if tenor <= 18:
    if amount <= 22.5:
        if income <= 6.5:
            -> reject  (12 cases, 25% approved)
        else:  # income > 6.5
            -> APPROVE  (18 cases, 89% approved)
    else:  # amount > 22.5
        if income <= 11.5:
            -> reject  (100 cases, 6% approved)
        else:  # income > 11.5
            -> reject  (17 cases, 35% approved)
else:  # tenor > 18
    if history <= 0.5:
        if dependents <= 0.5:
            -> reject  (8 cases, 25% approved)
        else:  # dependents > 0.5
            -> reject  (26 cases, 0% approved)
    else:  # history > 0.5
        if amount <= 61.5:
            -> APPROVE  (193 cases, 84% approved)
        else:  # amount > 61.5
            -> reject  (76 cases, 38% approved)
test accuracy (depth 3, raw features): 0.840
