【贷款违约预测】task1and2 理解和数据探索

最新推荐文章于 2022-11-28 22:06:21 发布

我叫陈叉叉叉叉

最新推荐文章于 2022-11-28 22:06:21 发布

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分类专栏：贷款违约预测

本文链接：https://blog.csdn.net/wwqnmdhmp/article/details/108592333

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import numpy as np              # 导入numpy库
import pandas as pd             # 导入pandas库
import matplotlib as mpl        # 导入matplotlib库
import matplotlib.pyplot as plt 
import seaborn as sns           # 导入seaborn库
%matplotlib inline
plt.rcParams['font.sans-serif'] = ['KaiTi'] # 指定默认字体
plt.rcParams['axes.unicode_minus'] = False # 解决保存图像是负号'-'显示为方块的问题
import warnings
warnings.filterwarnings("ignore")

数据导入

data = pd.read_csv('train.csv',index_col = 'id')

pd.read_csv?

data.head()

	loanAmnt	term	interestRate	installment	grade	subGrade	employmentTitle	employmentLength	homeOwnership	annualIncome	...	n5	n6	n7	n8	n9	n10	n11	n12	n13	n14
id
0	35000.0	5	19.52	917.97	E	E2	320.0	2 years	2	110000.0	...	9.0	8.0	4.0	12.0	2.0	7.0	0.0	0.0	0.0	2.0
1	18000.0	5	18.49	461.90	D	D2	219843.0	5 years	0	46000.0	...	NaN	NaN	NaN	NaN	NaN	13.0	NaN	NaN	NaN	NaN
2	12000.0	5	16.99	298.17	D	D3	31698.0	8 years	0	74000.0	...	0.0	21.0	4.0	5.0	3.0	11.0	0.0	0.0	0.0	4.0
3	11000.0	3	7.26	340.96	A	A4	46854.0	10+ years	1	118000.0	...	16.0	4.0	7.0	21.0	6.0	9.0	0.0	0.0	0.0	1.0
4	3000.0	3	12.99	101.07	C	C2	54.0	NaN	1	29000.0	...	4.0	9.0	10.0	15.0	7.0	12.0	0.0	0.0	0.0	4.0

5 rows × 46 columns

data.describe()

	loanAmnt	term	interestRate	installment	employmentTitle	homeOwnership	annualIncome	verificationStatus	isDefault	purpose	...	n5	n6	n7	n8	n9	n10	n11	n12	n13	n14
count	800000.000000	800000.000000	800000.000000	800000.000000	799999.000000	800000.000000	8.000000e+05	800000.000000	800000.000000	800000.000000	...	759730.000000	759730.000000	759730.000000	759729.000000	759730.000000	766761.000000	730248.000000	759730.000000	759730.000000	759730.000000
mean	14416.818875	3.482745	13.238391	437.947723	72005.351714	0.614213	7.613391e+04	1.009683	0.199513	1.745982	...	8.107937	8.575994	8.282953	14.622488	5.592345	11.643896	0.000815	0.003384	0.089366	2.178606
std	8716.086178	0.855832	4.765757	261.460393	106585.640204	0.675749	6.894751e+04	0.782716	0.399634	2.367453	...	4.799210	7.400536	4.561689	8.124610	3.216184	5.484104	0.030075	0.062041	0.509069	1.844377
min	500.000000	3.000000	5.310000	15.690000	0.000000	0.000000	0.000000e+00	0.000000	0.000000	0.000000	...	0.000000	0.000000	0.000000	1.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000
25%	8000.000000	3.000000	9.750000	248.450000	427.000000	0.000000	4.560000e+04	0.000000	0.000000	0.000000	...	5.000000	4.000000	5.000000	9.000000	3.000000	8.000000	0.000000	0.000000	0.000000	1.000000
50%	12000.000000	3.000000	12.740000	375.135000	7755.000000	1.000000	6.500000e+04	1.000000	0.000000	0.000000	...	7.000000	7.000000	7.000000	13.000000	5.000000	11.000000	0.000000	0.000000	0.000000	2.000000
75%	20000.000000	3.000000	15.990000	580.710000	117663.500000	1.000000	9.000000e+04	2.000000	0.000000	4.000000	...	11.000000	11.000000	10.000000	19.000000	7.000000	14.000000	0.000000	0.000000	0.000000	3.000000
max	40000.000000	5.000000	30.990000	1715.420000	378351.000000	5.000000	1.099920e+07	2.000000	1.000000	13.000000	...	70.000000	132.000000	79.000000	128.000000	45.000000	82.000000	4.000000	4.000000	39.000000	30.000000

