382 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1380 -> 1382 ;
1383 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1371 -> 1383 ;
1384 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1370 -> 1384 ;
1385 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1369 -> 1385 ;
1386 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1368 -> 1386 ;
1387 [label="int.rate <= 0.124\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
1367 -> 1387 ;
1388 [label="int.rate <= 0.124\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1387 -> 1388 ;
1389 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1388 -> 1389 ;
1390 [label="fico <= 704.5\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1388 -> 1390 ;
1391 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1390 -> 1391 ;
1392 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1390 -> 1392 ;
1393 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1387 -> 1393 ;
1394 [label="int.rate <= 0.129\ngini = 0.266\nsamples = 2074\nvalue = [1746, 328]", fillcolor="#ea995e"] ;
962 -> 1394 ;
1395 [label="fico <= 689.5\ngini = 0.212\nsamples = 530\nvalue = [466, 64]", fillcolor="#e99254"] ;
1394 -> 1395 ;
1396 [label="int.rate <= 0.128\ngini = 0.261\nsamples = 201\nvalue = [170, 31]", fillcolor="#ea985d"] ;
1395 -> 1396 ;
1397 [label="fico <= 679.5\ngini = 0.308\nsamples = 142\nvalue = [115, 27]", fillcolor="#eb9f67"] ;
1396 -> 1397 ;
1398 [label="int.rate <= 0.127\ngini = 0.367\nsamples = 33\nvalue = [25, 8]", fillcolor="#eda978"] ;
1397 -> 1398 ;
1399 [label="int.rate <= 0.125\ngini = 0.426\nsamples = 26\nvalue = [18, 8]", fillcolor="#f1b991"] ;
1398 -> 1399 ;
1400 [label="fico <= 674.5\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
1399 -> 1400 ;
1401 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1400 -> 1401 ;
1402 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1400 -> 1402 ;
1403 [label="fico <= 674.5\ngini = 0.388\nsamples = 19\nvalue = [14, 5]", fillcolor="#eeae80"] ;
1399 -> 1403 ;
1404 [label="int.rate <= 0.126\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1403 -> 1404 ;
1405 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1404 -> 1405 ;
1406 [label="int.rate <= 0.127\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
1404 -> 1406 ;
1407 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1406 -> 1407 ;
1408 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1406 -> 1408 ;
1409 [label="int.rate <= 0.126\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
1403 -> 1409 ;
1410 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1409 -> 1410 ;
1411 [label="int.rate <= 0.127\ngini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
1409 -> 1411 ;
1412 [label="int.rate <= 0.126\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
1411 -> 1412 ;
1413 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1412 -> 1413 ;
1414 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1412 -> 1414 ;
1415 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1411 -> 1415 ;
1416 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
1398 -> 1416 ;
1417 [label="int.rate <= 0.128\ngini = 0.288\nsamples = 109\nvalue = [90, 19]", fillcolor="#ea9c63"] ;
1397 -> 1417 ;
1418 [label="int.rate <= 0.127\ngini = 0.242\nsamples = 78\nvalue = [67, 11]", fillcolor="#e9965a"] ;
1417 -> 1418 ;
1419 [label="fico <= 684.5\ngini = 0.267\nsamples = 63\nvalue = [53, 10]", fillcolor="#ea995e"] ;
1418 -> 1419 ;
1420 [label="int.rate <= 0.125\ngini = 0.147\nsamples = 25\nvalue = [23, 2]", fillcolor="#e78c4a"] ;
1419 -> 1420 ;
1421 [label="gini = 0.165\nsamples = 22\nvalue = [20, 2]", fillcolor="#e88e4d"] ;
1420 -> 1421 ;
1422 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1420 -> 1422 ;
1423 [label="int.rate <= 0.125\ngini = 0.332\nsamples = 38\nvalue = [30, 8]", fillcolor="#eca36e"] ;
1419 -> 1423 ;
1424 [label="gini = 0.278\nsamples = 30\nvalue = [25, 5]", fillcolor="#ea9a61"] ;
1423 -> 1424 ;
1425 [label="int.rate <= 0.126\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
1423 -> 1425 ;
1426 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1425 -> 1426 ;
1427 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1425 -> 1427 ;
1428 [label="fico <= 684.5\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
1418 -> 1428 ;
1429 [label="int.rate <= 0.127\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1428 -> 1429 ;
1430 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1429 -> 1430 ;
1431 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1429 -> 1431 ;
1432 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
1428 -> 1432 ;
1433 [label="int.rate <= 0.128\ngini = 0.383\nsamples = 31\nvalue = [23, 8]", fillcolor="#eead7e"] ;
1417 -> 1433 ;
1434 [label="fico <= 684.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1433 -> 1434 ;
1435 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1434 -> 1435 ;
1436 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1434 -> 1436 ;
1437 [label="fico <= 684.5\ngini = 0.337\nsamples = 28\nvalue = [22, 6]", fillcolor="#eca36f"] ;
1433 -> 1437 ;
1438 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1437 -> 1438 ;
1439 [label="gini = 0.346\nsamples = 18\nvalue = [14, 4]", fillcolor="#eca572"] ;
1437 -> 1439 ;
1440 [label="fico <= 684.5\ngini = 0.126\nsamples = 59\nvalue = [55, 4]", fillcolor="#e78a47"] ;
1396 -> 1440 ;
1441 [label="int.rate <= 0.129\ngini = 0.191\nsamples = 28\nvalue = [25, 3]", fillcolor="#e89051"] ;
1440 -> 1441 ;
1442 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
1441 -> 1442 ;
1443 [label="fico <= 679.5\ngini = 0.236\nsamples = 22\nvalue = [19, 3]", fillcolor="#e99558"] ;
1441 -> 1443 ;
1444 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
1443 -> 1444 ;
1445 [label="gini = 0.231\nsamples = 15\nvalue = [13, 2]", fillcolor="#e99457"] ;
1443 -> 1445 ;
1446 [label="gini = 0.062\nsamples = 31\nvalue = [30, 1]", fillcolor="#e68540"] ;
1440 -> 1446 ;
1447 [label="int.rate <= 0.128\ngini = 0.18\nsamples = 329\nvalue = [296, 33]", fillcolor="#e88f4f"] ;
1395 -> 1447 ;
1448 [label="int.rate <= 0.126\ngini = 0.153\nsamples = 180\nvalue = [165, 15]", fillcolor="#e78c4b"] ;
1447 -> 1448 ;
1449 [label="int.rate <= 0.126\ngini = 0.168\nsamples = 151\nvalue = [137, 14]", fillcolor="#e88e4d"] ;
1448 -> 1449 ;
1450 [label="int.rate <= 0.125\ngini = 0.153\nsamples = 144\nvalue = [132, 12]", fillcolor="#e78c4b"] ;
1449 -> 1450 ;
1451 [label="fico <= 699.5\ngini = 0.155\nsamples = 142\nvalue = [130, 12]", fillcolor="#e78d4b"] ;
1450 -> 1451 ;
1452 [label="fico <= 694.5\ngini = 0.168\nsamples = 65\nvalue = [59, 6]", fillcolor="#e88e4d"] ;
1451 -> 1452 ;
1453 [label="gini = 0.133\nsamples = 28\nvalue = [26, 2]", fillcolor="#e78b48"] ;
1452 -> 1453 ;
1454 [label="gini = 0.193\nsamples = 37\nvalue = [33, 4]", fillcolor="#e89051"] ;
1452 -> 1454 ;
1455 [label="fico <= 704.5\ngini = 0.144\nsamples = 77\nvalue = [71, 6]", fillcolor="#e78c4a"] ;
1451 -> 1455 ;
1456 [label="gini = 0.133\nsamples = 42\nvalue = [39, 3]", fillcolor="#e78b48"] ;
1455 -> 1456 ;
1457 [label="gini = 0.157\nsamples = 35\nvalue = [32, 3]", fillcolor="#e78d4c"] ;
1455 -> 1457 ;
1458 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1450 -> 1458 ;
1459 [label="fico <= 704.5\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1449 -> 1459 ;
1460 [label="fico <= 694.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1459 -> 1460 ;
1461 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1460 -> 1461 ;
1462 [label="fico <= 699.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1460 -> 1462 ;
1463 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1462 -> 1463 ;
1464 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1462 -> 1464 ;
1465 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1459 -> 1465 ;
1466 [label="fico <= 694.5\ngini = 0.067\nsamples = 29\nvalue = [28, 1]", fillcolor="#e68640"] ;
1448 -> 1466 ;
1467 [label="int.rate <= 0.127\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1466 -> 1467 ;
1468 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1467 -> 1468 ;
1469 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1467 -> 1469 ;
1470 [label="gini = 0.0\nsamples = 21\nvalue = [21, 0]", fillcolor="#e58139"] ;
1466 -> 1470 ;
1471 [label="fico <= 699.5\ngini = 0.212\nsamples = 149\nvalue = [131, 18]", fillcolor="#e99254"] ;
1447 -> 1471 ;
1472 [label="int.rate <= 0.129\ngini = 0.247\nsamples = 83\nvalue = [71, 12]", fillcolor="#e9965a"] ;
1471 -> 1472 ;
1473 [label="fico <= 694.5\ngini = 0.32\nsamples = 30\nvalue = [24, 6]", fillcolor="#eca06a"] ;
1472 -> 1473 ;
1474 [label="gini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
1473 -> 1474 ;
1475 [label="gini = 0.332\nsamples = 19\nvalue = [15, 4]", fillcolor="#eca36e"] ;
1473 -> 1475 ;
1476 [label="fico <= 694.5\ngini = 0.201\nsamples = 53\nvalue = [47, 6]", fillcolor="#e89152"] ;
1472 -> 1476 ;
1477 [label="gini = 0.175\nsamples = 31\nvalue = [28, 3]", fillcolor="#e88e4e"] ;
1476 -> 1477 ;
1478 [label="gini = 0.236\nsamples = 22\nvalue = [19, 3]", fillcolor="#e99558"] ;
1476 -> 1478 ;
1479 [label="fico <= 704.5\ngini = 0.165\nsamples = 66\nvalue = [60, 6]", fillcolor="#e88e4d"] ;
1471 -> 1479 ;
1480 [label="int.rate <= 0.129\ngini = 0.114\nsamples = 33\nvalue = [31, 2]", fillcolor="#e78946"] ;
1479 -> 1480 ;
1481 [label="gini = 0.0\nsamples = 15\nvalue = [15, 0]", fillcolor="#e58139"] ;
1480 -> 1481 ;
1482 [label="gini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
1480 -> 1482 ;
1483 [label="int.rate <= 0.129\ngini = 0.213\nsamples = 33\nvalue = [29, 4]", fillcolor="#e99254"] ;
1479 -> 1483 ;
1484 [label="gini = 0.208\nsamples = 17\nvalue = [15, 2]", fillcolor="#e89253"] ;
1483 -> 1484 ;
1485 [label="gini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
1483 -> 1485 ;
1486 [label="int.rate <= 0.13\ngini = 0.283\nsamples = 1544\nvalue = [1280, 264]", fillcolor="#ea9b62"] ;
1394 -> 1486 ;
1487 [label="fico <= 689.5\ngini = 0.499\nsamples = 23\nvalue = [12, 11]", fillcolor="#fdf5ef"] ;
1486 -> 1487 ;
1488 [label="fico <= 684.5\ngini = 0.484\nsamples = 17\nvalue = [10, 7]", fillcolor="#f7d9c4"] ;
1487 -> 1488 ;
1489 [label="fico <= 674.5\ngini = 0.498\nsamples = 15\nvalue = [8, 7]", fillcolor="#fcefe6"] ;
1488 -> 1489 ;
1490 [label="int.rate <= 0.13\ngini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
1489 -> 1490 ;
1491 [label="gini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
1490 -> 1491 ;
1492 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1490 -> 1492 ;
1493 [label="int.rate <= 0.13\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
1489 -> 1493 ;
1494 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1493 -> 1494 ;
1495 [label="fico <= 679.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1493 -> 1495 ;
1496 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1495 -> 1496 ;
1497 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1495 -> 1497 ;
1498 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1488 -> 1498 ;
1499 [label="fico <= 704.5\ngini = 0.444\nsamples = 6\nvalue = [2, 4]", fillcolor="#9ccef2"] ;
1487 -> 1499 ;
1500 [label="fico <= 694.5\ngini = 0.32\nsamples = 5\nvalue = [1, 4]", fillcolor="#6ab6ec"] ;
1499 -> 1500 ;
1501 [label="int.rate <= 0.13\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1500 -> 1501 ;
1502 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1501 -> 1502 ;
1503 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1501 -> 1503 ;
1504 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1500 -> 1504 ;
1505 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1499 -> 1505 ;
1506 [label="fico <= 694.5\ngini = 0.277\nsamples = 1521\nvalue = [1268, 253]", fillcolor="#ea9a61"] ;
1486 -> 1506 ;
1507 [label="fico <= 689.5\ngini = 0.257\nsamples = 1076\nvalue = [913, 163]", fillcolor="#ea975c"] ;
1506 -> 1507 ;
1508 [label="int.rate <= 0.143\ngini = 0.274\nsamples = 862\nvalue = [721, 141]", fillcolor="#ea9a60"] ;
1507 -> 1508 ;
1509 [label="int.rate <= 0.134\ngini = 0.256\nsamples = 625\nvalue = [531, 94]", fillcolor="#ea975c"] ;
1508 -> 1509 ;
1510 [label="int.rate <= 0.134\ngini = 0.314\nsamples = 154\nvalue = [124, 30]", fillcolor="#eb9f69"] ;
1509 -> 1510 ;
1511 [label="int.rate <= 0.132\ngini = 0.301\nsamples = 152\nvalue = [124, 28]", fillcolor="#eb9d66"] ;
1510 -> 1511 ;
1512 [label="int.rate <= 0.132\ngini = 0.269\nsamples = 125\nvalue = [105, 20]", fillcolor="#ea995f"] ;
1511 -> 1512 ;
1513 [label="fico <= 679.5\ngini = 0.323\nsamples = 69\nvalue = [55, 14]", fillcolor="#eca16b"] ;
1512 -> 1513 ;
1514 [label="int.rate <= 0.131\ngini = 0.403\nsamples = 25\nvalue = [18, 7]", fillcolor="#efb286"] ;
1513 -> 1514 ;
1515 [label="fico <= 674.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1514 -> 1515 ;
1516 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1515 -> 1516 ;
1517 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1515 -> 1517 ;
1518 [label="int.rate <= 0.131\ngini = 0.432\nsamples = 19\nvalue = [13, 6]", fillcolor="#f1bb94"] ;
1514 -> 1518 ;
1519 [label="fico <= 674.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1518 -> 1519 ;
1520 [label="int.rate <= 0.131\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1519 -> 1520 ;
1521 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1520 -> 1521 ;
1522 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1520 -> 1522 ;
1523 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1519 -> 1523 ;
1524 [label="fico <= 674.5\ngini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
1518 -> 1524 ;
1525 [label="int.rate <= 0.132\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1524 -> 1525 ;
1526 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1525 -> 1526 ;
1527 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1525 -> 1527 ;
1528 [label="int.rate <= 0.132\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
1524 -> 1528 ;
1529 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1528 -> 1529 ;
1530 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1528 -> 1530 ;
1531 [label="int.rate <= 0.132\ngini = 0.268\nsamples = 44\nvalue = [37, 7]", fillcolor="#ea995e"] ;
1513 -> 1531 ;
1532 [label="int.rate <= 0.131\ngini = 0.24\nsamples = 43\nvalue = [37, 6]", fillcolor="#e99559"] ;
1531 -> 1532 ;
1533 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1532 -> 1533 ;
1534 [label="fico <= 684.5\ngini = 0.25\nsamples = 41\nvalue = [35, 6]", fillcolor="#e9975b"] ;
1532 -> 1534 ;
1535 [label="int.rate <= 0.131\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
1534 -> 1535 ;
1536 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1535 -> 1536 ;
1537 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1535 -> 1537 ;
1538 [label="int.rate <= 0.131\ngini = 0.269\nsamples = 25\nvalue = [21, 4]", fillcolor="#ea995f"] ;
1534 -> 1538 ;
1539 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1538 -> 1539 ;
1540 [label="gini = 0.305\nsamples = 16\nvalue = [13, 3]", fillcolor="#eb9e67"] ;
1538 -> 1540 ;
1541 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1531 -> 1541 ;
1542 [label="fico <= 679.5\ngini = 0.191\nsamples = 56\nvalue = [50, 6]", fillcolor="#e89051"] ;
1512 -> 1542 ;
1543 [label="gini = 0.0\nsamples = 14\nvalue = [14, 0]", fillcolor="#e58139"] ;
1542 -> 1543 ;
1544 [label="fico <= 684.5\ngini = 0.245\nsamples = 42\nvalue = [36, 6]", fillcolor="#e9965a"] ;
1542 -> 1544 ;
1545 [label="gini = 0.298\nsamples = 22\nvalue = [18, 4]", fillcolor="#eb9d65"] ;
1544 -> 1545 ;
1546 [label="gini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
1544 -> 1546 ;
1547 [label="fico <= 674.5\ngini = 0.417\nsamples = 27\nvalue = [19, 8]", fillcolor="#f0b68c"] ;
1511 -> 1547 ;
1548 [label="gini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
1547 -> 1548 ;
1549 [label="fico <= 684.5\ngini = 0.469\nsamples = 16\nvalue = [10, 6]", fillcolor="#f5cdb0"] ;
1547 -> 1549 ;
1550 [label="int.rate <= 0.133\ngini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
1549 -> 1550 ;
1551 [label="fico <= 679.5\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
1550 -> 1551 ;
1552 [label="int.rate <= 0.133\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1551 -> 1552 ;
1553 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1552 -> 1553 ;
1554 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1552 -> 1554 ;
1555 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1551 -> 1555 ;
1556 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1550 -> 1556 ;
1557 [label="int.rate <= 0.133\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1549 -> 1557 ;
1558 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1557 -> 1558 ;
1559 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1557 -> 1559 ;
1560 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1510 -> 1560 ;
1561 [label="fico <= 674.5\ngini = 0.235\nsamples = 471\nvalue = [407, 64]", fillcolor="#e99558"] ;
1509 -> 1561 ;
1562 [label="int.rate <= 0.137\ngini = 0.295\nsamples = 78\nvalue = [64, 14]", fillcolor="#eb9d64"] ;
1561 -> 1562 ;
1563 [label="int.rate <= 0.136\ngini = 0.375\nsamples = 24\nvalue = [18, 6]", fillcolor="#eeab7b"] ;
1562 -> 1563 ;
1564 [label="int.rate <= 0.135\ngini = 0.308\nsamples = 21\nvalue = [17, 4]", fillcolor="#eb9f68"] ;
1563 -> 1564 ;
1565 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1564 -> 1565 ;
1566 [label="int.rate <= 0.136\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
1564 -> 1566 ;
1567 [label="int.rate <= 0.136\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
1566 -> 1567 ;
1568 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1567 -> 1568 ;
1569 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1567 -> 1569 ;
1570 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1566 -> 1570 ;
1571 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1563 -> 1571 ;
1572 [label="int.rate <= 0.139\ngini = 0.252\nsamples = 54\nvalue = [46, 8]", fillcolor="#ea975b"] ;
1562 -> 1572 ;
1573 [label="int.rate <= 0.138\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1572 -> 1573 ;
1574 [label="int.rate <= 0.138\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
1573 -> 1574 ;
1575 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1574 -> 1575 ;
1576 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1574 -> 1576 ;
1577 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1573 -> 1577 ;
1578 [label="int.rate <= 0.141\ngini = 0.278\nsamples = 42\nvalue = [35, 7]", fillcolor="#ea9a61"] ;
1572 -> 1578 ;
1579 [label="int.rate <= 0.14\ngini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
1578 -> 1579 ;
1580 [label="int.rate <= 0.14\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1579 -> 1580 ;
1581 [label="gini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
1580 -> 1581 ;
1582 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1580 -> 1582 ;
1583 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1579 -> 1583 ;
1584 [label="int.rate <= 0.143\ngini = 0.238\nsamples = 29\nvalue = [25, 4]", fillcolor="#e99559"] ;
1578 -> 1584 ;
1585 [label="int.rate <= 0.141\ngini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
1584 -> 1585 ;
1586 [label="gini = 0.208\nsamples = 17\nvalue = [15, 2]", fillcolor="#e89253"] ;
1585 -> 1586 ;
1587 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1585 -> 1587 ;
1588 [label="gini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
1584 -> 1588 ;
1589 [label="int.rate <= 0.139\ngini = 0.222\nsamples = 393\nvalue = [343, 50]", fillcolor="#e99356"] ;
1561 -> 1589 ;
1590 [label="int.rate <= 0.136\ngini = 0.243\nsamples = 212\nvalue = [182, 30]", fillcolor="#e9965a"] ;
1589 -> 1590 ;
1591 [label="fico <= 679.5\ngini = 0.206\nsamples = 129\nvalue = [114, 15]", fillcolor="#e89253"] ;
1590 -> 1591 ;
1592 [label="int.rate <= 0.135\ngini = 0.114\nsamples = 33\nvalue = [31, 2]", fillcolor="#e78946"] ;
1591 -> 1592 ;
1593 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1592 -> 1593 ;
1594 [label="int.rate <= 0.136\ngini = 0.077\nsamples = 25\nvalue = [24, 1]", fillcolor="#e68641"] ;
1592 -> 1594 ;
1595 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
1594 -> 1595 ;
1596 [label="gini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
1594 -> 1596 ;
1597 [label="int.rate <= 0.136\ngini = 0.234\nsamples = 96\nvalue = [83, 13]", fillcolor="#e99558"] ;
1591 -> 1597 ;
1598 [label="int.rate <= 0.135\ngini = 0.204\nsamples = 52\nvalue = [46, 6]", fillcolor="#e89153"] ;
1597 -> 1598 ;
1599 [label="int.rate <= 0.135\ngini = 0.215\nsamples = 49\nvalue = [43, 6]", fillcolor="#e99355"] ;
1598 -> 1599 ;
1600 [label="fico <= 684.5\ngini = 0.193\nsamples = 37\nvalue = [33, 4]", fillcolor="#e89051"] ;
1599 -> 1600 ;
1601 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1600 -> 1601 ;
1602 [label="gini = 0.211\nsamples = 25\nvalue = [22, 3]", fillcolor="#e99254"] ;
1600 -> 1602 ;
1603 [label="fico <= 684.5\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1599 -> 1603 ;
