Model-1*		Model-2*
Classification tree models	Learn	Test	Learn	Test
N (1,40,427)	70,207	70,220	70,207	70,220
Average Log Likelihood	-0.19	-0.185	-0.177	-0.172
ROC (Area Under Curve)	0.789	0.782	0.83	0.827
Misclass Rate Overall	0.059	0.056	0.059	0.056
Class. Accuracy	0.661	0.66	0.646	0.643
Specificity	72.60%	72.59%	62.92%	62.71%
Sensitivity	70.25%	67.45%	91.57%	90.36%
Overall % Correct Classification	66.03%		64.26%