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List 5 testable hypotheses per project before looking at charts. Concepts: Hypothesis-driven EDA; expected relationships Project A: e.g. Overdrawn checking account β higher bad rate; longer duration and larger amount β higher risk; critical credit history β higher risk; young applicants β higher risk; owning a house β lower risk. Project B: e.g. Demand is higher on weekdays than weekends; demand vs temperature is U-shaped (heating + cooling); evening peak around 20:00β21:00.