1604 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1603 -> 1604 ;
1605 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1603 -> 1605 ;
1606 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1598 -> 1606 ;
1607 [label="fico <= 684.5\ngini = 0.268\nsamples = 44\nvalue = [37, 7]", fillcolor="#ea995e"] ;
1597 -> 1607 ;
1608 [label="gini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
1607 -> 1608 ;
1609 [label="gini = 0.278\nsamples = 18\nvalue = [15, 3]", fillcolor="#ea9a61"] ;
1607 -> 1609 ;
1610 [label="int.rate <= 0.136\ngini = 0.296\nsamples = 83\nvalue = [68, 15]", fillcolor="#eb9d65"] ;
1590 -> 1610 ;
1611 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1610 -> 1611 ;
1612 [label="fico <= 679.5\ngini = 0.283\nsamples = 82\nvalue = [68, 14]", fillcolor="#ea9b62"] ;
1610 -> 1612 ;
1613 [label="int.rate <= 0.137\ngini = 0.444\nsamples = 15\nvalue = [10, 5]", fillcolor="#f2c09c"] ;
1612 -> 1613 ;
1614 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1613 -> 1614 ;
1615 [label="int.rate <= 0.138\ngini = 0.459\nsamples = 14\nvalue = [9, 5]", fillcolor="#f3c7a7"] ;
1613 -> 1615 ;
1616 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1615 -> 1616 ;
1617 [label="int.rate <= 0.138\ngini = 0.426\nsamples = 13\nvalue = [9, 4]", fillcolor="#f1b991"] ;
1615 -> 1617 ;
1618 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1617 -> 1618 ;
1619 [label="int.rate <= 0.139\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
1617 -> 1619 ;
1620 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1619 -> 1620 ;
1621 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1619 -> 1621 ;
1622 [label="int.rate <= 0.138\ngini = 0.233\nsamples = 67\nvalue = [58, 9]", fillcolor="#e99558"] ;
1612 -> 1622 ;
1623 [label="int.rate <= 0.137\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1622 -> 1623 ;
1624 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1623 -> 1624 ;
1625 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1623 -> 1625 ;
1626 [label="int.rate <= 0.138\ngini = 0.219\nsamples = 64\nvalue = [56, 8]", fillcolor="#e99355"] ;
1622 -> 1626 ;
1627 [label="fico <= 684.5\ngini = 0.249\nsamples = 48\nvalue = [41, 7]", fillcolor="#e9975b"] ;
1626 -> 1627 ;
1628 [label="gini = 0.252\nsamples = 27\nvalue = [23, 4]", fillcolor="#ea975b"] ;
1627 -> 1628 ;
1629 [label="gini = 0.245\nsamples = 21\nvalue = [18, 3]", fillcolor="#e9965a"] ;
1627 -> 1629 ;
1630 [label="int.rate <= 0.139\ngini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
1626 -> 1630 ;
1631 [label="gini = 0.0\nsamples = 12\nvalue = [12, 0]", fillcolor="#e58139"] ;
1630 -> 1631 ;
1632 [label="fico <= 684.5\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1630 -> 1632 ;
1633 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1632 -> 1633 ;
1634 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1632 -> 1634 ;
1635 [label="int.rate <= 0.141\ngini = 0.197\nsamples = 181\nvalue = [161, 20]", fillcolor="#e89152"] ;
1589 -> 1635 ;
1636 [label="fico <= 684.5\ngini = 0.119\nsamples = 63\nvalue = [59, 4]", fillcolor="#e78a46"] ;
1635 -> 1636 ;
1637 [label="int.rate <= 0.139\ngini = 0.153\nsamples = 48\nvalue = [44, 4]", fillcolor="#e78c4b"] ;
1636 -> 1637 ;
1638 [label="fico <= 679.5\ngini = 0.165\nsamples = 44\nvalue = [40, 4]", fillcolor="#e88e4d"] ;
1637 -> 1638 ;
1639 [label="gini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
1638 -> 1639 ;
1640 [label="gini = 0.142\nsamples = 26\nvalue = [24, 2]", fillcolor="#e78c49"] ;
1638 -> 1640 ;
1641 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1637 -> 1641 ;
1642 [label="gini = 0.0\nsamples = 15\nvalue = [15, 0]", fillcolor="#e58139"] ;
1636 -> 1642 ;
1643 [label="fico <= 679.5\ngini = 0.234\nsamples = 118\nvalue = [102, 16]", fillcolor="#e99558"] ;
1635 -> 1643 ;
1644 [label="int.rate <= 0.142\ngini = 0.161\nsamples = 34\nvalue = [31, 3]", fillcolor="#e88d4c"] ;
1643 -> 1644 ;
1645 [label="gini = 0.305\nsamples = 16\nvalue = [13, 3]", fillcolor="#eb9e67"] ;
1644 -> 1645 ;
1646 [label="gini = 0.0\nsamples = 18\nvalue = [18, 0]", fillcolor="#e58139"] ;
1644 -> 1646 ;
1647 [label="int.rate <= 0.142\ngini = 0.262\nsamples = 84\nvalue = [71, 13]", fillcolor="#ea985d"] ;
1643 -> 1647 ;
1648 [label="fico <= 684.5\ngini = 0.219\nsamples = 40\nvalue = [35, 5]", fillcolor="#e99355"] ;
1647 -> 1648 ;
1649 [label="int.rate <= 0.141\ngini = 0.191\nsamples = 28\nvalue = [25, 3]", fillcolor="#e89051"] ;
1648 -> 1649 ;
1650 [label="gini = 0.245\nsamples = 21\nvalue = [18, 3]", fillcolor="#e9965a"] ;
1649 -> 1650 ;
1651 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
1649 -> 1651 ;
1652 [label="int.rate <= 0.142\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1648 -> 1652 ;
1653 [label="int.rate <= 0.141\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1652 -> 1653 ;
1654 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1653 -> 1654 ;
1655 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1653 -> 1655 ;
1656 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1652 -> 1656 ;
1657 [label="fico <= 684.5\ngini = 0.298\nsamples = 44\nvalue = [36, 8]", fillcolor="#eb9d65"] ;
1647 -> 1657 ;
1658 [label="gini = 0.287\nsamples = 23\nvalue = [19, 4]", fillcolor="#ea9c63"] ;
1657 -> 1658 ;
1659 [label="gini = 0.308\nsamples = 21\nvalue = [17, 4]", fillcolor="#eb9f68"] ;
1657 -> 1659 ;
1660 [label="int.rate <= 0.144\ngini = 0.318\nsamples = 237\nvalue = [190, 47]", fillcolor="#eba06a"] ;
1508 -> 1660 ;
1661 [label="fico <= 674.5\ngini = 0.5\nsamples = 10\nvalue = [5, 5]", fillcolor="#ffffff"] ;
1660 -> 1661 ;
1662 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1661 -> 1662 ;
1663 [label="fico <= 684.5\ngini = 0.408\nsamples = 7\nvalue = [2, 5]", fillcolor="#88c4ef"] ;
1661 -> 1663 ;
1664 [label="gini = 0.0\nsamples = 4\nvalue = [0, 4]", fillcolor="#399de5"] ;
1663 -> 1664 ;
1665 [label="int.rate <= 0.143\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1663 -> 1665 ;
1666 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1665 -> 1666 ;
1667 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1665 -> 1667 ;
1668 [label="fico <= 684.5\ngini = 0.302\nsamples = 227\nvalue = [185, 42]", fillcolor="#eb9e66"] ;
1660 -> 1668 ;
1669 [label="int.rate <= 0.146\ngini = 0.317\nsamples = 177\nvalue = [142, 35]", fillcolor="#eba06a"] ;
1668 -> 1669 ;
1670 [label="int.rate <= 0.145\ngini = 0.273\nsamples = 92\nvalue = [77, 15]", fillcolor="#ea9a60"] ;
1669 -> 1670 ;
1671 [label="fico <= 679.5\ngini = 0.314\nsamples = 41\nvalue = [33, 8]", fillcolor="#eba069"] ;
1670 -> 1671 ;
1672 [label="fico <= 674.5\ngini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
1671 -> 1672 ;
1673 [label="gini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
1672 -> 1673 ;
1674 [label="gini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
1672 -> 1674 ;
1675 [label="gini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
1671 -> 1675 ;
1676 [label="int.rate <= 0.146\ngini = 0.237\nsamples = 51\nvalue = [44, 7]", fillcolor="#e99558"] ;
1670 -> 1676 ;
1677 [label="fico <= 674.5\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
1676 -> 1677 ;
1678 [label="int.rate <= 0.145\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1677 -> 1678 ;
1679 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1678 -> 1679 ;
1680 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1678 -> 1680 ;
1681 [label="gini = 0.0\nsamples = 12\nvalue = [12, 0]", fillcolor="#e58139"] ;
1677 -> 1681 ;
1682 [label="fico <= 674.5\ngini = 0.278\nsamples = 36\nvalue = [30, 6]", fillcolor="#ea9a61"] ;
1676 -> 1682 ;
1683 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1682 -> 1683 ;
1684 [label="fico <= 679.5\ngini = 0.32\nsamples = 25\nvalue = [20, 5]", fillcolor="#eca06a"] ;
1682 -> 1684 ;
1685 [label="gini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
1684 -> 1685 ;
1686 [label="gini = 0.26\nsamples = 13\nvalue = [11, 2]", fillcolor="#ea985d"] ;
1684 -> 1686 ;
1687 [label="int.rate <= 0.147\ngini = 0.36\nsamples = 85\nvalue = [65, 20]", fillcolor="#eda876"] ;
1669 -> 1687 ;
1688 [label="fico <= 674.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1687 -> 1688 ;
1689 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1688 -> 1689 ;
1690 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1688 -> 1690 ;
1691 [label="int.rate <= 0.149\ngini = 0.343\nsamples = 82\nvalue = [64, 18]", fillcolor="#eca471"] ;
1687 -> 1691 ;
1692 [label="int.rate <= 0.149\ngini = 0.386\nsamples = 46\nvalue = [34, 12]", fillcolor="#eead7f"] ;
1691 -> 1692 ;
1693 [label="int.rate <= 0.148\ngini = 0.363\nsamples = 42\nvalue = [32, 10]", fillcolor="#eda877"] ;
1692 -> 1693 ;
1694 [label="fico <= 679.5\ngini = 0.381\nsamples = 39\nvalue = [29, 10]", fillcolor="#eeac7d"] ;
1693 -> 1694 ;
1695 [label="fico <= 674.5\ngini = 0.358\nsamples = 30\nvalue = [23, 7]", fillcolor="#eda775"] ;
1694 -> 1695 ;
1696 [label="gini = 0.401\nsamples = 18\nvalue = [13, 5]", fillcolor="#efb185"] ;
1695 -> 1696 ;
1697 [label="gini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1695 -> 1697 ;
1698 [label="gini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
1694 -> 1698 ;
1699 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1693 -> 1699 ;
1700 [label="fico <= 677.0\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1692 -> 1700 ;
1701 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1700 -> 1701 ;
1702 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1700 -> 1702 ;
1703 [label="fico <= 679.5\ngini = 0.278\nsamples = 36\nvalue = [30, 6]", fillcolor="#ea9a61"] ;
1691 -> 1703 ;
1704 [label="fico <= 674.5\ngini = 0.337\nsamples = 28\nvalue = [22, 6]", fillcolor="#eca36f"] ;
1703 -> 1704 ;
1705 [label="gini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
1704 -> 1705 ;
1706 [label="gini = 0.32\nsamples = 15\nvalue = [12, 3]", fillcolor="#eca06a"] ;
1704 -> 1706 ;
1707 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
1703 -> 1707 ;
1708 [label="int.rate <= 0.146\ngini = 0.241\nsamples = 50\nvalue = [43, 7]", fillcolor="#e99659"] ;
1668 -> 1708 ;
1709 [label="int.rate <= 0.145\ngini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
1708 -> 1709 ;
1710 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
1709 -> 1710 ;
1711 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1709 -> 1711 ;
1712 [label="int.rate <= 0.149\ngini = 0.184\nsamples = 39\nvalue = [35, 4]", fillcolor="#e88f50"] ;
1708 -> 1712 ;
1713 [label="int.rate <= 0.147\ngini = 0.159\nsamples = 23\nvalue = [21, 2]", fillcolor="#e78d4c"] ;
1712 -> 1713 ;
1714 [label="int.rate <= 0.147\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
1713 -> 1714 ;
1715 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1714 -> 1715 ;
1716 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1714 -> 1716 ;
1717 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1713 -> 1717 ;
1718 [label="gini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
1712 -> 1718 ;
1719 [label="int.rate <= 0.138\ngini = 0.184\nsamples = 214\nvalue = [192, 22]", fillcolor="#e88f50"] ;
1507 -> 1719 ;
1720 [label="int.rate <= 0.133\ngini = 0.146\nsamples = 126\nvalue = [116, 10]", fillcolor="#e78c4a"] ;
1719 -> 1720 ;
1721 [label="int.rate <= 0.131\ngini = 0.219\nsamples = 56\nvalue = [49, 7]", fillcolor="#e99355"] ;
1720 -> 1721 ;
1722 [label="int.rate <= 0.131\ngini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
1721 -> 1722 ;
1723 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1722 -> 1723 ;
1724 [label="int.rate <= 0.131\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1722 -> 1724 ;
1725 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1724 -> 1725 ;
1726 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1724 -> 1726 ;
1727 [label="int.rate <= 0.132\ngini = 0.255\nsamples = 40\nvalue = [34, 6]", fillcolor="#ea975c"] ;
1721 -> 1727 ;
1728 [label="gini = 0.337\nsamples = 14\nvalue = [11, 3]", fillcolor="#eca36f"] ;
1727 -> 1728 ;
1729 [label="gini = 0.204\nsamples = 26\nvalue = [23, 3]", fillcolor="#e89153"] ;
1727 -> 1729 ;
1730 [label="int.rate <= 0.135\ngini = 0.082\nsamples = 70\nvalue = [67, 3]", fillcolor="#e68742"] ;
1720 -> 1730 ;
1731 [label="gini = 0.0\nsamples = 28\nvalue = [28, 0]", fillcolor="#e58139"] ;
1730 -> 1731 ;
1732 [label="int.rate <= 0.136\ngini = 0.133\nsamples = 42\nvalue = [39, 3]", fillcolor="#e78b48"] ;
1730 -> 1732 ;
1733 [label="gini = 0.091\nsamples = 21\nvalue = [20, 1]", fillcolor="#e68743"] ;
1732 -> 1733 ;
1734 [label="int.rate <= 0.137\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
1732 -> 1734 ;
1735 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1734 -> 1735 ;
1736 [label="gini = 0.105\nsamples = 18\nvalue = [17, 1]", fillcolor="#e78845"] ;
1734 -> 1736 ;
1737 [label="int.rate <= 0.139\ngini = 0.236\nsamples = 88\nvalue = [76, 12]", fillcolor="#e99558"] ;
1719 -> 1737 ;
1738 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1737 -> 1738 ;
1739 [label="int.rate <= 0.141\ngini = 0.21\nsamples = 84\nvalue = [74, 10]", fillcolor="#e99254"] ;
1737 -> 1739 ;
1740 [label="int.rate <= 0.141\ngini = 0.285\nsamples = 29\nvalue = [24, 5]", fillcolor="#ea9b62"] ;
1739 -> 1740 ;
1741 [label="int.rate <= 0.139\ngini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
1740 -> 1741 ;
1742 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1741 -> 1742 ;
1743 [label="int.rate <= 0.14\ngini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
1741 -> 1743 ;
1744 [label="gini = 0.208\nsamples = 17\nvalue = [15, 2]", fillcolor="#e89253"] ;
1743 -> 1744 ;
1745 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1743 -> 1745 ;
1746 [label="gini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
1740 -> 1746 ;
1747 [label="int.rate <= 0.143\ngini = 0.165\nsamples = 55\nvalue = [50, 5]", fillcolor="#e88e4d"] ;
1739 -> 1747 ;
1748 [label="gini = 0.0\nsamples = 15\nvalue = [15, 0]", fillcolor="#e58139"] ;
1747 -> 1748 ;
1749 [label="int.rate <= 0.143\ngini = 0.219\nsamples = 40\nvalue = [35, 5]", fillcolor="#e99355"] ;
1747 -> 1749 ;
1750 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1749 -> 1750 ;
1751 [label="int.rate <= 0.147\ngini = 0.184\nsamples = 39\nvalue = [35, 4]", fillcolor="#e88f50"] ;
1749 -> 1751 ;
1752 [label="int.rate <= 0.146\ngini = 0.236\nsamples = 22\nvalue = [19, 3]", fillcolor="#e99558"] ;
1751 -> 1752 ;
1753 [label="int.rate <= 0.146\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
1752 -> 1753 ;
1754 [label="int.rate <= 0.146\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
1753 -> 1754 ;
1755 [label="int.rate <= 0.144\ngini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
1754 -> 1755 ;
1756 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1755 -> 1756 ;
1757 [label="int.rate <= 0.145\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1755 -> 1757 ;
1758 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1757 -> 1758 ;
1759 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1757 -> 1759 ;
1760 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1754 -> 1760 ;
1761 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1753 -> 1761 ;
1762 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1752 -> 1762 ;
1763 [label="int.rate <= 0.149\ngini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
1751 -> 1763 ;
1764 [label="gini = 0.0\nsamples = 11\nvalue = [11, 0]", fillcolor="#e58139"] ;
1763 -> 1764 ;
1765 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1763 -> 1765 ;
1766 [label="int.rate <= 0.131\ngini = 0.323\nsamples = 445\nvalue = [355, 90]", fillcolor="#eca16b"] ;
1506 -> 1766 ;
1767 [label="fico <= 699.5\ngini = 0.095\nsamples = 20\nvalue = [19, 1]", fillcolor="#e68843"] ;
1766 -> 1767 ;
1768 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
1767 -> 1768 ;
1769 [label="fico <= 704.5\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1767 -> 1769 ;
1770 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1769 -> 1770 ;
1771 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1769 -> 1771 ;
1772 [label="int.rate <= 0.14\ngini = 0.331\nsamples = 425\nvalue = [336, 89]", fillcolor="#eca26d"] ;
1766 -> 1772 ;
1773 [label="int.rate <= 0.131\ngini = 0.308\nsamples = 284\nvalue = [230, 54]", fillcolor="#eb9f67"] ;
1772 -> 1773 ;
1774 [label="fico <= 702.0\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1773 -> 1774 ;
1775 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1774 -> 1775 ;
1776 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1774 -> 1776 ;
1777 [label="fico <= 699.5\ngini = 0.305\nsamples = 282\nvalue = [229, 53]", fillcolor="#eb9e67"] ;
1773 -> 1777 ;
1778 [label="int.rate <= 0.133\ngini = 0.337\nsamples = 112\nvalue = [88, 24]", fillcolor="#eca36f"] ;
1777 -> 1778 ;
1779 [label="int.rate <= 0.132\ngini = 0.231\nsamples = 45\nvalue = [39, 6]", fillcolor="#e99457"] ;
1778 -> 1779 ;
1780 [label="int.rate <= 0.132\ngini = 0.302\nsamples = 27\nvalue = [22, 5]", fillcolor="#eb9e66"] ;
1779 -> 1780 ;
1781 [label="gini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
1780 -> 1781 ;
1782 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1780 -> 1782 ;
1783 [label="int.rate <= 0.132\ngini = 0.105\nsamples = 18\nvalue = [17, 1]", fillcolor="#e78845"] ;
1779 -> 1783 ;
1784 [label="gini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
1783 -> 1784 ;
1785 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1783 -> 1785 ;
1786 [label="int.rate <= 0.133\ngini = 0.393\nsamples = 67\nvalue = [49, 18]", fillcolor="#efaf82"] ;
1778 -> 1786 ;
1787 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1786 -> 1787 ;
1788 [label="int.rate <= 0.136\ngini = 0.382\nsamples = 66\nvalue = [49, 17]", fillcolor="#eead7e"] ;
1786 -> 1788 ;
1789 [label="int.rate <= 0.135\ngini = 0.453\nsamples = 26\nvalue = [17, 9]", fillcolor="#f3c4a2"] ;
1788 -> 1789 ;
1790 [label="int.rate <= 0.135\ngini = 0.413\nsamples = 24\nvalue = [17, 7]", fillcolor="#f0b58b"] ;
1789 -> 1790 ;
1791 [label="int.rate <= 0.134\ngini = 0.375\nsamples = 20\nvalue = [15, 5]", fillcolor="#eeab7b"] ;
1790 -> 1791 ;
1792 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1791 -> 1792 ;
1793 [label="gini = 0.388\nsamples = 19\nvalue = [14, 5]", fillcolor="#eeae80"] ;
1791 -> 1793 ;
1794 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1790 -> 1794 ;
1795 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1789 -> 1795 ;
1796 [label="int.rate <= 0.137\ngini = 0.32\nsamples = 40\nvalue = [32, 8]", fillcolor="#eca06a"] ;
1788 -> 1796 ;
1797 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
1796 -> 1797 ;
1798 [label="int.rate <= 0.139\ngini = 0.383\nsamples = 31\nvalue = [23, 8]", fillcolor="#eead7e"] ;
1796 -> 1798 ;
1799 [label="int.rate <= 0.138\ngini = 0.391\nsamples = 30\nvalue = [22, 8]", fillcolor="#eeaf81"] ;
1798 -> 1799 ;
1800 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1799 -> 1800 ;
1801 [label="int.rate <= 0.139\ngini = 0.42\nsamples = 20\nvalue = [14, 6]", fillcolor="#f0b78e"] ;
1799 -> 1801 ;
1802 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1801 -> 1802 ;
1803 [label="gini = 0.426\nsamples = 13\nvalue = [9, 4]", fillcolor="#f1b991"] ;
1801 -> 1803 ;
1804 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1798 -> 1804 ;
1805 [label="int.rate <= 0.139\ngini = 0.283\nsamples = 170\nvalue = [141, 29]", fillcolor="#ea9b62"] ;
1777 -> 1805 ;
1806 [label="int.rate <= 0.138\ngini = 0.307\nsamples = 153\nvalue = [124, 29]", fillcolor="#eb9e67"] ;
1805 -> 1806 ;
1807 [label="int.rate <= 0.134\ngini = 0.291\nsamples = 147\nvalue = [121, 26]", fillcolor="#eb9c64"] ;
1806 -> 1807 ;
1808 [label="int.rate <= 0.132\ngini = 0.355\nsamples = 65\nvalue = [50, 15]", fillcolor="#eda774"] ;
1807 -> 1808 ;
1809 [label="int.rate <= 0.132\ngini = 0.328\nsamples = 63\nvalue = [50, 13]", fillcolor="#eca26c"] ;
1808 -> 1809 ;
1810 [label="fico <= 704.5\ngini = 0.312\nsamples = 31\nvalue = [25, 6]", fillcolor="#eb9f69"] ;
1809 -> 1810 ;
1811 [label="int.rate <= 0.132\ngini = 0.245\nsamples = 21\nvalue = [18, 3]", fillcolor="#e9965a"] ;
1810 -> 1811 ;
1812 [label="gini = 0.255\nsamples = 20\nvalue = [17, 3]", fillcolor="#ea975c"] ;
1811 -> 1812 ;
1813 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1811 -> 1813 ;
1814 [label="gini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
1810 -> 1814 ;
1815 [label="fico <= 704.5\ngini = 0.342\nsamples = 32\nvalue = [25, 7]", fillcolor="#eca470"] ;
1809 -> 1815 ;
1816 [label="gini = 0.444\nsamples = 12\nvalue = [8, 4]", fillcolor="#f2c09c"] ;
1815 -> 1816 ;
1817 [label="gini = 0.255\nsamples = 20\nvalue = [17, 3]", fillcolor="#ea975c"] ;
1815 -> 1817 ;
1818 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1808 -> 1818 ;
1819 [label="int.rate <= 0.138\ngini = 0.232\nsamples = 82\nvalue = [71, 11]", fillcolor="#e99558"] ;
1807 -> 1819 ;
1820 [label="fico <= 704.5\ngini = 0.192\nsamples = 65\nvalue = [58, 7]", fillcolor="#e89051"] ;
1819 -> 1820 ;