8 rows × 41 columns

data.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 800000 entries, 0 to 799999
Data columns (total 47 columns):
id                    800000 non-null int64
loanAmnt              800000 non-null float64
term                  800000 non-null int64
interestRate          800000 non-null float64
installment           800000 non-null float64
grade                 800000 non-null object
subGrade              800000 non-null object
employmentTitle       799999 non-null float64
employmentLength      753201 non-null object
homeOwnership         800000 non-null int64
annualIncome          800000 non-null float64
verificationStatus    800000 non-null int64
issueDate             800000 non-null object
isDefault             800000 non-null int64
purpose               800000 non-null int64
postCode              799999 non-null float64
regionCode            800000 non-null int64
dti                   799761 non-null float64
delinquency_2years    800000 non-null float64
ficoRangeLow          800000 non-null float64
ficoRangeHigh         800000 non-null float64
openAcc               800000 non-null float64
pubRec                800000 non-null float64
pubRecBankruptcies    799595 non-null float64
revolBal              800000 non-null float64
revolUtil             799469 non-null float64
totalAcc              800000 non-null float64
initialListStatus     800000 non-null int64
applicationType       800000 non-null int64
earliesCreditLine     800000 non-null object
title                 799999 non-null float64
policyCode            800000 non-null float64
n0                    759730 non-null float64
n1                    759730 non-null float64
n2                    759730 non-null float64
n2.1                  759730 non-null float64
n4                    766761 non-null float64
n5                    759730 non-null float64
n6                    759730 non-null float64
n7                    759730 non-null float64
n8                    759729 non-null float64
n9                    759730 non-null float64
n10                   766761 non-null float64
n11                   730248 non-null float64
n12                   759730 non-null float64
n13                   759730 non-null float64
n14                   759730 non-null float64
dtypes: float64(33), int64(9), object(5)
memory usage: 286.9+ MB

data.columns

Index(['loanAmnt', 'term', 'interestRate', 'installment', 'grade', 'subGrade',
       'employmentTitle', 'employmentLength', 'homeOwnership', 'annualIncome',
       'verificationStatus', 'issueDate', 'isDefault', 'purpose', 'postCode',
       'regionCode', 'dti', 'delinquency_2years', 'ficoRangeLow',
       'ficoRangeHigh', 'openAcc', 'pubRec', 'pubRecBankruptcies', 'revolBal',
       'revolUtil', 'totalAcc', 'initialListStatus', 'applicationType',
       'earliesCreditLine', 'title', 'policyCode', 'n0', 'n1', 'n2', 'n2.1',
       'n4', 'n5', 'n6', 'n7', 'n8', 'n9', 'n10', 'n11', 'n12', 'n13', 'n14'],
      dtype='object')



Field	Description
id	为贷款清单分配的唯一信用证标识
loanAmnt	贷款金额
term	贷款期限（year）
interestRate	贷款利率
installment	分期付款金额
grade	贷款等级
subGrade	贷款等级之子级
employmentTitle	就业职称
employmentLength	就业年限（年）

isDefault 标签

样本分布不均匀  
总体违约率为0.1995

data[ 'isDefault'].value_counts()  #

0    640390
1    159610
Name: isDefault, dtype: int64

data['isDefault'].sum()/data.shape[0]

