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insurance.net
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net
{
}
node GoodStudent
{
states = ( "True" "False" );
}
node Age
{
states = ( "Adolescent" "Adult" "Senior" );
}
node SocioEcon
{
states = ( "Prole" "Middle" "UpperMiddle" "Wealthy" );
}
node RiskAversion
{
states = ( "Psychopath" "Adventurous" "Normal" "Cautious" );
}
node VehicleYear
{
states = ( "Current" "Older" );
}
node ThisCarDam
{
states = ( "None" "Mild" "Moderate" "Severe" );
}
node RuggedAuto
{
states = ( "EggShell" "Football" "Tank" );
}
node Accident
{
states = ( "None" "Mild" "Moderate" "Severe" );
}
node MakeModel
{
states = ( "SportsCar" "Economy" "FamilySedan" "Luxury" "SuperLuxury" );
}
node DrivQuality
{
states = ( "Poor" "Normal" "Excellent" );
}
node Mileage
{
states = ( "FiveThou" "TwentyThou" "FiftyThou" "Domino" );
}
node Antilock
{
states = ( "True" "False" );
}
node DrivingSkill
{
states = ( "SubStandard" "Normal" "Expert" );
}
node SeniorTrain
{
states = ( "True" "False" );
}
node ThisCarCost
{
states = ( "Thousand" "TenThou" "HundredThou" "Million" );
}
node Theft
{
states = ( "True" "False" );
}
node CarValue
{
states = ( "FiveThou" "TenThou" "TwentyThou" "FiftyThou" "Million" );
}
node HomeBase
{
states = ( "Secure" "City" "Suburb" "Rural" );
}
node AntiTheft
{
states = ( "True" "False" );
}
node PropCost
{
states = ( "Thousand" "TenThou" "HundredThou" "Million" );
}
node OtherCarCost
{
states = ( "Thousand" "TenThou" "HundredThou" "Million" );
}
node OtherCar
{
states = ( "True" "False" );
}
node MedCost
{
states = ( "Thousand" "TenThou" "HundredThou" "Million" );
}
node Cushioning
{
states = ( "Poor" "Fair" "Good" "Excellent" );
}
node Airbag
{
states = ( "True" "False" );
}
node ILiCost
{
states = ( "Thousand" "TenThou" "HundredThou" "Million" );
}
node DrivHist
{
states = ( "Zero" "One" "Many" );
}
potential ( GoodStudent | SocioEcon Age )
{
data = (((0.1 0.9)(0.0 1.0)(0.0 1.0))((0.2 0.8)(0.0 1.0)(0.0 1.0))((0.5 0.5)(0.0 1.0)(0.0 1.0))((0.4 0.6)(0.0 1.0)(0.0 1.0))) ;
}
potential ( Age )
{
data = ( 0.2 0.6 0.2 );
}
potential ( SocioEcon | Age )
{
data = ((0.40 0.40 0.19 0.01)(0.40 0.40 0.19 0.01)(0.50 0.20 0.29 0.01)) ;
}
potential ( RiskAversion | Age SocioEcon )
{
