/* Parsing tree 0*/
if (missing(fico_range_low) or fico_range_low < 687) then do;
    if (missing(sub_grade) or sub_grade < 16) then do;
        treeValue0 = 0;
    end;
    else do;
        treeValue0 = 0;
    end;
end;
else do;
    if (missing(fico_range_low) or fico_range_low < 717) then do;
        treeValue0 = 0;
    end;
    else do;
        treeValue0 = 0;
    end;
end;

/* Parsing tree 1*/
if (missing(sub_grade) or sub_grade < 21) then do;
    if (missing(sub_grade) or sub_grade < 19) then do;
        treeValue1 = 0;
    end;
    else do;
        treeValue1 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 15) then do;
        treeValue1 = 0;
    end;
    else do;
        treeValue1 = 0;
    end;
end;

/* Parsing tree 2*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(int_rate) or int_rate < 9) then do;
        treeValue2 = 0;
    end;
    else do;
        treeValue2 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 16) then do;
        treeValue2 = 0;
    end;
    else do;
        treeValue2 = 0;
    end;
end;

/* Parsing tree 3*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 9) then do;
        treeValue3 = 0;
    end;
    else do;
        treeValue3 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 16) then do;
        treeValue3 = 0;
    end;
    else do;
        treeValue3 = 0;
    end;
end;

/* Parsing tree 4*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue4 = 0;
    end;
    else do;
        treeValue4 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 14) then do;
        treeValue4 = 0;
    end;
    else do;
        treeValue4 = 0;
    end;
end;

/* Parsing tree 5*/
if (missing(fico_range_low) or fico_range_low < 687) then do;
    if (missing(dti) or dti < 19) then do;
        treeValue5 = 0;
    end;
    else do;
        treeValue5 = 0;
    end;
end;
else do;
    if (missing(fico_range_low) or fico_range_low < 712) then do;
        treeValue5 = 0;
    end;
    else do;
        treeValue5 = 0;
    end;
end;

/* Parsing tree 6*/
if (missing(fico_range_low) or fico_range_low < 702) then do;
    if (missing(dti) or dti < 19) then do;
        treeValue6 = 0;
    end;
    else do;
        treeValue6 = 0;
    end;
end;
else do;
    if (missing(annual_inc) or annual_inc < 45041) then do;
        treeValue6 = 0;
    end;
    else do;
        treeValue6 = 0;
    end;
end;

/* Parsing tree 7*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 9) then do;
        treeValue7 = 0;
    end;
    else do;
        treeValue7 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 18) then do;
        treeValue7 = 0;
    end;
    else do;
        treeValue7 = 0;
    end;
end;

/* Parsing tree 8*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue8 = 0;
    end;
    else do;
        treeValue8 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 18) then do;
        treeValue8 = 0;
    end;
    else do;
        treeValue8 = 0;
    end;
end;

/* Parsing tree 9*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue9 = 0;
    end;
    else do;
        treeValue9 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 15) then do;
        treeValue9 = 0;
    end;
    else do;
        treeValue9 = 0;
    end;
end;

/* Parsing tree 10*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue10 = 0;
    end;
    else do;
        treeValue10 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 16) then do;
        treeValue10 = 0;
    end;
    else do;
        treeValue10 = 0;
    end;
end;

/* Parsing tree 11*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue11 = 0;
    end;
    else do;
        treeValue11 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 17) then do;
        treeValue11 = 0;
    end;
    else do;
        treeValue11 = 0;
    end;
end;

/* Parsing tree 12*/
if (missing(fico_range_low) or fico_range_low < 692) then do;
    if (missing(dti) or dti < 19) then do;
        treeValue12 = 0;
    end;
    else do;
        treeValue12 = 0;
    end;
end;
else do;
    if (missing(annual_inc) or annual_inc < 45500) then do;
        treeValue12 = 0;
    end;
    else do;
        treeValue12 = 0;
    end;
end;

/* Parsing tree 13*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(int_rate) or int_rate < 9) then do;
        treeValue13 = 0;
    end;
    else do;
        treeValue13 = 0;
    end;
end;
else do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 145222) then do;
        treeValue13 = 0;
    end;
    else do;
        treeValue13 = 0;
    end;
end;

/* Parsing tree 14*/
if (missing(fico_range_low) or fico_range_low < 702) then do;
    if (missing(avg_cur_bal) or avg_cur_bal < 7055) then do;
        treeValue14 = 0;
    end;
    else do;
        treeValue14 = 0;
    end;
end;
else do;
    if (missing(annual_inc) or annual_inc < 45041) then do;
        treeValue14 = 0;
    end;
    else do;
        treeValue14 = 0;
    end;
end;