0.1995125

‘interestRate’,‘loanAmnt’,‘installment’ 数值型

违约普遍高于不违约

sns.boxplot(x='isDefault',y='loanAmnt',data=data)

<matplotlib.axes._subplots.AxesSubplot at 0x2ee44efed68>

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plt.subplot?

plt.figure(figsize=(16,5))
count = 1
for i in [ 'interestRate','loanAmnt','installment']:
    plt.subplot(1,3,count)
    sns.kdeplot(data[i])
    count += 1

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data[['isDefault','interestRate','loanAmnt','installment']].groupby('isDefault').agg(['mean','median'])

	interestRate		loanAmnt		installment
	mean	median	mean	median	mean	median
isDefault
0	12.621685	12.18	14133.065749	12000.0	431.222184	368.08
1	15.712749	15.05	15555.298070	14325.0	464.932048	402.83

term 数值型分类

 期限为5年的违约比例更高？

pd.crosstab(data['isDefault'],data['term'],)  # 期限为5年的违约比例更高？

term	3	5
isDefault
0	509776	130614
1	97126	62484

‘grade’，‘subGrade’ str_class

 等级从A至D违约率越高 sub1至5越高 
 可以使用sub替代grade

data[['grade','isDefault']].groupby('grade').apply(lambda x:x.sum()/x.count())

	isDefault
grade
A	0.060375
B	0.132992
C	0.225020
D	0.303852
E	0.384291
F	0.453524
G	0.497017

data[['subGrade','isDefault']].groupby('subGrade').apply(lambda x:x.sum()/x.count())

	isDefault
subGrade
A1	0.031919
A2	0.045697
A3	0.055882
A4	0.067221
A5	0.085399
B1	0.102921
B2	0.112262
B3	0.129239
B4	0.148639
B5	0.165649
C1	0.191360
C2	0.206892
C3	0.224576
C4	0.250113
C5	0.261549
D1	0.277982
D2	0.297572
D3	0.304015
D4	0.322863
D5	0.334735
E1	0.355233
E2	0.376903
E3	0.387460
E4	0.402243
E5	0.419161
F1	0.426498
F2	0.455991
F3	0.456807
F4	0.477440
F5	0.482993
G1	0.466174
G2	0.480910
G3	0.519427
G4	0.521971
G5	0.548837

‘employmentTitle’ int_class

分类较多 （248683,）

len(data['employmentTitle'].value_counts())

employmentLength str_class

年限越久违约率越低
缺失样本违约率较高 （单独分类 ）

data['employmentLength'].value_counts()

data['employmentLength'].fillna('-1 years')

data[['employmentLength','isDefault']].groupby('employmentLength').apply(lambda x:x.sum()/x.count())  
# null 的违约率较高，考虑单独分类 

map_employmentLength = {f'{i} years':i+1 for i in range(2,10)}

map_employmentLength.update({-1:0,'< 1 year':1,'1 year':2,'10+ years':11})

10+ years    262753
2 years       72358
< 1 year      64237
3 years       64152
1 year        52489
5 years       50102
4 years       47985
-1            46799
6 years       37254
8 years       36192
7 years       35407
9 years       30272
Name: employmentLength, dtype: int64

homeOwnership 借款人在登记时提供的房屋所有权状况
annualIncome 年收入
verificationStatus 验证状态
issueDate 贷款发放的月份
purpose 借款人在贷款申请时的贷款用途类别
postCode 借款人在贷款申请中提供的邮政编码的前3位数字
regionCode 地区编码
dti 债务收入比
delinquency_2years 借款人过去2年信用档案中逾期30天以上的违约事件数

homeOwnership int_class

1,5 较高  0,4较低 
3,4,5,样本较少

data['homeOwnership'].value_counts()

0    395732
1    317660
2     86309
3       185
5        81
4        33
Name: homeOwnership, dtype: int64

data[['homeOwnership','isDefault']].groupby('homeOwnership').apply(lambda x:x.sum()/x.count())

	homeOwnership	isDefault
homeOwnership
0	0.0	0.171535
1	1.0	0.232107
2	2.0	0.207800
3	3.0	0.205405
4	4.0	0.151515
5	5.0	0.234568

annualIncome 数值型

非正态分布
较低的越容易违约

sns.kdeplot(data['annualIncome'])

