Results: K-Means Clustering

Replace=FULL Radius=0 Maxclusters=6 Maxiter=1

The Fastclus Procedure

y=no

Initial Seeds

y=no

Initial Seeds
Cluster age duration cons.price.idx cons.conf.idx job_admin. job_blue-collar job_entrepreneur job_housemaid job_management job_retired job_self-employed job_services job_student job_technician job_unemployed marital_divorced marital_married marital_single education_basic.4y education_basic.6y education_basic.9y education_high.school education_illiterate education_professional.course education_university.degree housing_no housing_unknown housing_yes loan_no loan_unknown loan_yes contact_cellular contact_telephone month_apr month_aug month_dec month_jul month_jun month_mar month_may month_nov month_oct month_sep
1 0.038461538 0.054290362 0.250194856 0.033472803 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000
2 0.141025641 0.033956893 0.104442712 0.719665272 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000
3 0.128205128 0.769621797 0.711613406 0.523012552 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000
4 0.858974359 0.028060187 0.935307872 0.054393305 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000
5 0.564102564 0.011386743 0.089633671 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000
6 0.551282051 0.012403416 0.069368667 0.878661088 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000

Criterion

Criterion Based on Final Seeds = 0.2825

Cluster Summary

Cluster Summary
Cluster Frequency RMS Std Deviation Maximum Distance
from Seed
to Observation		 Radius
Exceeded		 Nearest Cluster Distance Between
Cluster Centroids
1 9568 0.2775 2.6059   4 1.1213
2 904 0.2911 2.4329   4 1.9567
3 8306 0.2776 2.6620   6 1.3203
4 2633 0.2994 2.6313   1 1.1213
5 8977 0.2732 2.5510   1 1.2710
6 6160 0.2732 2.4793   3 1.3203

Statistics for Variables

Statistics for Variables
Variable Total STD Within STD R-Square RSQ/(1-RSQ)
age 0.12690 0.12411 0.043565 0.045549
duration 0.04211 0.04210 0.000384 0.000384
cons.price.idx 0.21785 0.17897 0.325143 0.481794
cons.conf.idx 0.18373 0.17639 0.078400 0.085070
job_admin. 0.43196 0.42993 0.009476 0.009566
job_blue-collar 0.42447 0.42170 0.013148 0.013323
job_entrepreneur 0.18740 0.18734 0.000752 0.000752
job_housemaid 0.15944 0.15889 0.007100 0.007151
job_management 0.25688 0.25488 0.015666 0.015915
job_retired 0.18425 0.18228 0.021401 0.021869
job_self-employed 0.18328 0.18313 0.001855 0.001859
job_services 0.29968 0.29840 0.008660 0.008735
job_student 0.12707 0.12680 0.004417 0.004437
job_technician 0.37075 0.36927 0.008105 0.008171
job_unemployed 0.15244 0.15244 0.000162 0.000162
marital_divorced 0.31680 0.30709 0.060500 0.064396
marital_married 0.48712 0.46141 0.102909 0.114715
marital_single 0.44509 0.41751 0.120214 0.136640
education_basic.4y 0.30337 0.29586 0.049080 0.051613
education_basic.6y 0.23293 0.23264 0.002645 0.002652
education_basic.9y 0.35947 0.35700 0.013810 0.014004
education_high.school 0.42220 0.41509 0.033509 0.034671
education_illiterate 0.01957 0.01957 0.000132 0.000132
education_professional.course 0.33317 0.33193 0.007585 0.007643
education_university.degree 0.45248 0.43724 0.066339 0.071053
housing_no 0.49789 0.29811 0.641556 1.789832
housing_unknown 0.15355 0.02479 0.973929 37.357292
housing_yes 0.49953 0.29841 0.643199 1.802680
loan_no 0.38119 0.31779 0.305058 0.438968
loan_unknown 0.15355 0.02479 0.973929 37.357292
loan_yes 0.35928 0.31873 0.213122 0.270845
contact_cellular 0.48778 0.22291 0.791191 3.789067
contact_telephone 0.48778 0.22291 0.791191 3.789067
month_apr 0.23236 0.22916 0.027482 0.028258
month_aug 0.35817 0.33925 0.102942 0.114756
month_dec 0.05038 0.05037 0.000357 0.000357
month_jul 0.38297 0.36704 0.081544 0.088783
month_jun 0.33654 0.31105 0.145846 0.170749
month_mar 0.08563 0.08556 0.001977 0.001981
month_may 0.47775 0.44261 0.141843 0.165287
month_nov 0.30110 0.29433 0.044583 0.046663
month_oct 0.10443 0.10434 0.001863 0.001866
month_sep 0.09229 0.09224 0.001202 0.001203
OVER-ALL 0.31687 0.27772 0.231962 0.302019

