notebooks/Modeling/04_model_optimization.ipynb

{
    "cells": [
        {
            "cell_type": "markdown",
            "id": "521e70f5",
            "metadata": {},
            "source": [
                "# 🎯 Model Optimization & Hyperparameter Tuning\n",
                "\n",
                "<div style=\"background: linear-gradient(135deg, #667eea 0%, #764ba2 100%); padding: 30px; border-radius: 10px; color: white; margin-bottom: 20px; \">\n",
                "  <h2>🏆 Phase 4: Optimizing Non-Linear Models</h2>\n",
                "  <p><strong>Goal:</strong> Discover optimal hyperparameters for Random Forest & XGBoost to maximize credit score prediction accuracy.</p>\n",
                "  <p style=\"font-size: 14px; opacity: 0.9;\">Building on feature engineering from Phase 3, we'll validate that complex features require non-linear models and discover optimal configurations for production deployment.</p>\n",
                "</div>\n",
                "\n",
                "## 📋 Introduction & Strategy\n",
                "\n",
                "### ❓ The Challenge\n",
                "From Phase 3, we learned:\n",
                "- ✅ **Advanced features help Random Forest** (+1.3% → 73.4%)\n",
                "- ❌ **Advanced features hurt Logistic Regression** (-6.56% → 65.4%)\n",
                "\n",
                "**Question:** Can hyperparameter tuning push Random Forest even further?\n",
                "\n",
                "### 🎯 Our Approach\n",
                "\n",
                "<div style=\"background: #e8f4f8; padding: 15px; border-radius: 8px; margin: 15px 0; color:DarkCyan;\">\n",
                "\n",
                "1. **Data Analysis** - Assess dataset characteristics for optimal CV strategy\n",
                "2. **Random Forest Optimization** - Grid search with balanced accuracy metric\n",
                "3. **XGBoost Optimization** - Sequential boosting with same CV fold strategy\n",
                "4. **Feature Importance** - Validate engineered features using 3 methods\n",
                "5. **Class Imbalance Handling** - Apply SMOTE if needed\n",
                "6. **Ensemble Methods** - Combine models via voting & stacking\n",
                "7. **Comprehensive Evaluation** - Compare all approaches with business metrics\n",
                "\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "## 🧠 Hyperparameter Guide\n",
                "\n",
                "### Random Forest Hyperparameters\n",
                "\n",
                "| Parameter | Purpose | Typical Range | Impact |\n",
                "| :--- | :--- | :--- | :--- |\n",
                "| **n_estimators** | Number of trees | 100-1000 | ⚠️ More trees = better but slower |\n",
                "| **max_depth** | Tree height limit | 8-15 | 🔥 Critical - controls complexity |\n",
                "| **min_samples_split** | Minimum samples to split | 2-20 | 🔥 Prevents overfitting |\n",
                "| **min_samples_leaf** | Minimum samples at leaf | 1-10 | 🔥 Leaf size constraint |\n",
                "| **max_features** | Features per split | 'sqrt', 'log2' | ⚠️ Feature diversity |\n",
                "| **class_weight** | Balance classes | 'balanced' | ✅ Handles imbalance |\n",
                "\n",
                "### XGBoost Hyperparameters\n",
                "\n",
                "| Parameter | Purpose | Typical Range | Impact |\n",
                "| :--- | :--- | :--- | :--- |\n",
                "| **n_estimators** | Boosting rounds | 50-500 | ⚠️ More iterations |\n",
                "| **learning_rate** | Step size | 0.01-0.3 | 🔥 Convergence speed |\n",
                "| **max_depth** | Tree depth | 3-8 | 🔥 Simpler than RF trees |\n",
                "| **subsample** | Row sampling | 0.5-1.0 | ⚠️ Prevent overfitting |\n",
                "| **colsample_bytree** | Column sampling | 0.5-1.0 | ⚠️ Feature sampling |\n",
                "| **reg_lambda** | L2 regularization | 0.5-2.0 | ⚠️ Complexity penalty |\n",
                "\n",
                "---\n",
                "\n",
                "## ⚙️ Optimization Strategy\n",
                "\n",
                "<div style=\"background: #f0f8e8; padding: 15px; border-radius: 8px; margin: 15px 0; color:DarkCyan;\">\n",
                "\n",
                "### Key Decisions\n",
                "\n",
                "✓ **CV Folds**: Adaptive (3-5 based on dataset size)  \n",
                "✓ **Scoring Metric**: Balanced Accuracy (handles imbalanced classes)  \n",
                "✓ **Class Weight**: Always 'balanced' (minority class protection)  \n",
                "✓ **Criterion**: Entropy (information gain)  \n",
                "✓ **OOB Score**: Enabled (out-of-bag validation)  \n",
                "\n",
                "</div>"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 19,
            "id": "c6975b14",
            "metadata": {},
            "outputs": [],
            "source": [
                "import pandas as pd\n",
                "import numpy as np\n",
                "import matplotlib.pyplot as plt\n",
                "import seaborn as sns\n",
                "import time\n",
                "from sklearn.model_selection import GridSearchCV, StratifiedKFold\n",
                "from sklearn.ensemble import RandomForestClassifier, VotingClassifier\n",
                "from sklearn.linear_model import LogisticRegression\n",
                "from sklearn.metrics import accuracy_score, precision_score, recall_score, f1_score, confusion_matrix, classification_report, roc_auc_score\n",
                "from xgboost import XGBClassifier\n",
                "import warnings\n",
                "warnings.filterwarnings('ignore')\n",
                "\n",
                "# Set style for better visualizations\n",
                "plt.style.use('seaborn-v0_8-darkgrid')\n",
                "sns.set_palette(\"husl\")\n",
                "np.random.seed(1907)"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "69402029",
            "metadata": {},
            "source": [
                "## 📂 Load Data from Phase 3 Feature Engineering"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 20,
            "id": "f0e7a3e2",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "================================================================================\n",
                        "📥 DATA LOADING & PREPARATION\n",
                        "================================================================================\n",
                        "\n",
                        "Training set: 12500 rows × 54 features\n",
                        "Test set: 12500 rows × 53 features\n",
                        "\n",
                        "✓ Test data does not contain Credit_Score (unlabeled test set)\n",
                        "  Using training data split for validation instead...\n",
                        "  Train/Test split: 10000 / 2500\n",
                        "\n",
                        "Feature matrix shapes:\n",
                        "  X_train: (10000, 53)\n",
                        "  X_test: (2500, 53)\n",
                        "  y_train: (10000,)\n",
                        "  y_test: (2500,)\n",
                        "\n",
                        "Target classes: [0 1 2]\n",
                        "Encoded values: [0 1 2]\n"
                    ]
                }
            ],
            "source": [
                "# Load processed data from Phase 3 Feature Engineering\n",
                "train_processed = pd.read_csv('../../data/processed/train_processed.csv')\n",
                "test_processed = pd.read_csv('../../data/processed/test_processed.csv')\n",
                "\n",
                "print(\"=\"*80)\n",
                "print(\"📥 DATA LOADING & PREPARATION\")\n",
                "print(\"=\"*80)\n",
                "print(f\"\\nTraining set: {train_processed.shape[0]} rows × {train_processed.shape[1]} features\")\n",
                "print(f\"Test set: {test_processed.shape[0]} rows × {test_processed.shape[1]} features\")\n",
                "\n",
                "# Check if Credit_Score exists in test data\n",
                "has_credit_score_test = 'Credit_Score' in test_processed.columns\n",
                "\n",
                "# Separate features and target\n",
                "X_train = train_processed.drop('Credit_Score', axis=1)\n",
                "y_train = train_processed['Credit_Score']\n",
                "\n",
                "if has_credit_score_test:\n",
                "    X_test = test_processed.drop('Credit_Score', axis=1)\n",
                "    y_test = test_processed['Credit_Score']\n",
                "    print(\"\\n✓ Test data contains Credit_Score column (labeled test set)\")\n",
                "else:\n",
                "    X_test = test_processed.copy()\n",
                "    y_test = None\n",
                "    print(\"\\n✓ Test data does not contain Credit_Score (unlabeled test set)\")\n",
                "    print(\"  Using training data split for validation instead...\")\n",
                "    \n",
                "    # If test doesn't have labels, split training data\n",
                "    from sklearn.model_selection import train_test_split\n",
                "    X_train, X_test, y_train, y_test = train_test_split(\n",
                "        X_train, y_train, test_size=0.2, random_state=1907, stratify=y_train\n",
                "    )\n",
                "    print(f\"  Train/Test split: {X_train.shape[0]} / {X_test.shape[0]}\")\n",
                "\n",
                "print(f\"\\nFeature matrix shapes:\")\n",
                "print(f\"  X_train: {X_train.shape}\")\n",
                "print(f\"  X_test: {X_test.shape}\")\n",
                "print(f\"  y_train: {y_train.shape}\")\n",
                "print(f\"  y_test: {y_test.shape if y_test is not None else 'N/A'}\")\n",
                "\n",
                "# Encode categorical target if needed\n",
                "from sklearn.preprocessing import LabelEncoder\n",
                "le = LabelEncoder()\n",
                "y_train_encoded = le.fit_transform(y_train)\n",
                "if y_test is not None:\n",
                "    y_test_encoded = le.transform(y_test)\n",
                "else:\n",
                "    y_test_encoded = None\n",
                "\n",
                "print(f\"\\nTarget classes: {le.classes_}\")\n",
                "print(f\"Encoded values: {np.unique(y_train_encoded)}\")\n",
                "\n",
                "# Data Standardization (for some models)\n",
                "from sklearn.preprocessing import StandardScaler\n",
                "scaler = StandardScaler()\n",
                "X_train_scaled = scaler.fit_transform(X_train)\n",
                "X_test_scaled = scaler.transform(X_test)"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "80e647ec",
            "metadata": {},
            "source": [
                "## 🧪 Step 1: Baseline Model (Logistic Regression)"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 21,
            "id": "09dcd1fb",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "🏁 BASELINE MODEL: LOGISTIC REGRESSION\n",
                        "================================================================================\n",
                        "\n",
                        "✓ Baseline Model Performance:\n",
                        "  Accuracy:  0.6540\n",
                        "  Precision: 0.6576\n",
                        "  Recall:    0.6540\n",
                        "  F1-Score:  0.6522\n"
                    ]
                }
            ],
            "source": [
                "# Baseline Model: Logistic Regression\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"🏁 BASELINE MODEL: LOGISTIC REGRESSION\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "baseline_lr = LogisticRegression(max_iter=1000, random_state=1907, multi_class='multinomial')\n",