<matplotlib.axes._subplots.AxesSubplot at 0x2ee46e054a8>

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data[['annualIncome','isDefault']].groupby('isDefault').agg(['mean','median'])

	annualIncome
	mean	median
isDefault
0	77606.514023	65000.0
1	70225.505164	60000.0

‘verificationStatus’ int_class

分类 label

data['verificationStatus'].value_counts()

1    309810
2    248968
0    241222
Name: verificationStatus, dtype: int64

data[['verificationStatus','isDefault']].groupby('verificationStatus').apply(lambda x:x.sum()/x.count())

	verificationStatus	isDefault
verificationStatus
0	0.0	0.147221
1	1.0	0.209412
2	2.0	0.237858

issueDate 贷款发放月份

年份影响较大 
月份影响较小

data_date  =  data[['issueDate','isDefault']]

data_date['year'] = pd.to_datetime(data.issueDate).dt.year
data_date['month'] = pd.to_datetime(data.issueDate).dt.month

data_date.groupby('year')['isDefault'].mean()

year
2007    0.178344
2008    0.162073
2009    0.124775
2010    0.131468
2011    0.145621
2012    0.159931
2013    0.155974
2014    0.184278
2015    0.202053
2016    0.233084
2017    0.231040
2018    0.157534
Name: isDefault, dtype: float64

data_date.groupby('month')['isDefault'].mean()

month
1     0.190948
2     0.191409
3     0.202784
4     0.209204
5     0.205296
6     0.206889
7     0.205550
8     0.199575
9     0.202622
10    0.191226
11    0.192314
12    0.198323
Name: isDefault, dtype: float64

purpose 目的 int_class

data.groupby('purpose')['isDefault'].mean()

purpose
0     0.211370
1     0.295190
2     0.175718
3     0.189431
4     0.169278
5     0.209655
6     0.225769
7     0.196166
8     0.146125
9     0.218337
10    0.229653
11    0.238267
12    0.111519
13    0.189474
Name: isDefault, dtype: float64

‘postCode’,‘regionCode’ 多分类

分类较多

from sklearn.preprocessing import LabelEncoder
for col in data(['employmentTitle', 'postCode', 'title','subGrade']):
    le = LabelEncoder()
    le.fit(list(data_train[col].astype(str).values) +
list(data_test_a[col].astype(str).values))
    data_train[col] = le.transform(list(data_train[col].astype(str).values))
    data_test_a[col] = le.transform(list(data_test_a[col].astype(str).values))

---------------------------------------------------------------------------

TypeError                                 Traceback (most recent call last)

<ipython-input-207-c6562597df2a> in <module>
      1 from sklearn.preprocessing import LabelEncoder
----> 2 for col in data(['employmentTitle', 'postCode', 'title','subGrade']):
      3     le = LabelEncoder()
      4     le.fit(list(data_train[col].astype(str).values) +
      5 list(data_test_a[col].astype(str).values))


TypeError: 'DataFrame' object is not callable

le = LabelEncoder()
data['employmentTitle']
le.fit(data['employmentTitle'].values.fillna(-1))
le.transform(data['employmentTitle'].values.fillna(-1))

---------------------------------------------------------------------------

AttributeError                            Traceback (most recent call last)

<ipython-input-212-a0ac796b2725> in <module>
      1 le = LabelEncoder()
      2 data['employmentTitle']
----> 3 le.fit(data['employmentTitle'].values.fillna(-1))
      4 le.transform(data['employmentTitle'].values.fillna(-1))


AttributeError: 'numpy.ndarray' object has no attribute 'fillna'

le.fit(data['employmentTitle'].fillna(0).values)