data = (((0.02 0.58 0.30 0.10)(0.02 0.38 0.50 0.10)(0.02 0.48 0.40 0.10)(0.02 0.58 0.30 0.10))((0.015 0.285 0.500 0.200)(0.015 0.185 0.600 0.200)(0.015 0.285 0.500 0.200)(0.015 0.285 0.400 0.300))((0.01 0.09 0.40 0.50)(0.01 0.04 0.35 0.60)(0.01 0.09 0.40 0.50)(0.01 0.09 0.40 0.50))) ;
}
potential ( VehicleYear | SocioEcon RiskAversion )
{
data = (((0.15 0.85)(0.15 0.85)(0.15 0.85)(0.15 0.85))((0.3 0.7)(0.3 0.7)(0.3 0.7)(0.3 0.7))((0.8 0.2)(0.8 0.2)(0.8 0.2)(0.8 0.2))((0.9 0.1)(0.9 0.1)(0.9 0.1)(0.9 0.1))) ;
}
potential ( ThisCarDam | Accident RuggedAuto )
{
data = (((1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0))((0.001 0.900 0.098 0.001)(0.200000 0.750000 0.049999 0.000001)(0.700000 0.290000 0.009999 0.000001))((0.000001 0.000999 0.700000 0.299000)(0.001 0.099 0.800 0.100)(0.05 0.60 0.30 0.05))((0.000001 0.000009 0.000090 0.999900)(0.000001 0.000999 0.009000 0.990000)(0.05 0.20 0.20 0.55))) ;
}
potential ( RuggedAuto | MakeModel VehicleYear )
{
data = (((0.95 0.04 0.01)(0.95 0.04 0.01))((0.5 0.5 0.0)(0.9 0.1 0.0))((0.2 0.6 0.2)(0.05 0.55 0.40))((0.1 0.6 0.3)(0.1 0.6 0.3))((0.05 0.55 0.40)(0.05 0.55 0.40))) ;
}
potential ( Accident | Antilock Mileage DrivQuality )
{
data = ((((0.70 0.20 0.07 0.03)(0.990 0.007 0.002 0.001)(0.9990 0.0007 0.0002 0.0001))((0.4 0.3 0.2 0.1)(0.980 0.010 0.005 0.005)(0.995 0.003 0.001 0.001))((0.3 0.3 0.2 0.2)(0.970 0.020 0.007 0.003)(0.990 0.007 0.002 0.001))((0.2 0.2 0.3 0.3)(0.95 0.03 0.01 0.01)(0.985 0.010 0.003 0.002)))(((0.6 0.2 0.1 0.1)(0.980 0.010 0.005 0.005)(0.995 0.003 0.001 0.001))((0.3 0.2 0.2 0.3)(0.960 0.020 0.015 0.005)(0.990 0.007 0.002 0.001))((0.2 0.2 0.2 0.4)(0.950 0.030 0.015 0.005)(0.980 0.010 0.005 0.005))((0.1 0.1 0.3 0.5)(0.94 0.03 0.02 0.01)(0.980 0.010 0.007 0.003)))) ;
}
potential ( MakeModel | SocioEcon RiskAversion )
{
data = (((0.1 0.7 0.2 0.0 0.0)(0.1 0.7 0.2 0.0 0.0)(0.1 0.7 0.2 0.0 0.0)(0.1 0.7 0.2 0.0 0.0))((0.15 0.20 0.65 0.00 0.00)(0.15 0.20 0.65 0.00 0.00)(0.15 0.20 0.65 0.00 0.00)(0.15 0.20 0.65 0.00 0.00))((0.20 0.05 0.30 0.45 0.00)(0.20 0.05 0.30 0.45 0.00)(0.20 0.05 0.30 0.45 0.00)(0.20 0.05 0.30 0.45 0.00))((0.30 0.01 0.09 0.40 0.20)(0.30 0.01 0.09 0.40 0.20)(0.30 0.01 0.09 0.40 0.20)(0.30 0.01 0.09 0.40 0.20))) ;
}
potential ( DrivQuality | DrivingSkill RiskAversion )
{
data = (((1.0 0.0 0.0)(1.0 0.0 0.0)(1.0 0.0 0.0)(1.0 0.0 0.0))((0.5 0.2 0.3)(0.3 0.4 0.3)(0.0 1.0 0.0)(0.0 0.8 0.2))((0.3 0.2 0.5)(0.01 0.01 0.98)(0.0 0.0 1.0)(0.0 0.0 1.0))) ;
}
potential ( Mileage )
{
