accepts <- read.csv( system.file( "extdata", "accepts.csv" , package = "autoScorecard" ))
feature <- stats::na.omit( accepts[,c(1,3,7:23)] )
binning_eqwid1 <- binning_eqwid( df = feature, feat = 'tot_derog', label = 'bad_ind', nbins = 3 )
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