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#' Monotonic binning by quantile
#'
#' The function \code{qtl_bin} implements the quantile-based monotonic binning
#' by the iterative discretization
#'
#' @param x A numeric vector
#' @param y A numeric vector with 0/1 binary values
#'
#' @return A list of binning outcomes, including a numeric vector with cut
#' points and a dataframe with binning summary
#'
#' @examples
#' data(hmeq)
#' qtl_bin(hmeq$DEROG, hmeq$BAD)
qtl_bin <- function(x, y) {
x_ <- x[!is.na(x)]
y_ <- y[!is.na(x)]
n_ <- 2:max(2, min(50, length(unique(x_)) - 1))
p_ <- unique(lapply(n_, function(n) qcut(x_, n)))
l1 <- lapply(p_, function(p) list(cut = p, out = manual_bin(x_, y_, p)))
l2 <- lapply(l1[order(Reduce(c, lapply(l1, function(l) -length(l$cut))))],
function(l) list(cut = l$cut,
minr = min(l$out$bads / l$out$freq),
maxr = max(l$out$bads / l$out$freq),
scor = round(cor(l$out$bin, l$out$bads / l$out$freq, method = "spearman"), 8)))
l3 <- l2[Reduce(c, lapply(l2, function(l) abs(l$scor) == 1 & l$minr > 0 & l$maxr < 1))][[1]]
l4 <- l1[Reduce(c, lapply(l1, function(l) identical(l$cut, l3$cut)))][[1]]$out
return(list(cut = l3$cut, tbl = gen_woe(add_miss(l4, x, y), l3$cut)))
}
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