accepts <- read.csv( system.file( "extdata", "accepts.csv", package ="autoScorecard" ))
feature <- stats::na.omit( accepts[,c(1,3,7:23)] )
binning_eqfreq1 <- binning_eqfreq( df= feature, feat= 'tot_derog', label = 'bad_ind', nbins = 3)
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