Pseudo F Statistic

Pseudo F Statistic = 2207.28

Approximate Expected Over-All R-Squared

Approximate Expected Over-All R-Squared = 0.14371

Cubic Clustering Criterion

Cubic Clustering Criterion = 334.457

WARNING: The two values above are invalid for correlated variables.

Cluster Means

Cluster Means
Cluster age duration cons.price.idx cons.conf.idx job_admin. job_blue-collar job_entrepreneur job_housemaid job_management job_retired job_self-employed job_services job_student job_technician job_unemployed marital_divorced marital_married marital_single education_basic.4y education_basic.6y education_basic.9y education_high.school education_illiterate education_professional.course education_university.degree housing_no housing_unknown housing_yes loan_no loan_unknown loan_yes contact_cellular contact_telephone month_apr month_aug month_dec month_jul month_jun month_mar month_may month_nov month_oct month_sep
1 0.2646388067 0.0445678696 0.4315020336 0.3592567100 0.2452968227 0.2572115385 0.0308319398 0.0157817726 0.0379389632 0.0168269231 0.0301003344 0.1005434783 0.0271739130 0.2070443144 0.0236204013 0.0808946488 0.4523411371 0.4653010033 0.0556020067 0.0562290970 0.2033862876 0.2489548495 0.0006270903 0.1653428094 0.2289924749 0.0536162207 0.0000000000 0.9463837793 0.9427257525 0.0000000000 0.0572742475 0.9651964883 0.0348035117 0.0981396321 0.1918896321 0.0027173913 0.2312918060 0.0222617057 0.0106605351 0.2794732441 0.1429765886 0.0105560201 0.0100334448
2 0.2904470161 0.0433723688 0.5747767780 0.4343410968 0.2278761062 0.2477876106 0.0376106195 0.0287610619 0.0763274336 0.0365044248 0.0453539823 0.1039823009 0.0143805310 0.1471238938 0.0287610619 0.1238938053 0.5840707965 0.2909292035 0.1161504425 0.0586283186 0.1526548673 0.2201327434 0.0000000000 0.1205752212 0.2931415929 0.0088495575 0.9756637168 0.0154867257 0.0000000000 0.9756637168 0.0243362832 0.5176991150 0.4823008850 0.0486725664 0.1238938053 0.0033185841 0.1692477876 0.1836283186 0.0077433628 0.3672566372 0.0774336283 0.0110619469 0.0077433628
3 0.2775889533 0.0457851652 0.7021743243 0.4766655551 0.2729352275 0.2392246569 0.0332289911 0.0241993739 0.0534553335 0.0248013484 0.0282928004 0.1430291356 0.0217914760 0.1243679268 0.0249217433 0.1236455574 0.5007223694 0.3732241753 0.0970382856 0.0574283650 0.1450758488 0.3554057308 0.0001203949 0.0961955213 0.2025042138 0.8994702625 0.0000000000 0.1005297375 0.9330604382 0.0000000000 0.0669395618 0.0986034192 0.9013965808 0.0124006742 0.0183000241 0.0013243438 0.0905369612 0.3067661931 0.0020467132 0.5355164941 0.0220322658 0.0065013243 0.0045750060
4 0.3598508088 0.0467940846 0.5275081931 0.3872668592 0.1572350930 0.2673756172 0.0364603114 0.0717812381 0.0577288264 0.1260919104 0.0208887201 0.1097607292 0.0098746677 0.1082415496 0.0250664641 0.3847322446 0.5134827193 0.0987466768 0.3266236232 0.0451955944 0.0759589821 0.2111659704 0.0003797949 0.0945689328 0.2005317129 0.2107861755 0.0003797949 0.7888340296 0.3414356248 0.0003797949 0.6581845803 0.9472085074 0.0527914926 0.0763387771 0.1519179643 0.0045575389 0.4861374858 0.0341815420 0.0110140524 0.0888720091 0.1150778580 0.0205089252 0.0113938473
5 0.3102372730 0.0440994819 0.4330870326 0.4185997409 0.2943076752 0.1568452712 0.0389885262 0.0241728863 0.1228695555 0.0419962125 0.0446697115 0.0636069957 0.0094686421 0.1767851175 0.0208310126 0.0786454272 0.7691879247 0.1503843155 0.0735212209 0.0460064610 0.1066057703 0.1425866102 0.0005569789 0.1096134566 0.4893617021 0.8478333519 0.0000000000 0.1521666481 0.9062047455 0.0000000000 0.0937952545 0.9932048569 0.0067951431 0.0835468419 0.3131335636 0.0033418737 0.1988414838 0.0191600757 0.0102484126 0.1689874123 0.1744458059 0.0159295979 0.0123649326
6 0.3088619714 0.0448356290 0.6854708425 0.4937999239 0.1938311688 0.2974025974 0.0456168831 0.0275974026 0.0754870130 0.0287337662 0.0409090909 0.0879870130 0.0056818182 0.1613636364 0.0256493506 0.0818181818 0.8318181818 0.0849025974 0.1274350649 0.0818181818 0.1827922078 0.1810064935 0.0001623377 0.1501623377 0.2336038961 0.0711038961 0.0000000000 0.9288961039 0.6974025974 0.0000000000 0.3025974026 0.0582792208 0.9417207792 0.0090909091 0.0344155844 0.0017857143 0.0555194805 0.2548701299 0.0037337662 0.5970779221 0.0316558442 0.0066558442 0.0051948052