                "baseline_lr.fit(X_train_scaled, y_train_encoded)\n",
                "\n",
                "baseline_pred = baseline_lr.predict(X_test_scaled)\n",
                "\n",
                "baseline_accuracy = accuracy_score(y_test, baseline_pred)\n",
                "baseline_precision = precision_score(y_test, baseline_pred, average='weighted', zero_division=0)\n",
                "baseline_recall = recall_score(y_test, baseline_pred, average='weighted', zero_division=0)\n",
                "baseline_f1 = f1_score(y_test, baseline_pred, average='weighted', zero_division=0)\n",
                "\n",
                "print(f\"\\n✓ Baseline Model Performance:\")\n",
                "print(f\"  Accuracy:  {baseline_accuracy:.4f}\")\n",
                "print(f\"  Precision: {baseline_precision:.4f}\")\n",
                "print(f\"  Recall:    {baseline_recall:.4f}\")\n",
                "print(f\"  F1-Score:  {baseline_f1:.4f}\")"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "7bb0c8f3",
            "metadata": {},
            "source": [
                "## 🌲 Step 2: Random Forest Optimization\n",
                "\n",
                "<div style=\"background: #fff3cd; padding: 15px; border-radius: 8px; margin: 15px 0; border-left: 5px solid #ff9800; color:DarkCyan;\">\n",
                "\n",
                "### 🎯 Strategy: Quality-Balanced Approach\n",
                "\n",
                "**Why not just maximize accuracy?**\n",
                "- ❌ Raw accuracy misleads with imbalanced classes\n",
                "- ✅ **Balanced Accuracy** weighs minority classes equally\n",
                "\n",
                "**Our Parameter Choices:**\n",
                "- **n_estimators** = [300, 500] → Good ensemble with ~15-20 min runtime\n",
                "- **max_depth** = [10, 12] → Deep enough to capture patterns, avoid overfitting\n",
                "- **min_samples_split** = [5, 10] → Prevents excessive splitting\n",
                "- **min_samples_leaf** = [2, 4] → Stabilizes leaf nodes\n",
                "- **max_features** = ['sqrt', 'log2'] → Feature diversity\n",
                "\n",
                "**Key Settings:**\n",
                "- 🔐 `class_weight='balanced'` → Protects minority classes\n",
                "- 📊 `criterion='entropy'` → Information gain (better splitting)\n",
                "- 💾 `oob_score=True` → Out-of-bag validation (free performance check)\n",
                "- 🎲 `StratifiedKFold(n_splits=5)` → Maintains class distribution in folds\n",
                "\n",
                "</div>"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 22,
            "id": "712732fe",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "🌲 RANDOM FOREST HYPERPARAMETER OPTIMIZATION\n",
                        "================================================================================\n",
                        "\n",
                        "📊 Dataset Analysis:\n",
                        "  Training samples: 10000 rows\n",
                        "  Test samples: 2500 rows\n",
                        "  Number of features: 53\n",
                        "  Class distribution: {2: 4665, 1: 3330, 0: 2005}\n",
                        "  Optimal CV folds: 5 (based on dataset size)\n",
                        "\n",
                        "⏱️  Optimization Strategy:\n",
                        "  Total combinations: 72\n",
                        "  CV folds: 5\n",
                        "  Total model trainings: 360\n",
                        "  Estimated time: 5-10 minutes\n",
                        "\n",
                        "Training started...\n",
                        "\n",
                        "Fitting 5 folds for each of 72 candidates, totalling 360 fits\n",
                        "\n",
                        "✓ Training completed\n",
                        "  Time: 13.52 minutes\n",
                        "\n",
                        "================================================================================\n",
                        "🏆 RESULTS - RANDOM FOREST\n",
                        "================================================================================\n",
                        "\n",
                        "Best parameters:\n",
                        "{'max_depth': 15, 'max_features': 'sqrt', 'min_samples_leaf': 2, 'min_samples_split': 5, 'n_estimators': 300}\n",
                        "\n",
                        "CV Balanced Accuracy: 0.7740\n",
                        "\n",
                        "Test Performance:\n",
                        "  Accuracy:  0.7372\n",
                        "  Precision: 0.7628\n",
                        "  Recall:    0.7372\n",
                        "  F1-Score:  0.7384\n",
                        "  ROC-AUC:   0.8704\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.59      0.83      0.69       501\n",
                        "           1       0.73      0.81      0.77       832\n",
                        "           2       0.86      0.64      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.74      2500\n",
                        "   macro avg       0.73      0.76      0.73      2500\n",
                        "weighted avg       0.76      0.74      0.74      2500\n",
                        "\n"
                    ]
                }
            ],
            "source": [
                "# Random Forest Hyperparameter Optimization\n",
                "# Dataset: Imbalanced class distribution  \n",
                "# Method: Stratified K-Fold CV with GridSearchCV\n",
                "\n",
                "\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"🌲 RANDOM FOREST HYPERPARAMETER OPTIMIZATION\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "# Dataset analysis for optimal CV fold selection\n",
                "print(\"\\n📊 Dataset Analysis:\")\n",
                "print(f\"  Training samples: {X_train.shape[0]} rows\")\n",
                "print(f\"  Test samples: {X_test.shape[0]} rows\")\n",
                "print(f\"  Number of features: {X_train.shape[1]}\")\n",
                "print(f\"  Class distribution: {dict(y_train.value_counts())}\")\n",
                "\n",
                "# Determine optimal CV folds based on dataset size\n",
                "train_size = X_train.shape[0]\n",
                "if train_size < 1000:\n",
                "    optimal_folds = 3\n",
                "elif train_size < 10000:\n",
                "    optimal_folds = 5\n",
                "else:\n",
                "    optimal_folds = 5\n",
                "\n",
                "print(f\"  Optimal CV folds: {optimal_folds} (based on dataset size)\")\n",
                "\n",
                "# Parameter grid optimized for balanced accuracy and speed\n",
                "rf_param_grid = {\n",
                "    'n_estimators': [300, 500],\n",
                "    'max_depth': [10, 12, 15],\n",
                "    'min_samples_split': [5, 10, 15],\n",
                "    'min_samples_leaf': [2, 4],\n",
                "    'max_features': ['sqrt', 'log2'],\n",
                "}\n",
                "\n",
                "# Initialize Random Forest with quality-focused settings\n",
                "rf_base = RandomForestClassifier(\n",
                "    class_weight='balanced',\n",
                "    criterion='entropy',\n",
                "    oob_score=True,\n",
                "    bootstrap=True,\n",
                "    n_jobs=-1,\n",
                "    random_state=1907,\n",
                "    verbose=0\n",
                ")\n",
                "\n",
                "# Calculate total combinations\n",
                "total_combos = 1\n",
                "for key, val in rf_param_grid.items():\n",
                "    total_combos *= len(val)\n",
                "\n",
                "print(f\"\\n⏱️  Optimization Strategy:\")\n",
                "print(f\"  Total combinations: {total_combos}\")\n",
                "print(f\"  CV folds: {optimal_folds}\")\n",
                "print(f\"  Total model trainings: {total_combos * optimal_folds}\")\n",
                "print(f\"  Estimated time: 5-10 minutes\")\n",
                "print()\n",
                "\n",
                "# Create stratified k-fold for imbalanced dataset\n",
                "skf = StratifiedKFold(n_splits=optimal_folds, shuffle=True, random_state=1907)\n",
                "\n",
                "# Grid Search\n",
                "start_time = time.time()\n",
                "\n",
                "rf_grid_search = GridSearchCV(\n",
                "    estimator=rf_base,\n",
                "    param_grid=rf_param_grid,\n",
                "    cv=skf,\n",
                "    scoring='balanced_accuracy',\n",
                "    n_jobs=1,\n",
                "    verbose=1\n",
                ")\n",
                "\n",
                "print(\"Training started...\\n\")\n",
                "rf_grid_search.fit(X_train, y_train)\n",
                "\n",
                "elapsed_time = time.time() - start_time\n",
                "\n",
                "print(f\"\\n✓ Training completed\")\n",
                "print(f\"  Time: {elapsed_time/60:.2f} minutes\\n\")\n",
                "\n",
                "print(\"=\" * 80)\n",
                "print(\"🏆 RESULTS - RANDOM FOREST\")\n",
                "print(\"=\" * 80)\n",
                "print(f\"\\nBest parameters:\\n{rf_grid_search.best_params_}\\n\")\n",
                "print(f\"CV Balanced Accuracy: {rf_grid_search.best_score_:.4f}\")\n",
                "\n",
                "# Test performance\n",
                "rf_best = rf_grid_search.best_estimator_\n",
                "rf_pred = rf_best.predict(X_test)\n",
                "\n",
                "rf_accuracy = accuracy_score(y_test, rf_pred)\n",
                "rf_precision = precision_score(y_test, rf_pred, average='weighted', zero_division=0)\n",
                "rf_recall = recall_score(y_test, rf_pred, average='weighted', zero_division=0)\n",
                "rf_f1 = f1_score(y_test, rf_pred, average='weighted', zero_division=0)\n",
                "\n",
                "print(f\"\\nTest Performance:\")\n",
                "print(f\"  Accuracy:  {rf_accuracy:.4f}\")\n",
                "print(f\"  Precision: {rf_precision:.4f}\")\n",
                "print(f\"  Recall:    {rf_recall:.4f}\")\n",
                "print(f\"  F1-Score:  {rf_f1:.4f}\")\n",
                "print(f\"  ROC-AUC:   {roc_auc_score(y_test, rf_best.predict_proba(X_test), multi_class='ovr'):.4f}\\n\")\n",
                "print(classification_report(y_test, rf_pred))"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "f603948f",
            "metadata": {},
            "source": [
                "## ⚡ Step 3: XGBoost Optimization\n",
                "\n",
                "<div style=\"background: #e3f2fd; padding: 15px; border-radius: 8px; margin: 15px 0; border-left: 5px solid #2196f3; color:DarkCyan;\">\n",
                "\n",
                "### 🎯 Why XGBoost?\n",
                "\n",
                "XGBoost uses **gradient boosting** to minimize error iteratively. Different from Random Forest:\n",
                "\n",
                "- **Sequential learning** - each iteration corrects previous errors\n",
                "- **Lower learning rates** - more stable results than aggressive boosting\n",
                "- **Shallower trees** - max_depth: 5-6 (vs RF's 10-15)\n",
                "- **Faster training** - ~2-5 minutes vs RF's 5-10 minutes\n",
                "\n",
                "### 📊 Parameter Explanation\n",
                "\n",
                "| Parameter | Why It Matters |\n",
                "|-----------|---|\n",
                "| **n_estimators [300,500]** | Number of boosting rounds |\n",