data = ( 0.1 0.4 0.4 0.1 );
}
potential ( Antilock | MakeModel VehicleYear )
{
data = (((0.9 0.1)(0.1 0.9))((0.001 0.999)(0.0 1.0))((0.4 0.6)(0.0 1.0))((0.99 0.01)(0.3 0.7))((0.99 0.01)(0.15 0.85))) ;
}
potential ( DrivingSkill | Age SeniorTrain )
{
data = (((0.50 0.45 0.05)(0.50 0.45 0.05))((0.3 0.6 0.1)(0.3 0.6 0.1))((0.1 0.6 0.3)(0.4 0.5 0.1))) ;
}
potential ( SeniorTrain | Age RiskAversion )
{
data = (((0.0 1.0)(0.0 1.0)(0.0 1.0)(0.0 1.0))((0.0 1.0)(0.0 1.0)(0.0 1.0)(0.0 1.0))((0.000001 0.999999)(0.000001 0.999999)(0.3 0.7)(0.9 0.1))) ;
}
potential ( ThisCarCost | ThisCarDam CarValue Theft )
{
data = ((((0.2 0.8 0.0 0.0)(1.0 0.0 0.0 0.0))((0.05 0.95 0.00 0.00)(1.0 0.0 0.0 0.0))((0.04 0.01 0.95 0.00)(1.0 0.0 0.0 0.0))((0.04 0.01 0.95 0.00)(1.0 0.0 0.0 0.0))((0.04 0.01 0.20 0.75)(1.0 0.0 0.0 0.0)))(((0.15 0.85 0.00 0.00)(0.95 0.05 0.00 0.00))((0.03 0.97 0.00 0.00)(0.95 0.05 0.00 0.00))((0.03 0.02 0.95 0.00)(0.99 0.01 0.00 0.00))((0.03 0.02 0.95 0.00)(0.99 0.01 0.00 0.00))((0.02 0.03 0.25 0.70)(0.98 0.01 0.01 0.00)))(((0.05 0.95 0.00 0.00)(0.25 0.75 0.00 0.00))((0.01 0.99 0.00 0.00)(0.15 0.85 0.00 0.00))((0.001 0.001 0.998 0.000)(0.01 0.01 0.98 0.00))((0.001 0.001 0.998 0.000)(0.005 0.005 0.990 0.000))((0.001 0.001 0.018 0.980)(0.003 0.003 0.044 0.950)))(((0.03 0.97 0.00 0.00)(0.05 0.95 0.00 0.00))((0.000001 0.999999 0.000000 0.000000)(0.01 0.99 0.00 0.00))((0.000001 0.000001 0.999998 0.000000)(0.005 0.005 0.990 0.000))((0.000001 0.000001 0.999998 0.000000)(0.001 0.001 0.998 0.000))((0.000001 0.000001 0.009998 0.990000)(0.000001 0.000001 0.029998 0.970000)))) ;
}
potential ( Theft | AntiTheft HomeBase CarValue )
{
data = ((((0.000001 0.999999)(0.000002 0.999998)(0.000003 0.999997)(0.000002 0.999998)(0.000001 0.999999))((0.0005 0.9995)(0.002 0.998)(0.005 0.995)(0.005 0.995)(0.000001 0.999999))((0.00001 0.99999)(0.0001 0.9999)(0.0003 0.9997)(0.0003 0.9997)(0.000001 0.999999))((0.00001 0.99999)(0.00002 0.99998)(0.00005 0.99995)(0.00005 0.99995)(0.000001 0.999999)))(((0.000001 0.999999)(0.000002 0.999998)(0.000003 0.999997)(0.000002 0.999998)(0.000001 0.999999))((0.001 0.999)(0.005 0.995)(0.01 0.99)(0.01 0.99)(0.000001 0.999999))((0.00001 0.99999)(0.0002 0.9998)(0.0005 0.9995)(0.0005 0.9995)(0.000001 0.999999))((0.00001 0.99999)(0.0001 0.9999)(0.0002 0.9998)(0.0002 0.9998)(0.000001 0.999999)))) ;
}
potential ( CarValue | MakeModel VehicleYear Mileage )
{