Cluster Standard Deviations

Cluster Standard Deviations
Cluster age duration cons.price.idx cons.conf.idx job_admin. job_blue-collar job_entrepreneur job_housemaid job_management job_retired job_self-employed job_services job_student job_technician job_unemployed marital_divorced marital_married marital_single education_basic.4y education_basic.6y education_basic.9y education_high.school education_illiterate education_professional.course education_university.degree housing_no housing_unknown housing_yes loan_no loan_unknown loan_yes contact_cellular contact_telephone month_apr month_aug month_dec month_jul month_jun month_mar month_may month_nov month_oct month_sep
1 0.1210988496 0.0424005610 0.1777889697 0.1893556971 0.4302855354 0.4371198154 0.1728712083 0.1246367995 0.1910586649 0.1286293395 0.1708723380 0.3007389898 0.1625984461 0.4052087450 0.1518712896 0.2726875065 0.4977494619 0.4988205943 0.2291635055 0.2303756336 0.4025384962 0.4324301982 0.0250352265 0.3715090710 0.4202063492 0.2252705605 0.0000000000 0.2252705605 0.2323780365 0.0000000000 0.2323780365 0.1832914033 0.1832914033 0.2975189005 0.3938073258 0.0520604490 0.4216805554 0.1475411714 0.1027034105 0.4487638556 0.3500672675 0.1022041205 0.0996685158
2 0.1249205267 0.0408428235 0.2246683265 0.1780408096 0.4196944548 0.4319668059 0.1903579392 0.1672267855 0.2656682731 0.1876454150 0.2081944921 0.3054065491 0.1191193837 0.3544254661 0.1672267855 0.3296427373 0.4931542649 0.4544423517 0.3205826015 0.2350577769 0.3598535883 0.4145653557 0.0000000000 0.3258132357 0.4554547918 0.0937067570 0.1541762729 0.1235466377 0.0000000000 0.1541762729 0.1541762729 0.4999632480 0.4999632480 0.2153017072 0.3296427373 0.0575433223 0.3751781983 0.3873951101 0.0877035456 0.4823241036 0.2674262010 0.1046503461 0.0877035456
3 0.1183381600 0.0427725993 0.1761854780 0.1459883236 0.4454946502 0.4266358336 0.1792447862 0.1536769585 0.2249532246 0.1555286269 0.1658180574 0.3501236364 0.1460108706 0.3300206936 0.1558960425 0.3291965686 0.5000295796 0.4836900427 0.2960277136 0.2326733026 0.3521984968 0.4786648955 0.0109724608 0.2948769432 0.4018901627 0.3007231239 0.0000000000 0.3007231239 0.2499323457 0.0000000000 0.2499323457 0.2981467542 0.2981467542 0.1106723639 0.1340421440 0.0363696194 0.2869667827 0.4611792517 0.0451970145 0.4987670088 0.1467972736 0.0803730978 0.0674879522
4 0.1525272943 0.0452920084 0.1921194702 0.1755921119 0.3640914242 0.4426740576 0.1874681433 0.2581743729 0.2332742512 0.3320159741 0.1430389881 0.3126506623 0.0988982980 0.3107442522 0.1563567123 0.4866243739 0.4999131245 0.2983782559 0.4690673684 0.2077723469 0.2649827972 0.4082134144 0.0194883276 0.2926741913 0.4004742893 0.4079443205 0.0194883276 0.4082134144 0.4742813206 0.0194883276 0.4744081749 0.2236594500 0.2236594500 0.2655898306 0.3590095366 0.0673683269 0.4999027330 0.1817297641 0.1043881298 0.2846129657 0.3191764961 0.1417601549 0.1061522831
5 0.1287188804 0.0403929043 0.1733376848 0.2041436007 0.4557563011 0.3636750820 0.1935783959 0.1535942245 0.3283057030 0.2005916571 0.2065891639 0.2440651170 0.0968505643 0.3815079989 0.1428263068 0.2691995480 0.4213758896 0.3574676316 0.2610046736 0.2095107544 0.3086285642 0.3496702577 0.0235951423 0.3124247429 0.4999146588 0.3592023556 0.0000000000 0.3592023556 0.2915598981 0.0000000000 0.2915598981 0.0821566861 0.0821566861 0.2767224192 0.4637940240 0.0577154799 0.3991507182 0.1370950799 0.1007199717 0.3747616735 0.3795135190 0.1252101920 0.1105142596
6 0.1155588432 0.0419478075 0.1792345111 0.1470109801 0.3953302644 0.4571522931 0.2086697193 0.1638296162 0.2641970004 0.1670708478 0.1980957032 0.2832990072 0.0751694912 0.3678958891 0.1580997128 0.2741097670 0.3740580281 0.2787593247 0.3334867663 0.2741097670 0.3865274510 0.3850548171 0.0127411798 0.3572594713 0.4231573990 0.2570191742 0.0000000000 0.2570191742 0.4594197194 0.0000000000 0.4594197194 0.2342897014 0.2342897014 0.0949195822 0.1823089343 0.0422233931 0.2290100035 0.4358235670 0.0609953210 0.4905251654 0.1750963413 0.0813180015 0.0718933812