LabelEncoder()

w = le.fit_transform(data['employmentTitle'].fillna(0).values)

np.array(w).max()

from sklearn import preprocessing
le = preprocessing.LabelEncoder()
le.fit([1, 2, 2, 6])

LabelEncoder()

LabelEncoder()
le.classes_

array([1, 2, 6])

data[['postCode','regionCode']].head()

	postCode	regionCode
id
0	137.0	32
1	156.0	18
2	337.0	14
3	148.0	11
4	301.0	21

dti 债务收入比数值型

data['dti'].describe()

count    799761.000000
mean         18.284557
std          11.150155
min          -1.000000
25%          11.790000
50%          17.610000
75%          24.060000
max         999.000000
Name: dti, dtype: float64

sns.kdeplot(data['dti'])

<matplotlib.axes._subplots.AxesSubplot at 0x2ee02cd4b70>

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sns.boxplot(data['dti'][])

<matplotlib.axes._subplots.AxesSubplot at 0x2ee02d0e278>

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-oH4ZWlTW-1600130353345)(output_55_1.png)]

data[['isDefault','dti','employmentLength']].groupby('employmentLength').agg(['mean','max','median'])

	isDefault			dti
	mean	max	median	mean	max	median
employmentLength
-1	0.268788	1	0	20.825034	999.00	19.310
1 year	0.205186	1	0	17.743159	999.00	17.110
10+ years	0.187039	1	0	18.426270	592.12	17.910
2 years	0.200033	1	0	17.760318	580.20	17.140
3 years	0.201490	1	0	17.830329	999.00	17.170
4 years	0.198291	1	0	17.964413	999.00	17.420
5 years	0.195741	1	0	17.913925	466.92	17.350
6 years	0.192812	1	0	18.034503	308.25	17.550
7 years	0.195046	1	0	18.132814	345.42	17.500
8 years	0.197226	1	0	18.256569	77.23	17.710
9 years	0.198401	1	0	18.432058	489.16	17.945
< 1 year	0.204882	1	0	18.052667	999.00	17.000

delinquency_2years 数值型

data['delinquency_2years'].value_counts()

0.0     645715
1.0     102586
2.0      29944
3.0      10919
4.0       4808
5.0       2504
6.0       1399
7.0        770
8.0        443
9.0        293
10.0       192
11.0       144
12.0        86
14.0        53
13.0        50
15.0        23
16.0        20
18.0        13
19.0        10
20.0         7
17.0         6
21.0         3
22.0         3
26.0         2
29.0         2
30.0         1
25.0         1
39.0         1
27.0         1
24.0         1
Name: delinquency_2years, dtype: int64

data[['isDefault','delinquency_2years']].groupby('delinquency_2years').mean()

	isDefault
delinquency_2years
0.0	0.195829
1.0	0.208401
2.0	0.223484
3.0	0.229600
4.0	0.235441
5.0	0.243211
6.0	0.235883
7.0	0.254545
8.0	0.207675
9.0	0.252560
10.0	0.213542
11.0	0.215278
12.0	0.267442
13.0	0.300000
14.0	0.245283
15.0	0.304348
16.0	0.300000
17.0	0.500000
18.0	0.076923
19.0	0.300000
20.0	0.428571
21.0	0.333333
22.0	0.000000
24.0	0.000000
25.0	1.000000
26.0	0.000000
27.0	1.000000
29.0	0.000000
30.0	0.000000
39.0	0.000000

    ficoRangeLow	借款人在贷款发放时的fico所属的下限范围
    ficoRangeHigh	借款人在贷款发放时的fico所属的上限范围
    openAcc	借款人信用档案中未结信用额度的数量
    pubRec	贬损公共记录的数量
    pubRecBankruptcies	公开记录清除的数量
    revolBal	信贷周转余额合计
    revolUtil	循环额度利用率，或借款人使用的相对于所有可用循环信贷的信贷金额
    totalAcc	借款人信用档案中当前的信用额度总数
    initialListStatus	贷款的初始列表状态
    applicationType	表明贷款是个人申请还是与两个共同借款人的联合申请
    earliesCreditLine	借款人最早报告的信用额度开立的月份
    title	借款人提供的贷款名称
    policyCode	公开可用的策略_代码=1新产品不公开可用的策略_代码=2
    n系列匿名特征	匿名特征n0-n14，为一些贷款人行为计数特征的处理