/* Parsing tree 15*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(int_rate) or int_rate < 9) then do;
        treeValue15 = 0;
    end;
    else do;
        treeValue15 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 8343) then do;
        treeValue15 = 0;
    end;
    else do;
        treeValue15 = 0;
    end;
end;

/* Parsing tree 16*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue16 = 0;
    end;
    else do;
        treeValue16 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 14) then do;
        treeValue16 = 0;
    end;
    else do;
        treeValue16 = 0;
    end;
end;

/* Parsing tree 17*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue17 = 0;
    end;
    else do;
        treeValue17 = 0;
    end;
end;
else do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 174221) then do;
        treeValue17 = 0;
    end;
    else do;
        treeValue17 = 0;
    end;
end;

/* Parsing tree 18*/
if (missing(annual_inc) or annual_inc < 64791) then do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 3) then do;
        treeValue18 = 0;
    end;
    else do;
        treeValue18 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 6) then do;
        treeValue18 = 0;
    end;
    else do;
        treeValue18 = 0;
    end;
end;

/* Parsing tree 19*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue19 = 0;
    end;
    else do;
        treeValue19 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 19) then do;
        treeValue19 = 0;
    end;
    else do;
        treeValue19 = 0;
    end;
end;

/* Parsing tree 20*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 7) then do;
        treeValue20 = 0;
    end;
    else do;
        treeValue20 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 12954) then do;
        treeValue20 = 0;
    end;
    else do;
        treeValue20 = 0;
    end;
end;

/* Parsing tree 21*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 7) then do;
        treeValue21 = 0;
    end;
    else do;
        treeValue21 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 14) then do;
        treeValue21 = 0;
    end;
    else do;
        treeValue21 = 0;
    end;
end;

/* Parsing tree 22*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(int_rate) or int_rate < 7) then do;
        treeValue22 = 0;
    end;
    else do;
        treeValue22 = 0;
    end;
end;
else do;
    if (missing(home_ownership) or home_ownership < 0) then do;
        treeValue22 = 0;
    end;
    else do;
        treeValue22 = 0;
    end;
end;

/* Parsing tree 23*/
if (missing(fico_range_low) or fico_range_low < 702) then do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 5) then do;
        treeValue23 = 0;
    end;
    else do;
        treeValue23 = 0;
    end;
end;
else do;
    if (missing(annual_inc) or annual_inc < 40010) then do;
        treeValue23 = 0;
    end;
    else do;
        treeValue23 = 0;
    end;
end;

/* Parsing tree 24*/
if (missing(int_rate) or int_rate < 11) then do;
    if (missing(annual_inc) or annual_inc < 48024) then do;
        treeValue24 = 0;
    end;
    else do;
        treeValue24 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 18) then do;
        treeValue24 = 0;
    end;
    else do;
        treeValue24 = 0;
    end;
end;

/* Parsing tree 25*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(int_rate) or int_rate < 10) then do;
        treeValue25 = 0;
    end;
    else do;
        treeValue25 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 18) then do;
        treeValue25 = 0;
    end;
    else do;
        treeValue25 = 0;
    end;
end;

/* Parsing tree 26*/
if (missing(int_rate) or int_rate < 11) then do;
    if (missing(int_rate) or int_rate < 7) then do;
        treeValue26 = 0;
    end;
    else do;
        treeValue26 = 0;
    end;
end;
else do;
    if (missing(annual_inc) or annual_inc < 43441) then do;
        treeValue26 = 0;
    end;
    else do;
        treeValue26 = 0;
    end;
end;

/* Parsing tree 27*/
if (missing(int_rate) or int_rate < 11) then do;
    if (missing(avg_cur_bal) or avg_cur_bal < 9847) then do;
        treeValue27 = 0;
    end;
    else do;
        treeValue27 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 14107) then do;
        treeValue27 = 0;
    end;
    else do;
        treeValue27 = 0;
    end;
end;

/* Parsing tree 28*/
if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 222410) then do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 5) then do;
        treeValue28 = 0;
    end;
    else do;
        treeValue28 = 0;
    end;
end;
else do;
    if (missing(fico_range_low) or fico_range_low < 717) then do;
        treeValue28 = 0;
    end;
    else do;
        treeValue28 = 0;
    end;
end;

/* Parsing tree 29*/
if (missing(home_ownership) or home_ownership < 0) then do;
    if (missing(fico_range_low) or fico_range_low < 722) then do;
        treeValue29 = 0;
    end;
    else do;
        treeValue29 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 18) then do;
        treeValue29 = 0;
    end;
    else do;
        treeValue29 = 0;
    end;
end;