Replace=FULL Radius=0 Maxclusters=6 Maxiter=1

y=ye

Initial Seeds

y=ye

Initial Seeds
Cluster age duration cons.price.idx cons.conf.idx job_admin. job_blue-collar job_entrepreneur job_housemaid job_management job_retired job_self-employed job_services job_student job_technician job_unemployed marital_divorced marital_married marital_single education_basic.4y education_basic.6y education_basic.9y education_high.school education_illiterate education_professional.course education_university.degree housing_no housing_unknown housing_yes loan_no loan_unknown loan_yes contact_cellular contact_telephone month_apr month_aug month_dec month_jul month_jun month_mar month_may month_nov month_oct month_sep
1 0.358024691 0.208073042 0.340607950 0.154811715 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 1.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000
2 0.234567901 0.057424315 0.784879189 0.439330544 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000
3 0.888888889 0.066554541 0.778643804 0.556485356 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000
4 0.296296296 0.067515617 0.296960249 0.418410042 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000
5 0.222222222 0.097789524 0.882307093 0.376569038 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000
6 0.111111111 0.064632388 0.089633671 1.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 1.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 0.000000000 1.000000000 0.000000000

Criterion

Criterion Based on Final Seeds = 0.2871

Cluster Summary

Cluster Summary
Cluster Frequency RMS Std Deviation Maximum Distance
from Seed
to Observation		 Radius
Exceeded		 Nearest Cluster Distance Between
Cluster Centroids
1 500 0.2899 2.5887   2 1.2463
2 831 0.2952 2.7533   1 1.2463
3 729 0.2785 2.6383   4 1.2641
4 573 0.2760 2.6238   3 1.2641
5 622 0.3052 2.7260   6 1.2424
6 1385 0.2715 2.7863   5 1.2424

