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Show target rate/mean by the most important categories. Concepts: Grouped target summaries; segment comparison with counts Project A: Bad rate by checking_account (overdrawn ~49% vs no account ~12%), credit_history, savings, purpose, housing, age band — always print n next to each rate (rare categories have only 9–49 rows). Project B: Mean load by hour of day, day of week, month and holiday vs non-holiday.