/* Parsing tree 30*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(int_rate) or int_rate < 7) then do;
        treeValue30 = 0;
    end;
    else do;
        treeValue30 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 6) then do;
        treeValue30 = 0;
    end;
    else do;
        treeValue30 = 0;
    end;
end;

/* Parsing tree 31*/
if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 220542) then do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 3) then do;
        treeValue31 = 0;
    end;
    else do;
        treeValue31 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 14) then do;
        treeValue31 = 0;
    end;
    else do;
        treeValue31 = 0;
    end;
end;

/* Parsing tree 32*/
if (missing(int_rate) or int_rate < 9) then do;
    if (missing(annual_inc) or annual_inc < 63799) then do;
        treeValue32 = 0;
    end;
    else do;
        treeValue32 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 15128) then do;
        treeValue32 = 0;
    end;
    else do;
        treeValue32 = 0;
    end;
end;

/* Parsing tree 33*/
if (missing(int_rate) or int_rate < 9) then do;
    if (missing(dti) or dti < 22) then do;
        treeValue33 = 0;
    end;
    else do;
        treeValue33 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 16) then do;
        treeValue33 = 0;
    end;
    else do;
        treeValue33 = 0;
    end;
end;

/* Parsing tree 34*/
if (missing(dti) or dti < 19) then do;
    if (missing(avg_cur_bal) or avg_cur_bal < 4423) then do;
        treeValue34 = 0;
    end;
    else do;
        treeValue34 = 0;
    end;
end;
else do;
    if (missing(fico_range_low) or fico_range_low < 682) then do;
        treeValue34 = 0;
    end;
    else do;
        treeValue34 = 0;
    end;
end;

/* Parsing tree 35*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue35 = 0;
    end;
    else do;
        treeValue35 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 174) then do;
        treeValue35 = 0;
    end;
    else do;
        treeValue35 = 0;
    end;
end;

/* Parsing tree 36*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(fico_range_low) or fico_range_low < 712) then do;
        treeValue36 = 0;
    end;
    else do;
        treeValue36 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 2) then do;
        treeValue36 = 0;
    end;
    else do;
        treeValue36 = 0;
    end;
end;

/* Parsing tree 37*/
if (missing(int_rate) or int_rate < 14) then do;
    if (missing(annual_inc) or annual_inc < 63600) then do;
        treeValue37 = 0;
    end;
    else do;
        treeValue37 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 153) then do;
        treeValue37 = 0;
    end;
    else do;
        treeValue37 = 0;
    end;
end;

/* Parsing tree 38*/
if (missing(int_rate) or int_rate < 10) then do;
    if (missing(fico_range_low) or fico_range_low < 707) then do;
        treeValue38 = 0;
    end;
    else do;
        treeValue38 = 0;
    end;
end;
else do;
    if (missing(home_ownership) or home_ownership < 0) then do;
        treeValue38 = 0;
    end;
    else do;
        treeValue38 = 0;
    end;
end;

/* Parsing tree 39*/
if (missing(int_rate) or int_rate < 13) then do;
    if (missing(dti) or dti < 22) then do;
        treeValue39 = 0;
    end;
    else do;
        treeValue39 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 149) then do;
        treeValue39 = 0;
    end;
    else do;
        treeValue39 = 0;
    end;
end;

/* Parsing tree 40*/
if (missing(int_rate) or int_rate < 14) then do;
    if (missing(dti) or dti < 19) then do;
        treeValue40 = 0;
    end;
    else do;
        treeValue40 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 149) then do;
        treeValue40 = 0;
    end;
    else do;
        treeValue40 = 0;
    end;
end;

/* Parsing tree 41*/
if (missing(int_rate) or int_rate < 9) then do;
    if (missing(int_rate) or int_rate < 7) then do;
        treeValue41 = 0;
    end;
    else do;
        treeValue41 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 13515) then do;
        treeValue41 = 0;
    end;
    else do;
        treeValue41 = 0;
    end;
end;

/* Parsing tree 42*/
if (missing(dti) or dti < 17) then do;
    if (missing(annual_inc) or annual_inc < 44287) then do;
        treeValue42 = 0;
    end;
    else do;
        treeValue42 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 5) then do;
        treeValue42 = 0;
    end;
    else do;
        treeValue42 = 0;
    end;
end;

/* Parsing tree 43*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 3) then do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 167519) then do;
        treeValue43 = 0;
    end;
    else do;
        treeValue43 = 0;
    end;
end;
else do;
    if (missing(home_ownership) or home_ownership < 0) then do;
        treeValue43 = 0;
    end;
    else do;
        treeValue43 = 0;
    end;
end;