Statistics for Variables

Statistics for Variables
Variable Total STD Within STD R-Square RSQ/(1-RSQ)
age 0.17083 0.14525 0.277852 0.384757
duration 0.09639 0.09390 0.052071 0.054932
cons.price.idx 0.26370 0.25508 0.065324 0.069890
cons.conf.idx 0.25689 0.25331 0.028761 0.029613
job_admin. 0.45445 0.39360 0.250674 0.334532
job_blue-collar 0.34441 0.28297 0.325708 0.483038
job_entrepreneur 0.16129 0.16077 0.007540 0.007597
job_housemaid 0.14942 0.14815 0.018064 0.018396
job_management 0.25633 0.25424 0.017336 0.017642
job_retired 0.29121 0.25717 0.220947 0.283610
job_self-employed 0.17632 0.17617 0.002792 0.002800
job_services 0.25452 0.24528 0.072288 0.077921
job_student 0.23615 0.21995 0.133410 0.153948
job_technician 0.36415 0.28327 0.395521 0.654318
job_unemployed 0.17343 0.17333 0.002198 0.002203
marital_divorced 0.30345 0.29761 0.039150 0.040745
marital_married 0.49796 0.43061 0.253017 0.338718
marital_single 0.47675 0.38888 0.335357 0.504566
education_basic.4y 0.28940 0.26068 0.189494 0.233796
education_basic.6y 0.19719 0.19398 0.033352 0.034502
education_basic.9y 0.30260 0.26642 0.225676 0.291450
education_high.school 0.41577 0.39013 0.120482 0.136987
education_illiterate 0.02935 0.02933 0.002527 0.002534
education_professional.course 0.33438 0.24206 0.476520 0.910294
education_university.degree 0.48003 0.38737 0.349490 0.537255
housing_no 0.49602 0.43161 0.243666 0.322167
housing_unknown 0.15011 0.14878 0.018731 0.019088
housing_yes 0.49843 0.43725 0.231260 0.300830
loan_no 0.37590 0.33873 0.188879 0.232862
loan_unknown 0.15011 0.14878 0.018731 0.019088
loan_yes 0.35434 0.31885 0.191163 0.236344
contact_cellular 0.37533 0.30714 0.331102 0.494996
contact_telephone 0.37533 0.30714 0.331102 0.494996
month_apr 0.32046 0.31839 0.013929 0.014126
month_aug 0.34823 0.34429 0.023532 0.024099
month_dec 0.13718 0.13721 0.000565 0.000565
month_jul 0.34689 0.34564 0.008257 0.008326
month_jun 0.32555 0.32101 0.028725 0.029575
month_mar 0.23655 0.23579 0.007468 0.007524
month_may 0.39309 0.38177 0.057774 0.061317
month_nov 0.28572 0.28533 0.003782 0.003796
month_oct 0.25158 0.25110 0.004898 0.004922
month_sep 0.22834 0.22739 0.009352 0.009441
OVER-ALL 0.31529 0.28414 0.188717 0.232615

Pseudo F Statistic

Pseudo F Statistic = 215.59

Approximate Expected Over-All R-Squared

Approximate Expected Over-All R-Squared = 0.14542

Cubic Clustering Criterion

Cubic Clustering Criterion = 56.167

WARNING: The two values above are invalid for correlated variables.