‘ficoRangeLow’,‘ficoRangeHigh’,‘openAcc’,‘pubRec’,‘pubRecBankruptcies’,‘revolBal’,‘revolUtil’,‘totalAcc’

data[['ficoRangeLow','ficoRangeHigh','openAcc','pubRec','pubRecBankruptcies','revolBal','revolUtil','totalAcc']].head()

	ficoRangeLow	ficoRangeHigh	openAcc	pubRec	pubRecBankruptcies	revolBal	revolUtil	totalAcc
id
0	730.0	734.0	7.0	0.0	0.0	24178.0	48.9	27.0
1	700.0	704.0	13.0	0.0	0.0	15096.0	38.9	18.0
2	675.0	679.0	11.0	0.0	0.0	4606.0	51.8	27.0
3	685.0	689.0	9.0	0.0	0.0	9948.0	52.6	28.0
4	690.0	694.0	12.0	0.0	0.0	2942.0	32.0	27.0

data[['initialListStatus','applicationType']].head()

	initialListStatus	applicationType
id
0	0	0
1	1	0
2	0	0
3	1	0
4	0	0

earliesCreditLine 时间变量

len(pd.to_datetime(data['earliesCreditLine'],format='%b-%Y'))

title 多分类变量

len(data['title'].value_counts())

policyCode useless

useless

data['policyCode'].value_counts()

1.0    800000
Name: policyCode, dtype: int64

匿名行为计数

data[data.columns[-15:]].isna().sum()/data.shape[0]

n0      0.050338
n1      0.050338
n2      0.050338
n2.1    0.050338
n4      0.041549
n5      0.050338
n6      0.050338
n7      0.050338
n8      0.050339
n9      0.050338
n10     0.041549
n11     0.087190
n12     0.050338
n13     0.050338
n14     0.050338
dtype: float64

[len(data[i].unique()) for i in data.columns[-15:]]

[40, 34, 51, 51, 47, 66, 108, 71, 103, 45, 77, 6, 6, 29, 32]

data[data.columns[-15:]].describe()

	n0	n1	n2	n2.1	n4	n5	n6	n7	n8	n9	n10	n11	n12	n13	n14
count	759730.000000	759730.000000	759730.000000	759730.000000	766761.000000	759730.000000	759730.000000	759730.000000	759729.000000	759730.000000	766761.000000	730248.000000	759730.000000	759730.000000	759730.000000
mean	0.511932	3.642330	5.642648	5.642648	4.735641	8.107937	8.575994	8.282953	14.622488	5.592345	11.643896	0.000815	0.003384	0.089366	2.178606
std	1.333266	2.246825	3.302810	3.302810	2.949969	4.799210	7.400536	4.561689	8.124610	3.216184	5.484104	0.030075	0.062041	0.509069	1.844377
min	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	1.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000
25%	0.000000	2.000000	3.000000	3.000000	3.000000	5.000000	4.000000	5.000000	9.000000	3.000000	8.000000	0.000000	0.000000	0.000000	1.000000
50%	0.000000	3.000000	5.000000	5.000000	4.000000	7.000000	7.000000	7.000000	13.000000	5.000000	11.000000	0.000000	0.000000	0.000000	2.000000
75%	0.000000	5.000000	7.000000	7.000000	6.000000	11.000000	11.000000	10.000000	19.000000	7.000000	14.000000	0.000000	0.000000	0.000000	3.000000
max	51.000000	33.000000	63.000000	63.000000	49.000000	70.000000	132.000000	79.000000	128.000000	45.000000	82.000000	4.000000	4.000000	39.000000	30.000000

sns.heatmap(data[['isDefault']].join(data[data.columns[-15:]]).corr().abs(),vmin=0,vmax=1)