                "| **learning_rate [0.05,0.1]** | Shrinkage factor - lower = stable, higher = fast |\n",
                "| **max_depth [5,6]** | Shallow trees prevent overfitting |\n",
                "| **subsample [0.8,0.9]** | Row sampling - prevent overfitting |\n",
                "| **colsample_bytree [0.8,0.9]** | Column sampling per tree |\n",
                "| **reg_lambda [0.5,1.0]** | L2 regularization strength |\n",
                "\n",
                "</div>"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 23,
            "id": "9ef53367",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "⚡ XGBOOST HYPERPARAMETER OPTIMIZATION\n",
                        "================================================================================\n",
                        "\n",
                        "⏱️  Optimization Strategy:\n",
                        "  Total combinations: 64\n",
                        "  CV folds: 5\n",
                        "  Total model trainings: 320\n",
                        "  Estimated time: 2-5 minutes\n",
                        "\n",
                        "Training started...\n",
                        "\n",
                        "Fitting 5 folds for each of 64 candidates, totalling 320 fits\n",
                        "\n",
                        "✓ Training completed\n",
                        "  Time: 2.23 minutes\n",
                        "\n",
                        "================================================================================\n",
                        "⚡ RESULTS - XGBOOST\n",
                        "================================================================================\n",
                        "\n",
                        "Best parameters:\n",
                        "{'colsample_bytree': 0.8, 'learning_rate': 0.05, 'max_depth': 5, 'n_estimators': 300, 'reg_lambda': 0.5, 'subsample': 0.9}\n",
                        "\n",
                        "CV Balanced Accuracy: 0.7494\n",
                        "\n",
                        "Test Performance:\n",
                        "  Accuracy:  0.7264\n",
                        "  Precision: 0.7326\n",
                        "  Recall:    0.7264\n",
                        "  F1-Score:  0.7276\n",
                        "  ROC-AUC:   0.8725\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.62      0.74      0.67       501\n",
                        "           1       0.74      0.75      0.74       832\n",
                        "           2       0.78      0.70      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.73      2500\n",
                        "   macro avg       0.71      0.73      0.72      2500\n",
                        "weighted avg       0.73      0.73      0.73      2500\n",
                        "\n"
                    ]
                }
            ],
            "source": [
                "# XGBoost Hyperparameter Optimization\n",
                "# Multiclass classification with balanced evaluation\n",
                "\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"⚡ XGBOOST HYPERPARAMETER OPTIMIZATION\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "# Parameter grid for XGBoost - balanced approach\n",
                "xgb_param_grid = {\n",
                "    'n_estimators': [300, 500],\n",
                "    'learning_rate': [0.05, 0.1],\n",
                "    'max_depth': [5, 6],\n",
                "    'subsample': [0.8, 0.9],\n",
                "    'colsample_bytree': [0.8, 0.9],\n",
                "    'reg_lambda': [0.5, 1.0],\n",
                "}\n",
                "\n",
                "# Initialize XGBoost\n",
                "xgb_base = XGBClassifier(\n",
                "    objective='multi:softmax',\n",
                "    num_class=3,\n",
                "    eval_metric='mlogloss',\n",
                "    random_state=1907,\n",
                "    n_jobs=-1,\n",
                "    verbosity=0\n",
                ")\n",
                "\n",
                "# Calculate combinations\n",
                "total_xgb = 1\n",
                "for key, val in xgb_param_grid.items():\n",
                "    total_xgb *= len(val)\n",
                "\n",
                "print(f\"\\n⏱️  Optimization Strategy:\")\n",
                "print(f\"  Total combinations: {total_xgb}\")\n",
                "print(f\"  CV folds: {optimal_folds}\")\n",
                "print(f\"  Total model trainings: {total_xgb * optimal_folds}\")\n",
                "print(f\"  Estimated time: 2-5 minutes\\n\")\n",
                "\n",
                "# Grid Search for XGBoost\n",
                "start_time = time.time()\n",
                "\n",
                "xgb_grid_search = GridSearchCV(\n",
                "    estimator=xgb_base,\n",
                "    param_grid=xgb_param_grid,\n",
                "    cv=skf,\n",
                "    scoring='balanced_accuracy',\n",
                "    n_jobs=-1,\n",
                "    verbose=1\n",
                ")\n",
                "\n",
                "print(\"Training started...\\n\")\n",
                "xgb_grid_search.fit(X_train, y_train)\n",
                "\n",
                "elapsed_time = time.time() - start_time\n",
                "\n",
                "print(f\"\\n✓ Training completed\")\n",
                "print(f\"  Time: {elapsed_time/60:.2f} minutes\\n\")\n",
                "\n",
                "print(\"=\" * 80)\n",
                "print(\"⚡ RESULTS - XGBOOST\")\n",
                "print(\"=\" * 80)\n",
                "print(f\"\\nBest parameters:\\n{xgb_grid_search.best_params_}\\n\")\n",
                "print(f\"CV Balanced Accuracy: {xgb_grid_search.best_score_:.4f}\")\n",
                "\n",
                "# Test performance\n",
                "xgb_best = xgb_grid_search.best_estimator_\n",
                "xgb_pred = xgb_best.predict(X_test)\n",
                "\n",
                "xgb_accuracy = accuracy_score(y_test, xgb_pred)\n",
                "xgb_precision = precision_score(y_test, xgb_pred, average='weighted', zero_division=0)\n",
                "xgb_recall = recall_score(y_test, xgb_pred, average='weighted', zero_division=0)\n",
                "xgb_f1 = f1_score(y_test, xgb_pred, average='weighted', zero_division=0)\n",
                "\n",
                "print(f\"\\nTest Performance:\")\n",
                "print(f\"  Accuracy:  {xgb_accuracy:.4f}\")\n",
                "print(f\"  Precision: {xgb_precision:.4f}\")\n",
                "print(f\"  Recall:    {xgb_recall:.4f}\")\n",
                "print(f\"  F1-Score:  {xgb_f1:.4f}\")\n",
                "print(f\"  ROC-AUC:   {roc_auc_score(y_test, xgb_best.predict_proba(X_test), multi_class='ovr'):.4f}\\n\")\n",
                "print(classification_report(y_test, xgb_pred))"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 24,
            "id": "9545baf7",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "📊 EARLY STAGE MODEL COMPARISON\n",
                        "================================================================================\n",
                        "\n",
                        "\n",
                        "              Model  Accuracy  Precision  Recall  F1-Score\n",
                        "Logistic Regression    0.6540   0.657646  0.6540  0.652190\n",
                        "      Random Forest    0.7372   0.762816  0.7372  0.738351\n",
                        "            XGBoost    0.7264   0.732640  0.7264  0.727617\n",
                        "\n",
                        "✓ Best model so far: Random Forest\n",
                        "  Accuracy: 0.7372\n"
                    ]
                }
            ],
            "source": [
                "# Early Stage Model Comparison\n",
                "\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"📊 EARLY STAGE MODEL COMPARISON\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "# Compare baseline, RF, and XGBoost\n",
                "comparison_data = {\n",
                "    'Model': ['Logistic Regression', 'Random Forest', 'XGBoost'],\n",
                "    'Accuracy': [baseline_accuracy, rf_accuracy, xgb_accuracy],\n",
                "    'Precision': [baseline_precision, rf_precision, xgb_precision],\n",
                "    'Recall': [baseline_recall, rf_recall, xgb_recall],\n",
                "    'F1-Score': [baseline_f1, rf_f1, xgb_f1],\n",
                "}\n",
                "\n",
                "comparison_df = pd.DataFrame(comparison_data)\n",
                "print(\"\\n\")\n",
                "print(comparison_df.to_string(index=False))\n",
                "\n",
                "best_model_name = comparison_df.loc[comparison_df['Accuracy'].idxmax(), 'Model']\n",
                "best_model_acc = comparison_df['Accuracy'].max()\n",
                "print(f\"\\n✓ Best model so far: {best_model_name}\")\n",
                "print(f\"  Accuracy: {best_model_acc:.4f}\")"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 25,
            "id": "de440d5d",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "📊 FEATURE IMPORTANCE ANALYSIS\n",
                        "================================================================================\n",
                        "\n",
                        "1. STANDARD FEATURE IMPORTANCE (Random Forest built-in)\n",
                        "\n",
                        "Top 15 most important features:\n",
                        "\n",
                        "                  Feature  Importance\n",
                        "       Credit_Mix_Ordinal    0.115736\n",
                        "         Outstanding_Debt    0.109798\n",
                        "      Delay_from_due_date    0.072277\n",
                        "          DTI_x_LoanCount    0.062728\n",
                        "Payment_of_Min_Amount_Yes    0.047565\n",
                        "            Interest_Rate    0.046165\n",
                        " Payment_of_Min_Amount_No    0.043875\n",
                        "          Num_Credit_Card    0.041632\n",
                        "     Num_Credit_Inquiries    0.040674\n",
                        "     Debt_to_Income_Ratio    0.038559\n",
                        "   Num_of_Delayed_Payment    0.034062\n",
                        "        Num_Bank_Accounts    0.032442\n",
                        "    Installment_to_Income    0.026052\n",
                        "            Debt_Per_Loan    0.025562\n",
                        "    Loan_Count_Calculated    0.025174\n",
                        "\n",
                        "\n",
                        "2. PERMUTATION IMPORTANCE\n",
                        "   (Feature ranking learned by model - more reliable)\n",
                        "\n",
                        "Top 15 most important features:\n",
                        "\n",
                        "                  Feature  Importance      Std\n",
                        "       Credit_Mix_Ordinal     0.07428 0.004807\n",
                        "      Delay_from_due_date     0.04824 0.004309\n",
                        "         Outstanding_Debt     0.04644 0.003624\n",
                        "            Interest_Rate     0.02848 0.004875\n",
                        "     Num_Credit_Inquiries     0.00716 0.002112\n",
                        "        Num_Bank_Accounts     0.00564 0.001491\n",
                        "          DTI_x_LoanCount     0.00460 0.001661\n",
                        "Payment_of_Min_Amount_Yes     0.00420 0.001622\n",
                        " Payment_of_Min_Amount_No     0.00372 0.001960\n",
                        "   Num_of_Delayed_Payment     0.00264 0.000933\n",
                        "     Debt_to_Income_Ratio     0.00256 0.001305\n",
                        "    Loan_Count_Calculated     0.00244 0.001166\n",
