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#non-contractual models: Migration Model
#estimate transition rate
data(segltv)
#CADF
a <- split(sltv.masked, sltv.masked$ID)
today <- as.Date("8/31/2005", '%m/%d/%Y') %m+% years(15)
cadf.data <- lapply(a, function(x) CADF::Customer$new(x, today=today))
m.masked <- CADF::CADF_to_migration_model(cadf.data)
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