12th National Convention on Statistics (NCS) EDSA Shangri-La Hotel, Mandaluyong City October 1-2, 2013 1SEC 2012: THE NEW PHILIPPINE SOCIOECONOMIC CLASSIFICATION SYSTEM by Lisa Grace S. Bersales, Nicco de Jesus, Luzviminda Barra, Judy Mercado, Beatrice Gobencion and Michael Daniel Lucagbo For additional information, please contact: uthor’s name Designation Affiliation Address Tel. no. E-mail : : : : : : Lisa Grace S. Bersales Professor and Vice President for Planning and Finance University of the Philippines University of the Philippines, Magsaysay Ave., Diliman, Quezon City +632-9282866 [email protected] uthor’s name Designation Affiliation : : : Address Tel. no. E-mail : : : Nicco de Jesus Chairman Research Committee, Marketing and Opinion Research Society of the Philippines (MORES) Unit 31 Martino Building #52 Libertad Corner Kanlaon, Mandaluyong City +632-533 6653 [email protected] uthor’s name Designation Affiliation Address Tel. no. E-mail : : : : : : Luzviminda Barra Commercial Director TNS Philippines uthor’s name Designation Affiliation Address Tel. no. E-mail : : : : : : Judy Mercado uthor’s name Designation Affiliation Address Tel. no. E-mail : : : : : : Beatrice Gobencion uthor’s name Designation Affiliation Address Tel. no. E-mail : : : : : : Judy Mercado 1SEC 2012: THE NEW PHILIPPINE SOCIOECONOMIC CLASSIFICATION by Lisa Grace S. Bersales, Nicco de Jesus, Luz Barra, Judy Mercado, Beatrice Gobencion, and Michael Daniel Lucagbo ABSTRACT Research professionals from the Marketing and Opinion Research Society of the Philippines (MORES) endorsed in 2012 the use of 1SEC, a new marketing segmentation system for Filipino households. MORES, in collaboration with the National Statistics Office and the U.P. School of Statistics, started in 2010, the development of a single socioeconomic classification for use by all market research agencies. The result is 1SEC which includes the following: (1) nine socioeconomic clusters constructed using hierarchical and non-hierarchical cluster analyses; (2) a list of determinants of the socioeconomic clusters households developed using ordered logistic regression models; and, (3) an instrument for use in the field to determine a household’s socioeconomic classification. 1SEC has 9 SEC household groupings based on expenditure pattern of the households provided by data on the 36,000+ households of the 2009 Family Income and Expenditure Survey (FIES). The least spending households are grouped under Cluster 1 while the highest spending households fall under Cluster 9. Forty five percent (45% ) of Philippine households belong to the three least spending household groups (i.e. Cluster 1-3) while only 20% belong to the top 3.Socioeconomic distributions by urban/rural and by region were also constructed. Ordered logistic regression modeling produced significant determinants grouped as follows:(1) Quality of consumers in the household (e.g. number of employed members, level of education, etc);(2) Number of selected energy-using facilities owned (e.g. TV, microwave oven, computers);(3) Urban and regional membership;(4) Transport type ownership;(5) Water source type; (6) Connectivity (or number of phones);(7) Living Space Assets (e.g. number of sala sets);(8) Living Shell (i.e. type of wall and type of roof);and,(9) Tenure of Home (i.e. whether house is owned or rented). An instrument to classify a household into the SEC was developed using the results of the ordered logistic regression. It is referred to as the 1SEC instrument. The 1SEC instrument has been made available to all MORES members and research agencies with members under MORES for validation. Keywords: 1SEC, MORES, hierarchical cluster analysis, non-hierarchical cluster analysis, ordered logistic regression I. Historical Background The Socioeconomic Classification (SEC) of households in the Philippines was first brought up in 1980 when the six-year old Marketing and Opinion Research Society(MORES) came out with a guide in 1980. A more formal approach was proposed by Mr. Tony Concepcion in 1983 in a presentation made with the San Miguel Corporation. From 1984 to 1986, consultations and presentations ensued from both research agencies and research clients (primarily marketing research departments of corporate entities). In 1986, Dr. Eduardo “Ned” Roberto published “The Validity of the SEC of the Philippine Markets”. In 1990, then National Statistics Office (NSO) head Butch Africa was asked to deliver a talk on Income Classification upon the invitation of then MORES President Mahar Mangahas. In 1991, a Unified MORES Guidelines for SEC Households was adopted after a committee consisting of Mercy Abad, Dennis Arroyo, Ime Balquin, Azucena Barredo, Rosanna Callero, Antonio Concepcion, Menchu Esteban, Purita Gamboa, Rosario Henares, Carmen Lim, Mahar Mangahas, Alice Pascual , Agnes Tayao, and Sally Zaballa endorsed it. However, not all members adopted the guidelines. In 1999, MORES President Bienvenido Niles, Jr. and then Darrah Estrada asked Dr. Ned Roberto to conduct another study. In 1991, the market research industry adopted the five SEC tiers: AB, C1, C2, D, and E. Three sets of SEC variables were adopted to classify households, namely, Home Appearance, Household Head’s educational attainment, and Home facilities. Using a 5-point scale in rating each variable, households were classified along agreed tier system: AB- 30-35 points, C1-2529 points, C2-20-24 points, D- 15-19 points, and E – 7-14 points. Unfortunately, not all members carried out the standardization scheme given that many agencies by this time had in-house or mother company standards to follow. The mandate in 1991 was to use the unified standard and for research houses to compare with other country experiences. Only the Philippine Survey and Research Center (PSRC) followed the industry mandate. Sofres, Asia Research Organization (ARO), AC Nielsen, and Trends MBL followed in-house standards. In 1999, the SEC standardization issue was again taken on by a new team led by Dr. Ned Roberto. This team included Sharon Moyano, Jenny Intac, Nennette Natividiad, Belen Quiambao and assistance from the University of the Philippines School of Statistics. The objective of the research team was to find out the discriminating power of the 5-class system across tiers and to find out if the number of SEC classes plays an important role in classifying efficacy. Using the Wilks Lambda statistics and the two-group discriminant function the team had basically two conclusions: First, the most correct classification came from extreme ends (ie. Class A vs Class E) and the least correct classification arose from adjacent tiers. Secondly, the number of SEC classes plays no significant determining role in classifying efficacy. The team also found out that income was the most significantly discriminating across SEC classes and was also the most temporally stable. The 1999 team recommended integrating approaches such as the SWS Self-Perception of Class Belonging. It also recommended exploring how to work with the National Statistics Office (then the NCSO), in getting respondent’s estimation of household income and expenditure. In 2004, at the 7th National MORES Congress, a new study was presented that pointed to use a new integrated instrument. A comparison of the 2004 and the 1999 findings shows that while indicators for SEC prediction would vary depending on the times, there are recurring commonalities and themes in developing an SEC instrument. These are: a) Need for parsimony; b) Predictive power is strongest for the extremes (e.g. A vs E); c) Qualitative variables more than facility ownership tend to be better predictors for middle class; d) Determinants’ tendency to change over time due to technological assimilation, economic progress, lifestyle change (e.g. airconditioners, mobile phones, etc used to be significant determinants). As Philippine marketing research industry successfully self-organized into a mature professional organization in the 1980s, marketing research agencies entered the 1990s where marketers of fast moving consumer goods (FMCG) faced stiffer competition from an increasingly liberalized market. Marketers needed the option of exploring alternative research approaches and service offers to sustain competitiveness in the market. The only hitch was that the marketing ‘scoreboard’ so to speak, were still not comparable. In the meantime, local research agencies were also increasingly adhering to in-house standards with global and regional alignments still inane of the evolving need for SEC classification. On the government side, the National Statistics Office (NSO) was also evolving after organizational changes from the previous NCSO set-up. Lastly, academe was largely perceived as a last resort consulting resource tapped only for one-off projects. II. Objective Of The Study In 2010, the new MORES leadership has decided to take a fresh and inclusive approach in putting in place the best possible SEC system. A two-year program aims to develop a harmonized socioeconomic classification system, now called 1SEC, for use by the marker research industry. The advantages of 1SEC are listed below: Eventually, the system envisaged is a proactive collaboration between professional research agencies (MORES), the academe, and the government’s statistical administration (NSO). Recognizing the need to keep abreast with internationally accepted best practices, the team also envisions linking up with the World Society for Opinion and Marketing Research (ESOMAR). With the long view in mind set, a Memorandum of Agreement was forged between the MORES, the National Statistics Office, and Dr. Lisa Grace Bersales. The NSO under Ms Carmelita Ericta agreed to have the Family Income and Expenditure Survey (FIES) of 2009 used. Technical assistance was lent to the team in accessing the data. Figure 1 below provides this chronology of the SEC studies. Source: Various documents, MORES Minutes of Meetings, Interviews with Dr. Ned Roberto, Mr. Nonoy Niles, RJ Esteban, Mercy Abad Figure 1. Chronology of MORES studies on Socioeconomic Classification III. Other Socioeconomic Classifications A more inclusive search of literature meant looking into the backyards of other markets such as India, the United Kingdom, Sweden, and some comparative studies organized by ESOMAR (then the European Society of Marketing Research). Briefly, India now acknowledges there are 12 SEC segments in both urban and rural areas. What is impressive is that India has come up with the most parsimonious instrument so far having only three (3) questions to classify SEC households. These are: Land Ownership, facilities ownership, and educational attainment. The new Indian SEC segments were found to be homogenous. It was discriminatory compared to the old system. It does not use occupation which was associated with subjective answers. It was not time consuming and easy to answer. However, the Indian system acknowledges the need to review instrument every two years with the changes in “consumer durables” penetration expected to change faster than education or occupation. It also needs to review and make the questions less intrusive to people who are unaccustomed to market research. Source: Market Research Society of India, 2011 Figure 2. The INDIAN SEC DISTRIBUTION, 2011 The United Kingdom1, as with the Sweden2 and most industrialized countries, has the benefit of a comprehensive occupation-based classification system of the economic head of the household. As more and more economies become closely knit, classification standards become of paramount importance. This includes the SEC. In Europe, SEC is among the many harmonization initiatives unfurling under the ESEC , or the European Socio-economic Classification (ESeC) project3. Inspired by Goldthorpe’s theoretical framework, it focuses on employment relations. It is based on the International Standard Classification of Occupations (ISCO). The ESEC however has been influenced by the United Kingdom. Both professional statisticians and academics have voiced criticisms of the project in recent years. Because of these developments, the future of the French classification of occupations and socio-occupational categories (PCS) needs to be reconsidered in a new light. The ESEC is being developed under a consortium of academics from various universities4. In dynamic Asian regions, the Philippines will be seeing economic integration starting soon. 1 The National StatisticsSocio-economic Classification User Manual. Office for National Statistics. National Statistics. 