Cluster Means

Cluster Means
Cluster age duration cons.price.idx cons.conf.idx job_admin. job_blue-collar job_entrepreneur job_housemaid job_management job_retired job_self-employed job_services job_student job_technician job_unemployed marital_divorced marital_married marital_single education_basic.4y education_basic.6y education_basic.9y education_high.school education_illiterate education_professional.course education_university.degree housing_no housing_unknown housing_yes loan_no loan_unknown loan_yes contact_cellular contact_telephone month_apr month_aug month_dec month_jul month_jun month_mar month_may month_nov month_oct month_sep
1 0.2983950617 0.1527972129 0.4168386594 0.3514895397 0.0620000000 0.6780000000 0.0120000000 0.0100000000 0.0360000000 0.0480000000 0.0320000000 0.0520000000 0.0100000000 0.0280000000 0.0320000000 0.1320000000 0.6580000000 0.2040000000 0.1320000000 0.1180000000 0.5020000000 0.1240000000 0.0000000000 0.0320000000 0.0460000000 0.6880000000 0.0220000000 0.2900000000 0.6120000000 0.0220000000 0.3660000000 0.9580000000 0.0420000000 0.1100000000 0.1020000000 0.0140000000 0.2020000000 0.0640000000 0.0300000000 0.3680000000 0.0780000000 0.0240000000 0.0080000000
2 0.3107961552 0.1572831608 0.5762882759 0.4622247733 0.2478941035 0.1696750903 0.0445246691 0.0361010830 0.0685920578 0.0661853189 0.0192539110 0.2045728039 0.0132370638 0.0782190132 0.0397111913 0.0685920578 0.8423586041 0.0878459687 0.0866425993 0.0685920578 0.1010830325 0.4921780987 0.0012033694 0.0649819495 0.1347773767 0.6787003610 0.0108303249 0.3104693141 0.9590854392 0.0108303249 0.0300842359 0.4247894103 0.5752105897 0.0421179302 0.0673886883 0.0180505415 0.1793020457 0.1949458484 0.0312876053 0.3068592058 0.0649819495 0.0613718412 0.0336943442
3 0.4828532236 0.1021318362 0.3997104694 0.5108447980 0.1028806584 0.0932784636 0.0480109739 0.0631001372 0.1344307270 0.4074074074 0.0411522634 0.0274348422 0.0082304527 0.0164609053 0.0425240055 0.2331961591 0.7407407407 0.0233196159 0.3662551440 0.0521262003 0.0658436214 0.1412894376 0.0041152263 0.0493827160 0.2359396433 0.1193415638 0.0082304527 0.8724279835 0.9341563786 0.0082304527 0.0576131687 0.9766803841 0.0233196159 0.1632373114 0.1838134431 0.0233196159 0.1316872428 0.0713305898 0.0562414266 0.0919067215 0.1193415638 0.0864197531 0.0727023320
4 0.2921810700 0.1198515112 0.4261377471 0.4650266161 0.0418848168 0.0244328098 0.0157068063 0.0139616056 0.0209424084 0.0436300175 0.0244328098 0.0209424084 0.0069808028 0.7609075044 0.0244328098 0.0558464223 0.7329842932 0.2111692845 0.0069808028 0.0139616056 0.0191972077 0.0628272251 0.0000000000 0.7417102967 0.1151832461 0.2862129145 0.0750436300 0.6387434555 0.7486910995 0.0750436300 0.1762652705 0.9528795812 0.0471204188 0.1169284468 0.2129144852 0.0226876091 0.1221640489 0.0837696335 0.0698080279 0.1308900524 0.0890052356 0.0820244328 0.0698080279
5 0.1950101227 0.1296193859 0.4988289855 0.4362631005 0.2524115756 0.1012861736 0.0176848875 0.0096463023 0.0530546624 0.0064308682 0.0241157556 0.1028938907 0.2717041801 0.1157556270 0.0321543408 0.0627009646 0.1559485531 0.7797427653 0.0225080386 0.0321543408 0.0980707395 0.3231511254 0.0000000000 0.0530546624 0.3633440514 0.0803858521 0.0289389068 0.8906752412 0.5289389068 0.0289389068 0.4421221865 0.6607717042 0.3392282958 0.1302250804 0.0819935691 0.0144694534 0.1109324759 0.2073954984 0.0627009646 0.2025723473 0.0771704180 0.0627009646 0.0498392283
6 0.2322413870 0.1044200841 0.3988964268 0.4819298219 0.6202166065 0.0093862816 0.0187725632 0.0079422383 0.0794223827 0.0209386282 0.0418772563 0.0223826715 0.0577617329 0.0945848375 0.0216606498 0.0808664260 0.3220216606 0.5935018051 0.0036101083 0.0043321300 0.0129963899 0.1588447653 0.0000000000 0.0223826715 0.7732851986 0.5898916968 0.0144404332 0.3956678700 0.9444043321 0.0144404332 0.0411552347 0.9761732852 0.0238267148 0.1314079422 0.1740072202 0.0202166065 0.1184115523 0.0981949458 0.0830324910 0.1292418773 0.0989169675 0.0743682310 0.0722021661