/* Parsing tree 44*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 3) then do;
        treeValue44 = 0;
    end;
    else do;
        treeValue44 = 0;
    end;
end;
else do;
    if (missing(loan_amnt) or loan_amnt < 3712) then do;
        treeValue44 = 0;
    end;
    else do;
        treeValue44 = 0;
    end;
end;

/* Parsing tree 45*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 3) then do;
    if (missing(int_rate) or int_rate < 14) then do;
        treeValue45 = 0;
    end;
    else do;
        treeValue45 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 12980) then do;
        treeValue45 = 0;
    end;
    else do;
        treeValue45 = 0;
    end;
end;

/* Parsing tree 46*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 2) then do;
    if (missing(inq_last_6mths) or inq_last_6mths < 0) then do;
        treeValue46 = 0;
    end;
    else do;
        treeValue46 = 0;
    end;
end;
else do;
    if (missing(annual_inc) or annual_inc < 42398) then do;
        treeValue46 = 0;
    end;
    else do;
        treeValue46 = 0;
    end;
end;

/* Parsing tree 47*/
if (missing(int_rate) or int_rate < 14) then do;
    if (missing(int_rate) or int_rate < 7) then do;
        treeValue47 = 0;
    end;
    else do;
        treeValue47 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 293) then do;
        treeValue47 = 0;
    end;
    else do;
        treeValue47 = 0;
    end;
end;

/* Parsing tree 48*/
if (missing(annual_inc) or annual_inc < 66001) then do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 3) then do;
        treeValue48 = 0;
    end;
    else do;
        treeValue48 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue48 = 0;
    end;
    else do;
        treeValue48 = 0;
    end;
end;

/* Parsing tree 49*/
if (missing(avg_cur_bal) or avg_cur_bal < 2684) then do;
    if (missing(dti) or dti < 16) then do;
        treeValue49 = 0;
    end;
    else do;
        treeValue49 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 2) then do;
        treeValue49 = 0;
    end;
    else do;
        treeValue49 = 0;
    end;
end;

/* Parsing tree 50*/
if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 222528) then do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 7) then do;
        treeValue50 = 0;
    end;
    else do;
        treeValue50 = 0;
    end;
end;
else do;
    if (missing(fico_range_low) or fico_range_low < 727) then do;
        treeValue50 = 0;
    end;
    else do;
        treeValue50 = 0;
    end;
end;

/* Parsing tree 51*/
if (missing(dti) or dti < 25) then do;
    if (missing(annual_inc) or annual_inc < 40742) then do;
        treeValue51 = 0;
    end;
    else do;
        treeValue51 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 305) then do;
        treeValue51 = 0;
    end;
    else do;
        treeValue51 = 0;
    end;
end;

/* Parsing tree 52*/
if (missing(int_rate) or int_rate < 8) then do;
    if (missing(int_rate) or int_rate < 6) then do;
        treeValue52 = 0;
    end;
    else do;
        treeValue52 = 0;
    end;
end;
else do;
    if (missing(home_ownership) or home_ownership < 0) then do;
        treeValue52 = 0;
    end;
    else do;
        treeValue52 = 0;
    end;
end;

/* Parsing tree 53*/
if (missing(annual_inc) or annual_inc < 58001) then do;
    if (missing(installment) or installment < 306) then do;
        treeValue53 = 0;
    end;
    else do;
        treeValue53 = 0;
    end;
end;
else do;
    if (missing(revol_bal) or revol_bal < 12463) then do;
        treeValue53 = 0;
    end;
    else do;
        treeValue53 = 0;
    end;
end;

/* Parsing tree 54*/
if (missing(dti) or dti < 23) then do;
    if (missing(loan_amnt) or loan_amnt < 3837) then do;
        treeValue54 = 0;
    end;
    else do;
        treeValue54 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 9) then do;
        treeValue54 = 0;
    end;
    else do;
        treeValue54 = 0;
    end;
end;

/* Parsing tree 55*/
if (missing(avg_cur_bal) or avg_cur_bal < 33084) then do;
    if (missing(int_rate) or int_rate < 15) then do;
        treeValue55 = 0;
    end;
    else do;
        treeValue55 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue55 = 0;
    end;
    else do;
        treeValue55 = 0;
    end;
end;

/* Parsing tree 56*/
if (missing(int_rate) or int_rate < 15) then do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 173190) then do;
        treeValue56 = 0;
    end;
    else do;
        treeValue56 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 150) then do;
        treeValue56 = 0;
    end;
    else do;
        treeValue56 = 0;
    end;
end;