1821 [label="int.rate <= 0.135\ngini = 0.136\nsamples = 41\nvalue = [38, 3]", fillcolor="#e78b49"] ;
1820 -> 1821 ;
1822 [label="int.rate <= 0.135\ngini = 0.1\nsamples = 19\nvalue = [18, 1]", fillcolor="#e68844"] ;
1821 -> 1822 ;
1823 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1822 -> 1823 ;
1824 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
1822 -> 1824 ;
1825 [label="int.rate <= 0.136\ngini = 0.165\nsamples = 22\nvalue = [20, 2]", fillcolor="#e88e4d"] ;
1821 -> 1825 ;
1826 [label="gini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
1825 -> 1826 ;
1827 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1825 -> 1827 ;
1828 [label="int.rate <= 0.135\ngini = 0.278\nsamples = 24\nvalue = [20, 4]", fillcolor="#ea9a61"] ;
1820 -> 1828 ;
1829 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
1828 -> 1829 ;
1830 [label="int.rate <= 0.136\ngini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
1828 -> 1830 ;
1831 [label="int.rate <= 0.135\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1830 -> 1831 ;
1832 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1831 -> 1832 ;
1833 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1831 -> 1833 ;
1834 [label="int.rate <= 0.137\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1830 -> 1834 ;
1835 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1834 -> 1835 ;
1836 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1834 -> 1836 ;
1837 [label="fico <= 704.5\ngini = 0.36\nsamples = 17\nvalue = [13, 4]", fillcolor="#eda876"] ;
1819 -> 1837 ;
1838 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
1837 -> 1838 ;
1839 [label="int.rate <= 0.138\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1837 -> 1839 ;
1840 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1839 -> 1840 ;
1841 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1839 -> 1841 ;
1842 [label="fico <= 704.5\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
1806 -> 1842 ;
1843 [label="int.rate <= 0.139\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1842 -> 1843 ;
1844 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1843 -> 1844 ;
1845 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1843 -> 1845 ;
1846 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1842 -> 1846 ;
1847 [label="gini = 0.0\nsamples = 17\nvalue = [17, 0]", fillcolor="#e58139"] ;
1805 -> 1847 ;
1848 [label="int.rate <= 0.143\ngini = 0.373\nsamples = 141\nvalue = [106, 35]", fillcolor="#eeab7a"] ;
1772 -> 1848 ;
1849 [label="int.rate <= 0.14\ngini = 0.444\nsamples = 54\nvalue = [36, 18]", fillcolor="#f2c09c"] ;
1848 -> 1849 ;
1850 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1849 -> 1850 ;
1851 [label="int.rate <= 0.141\ngini = 0.436\nsamples = 53\nvalue = [36, 17]", fillcolor="#f1bc96"] ;
1849 -> 1851 ;
1852 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1851 -> 1852 ;
1853 [label="int.rate <= 0.141\ngini = 0.44\nsamples = 52\nvalue = [35, 17]", fillcolor="#f2be99"] ;
1851 -> 1853 ;
1854 [label="fico <= 704.5\ngini = 0.408\nsamples = 21\nvalue = [15, 6]", fillcolor="#efb388"] ;
1853 -> 1854 ;
1855 [label="fico <= 699.5\ngini = 0.305\nsamples = 16\nvalue = [13, 3]", fillcolor="#eb9e67"] ;
1854 -> 1855 ;
1856 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1855 -> 1856 ;
1857 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1855 -> 1857 ;
1858 [label="gini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
1854 -> 1858 ;
1859 [label="int.rate <= 0.142\ngini = 0.458\nsamples = 31\nvalue = [20, 11]", fillcolor="#f3c6a6"] ;
1853 -> 1859 ;
1860 [label="fico <= 704.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
1859 -> 1860 ;
1861 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1860 -> 1861 ;
1862 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1860 -> 1862 ;
1863 [label="fico <= 704.5\ngini = 0.436\nsamples = 28\nvalue = [19, 9]", fillcolor="#f1bd97"] ;
1859 -> 1863 ;
1864 [label="int.rate <= 0.142\ngini = 0.48\nsamples = 15\nvalue = [9, 6]", fillcolor="#f6d5bd"] ;
1863 -> 1864 ;
1865 [label="fico <= 699.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1864 -> 1865 ;
1866 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1865 -> 1866 ;
1867 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1865 -> 1867 ;
1868 [label="fico <= 699.5\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
1864 -> 1868 ;
1869 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1868 -> 1869 ;
1870 [label="gini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
1868 -> 1870 ;
1871 [label="int.rate <= 0.142\ngini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
1863 -> 1871 ;
1872 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1871 -> 1872 ;
1873 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
1871 -> 1873 ;
1874 [label="int.rate <= 0.147\ngini = 0.314\nsamples = 87\nvalue = [70, 17]", fillcolor="#eba069"] ;
1848 -> 1874 ;
1875 [label="int.rate <= 0.145\ngini = 0.364\nsamples = 46\nvalue = [35, 11]", fillcolor="#eda977"] ;
1874 -> 1875 ;
1876 [label="fico <= 699.5\ngini = 0.312\nsamples = 31\nvalue = [25, 6]", fillcolor="#eb9f69"] ;
1875 -> 1876 ;
1877 [label="int.rate <= 0.144\ngini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
1876 -> 1877 ;
1878 [label="int.rate <= 0.144\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
1877 -> 1878 ;
1879 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1878 -> 1879 ;
1880 [label="gini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
1878 -> 1880 ;
1881 [label="int.rate <= 0.145\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1877 -> 1881 ;
1882 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1881 -> 1882 ;
1883 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1881 -> 1883 ;
1884 [label="int.rate <= 0.145\ngini = 0.444\nsamples = 12\nvalue = [8, 4]", fillcolor="#f2c09c"] ;
1876 -> 1884 ;
1885 [label="fico <= 704.5\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
1884 -> 1885 ;
1886 [label="gini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
1885 -> 1886 ;
1887 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1885 -> 1887 ;
1888 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1884 -> 1888 ;
1889 [label="int.rate <= 0.146\ngini = 0.444\nsamples = 15\nvalue = [10, 5]", fillcolor="#f2c09c"] ;
1875 -> 1889 ;
1890 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1889 -> 1890 ;
1891 [label="fico <= 699.5\ngini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
1889 -> 1891 ;
1892 [label="int.rate <= 0.146\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
1891 -> 1892 ;
1893 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1892 -> 1893 ;
1894 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1892 -> 1894 ;
1895 [label="fico <= 704.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1891 -> 1895 ;
1896 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1895 -> 1896 ;
1897 [label="int.rate <= 0.146\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1895 -> 1897 ;
1898 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1897 -> 1898 ;
1899 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1897 -> 1899 ;
1900 [label="fico <= 699.5\ngini = 0.25\nsamples = 41\nvalue = [35, 6]", fillcolor="#e9975b"] ;
1874 -> 1900 ;
1901 [label="int.rate <= 0.149\ngini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
1900 -> 1901 ;
1902 [label="int.rate <= 0.147\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
1901 -> 1902 ;
1903 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1902 -> 1903 ;
1904 [label="int.rate <= 0.148\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1902 -> 1904 ;
1905 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1904 -> 1905 ;
1906 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1904 -> 1906 ;
1907 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1901 -> 1907 ;
1908 [label="int.rate <= 0.148\ngini = 0.185\nsamples = 29\nvalue = [26, 3]", fillcolor="#e89050"] ;
1900 -> 1908 ;
1909 [label="fico <= 704.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
1908 -> 1909 ;
1910 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1909 -> 1910 ;
1911 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1909 -> 1911 ;
1912 [label="int.rate <= 0.149\ngini = 0.165\nsamples = 22\nvalue = [20, 2]", fillcolor="#e88e4d"] ;
1908 -> 1912 ;
1913 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1912 -> 1913 ;
1914 [label="fico <= 704.5\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
1912 -> 1914 ;
1915 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1914 -> 1915 ;
1916 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
1914 -> 1916 ;
1917 [label="int.rate <= 0.122\ngini = 0.244\nsamples = 2644\nvalue = [2268, 376]", fillcolor="#e9965a"] ;
961 -> 1917 ;
1918 [label="int.rate <= 0.122\ngini = 0.214\nsamples = 2061\nvalue = [1810, 251]", fillcolor="#e99254"] ;
1917 -> 1918 ;
1919 [label="fico <= 809.5\ngini = 0.22\nsamples = 1951\nvalue = [1706, 245]", fillcolor="#e99355"] ;
1918 -> 1919 ;
1920 [label="fico <= 739.5\ngini = 0.221\nsamples = 1933\nvalue = [1688, 245]", fillcolor="#e99356"] ;
1919 -> 1920 ;
1921 [label="fico <= 734.5\ngini = 0.233\nsamples = 1235\nvalue = [1069, 166]", fillcolor="#e99558"] ;
1920 -> 1921 ;
1922 [label="int.rate <= 0.12\ngini = 0.219\nsamples = 1092\nvalue = [955, 137]", fillcolor="#e99355"] ;
1921 -> 1922 ;
1923 [label="int.rate <= 0.119\ngini = 0.226\nsamples = 1002\nvalue = [872, 130]", fillcolor="#e99457"] ;
1922 -> 1923 ;
1924 [label="int.rate <= 0.112\ngini = 0.222\nsamples = 998\nvalue = [871, 127]", fillcolor="#e99356"] ;
1923 -> 1924 ;
1925 [label="int.rate <= 0.098\ngini = 0.203\nsamples = 577\nvalue = [511, 66]", fillcolor="#e89153"] ;
1924 -> 1925 ;
1926 [label="int.rate <= 0.097\ngini = 0.244\nsamples = 183\nvalue = [157, 26]", fillcolor="#e9965a"] ;
1925 -> 1926 ;
1927 [label="int.rate <= 0.095\ngini = 0.217\nsamples = 145\nvalue = [127, 18]", fillcolor="#e99355"] ;
1926 -> 1927 ;
1928 [label="fico <= 714.5\ngini = 0.282\nsamples = 47\nvalue = [39, 8]", fillcolor="#ea9b62"] ;
1927 -> 1928 ;
1929 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
1928 -> 1929 ;
1930 [label="fico <= 719.5\ngini = 0.32\nsamples = 40\nvalue = [32, 8]", fillcolor="#eca06a"] ;
1928 -> 1930 ;
1931 [label="int.rate <= 0.094\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
1930 -> 1931 ;
1932 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
1931 -> 1932 ;
1933 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
1931 -> 1933 ;
1934 [label="int.rate <= 0.094\ngini = 0.238\nsamples = 29\nvalue = [25, 4]", fillcolor="#e99559"] ;
1930 -> 1934 ;
1935 [label="fico <= 729.5\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1934 -> 1935 ;
1936 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
1935 -> 1936 ;
1937 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1935 -> 1937 ;
1938 [label="fico <= 729.5\ngini = 0.198\nsamples = 27\nvalue = [24, 3]", fillcolor="#e89152"] ;
1934 -> 1938 ;
1939 [label="int.rate <= 0.094\ngini = 0.245\nsamples = 21\nvalue = [18, 3]", fillcolor="#e9965a"] ;
1938 -> 1939 ;
1940 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
1939 -> 1940 ;
1941 [label="fico <= 724.5\ngini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
1939 -> 1941 ;
1942 [label="gini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1941 -> 1942 ;
1943 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
1941 -> 1943 ;
1944 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
1938 -> 1944 ;
1945 [label="fico <= 714.5\ngini = 0.183\nsamples = 98\nvalue = [88, 10]", fillcolor="#e88f50"] ;
1927 -> 1945 ;
1946 [label="int.rate <= 0.096\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
1945 -> 1946 ;
1947 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1946 -> 1947 ;
1948 [label="int.rate <= 0.097\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
1946 -> 1948 ;
1949 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
1948 -> 1949 ;
1950 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1948 -> 1950 ;
1951 [label="fico <= 729.5\ngini = 0.164\nsamples = 89\nvalue = [81, 8]", fillcolor="#e88d4d"] ;
1945 -> 1951 ;
1952 [label="fico <= 719.5\ngini = 0.119\nsamples = 63\nvalue = [59, 4]", fillcolor="#e78a46"] ;
1951 -> 1952 ;
1953 [label="int.rate <= 0.096\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
1952 -> 1953 ;
1954 [label="int.rate <= 0.096\ngini = 0.208\nsamples = 17\nvalue = [15, 2]", fillcolor="#e89253"] ;
1953 -> 1954 ;
1955 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1954 -> 1955 ;
1956 [label="gini = 0.231\nsamples = 15\nvalue = [13, 2]", fillcolor="#e99457"] ;
1954 -> 1956 ;
1957 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1953 -> 1957 ;
1958 [label="int.rate <= 0.096\ngini = 0.091\nsamples = 42\nvalue = [40, 2]", fillcolor="#e68743"] ;
1952 -> 1958 ;
1959 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1958 -> 1959 ;
1960 [label="fico <= 724.5\ngini = 0.095\nsamples = 40\nvalue = [38, 2]", fillcolor="#e68843"] ;
1958 -> 1960 ;
1961 [label="int.rate <= 0.096\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
1960 -> 1961 ;
1962 [label="gini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
1961 -> 1962 ;
1963 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1961 -> 1963 ;
1964 [label="gini = 0.077\nsamples = 25\nvalue = [24, 1]", fillcolor="#e68641"] ;
1960 -> 1964 ;
1965 [label="int.rate <= 0.096\ngini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
1951 -> 1965 ;
1966 [label="int.rate <= 0.096\ngini = 0.287\nsamples = 23\nvalue = [19, 4]", fillcolor="#ea9c63"] ;
1965 -> 1966 ;
1967 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1966 -> 1967 ;
1968 [label="gini = 0.298\nsamples = 22\nvalue = [18, 4]", fillcolor="#eb9d65"] ;
1966 -> 1968 ;
1969 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
1965 -> 1969 ;
1970 [label="fico <= 724.5\ngini = 0.332\nsamples = 38\nvalue = [30, 8]", fillcolor="#eca36e"] ;
1926 -> 1970 ;
1971 [label="fico <= 719.5\ngini = 0.285\nsamples = 29\nvalue = [24, 5]", fillcolor="#ea9b62"] ;
1970 -> 1971 ;
1972 [label="fico <= 714.5\ngini = 0.351\nsamples = 22\nvalue = [17, 5]", fillcolor="#eda673"] ;
1971 -> 1972 ;
1973 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
1972 -> 1973 ;
1974 [label="gini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
1972 -> 1974 ;
1975 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
1971 -> 1975 ;
1976 [label="fico <= 729.5\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
1970 -> 1976 ;
1977 [label="gini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
1976 -> 1977 ;
1978 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
1976 -> 1978 ;
1979 [label="int.rate <= 0.1\ngini = 0.182\nsamples = 394\nvalue = [354, 40]", fillcolor="#e88f4f"] ;
1925 -> 1979 ;
1980 [label="gini = 0.0\nsamples = 35\nvalue = [35, 0]", fillcolor="#e58139"] ;
1979 -> 1980 ;
1981 [label="int.rate <= 0.102\ngini = 0.198\nsamples = 359\nvalue = [319, 40]", fillcolor="#e89152"] ;
1979 -> 1981 ;
1982 [label="fico <= 724.5\ngini = 0.346\nsamples = 27\nvalue = [21, 6]", fillcolor="#eca572"] ;
1981 -> 1982 ;
1983 [label="int.rate <= 0.101\ngini = 0.432\nsamples = 19\nvalue = [13, 6]", fillcolor="#f1bb94"] ;
1982 -> 1983 ;
1984 [label="fico <= 719.5\ngini = 0.36\nsamples = 17\nvalue = [13, 4]", fillcolor="#eda876"] ;
1983 -> 1984 ;
1985 [label="int.rate <= 0.1\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
1984 -> 1985 ;
1986 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
1985 -> 1986 ;
1987 [label="fico <= 714.5\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
1985 -> 1987 ;
1988 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
1987 -> 1988 ;
1989 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
1987 -> 1989 ;
1990 [label="int.rate <= 0.1\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
1984 -> 1990 ;
1991 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
1990 -> 1991 ;
1992 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
1990 -> 1992 ;
1993 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
1983 -> 1993 ;
1994 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
1982 -> 1994 ;
1995 [label="int.rate <= 0.103\ngini = 0.184\nsamples = 332\nvalue = [298, 34]", fillcolor="#e88f50"] ;
1981 -> 1995 ;
1996 [label="int.rate <= 0.102\ngini = 0.081\nsamples = 47\nvalue = [45, 2]", fillcolor="#e68742"] ;
1995 -> 1996 ;
1997 [label="fico <= 729.5\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
1996 -> 1997 ;
1998 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
1997 -> 1998 ;
1999 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
1997 -> 1999 ;
2000 [label="fico <= 719.5\ngini = 0.051\nsamples = 38\nvalue = [37, 1]", fillcolor="#e6843e"] ;
1996 -> 2000 ;
2001 [label="fico <= 714.5\ngini = 0.091\nsamples = 21\nvalue = [20, 1]", fillcolor="#e68743"] ;
2000 -> 2001 ;
2002 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2001 -> 2002 ;
2003 [label="gini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
2001 -> 2003 ;
2004 [label="gini = 0.0\nsamples = 17\nvalue = [17, 0]", fillcolor="#e58139"] ;
2000 -> 2004 ;
2005 [label="int.rate <= 0.109\ngini = 0.199\nsamples = 285\nvalue = [253, 32]", fillcolor="#e89152"] ;
1995 -> 2005 ;
2006 [label="fico <= 724.5\ngini = 0.259\nsamples = 98\nvalue = [83, 15]", fillcolor="#ea985d"] ;
2005 -> 2006 ;
2007 [label="int.rate <= 0.105\ngini = 0.221\nsamples = 71\nvalue = [62, 9]", fillcolor="#e99356"] ;
2006 -> 2007 ;
2008 [label="fico <= 714.5\ngini = 0.1\nsamples = 19\nvalue = [18, 1]", fillcolor="#e68844"] ;
2007 -> 2008 ;
2009 [label="gini = 0.0\nsamples = 12\nvalue = [12, 0]", fillcolor="#e58139"] ;
2008 -> 2009 ;
2010 [label="fico <= 719.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2008 -> 2010 ;
2011 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2010 -> 2011 ;
2012 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2010 -> 2012 ;
2013 [label="int.rate <= 0.106\ngini = 0.26\nsamples = 52\nvalue = [44, 8]", fillcolor="#ea985d"] ;
2007 -> 2013 ;
2014 [label="fico <= 714.5\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2013 -> 2014 ;
2015 [label="int.rate <= 0.105\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2014 -> 2015 ;
2016 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2015 -> 2016 ;
2017 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2015 -> 2017 ;
2018 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2014 -> 2018 ;
2019 [label="fico <= 714.5\ngini = 0.236\nsamples = 44\nvalue = [38, 6]", fillcolor="#e99558"] ;
2013 -> 2019 ;
2020 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
2019 -> 2020 ;
2021 [label="int.rate <= 0.107\ngini = 0.284\nsamples = 35\nvalue = [29, 6]", fillcolor="#ea9b62"] ;
2019 -> 2021 ;
2022 [label="fico <= 719.5\ngini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
2021 -> 2022 ;
2023 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2022 -> 2023 ;
2024 [label="int.rate <= 0.106\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2022 -> 2024 ;
2025 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
2024 -> 2025 ;
2026 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2024 -> 2026 ;
2027 [label="fico <= 719.5\ngini = 0.363\nsamples = 21\nvalue = [16, 5]", fillcolor="#eda877"] ;
2021 -> 2027 ;
2028 [label="int.rate <= 0.108\ngini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
2027 -> 2028 ;
2029 [label="int.rate <= 0.107\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2028 -> 2029 ;
2030 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2029 -> 2030 ;
2031 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2029 -> 2031 ;
2032 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2028 -> 2032 ;
2033 [label="int.rate <= 0.108\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2027 -> 2033 ;
2034 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2033 -> 2034 ;
2035 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2033 -> 2035 ;
2036 [label="int.rate <= 0.104\ngini = 0.346\nsamples = 27\nvalue = [21, 6]", fillcolor="#eca572"] ;
2006 -> 2036 ;
2037 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2036 -> 2037 ;
2038 [label="fico <= 729.5\ngini = 0.311\nsamples = 26\nvalue = [21, 5]", fillcolor="#eb9f68"] ;
2036 -> 2038 ;
2039 [label="int.rate <= 0.107\ngini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
2038 -> 2039 ;
2040 [label="int.rate <= 0.105\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2039 -> 2040 ;
2041 [label="int.rate <= 0.104\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2040 -> 2041 ;
2042 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2041 -> 2042 ;
2043 [label="int.rate <= 0.105\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2041 -> 2043 ;
2044 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2043 -> 2044 ;
2045 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2043 -> 2045 ;
2046 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2040 -> 2046 ;