                        "    Monthly_Inhand_Salary     0.00180 0.000447\n",
                        "        Log_Annual_Income     0.00180 0.000881\n",
                        "            Debt_Per_Loan     0.00172 0.001059\n",
                        "\n",
                        "\n",
                        "3. SHAP VALUES\n",
                        "   (Feature contribution to individual predictions)\n",
                        "\n",
                        "   Note: SHAP library not installed\n",
                        "\n",
                        "\n",
                        "--------------------------------------------------------------------------------\n",
                        "📈 VISUAL COMPARISON - Top 10 Features\n",
                        "--------------------------------------------------------------------------------\n"
                    ]
                },
                {
                    "data": {
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                        "text/plain": [
                            "<Figure size 1500x600 with 2 Axes>"
                        ]
                    },
                    "metadata": {},
                    "output_type": "display_data"
                },
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "⚖️  CLASS IMBALANCE ANALYSIS & SMOTE\n",
                        "================================================================================\n",
                        "\n",
                        "Class distribution:\n",
                        "Credit_Score\n",
                        "0    2005\n",
                        "1    3330\n",
                        "2    4665\n",
                        "Name: count, dtype: int64\n",
                        "\n",
                        "Percentages (%): {0: 20.0, 1: 33.3, 2: 46.7}\n",
                        "Imbalance ratio: 2.33x\n",
                        "\n",
                        "⚠️  Class imbalance detected - SMOTE will be applied\n",
                        "\n",
                        "SMOTE Application:\n",
                        "  Before: 10000 samples → {0: 2005, 1: 3330, 2: 4665}\n",
                        "  After:  13995 samples → {0: 4665, 1: 4665, 2: 4665}\n",
                        "\n",
                        "Performance Comparison:\n",
                        "  Original RF: 0.7372\n",
                        "  SMOTE RF:    0.7352\n",
                        "  Difference:  -0.20%\n",
                        "\n",
                        "✓ Original model is sufficient\n"
                    ]
                }
            ],
            "source": [
                "# Feature Importance Analysis & Class Imbalance Handling\n",
                "\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"📊 FEATURE IMPORTANCE ANALYSIS\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "# 1. Standard Feature Importance (Built-in)\n",
                "print(\"\\n1. STANDARD FEATURE IMPORTANCE (Random Forest built-in)\")\n",
                "feature_importance_rf = pd.DataFrame({\n",
                "    'Feature': X_train.columns,\n",
                "    'Importance': rf_best.feature_importances_\n",
                "}).sort_values('Importance', ascending=False)\n",
                "\n",
                "print(f\"\\nTop 15 most important features:\\n\")\n",
                "print(feature_importance_rf.head(15).to_string(index=False))\n",
                "\n",
                "# 2. Permutation Importance  \n",
                "print(\"\\n\\n2. PERMUTATION IMPORTANCE\")\n",
                "print(\"   (Feature ranking learned by model - more reliable)\\n\")\n",
                "\n",
                "from sklearn.inspection import permutation_importance\n",
                "\n",
                "perm_importance = permutation_importance(\n",
                "    rf_best, X_test, y_test, \n",
                "    n_repeats=10, \n",
                "    random_state=1907,\n",
                "    n_jobs=-1\n",
                ")\n",
                "\n",
                "perm_df = pd.DataFrame({\n",
                "    'Feature': X_train.columns,\n",
                "    'Importance': perm_importance.importances_mean,\n",
                "    'Std': perm_importance.importances_std\n",
                "}).sort_values('Importance', ascending=False)\n",
                "\n",
                "print(f\"Top 15 most important features:\\n\")\n",
                "print(perm_df.head(15)[['Feature', 'Importance', 'Std']].to_string(index=False))\n",
                "\n",
                "# 3. SHAP Values for interpretability\n",
                "print(\"\\n\\n3. SHAP VALUES\")\n",
                "print(\"   (Feature contribution to individual predictions)\\n\")\n",
                "\n",
                "try:\n",
                "    import shap\n",
                "    \n",
                "    explainer = shap.TreeExplainer(rf_best)\n",
                "    shap_values = explainer.shap_values(X_test)\n",
                "    \n",
                "    if isinstance(shap_values, list):\n",
                "        shap_importance = np.mean([np.abs(sv).mean(axis=0) for sv in shap_values], axis=0)\n",
                "    else:\n",
                "        shap_importance = np.abs(shap_values).mean(axis=0)\n",
                "    \n",
                "    shap_df = pd.DataFrame({\n",
                "        'Feature': X_train.columns,\n",
                "        'SHAP_Importance': shap_importance\n",
                "    }).sort_values('SHAP_Importance', ascending=False)\n",
                "    \n",
                "    print(f\"Top 15 most important features:\\n\")\n",
                "    print(shap_df.head(15).to_string(index=False))\n",
                "    \n",
                "except ImportError:\n",
                "    print(\"   Note: SHAP library not installed\")\n",
                "    shap_df = None\n",
                "\n",
                "# Visualization: Top 10 features comparison\n",
                "print(\"\\n\\n\" + \"-\"*80)\n",
                "print(\"📈 VISUAL COMPARISON - Top 10 Features\")\n",
                "print(\"-\"*80)\n",
                "\n",
                "fig, axes = plt.subplots(1, 2, figsize=(15, 6))\n",
                "\n",
                "# Built-in importance\n",
                "top_n = 10\n",
                "feature_importance_rf.head(top_n).sort_values('Importance').plot(\n",
                "    x='Feature', y='Importance', kind='barh', ax=axes[0], color='steelblue'\n",
                ")\n",
                "axes[0].set_title('Random Forest - Built-in Feature Importance', fontsize=12, fontweight='bold')\n",
                "axes[0].set_xlabel('Importance Score')\n",
                "\n",
                "# Permutation importance\n",
                "perm_df.head(top_n).sort_values('Importance').plot(\n",
                "    x='Feature', y='Importance', kind='barh', ax=axes[1], color='darkgreen'\n",
                ")\n",
                "axes[1].set_title('Permutation Importance', fontsize=12, fontweight='bold')\n",
                "axes[1].set_xlabel('Importance Score')\n",
                "\n",
                "plt.tight_layout()\n",
                "plt.show()\n",
                "\n",
                "# Class Imbalance Analysis\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"⚖️  CLASS IMBALANCE ANALYSIS & SMOTE\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "print(f\"\\nClass distribution:\")\n",
                "class_counts = y_train.value_counts().sort_index()\n",
                "print(class_counts)\n",
                "\n",
                "class_dist_pct = y_train.value_counts(normalize=True).sort_index() * 100\n",
                "imbalance_ratio = class_counts.max() / class_counts.min()\n",
                "\n",
                "print(f\"\\nPercentages (%): {dict(class_dist_pct.round(1))}\")\n",
                "print(f\"Imbalance ratio: {imbalance_ratio:.2f}x\")\n",
                "\n",
                "if imbalance_ratio > 1.5:\n",
                "    print(\"\\n⚠️  Class imbalance detected - SMOTE will be applied\\n\")\n",
                "    \n",
                "    try:\n",
                "        from imblearn.over_sampling import SMOTE\n",
                "        \n",
                "        # Apply SMOTE (SMOTE does not support n_jobs parameter)\n",
                "        smote = SMOTE(random_state=1907, k_neighbors=5)\n",
                "        X_train_smote, y_train_smote = smote.fit_resample(X_train, y_train)\n",
                "        \n",
                "        print(f\"SMOTE Application:\")\n",
                "        print(f\"  Before: {X_train.shape[0]} samples → {dict(y_train.value_counts().sort_index())}\")\n",
                "        print(f\"  After:  {X_train_smote.shape[0]} samples → {dict(pd.Series(y_train_smote).value_counts().sort_index())}\")\n",
                "        \n",
                "        # Train RF with SMOTE\n",
                "        rf_smote = RandomForestClassifier(**rf_best.get_params())\n",
                "        rf_smote.fit(X_train_smote, y_train_smote)\n",
                "        \n",
                "        rf_smote_pred = rf_smote.predict(X_test)\n",
                "        rf_smote_accuracy = accuracy_score(y_test, rf_smote_pred)\n",
                "        \n",
                "        print(f\"\\nPerformance Comparison:\")\n",
                "        print(f\"  Original RF: {rf_accuracy:.4f}\")\n",
                "        print(f\"  SMOTE RF:    {rf_smote_accuracy:.4f}\")\n",
                "        print(f\"  Difference:  {(rf_smote_accuracy - rf_accuracy)*100:+.2f}%\")\n",
                "        \n",
                "        # Use SMOTE version if better\n",
                "        if rf_smote_accuracy > rf_accuracy:\n",
                "            print(\"\\n✓ SMOTE version shows better performance\")\n",
                "            rf_best = rf_smote\n",
                "            rf_pred = rf_smote_pred\n",
                "            rf_accuracy = rf_smote_accuracy\n",
                "        else:\n",
                "            print(\"\\n✓ Original model is sufficient\")\n",
                "            \n",
                "    except ImportError:\n",
                "        print(\"   Note: imbalanced-learn not installed. Run: pip install imbalanced-learn\")\n",
                "else:\n",
                "    print(\"\\n✓ Class distribution is relatively balanced\")"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "cd11be1c",
            "metadata": {},
            "source": [
                "## 📊 Key Findings & Analysis Summary\n",
                "\n",
                "<div style=\"background: #f5f5f5; padding: 15px; border-radius: 8px; margin: 15px 0; color:DarkCyan;\">\n",
                "<p style=\"colour: #032b29ff\">\n",
                "    <h3 style = \"colour: #050808ff\">✅ What We've Discovered</h3>\n",
                "\n",
                "1. **Feature Engineering Works**\n",
                "   - Advanced features improved RF accuracy by +1.3% (73.4%)\n",
                "   - But confused simpler models (LR down 6.56%)\n",
                "\n",
                "2. **Non-Linear Models Win**\n",
                "   - RF and XGB both outperform Logistic Regression significantly\n",
                "   - Imbalanced classes better handled with tree-based methods\n",
                "\n",
                "3. **Next Step: Ensemble Methods**\n",
                "   - Combine RF + XGBoost strengths via Voting & Stacking\n",
                "   - Expect final accuracy improvement of +2-3%\n",
                "</p>\n",
                "</div>"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "eaf63c00",
            "metadata": {},
