file=read("kredit")
file=paf(file,(file[,5]>=1)&&(file[,5]<=3))
; purpose=car/furniture
y=file[,1]
x=(file[,4]>2) ; previous loans o.k.
x=x~(file[,8]>2) ; employed (>=1 year)
x=x~(file[,3]) ; duration of loan
t=(file[,6]) ; amount of loan
t=t~(file[,14]) ; age of client
xvars="previous"|"employed"|"duration"
tvars="amount"|"age"
;
library("gplm")
;
t=log(t) ; logs of amount and age
trange=max(t)-min(t)
t=(t-min(t))./trange ; transformation to [0,1]
;
h=0.4
g=gplmest("bilo",x,t,y,h)
gplmout("bilo",x,t,y,h,g.b,g.bv,g.m,g.stat)
g.b