2047 [label="int.rate <= 0.108\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2039 -> 2047 ;
2048 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2047 -> 2048 ;
2049 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2047 -> 2049 ;
2050 [label="int.rate <= 0.104\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
2038 -> 2050 ;
2051 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2050 -> 2051 ;
2052 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
2050 -> 2052 ;
2053 [label="fico <= 714.5\ngini = 0.165\nsamples = 187\nvalue = [170, 17]", fillcolor="#e88e4d"] ;
2005 -> 2053 ;
2054 [label="int.rate <= 0.11\ngini = 0.375\nsamples = 24\nvalue = [18, 6]", fillcolor="#eeab7b"] ;
2053 -> 2054 ;
2055 [label="int.rate <= 0.11\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2054 -> 2055 ;
2056 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2055 -> 2056 ;
2057 [label="int.rate <= 0.11\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2055 -> 2057 ;
2058 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2057 -> 2058 ;
2059 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2057 -> 2059 ;
2060 [label="int.rate <= 0.111\ngini = 0.459\nsamples = 14\nvalue = [9, 5]", fillcolor="#f3c7a7"] ;
2054 -> 2060 ;
2061 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2060 -> 2061 ;
2062 [label="gini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
2060 -> 2062 ;
2063 [label="fico <= 719.5\ngini = 0.126\nsamples = 163\nvalue = [152, 11]", fillcolor="#e78a47"] ;
2053 -> 2063 ;
2064 [label="gini = 0.0\nsamples = 40\nvalue = [40, 0]", fillcolor="#e58139"] ;
2063 -> 2064 ;
2065 [label="int.rate <= 0.11\ngini = 0.163\nsamples = 123\nvalue = [112, 11]", fillcolor="#e88d4c"] ;
2063 -> 2065 ;
2066 [label="fico <= 724.5\ngini = 0.252\nsamples = 27\nvalue = [23, 4]", fillcolor="#ea975b"] ;
2065 -> 2066 ;
2067 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2066 -> 2067 ;
2068 [label="fico <= 729.5\ngini = 0.208\nsamples = 17\nvalue = [15, 2]", fillcolor="#e89253"] ;
2066 -> 2068 ;
2069 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2068 -> 2069 ;
2070 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
2068 -> 2070 ;
2071 [label="fico <= 724.5\ngini = 0.135\nsamples = 96\nvalue = [89, 7]", fillcolor="#e78b49"] ;
2065 -> 2071 ;
2072 [label="int.rate <= 0.11\ngini = 0.083\nsamples = 46\nvalue = [44, 2]", fillcolor="#e68742"] ;
2071 -> 2072 ;
2073 [label="gini = 0.0\nsamples = 12\nvalue = [12, 0]", fillcolor="#e58139"] ;
2072 -> 2073 ;
2074 [label="int.rate <= 0.111\ngini = 0.111\nsamples = 34\nvalue = [32, 2]", fillcolor="#e78945"] ;
2072 -> 2074 ;
2075 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2074 -> 2075 ;
2076 [label="int.rate <= 0.111\ngini = 0.062\nsamples = 31\nvalue = [30, 1]", fillcolor="#e68540"] ;
2074 -> 2076 ;
2077 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2076 -> 2077 ;
2078 [label="gini = 0.064\nsamples = 30\nvalue = [29, 1]", fillcolor="#e68540"] ;
2076 -> 2078 ;
2079 [label="fico <= 729.5\ngini = 0.18\nsamples = 50\nvalue = [45, 5]", fillcolor="#e88f4f"] ;
2071 -> 2079 ;
2080 [label="int.rate <= 0.111\ngini = 0.255\nsamples = 20\nvalue = [17, 3]", fillcolor="#ea975c"] ;
2079 -> 2080 ;
2081 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2080 -> 2081 ;
2082 [label="gini = 0.208\nsamples = 17\nvalue = [15, 2]", fillcolor="#e89253"] ;
2080 -> 2082 ;
2083 [label="int.rate <= 0.111\ngini = 0.124\nsamples = 30\nvalue = [28, 2]", fillcolor="#e78a47"] ;
2079 -> 2083 ;
2084 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2083 -> 2084 ;
2085 [label="gini = 0.142\nsamples = 26\nvalue = [24, 2]", fillcolor="#e78c49"] ;
2083 -> 2085 ;
2086 [label="int.rate <= 0.112\ngini = 0.248\nsamples = 421\nvalue = [360, 61]", fillcolor="#e9965b"] ;
1924 -> 2086 ;
2087 [label="fico <= 719.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2086 -> 2087 ;
2088 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2087 -> 2088 ;
2089 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2087 -> 2089 ;
2090 [label="int.rate <= 0.113\ngini = 0.242\nsamples = 418\nvalue = [359, 59]", fillcolor="#e9965a"] ;
2086 -> 2090 ;
2091 [label="int.rate <= 0.113\ngini = 0.32\nsamples = 60\nvalue = [48, 12]", fillcolor="#eca06a"] ;
2090 -> 2091 ;
2092 [label="fico <= 719.5\ngini = 0.183\nsamples = 49\nvalue = [44, 5]", fillcolor="#e88f50"] ;
2091 -> 2092 ;
2093 [label="fico <= 714.5\ngini = 0.375\nsamples = 16\nvalue = [12, 4]", fillcolor="#eeab7b"] ;
2092 -> 2093 ;
2094 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2093 -> 2094 ;
2095 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2093 -> 2095 ;
2096 [label="fico <= 724.5\ngini = 0.059\nsamples = 33\nvalue = [32, 1]", fillcolor="#e6853f"] ;
2092 -> 2096 ;
2097 [label="gini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
2096 -> 2097 ;
2098 [label="gini = 0.0\nsamples = 16\nvalue = [16, 0]", fillcolor="#e58139"] ;
2096 -> 2098 ;
2099 [label="fico <= 719.5\ngini = 0.463\nsamples = 11\nvalue = [4, 7]", fillcolor="#aad5f4"] ;
2091 -> 2099 ;
2100 [label="int.rate <= 0.113\ngini = 0.375\nsamples = 8\nvalue = [2, 6]", fillcolor="#7bbeee"] ;
2099 -> 2100 ;
2101 [label="gini = 0.0\nsamples = 3\nvalue = [0, 3]", fillcolor="#399de5"] ;
2100 -> 2101 ;
2102 [label="fico <= 714.5\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
2100 -> 2102 ;
2103 [label="gini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
2102 -> 2103 ;
2104 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2102 -> 2104 ;
2105 [label="int.rate <= 0.113\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2099 -> 2105 ;
2106 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2105 -> 2106 ;
2107 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2105 -> 2107 ;
2108 [label="fico <= 724.5\ngini = 0.228\nsamples = 358\nvalue = [311, 47]", fillcolor="#e99457"] ;
2090 -> 2108 ;
2109 [label="int.rate <= 0.116\ngini = 0.191\nsamples = 225\nvalue = [201, 24]", fillcolor="#e89051"] ;
2108 -> 2109 ;
2110 [label="fico <= 714.5\ngini = 0.138\nsamples = 67\nvalue = [62, 5]", fillcolor="#e78b49"] ;
2109 -> 2110 ;
2111 [label="int.rate <= 0.114\ngini = 0.375\nsamples = 20\nvalue = [15, 5]", fillcolor="#eeab7b"] ;
2110 -> 2111 ;
2112 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2111 -> 2112 ;
2113 [label="gini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
2111 -> 2113 ;
2114 [label="gini = 0.0\nsamples = 47\nvalue = [47, 0]", fillcolor="#e58139"] ;
2110 -> 2114 ;
2115 [label="fico <= 719.5\ngini = 0.212\nsamples = 158\nvalue = [139, 19]", fillcolor="#e99254"] ;
2109 -> 2115 ;
2116 [label="int.rate <= 0.118\ngini = 0.17\nsamples = 117\nvalue = [106, 11]", fillcolor="#e88e4e"] ;
2115 -> 2116 ;
2117 [label="fico <= 714.5\ngini = 0.229\nsamples = 38\nvalue = [33, 5]", fillcolor="#e99457"] ;
2116 -> 2117 ;
2118 [label="int.rate <= 0.117\ngini = 0.298\nsamples = 22\nvalue = [18, 4]", fillcolor="#eb9d65"] ;
2117 -> 2118 ;
2119 [label="int.rate <= 0.116\ngini = 0.32\nsamples = 20\nvalue = [16, 4]", fillcolor="#eca06a"] ;
2118 -> 2119 ;
2120 [label="gini = 0.278\nsamples = 18\nvalue = [15, 3]", fillcolor="#ea9a61"] ;
2119 -> 2120 ;
2121 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2119 -> 2121 ;
2122 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2118 -> 2122 ;
2123 [label="int.rate <= 0.117\ngini = 0.117\nsamples = 16\nvalue = [15, 1]", fillcolor="#e78946"] ;
2117 -> 2123 ;
2124 [label="gini = 0.0\nsamples = 11\nvalue = [11, 0]", fillcolor="#e58139"] ;
2123 -> 2124 ;
2125 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2123 -> 2125 ;
2126 [label="fico <= 714.5\ngini = 0.14\nsamples = 79\nvalue = [73, 6]", fillcolor="#e78b49"] ;
2116 -> 2126 ;
2127 [label="gini = 0.0\nsamples = 36\nvalue = [36, 0]", fillcolor="#e58139"] ;
2126 -> 2127 ;
2128 [label="int.rate <= 0.119\ngini = 0.24\nsamples = 43\nvalue = [37, 6]", fillcolor="#e99559"] ;
2126 -> 2128 ;
2129 [label="gini = 0.278\nsamples = 24\nvalue = [20, 4]", fillcolor="#ea9a61"] ;
2128 -> 2129 ;
2130 [label="gini = 0.188\nsamples = 19\nvalue = [17, 2]", fillcolor="#e89050"] ;
2128 -> 2130 ;
2131 [label="int.rate <= 0.116\ngini = 0.314\nsamples = 41\nvalue = [33, 8]", fillcolor="#eba069"] ;
2115 -> 2131 ;
2132 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2131 -> 2132 ;
2133 [label="int.rate <= 0.117\ngini = 0.342\nsamples = 32\nvalue = [25, 7]", fillcolor="#eca470"] ;
2131 -> 2133 ;
2134 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2133 -> 2134 ;
2135 [label="int.rate <= 0.118\ngini = 0.32\nsamples = 30\nvalue = [24, 6]", fillcolor="#eca06a"] ;
2133 -> 2135 ;
2136 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2135 -> 2136 ;
2137 [label="int.rate <= 0.119\ngini = 0.328\nsamples = 29\nvalue = [23, 6]", fillcolor="#eca26d"] ;
2135 -> 2137 ;
2138 [label="gini = 0.36\nsamples = 17\nvalue = [13, 4]", fillcolor="#eda876"] ;
2137 -> 2138 ;
2139 [label="gini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
2137 -> 2139 ;
2140 [label="int.rate <= 0.114\ngini = 0.286\nsamples = 133\nvalue = [110, 23]", fillcolor="#ea9b62"] ;
2108 -> 2140 ;
2141 [label="fico <= 729.5\ngini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
2140 -> 2141 ;
2142 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2141 -> 2142 ;
2143 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2141 -> 2143 ;
2144 [label="int.rate <= 0.118\ngini = 0.301\nsamples = 119\nvalue = [97, 22]", fillcolor="#eb9e66"] ;
2140 -> 2144 ;
2145 [label="int.rate <= 0.117\ngini = 0.35\nsamples = 62\nvalue = [48, 14]", fillcolor="#eda673"] ;
2144 -> 2145 ;
2146 [label="fico <= 729.5\ngini = 0.32\nsamples = 60\nvalue = [48, 12]", fillcolor="#eca06a"] ;
2145 -> 2146 ;
2147 [label="int.rate <= 0.116\ngini = 0.382\nsamples = 35\nvalue = [26, 9]", fillcolor="#eead7e"] ;
2146 -> 2147 ;
2148 [label="int.rate <= 0.115\ngini = 0.375\nsamples = 20\nvalue = [15, 5]", fillcolor="#eeab7b"] ;
2147 -> 2148 ;
2149 [label="int.rate <= 0.115\ngini = 0.388\nsamples = 19\nvalue = [14, 5]", fillcolor="#eeae80"] ;
2148 -> 2149 ;
2150 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2149 -> 2150 ;
2151 [label="gini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
2149 -> 2151 ;
2152 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2148 -> 2152 ;
2153 [label="gini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
2147 -> 2153 ;
2154 [label="int.rate <= 0.115\ngini = 0.211\nsamples = 25\nvalue = [22, 3]", fillcolor="#e99254"] ;
2146 -> 2154 ;
2155 [label="gini = 0.105\nsamples = 18\nvalue = [17, 1]", fillcolor="#e78845"] ;
2154 -> 2155 ;
2156 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2154 -> 2156 ;
2157 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2145 -> 2157 ;
2158 [label="fico <= 729.5\ngini = 0.241\nsamples = 57\nvalue = [49, 8]", fillcolor="#e99659"] ;
2144 -> 2158 ;
2159 [label="int.rate <= 0.119\ngini = 0.198\nsamples = 27\nvalue = [24, 3]", fillcolor="#e89152"] ;
2158 -> 2159 ;
2160 [label="gini = 0.0\nsamples = 14\nvalue = [14, 0]", fillcolor="#e58139"] ;
2159 -> 2160 ;
2161 [label="gini = 0.355\nsamples = 13\nvalue = [10, 3]", fillcolor="#eda774"] ;
2159 -> 2161 ;
2162 [label="int.rate <= 0.119\ngini = 0.278\nsamples = 30\nvalue = [25, 5]", fillcolor="#ea9a61"] ;
2158 -> 2162 ;
2163 [label="gini = 0.32\nsamples = 20\nvalue = [16, 4]", fillcolor="#eca06a"] ;
2162 -> 2163 ;
2164 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2162 -> 2164 ;
2165 [label="fico <= 729.5\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
1923 -> 2165 ;
2166 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2165 -> 2166 ;
2167 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2165 -> 2167 ;
2168 [label="fico <= 719.5\ngini = 0.143\nsamples = 90\nvalue = [83, 7]", fillcolor="#e78c4a"] ;
1922 -> 2168 ;
2169 [label="fico <= 714.5\ngini = 0.18\nsamples = 50\nvalue = [45, 5]", fillcolor="#e88f4f"] ;
2168 -> 2169 ;
2170 [label="int.rate <= 0.122\ngini = 0.124\nsamples = 30\nvalue = [28, 2]", fillcolor="#e78a47"] ;
2169 -> 2170 ;
2171 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2170 -> 2171 ;
2172 [label="gini = 0.147\nsamples = 25\nvalue = [23, 2]", fillcolor="#e78c4a"] ;
2170 -> 2172 ;
2173 [label="int.rate <= 0.121\ngini = 0.255\nsamples = 20\nvalue = [17, 3]", fillcolor="#ea975c"] ;
2169 -> 2173 ;
2174 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2173 -> 2174 ;
2175 [label="gini = 0.266\nsamples = 19\nvalue = [16, 3]", fillcolor="#ea995e"] ;
2173 -> 2175 ;
2176 [label="fico <= 729.5\ngini = 0.095\nsamples = 40\nvalue = [38, 2]", fillcolor="#e68843"] ;
2168 -> 2176 ;
2177 [label="fico <= 724.5\ngini = 0.114\nsamples = 33\nvalue = [31, 2]", fillcolor="#e78946"] ;
2176 -> 2177 ;
2178 [label="gini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
2177 -> 2178 ;
2179 [label="gini = 0.105\nsamples = 18\nvalue = [17, 1]", fillcolor="#e78845"] ;
2177 -> 2179 ;
2180 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
2176 -> 2180 ;
2181 [label="int.rate <= 0.12\ngini = 0.323\nsamples = 143\nvalue = [114, 29]", fillcolor="#eca16b"] ;
1921 -> 2181 ;
2182 [label="int.rate <= 0.098\ngini = 0.307\nsamples = 127\nvalue = [103, 24]", fillcolor="#eb9e67"] ;
2181 -> 2182 ;
2183 [label="int.rate <= 0.096\ngini = 0.391\nsamples = 30\nvalue = [22, 8]", fillcolor="#eeaf81"] ;
2182 -> 2183 ;
2184 [label="int.rate <= 0.094\ngini = 0.33\nsamples = 24\nvalue = [19, 5]", fillcolor="#eca26d"] ;
2183 -> 2184 ;
2185 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2184 -> 2185 ;
2186 [label="int.rate <= 0.095\ngini = 0.298\nsamples = 22\nvalue = [18, 4]", fillcolor="#eb9d65"] ;
2184 -> 2186 ;
2187 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2186 -> 2187 ;
2188 [label="int.rate <= 0.096\ngini = 0.332\nsamples = 19\nvalue = [15, 4]", fillcolor="#eca36e"] ;
2186 -> 2188 ;
2189 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2188 -> 2189 ;
2190 [label="gini = 0.278\nsamples = 18\nvalue = [15, 3]", fillcolor="#ea9a61"] ;
2188 -> 2190 ;
2191 [label="int.rate <= 0.097\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
2183 -> 2191 ;
2192 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2191 -> 2192 ;
2193 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2191 -> 2193 ;
2194 [label="int.rate <= 0.102\ngini = 0.275\nsamples = 97\nvalue = [81, 16]", fillcolor="#ea9a60"] ;
2182 -> 2194 ;
2195 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2194 -> 2195 ;
2196 [label="int.rate <= 0.117\ngini = 0.287\nsamples = 92\nvalue = [76, 16]", fillcolor="#ea9c63"] ;
2194 -> 2196 ;
2197 [label="int.rate <= 0.109\ngini = 0.264\nsamples = 64\nvalue = [54, 10]", fillcolor="#ea985e"] ;
2196 -> 2197 ;
2198 [label="int.rate <= 0.109\ngini = 0.346\nsamples = 18\nvalue = [14, 4]", fillcolor="#eca572"] ;
2197 -> 2198 ;
2199 [label="int.rate <= 0.107\ngini = 0.291\nsamples = 17\nvalue = [14, 3]", fillcolor="#eb9c63"] ;
2198 -> 2199 ;
2200 [label="int.rate <= 0.105\ngini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
2199 -> 2200 ;
2201 [label="int.rate <= 0.103\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2200 -> 2201 ;
2202 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2201 -> 2202 ;
2203 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2201 -> 2203 ;
2204 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2200 -> 2204 ;
2205 [label="int.rate <= 0.108\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2199 -> 2205 ;
2206 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2205 -> 2206 ;
2207 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2205 -> 2207 ;
2208 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2198 -> 2208 ;
2209 [label="int.rate <= 0.111\ngini = 0.227\nsamples = 46\nvalue = [40, 6]", fillcolor="#e99457"] ;
2197 -> 2209 ;
2210 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2209 -> 2210 ;
2211 [label="int.rate <= 0.115\ngini = 0.278\nsamples = 36\nvalue = [30, 6]", fillcolor="#ea9a61"] ;
2209 -> 2211 ;
2212 [label="int.rate <= 0.112\ngini = 0.284\nsamples = 35\nvalue = [29, 6]", fillcolor="#ea9b62"] ;
2211 -> 2212 ;
2213 [label="gini = 0.305\nsamples = 16\nvalue = [13, 3]", fillcolor="#eb9e67"] ;
2212 -> 2213 ;
2214 [label="int.rate <= 0.114\ngini = 0.266\nsamples = 19\nvalue = [16, 3]", fillcolor="#ea995e"] ;
2212 -> 2214 ;
2215 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2214 -> 2215 ;
2216 [label="gini = 0.291\nsamples = 17\nvalue = [14, 3]", fillcolor="#eb9c63"] ;
2214 -> 2216 ;
2217 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2211 -> 2217 ;
2218 [label="int.rate <= 0.119\ngini = 0.337\nsamples = 28\nvalue = [22, 6]", fillcolor="#eca36f"] ;
2196 -> 2218 ;
2219 [label="gini = 0.388\nsamples = 19\nvalue = [14, 5]", fillcolor="#eeae80"] ;
2218 -> 2219 ;
2220 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2218 -> 2220 ;
2221 [label="gini = 0.43\nsamples = 16\nvalue = [11, 5]", fillcolor="#f1ba93"] ;
2181 -> 2221 ;
2222 [label="fico <= 744.5\ngini = 0.201\nsamples = 698\nvalue = [619, 79]", fillcolor="#e89152"] ;
1920 -> 2222 ;
2223 [label="int.rate <= 0.119\ngini = 0.129\nsamples = 144\nvalue = [134, 10]", fillcolor="#e78a48"] ;
2222 -> 2223 ;
2224 [label="int.rate <= 0.107\ngini = 0.09\nsamples = 127\nvalue = [121, 6]", fillcolor="#e68743"] ;
2223 -> 2224 ;
2225 [label="gini = 0.0\nsamples = 45\nvalue = [45, 0]", fillcolor="#e58139"] ;
2224 -> 2225 ;
2226 [label="int.rate <= 0.109\ngini = 0.136\nsamples = 82\nvalue = [76, 6]", fillcolor="#e78b49"] ;
2224 -> 2226 ;
2227 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2226 -> 2227 ;
2228 [label="int.rate <= 0.115\ngini = 0.097\nsamples = 78\nvalue = [74, 4]", fillcolor="#e68844"] ;
2226 -> 2228 ;
2229 [label="int.rate <= 0.11\ngini = 0.133\nsamples = 56\nvalue = [52, 4]", fillcolor="#e78b48"] ;
2228 -> 2229 ;
2230 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2229 -> 2230 ;
2231 [label="int.rate <= 0.111\ngini = 0.115\nsamples = 49\nvalue = [46, 3]", fillcolor="#e78946"] ;
2229 -> 2231 ;
2232 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2231 -> 2232 ;
2233 [label="int.rate <= 0.112\ngini = 0.124\nsamples = 45\nvalue = [42, 3]", fillcolor="#e78a47"] ;
2231 -> 2233 ;
2234 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
2233 -> 2234 ;
2235 [label="int.rate <= 0.112\ngini = 0.114\nsamples = 33\nvalue = [31, 2]", fillcolor="#e78946"] ;
2233 -> 2235 ;
2236 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2235 -> 2236 ;
2237 [label="int.rate <= 0.113\ngini = 0.121\nsamples = 31\nvalue = [29, 2]", fillcolor="#e78a47"] ;
2235 -> 2237 ;
2238 [label="gini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
2237 -> 2238 ;
2239 [label="int.rate <= 0.114\ngini = 0.111\nsamples = 17\nvalue = [16, 1]", fillcolor="#e78945"] ;
2237 -> 2239 ;
2240 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2239 -> 2240 ;
2241 [label="gini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
2239 -> 2241 ;
2242 [label="gini = 0.0\nsamples = 22\nvalue = [22, 0]", fillcolor="#e58139"] ;
2228 -> 2242 ;
2243 [label="int.rate <= 0.119\ngini = 0.36\nsamples = 17\nvalue = [13, 4]", fillcolor="#eda876"] ;
2223 -> 2243 ;
2244 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2243 -> 2244 ;
2245 [label="int.rate <= 0.12\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
2243 -> 2245 ;
2246 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2245 -> 2246 ;
2247 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2245 -> 2247 ;
2248 [label="int.rate <= 0.115\ngini = 0.218\nsamples = 554\nvalue = [485, 69]", fillcolor="#e99355"] ;
2222 -> 2248 ;
2249 [label="fico <= 774.5\ngini = 0.249\nsamples = 356\nvalue = [304, 52]", fillcolor="#e9975b"] ;
2248 -> 2249 ;
2250 [label="int.rate <= 0.113\ngini = 0.28\nsamples = 267\nvalue = [222, 45]", fillcolor="#ea9b61"] ;
2249 -> 2250 ;
2251 [label="fico <= 764.5\ngini = 0.273\nsamples = 264\nvalue = [221, 43]", fillcolor="#ea9a60"] ;
2250 -> 2251 ;
2252 [label="int.rate <= 0.098\ngini = 0.245\nsamples = 210\nvalue = [180, 30]", fillcolor="#e9965a"] ;
2251 -> 2252 ;
2253 [label="fico <= 749.5\ngini = 0.298\nsamples = 77\nvalue = [63, 14]", fillcolor="#eb9d65"] ;
2252 -> 2253 ;
2254 [label="int.rate <= 0.096\ngini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
2253 -> 2254 ;
2255 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2254 -> 2255 ;
2256 [label="int.rate <= 0.097\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
2254 -> 2256 ;
2257 [label="gini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
2256 -> 2257 ;
2258 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2256 -> 2258 ;
2259 [label="fico <= 754.5\ngini = 0.332\nsamples = 57\nvalue = [45, 12]", fillcolor="#eca36e"] ;
2253 -> 2259 ;
2260 [label="int.rate <= 0.094\ngini = 0.444\nsamples = 18\nvalue = [12, 6]", fillcolor="#f2c09c"] ;
2259 -> 2260 ;
2261 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2260 -> 2261 ;
2262 [label="int.rate <= 0.097\ngini = 0.457\nsamples = 17\nvalue = [11, 6]", fillcolor="#f3c6a5"] ;
2260 -> 2262 ;