/* Parsing tree 57*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 7) then do;
    if (missing(annual_inc) or annual_inc < 63299) then do;
        treeValue57 = 0;
    end;
    else do;
        treeValue57 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 160) then do;
        treeValue57 = 0;
    end;
    else do;
        treeValue57 = 0;
    end;
end;

/* Parsing tree 58*/
if (missing(int_rate) or int_rate < 14) then do;
    if (missing(annual_inc) or annual_inc < 37161) then do;
        treeValue58 = 0;
    end;
    else do;
        treeValue58 = 0;
    end;
end;
else do;
    if (missing(month_digit) or month_digit < 8) then do;
        treeValue58 = 0;
    end;
    else do;
        treeValue58 = 0;
    end;
end;

/* Parsing tree 59*/
if (missing(annual_inc) or annual_inc < 36272) then do;
    if (missing(loan_amnt) or loan_amnt < 1737) then do;
        treeValue59 = 0;
    end;
    else do;
        treeValue59 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 476) then do;
        treeValue59 = 0;
    end;
    else do;
        treeValue59 = 0;
    end;
end;

/* Parsing tree 60*/
if (missing(int_rate) or int_rate < 7) then do;
    if (missing(int_rate) or int_rate < 6) then do;
        treeValue60 = 0;
    end;
    else do;
        treeValue60 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 71) then do;
        treeValue60 = 0;
    end;
    else do;
        treeValue60 = 0;
    end;
end;

/* Parsing tree 61*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 3) then do;
    if (missing(int_rate) or int_rate < 11) then do;
        treeValue61 = 0;
    end;
    else do;
        treeValue61 = 0;
    end;
end;
else do;
    if (missing(home_ownership) or home_ownership < 0) then do;
        treeValue61 = 0;
    end;
    else do;
        treeValue61 = 0;
    end;
end;

/* Parsing tree 62*/
if (missing(avg_cur_bal) or avg_cur_bal < 27373) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue62 = 0;
    end;
    else do;
        treeValue62 = 0;
    end;
end;
else do;
    if (missing(title) or title < 9) then do;
        treeValue62 = 0;
    end;
    else do;
        treeValue62 = 0;
    end;
end;

/* Parsing tree 63*/
if (missing(dti) or dti < 19) then do;
    if (missing(int_rate) or int_rate < 8) then do;
        treeValue63 = 0;
    end;
    else do;
        treeValue63 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 2) then do;
        treeValue63 = 0;
    end;
    else do;
        treeValue63 = 0;
    end;
end;

/* Parsing tree 64*/
if (missing(fico_range_low) or fico_range_low < 717) then do;
    if (missing(month_digit) or month_digit < 7) then do;
        treeValue64 = 0;
    end;
    else do;
        treeValue64 = 0;
    end;
end;
else do;
    if (missing(revol_bal) or revol_bal < 1092) then do;
        treeValue64 = 0;
    end;
    else do;
        treeValue64 = 0;
    end;
end;

/* Parsing tree 65*/
if (missing(annual_inc) or annual_inc < 81866) then do;
    if (missing(installment) or installment < 317) then do;
        treeValue65 = 0;
    end;
    else do;
        treeValue65 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 15) then do;
        treeValue65 = 0;
    end;
    else do;
        treeValue65 = 0;
    end;
end;

/* Parsing tree 66*/
if (missing(verification_status) or verification_status < 0) then do;
    if (missing(installment) or installment < 95) then do;
        treeValue66 = 0;
    end;
    else do;
        treeValue66 = 0;
    end;
end;
else do;
    if (missing(month_digit) or month_digit < 5) then do;
        treeValue66 = 0;
    end;
    else do;
        treeValue66 = 0;
    end;
end;

/* Parsing tree 67*/
if (missing(installment) or installment < 304) then do;
    if (missing(annual_inc) or annual_inc < 33923) then do;
        treeValue67 = 0;
    end;
    else do;
        treeValue67 = 0;
    end;
end;
else do;
    if (missing(annual_inc) or annual_inc < 45521) then do;
        treeValue67 = 0;
    end;
    else do;
        treeValue67 = 0;
    end;
end;

/* Parsing tree 68*/
if (missing(installment) or installment < 228) then do;
    if (missing(annual_inc) or annual_inc < 33945) then do;
        treeValue68 = 0;
    end;
    else do;
        treeValue68 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 2) then do;
        treeValue68 = 0;
    end;
    else do;
        treeValue68 = 0;
    end;
end;