data = ((((0.00 0.10 0.80 0.09 0.01)(0.00 0.10 0.80 0.09 0.01)(0.00 0.10 0.80 0.09 0.01)(0.00 0.10 0.80 0.09 0.01))((0.03 0.30 0.60 0.06 0.01)(0.16 0.50 0.30 0.03 0.01)(0.40 0.47 0.10 0.02 0.01)(0.90 0.06 0.02 0.01 0.01)))(((0.1 0.8 0.1 0.0 0.0)(0.1 0.8 0.1 0.0 0.0)(0.1 0.8 0.1 0.0 0.0)(0.1 0.8 0.1 0.0 0.0))((0.25 0.70 0.05 0.00 0.00)(0.7000 0.2999 0.0001 0.0000 0.0000)(0.990000 0.009999 0.000001 0.000000 0.000000)(0.999998 0.000001 0.000001 0.000000 0.000000)))(((0.0 0.1 0.9 0.0 0.0)(0.0 0.1 0.9 0.0 0.0)(0.0 0.1 0.9 0.0 0.0)(0.0 0.1 0.9 0.0 0.0))((0.2 0.3 0.5 0.0 0.0)(0.5 0.3 0.2 0.0 0.0)(0.7 0.2 0.1 0.0 0.0)(0.990000 0.009999 0.000001 0.000000 0.000000)))(((0.0 0.0 0.0 1.0 0.0)(0.0 0.0 0.0 1.0 0.0)(0.0 0.0 0.0 1.0 0.0)(0.0 0.0 0.0 1.0 0.0))((0.01 0.09 0.20 0.70 0.00)(0.05 0.15 0.30 0.50 0.00)(0.1 0.3 0.3 0.3 0.0)(0.2 0.2 0.3 0.3 0.0)))(((0.0 0.0 0.0 0.0 1.0)(0.0 0.0 0.0 0.0 1.0)(0.0 0.0 0.0 0.0 1.0)(0.0 0.0 0.0 0.0 1.0))((0.000001 0.000001 0.000001 0.000001 0.999996)(0.000001 0.000001 0.000001 0.000001 0.999996)(0.000001 0.000001 0.000001 0.000001 0.999996)(0.000001 0.000001 0.000001 0.000001 0.999996)))) ;
}
potential ( HomeBase | RiskAversion SocioEcon )
{
data = (((0.000001 0.800000 0.049999 0.150000)(0.15 0.80 0.04 0.01)(0.35 0.60 0.04 0.01)(0.489999 0.500000 0.000001 0.010000))((0.000001 0.800000 0.050000 0.149999)(0.01 0.25 0.60 0.14)(0.2 0.4 0.3 0.1)(0.950000 0.000001 0.000001 0.049998))((0.000001 0.800000 0.050000 0.149999)(0.299999 0.000001 0.600000 0.100000)(0.500000 0.000001 0.400000 0.099999)(0.850000 0.000001 0.001000 0.148999))((0.000001 0.800000 0.050000 0.149999)(0.950000 0.000001 0.024445 0.025554)(0.999997 0.000001 0.000001 0.000001)(0.999997 0.000001 0.000001 0.000001))) ;
}
potential ( AntiTheft | RiskAversion SocioEcon )
{
data = (((0.000001 0.999999)(0.000001 0.999999)(0.05 0.95)(0.5 0.5))((0.000001 0.999999)(0.000001 0.999999)(0.2 0.8)(0.5 0.5))((0.1 0.9)(0.3 0.7)(0.9 0.1)(0.8 0.2))((0.95 0.05)(0.999999 0.000001)(0.999999 0.000001)(0.999999 0.000001))) ;
}
potential ( PropCost | OtherCarCost ThisCarCost )
{
data = (((0.7 0.3 0.0 0.0)(0.00 0.95 0.05 0.00)(0.00 0.00 0.98 0.02)(0.0 0.0 0.0 1.0))((0.00 0.95 0.05 0.00)(0.0 0.6 0.4 0.0)(0.00 0.00 0.95 0.05)(0.0 0.0 0.0 1.0))((0.00 0.00 0.98 0.02)(0.0 0.0 0.8 0.2)(0.0 0.0 0.6 0.4)(0.0 0.0 0.0 1.0))((0.0 0.0 0.0 1.0)(0.0 0.0 0.0 1.0)(0.0 0.0 0.0 1.0)(0.0 0.0 0.0 1.0))) ;
}