2263 [label="int.rate <= 0.095\ngini = 0.469\nsamples = 16\nvalue = [10, 6]", fillcolor="#f5cdb0"] ;
2262 -> 2263 ;
2264 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2263 -> 2264 ;
2265 [label="gini = 0.459\nsamples = 14\nvalue = [9, 5]", fillcolor="#f3c7a7"] ;
2263 -> 2265 ;
2266 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2262 -> 2266 ;
2267 [label="int.rate <= 0.094\ngini = 0.26\nsamples = 39\nvalue = [33, 6]", fillcolor="#ea985d"] ;
2259 -> 2267 ;
2268 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2267 -> 2268 ;
2269 [label="int.rate <= 0.097\ngini = 0.234\nsamples = 37\nvalue = [32, 5]", fillcolor="#e99558"] ;
2267 -> 2269 ;
2270 [label="int.rate <= 0.095\ngini = 0.175\nsamples = 31\nvalue = [28, 3]", fillcolor="#e88e4e"] ;
2269 -> 2270 ;
2271 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2270 -> 2271 ;
2272 [label="int.rate <= 0.096\ngini = 0.204\nsamples = 26\nvalue = [23, 3]", fillcolor="#e89153"] ;
2270 -> 2272 ;
2273 [label="fico <= 759.5\ngini = 0.219\nsamples = 24\nvalue = [21, 3]", fillcolor="#e99355"] ;
2272 -> 2273 ;
2274 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2273 -> 2274 ;
2275 [label="gini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
2273 -> 2275 ;
2276 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2272 -> 2276 ;
2277 [label="fico <= 759.5\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2269 -> 2277 ;
2278 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2277 -> 2278 ;
2279 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2277 -> 2279 ;
2280 [label="int.rate <= 0.102\ngini = 0.212\nsamples = 133\nvalue = [117, 16]", fillcolor="#e99254"] ;
2252 -> 2280 ;
2281 [label="gini = 0.0\nsamples = 26\nvalue = [26, 0]", fillcolor="#e58139"] ;
2280 -> 2281 ;
2282 [label="fico <= 759.5\ngini = 0.254\nsamples = 107\nvalue = [91, 16]", fillcolor="#ea975c"] ;
2280 -> 2282 ;
2283 [label="int.rate <= 0.11\ngini = 0.221\nsamples = 79\nvalue = [69, 10]", fillcolor="#e99356"] ;
2282 -> 2283 ;
2284 [label="fico <= 749.5\ngini = 0.313\nsamples = 36\nvalue = [29, 7]", fillcolor="#eb9f69"] ;
2283 -> 2284 ;
2285 [label="int.rate <= 0.103\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
2284 -> 2285 ;
2286 [label="int.rate <= 0.102\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2285 -> 2286 ;
2287 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2286 -> 2287 ;
2288 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2286 -> 2288 ;
2289 [label="int.rate <= 0.107\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2285 -> 2289 ;
2290 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2289 -> 2290 ;
2291 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2289 -> 2291 ;
2292 [label="int.rate <= 0.104\ngini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
2284 -> 2292 ;
2293 [label="fico <= 754.5\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
2292 -> 2293 ;
2294 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
2293 -> 2294 ;
2295 [label="int.rate <= 0.102\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2293 -> 2295 ;
2296 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2295 -> 2296 ;
2297 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2295 -> 2297 ;
2298 [label="int.rate <= 0.106\ngini = 0.32\nsamples = 15\nvalue = [12, 3]", fillcolor="#eca06a"] ;
2292 -> 2298 ;
2299 [label="fico <= 754.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2298 -> 2299 ;
2300 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2299 -> 2300 ;
2301 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2299 -> 2301 ;
2302 [label="fico <= 754.5\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
2298 -> 2302 ;
2303 [label="int.rate <= 0.108\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2302 -> 2303 ;
2304 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2303 -> 2304 ;
2305 [label="int.rate <= 0.11\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2303 -> 2305 ;
2306 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2305 -> 2306 ;
2307 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2305 -> 2307 ;
2308 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2302 -> 2308 ;
2309 [label="int.rate <= 0.112\ngini = 0.13\nsamples = 43\nvalue = [40, 3]", fillcolor="#e78a48"] ;
2283 -> 2309 ;
2310 [label="fico <= 754.5\ngini = 0.062\nsamples = 31\nvalue = [30, 1]", fillcolor="#e68540"] ;
2309 -> 2310 ;
2311 [label="gini = 0.0\nsamples = 21\nvalue = [21, 0]", fillcolor="#e58139"] ;
2310 -> 2311 ;
2312 [label="int.rate <= 0.111\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2310 -> 2312 ;
2313 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2312 -> 2313 ;
2314 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2312 -> 2314 ;
2315 [label="fico <= 754.5\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
2309 -> 2315 ;
2316 [label="fico <= 749.5\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2315 -> 2316 ;
2317 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2316 -> 2317 ;
2318 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2316 -> 2318 ;
2319 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2315 -> 2319 ;
2320 [label="int.rate <= 0.109\ngini = 0.337\nsamples = 28\nvalue = [22, 6]", fillcolor="#eca36f"] ;
2282 -> 2320 ;
2321 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
2320 -> 2321 ;
2322 [label="int.rate <= 0.11\ngini = 0.432\nsamples = 19\nvalue = [13, 6]", fillcolor="#f1bb94"] ;
2320 -> 2322 ;
2323 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2322 -> 2323 ;
2324 [label="int.rate <= 0.112\ngini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
2322 -> 2324 ;
2325 [label="gini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
2324 -> 2325 ;
2326 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2324 -> 2326 ;
2327 [label="int.rate <= 0.112\ngini = 0.366\nsamples = 54\nvalue = [41, 13]", fillcolor="#eda978"] ;
2251 -> 2327 ;
2328 [label="int.rate <= 0.105\ngini = 0.338\nsamples = 51\nvalue = [40, 11]", fillcolor="#eca46f"] ;
2327 -> 2328 ;
2329 [label="int.rate <= 0.102\ngini = 0.298\nsamples = 33\nvalue = [27, 6]", fillcolor="#eb9d65"] ;
2328 -> 2329 ;
2330 [label="int.rate <= 0.101\ngini = 0.346\nsamples = 27\nvalue = [21, 6]", fillcolor="#eca572"] ;
2329 -> 2330 ;
2331 [label="int.rate <= 0.097\ngini = 0.311\nsamples = 26\nvalue = [21, 5]", fillcolor="#eb9f68"] ;
2330 -> 2331 ;
2332 [label="int.rate <= 0.096\ngini = 0.351\nsamples = 22\nvalue = [17, 5]", fillcolor="#eda673"] ;
2331 -> 2332 ;
2333 [label="fico <= 769.5\ngini = 0.266\nsamples = 19\nvalue = [16, 3]", fillcolor="#ea995e"] ;
2332 -> 2333 ;
2334 [label="int.rate <= 0.096\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
2333 -> 2334 ;
2335 [label="int.rate <= 0.094\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2334 -> 2335 ;
2336 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2335 -> 2336 ;
2337 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2335 -> 2337 ;
2338 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2334 -> 2338 ;
2339 [label="int.rate <= 0.095\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2333 -> 2339 ;
2340 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2339 -> 2340 ;
2341 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2339 -> 2341 ;
2342 [label="fico <= 769.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2332 -> 2342 ;
2343 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2342 -> 2343 ;
2344 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2342 -> 2344 ;
2345 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2331 -> 2345 ;
2346 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2330 -> 2346 ;
2347 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
2329 -> 2347 ;
2348 [label="int.rate <= 0.107\ngini = 0.401\nsamples = 18\nvalue = [13, 5]", fillcolor="#efb185"] ;
2328 -> 2348 ;
2349 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2348 -> 2349 ;
2350 [label="int.rate <= 0.11\ngini = 0.36\nsamples = 17\nvalue = [13, 4]", fillcolor="#eda876"] ;
2348 -> 2350 ;
2351 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2350 -> 2351 ;
2352 [label="fico <= 769.5\ngini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
2350 -> 2352 ;
2353 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2352 -> 2353 ;
2354 [label="gini = 0.397\nsamples = 11\nvalue = [8, 3]", fillcolor="#efb083"] ;
2352 -> 2354 ;
2355 [label="fico <= 769.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2327 -> 2355 ;
2356 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2355 -> 2356 ;
2357 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2355 -> 2357 ;
2358 [label="fico <= 762.0\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2250 -> 2358 ;
2359 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2358 -> 2359 ;
2360 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2358 -> 2360 ;
2361 [label="int.rate <= 0.095\ngini = 0.145\nsamples = 89\nvalue = [82, 7]", fillcolor="#e78c4a"] ;
2249 -> 2361 ;
2362 [label="int.rate <= 0.094\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2361 -> 2362 ;
2363 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2362 -> 2363 ;
2364 [label="fico <= 782.0\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2362 -> 2364 ;
2365 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2364 -> 2365 ;
2366 [label="fico <= 792.0\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2364 -> 2366 ;
2367 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2366 -> 2367 ;
2368 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2366 -> 2368 ;
2369 [label="int.rate <= 0.108\ngini = 0.136\nsamples = 82\nvalue = [76, 6]", fillcolor="#e78b49"] ;
2361 -> 2369 ;
2370 [label="fico <= 804.5\ngini = 0.107\nsamples = 53\nvalue = [50, 3]", fillcolor="#e78945"] ;
2369 -> 2370 ;
2371 [label="fico <= 784.5\ngini = 0.08\nsamples = 48\nvalue = [46, 2]", fillcolor="#e68642"] ;
2370 -> 2371 ;
2372 [label="int.rate <= 0.097\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
2371 -> 2372 ;
2373 [label="fico <= 779.5\ngini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
2372 -> 2373 ;
2374 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2373 -> 2374 ;
2375 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2373 -> 2375 ;
2376 [label="fico <= 779.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2372 -> 2376 ;
2377 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2376 -> 2377 ;
2378 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2376 -> 2378 ;
2379 [label="gini = 0.0\nsamples = 27\nvalue = [27, 0]", fillcolor="#e58139"] ;
2371 -> 2379 ;
2380 [label="int.rate <= 0.101\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2370 -> 2380 ;
2381 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2380 -> 2381 ;
2382 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2380 -> 2382 ;
2383 [label="fico <= 784.5\ngini = 0.185\nsamples = 29\nvalue = [26, 3]", fillcolor="#e89050"] ;
2369 -> 2383 ;
2384 [label="gini = 0.0\nsamples = 11\nvalue = [11, 0]", fillcolor="#e58139"] ;
2383 -> 2384 ;
2385 [label="fico <= 799.5\ngini = 0.278\nsamples = 18\nvalue = [15, 3]", fillcolor="#ea9a61"] ;
2383 -> 2385 ;
2386 [label="fico <= 789.5\ngini = 0.337\nsamples = 14\nvalue = [11, 3]", fillcolor="#eca36f"] ;
2385 -> 2386 ;
2387 [label="int.rate <= 0.112\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2386 -> 2387 ;
2388 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2387 -> 2388 ;
2389 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2387 -> 2389 ;
2390 [label="int.rate <= 0.112\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
2386 -> 2390 ;
2391 [label="int.rate <= 0.111\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2390 -> 2391 ;
2392 [label="fico <= 794.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2391 -> 2392 ;
2393 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2392 -> 2393 ;
2394 [label="int.rate <= 0.11\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2392 -> 2394 ;
2395 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2394 -> 2395 ;
2396 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2394 -> 2396 ;
2397 [label="fico <= 794.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2391 -> 2397 ;
2398 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2397 -> 2398 ;
2399 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2397 -> 2399 ;
2400 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2390 -> 2400 ;
2401 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2385 -> 2401 ;
2402 [label="fico <= 794.5\ngini = 0.157\nsamples = 198\nvalue = [181, 17]", fillcolor="#e78d4c"] ;
2248 -> 2402 ;
2403 [label="fico <= 754.5\ngini = 0.131\nsamples = 184\nvalue = [171, 13]", fillcolor="#e78b48"] ;
2402 -> 2403 ;
2404 [label="int.rate <= 0.117\ngini = 0.209\nsamples = 76\nvalue = [67, 9]", fillcolor="#e89254"] ;
2403 -> 2404 ;
2405 [label="fico <= 749.5\ngini = 0.278\nsamples = 30\nvalue = [25, 5]", fillcolor="#ea9a61"] ;
2404 -> 2405 ;
2406 [label="int.rate <= 0.115\ngini = 0.26\nsamples = 13\nvalue = [11, 2]", fillcolor="#ea985d"] ;
2405 -> 2406 ;
2407 [label="gini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2406 -> 2407 ;
2408 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2406 -> 2408 ;
2409 [label="int.rate <= 0.115\ngini = 0.291\nsamples = 17\nvalue = [14, 3]", fillcolor="#eb9c63"] ;
2405 -> 2409 ;
2410 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
2409 -> 2410 ;
2411 [label="gini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2409 -> 2411 ;
2412 [label="fico <= 749.5\ngini = 0.159\nsamples = 46\nvalue = [42, 4]", fillcolor="#e78d4c"] ;
2404 -> 2412 ;
2413 [label="int.rate <= 0.121\ngini = 0.128\nsamples = 29\nvalue = [27, 2]", fillcolor="#e78a48"] ;
2412 -> 2413 ;
2414 [label="int.rate <= 0.119\ngini = 0.095\nsamples = 20\nvalue = [19, 1]", fillcolor="#e68843"] ;
2413 -> 2414 ;
2415 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
2414 -> 2415 ;
2416 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
2414 -> 2416 ;
2417 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2413 -> 2417 ;
2418 [label="int.rate <= 0.12\ngini = 0.208\nsamples = 17\nvalue = [15, 2]", fillcolor="#e89253"] ;
2412 -> 2418 ;
2419 [label="int.rate <= 0.119\ngini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
2418 -> 2419 ;
2420 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2419 -> 2420 ;
2421 [label="gini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
2419 -> 2421 ;
2422 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2418 -> 2422 ;
2423 [label="fico <= 774.5\ngini = 0.071\nsamples = 108\nvalue = [104, 4]", fillcolor="#e68641"] ;
2403 -> 2423 ;
2424 [label="int.rate <= 0.115\ngini = 0.027\nsamples = 72\nvalue = [71, 1]", fillcolor="#e5833c"] ;
2423 -> 2424 ;
2425 [label="fico <= 759.5\ngini = 0.095\nsamples = 20\nvalue = [19, 1]", fillcolor="#e68843"] ;
2424 -> 2425 ;
2426 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2425 -> 2426 ;
2427 [label="gini = 0.0\nsamples = 13\nvalue = [13, 0]", fillcolor="#e58139"] ;
2425 -> 2427 ;
2428 [label="gini = 0.0\nsamples = 52\nvalue = [52, 0]", fillcolor="#e58139"] ;
2424 -> 2428 ;
2429 [label="int.rate <= 0.119\ngini = 0.153\nsamples = 36\nvalue = [33, 3]", fillcolor="#e78c4b"] ;
2423 -> 2429 ;
2430 [label="int.rate <= 0.117\ngini = 0.067\nsamples = 29\nvalue = [28, 1]", fillcolor="#e68640"] ;
2429 -> 2430 ;
2431 [label="gini = 0.0\nsamples = 19\nvalue = [19, 0]", fillcolor="#e58139"] ;
2430 -> 2431 ;
2432 [label="fico <= 784.5\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2430 -> 2432 ;
2433 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2432 -> 2433 ;
2434 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
2432 -> 2434 ;
2435 [label="fico <= 784.5\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2429 -> 2435 ;
2436 [label="int.rate <= 0.12\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2435 -> 2436 ;
2437 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2436 -> 2437 ;
2438 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2436 -> 2438 ;
2439 [label="fico <= 789.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2435 -> 2439 ;
2440 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2439 -> 2440 ;
2441 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2439 -> 2441 ;
2442 [label="fico <= 804.5\ngini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
2402 -> 2442 ;
2443 [label="int.rate <= 0.12\ngini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
2442 -> 2443 ;
2444 [label="int.rate <= 0.119\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
2443 -> 2444 ;
2445 [label="int.rate <= 0.117\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
2444 -> 2445 ;
2446 [label="int.rate <= 0.115\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2445 -> 2446 ;
2447 [label="fico <= 799.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2446 -> 2447 ;
2448 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2447 -> 2448 ;
2449 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2447 -> 2449 ;
2450 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2446 -> 2450 ;
2451 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2445 -> 2451 ;
2452 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2444 -> 2452 ;
2453 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2443 -> 2453 ;
2454 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2442 -> 2454 ;
2455 [label="gini = 0.0\nsamples = 18\nvalue = [18, 0]", fillcolor="#e58139"] ;
1919 -> 2455 ;
2456 [label="fico <= 789.5\ngini = 0.103\nsamples = 110\nvalue = [104, 6]", fillcolor="#e68844"] ;
1918 -> 2456 ;
2457 [label="fico <= 729.5\ngini = 0.089\nsamples = 107\nvalue = [102, 5]", fillcolor="#e68743"] ;
2456 -> 2457 ;
2458 [label="fico <= 714.5\ngini = 0.155\nsamples = 59\nvalue = [54, 5]", fillcolor="#e78d4b"] ;
2457 -> 2458 ;
2459 [label="gini = 0.1\nsamples = 19\nvalue = [18, 1]", fillcolor="#e68844"] ;
2458 -> 2459 ;
2460 [label="fico <= 719.5\ngini = 0.18\nsamples = 40\nvalue = [36, 4]", fillcolor="#e88f4f"] ;
2458 -> 2460 ;
2461 [label="gini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
2460 -> 2461 ;
2462 [label="fico <= 724.5\ngini = 0.165\nsamples = 22\nvalue = [20, 2]", fillcolor="#e88e4d"] ;
2460 -> 2462 ;
2463 [label="gini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
2462 -> 2463 ;
2464 [label="gini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2462 -> 2464 ;
2465 [label="gini = 0.0\nsamples = 48\nvalue = [48, 0]", fillcolor="#e58139"] ;
2457 -> 2465 ;
2466 [label="fico <= 797.0\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2456 -> 2466 ;
2467 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2466 -> 2467 ;
2468 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2466 -> 2468 ;
2469 [label="int.rate <= 0.146\ngini = 0.337\nsamples = 583\nvalue = [458, 125]", fillcolor="#eca36f"] ;
1917 -> 2469 ;
2470 [label="int.rate <= 0.139\ngini = 0.347\nsamples = 537\nvalue = [417, 120]", fillcolor="#eca572"] ;
2469 -> 2470 ;
2471 [label="fico <= 714.5\ngini = 0.333\nsamples = 474\nvalue = [374, 100]", fillcolor="#eca36e"] ;
2470 -> 2471 ;
2472 [label="int.rate <= 0.123\ngini = 0.269\nsamples = 100\nvalue = [84, 16]", fillcolor="#ea995f"] ;
2471 -> 2472 ;
2473 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2472 -> 2473 ;
2474 [label="int.rate <= 0.129\ngini = 0.257\nsamples = 99\nvalue = [84, 15]", fillcolor="#ea985c"] ;
2472 -> 2474 ;
2475 [label="int.rate <= 0.126\ngini = 0.212\nsamples = 58\nvalue = [51, 7]", fillcolor="#e99254"] ;
2474 -> 2475 ;
2476 [label="int.rate <= 0.125\ngini = 0.26\nsamples = 26\nvalue = [22, 4]", fillcolor="#ea985d"] ;
2475 -> 2476 ;
2477 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2476 -> 2477 ;
2478 [label="gini = 0.278\nsamples = 24\nvalue = [20, 4]", fillcolor="#ea9a61"] ;
2476 -> 2478 ;
2479 [label="int.rate <= 0.128\ngini = 0.17\nsamples = 32\nvalue = [29, 3]", fillcolor="#e88e4d"] ;
2475 -> 2479 ;
2480 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
2479 -> 2480 ;
2481 [label="int.rate <= 0.128\ngini = 0.219\nsamples = 24\nvalue = [21, 3]", fillcolor="#e99355"] ;
2479 -> 2481 ;
2482 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2481 -> 2482 ;
2483 [label="int.rate <= 0.129\ngini = 0.159\nsamples = 23\nvalue = [21, 2]", fillcolor="#e78d4c"] ;
2481 -> 2483 ;
2484 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2483 -> 2484 ;
2485 [label="gini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
2483 -> 2485 ;
2486 [label="int.rate <= 0.132\ngini = 0.314\nsamples = 41\nvalue = [33, 8]", fillcolor="#eba069"] ;
2474 -> 2486 ;
2487 [label="int.rate <= 0.131\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
2486 -> 2487 ;
2488 [label="int.rate <= 0.13\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2487 -> 2488 ;
2489 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2488 -> 2489 ;
2490 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2488 -> 2490 ;
2491 [label="gini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