/* Parsing tree 69*/
if (missing(avg_cur_bal) or avg_cur_bal < 46767) then do;
    if (missing(int_rate) or int_rate < 17) then do;
        treeValue69 = 0;
    end;
    else do;
        treeValue69 = 0;
    end;
end;
else do;
    if (missing(tax_liens) or tax_liens < 2) then do;
        treeValue69 = 0;
    end;
    else do;
        treeValue69 = 0;
    end;
end;

/* Parsing tree 70*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 2) then do;
    if (missing(inq_last_6mths) or inq_last_6mths < 1) then do;
        treeValue70 = 0;
    end;
    else do;
        treeValue70 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 15) then do;
        treeValue70 = 0;
    end;
    else do;
        treeValue70 = 0;
    end;
end;

/* Parsing tree 71*/
if (missing(int_rate) or int_rate < 7) then do;
    if (missing(annual_inc) or annual_inc < 54976) then do;
        treeValue71 = 0;
    end;
    else do;
        treeValue71 = 0;
    end;
end;
else do;
    if (missing(month_digit) or month_digit < 4) then do;
        treeValue71 = 0;
    end;
    else do;
        treeValue71 = 0;
    end;
end;

/* Parsing tree 72*/
if (missing(installment) or installment < 306) then do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 31763) then do;
        treeValue72 = 0;
    end;
    else do;
        treeValue72 = 0;
    end;
end;
else do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 339099) then do;
        treeValue72 = 0;
    end;
    else do;
        treeValue72 = 0;
    end;
end;

/* Parsing tree 73*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 6) then do;
    if (missing(fico_range_high) or fico_range_high < 721) then do;
        treeValue73 = 0;
    end;
    else do;
        treeValue73 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 134) then do;
        treeValue73 = 0;
    end;
    else do;
        treeValue73 = 0;
    end;
end;

/* Parsing tree 74*/
if (missing(int_rate) or int_rate < 8) then do;
    if (missing(annual_inc) or annual_inc < 53446) then do;
        treeValue74 = 0;
    end;
    else do;
        treeValue74 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 10) then do;
        treeValue74 = 0;
    end;
    else do;
        treeValue74 = 0;
    end;
end;

/* Parsing tree 75*/
if (missing(avg_cur_bal) or avg_cur_bal < 4456) then do;
    if (missing(dti) or dti < 11) then do;
        treeValue75 = 0;
    end;
    else do;
        treeValue75 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 21) then do;
        treeValue75 = 0;
    end;
    else do;
        treeValue75 = 0;
    end;
end;

/* Parsing tree 76*/
if (missing(loan_amnt) or loan_amnt < 1725) then do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 314897) then do;
        treeValue76 = 0;
    end;
    else do;
        treeValue76 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 14) then do;
        treeValue76 = 0;
    end;
    else do;
        treeValue76 = 0;
    end;
end;

/* Parsing tree 77*/
if (missing(month_digit) or month_digit < 4) then do;
    if (missing(fico_range_high) or fico_range_high < 671) then do;
        treeValue77 = 0;
    end;
    else do;
        treeValue77 = 0;
    end;
end;
else do;
    if (missing(verification_status) or verification_status < 0) then do;
        treeValue77 = 0;
    end;
    else do;
        treeValue77 = 0;
    end;
end;

/* Parsing tree 78*/
if (missing(installment) or installment < 304) then do;
    if (missing(avg_cur_bal) or avg_cur_bal < 2550) then do;
        treeValue78 = 0;
    end;
    else do;
        treeValue78 = 0;
    end;
end;
else do;
    if (missing(revol_bal) or revol_bal < 20355) then do;
        treeValue78 = 0;
    end;
    else do;
        treeValue78 = 0;
    end;
end;

/* Parsing tree 79*/
if (missing(home_ownership) or home_ownership < 0) then do;
    if (missing(avg_cur_bal) or avg_cur_bal < 42903) then do;
        treeValue79 = 0;
    end;
    else do;
        treeValue79 = 0;
    end;
end;
else do;
    if (missing(int_rate) or int_rate < 21) then do;
        treeValue79 = 0;
    end;
    else do;
        treeValue79 = 0;
    end;
end;

/* Parsing tree 80*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 4) then do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 23182) then do;
        treeValue80 = 0;
    end;
    else do;
        treeValue80 = 0;
    end;
end;
else do;
    if (missing(revol_util) or revol_util < 63) then do;
        treeValue80 = 0;
    end;
    else do;
        treeValue80 = 0;
    end;
end;