            "source": [
                "## 🗳️ Step 4: Voting Ensemble (Soft Voting)\n",
                "\n",
                "<div style=\"background: #fff9c4; padding: 15px; border-radius: 8px; margin: 15px 0; border-left: 5px solid #fbc02d; color:DarkCyan;\">\n",
                "\n",
                "### 🎯 Voting Strategy\n",
                "\n",
                "**Soft Voting**: Average probability predictions from RF + XGBoost\n",
                "- **RF's Strength**: Captures complex non-linear patterns\n",
                "- **XGB's Strength**: Aggressive gradient descent, handles edge cases\n",
                "- **Combined**: Better generalization than individual models\n",
                "\n",
                "**How It Works:**\n",
                "```\n",
                "RF prediction probability (class 0: 0.7, class 1: 0.2, class 2: 0.1)\n",
                "XGB prediction probability (class 0: 0.6, class 1: 0.3, class 2: 0.1)\n",
                "Voting average: (0.65, 0.25, 0.1) → predicts class 0\n",
                "```\n",
                "\n",
                "</div>"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 26,
            "id": "d87778ec",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "Training voting ensemble...\n",
                        "\n",
                        "================================================================================\n",
                        "🗳️ RESULTS - VOTING ENSEMBLE\n",
                        "================================================================================\n",
                        "\n",
                        "Test Performance:\n",
                        "  Accuracy:  0.7380\n",
                        "  Precision: 0.7577\n",
                        "  Recall:    0.7380\n",
                        "  F1-Score:  0.7393\n",
                        "  ROC-AUC:   0.8743\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.60      0.82      0.69       501\n",
                        "           1       0.74      0.80      0.77       832\n",
                        "           2       0.84      0.66      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.74      2500\n",
                        "   macro avg       0.73      0.76      0.73      2500\n",
                        "weighted avg       0.76      0.74      0.74      2500\n",
                        "\n"
                    ]
                }
            ],
            "source": [
                "\n",
                "# Create voting ensemble with soft voting\n",
                "voting_clf = VotingClassifier(\n",
                "    estimators=[\n",
                "        ('rf', rf_best),\n",
                "        ('xgb', xgb_best)\n",
                "    ],\n",
                "    voting='soft',\n",
                "    n_jobs=-1\n",
                ")\n",
                "\n",
                "print(\"\\nTraining voting ensemble...\\n\")\n",
                "voting_clf.fit(X_train, y_train)\n",
                "\n",
                "# Predictions\n",
                "ensemble_pred = voting_clf.predict(X_test)\n",
                "\n",
                "# Evaluation\n",
                "ensemble_accuracy = accuracy_score(y_test, ensemble_pred)\n",
                "ensemble_precision = precision_score(y_test, ensemble_pred, average='weighted', zero_division=0)\n",
                "ensemble_recall = recall_score(y_test, ensemble_pred, average='weighted', zero_division=0)\n",
                "ensemble_f1 = f1_score(y_test, ensemble_pred, average='weighted', zero_division=0)\n",
                "\n",
                "print(\"=\"*80)\n",
                "print(\"🗳️ RESULTS - VOTING ENSEMBLE\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "print(f\"\\nTest Performance:\")\n",
                "print(f\"  Accuracy:  {ensemble_accuracy:.4f}\")\n",
                "print(f\"  Precision: {ensemble_precision:.4f}\")\n",
                "print(f\"  Recall:    {ensemble_recall:.4f}\")\n",
                "print(f\"  F1-Score:  {ensemble_f1:.4f}\")\n",
                "print(f\"  ROC-AUC:   {roc_auc_score(y_test, voting_clf.predict_proba(X_test), multi_class='ovr'):.4f}\\n\")\n",
                "print(classification_report(y_test, ensemble_pred))"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "c1139b1b",
            "metadata": {},
            "source": [
                "## 📚 Step 5: Stacking (Advanced Ensemble)\n",
                "\n",
                "<div style=\"background: #d3fcfaff; padding: 15px; border-radius: 8px; margin: 15px 0; border-left: 5px solid #009688; color:  #111f1eff; \">\n",
                "\n",
                "### 🎯 Stacking Strategy\n",
                "\n",
                "Uses a **meta-learner** to learn optimal combination of base model predictions:\n",
                "\n",
                "- **Base Learners**: Random Forest + XGBoost (trained on training data)\n",
                "- **Meta-Learner**: Logistic Regression (trained on base model predictions)\n",
                "- **CV Strategy**: Stratified K-fold to generate meta-features (prevent overfitting)\n",
                "\n",
                "**Stacking Process:**\n",
                "1. Base models trained on original features\n",
                "2. Base model predictions become new features (meta-features)\n",
                "3. Meta-learner trained on these meta-features\n",
                "4. Final prediction combines both layers\n",
                "\n",
                "**Why Stacking > Voting?**\n",
                "- Voting: simple averaging of predictions\n",
                "- Stacking: learns weighted combination (optimized for this specific dataset)\n",
                "\n",
                "</div>"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "f0510935",
            "metadata": {},
            "source": [
                "### Implementation Details\n",
                "\n",
                "**Step 1: Base Models** - Already trained (RF + XGB on original features)\n",
                "\n",
                "**Step 2: Meta-Features** - CV predictions from base models  \n",
                "- Use K-fold cross-validation to generate training meta-features\n",
                "- Prevents data leakage and improves generalization\n",
                "\n",
                "**Step 3: Meta-Learner** - Logistic Regression on meta-features\n",
                "- Learns optimal weights for RF and XGB predictions\n",
                "- Simple yet effective combination\n",
                "\n"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 27,
            "id": "305b6dab",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "STACKING - META-LEARNER (RF + XGBoost)\n",
                        "================================================================================\n",
                        "\n",
                        "Eğitim başlıyor (CV: 5-fold)...\n",
                        "\n",
                        "================================================================================\n",
                        "SONUÇLAR - STACKING\n",
                        "================================================================================\n",
                        "\n",
                        "Test Performansı:\n",
                        "  Accuracy:  0.7280\n",
                        "  Precision: 0.7368\n",
                        "  Recall:    0.7280\n",
                        "  F1-Score:  0.7292\n",
                        "  ROC-AUC:   0.8750\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.61      0.75      0.67       501\n",
                        "           1       0.74      0.77      0.75       832\n",
                        "           2       0.79      0.69      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.73      2500\n",
                        "   macro avg       0.71      0.74      0.72      2500\n",
                        "weighted avg       0.74      0.73      0.73      2500\n",
                        "\n",
                        "\n",
                        "================================================================================\n",
                        "TÜÜN MODELLERIN KAPSAMLI KARŞILAŞTIRMASI\n",
                        "================================================================================\n",
                        "\n",
                        "\n",
                        "              Model  Accuracy  Precision  Recall  F1-Score\n",
                        "Logistic Regression    0.6540   0.657646  0.6540       N/A\n",
                        "      Random Forest    0.7372   0.762816  0.7372  0.738351\n",
                        "            XGBoost    0.7264   0.732640  0.7264  0.727617\n",
                        "    Voting Ensemble    0.7380   0.757738  0.7380   0.73932\n",
                        "           Stacking    0.7280   0.736835  0.7280   0.72924\n",
                        "\n",
                        "--------------------------------------------------------------------------------\n",
                        "SIRALAMAA (Accuracy'ye göre):\n",
                        "--------------------------------------------------------------------------------\n",
                        "1. Voting Ensemble           0.7380  (+8.40% vs baseline)\n",
                        "2. Random Forest             0.7372  (+8.32% vs baseline)\n",
                        "3. Stacking                  0.7280  (+7.40% vs baseline)\n",
                        "4. XGBoost                   0.7264  (+7.24% vs baseline)\n",
                        "5. Logistic Regression       0.6540  (+0.00% vs baseline)\n",
                        "\n",
                        "✓ EN İYİ MODEL: Voting Ensemble\n",
                        "  Accuracy: 0.7380\n",
                        "  Baseline'a göre iyileşme: +8.40%\n"
                    ]
                }
            ],
            "source": [
                "# Stacking: Meta-learner combining RF and XGBoost\n",
                "\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"STACKING - META-LEARNER (RF + XGBoost)\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "from sklearn.ensemble import StackingClassifier\n",
                "\n",
                "# Base learners\n",
                "base_learners = [\n",
                "    ('rf', rf_best),\n",
                "    ('xgb', xgb_best)\n",
                "]\n",
                "\n",
                "# Meta-learner\n",
                "meta_learner = LogisticRegression(max_iter=1000, random_state=1907)\n",
                "\n",
                "# Stacking classifier\n",
                "stacking_clf = StackingClassifier(\n",
                "    estimators=base_learners,\n",
                "    final_estimator=meta_learner,\n",
                "    cv=optimal_folds\n",
                ")\n",
                "\n",
                "print(f\"\\nEğitim başlıyor (CV: {optimal_folds}-fold)...\\n\")\n",
                "stacking_clf.fit(X_train, y_train)\n",
                "\n",
                "# Predictions\n",
                "stacking_pred = stacking_clf.predict(X_test)\n",
                "\n",
                "# Evaluation\n",
                "stacking_accuracy = accuracy_score(y_test, stacking_pred)\n",
                "stacking_precision = precision_score(y_test, stacking_pred, average='weighted', zero_division=0)\n",
                "stacking_recall = recall_score(y_test, stacking_pred, average='weighted', zero_division=0)\n",
                "stacking_f1 = f1_score(y_test, stacking_pred, average='weighted', zero_division=0)\n",
                "\n",
                "print(\"=\"*80)\n",
                "print(\"SONUÇLAR - STACKING\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "print(f\"\\nTest Performansı:\")\n",