2487 -> 2491 ;
2492 [label="int.rate <= 0.133\ngini = 0.208\nsamples = 34\nvalue = [30, 4]", fillcolor="#e89253"] ;
2486 -> 2492 ;
2493 [label="gini = 0.0\nsamples = 9\nvalue = [9, 0]", fillcolor="#e58139"] ;
2492 -> 2493 ;
2494 [label="int.rate <= 0.134\ngini = 0.269\nsamples = 25\nvalue = [21, 4]", fillcolor="#ea995f"] ;
2492 -> 2494 ;
2495 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2494 -> 2495 ;
2496 [label="int.rate <= 0.135\ngini = 0.227\nsamples = 23\nvalue = [20, 3]", fillcolor="#e99457"] ;
2494 -> 2496 ;
2497 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2496 -> 2497 ;
2498 [label="int.rate <= 0.138\ngini = 0.278\nsamples = 18\nvalue = [15, 3]", fillcolor="#ea9a61"] ;
2496 -> 2498 ;
2499 [label="int.rate <= 0.136\ngini = 0.305\nsamples = 16\nvalue = [13, 3]", fillcolor="#eb9e67"] ;
2498 -> 2499 ;
2500 [label="gini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2499 -> 2500 ;
2501 [label="int.rate <= 0.137\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2499 -> 2501 ;
2502 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2501 -> 2502 ;
2503 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2501 -> 2503 ;
2504 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2498 -> 2504 ;
2505 [label="fico <= 774.5\ngini = 0.348\nsamples = 374\nvalue = [290, 84]", fillcolor="#eda572"] ;
2471 -> 2505 ;
2506 [label="fico <= 734.5\ngini = 0.357\nsamples = 353\nvalue = [271, 82]", fillcolor="#eda775"] ;
2505 -> 2506 ;
2507 [label="int.rate <= 0.132\ngini = 0.336\nsamples = 257\nvalue = [202, 55]", fillcolor="#eca36f"] ;
2506 -> 2507 ;
2508 [label="fico <= 724.5\ngini = 0.308\nsamples = 205\nvalue = [166, 39]", fillcolor="#eb9f68"] ;
2507 -> 2508 ;
2509 [label="int.rate <= 0.128\ngini = 0.334\nsamples = 137\nvalue = [108, 29]", fillcolor="#eca36e"] ;
2508 -> 2509 ;
2510 [label="int.rate <= 0.128\ngini = 0.42\nsamples = 70\nvalue = [49, 21]", fillcolor="#f0b78e"] ;
2509 -> 2510 ;
2511 [label="int.rate <= 0.125\ngini = 0.412\nsamples = 69\nvalue = [49, 20]", fillcolor="#f0b48a"] ;
2510 -> 2511 ;
2512 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2511 -> 2512 ;
2513 [label="int.rate <= 0.126\ngini = 0.419\nsamples = 67\nvalue = [47, 20]", fillcolor="#f0b78d"] ;
2511 -> 2513 ;
2514 [label="fico <= 719.5\ngini = 0.404\nsamples = 57\nvalue = [41, 16]", fillcolor="#efb286"] ;
2513 -> 2514 ;
2515 [label="gini = 0.36\nsamples = 34\nvalue = [26, 8]", fillcolor="#eda876"] ;
2514 -> 2515 ;
2516 [label="gini = 0.454\nsamples = 23\nvalue = [15, 8]", fillcolor="#f3c4a3"] ;
2514 -> 2516 ;
2517 [label="fico <= 719.5\ngini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
2513 -> 2517 ;
2518 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2517 -> 2518 ;
2519 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2517 -> 2519 ;
2520 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2510 -> 2520 ;
2521 [label="int.rate <= 0.131\ngini = 0.21\nsamples = 67\nvalue = [59, 8]", fillcolor="#e99254"] ;
2509 -> 2521 ;
2522 [label="int.rate <= 0.129\ngini = 0.256\nsamples = 53\nvalue = [45, 8]", fillcolor="#ea975c"] ;
2521 -> 2522 ;
2523 [label="fico <= 719.5\ngini = 0.087\nsamples = 22\nvalue = [21, 1]", fillcolor="#e68742"] ;
2522 -> 2523 ;
2524 [label="gini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
2523 -> 2524 ;
2525 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2523 -> 2525 ;
2526 [label="int.rate <= 0.131\ngini = 0.35\nsamples = 31\nvalue = [24, 7]", fillcolor="#eda673"] ;
2522 -> 2526 ;
2527 [label="int.rate <= 0.129\ngini = 0.337\nsamples = 28\nvalue = [22, 6]", fillcolor="#eca36f"] ;
2526 -> 2527 ;
2528 [label="fico <= 719.5\ngini = 0.365\nsamples = 25\nvalue = [19, 6]", fillcolor="#eda978"] ;
2527 -> 2528 ;
2529 [label="gini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
2528 -> 2529 ;
2530 [label="gini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2528 -> 2530 ;
2531 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2527 -> 2531 ;
2532 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2526 -> 2532 ;
2533 [label="gini = 0.0\nsamples = 14\nvalue = [14, 0]", fillcolor="#e58139"] ;
2521 -> 2533 ;
2534 [label="int.rate <= 0.13\ngini = 0.251\nsamples = 68\nvalue = [58, 10]", fillcolor="#e9975b"] ;
2508 -> 2534 ;
2535 [label="fico <= 729.5\ngini = 0.153\nsamples = 60\nvalue = [55, 5]", fillcolor="#e78c4b"] ;
2534 -> 2535 ;
2536 [label="int.rate <= 0.129\ngini = 0.202\nsamples = 35\nvalue = [31, 4]", fillcolor="#e89153"] ;
2535 -> 2536 ;
2537 [label="int.rate <= 0.128\ngini = 0.17\nsamples = 32\nvalue = [29, 3]", fillcolor="#e88e4d"] ;
2536 -> 2537 ;
2538 [label="int.rate <= 0.124\ngini = 0.142\nsamples = 26\nvalue = [24, 2]", fillcolor="#e78c49"] ;
2537 -> 2538 ;
2539 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2538 -> 2539 ;
2540 [label="int.rate <= 0.126\ngini = 0.147\nsamples = 25\nvalue = [23, 2]", fillcolor="#e78c4a"] ;
2538 -> 2540 ;
2541 [label="gini = 0.153\nsamples = 24\nvalue = [22, 2]", fillcolor="#e78c4b"] ;
2540 -> 2541 ;
2542 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2540 -> 2542 ;
2543 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2537 -> 2543 ;
2544 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2536 -> 2544 ;
2545 [label="int.rate <= 0.126\ngini = 0.077\nsamples = 25\nvalue = [24, 1]", fillcolor="#e68641"] ;
2535 -> 2545 ;
2546 [label="gini = 0.124\nsamples = 15\nvalue = [14, 1]", fillcolor="#e78a47"] ;
2545 -> 2546 ;
2547 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2545 -> 2547 ;
2548 [label="fico <= 729.5\ngini = 0.469\nsamples = 8\nvalue = [3, 5]", fillcolor="#b0d8f5"] ;
2534 -> 2548 ;
2549 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2548 -> 2549 ;
2550 [label="int.rate <= 0.131\ngini = 0.32\nsamples = 5\nvalue = [1, 4]", fillcolor="#6ab6ec"] ;
2548 -> 2550 ;
2551 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2550 -> 2551 ;
2552 [label="gini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
2550 -> 2552 ;
2553 [label="int.rate <= 0.137\ngini = 0.426\nsamples = 52\nvalue = [36, 16]", fillcolor="#f1b991"] ;
2507 -> 2553 ;
2554 [label="fico <= 719.5\ngini = 0.402\nsamples = 43\nvalue = [31, 12]", fillcolor="#efb286"] ;
2553 -> 2554 ;
2555 [label="int.rate <= 0.136\ngini = 0.32\nsamples = 15\nvalue = [12, 3]", fillcolor="#eca06a"] ;
2554 -> 2555 ;
2556 [label="int.rate <= 0.134\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
2555 -> 2556 ;
2557 [label="int.rate <= 0.132\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2556 -> 2557 ;
2558 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2557 -> 2558 ;
2559 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2557 -> 2559 ;
2560 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2556 -> 2560 ;
2561 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2555 -> 2561 ;
2562 [label="int.rate <= 0.135\ngini = 0.436\nsamples = 28\nvalue = [19, 9]", fillcolor="#f1bd97"] ;
2554 -> 2562 ;
2563 [label="fico <= 724.5\ngini = 0.465\nsamples = 19\nvalue = [12, 7]", fillcolor="#f4caac"] ;
2562 -> 2563 ;
2564 [label="int.rate <= 0.133\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2563 -> 2564 ;
2565 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2564 -> 2565 ;
2566 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2564 -> 2566 ;
2567 [label="int.rate <= 0.132\ngini = 0.486\nsamples = 12\nvalue = [7, 5]", fillcolor="#f8dbc6"] ;
2563 -> 2567 ;
2568 [label="fico <= 729.5\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
2567 -> 2568 ;
2569 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2568 -> 2569 ;
2570 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2568 -> 2570 ;
2571 [label="int.rate <= 0.134\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2567 -> 2571 ;
2572 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2571 -> 2572 ;
2573 [label="fico <= 729.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2571 -> 2573 ;
2574 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2573 -> 2574 ;
2575 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2573 -> 2575 ;
2576 [label="fico <= 724.5\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2562 -> 2576 ;
2577 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2576 -> 2577 ;
2578 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
2576 -> 2578 ;
2579 [label="int.rate <= 0.138\ngini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
2553 -> 2579 ;
2580 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2579 -> 2580 ;
2581 [label="fico <= 719.5\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
2579 -> 2581 ;
2582 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2581 -> 2582 ;
2583 [label="int.rate <= 0.138\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2581 -> 2583 ;
2584 [label="fico <= 727.0\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2583 -> 2584 ;
2585 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2584 -> 2585 ;
2586 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2584 -> 2586 ;
2587 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2583 -> 2587 ;
2588 [label="int.rate <= 0.131\ngini = 0.404\nsamples = 96\nvalue = [69, 27]", fillcolor="#efb286"] ;
2506 -> 2588 ;
2589 [label="int.rate <= 0.126\ngini = 0.441\nsamples = 67\nvalue = [45, 22]", fillcolor="#f2bf9a"] ;
2588 -> 2589 ;
2590 [label="fico <= 754.5\ngini = 0.35\nsamples = 31\nvalue = [24, 7]", fillcolor="#eda673"] ;
2589 -> 2590 ;
2591 [label="int.rate <= 0.124\ngini = 0.255\nsamples = 20\nvalue = [17, 3]", fillcolor="#ea975c"] ;
2590 -> 2591 ;
2592 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2591 -> 2592 ;
2593 [label="fico <= 739.5\ngini = 0.198\nsamples = 18\nvalue = [16, 2]", fillcolor="#e89152"] ;
2591 -> 2593 ;
2594 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2593 -> 2594 ;
2595 [label="fico <= 749.5\ngini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
2593 -> 2595 ;
2596 [label="int.rate <= 0.125\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
2595 -> 2596 ;
2597 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2596 -> 2597 ;
2598 [label="fico <= 744.5\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2596 -> 2598 ;
2599 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2598 -> 2599 ;
2600 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2598 -> 2600 ;
2601 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2595 -> 2601 ;
2602 [label="fico <= 759.5\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
2590 -> 2602 ;
2603 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2602 -> 2603 ;
2604 [label="fico <= 769.5\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2602 -> 2604 ;
2605 [label="fico <= 764.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2604 -> 2605 ;
2606 [label="int.rate <= 0.125\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2605 -> 2606 ;
2607 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2606 -> 2607 ;
2608 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2606 -> 2608 ;
2609 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2605 -> 2609 ;
2610 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2604 -> 2610 ;
2611 [label="fico <= 739.5\ngini = 0.486\nsamples = 36\nvalue = [21, 15]", fillcolor="#f8dbc6"] ;
2589 -> 2611 ;
2612 [label="int.rate <= 0.129\ngini = 0.49\nsamples = 7\nvalue = [3, 4]", fillcolor="#cee6f8"] ;
2611 -> 2612 ;
2613 [label="int.rate <= 0.129\ngini = 0.444\nsamples = 6\nvalue = [2, 4]", fillcolor="#9ccef2"] ;
2612 -> 2613 ;
2614 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2613 -> 2614 ;
2615 [label="gini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
2613 -> 2615 ;
2616 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2612 -> 2616 ;
2617 [label="int.rate <= 0.127\ngini = 0.471\nsamples = 29\nvalue = [18, 11]", fillcolor="#f5ceb2"] ;
2611 -> 2617 ;
2618 [label="fico <= 744.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2617 -> 2618 ;
2619 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2618 -> 2619 ;
2620 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2618 -> 2620 ;
2621 [label="int.rate <= 0.128\ngini = 0.453\nsamples = 26\nvalue = [17, 9]", fillcolor="#f3c4a2"] ;
2617 -> 2621 ;
2622 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2621 -> 2622 ;
2623 [label="fico <= 744.5\ngini = 0.476\nsamples = 23\nvalue = [14, 9]", fillcolor="#f6d2b8"] ;
2621 -> 2623 ;
2624 [label="int.rate <= 0.129\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
2623 -> 2624 ;
2625 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2624 -> 2625 ;
2626 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2624 -> 2626 ;
2627 [label="fico <= 749.5\ngini = 0.444\nsamples = 18\nvalue = [12, 6]", fillcolor="#f2c09c"] ;
2623 -> 2627 ;
2628 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2627 -> 2628 ;
2629 [label="fico <= 769.5\ngini = 0.49\nsamples = 14\nvalue = [8, 6]", fillcolor="#f8e0ce"] ;
2627 -> 2629 ;
2630 [label="fico <= 764.5\ngini = 0.497\nsamples = 13\nvalue = [7, 6]", fillcolor="#fbede3"] ;
2629 -> 2630 ;
2631 [label="int.rate <= 0.129\ngini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
2630 -> 2631 ;
2632 [label="fico <= 759.5\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2631 -> 2632 ;
2633 [label="fico <= 754.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2632 -> 2633 ;
2634 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2633 -> 2634 ;
2635 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2633 -> 2635 ;
2636 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2632 -> 2636 ;
2637 [label="int.rate <= 0.13\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2631 -> 2637 ;
2638 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2637 -> 2638 ;
2639 [label="fico <= 759.5\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2637 -> 2639 ;
2640 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2639 -> 2640 ;
2641 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2639 -> 2641 ;
2642 [label="int.rate <= 0.129\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2630 -> 2642 ;
2643 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2642 -> 2643 ;
2644 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2642 -> 2644 ;
2645 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2629 -> 2645 ;
2646 [label="fico <= 739.5\ngini = 0.285\nsamples = 29\nvalue = [24, 5]", fillcolor="#ea9b62"] ;
2588 -> 2646 ;
2647 [label="int.rate <= 0.132\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
2646 -> 2647 ;
2648 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2647 -> 2648 ;
2649 [label="int.rate <= 0.133\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
2647 -> 2649 ;
2650 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2649 -> 2650 ;
2651 [label="int.rate <= 0.136\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2649 -> 2651 ;
2652 [label="int.rate <= 0.135\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2651 -> 2652 ;
2653 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2652 -> 2653 ;
2654 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2652 -> 2654 ;
2655 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2651 -> 2655 ;
2656 [label="fico <= 759.5\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
2646 -> 2656 ;
2657 [label="int.rate <= 0.132\ngini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
2656 -> 2657 ;
2658 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2657 -> 2658 ;
2659 [label="fico <= 749.5\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2657 -> 2659 ;
2660 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2659 -> 2660 ;
2661 [label="int.rate <= 0.137\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2659 -> 2661 ;
2662 [label="int.rate <= 0.135\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2661 -> 2662 ;
2663 [label="int.rate <= 0.132\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2662 -> 2663 ;
2664 [label="fico <= 754.5\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2663 -> 2664 ;
2665 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2664 -> 2665 ;
2666 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2664 -> 2666 ;
2667 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2663 -> 2667 ;
2668 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2662 -> 2668 ;
2669 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2661 -> 2669 ;
2670 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
2656 -> 2670 ;
2671 [label="int.rate <= 0.13\ngini = 0.172\nsamples = 21\nvalue = [19, 2]", fillcolor="#e88e4e"] ;
2505 -> 2671 ;
2672 [label="fico <= 799.5\ngini = 0.26\nsamples = 13\nvalue = [11, 2]", fillcolor="#ea985d"] ;
2671 -> 2672 ;
2673 [label="int.rate <= 0.127\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
2672 -> 2673 ;
2674 [label="fico <= 789.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2673 -> 2674 ;
2675 [label="int.rate <= 0.125\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2674 -> 2675 ;
2676 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2675 -> 2676 ;
2677 [label="fico <= 784.5\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2675 -> 2677 ;
2678 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2677 -> 2678 ;
2679 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2677 -> 2679 ;
2680 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2674 -> 2680 ;
2681 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2673 -> 2681 ;
2682 [label="int.rate <= 0.127\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2672 -> 2682 ;
2683 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2682 -> 2683 ;
2684 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2682 -> 2684 ;
2685 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
2671 -> 2685 ;
2686 [label="fico <= 777.0\ngini = 0.433\nsamples = 63\nvalue = [43, 20]", fillcolor="#f1bc95"] ;
2470 -> 2686 ;
2687 [label="fico <= 764.5\ngini = 0.441\nsamples = 61\nvalue = [41, 20]", fillcolor="#f2be9a"] ;
2686 -> 2687 ;
2688 [label="fico <= 759.5\ngini = 0.424\nsamples = 59\nvalue = [41, 18]", fillcolor="#f0b890"] ;
2687 -> 2688 ;
2689 [label="fico <= 754.5\ngini = 0.432\nsamples = 57\nvalue = [39, 18]", fillcolor="#f1bb94"] ;
2688 -> 2689 ;
2690 [label="int.rate <= 0.139\ngini = 0.417\nsamples = 54\nvalue = [38, 16]", fillcolor="#f0b68c"] ;
2689 -> 2690 ;
2691 [label="fico <= 734.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2690 -> 2691 ;
2692 [label="fico <= 714.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2691 -> 2692 ;
2693 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2692 -> 2693 ;
2694 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2692 -> 2694 ;
2695 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2691 -> 2695 ;
2696 [label="fico <= 729.5\ngini = 0.403\nsamples = 50\nvalue = [36, 14]", fillcolor="#efb286"] ;
2690 -> 2696 ;
2697 [label="int.rate <= 0.145\ngini = 0.35\nsamples = 31\nvalue = [24, 7]", fillcolor="#eda673"] ;
2696 -> 2697 ;
2698 [label="int.rate <= 0.14\ngini = 0.293\nsamples = 28\nvalue = [23, 5]", fillcolor="#eb9c64"] ;
2697 -> 2698 ;
2699 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
2698 -> 2699 ;
2700 [label="fico <= 724.5\ngini = 0.363\nsamples = 21\nvalue = [16, 5]", fillcolor="#eda877"] ;
2698 -> 2700 ;
2701 [label="int.rate <= 0.142\ngini = 0.444\nsamples = 15\nvalue = [10, 5]", fillcolor="#f2c09c"] ;
2700 -> 2701 ;
2702 [label="fico <= 714.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2701 -> 2702 ;
2703 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2702 -> 2703 ;
2704 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2702 -> 2704 ;
2705 [label="fico <= 719.5\ngini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
2701 -> 2705 ;
2706 [label="int.rate <= 0.143\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2705 -> 2706 ;
2707 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2706 -> 2707 ;
2708 [label="fico <= 714.5\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2706 -> 2708 ;
2709 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2708 -> 2709 ;
2710 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2708 -> 2710 ;
2711 [label="int.rate <= 0.143\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2705 -> 2711 ;
2712 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2711 -> 2712 ;
2713 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2711 -> 2713 ;
2714 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
2700 -> 2714 ;
2715 [label="fico <= 714.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2697 -> 2715 ;
2716 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2715 -> 2716 ;
2717 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2715 -> 2717 ;
2718 [label="int.rate <= 0.143\ngini = 0.465\nsamples = 19\nvalue = [12, 7]", fillcolor="#f4caac"] ;
2696 -> 2718 ;
2719 [label="fico <= 739.5\ngini = 0.498\nsamples = 15\nvalue = [8, 7]", fillcolor="#fcefe6"] ;
2718 -> 2719 ;
