• The data includes a wide range of information about the borrower. These variables include annual income, whether the income has been verified, type of employment, length of employment, home ownership, state of residence, debt-to-income ratio, outstanding debt, public records, secondary co-signers, and other information. For this last step of the analysis, you should provide some ideas for how these borrower characteristics could be used to sharpen your investment strategy. 

1. Would you prefer any of these borrower types over others based on the risk and return tradeoff? You can approach this by comparing int_rate and loan_status across different borrower types.