                "print(f\"  Accuracy:  {stacking_accuracy:.4f}\")\n",
                "print(f\"  Precision: {stacking_precision:.4f}\")\n",
                "print(f\"  Recall:    {stacking_recall:.4f}\")\n",
                "print(f\"  F1-Score:  {stacking_f1:.4f}\")\n",
                "print(f\"  ROC-AUC:   {roc_auc_score(y_test, stacking_clf.predict_proba(X_test), multi_class='ovr'):.4f}\\n\")\n",
                "print(classification_report(y_test, stacking_pred))\n",
                "\n",
                "# Final Comprehensive Comparison\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"TÜÜN MODELLERIN KAPSAMLI KARŞILAŞTIRMASI\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "comparison_final = pd.DataFrame({\n",
                "    'Model': [\n",
                "        'Logistic Regression',\n",
                "        'Random Forest',\n",
                "        'XGBoost',\n",
                "        'Voting Ensemble',\n",
                "        'Stacking'\n",
                "    ],\n",
                "    'Accuracy': [\n",
                "        baseline_accuracy,\n",
                "        rf_accuracy,\n",
                "        xgb_accuracy,\n",
                "        ensemble_accuracy,\n",
                "        stacking_accuracy\n",
                "    ],\n",
                "    'Precision': [\n",
                "        baseline_precision,\n",
                "        rf_precision,\n",
                "        xgb_precision,\n",
                "        ensemble_precision,\n",
                "        stacking_precision\n",
                "    ],\n",
                "    'Recall': [\n",
                "        baseline_recall,\n",
                "        rf_recall,\n",
                "        xgb_recall,\n",
                "        ensemble_recall,\n",
                "        stacking_recall\n",
                "    ],\n",
                "    'F1-Score': [\n",
                "        'N/A',\n",
                "        rf_f1,\n",
                "        xgb_f1,\n",
                "        ensemble_f1,\n",
                "        stacking_f1\n",
                "    ]\n",
                "})\n",
                "\n",
                "print(\"\\n\")\n",
                "print(comparison_final.to_string(index=False))\n",
                "\n",
                "# Ranking\n",
                "comparison_sorted = comparison_final.sort_values('Accuracy', ascending=False)\n",
                "print(\"\\n\" + \"-\"*80)\n",
                "print(\"SIRALAMAA (Accuracy'ye göre):\")\n",
                "print(\"-\"*80)\n",
                "for idx, (i, row) in enumerate(comparison_sorted.iterrows(), 1):\n",
                "    improvement = (row['Accuracy'] - baseline_accuracy) * 100\n",
                "    print(f\"{idx}. {row['Model']:<25} {row['Accuracy']:.4f}  ({improvement:+.2f}% vs baseline)\")\n",
                "\n",
                "best_model_name = comparison_sorted.iloc[0]['Model']\n",
                "best_model_acc = comparison_sorted.iloc[0]['Accuracy']\n",
                "\n",
                "print(f\"\\n✓ EN İYİ MODEL: {best_model_name}\")\n",
                "print(f\"  Accuracy: {best_model_acc:.4f}\")\n",
                "print(f\"  Baseline'a göre iyileşme: {(best_model_acc - baseline_accuracy)*100:+.2f}%\")"
            ]
        },
        {
            "cell_type": "code",
            "execution_count": 28,
            "id": "4830bc48",
            "metadata": {},
            "outputs": [
                {
                    "name": "stdout",
                    "output_type": "stream",
                    "text": [
                        "\n",
                        "================================================================================\n",
                        "DETAYLI SINIF METRİKLERİ\n",
                        "================================================================================\n",
                        "\n",
                        "📊 RANDOM FOREST - Sınıf-Bazlı Detaylar\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.59      0.83      0.69       501\n",
                        "           1       0.73      0.81      0.77       832\n",
                        "           2       0.86      0.64      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.74      2500\n",
                        "   macro avg       0.73      0.76      0.73      2500\n",
                        "weighted avg       0.76      0.74      0.74      2500\n",
                        "\n",
                        "\n",
                        "📊 XGBOOST - Sınıf-Bazlı Detaylar\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.62      0.74      0.67       501\n",
                        "           1       0.74      0.75      0.74       832\n",
                        "           2       0.78      0.70      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.73      2500\n",
                        "   macro avg       0.71      0.73      0.72      2500\n",
                        "weighted avg       0.73      0.73      0.73      2500\n",
                        "\n",
                        "\n",
                        "📊 VOTING ENSEMBLE - Sınıf-Bazlı Detaylar\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.60      0.82      0.69       501\n",
                        "           1       0.74      0.80      0.77       832\n",
                        "           2       0.84      0.66      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.74      2500\n",
                        "   macro avg       0.73      0.76      0.73      2500\n",
                        "weighted avg       0.76      0.74      0.74      2500\n",
                        "\n",
                        "\n",
                        "📊 STACKING - Sınıf-Bazlı Detaylar\n",
                        "\n",
                        "              precision    recall  f1-score   support\n",
                        "\n",
                        "           0       0.61      0.75      0.67       501\n",
                        "           1       0.74      0.77      0.75       832\n",
                        "           2       0.79      0.69      0.74      1167\n",
                        "\n",
                        "    accuracy                           0.73      2500\n",
                        "   macro avg       0.71      0.74      0.72      2500\n",
                        "weighted avg       0.74      0.73      0.73      2500\n",
                        "\n",
                        "\n",
                        "================================================================================\n",
                        "İŞLETMEL ANALİZ - Azınlık Sınıf (Düşük Kredi Puanı)\n",
                        "================================================================================\n",
                        "\n",
                        "Minority class recall (Düşük puanlı müşterileri yakalama oranı):\n",
                        "\n",
                        "  Random Forest        82.83%  (415/501 doğru tahmin)\n",
                        "  XGBoost              73.85%  (370/501 doğru tahmin)\n",
                        "  Voting Ensemble      81.84%  (410/501 doğru tahmin)\n",
                        "  Stacking             74.85%  (375/501 doğru tahmin)\n",
                        "\n",
                        "================================================================================\n",
                        "✓ Analiz Tamamlandı\n"
                    ]
                }
            ],
            "source": [
                "# Detailed Metrics and Business Analysis\n",
                "\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"DETAYLI SINIF METRİKLERİ\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "print(\"\\n📊 RANDOM FOREST - Sınıf-Bazlı Detaylar\\n\")\n",
                "print(classification_report(y_test, rf_pred))\n",
                "\n",
                "print(\"\\n📊 XGBOOST - Sınıf-Bazlı Detaylar\\n\")\n",
                "print(classification_report(y_test, xgb_pred))\n",
                "\n",
                "print(\"\\n📊 VOTING ENSEMBLE - Sınıf-Bazlı Detaylar\\n\")\n",
                "print(classification_report(y_test, ensemble_pred))\n",
                "\n",
                "print(\"\\n📊 STACKING - Sınıf-Bazlı Detaylar\\n\")\n",
                "print(classification_report(y_test, stacking_pred))\n",
                "\n",
                "# Business-focused analysis: Minority class recall\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"İŞLETMEL ANALİZ - Azınlık Sınıf (Düşük Kredi Puanı)\")\n",
                "print(\"=\"*80)\n",
                "\n",
                "from sklearn.metrics import confusion_matrix\n",
                "\n",
                "models = {\n",
                "    'Random Forest': rf_pred,\n",
                "    'XGBoost': xgb_pred,\n",
                "    'Voting Ensemble': ensemble_pred,\n",
                "    'Stacking': stacking_pred\n",
                "}\n",
                "\n",
                "print(\"\\nMinority class recall (Düşük puanlı müşterileri yakalama oranı):\\n\")\n",
                "\n",
                "for model_name, predictions in models.items():\n",
                "    cm = confusion_matrix(y_test, predictions)\n",
                "    # Minority class is usually the first one (Poor)\n",
                "    minority_recall = cm[0, 0] / cm[0].sum() if cm[0].sum() > 0 else 0\n",
                "    print(f\"  {model_name:<20} {minority_recall:.2%}  ({cm[0, 0]}/{cm[0].sum()} doğru tahmin)\")\n",
                "\n",
                "print(\"\\n\" + \"=\"*80)\n",
                "print(\"✓ Analiz Tamamlandı\")"
            ]
        },
        {
            "cell_type": "markdown",
            "id": "92870f7e",
            "metadata": {},
            "source": [
                "---\n",
                "\n",
                "# 📋 PHASE 4 - EXECUTIVE SUMMARY & KEY FINDINGS\n",
                "\n",
                "<div style=\"background: linear-gradient(135deg, #667eea 0%, #764ba2 100%); padding: 40px; border-radius: 15px; color: white; margin: 30px 0;\">\n",
                "  <h2 style=\"margin-top: 0; font-size: 28px;\">🎯 Project Summary: Model Optimization Complete</h2>\n",
                "  <p style=\"font-size: 16px; opacity: 0.95;\">Phase 4 has successfully identified the optimal credit score classification model through systematic hyperparameter tuning and ensemble methods.</p>\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "## 📊 KEY FINDINGS & ANALYSIS\n",
                "\n",
                "### 1️⃣ Model Performance Rankings (ACTUAL RESULTS)\n",
                "\n",
                "<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; box-shadow: 0 2px 8px rgba(0,0,0,0.1); color:purple; \">\n",
                "  <thead>\n",
                "    <tr style=\"background: linear-gradient(135deg, #667eea 0%, #764ba2 100%); color: white;\">\n",
                "      <th style=\"padding: 15px; text-align: left; border: 1px solid #ddd;\">🏆 Rank</th>\n",
                "      <th style=\"padding: 15px; text-align: left; border: 1px solid #ddd;\">Model Name</th>\n",
                "      <th style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">Accuracy</th>\n",
                "      <th style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">Precision</th>\n",
                "      <th style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">Recall</th>\n",
                "      <th style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">F1-Score</th>\n",
                "    </tr>\n",
                "  </thead>\n",
                "  <tbody>\n",
                "    <tr style=\"background: #e3f2fd; border: 1px solid #ddd;\">\n",
                "      <td style=\"padding: 15px; font-weight: bold; color: #d32f2f;\">🥇 #1</td>\n",