Cluster Standard Deviations

Cluster Standard Deviations
Cluster age duration cons.price.idx cons.conf.idx job_admin. job_blue-collar job_entrepreneur job_housemaid job_management job_retired job_self-employed job_services job_student job_technician job_unemployed marital_divorced marital_married marital_single education_basic.4y education_basic.6y education_basic.9y education_high.school education_illiterate education_professional.course education_university.degree housing_no housing_unknown housing_yes loan_no loan_unknown loan_yes contact_cellular contact_telephone month_apr month_aug month_dec month_jul month_jun month_mar month_may month_nov month_oct month_sep
1 0.1499296528 0.0957071452 0.2128943449 0.2143283071 0.2413970693 0.4677109225 0.1089943096 0.0995983920 0.1864766664 0.2139803149 0.1761762644 0.2222493860 0.0995983920 0.1651379456 0.1761762644 0.3388297673 0.4748546872 0.4033725559 0.3388297673 0.3229312143 0.5004967472 0.3299116296 0.0000000000 0.1761762644 0.2096948828 0.4637738375 0.1468302361 0.4542164960 0.4877825988 0.1468302361 0.4821918892 0.2007900228 0.2007900228 0.3132031168 0.3029514138 0.1176080921 0.4018943121 0.2449980573 0.1707580646 0.4827443259 0.2684401614 0.1532022907 0.0891734479
2 0.1451780332 0.1102681428 0.2535043455 0.2035180602 0.4320500510 0.3755731560 0.2063818757 0.1866540112 0.2529113677 0.2487554745 0.1374989044 0.4036320395 0.1143572520 0.2686776277 0.1953974346 0.2529113677 0.3646238814 0.2832412320 0.2814800232 0.2529113677 0.3016201738 0.5002398914 0.0346896157 0.2466424531 0.3416912822 0.4672567938 0.1035660960 0.4629644096 0.1982115972 0.1035660960 0.1709220005 0.4946086906 0.4946086906 0.2009791467 0.2508449179 0.1332143932 0.3838360518 0.3963975924 0.1741987587 0.4614681946 0.2466424531 0.2401556626 0.1805498909
3 0.1960841062 0.0808466701 0.2681990717 0.2848640896 0.3040115279 0.2910219405 0.2139362129 0.2433099188 0.3413487082 0.4916891719 0.1987786613 0.1634589337 0.0904097608 0.1273270705 0.2019198916 0.4231563972 0.4385290097 0.1510201870 0.4821111377 0.2224341006 0.2481788231 0.3485590194 0.0640618511 0.2168145452 0.4248761638 0.3244125798 0.0904097608 0.3338416962 0.2481788231 0.0904097608 0.2331704763 0.1510201870 0.1510201870 0.3698357965 0.3875979115 0.1510201870 0.3383825958 0.2575529641 0.2305455233 0.2890925782 0.3244125798 0.2811757974 0.2598255343
4 0.1362562695 0.0946263793 0.2708085986 0.2749979907 0.2005009652 0.1545235213 0.1244473008 0.1174340103 0.1433166765 0.2044489847 0.1545235213 0.1433166765 0.0833318078 0.4269020132 0.1545235213 0.2298255438 0.4427871769 0.4084948420 0.0833318078 0.1174340103 0.1373375118 0.2428639576 0.0000000000 0.4380765410 0.3195218941 0.4523850587 0.2636919290 0.4807844248 0.4341447632 0.2636919290 0.3813786357 0.2120815448 0.2120815448 0.3216157691 0.4097253745 0.1490357180 0.3277613103 0.2772840859 0.2550458579 0.3375747679 0.2850001012 0.2746416981 0.2550458579
5 0.1200592814 0.1057330907 0.2626277242 0.2318422936 0.4347457151 0.3019501059 0.1319094639 0.0978193987 0.2243229073 0.0799987573 0.1535320266 0.3040647629 0.4451962125 0.3201891421 0.1765518412 0.2426194358 0.3630985599 0.4147535963 0.1484481587 0.1765518412 0.2976496359 0.4680562882 0.0000000000 0.2243229073 0.4813498270 0.2721084473 0.1677697778 0.3122973840 0.4995635771 0.1677697778 0.4970385709 0.4738284639 0.4738284639 0.3368217668 0.2745757318 0.1195117208 0.3143012575 0.4057675590 0.2426194358 0.4022398725 0.2670764362 0.2426194358 0.2177878236
6 0.1246242060 0.0822846224 0.2527311926 0.2745486239 0.4855081473 0.0964618974 0.1357698914 0.0887966900 0.2704945400 0.1432306332 0.2003809939 0.1479780320 0.2333766049 0.2927463469 0.1456254711 0.2727283477 0.4674200029 0.4913570305 0.0599972871 0.0656999178 0.1132993917 0.3656632975 0.0000000000 0.1479780320 0.4188578197 0.4920307716 0.1193406480 0.4891702950 0.2292220028 0.1193406480 0.1987208946 0.1525641114 0.1525641114 0.3379679955 0.3792526305 0.1407913612 0.3232115145 0.2976855415 0.2760309937 0.3355886296 0.2986583384 0.2624639697 0.2589158468