1. Financial advising The tips from the financial advis- ers suggest that it may be useful to incorporate the number of credit lines on a log scale in this model rather than a linear scale as in Table 4. Do you agree? Why or why not?
2. Financial advising In skimming the marginal distri- butions (histograms or bar charts) of other explana- tory variables in the fee data, what other problems do you find?