                "      <td style=\"padding: 15px; font-weight: bold;\">Voting Ensemble (RF + XGB)</td>\n",
                "      <td style=\"padding: 15px; text-align: center; background: #c8e6c9; font-weight: bold;\">73.76%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">75.75%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">73.76%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">73.89%</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #fff3e0; border: 1px solid #ddd;\">\n",
                "      <td style=\"padding: 15px; font-weight: bold; color: #f57c00;\">🥈 #2</td>\n",
                "      <td style=\"padding: 15px; font-weight: bold;\">Random Forest (Optimized)</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">73.64%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">76.17%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">73.64%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">73.75%</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #f3e5f5; border: 1px solid #ddd;\">\n",
                "      <td style=\"padding: 15px; font-weight: bold; color: #7b1fa2;\">🥉 #3</td>\n",
                "      <td style=\"padding: 15px; font-weight: bold;\">Stacking (RF + XGB)</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">72.84%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">73.71%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">72.84%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">72.96%</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #f5f5f5; border: 1px solid #ddd;\">\n",
                "      <td style=\"padding: 15px; font-weight: bold;\">#4</td>\n",
                "      <td style=\"padding: 15px;\">XGBoost (Optimized)</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">72.64%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">73.26%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">72.64%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">72.76%</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #eeeeee; border: 1px solid #ddd;\">\n",
                "      <td style=\"padding: 15px; font-weight: bold;\">#5</td>\n",
                "      <td style=\"padding: 15px;\">Logistic Regression (Baseline)</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">65.44%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">65.81%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">65.44%</td>\n",
                "      <td style=\"padding: 15px; text-align: center;\">65.27%</td>\n",
                "    </tr>\n",
                "  </tbody>\n",
                "</table>\n",
                "\n",
                "**💡 Key Insights:**\n",
                "- **🏆 Winner: Voting Ensemble** with **73.76% accuracy** (+8.32% vs baseline)\n",
                "- **📈 All tree-based models outperform Logistic Regression** by 7-8.3%\n",
                "- **⚖️ Voting Ensemble achieves best balance** of accuracy and generalization\n",
                "- **🎯 Class 2 (Good credit) has highest precision** (84-86%), showing strong confidence in positive predictions\n",
                "- **🚨 Class 0 (Poor credit) minority class recall** is excellent: **82.83% (RF), 81.84% (Voting)**\n",
                "\n",
                "---\n",
                "\n",
                "### 2️⃣ Minority Class Detection (Business Critical)\n",
                "\n",
                "<div style=\"background: #ffebee; padding: 20px; border-radius: 10px; margin: 20px 0; border-left: 5px solid #d32f2f; color:cyan;\">\n",
                "  <h3 style=\"margin-top: 0; color: #b71c1c;\">🚨 Low Credit Score Detection (Class 0)</h3>\n",
                "  \n",
                "  <table style=\"width: 100%; border-collapse: collapse; margin: 15px 0;\">\n",
                "    <tr style=\"background: #ffcdd2;\">\n",
                "      <th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Model</th>\n",
                "      <th style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Recall %</th>\n",
                "      <th style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Correct Detections</th>\n",
                "      <th style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Total Cases</th>\n",
                "      <th style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Missed Cases</th>\n",
                "    </tr>\n",
                "    <tr style=\"background: white;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>🏆 Random Forest</strong></td>\n",
                "      <td style=\"padding: 12px; text-align: center; background: #c8e6c9; font-weight: bold;\">82.83%</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">415</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">501</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">86</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #f5f5f5;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>⭐ Voting Ensemble</strong></td>\n",
                "      <td style=\"padding: 12px; text-align: center; background: #c8e6c9; font-weight: bold;\">81.84%</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">410</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">501</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">91</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: white;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\">XGBoost</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">73.85%</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">370</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">501</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">131</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #f5f5f5;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\">Stacking</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">74.85%</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">375</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">501</td>\n",
                "      <td style=\"padding: 12px; text-align: center;\">126</td>\n",
                "    </tr>\n",
                "  </table>\n",
                "\n",
                "  <p style=\"font-size: 14px; margin-top: 15px; color: #b71c1c;\">\n",
                "    ✓ <strong>Voting Ensemble catches 410/501 high-risk customers (81.84%)</strong> - excellent for risk mitigation\n",
                "  </p>\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "### 3️⃣ Per-Class Performance Breakdown\n",
                "\n",
                "<div style=\"display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 15px; margin: 20px 0;\">\n",
                "  \n",
                "  <div style=\"background: #ffebee; padding: 15px; border-radius: 10px; border-left: 5px solid #d32f2f; color:DarkCyan;\">\n",
                "    <h4 style=\"color: #b71c1c; margin-top: 0;\">❌ Class 0: Poor Credit</h4>\n",
                "    <p style=\"font-size: 13px; margin: 10px 0;\">\n",
                "      <strong>Voting Ensemble:</strong><br>\n",
                "      • Precision: 60% → catches mostly actual risks<br>\n",
                "      • Recall: 82% → catches most high-risk cases<br>\n",
                "      • Support: 501 customers<br>\n",
                "      • Impact: Prevents ~410 defaults\n",
                "    </p>\n",
                "  </div>\n",
                "\n",
                "  <div style=\"background: #f3e5f5; padding: 15px; border-radius: 10px; border-left: 5px solid #7b1fa2; color:DarkCyan;\">\n",
                "    <h4 style=\"color: #4a148c; margin-top: 0;\">⚠️ Class 1: Standard Credit</h4>\n",
                "    <p style=\"font-size: 13px; margin: 10px 0;\">\n",
                "      <strong>Voting Ensemble:</strong><br>\n",
                "      • Precision: 74% → reliable predictions<br>\n",
                "      • Recall: 80% → good coverage<br>\n",
                "      • Support: 832 customers<br>\n",
                "      • Impact: Balanced risk management\n",
                "    </p>\n",
                "  </div>\n",
                "\n",
                "  <div style=\"background: #e8f5e9; padding: 15px; border-radius: 10px; border-left: 5px solid #2e7d32; color:DarkCyan;\">\n",
                "    <h4 style=\"color: #1b5e20; margin-top: 0;\">✅ Class 2: Good Credit</h4>\n",
                "    <p style=\"font-size: 13px; margin: 10px 0;\">\n",
                "      <strong>Voting Ensemble:</strong><br>\n",
                "      • Precision: 84% → very confident<br>\n",
                "      • Recall: 66% → selective approval<br>\n",
                "      • Support: 1,167 customers<br>\n",
                "      • Impact: Approves confident cases\n",
                "    </p>\n",
                "  </div>\n",
                "\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "### 4️⃣ Hyperparameter Optimization Success\n",
                "\n",
                "<div style=\"background: #fff3cd; padding: 20px; border-radius: 10px; margin: 20px 0; border: 2px solid #ff9800; color: orange;\">\n",
                "  <h3 style=\"color: #e65100; margin-top: 0;\">⚙️ Grid Search Results Summary</h3>\n",
                "  \n",
                "  <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n",
                "    <div style=\"background: white; padding: 15px; border-radius: 8px;\">\n",
                "      <h4 style=\"color: #e65100; margin-top: 0;\">🌲 Random Forest</h4>\n",
                "      <ul style=\"font-size: 12px; margin: 10px 0;\">\n",
                "        <li><strong>Combinations tested:</strong> 180 (90 per CV fold × 2 folds)</li>\n",
                "        <li><strong>Best n_estimators:</strong> 500 trees</li>\n",
                "        <li><strong>Best max_depth:</strong> 12 levels</li>\n",
                "        <li><strong>Best min_samples_split:</strong> 10</li>\n",
                "        <li><strong>CV Balanced Accuracy:</strong> 72.15%</li>\n",
                "        <li><strong>Test Accuracy:</strong> 73.64%</li>\n",
                "      </ul>\n",
                "    </div>\n",
                "    <div style=\"background: white; padding: 15px; border-radius: 8px;\">\n",
                "      <h4 style=\"color: #e65100; margin-top: 0;\">⚡ XGBoost</h4>\n",
                "      <ul style=\"font-size: 12px; margin: 10px 0;\">\n",
                "        <li><strong>Combinations tested:</strong> 96 (48 per CV fold × 2 folds)</li>\n",
                "        <li><strong>Best n_estimators:</strong> 400 rounds</li>\n",
                "        <li><strong>Best learning_rate:</strong> 0.10</li>\n",
                "        <li><strong>Best max_depth:</strong> 5 levels</li>\n",
                "        <li><strong>CV Balanced Accuracy:</strong> 71.24%</li>\n",
                "        <li><strong>Test Accuracy:</strong> 72.64%</li>\n",
                "      </ul>\n",
                "    </div>\n",
                "  </div>\n",
                "\n",
                "  <p style=\"font-size: 13px; margin-top: 15px; color: #bf360c;\">\n",
                "    ✓ <strong>Total models evaluated: 276 configurations</strong> with stratified 5-fold cross-validation\n",
                "  </p>\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "### 5️⃣ Ensemble Method Effectiveness\n",
                "\n",
                "<div style=\"background: linear-gradient(135deg, #fff9c4 0%, #fffde7 100%); padding: 20px; border-radius: 10px; margin: 20px 0; border: 2px solid #fbc02d; color:red;\">\n",
                "  <h3 style=\"color: #f57f17; margin-top: 0;\">🗳️ Why Voting Ensemble Wins</h3>\n",
                "  \n",
                "  <table style=\"width: 100%; border-collapse: collapse; margin: 15px 0; background: white;\">\n",
                "    <tr style=\"background: #fff8e1;\">\n",
                "      <th style=\"padding: 12px; text-align: left; border: 1px solid #ddd;\">Metric</th>\n",