2720 [label="int.rate <= 0.14\ngini = 0.444\nsamples = 6\nvalue = [2, 4]", fillcolor="#9ccef2"] ;
2719 -> 2720 ;
2721 [label="gini = 0.0\nsamples = 3\nvalue = [0, 3]", fillcolor="#399de5"] ;
2720 -> 2721 ;
2722 [label="fico <= 734.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2720 -> 2722 ;
2723 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2722 -> 2723 ;
2724 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2722 -> 2724 ;
2725 [label="int.rate <= 0.141\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
2719 -> 2725 ;
2726 [label="fico <= 744.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2725 -> 2726 ;
2727 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2726 -> 2727 ;
2728 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2726 -> 2728 ;
2729 [label="fico <= 744.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2725 -> 2729 ;
2730 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2729 -> 2730 ;
2731 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2729 -> 2731 ;
2732 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2718 -> 2732 ;
2733 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2689 -> 2733 ;
2734 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2688 -> 2734 ;
2735 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2687 -> 2735 ;
2736 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2686 -> 2736 ;
2737 [label="fico <= 777.0\ngini = 0.194\nsamples = 46\nvalue = [41, 5]", fillcolor="#e89051"] ;
2469 -> 2737 ;
2738 [label="int.rate <= 0.149\ngini = 0.169\nsamples = 43\nvalue = [39, 4]", fillcolor="#e88e4d"] ;
2737 -> 2738 ;
2739 [label="fico <= 739.5\ngini = 0.128\nsamples = 29\nvalue = [27, 2]", fillcolor="#e78a48"] ;
2738 -> 2739 ;
2740 [label="gini = 0.0\nsamples = 19\nvalue = [19, 0]", fillcolor="#e58139"] ;
2739 -> 2740 ;
2741 [label="fico <= 744.5\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2739 -> 2741 ;
2742 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2741 -> 2742 ;
2743 [label="fico <= 759.5\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
2741 -> 2743 ;
2744 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2743 -> 2744 ;
2745 [label="fico <= 769.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2743 -> 2745 ;
2746 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2745 -> 2746 ;
2747 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2745 -> 2747 ;
2748 [label="fico <= 719.5\ngini = 0.245\nsamples = 14\nvalue = [12, 2]", fillcolor="#e9965a"] ;
2738 -> 2748 ;
2749 [label="fico <= 714.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2748 -> 2749 ;
2750 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2749 -> 2750 ;
2751 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2749 -> 2751 ;
2752 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2748 -> 2752 ;
2753 [label="fico <= 787.0\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2737 -> 2753 ;
2754 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2753 -> 2754 ;
2755 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2753 -> 2755 ;
2756 [label="int.rate <= 0.15\ngini = 0.352\nsamples = 737\nvalue = [569, 168]", fillcolor="#eda673"] ;
960 -> 2756 ;
2757 [label="fico <= 687.0\ngini = 0.32\nsamples = 5\nvalue = [1, 4]", fillcolor="#6ab6ec"] ;
2756 -> 2757 ;
2758 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2757 -> 2758 ;
2759 [label="fico <= 699.5\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2757 -> 2759 ;
2760 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2759 -> 2760 ;
2761 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2759 -> 2761 ;
2762 [label="int.rate <= 0.164\ngini = 0.348\nsamples = 732\nvalue = [568, 164]", fillcolor="#eda572"] ;
2756 -> 2762 ;
2763 [label="fico <= 784.5\ngini = 0.321\nsamples = 464\nvalue = [371, 93]", fillcolor="#eca16b"] ;
2762 -> 2763 ;
2764 [label="fico <= 772.0\ngini = 0.323\nsamples = 459\nvalue = [366, 93]", fillcolor="#eca16b"] ;
2763 -> 2764 ;
2765 [label="int.rate <= 0.162\ngini = 0.319\nsamples = 457\nvalue = [366, 91]", fillcolor="#eba06a"] ;
2764 -> 2765 ;
2766 [label="fico <= 704.5\ngini = 0.328\nsamples = 411\nvalue = [326, 85]", fillcolor="#eca26d"] ;
2765 -> 2766 ;
2767 [label="int.rate <= 0.153\ngini = 0.345\nsamples = 316\nvalue = [246, 70]", fillcolor="#eca571"] ;
2766 -> 2767 ;
2768 [label="fico <= 679.5\ngini = 0.393\nsamples = 123\nvalue = [90, 33]", fillcolor="#efaf82"] ;
2767 -> 2768 ;
2769 [label="int.rate <= 0.153\ngini = 0.311\nsamples = 52\nvalue = [42, 10]", fillcolor="#eb9f68"] ;
2768 -> 2769 ;
2770 [label="int.rate <= 0.153\ngini = 0.363\nsamples = 42\nvalue = [32, 10]", fillcolor="#eda877"] ;
2769 -> 2770 ;
2771 [label="fico <= 674.5\ngini = 0.255\nsamples = 20\nvalue = [17, 3]", fillcolor="#ea975c"] ;
2770 -> 2771 ;
2772 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2771 -> 2772 ;
2773 [label="int.rate <= 0.151\ngini = 0.153\nsamples = 12\nvalue = [11, 1]", fillcolor="#e78c4b"] ;
2771 -> 2773 ;
2774 [label="gini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2773 -> 2774 ;
2775 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2773 -> 2775 ;
2776 [label="fico <= 674.5\ngini = 0.434\nsamples = 22\nvalue = [15, 7]", fillcolor="#f1bc95"] ;
2770 -> 2776 ;
2777 [label="gini = 0.444\nsamples = 12\nvalue = [8, 4]", fillcolor="#f2c09c"] ;
2776 -> 2777 ;
2778 [label="gini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
2776 -> 2778 ;
2779 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2769 -> 2779 ;
2780 [label="int.rate <= 0.153\ngini = 0.438\nsamples = 71\nvalue = [48, 23]", fillcolor="#f1bd98"] ;
2768 -> 2780 ;
2781 [label="fico <= 694.5\ngini = 0.42\nsamples = 60\nvalue = [42, 18]", fillcolor="#f0b78e"] ;
2780 -> 2781 ;
2782 [label="fico <= 689.5\ngini = 0.387\nsamples = 42\nvalue = [31, 11]", fillcolor="#eeae7f"] ;
2781 -> 2782 ;
2783 [label="int.rate <= 0.153\ngini = 0.408\nsamples = 35\nvalue = [25, 10]", fillcolor="#efb388"] ;
2782 -> 2783 ;
2784 [label="int.rate <= 0.151\ngini = 0.444\nsamples = 21\nvalue = [14, 7]", fillcolor="#f2c09c"] ;
2783 -> 2784 ;
2785 [label="fico <= 684.5\ngini = 0.415\nsamples = 17\nvalue = [12, 5]", fillcolor="#f0b58b"] ;
2784 -> 2785 ;
2786 [label="gini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2785 -> 2786 ;
2787 [label="gini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
2785 -> 2787 ;
2788 [label="int.rate <= 0.152\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2784 -> 2788 ;
2789 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2788 -> 2789 ;
2790 [label="fico <= 684.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2788 -> 2790 ;
2791 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2790 -> 2791 ;
2792 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2790 -> 2792 ;
2793 [label="fico <= 684.5\ngini = 0.337\nsamples = 14\nvalue = [11, 3]", fillcolor="#eca36f"] ;
2783 -> 2793 ;
2794 [label="gini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
2793 -> 2794 ;
2795 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2793 -> 2795 ;
2796 [label="int.rate <= 0.152\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2782 -> 2796 ;
2797 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2796 -> 2797 ;
2798 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2796 -> 2798 ;
2799 [label="int.rate <= 0.151\ngini = 0.475\nsamples = 18\nvalue = [11, 7]", fillcolor="#f6d1b7"] ;
2781 -> 2799 ;
2800 [label="gini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
2799 -> 2800 ;
2801 [label="int.rate <= 0.152\ngini = 0.408\nsamples = 14\nvalue = [10, 4]", fillcolor="#efb388"] ;
2799 -> 2801 ;
2802 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2801 -> 2802 ;
2803 [label="fico <= 699.5\ngini = 0.426\nsamples = 13\nvalue = [9, 4]", fillcolor="#f1b991"] ;
2801 -> 2803 ;
2804 [label="int.rate <= 0.153\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
2803 -> 2804 ;
2805 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2804 -> 2805 ;
2806 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2804 -> 2806 ;
2807 [label="int.rate <= 0.153\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2803 -> 2807 ;
2808 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2807 -> 2808 ;
2809 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2807 -> 2809 ;
2810 [label="fico <= 699.5\ngini = 0.496\nsamples = 11\nvalue = [6, 5]", fillcolor="#fbeade"] ;
2780 -> 2810 ;
2811 [label="fico <= 694.5\ngini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
2810 -> 2811 ;
2812 [label="fico <= 684.5\ngini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
2811 -> 2812 ;
2813 [label="gini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2812 -> 2813 ;
2814 [label="fico <= 689.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2812 -> 2814 ;
2815 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2814 -> 2815 ;
2816 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2814 -> 2816 ;
2817 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2811 -> 2817 ;
2818 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2810 -> 2818 ;
2819 [label="fico <= 684.5\ngini = 0.31\nsamples = 193\nvalue = [156, 37]", fillcolor="#eb9f68"] ;
2767 -> 2819 ;
2820 [label="int.rate <= 0.161\ngini = 0.355\nsamples = 117\nvalue = [90, 27]", fillcolor="#eda774"] ;
2819 -> 2820 ;
2821 [label="int.rate <= 0.157\ngini = 0.337\nsamples = 112\nvalue = [88, 24]", fillcolor="#eca36f"] ;
2820 -> 2821 ;
2822 [label="int.rate <= 0.155\ngini = 0.387\nsamples = 61\nvalue = [45, 16]", fillcolor="#eeae7f"] ;
2821 -> 2822 ;
2823 [label="fico <= 674.5\ngini = 0.278\nsamples = 18\nvalue = [15, 3]", fillcolor="#ea9a61"] ;
2822 -> 2823 ;
2824 [label="gini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2823 -> 2824 ;
2825 [label="fico <= 679.5\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
2823 -> 2825 ;
2826 [label="int.rate <= 0.154\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
2825 -> 2826 ;
2827 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2826 -> 2827 ;
2828 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2826 -> 2828 ;
2829 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2825 -> 2829 ;
2830 [label="fico <= 674.5\ngini = 0.422\nsamples = 43\nvalue = [30, 13]", fillcolor="#f0b88f"] ;
2822 -> 2830 ;
2831 [label="int.rate <= 0.157\ngini = 0.459\nsamples = 14\nvalue = [9, 5]", fillcolor="#f3c7a7"] ;
2830 -> 2831 ;
2832 [label="int.rate <= 0.156\ngini = 0.346\nsamples = 9\nvalue = [7, 2]", fillcolor="#eca572"] ;
2831 -> 2832 ;
2833 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2832 -> 2833 ;
2834 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2832 -> 2834 ;
2835 [label="gini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
2831 -> 2835 ;
2836 [label="int.rate <= 0.157\ngini = 0.4\nsamples = 29\nvalue = [21, 8]", fillcolor="#efb184"] ;
2830 -> 2836 ;
2837 [label="fico <= 679.5\ngini = 0.426\nsamples = 13\nvalue = [9, 4]", fillcolor="#f1b991"] ;
2836 -> 2837 ;
2838 [label="gini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
2837 -> 2838 ;
2839 [label="gini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2837 -> 2839 ;
2840 [label="fico <= 679.5\ngini = 0.375\nsamples = 16\nvalue = [12, 4]", fillcolor="#eeab7b"] ;
2836 -> 2840 ;
2841 [label="gini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
2840 -> 2841 ;
2842 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2840 -> 2842 ;
2843 [label="fico <= 674.5\ngini = 0.265\nsamples = 51\nvalue = [43, 8]", fillcolor="#ea985e"] ;
2821 -> 2843 ;
2844 [label="int.rate <= 0.16\ngini = 0.159\nsamples = 23\nvalue = [21, 2]", fillcolor="#e78d4c"] ;
2843 -> 2844 ;
2845 [label="int.rate <= 0.159\ngini = 0.095\nsamples = 20\nvalue = [19, 1]", fillcolor="#e68843"] ;
2844 -> 2845 ;
2846 [label="int.rate <= 0.158\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2845 -> 2846 ;
2847 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2846 -> 2847 ;
2848 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2846 -> 2848 ;
2849 [label="gini = 0.0\nsamples = 14\nvalue = [14, 0]", fillcolor="#e58139"] ;
2845 -> 2849 ;
2850 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2844 -> 2850 ;
2851 [label="int.rate <= 0.157\ngini = 0.337\nsamples = 28\nvalue = [22, 6]", fillcolor="#eca36f"] ;
2843 -> 2851 ;
2852 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2851 -> 2852 ;
2853 [label="int.rate <= 0.16\ngini = 0.355\nsamples = 26\nvalue = [20, 6]", fillcolor="#eda774"] ;
2851 -> 2853 ;
2854 [label="int.rate <= 0.158\ngini = 0.375\nsamples = 24\nvalue = [18, 6]", fillcolor="#eeab7b"] ;
2853 -> 2854 ;
2855 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2854 -> 2855 ;
2856 [label="int.rate <= 0.159\ngini = 0.363\nsamples = 21\nvalue = [16, 5]", fillcolor="#eda877"] ;
2854 -> 2856 ;
2857 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2856 -> 2857 ;
2858 [label="fico <= 679.5\ngini = 0.375\nsamples = 20\nvalue = [15, 5]", fillcolor="#eeab7b"] ;
2856 -> 2858 ;
2859 [label="gini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
2858 -> 2859 ;
2860 [label="gini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
2858 -> 2860 ;
2861 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2853 -> 2861 ;
2862 [label="fico <= 674.5\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
2820 -> 2862 ;
2863 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2862 -> 2863 ;
2864 [label="fico <= 679.5\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
2862 -> 2864 ;
2865 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2864 -> 2865 ;
2866 [label="int.rate <= 0.161\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2864 -> 2866 ;
2867 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2866 -> 2867 ;
2868 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2866 -> 2868 ;
2869 [label="int.rate <= 0.159\ngini = 0.229\nsamples = 76\nvalue = [66, 10]", fillcolor="#e99457"] ;
2819 -> 2869 ;
2870 [label="fico <= 694.5\ngini = 0.083\nsamples = 46\nvalue = [44, 2]", fillcolor="#e68742"] ;
2869 -> 2870 ;
2871 [label="int.rate <= 0.156\ngini = 0.124\nsamples = 30\nvalue = [28, 2]", fillcolor="#e78a47"] ;
2870 -> 2871 ;
2872 [label="gini = 0.0\nsamples = 10\nvalue = [10, 0]", fillcolor="#e58139"] ;
2871 -> 2872 ;
2873 [label="int.rate <= 0.157\ngini = 0.18\nsamples = 20\nvalue = [18, 2]", fillcolor="#e88f4f"] ;
2871 -> 2873 ;
2874 [label="fico <= 689.5\ngini = 0.278\nsamples = 12\nvalue = [10, 2]", fillcolor="#ea9a61"] ;
2873 -> 2874 ;
2875 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2874 -> 2875 ;
2876 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2874 -> 2876 ;
2877 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
2873 -> 2877 ;
2878 [label="gini = 0.0\nsamples = 16\nvalue = [16, 0]", fillcolor="#e58139"] ;
2870 -> 2878 ;
2879 [label="int.rate <= 0.16\ngini = 0.391\nsamples = 30\nvalue = [22, 8]", fillcolor="#eeaf81"] ;
2869 -> 2879 ;
2880 [label="fico <= 699.5\ngini = 0.444\nsamples = 24\nvalue = [16, 8]", fillcolor="#f2c09c"] ;
2879 -> 2880 ;
2881 [label="fico <= 694.5\ngini = 0.391\nsamples = 15\nvalue = [11, 4]", fillcolor="#eeaf81"] ;
2880 -> 2881 ;
2882 [label="fico <= 689.5\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
2881 -> 2882 ;
2883 [label="gini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
2882 -> 2883 ;
2884 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2882 -> 2884 ;
2885 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2881 -> 2885 ;
2886 [label="gini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
2880 -> 2886 ;
2887 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
2879 -> 2887 ;
2888 [label="int.rate <= 0.156\ngini = 0.266\nsamples = 95\nvalue = [80, 15]", fillcolor="#ea995e"] ;
2766 -> 2888 ;
2889 [label="fico <= 724.5\ngini = 0.13\nsamples = 43\nvalue = [40, 3]", fillcolor="#e78a48"] ;
2888 -> 2889 ;
2890 [label="fico <= 709.5\ngini = 0.071\nsamples = 27\nvalue = [26, 1]", fillcolor="#e68641"] ;
2889 -> 2890 ;
2891 [label="int.rate <= 0.153\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2890 -> 2891 ;
2892 [label="int.rate <= 0.153\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2891 -> 2892 ;
2893 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2892 -> 2893 ;
2894 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2892 -> 2894 ;
2895 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2891 -> 2895 ;
2896 [label="gini = 0.0\nsamples = 17\nvalue = [17, 0]", fillcolor="#e58139"] ;
2890 -> 2896 ;
2897 [label="int.rate <= 0.152\ngini = 0.219\nsamples = 16\nvalue = [14, 2]", fillcolor="#e99355"] ;
2889 -> 2897 ;
2898 [label="fico <= 744.5\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2897 -> 2898 ;
2899 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2898 -> 2899 ;
2900 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2898 -> 2900 ;
2901 [label="fico <= 729.5\ngini = 0.133\nsamples = 14\nvalue = [13, 1]", fillcolor="#e78b48"] ;
2897 -> 2901 ;
2902 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2901 -> 2902 ;
2903 [label="gini = 0.0\nsamples = 11\nvalue = [11, 0]", fillcolor="#e58139"] ;
2901 -> 2903 ;
2904 [label="fico <= 709.5\ngini = 0.355\nsamples = 52\nvalue = [40, 12]", fillcolor="#eda774"] ;
2888 -> 2904 ;
2905 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2904 -> 2905 ;
2906 [label="fico <= 719.5\ngini = 0.38\nsamples = 47\nvalue = [35, 12]", fillcolor="#eeac7d"] ;
2904 -> 2906 ;
2907 [label="int.rate <= 0.157\ngini = 0.473\nsamples = 13\nvalue = [8, 5]", fillcolor="#f5d0b5"] ;
2906 -> 2907 ;
2908 [label="fico <= 714.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2907 -> 2908 ;
2909 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2908 -> 2909 ;
2910 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2908 -> 2910 ;
2911 [label="fico <= 714.5\ngini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
2907 -> 2911 ;
2912 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2911 -> 2912 ;
2913 [label="int.rate <= 0.157\ngini = 0.444\nsamples = 6\nvalue = [2, 4]", fillcolor="#9ccef2"] ;
2911 -> 2913 ;
2914 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2913 -> 2914 ;
2915 [label="int.rate <= 0.159\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2913 -> 2915 ;
2916 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2915 -> 2916 ;
2917 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2915 -> 2917 ;
2918 [label="int.rate <= 0.16\ngini = 0.327\nsamples = 34\nvalue = [27, 7]", fillcolor="#eca26c"] ;
2906 -> 2918 ;
2919 [label="fico <= 759.5\ngini = 0.342\nsamples = 32\nvalue = [25, 7]", fillcolor="#eca470"] ;
2918 -> 2919 ;
2920 [label="fico <= 744.5\ngini = 0.358\nsamples = 30\nvalue = [23, 7]", fillcolor="#eda775"] ;
2919 -> 2920 ;
2921 [label="int.rate <= 0.159\ngini = 0.308\nsamples = 21\nvalue = [17, 4]", fillcolor="#eb9f68"] ;
2920 -> 2921 ;
2922 [label="int.rate <= 0.157\ngini = 0.375\nsamples = 16\nvalue = [12, 4]", fillcolor="#eeab7b"] ;
2921 -> 2922 ;
2923 [label="fico <= 729.5\ngini = 0.32\nsamples = 15\nvalue = [12, 3]", fillcolor="#eca06a"] ;
2922 -> 2923 ;
2924 [label="fico <= 724.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2923 -> 2924 ;
2925 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2924 -> 2925 ;
2926 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2924 -> 2926 ;
2927 [label="fico <= 734.5\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
2923 -> 2927 ;
2928 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2927 -> 2928 ;
2929 [label="fico <= 739.5\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2927 -> 2929 ;
2930 [label="int.rate <= 0.157\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2929 -> 2930 ;
2931 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2930 -> 2931 ;
2932 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2930 -> 2932 ;
2933 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
2929 -> 2933 ;
2934 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2922 -> 2934 ;
2935 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2921 -> 2935 ;
2936 [label="int.rate <= 0.157\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
2920 -> 2936 ;
2937 [label="fico <= 749.5\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2936 -> 2937 ;
2938 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2937 -> 2938 ;
2939 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2937 -> 2939 ;
2940 [label="fico <= 749.5\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
2936 -> 2940 ;
2941 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2940 -> 2941 ;
2942 [label="fico <= 754.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2940 -> 2942 ;
2943 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2942 -> 2943 ;
2944 [label="int.rate <= 0.158\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2942 -> 2944 ;
2945 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2944 -> 2945 ;
2946 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2944 -> 2946 ;
2947 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2919 -> 2947 ;