potential ( OtherCarCost | Accident RuggedAuto )
{
data = (((1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0))((0.99000 0.00500 0.00499 0.00001)(9.799657e-01 9.999650e-03 9.984651e-03 4.999825e-05)(0.95000 0.03000 0.01998 0.00002))((0.60000 0.20000 0.19998 0.00002)(0.50000 0.20000 0.29997 0.00003)(0.40000 0.30000 0.29996 0.00004))((0.20000 0.40000 0.39996 0.00004)(0.10000 0.50000 0.39994 0.00006)(0.0050 0.5500 0.4449 0.0001))) ;
}
potential ( OtherCar | SocioEcon )
{
data = ((0.5 0.5)(0.8 0.2)(0.9 0.1)(0.95 0.05)) ;
}
potential ( MedCost | Accident Age Cushioning )
{
data = ((((1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0))((1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0))((1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)(1.0 0.0 0.0 0.0)))(((0.960 0.030 0.009 0.001)(0.9800 0.0190 0.0009 0.0001)(0.99000 0.00990 0.00009 0.00001)(0.999000 0.000990 0.000009 0.000001))((0.960 0.030 0.009 0.001)(0.9800 0.0190 0.0009 0.0001)(0.99000 0.00990 0.00009 0.00001)(0.999000 0.000990 0.000009 0.000001))((0.90 0.07 0.02 0.01)(0.950 0.040 0.007 0.003)(0.970 0.025 0.003 0.002)(0.990 0.007 0.002 0.001)))(((0.5 0.2 0.2 0.1)(0.80 0.15 0.03 0.02)(0.95 0.02 0.02 0.01)(0.990 0.007 0.002 0.001))((0.5 0.2 0.2 0.1)(0.80 0.15 0.03 0.02)(0.95 0.02 0.02 0.01)(0.990 0.007 0.002 0.001))((0.3 0.3 0.2 0.2)(0.5 0.2 0.2 0.1)(0.90 0.07 0.02 0.01)(0.95 0.03 0.01 0.01)))(((0.3 0.3 0.2 0.2)(0.5 0.2 0.2 0.1)(0.90 0.07 0.02 0.01)(0.95 0.03 0.01 0.01))((0.3 0.3 0.2 0.2)(0.5 0.2 0.2 0.1)(0.90 0.07 0.02 0.01)(0.95 0.03 0.01 0.01))((0.2 0.2 0.3 0.3)(0.3 0.3 0.2 0.2)(0.60 0.30 0.07 0.03)(0.90 0.05 0.03 0.02)))) ;
}
potential ( Cushioning | RuggedAuto Airbag )
{
data = (((0.5 0.3 0.2 0.0)(0.7 0.3 0.0 0.0))((0.0 0.1 0.6 0.3)(0.1 0.6 0.3 0.0))((0.0 0.0 0.0 1.0)(0.0 0.0 0.7 0.3))) ;
}
potential ( Airbag | MakeModel VehicleYear )
{
data = (((1.0 0.0)(0.1 0.9))((1.0 0.0)(0.05 0.95))((1.0 0.0)(0.2 0.8))((1.0 0.0)(0.6 0.4))((1.0 0.0)(0.1 0.9))) ;
}
potential ( ILiCost | Accident )
{
data = ((1.0 0.0 0.0 0.0)(0.999000 0.000998 0.000001 0.000001)(0.90 0.05 0.03 0.02)(0.80 0.10 0.06 0.04)) ;
}
potential ( DrivHist | DrivingSkill RiskAversion )
{
data = (((0.001 0.004 0.995)(0.002 0.008 0.990)(0.03 0.15 0.82)(0.3 0.3 0.4))((0.1 0.3 0.6)(0.5 0.3 0.2)(0.90 0.07 0.03)(0.95 0.04 0.01))((0.3 0.3 0.4)(0.6 0.3 0.1)(0.990000 0.009999 0.000001)(0.999998 0.000001 0.000001))) ;
}