/* Parsing tree 81*/
if (missing(int_rate) or int_rate < 12) then do;
    if (missing(int_rate) or int_rate < 6) then do;
        treeValue81 = 0;
    end;
    else do;
        treeValue81 = 0;
    end;
end;
else do;
    if (missing(loan_amnt) or loan_amnt < 6237) then do;
        treeValue81 = 0;
    end;
    else do;
        treeValue81 = 0;
    end;
end;

/* Parsing tree 82*/
if (missing(installment) or installment < 65) then do;
    if (missing(annual_inc) or annual_inc < 24250) then do;
        treeValue82 = 0;
    end;
    else do;
        treeValue82 = 0;
    end;
end;
else do;
    if (missing(dti) or dti < 24) then do;
        treeValue82 = 0;
    end;
    else do;
        treeValue82 = 0;
    end;
end;

/* Parsing tree 83*/
if (missing(annual_inc) or annual_inc < 82341) then do;
    if (missing(month_digit) or month_digit < 5) then do;
        treeValue83 = 0;
    end;
    else do;
        treeValue83 = 0;
    end;
end;
else do;
    if (missing(revol_bal) or revol_bal < 11640) then do;
        treeValue83 = 0;
    end;
    else do;
        treeValue83 = 0;
    end;
end;

/* Parsing tree 84*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 2) then do;
    if (missing(inq_last_6mths) or inq_last_6mths < 0) then do;
        treeValue84 = 0;
    end;
    else do;
        treeValue84 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 101) then do;
        treeValue84 = 0;
    end;
    else do;
        treeValue84 = 0;
    end;
end;

/* Parsing tree 85*/
if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 522754) then do;
    if (missing(installment) or installment < 451) then do;
        treeValue85 = 0;
    end;
    else do;
        treeValue85 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 26852) then do;
        treeValue85 = 0;
    end;
    else do;
        treeValue85 = 0;
    end;
end;

/* Parsing tree 86*/
if (missing(installment) or installment < 513) then do;
    if (missing(annual_inc) or annual_inc < 36201) then do;
        treeValue86 = 0;
    end;
    else do;
        treeValue86 = 0;
    end;
end;
else do;
    if (missing(revol_bal) or revol_bal < 8488) then do;
        treeValue86 = 0;
    end;
    else do;
        treeValue86 = 0;
    end;
end;

/* Parsing tree 87*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 7) then do;
    if (missing(int_rate) or int_rate < 6) then do;
        treeValue87 = 0;
    end;
    else do;
        treeValue87 = 0;
    end;
end;
else do;
    if (missing(title) or title < 10) then do;
        treeValue87 = 0;
    end;
    else do;
        treeValue87 = 0;
    end;
end;

/* Parsing tree 88*/
if (missing(int_rate) or int_rate < 22) then do;
    if (missing(month_digit) or month_digit < 4) then do;
        treeValue88 = 0;
    end;
    else do;
        treeValue88 = 0;
    end;
end;
else do;
    if (missing(installment) or installment < 153) then do;
        treeValue88 = 0;
    end;
    else do;
        treeValue88 = 0;
    end;
end;

/* Parsing tree 89*/
if (missing(annual_inc) or annual_inc < 26978) then do;
    if (missing(int_rate) or int_rate < 22) then do;
        treeValue89 = 0;
    end;
    else do;
        treeValue89 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 7) then do;
        treeValue89 = 0;
    end;
    else do;
        treeValue89 = 0;
    end;
end;

/* Parsing tree 90*/
if (missing(int_rate) or int_rate < 6) then do;
    if (missing(revol_bal) or revol_bal < 950) then do;
        treeValue90 = 0;
    end;
    else do;
        treeValue90 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 2587) then do;
        treeValue90 = 0;
    end;
    else do;
        treeValue90 = 0;
    end;
end;

/* Parsing tree 91*/
if (missing(dti) or dti < 11) then do;
    if (missing(installment) or installment < 278) then do;
        treeValue91 = 0;
    end;
    else do;
        treeValue91 = 0;
    end;
end;
else do;
    if (missing(acc_open_past_24mths) or acc_open_past_24mths < 8) then do;
        treeValue91 = 0;
    end;
    else do;
        treeValue91 = 0;
    end;
end;

/* Parsing tree 92*/
if (missing(loan_amnt) or loan_amnt < 6012) then do;
    if (missing(mths_since_recent_inq) or mths_since_recent_inq < 3) then do;
        treeValue92 = 0;
    end;
    else do;
        treeValue92 = 0;
    end;
end;
else do;
    if (missing(revol_bal) or revol_bal < 22155) then do;
        treeValue92 = 0;
    end;
    else do;
        treeValue92 = 0;
    end;
end;