                "      <th style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Random Forest</th>\n",
                "      <th style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Voting Ensemble</th>\n",
                "      <th style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Improvement</th>\n",
                "    </tr>\n",
                "    <tr style=\"background: #fffde7;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Accuracy</strong></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">73.64%</td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\"><span style=\"background: #c8e6c9; padding: 5px 10px; border-radius: 5px; font-weight: bold;\">73.76%</span></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">+0.12%</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: white;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Minority Recall</strong></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">82.83%</td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\"><span style=\"background: #c8e6c9; padding: 5px 10px; border-radius: 5px;\">81.84%</span></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">-0.99%</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #fffde7;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Precision</strong></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">76.17%</td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\"><span style=\"background: #c8e6c9; padding: 5px 10px; border-radius: 5px;\">75.75%</span></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">-0.42%</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: white;\">\n",
                "      <td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Macro Avg Recall</strong></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">76%</td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\"><span style=\"background: #c8e6c9; padding: 5px 10px; border-radius: 5px;\">76%</span></td>\n",
                "      <td style=\"padding: 12px; text-align: center; border: 1px solid #ddd;\">Tied</td>\n",
                "    </tr>\n",
                "  </table>\n",
                "\n",
                "  <p style=\"font-size: 13px; margin-top: 15px; background: #f0f4c3; padding: 12px; border-radius: 8px; color: #558b2f;\">\n",
                "    <strong>🎯 Decision:</strong> Voting Ensemble selected for production - combines RF's minority class detection (82.83%) with ensemble robustness and marginally higher overall accuracy (73.76%)\n",
                "  </p>\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "## 🚀 NEXT STEPS - PHASE 5 & PRODUCTION ROADMAP\n",
                "\n",
                "<div style=\"background: linear-gradient(135deg, #4caf50 0%, #66bb6a 100%); padding: 30px; border-radius: 15px; color: white; margin: 30px 0;\">\n",
                "  <h2 style=\"margin-top: 0; font-size: 24px;\">📌 Production Deployment Strategy</h2>\n",
                "</div>\n",
                "\n",
                "### ✅ Immediate Actions (Phase 5)\n",
                "\n",
                "<div style=\"display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 15px; margin: 20px 0; color:DarkCyan;\">\n",
                "  \n",
                "  <div style=\"background: #e8f5e9; padding: 15px; border-radius: 10px; border-left: 5px solid #4caf50;\">\n",
                "    <h4 style=\"color: #2e7d32; margin-top: 0;\">1️⃣ Detailed Evaluation</h4>\n",
                "    <p style=\"font-size: 13px; margin: 10px 0;\">\n",
                "      <strong>Task:</strong> Comprehensive analysis of Voting Ensemble<br>\n",
                "      <strong>Includes:</strong> Confusion matrices, ROC curves, calibration analysis<br>\n",
                "      <strong>Output:</strong> Production readiness report\n",
                "    </p>\n",
                "  </div>\n",
                "\n",
                "  <div style=\"background: #e1f5fe; padding: 15px; border-radius: 10px; border-left: 5px solid #2196f3;\">\n",
                "    <h4 style=\"color: #01579b; margin-top: 0;\">2️⃣ Risk Analysis</h4>\n",
                "    <p style=\"font-size: 13px; margin: 10px 0;\">\n",
                "      <strong>Task:</strong> Quantify false positives & false negatives<br>\n",
                "      <strong>Focus:</strong> Business impact of each error type<br>\n",
                "      <strong>Output:</strong> Decision thresholds & approval rules\n",
                "    </p>\n",
                "  </div>\n",
                "\n",
                "  <div style=\"background: #f3e5f5; padding: 15px; border-radius: 10px; border-left: 5px solid #9c27b0;\">\n",
                "    <h4 style=\"color: #6a1b9a; margin-top: 0;\">3️⃣ Deployment Plan</h4>\n",
                "    <p style=\"font-size: 13px; margin: 10px 0;\">\n",
                "      <strong>Task:</strong> Create production deployment schedule<br>\n",
                "      <strong>Includes:</strong> Testing, validation, gradual rollout<br>\n",
                "      <strong>Output:</strong> Go-live checklist & monitoring setup\n",
                "    </p>\n",
                "  </div>\n",
                "\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "## 📊 Business Impact & ROI\n",
                "\n",
                "<div style=\"background: #f0f4c3; padding: 20px; border-radius: 10px; margin: 20px 0; border: 2px solid #9ccc65;\">\n",
                "  <h3 style=\"color: #558b2f; margin-top: 0;\">💰 Expected Benefits vs Baseline</h3>\n",
                "  \n",
                "  <table style=\"width: 100%; border-collapse: collapse; margin: 15px 0; color:DarkGreen;\">\n",
                "    <tr style=\"background: #558b2f; color: white;\">\n",
                "      <th style=\"padding: 15px; text-align: left; border: 1px solid #ddd;\">Business Metric</th>\n",
                "      <th style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">Current (65.44%)</th>\n",
                "      <th style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">With Voting (73.76%)</th>\n",
                "      <th style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">Improvement</th>\n",
                "    </tr>\n",
                "    <tr style=\"background: white;\">\n",
                "      <td style=\"padding: 15px; border: 1px solid #ddd;\"><strong>🎯 Correct Decisions</strong></td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">3,272 / 5,000</td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\"><span style=\"background: #c8e6c9; padding: 5px 10px; border-radius: 5px;\">3,688 / 5,000</span></td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">+416 correct (+8.3%)</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #f5f5f5;\">\n",
                "      <td style=\"padding: 15px; border: 1px solid #ddd;\"><strong>🚨 High-Risk Detected</strong></td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">~327 cases</td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\"><span style=\"background: #c8e6c9; padding: 5px 10px; border-radius: 5px;\">~410 cases (81.84%)</span></td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">+83 risky customers caught</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: white;\">\n",
                "      <td style=\"padding: 15px; border: 1px solid #ddd;\"><strong>⚠️ False Positives</strong></td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">N/A</td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">~91 / 410</td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">18.16% false alarm rate</td>\n",
                "    </tr>\n",
                "    <tr style=\"background: #f5f5f5;\">\n",
                "      <td style=\"padding: 15px; border: 1px solid #ddd;\"><strong>⏱️ Processing Time</strong></td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">Manual: 2 hours</td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\"><span style=\"background: #c8e6c9; padding: 5px 10px; border-radius: 5px;\">Automated: ~100ms</span></td>\n",
                "      <td style=\"padding: 15px; text-align: center; border: 1px solid #ddd;\">7,200x faster</td>\n",
                "    </tr>\n",
                "  </table>\n",
                "\n",
                "  <p style=\"font-size: 14px; margin-top: 15px; color: #558b2f;\">\n",
                "    ✓ <strong>Annual Impact:</strong> Catch 83 additional high-risk customers per 5,000 applications = significant default reduction\n",
                "  </p>\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "## ✨ Phase 4 Achievements Summary\n",
                "\n",
                "<div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 30px 0;\">\n",
                "  \n",
                "  <div style=\"background: linear-gradient(135deg, #e3f2fd 0%, #bbdefb 100%); padding: 20px; border-radius: 10px; color:DarkCyan;\">\n",
                "    <h3 style=\"color: #01579b; margin-top: 0;\">🎯 Technical Achievements</h3>\n",
                "    <ul style=\"font-size: 14px; margin: 0;\">\n",
                "      <li>✅ <strong>8.32% accuracy improvement</strong> vs baseline (65.44% → 73.76%)</li>\n",
                "      <li>✅ <strong>Voting Ensemble selected</strong> as optimal model</li>\n",
                "      <li>✅ <strong>81.84% minority class recall</strong> - excellent risk detection</li>\n",
                "      <li>✅ <strong>276 model configurations evaluated</strong> with full CV</li>\n",
                "      <li>✅ <strong>SMOTE applied</strong> for class balance (when beneficial)</li>\n",
                "      <li>✅ <strong>All models reproducible</strong> with seed 1907</li>\n",
                "    </ul>\n",
                "  </div>\n",
                "\n",
                "  <div style=\"background: linear-gradient(135deg, #f3e5f5 0%, #e1bee7 100%); padding: 20px; border-radius: 10px;color:DarkCyan;\">\n",
                "    <h3 style=\"color: #4a148c; margin-top: 0;\">💼 Business Readiness</h3>\n",
                "    <ul style=\"font-size: 14px; margin: 0;\">\n",
                "      <li>✅ <strong>Production model identified</strong> with full metrics</li>\n",
                "      <li>✅ <strong>Per-class analysis completed</strong> (3-way classification)</li>\n",
                "      <li>✅ <strong>Risk-benefit quantified</strong> (83 additional catches)</li>\n",
                "      <li>✅ <strong>Decision thresholds documented</strong> for each class</li>\n",
                "      <li>✅ <strong>Deployment strategy defined</strong> with timeline</li>\n",
                "      <li>✅ <strong>Monitoring framework planned</strong> for ongoing performance</li>\n",
                "    </ul>\n",
                "  </div>\n",
                "\n",
                "</div>\n",
                "\n",
                "---\n",
                "\n",
                "<div style=\"background: linear-gradient(135deg, #fff9c4 0%, #fffde7 100%); padding: 25px; border-radius: 10px; margin-top: 30px; text-align: center; border: 3px solid #fbc02d; color:DarkCyan;\">\n",
                "  <h2 style=\"color: #f57f17; margin-top: 0; \">🚀 PHASE 4 COMPLETE ✅</h2>\n",
                "  <p style=\"font-size: 16px; margin: 15px 0; color: #333;\">\n",
                "    <strong>Final Model:</strong> Voting Ensemble (RF + XGBoost)<br>\n",
                "    <strong>Performance:</strong> 73.76% accuracy | 81.84% minority recall | 75.75% precision<br>\n",
                "    <strong>Status:</strong> Ready for Phase 5 Evaluation & Production Deployment<br>\n",
                "    <strong>Next Step:</strong> 05_model_evaluation.ipynb for detailed analysis and go-live preparation\n",
                "  </p>\n",
                "</div>"
            ]
        }
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