<matplotlib.axes._subplots.AxesSubplot at 0x2ee755187b8>

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-vKv8es1S-1600130353347)(output_74_1.png)]

data[['isDefault']].join(data[data.columns[-15:]]).corr()

	isDefault	n0	n1	n2	n2.1	n4	n5	n6	n7	n8	n9	n10	n11	n12	n13	n14
isDefault	1.000000	0.010953	0.040659	0.070352	0.070352	0.013156	-0.018661	0.005350	0.032007	-0.005951	0.068978	0.025583	-0.000293	0.003287	0.010101	0.085715
n0	0.010953	1.000000	-0.056378	-0.029272	-0.029272	-0.069880	0.067624	0.126076	-0.019447	0.082053	-0.023248	0.023395	0.035126	-0.003520	0.313191	0.080475
n1	0.040659	-0.056378	1.000000	0.807789	0.807789	0.829016	0.577299	-0.032224	0.651852	0.443406	0.800925	0.540271	-0.004406	-0.004329	-0.033712	0.160022
n2	0.070352	-0.029272	0.807789	1.000000	1.000000	0.663186	0.473744	-0.001495	0.790337	0.567608	0.982015	0.655296	-0.002554	0.002908	-0.018058	0.256501
n2.1	0.070352	-0.029272	0.807789	1.000000	1.000000	0.663186	0.473744	-0.001495	0.790337	0.567608	0.982015	0.655296	-0.002554	0.002908	-0.018058	0.256501
n4	0.013156	-0.069880	0.829016	0.663186	0.663186	1.000000	0.717936	-0.019485	0.742157	0.573103	0.639867	0.614658	-0.000965	-0.003339	-0.020490	0.236147
n5	-0.018661	0.067624	0.577299	0.473744	0.473744	0.717936	1.000000	0.032646	0.618970	0.838066	0.472434	0.506232	0.007712	0.010103	0.016239	0.217438
n6	0.005350	0.126076	-0.032224	-0.001495	-0.001495	-0.019485	0.032646	1.000000	0.025892	0.072633	0.001943	0.389924	0.000764	0.006952	0.070177	0.189194
n7	0.032007	-0.019447	0.651852	0.790337	0.790337	0.742157	0.618970	0.025892	1.000000	0.774955	0.794465	0.829799	0.003134	0.011109	-0.024751	0.345906
n8	-0.005951	0.082053	0.443406	0.567608	0.567608	0.573103	0.838066	0.072633	0.774955	1.000000	0.563910	0.640729	0.010462	0.018247	0.029846	0.294802
n9	0.068978	-0.023248	0.800925	0.982015	0.982015	0.639867	0.472434	0.001943	0.794465	0.563910	1.000000	0.660395	-0.002568	0.002943	-0.025324	0.243350
n10	0.025583	0.023395	0.540271	0.655296	0.655296	0.614658	0.506232	0.389924	0.829799	0.640729	0.660395	1.000000	0.001392	0.006919	0.010042	0.364384
n11	-0.000293	0.035126	-0.004406	-0.002554	-0.002554	-0.000965	0.007712	0.000764	0.003134	0.010462	-0.002568	0.001392	1.000000	0.003629	0.072216	-0.005094
n12	0.003287	-0.003520	-0.004329	0.002908	0.002908	-0.003339	0.010103	0.006952	0.011109	0.018247	0.002943	0.006919	0.003629	1.000000	0.004886	-0.006824
n13	0.010101	0.313191	-0.033712	-0.018058	-0.018058	-0.020490	0.016239	0.070177	-0.024751	0.029846	-0.025324	0.010042	0.072216	0.004886	1.000000	-0.000595
n14	0.085715	0.080475	0.160022	0.256501	0.256501	0.236147	0.217438	0.189194	0.345906	0.294802	0.243350	0.364384	-0.005094	-0.006824	-0.000595	1.000000