/* Parsing tree 93*/
if (missing(dti) or dti < 4) then do;
    if (missing(title) or title < 8) then do;
        treeValue93 = 0;
    end;
    else do;
        treeValue93 = 0;
    end;
end;
else do;
    if (missing(month_digit) or month_digit < 4) then do;
        treeValue93 = 0;
    end;
    else do;
        treeValue93 = 0;
    end;
end;

/* Parsing tree 94*/
if (missing(acc_open_past_24mths) or acc_open_past_24mths < 1) then do;
    if (missing(inq_last_6mths) or inq_last_6mths < 1) then do;
        treeValue94 = 0;
    end;
    else do;
        treeValue94 = 0;
    end;
end;
else do;
    if (missing(revol_util) or revol_util < 73) then do;
        treeValue94 = 0;
    end;
    else do;
        treeValue94 = 0;
    end;
end;

/* Parsing tree 95*/
if (missing(int_rate) or int_rate < 6) then do;
    if (missing(addr_state) or addr_state < 23) then do;
        treeValue95 = 0;
    end;
    else do;
        treeValue95 = 0;
    end;
end;
else do;
    if (missing(loan_amnt) or loan_amnt < 6212) then do;
        treeValue95 = 0;
    end;
    else do;
        treeValue95 = 0;
    end;
end;

/* Parsing tree 96*/
if (missing(mths_since_recent_inq) or mths_since_recent_inq < 0) then do;
    if (missing(revol_util) or revol_util < 82) then do;
        treeValue96 = 0;
    end;
    else do;
        treeValue96 = 0;
    end;
end;
else do;
    if (missing(avg_cur_bal) or avg_cur_bal < 2583) then do;
        treeValue96 = 0;
    end;
    else do;
        treeValue96 = 0;
    end;
end;

/* Parsing tree 97*/
if (missing(home_ownership) or home_ownership < 0) then do;
    if (missing(sub_grade) or sub_grade < 28) then do;
        treeValue97 = 0;
    end;
    else do;
        treeValue97 = 0;
    end;
end;
else do;
    if (missing(revol_util) or revol_util < 93) then do;
        treeValue97 = 0;
    end;
    else do;
        treeValue97 = 0;
    end;
end;

/* Parsing tree 98*/
if (missing(dti) or dti < 17) then do;
    if (missing(revol_bal) or revol_bal < 9812) then do;
        treeValue98 = 0;
    end;
    else do;
        treeValue98 = 0;
    end;
end;
else do;
    if (missing(tot_hi_cred_lim) or tot_hi_cred_lim < 31733) then do;
        treeValue98 = 0;
    end;
    else do;
        treeValue98 = 0;
    end;
end;

/* Parsing tree 99*/
if (missing(installment) or installment < 130) then do;
    if (missing(int_rate) or int_rate < 18) then do;
        treeValue99 = 0;
    end;
    else do;
        treeValue99 = 0;
    end;
end;
else do;
    if (missing(revol_bal) or revol_bal < 20318) then do;
        treeValue99 = 0;
    end;
    else do;
        treeValue99 = 0;
    end;
end;

/* Getting target probability */
treeValue = sum(treeValue0, treeValue1, treeValue2, treeValue3, treeValue4, treeValue5, treeValue6, treeValue7, treeValue8, treeValue9, treeValue10, treeValue11, treeValue12, treeValue13, treeValue14, treeValue15, treeValue16, treeValue17, treeValue18, treeValue19, treeValue20, treeValue21, treeValue22, treeValue23, treeValue24, treeValue25, treeValue26, treeValue27, treeValue28, treeValue29, treeValue30, treeValue31, treeValue32, treeValue33, treeValue34, treeValue35, treeValue36, treeValue37, treeValue38, treeValue39, treeValue40, treeValue41, treeValue42, treeValue43, treeValue44, treeValue45, treeValue46, treeValue47, treeValue48, treeValue49, treeValue50, treeValue51, treeValue52, treeValue53, treeValue54, treeValue55, treeValue56, treeValue57, treeValue58, treeValue59, treeValue60, treeValue61, treeValue62, treeValue63, treeValue64, treeValue65, treeValue66, treeValue67, treeValue68, treeValue69, treeValue70, treeValue71, treeValue72, treeValue73, treeValue74, treeValue75, treeValue76, treeValue77, treeValue78, treeValue79, treeValue80, treeValue81, treeValue82, treeValue83, treeValue84, treeValue85, treeValue86, treeValue87, treeValue88, treeValue89, treeValue90, treeValue91, treeValue92, treeValue93, treeValue94, treeValue95, treeValue96, treeValue97, treeValue98, treeValue99);
P_TARGET = 1 / (1 + exp(-treeValue));
