if dsr <= 0.332663:
    if history <= 0.5:
        if dependents <= 0.5:
            -> reject  (6 cases, 33% approved)
        else:  # dependents > 0.5
            -> reject  (20 cases, 0% approved)
    else:  # history > 0.5
        if years <= 0.5:
            -> reject  (7 cases, 29% approved)
        else:  # years > 0.5
            -> APPROVE  (224 cases, 92% approved)
else:  # dsr > 0.332663
    if dsr <= 0.349351:
        if history <= 1.5:
            -> reject  (9 cases, 0% approved)
        else:  # history > 1.5
            -> APPROVE  (6 cases, 100% approved)
    else:  # dsr > 0.349351
        if income <= 11.5:
            -> reject  (164 cases, 2% approved)
        else:  # income > 11.5
            -> reject  (14 cases, 21% approved)
test accuracy (depth 3, with dsr): 0.927

10-fold CV, depth 3, raw features: 0.797 +/- 0.036
10-fold CV, depth 3, with dsr    : 0.917 +/- 0.026
importances: dsr 0.73, history 0.22, years 0.03, dependents 0.01, income 0.01
|--- dsr <= 0.33
|   |--- history <= 0.50
|   |   |--- dependents <= 0.50
|   |   |   |--- class: 0
|   |   |--- dependents >  0.50
|   |   |   |--- class: 0
|   |--- history >  0.50
|   |   |--- years <= 0.50
|   |   |   |--- class: 0
|   |   |--- years >  0.50
|   |   |   |--- class: 1
|--- dsr >  0.33
|   |--- dsr <= 0.35
|   |   |--- history <= 1.50
|   |   |   |--- class: 0
|   |   |--- history >  1.50
|   |   |   |--- class: 1
|   |--- dsr >  0.35
|   |   |--- income <= 11.50
|   |   |   |--- class: 0
|   |   |--- income >  11.50
|   |   |   |--- class: 0