2948 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2918 -> 2948 ;
2949 [label="fico <= 714.5\ngini = 0.227\nsamples = 46\nvalue = [40, 6]", fillcolor="#e99457"] ;
2765 -> 2949 ;
2950 [label="fico <= 674.5\ngini = 0.153\nsamples = 36\nvalue = [33, 3]", fillcolor="#e78c4b"] ;
2949 -> 2950 ;
2951 [label="int.rate <= 0.163\ngini = 0.32\nsamples = 10\nvalue = [8, 2]", fillcolor="#eca06a"] ;
2950 -> 2951 ;
2952 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2951 -> 2952 ;
2953 [label="int.rate <= 0.163\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2951 -> 2953 ;
2954 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2953 -> 2954 ;
2955 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2953 -> 2955 ;
2956 [label="fico <= 699.5\ngini = 0.074\nsamples = 26\nvalue = [25, 1]", fillcolor="#e68641"] ;
2950 -> 2956 ;
2957 [label="gini = 0.0\nsamples = 17\nvalue = [17, 0]", fillcolor="#e58139"] ;
2956 -> 2957 ;
2958 [label="fico <= 704.5\ngini = 0.198\nsamples = 9\nvalue = [8, 1]", fillcolor="#e89152"] ;
2956 -> 2958 ;
2959 [label="int.rate <= 0.163\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2958 -> 2959 ;
2960 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
2959 -> 2960 ;
2961 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2959 -> 2961 ;
2962 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
2958 -> 2962 ;
2963 [label="fico <= 719.5\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
2949 -> 2963 ;
2964 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
2963 -> 2964 ;
2965 [label="fico <= 739.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2963 -> 2965 ;
2966 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2965 -> 2966 ;
2967 [label="fico <= 752.0\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
2965 -> 2967 ;
2968 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2967 -> 2968 ;
2969 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2967 -> 2969 ;
2970 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
2764 -> 2970 ;
2971 [label="gini = 0.0\nsamples = 5\nvalue = [5, 0]", fillcolor="#e58139"] ;
2763 -> 2971 ;
2972 [label="fico <= 734.5\ngini = 0.389\nsamples = 268\nvalue = [197, 71]", fillcolor="#eeae80"] ;
2762 -> 2972 ;
2973 [label="fico <= 684.5\ngini = 0.376\nsamples = 255\nvalue = [191, 64]", fillcolor="#eeab7b"] ;
2972 -> 2973 ;
2974 [label="fico <= 679.5\ngini = 0.333\nsamples = 142\nvalue = [112, 30]", fillcolor="#eca36e"] ;
2973 -> 2974 ;
2975 [label="int.rate <= 0.164\ngini = 0.364\nsamples = 113\nvalue = [86, 27]", fillcolor="#eda977"] ;
2974 -> 2975 ;
2976 [label="fico <= 674.5\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2975 -> 2976 ;
2977 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2976 -> 2977 ;
2978 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2976 -> 2978 ;
2979 [label="int.rate <= 0.179\ngini = 0.354\nsamples = 109\nvalue = [84, 25]", fillcolor="#eda674"] ;
2975 -> 2979 ;
2980 [label="int.rate <= 0.168\ngini = 0.302\nsamples = 70\nvalue = [57, 13]", fillcolor="#eb9e66"] ;
2979 -> 2980 ;
2981 [label="int.rate <= 0.167\ngini = 0.386\nsamples = 23\nvalue = [17, 6]", fillcolor="#eead7f"] ;
2980 -> 2981 ;
2982 [label="fico <= 674.5\ngini = 0.351\nsamples = 22\nvalue = [17, 5]", fillcolor="#eda673"] ;
2981 -> 2982 ;
2983 [label="int.rate <= 0.167\ngini = 0.142\nsamples = 13\nvalue = [12, 1]", fillcolor="#e78c49"] ;
2982 -> 2983 ;
2984 [label="int.rate <= 0.165\ngini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
2983 -> 2984 ;
2985 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2984 -> 2985 ;
2986 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
2984 -> 2986 ;
2987 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
2983 -> 2987 ;
2988 [label="int.rate <= 0.167\ngini = 0.494\nsamples = 9\nvalue = [5, 4]", fillcolor="#fae6d7"] ;
2982 -> 2988 ;
2989 [label="int.rate <= 0.165\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
2988 -> 2989 ;
2990 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2989 -> 2990 ;
2991 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
2989 -> 2991 ;
2992 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
2988 -> 2992 ;
2993 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
2981 -> 2993 ;
2994 [label="int.rate <= 0.172\ngini = 0.254\nsamples = 47\nvalue = [40, 7]", fillcolor="#ea975c"] ;
2980 -> 2994 ;
2995 [label="fico <= 674.5\ngini = 0.1\nsamples = 19\nvalue = [18, 1]", fillcolor="#e68844"] ;
2994 -> 2995 ;
2996 [label="int.rate <= 0.17\ngini = 0.165\nsamples = 11\nvalue = [10, 1]", fillcolor="#e88e4d"] ;
2995 -> 2996 ;
2997 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
2996 -> 2997 ;
2998 [label="int.rate <= 0.171\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
2996 -> 2998 ;
2999 [label="gini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
2998 -> 2999 ;
3000 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
2998 -> 3000 ;
3001 [label="gini = 0.0\nsamples = 8\nvalue = [8, 0]", fillcolor="#e58139"] ;
2995 -> 3001 ;
3002 [label="int.rate <= 0.178\ngini = 0.337\nsamples = 28\nvalue = [22, 6]", fillcolor="#eca36f"] ;
2994 -> 3002 ;
3003 [label="int.rate <= 0.176\ngini = 0.375\nsamples = 24\nvalue = [18, 6]", fillcolor="#eeab7b"] ;
3002 -> 3003 ;
3004 [label="int.rate <= 0.174\ngini = 0.346\nsamples = 18\nvalue = [14, 4]", fillcolor="#eca572"] ;
3003 -> 3004 ;
3005 [label="int.rate <= 0.173\ngini = 0.408\nsamples = 7\nvalue = [5, 2]", fillcolor="#efb388"] ;
3004 -> 3005 ;
3006 [label="fico <= 674.5\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
3005 -> 3006 ;
3007 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3006 -> 3007 ;
3008 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
3006 -> 3008 ;
3009 [label="fico <= 674.5\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3005 -> 3009 ;
3010 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3009 -> 3010 ;
3011 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3009 -> 3011 ;
3012 [label="int.rate <= 0.176\ngini = 0.298\nsamples = 11\nvalue = [9, 2]", fillcolor="#eb9d65"] ;
3004 -> 3012 ;
3013 [label="int.rate <= 0.175\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
3012 -> 3013 ;
3014 [label="gini = 0.278\nsamples = 6\nvalue = [5, 1]", fillcolor="#ea9a61"] ;
3013 -> 3014 ;
3015 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3013 -> 3015 ;
3016 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
3012 -> 3016 ;
3017 [label="int.rate <= 0.177\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
3003 -> 3017 ;
3018 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3017 -> 3018 ;
3019 [label="fico <= 674.5\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
3017 -> 3019 ;
3020 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3019 -> 3020 ;
3021 [label="gini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
3019 -> 3021 ;
3022 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
3002 -> 3022 ;
3023 [label="int.rate <= 0.207\ngini = 0.426\nsamples = 39\nvalue = [27, 12]", fillcolor="#f1b991"] ;
2979 -> 3023 ;
3024 [label="int.rate <= 0.203\ngini = 0.438\nsamples = 37\nvalue = [25, 12]", fillcolor="#f1bd98"] ;
3023 -> 3024 ;
3025 [label="int.rate <= 0.181\ngini = 0.424\nsamples = 36\nvalue = [25, 11]", fillcolor="#f0b890"] ;
3024 -> 3025 ;
3026 [label="fico <= 674.5\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
3025 -> 3026 ;
3027 [label="int.rate <= 0.179\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
3026 -> 3027 ;
3028 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3027 -> 3028 ;
3029 [label="int.rate <= 0.18\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3027 -> 3029 ;
3030 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3029 -> 3030 ;
3031 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3029 -> 3031 ;
3032 [label="int.rate <= 0.18\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3026 -> 3032 ;
3033 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3032 -> 3033 ;
3034 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3032 -> 3034 ;
3035 [label="int.rate <= 0.183\ngini = 0.4\nsamples = 29\nvalue = [21, 8]", fillcolor="#efb184"] ;
3025 -> 3035 ;
3036 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
3035 -> 3036 ;
3037 [label="int.rate <= 0.184\ngini = 0.426\nsamples = 26\nvalue = [18, 8]", fillcolor="#f1b991"] ;
3035 -> 3037 ;
3038 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3037 -> 3038 ;
3039 [label="int.rate <= 0.191\ngini = 0.403\nsamples = 25\nvalue = [18, 7]", fillcolor="#efb286"] ;
3037 -> 3039 ;
3040 [label="fico <= 674.5\ngini = 0.337\nsamples = 14\nvalue = [11, 3]", fillcolor="#eca36f"] ;
3039 -> 3040 ;
3041 [label="int.rate <= 0.185\ngini = 0.219\nsamples = 8\nvalue = [7, 1]", fillcolor="#e99355"] ;
3040 -> 3041 ;
3042 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3041 -> 3042 ;
3043 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
3041 -> 3043 ;
3044 [label="int.rate <= 0.185\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
3040 -> 3044 ;
3045 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3044 -> 3045 ;
3046 [label="int.rate <= 0.187\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
3044 -> 3046 ;
3047 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3046 -> 3047 ;
3048 [label="int.rate <= 0.19\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3046 -> 3048 ;
3049 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3048 -> 3049 ;
3050 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3048 -> 3050 ;
3051 [label="int.rate <= 0.193\ngini = 0.463\nsamples = 11\nvalue = [7, 4]", fillcolor="#f4c9aa"] ;
3039 -> 3051 ;
3052 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3051 -> 3052 ;
3053 [label="fico <= 674.5\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
3051 -> 3053 ;
3054 [label="int.rate <= 0.194\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
3053 -> 3054 ;
3055 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3054 -> 3055 ;
3056 [label="int.rate <= 0.198\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
3054 -> 3056 ;
3057 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3056 -> 3057 ;
3058 [label="int.rate <= 0.201\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
3056 -> 3058 ;
3059 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3058 -> 3059 ;
3060 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3058 -> 3060 ;
3061 [label="gini = 0.0\nsamples = 4\nvalue = [4, 0]", fillcolor="#e58139"] ;
3053 -> 3061 ;
3062 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3024 -> 3062 ;
3063 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
3023 -> 3063 ;
3064 [label="int.rate <= 0.19\ngini = 0.185\nsamples = 29\nvalue = [26, 3]", fillcolor="#e89050"] ;
2974 -> 3064 ;
3065 [label="int.rate <= 0.165\ngini = 0.091\nsamples = 21\nvalue = [20, 1]", fillcolor="#e68743"] ;
3064 -> 3065 ;
3066 [label="int.rate <= 0.164\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3065 -> 3066 ;
3067 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3066 -> 3067 ;
3068 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3066 -> 3068 ;
3069 [label="gini = 0.0\nsamples = 18\nvalue = [18, 0]", fillcolor="#e58139"] ;
3065 -> 3069 ;
3070 [label="int.rate <= 0.193\ngini = 0.375\nsamples = 8\nvalue = [6, 2]", fillcolor="#eeab7b"] ;
3064 -> 3070 ;
3071 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
3070 -> 3071 ;
3072 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
3070 -> 3072 ;
3073 [label="fico <= 704.5\ngini = 0.421\nsamples = 113\nvalue = [79, 34]", fillcolor="#f0b78e"] ;
2973 -> 3073 ;
3074 [label="int.rate <= 0.201\ngini = 0.452\nsamples = 81\nvalue = [53, 28]", fillcolor="#f3c4a2"] ;
3073 -> 3074 ;
3075 [label="int.rate <= 0.2\ngini = 0.46\nsamples = 78\nvalue = [50, 28]", fillcolor="#f4c8a8"] ;
3074 -> 3075 ;
3076 [label="int.rate <= 0.198\ngini = 0.455\nsamples = 77\nvalue = [50, 27]", fillcolor="#f3c5a4"] ;
3075 -> 3076 ;
3077 [label="int.rate <= 0.193\ngini = 0.463\nsamples = 74\nvalue = [47, 27]", fillcolor="#f4c9ab"] ;
3076 -> 3077 ;
3078 [label="int.rate <= 0.188\ngini = 0.451\nsamples = 70\nvalue = [46, 24]", fillcolor="#f3c3a0"] ;
3077 -> 3078 ;
3079 [label="int.rate <= 0.174\ngini = 0.46\nsamples = 67\nvalue = [43, 24]", fillcolor="#f4c7a8"] ;
3078 -> 3079 ;
3080 [label="int.rate <= 0.168\ngini = 0.432\nsamples = 38\nvalue = [26, 12]", fillcolor="#f1bb94"] ;
3079 -> 3080 ;
3081 [label="int.rate <= 0.167\ngini = 0.475\nsamples = 18\nvalue = [11, 7]", fillcolor="#f6d1b7"] ;
3080 -> 3081 ;
3082 [label="fico <= 689.5\ngini = 0.457\nsamples = 17\nvalue = [11, 6]", fillcolor="#f3c6a5"] ;
3081 -> 3082 ;
3083 [label="int.rate <= 0.167\ngini = 0.48\nsamples = 5\nvalue = [2, 3]", fillcolor="#bddef6"] ;
3082 -> 3083 ;
3084 [label="gini = 0.0\nsamples = 2\nvalue = [0, 2]", fillcolor="#399de5"] ;
3083 -> 3084 ;
3085 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3083 -> 3085 ;
3086 [label="int.rate <= 0.167\ngini = 0.375\nsamples = 12\nvalue = [9, 3]", fillcolor="#eeab7b"] ;
3082 -> 3086 ;
3087 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
3086 -> 3087 ;
3088 [label="fico <= 699.5\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
3086 -> 3088 ;
3089 [label="fico <= 694.5\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
3088 -> 3089 ;
3090 [label="gini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
3089 -> 3090 ;
3091 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3089 -> 3091 ;
3092 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3088 -> 3092 ;
3093 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3081 -> 3093 ;
3094 [label="fico <= 689.5\ngini = 0.375\nsamples = 20\nvalue = [15, 5]", fillcolor="#eeab7b"] ;
3080 -> 3094 ;
3095 [label="int.rate <= 0.17\ngini = 0.18\nsamples = 10\nvalue = [9, 1]", fillcolor="#e88f4f"] ;
3094 -> 3095 ;
3096 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3095 -> 3096 ;
3097 [label="gini = 0.0\nsamples = 7\nvalue = [7, 0]", fillcolor="#e58139"] ;
3095 -> 3097 ;
3098 [label="int.rate <= 0.17\ngini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
3094 -> 3098 ;
3099 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
3098 -> 3099 ;
3100 [label="fico <= 694.5\ngini = 0.5\nsamples = 8\nvalue = [4, 4]", fillcolor="#ffffff"] ;
3098 -> 3100 ;
3101 [label="int.rate <= 0.171\ngini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
3100 -> 3101 ;
3102 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3101 -> 3102 ;
3103 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3101 -> 3103 ;
3104 [label="fico <= 699.5\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
3100 -> 3104 ;
3105 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
3104 -> 3105 ;
3106 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
3104 -> 3106 ;
3107 [label="int.rate <= 0.175\ngini = 0.485\nsamples = 29\nvalue = [17, 12]", fillcolor="#f7dac5"] ;
3079 -> 3107 ;
3108 [label="fico <= 692.0\ngini = 0.32\nsamples = 5\nvalue = [1, 4]", fillcolor="#6ab6ec"] ;
3107 -> 3108 ;
3109 [label="gini = 0.0\nsamples = 3\nvalue = [0, 3]", fillcolor="#399de5"] ;
3108 -> 3109 ;
3110 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3108 -> 3110 ;
3111 [label="fico <= 699.5\ngini = 0.444\nsamples = 24\nvalue = [16, 8]", fillcolor="#f2c09c"] ;
3107 -> 3111 ;
3112 [label="int.rate <= 0.186\ngini = 0.401\nsamples = 18\nvalue = [13, 5]", fillcolor="#efb185"] ;
3111 -> 3112 ;
3113 [label="fico <= 689.5\ngini = 0.415\nsamples = 17\nvalue = [12, 5]", fillcolor="#f0b58b"] ;
3112 -> 3113 ;
3114 [label="int.rate <= 0.178\ngini = 0.32\nsamples = 5\nvalue = [4, 1]", fillcolor="#eca06a"] ;
3113 -> 3114 ;
3115 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3114 -> 3115 ;
3116 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
3114 -> 3116 ;
3117 [label="int.rate <= 0.183\ngini = 0.444\nsamples = 12\nvalue = [8, 4]", fillcolor="#f2c09c"] ;
3113 -> 3117 ;
3118 [label="fico <= 694.5\ngini = 0.42\nsamples = 10\nvalue = [7, 3]", fillcolor="#f0b78e"] ;
3117 -> 3118 ;
3119 [label="int.rate <= 0.177\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
3118 -> 3119 ;
3120 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3119 -> 3120 ;
3121 [label="int.rate <= 0.179\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
3119 -> 3121 ;
3122 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3121 -> 3122 ;
3123 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3121 -> 3123 ;
3124 [label="int.rate <= 0.178\ngini = 0.375\nsamples = 4\nvalue = [3, 1]", fillcolor="#eeab7b"] ;
3118 -> 3124 ;
3125 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3124 -> 3125 ;
3126 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3124 -> 3126 ;
3127 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3117 -> 3127 ;
3128 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3112 -> 3128 ;
3129 [label="int.rate <= 0.186\ngini = 0.5\nsamples = 6\nvalue = [3, 3]", fillcolor="#ffffff"] ;
3111 -> 3129 ;
3130 [label="int.rate <= 0.182\ngini = 0.48\nsamples = 5\nvalue = [3, 2]", fillcolor="#f6d5bd"] ;
3129 -> 3130 ;
3131 [label="int.rate <= 0.178\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
3130 -> 3131 ;
3132 [label="gini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3131 -> 3132 ;
3133 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3131 -> 3133 ;
3134 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3130 -> 3134 ;
3135 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3129 -> 3135 ;
3136 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
3078 -> 3136 ;
3137 [label="int.rate <= 0.196\ngini = 0.375\nsamples = 4\nvalue = [1, 3]", fillcolor="#7bbeee"] ;
3077 -> 3137 ;
3138 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3137 -> 3138 ;
3139 [label="gini = 0.444\nsamples = 3\nvalue = [1, 2]", fillcolor="#9ccef2"] ;
3137 -> 3139 ;
3140 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
3076 -> 3140 ;
3141 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3075 -> 3141 ;
3142 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
3074 -> 3142 ;
3143 [label="fico <= 714.5\ngini = 0.305\nsamples = 32\nvalue = [26, 6]", fillcolor="#eb9e67"] ;
3073 -> 3143 ;
3144 [label="int.rate <= 0.167\ngini = 0.105\nsamples = 18\nvalue = [17, 1]", fillcolor="#e78845"] ;
3143 -> 3144 ;
3145 [label="gini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3144 -> 3145 ;
3146 [label="gini = 0.0\nsamples = 16\nvalue = [16, 0]", fillcolor="#e58139"] ;
3144 -> 3146 ;
3147 [label="int.rate <= 0.169\ngini = 0.459\nsamples = 14\nvalue = [9, 5]", fillcolor="#f3c7a7"] ;
3143 -> 3147 ;
3148 [label="gini = 0.0\nsamples = 3\nvalue = [3, 0]", fillcolor="#e58139"] ;
3147 -> 3148 ;
3149 [label="int.rate <= 0.171\ngini = 0.496\nsamples = 11\nvalue = [6, 5]", fillcolor="#fbeade"] ;
3147 -> 3149 ;
3150 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3149 -> 3150 ;
3151 [label="int.rate <= 0.191\ngini = 0.48\nsamples = 10\nvalue = [6, 4]", fillcolor="#f6d5bd"] ;
3149 -> 3151 ;
3152 [label="fico <= 729.5\ngini = 0.444\nsamples = 9\nvalue = [6, 3]", fillcolor="#f2c09c"] ;
3151 -> 3152 ;
3153 [label="int.rate <= 0.188\ngini = 0.469\nsamples = 8\nvalue = [5, 3]", fillcolor="#f5cdb0"] ;
3152 -> 3153 ;
3154 [label="int.rate <= 0.185\ngini = 0.49\nsamples = 7\nvalue = [4, 3]", fillcolor="#f8e0ce"] ;
3153 -> 3154 ;
3155 [label="int.rate <= 0.182\ngini = 0.444\nsamples = 6\nvalue = [4, 2]", fillcolor="#f2c09c"] ;
3154 -> 3155 ;
3156 [label="int.rate <= 0.178\ngini = 0.5\nsamples = 4\nvalue = [2, 2]", fillcolor="#ffffff"] ;
3155 -> 3156 ;
3157 [label="fico <= 722.0\ngini = 0.444\nsamples = 3\nvalue = [2, 1]", fillcolor="#f2c09c"] ;
3156 -> 3157 ;
3158 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3157 -> 3158 ;
3159 [label="int.rate <= 0.175\ngini = 0.5\nsamples = 2\nvalue = [1, 1]", fillcolor="#ffffff"] ;
3157 -> 3159 ;
3160 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3159 -> 3160 ;
3161 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3159 -> 3161 ;
3162 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3156 -> 3162 ;
3163 [label="gini = 0.0\nsamples = 2\nvalue = [2, 0]", fillcolor="#e58139"] ;
3155 -> 3163 ;
3164 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3154 -> 3164 ;
3165 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3153 -> 3165 ;
3166 [label="gini = 0.0\nsamples = 1\nvalue = [1, 0]", fillcolor="#e58139"] ;
3152 -> 3166 ;
3167 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3151 -> 3167 ;
3168 [label="fico <= 749.5\ngini = 0.497\nsamples = 13\nvalue = [6, 7]", fillcolor="#e3f1fb"] ;
2972 -> 3168 ;
3169 [label="gini = 0.0\nsamples = 6\nvalue = [0, 6]", fillcolor="#399de5"] ;
3168 -> 3169 ;
3170 [label="fico <= 784.5\ngini = 0.245\nsamples = 7\nvalue = [6, 1]", fillcolor="#e9965a"] ;
3168 -> 3170 ;
3171 [label="gini = 0.0\nsamples = 6\nvalue = [6, 0]", fillcolor="#e58139"] ;
3170 -> 3171 ;
3172 [label="gini = 0.0\nsamples = 1\nvalue = [0, 1]", fillcolor="#399de5"] ;
3170 -> 3172 ;
}