#################################################################################
# Bayesian model selection and statistical modeling 
# Chapman & Hall/CRC Taylor and Francis Group 
#
# Chapter6: Section6.2.1
#
# Credit rating data
#
# The first column: ROA
# The second column: log of sales
# The third coulnm: Cach flow/sales ratio
# The fourth column: credit rating, 1=highest grade, 4=lowest grade
#
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17.69 6.407661 16.23 1
11.34 7.040446 10.06 1
7.49 6.540336 7.43 1
7.1 6.688758 7.76 1
8.65 6.348772 8.99 1
6.67 6.326989 14.32 1
8.97 6.350486 12.77 1
10.4 5.904605 18 1
12.39 5.962275 15.75 1
11.44 5.873631 19.44 1
10.42 5.972231 13.46 1
13.34 5.789302 17.16 1
4.8 7.14473 4.61 1
4.65 7.166608 4.9 1
4.91 6.097383 9.43 1
10.73 5.671525 18.44 1
8.93 6.086147 10.35 1
5.58 7.648438 6.14 1
4.91 7.621183 6.16 1
7.69 6.282038 11.04 1
3.54 6.452517 62.26 1
5.55 6.155189 20.17 1
7.42 5.662243 27.04 1
8.7 6.439221 10.34 1
9.13 6.434733 9.93 1
5.02 5.645525 6.15 2
5.72 6.134905 6.93 2
8.56 6.186887 5.96 2
8.7 6.412159 7.54 2
14.81 5.495884 13 2
9.97 5.78235 10.23 2
8.77 5.646983 9.21 2
5.72 5.848918 11.85 2
8.08 5.827608 11.63 2
2.82 6.326509 9.34 2
4.4 6.148034 12.01 2
4.14 6.338784 10.59 2
9.34 5.77711 10.66 2
8.67 5.909509 9.55 2
7.08 6.189562 10.56 2
7.58 5.725678 10.06 2
11.52 5.646905 11.35 2
20.2 5.484022 24.5 2
12.5 5.547874 14.27 2
2.91 6.849595 4.92 2
5.63 6.68297 11.78 2
3.81 5.854262 6.84 2
4.85 5.903469 9.62 2
5.06 6.107122 8.95 2
4.43 6.077334 6.95 2
4.07 6.534839 4.88 2
4.3 6.251266 5.18 2
6.13 6.199766 4.43 2
7.3 5.720854 5.34 2
4.6 5.885611 6.67 2
7 5.706168 7.08 2
4.55 6.158947 4.4 2
5.22 5.803467 5.54 2
9.5 5.723159 5.79 2
5.11 5.570347 8.54 2
5.31 6.02275 5.84 2
9.96 5.64346 8.9 2
9.14 5.34388 12.81 2
13.95 5.067509 14.2 2
17.8 5.587399 7.08 2
5.23 5.548741 10.07 2
7.3 5.812884 7.48 2
7.09 5.766208 11.39 2
7.2 5.656886 13.64 2
5.58 5.510583 14.04 2
4.22 5.5397 13.4 2
8.73 5.49526 10.89 2
2.34 6.174918 6.25 2
11.5 5.797192 10.46 2
9.72 5.657926 8.98 2
3.16 6.315531 -9.01 3
3.11 6.297 -12.98 3
2.58 5.395894 2.75 3
3.21 5.327597 3.51 3
4.64 5.070527 4.19 3
2.52 5.275908 2.68 3
3.83 5.418228 5.47 3
3.98 5.864969 5 3
4.45 5.821418 5.22 3
6.24 5.18019 7.46 3
8.13 5.236773 5.8 3
2.89 5.810161 2.97 3
6.46 5.444193 3.36 3
5.6 5.513234 5.42 3
2.98 5.431261 8.57 3
1.86 5.231518 13.45 3
4.12 5.542243 7.58 3
3.62 5.186472 7.46 3
6.41 5.494803 8.55 3
10.16 5.271952 18.27 3
5.56 5.313659 7.64 3
3.55 5.440622 7.99 3
1.78 5.52119 8.62 3
6.21 5.286595 7.9 3
9.89 5.272195 10.08 3
5.25 5.107594 8.54 3
6.38 5.141283 3.29 3
2.76 5.872838 -4.62 3
4.86 5.103529 2.57 3
9.52 4.970314 5.88 3
6.58 5.160028 4.11 3
7.12 5.046622 4.12 3
2.96 5.929208 6.2 3
2.54 5.631092 6.73 3
5 4.817535 9.35 3
-0.69 5.439217 6.69 3
8.49 5.202373 9.73 3
5.79 5.698421 8.61 3
6.46 5.35044 6.47 3
4.54 4.817263 6.06 3
4.6 4.928516 7.36 3
9.05 5.35362 8.37 3
7.29 4.881377 8.77 3
10.06 4.801256 8.92 3
4.33 4.938463 7.42 3
4.48 5.242313 0.75 4
2.41 6.121338 0.82 4
3.3 5.20073 0.92 4
1.28 5.254575 -1.16 4
2.77 5.402117 -1.51 4
1.74 5.169295 1.6 4
1.4 5.038946 -4.86 4
3.89 4.673113 2.22 4
9.95 4.608226 2.13 4
1.63 5.161943 3.28 4
3.7 5.155776 5.17 4
0.46 5.336155 1.73 4
8.54 4.887539 2.48 4
3.58 4.986046 3.79 4
-0.85 5.072272 -0.04 4
4.61 4.98332 5.33 4
2.17 4.503872 6.44 4
9 4.043559 9.38 4
5.61 4.464743 3.76 4
0.2 4.254548 0.66 4
2.58 5.753719 0.77 4
4.01 5.126583 1.19 4
2.67 4.977294 0.52 4
3.56 5.362842 1.53 4
4.02 5.274979 1.26 4
1.66 5.39512 -4.76 4
4.49 4.716162 0.76 4