2005 edition Published in Reports on Statistical Co-ordination 1982:4, Statistics Sweden 3 Brousse, Cecile. ESeC: the European Union’s Socio-economic Classification Project. Courrier des statistiques, English series no. 15, 2009 4 The consortium was formed in response to an invitation to tender from the European Commission’s Directorate-General for Research in 2004. 2 Before it does, there is an urgent need to exploit untapped benefits of a synergistic collaboration of knowledge economy sector namely: Research agencies, marketers, a proactive and integrated government statistical system, a progressive academe, and technologists. Important results of the review of past MORES and other studies highlight the following considerations used by the study discussed in this paper. Table 1. Highlights of past studies on SEC IV. Methodology Using FIES 2009, various combinations of segmentation were employed using cluster analysis. Total household income only, total household expenditure only, and a combination of total household income and total household expenditure were employed as cluster analysis drivers. Non-hierarchical cluster analysis was first done to produce initial clusters and hierarchical cluster analysis was done to produce 12-cluster down to 5-cluster segments. The team finally decided on the 9-cluster segments since the 10 to 12 clusters produced upper SEC segments with percentages lower than 1% while 5 to 8 clusters provided segments considered too granular. Expenditure-based clusters were finally selected since the goal of the SEC study is to form clusters that capture households’ consumption patterns. The ordered logistic model was used in determining significant variables available in FIES to predict a household’s cluster. Several models were developed using different levels of disaggregation ( e.g.,from total expenses on food down to expenses on meat) to transforming quantitative variables to bivariate variables ( e.g., from expenses in LPG (in pesos) to whether LPG was used for fuel or not ). Other variables include demographic characteristics of the household, the household head, and the spouse. Proxy variables for energy were arrived at by using a national energy consumption rate per facility. Steps like this were useful in translating expenditure variables (e.g. power consumption of the household) into discrete count data (e.g. number of facilities owned). The final choice of variables retained in the model considered both statistical significance and feasibility for field use. The latter is the reason for transforming quantitative variables to bivariate variables. The MORES 1SEC team (from PSRC, TNS/Kantar, Nielsen) provided guidance in determining feasibility of use in the field. All in all, after one and half years’ worth of trial and error, an instrument prototype was arrived at that can be asked below 10 minutes per household. This was significant considering the best MORES instrument in 2004 can be asked between 1 and 1.5 hours. A more precise instrument based on the ordered logistic regression modeling of quantitative variables only may be developed. This is how the University of the Philippines developed a similar instrument for the reforms it is developing for its Socialized Tuition Fee Assistance Program (STFAP). The final instrument was first presented to the industry on July 4, 2012 in the event of the MORES National Congress held in Plantation Bay, Cebu. To finally validate claims that the instrument can be operationalized on field, MORES members were enjoined to adopt the 1SEC instrument and give feedback for comparison purposes. A formal validation project is being pursued by the 1SEC team with the generous support of major research houses. This is targeted to be launched this year. V. Results There are 9 SEC household groupings which tend to spend in the same way based on the 36,000+ households included in the 2009 Family Income and Expenditure Survey (FIES). The least spending households are grouped under Cluster 1 while the highest spending households fall under Cluster 9. (For practical purposes, MORES is adopting number labels instead of letter labels to minimize association with previous SEC segments (i.e. A, B, C1, C2, D, E). As Figure 3. 1SEC Pyramid, Total Philippines shown in Figure 1, about 45% of Philippine homes belong to the three least spending household groups (i.e. Cluster 1-3) while only about 20% belong to the top 3 spending household groups. Figure 3 shows the 1SEC pyramid by SEC. Figure 4, on the other hand, shows the percentage allocation. Figure 4. Distribution of Philippine Households by 1SEC Clusters Socioeconomic distributions by region were also constructed. It is noted that NCR has an inverted pyramid, different from the picture for other regions. Regions Philippines National Capital Region North Central Luzon South Luzon, Bicol Visayas Mindanao 295 18,166 237 317 303 212 1 SEC CLUSTER PYRAMID POPULATION DENSITY, Pop Per Sq Km Figure 5. Regional 1SEC Pyramids The MORES 1SEC allows a granular examination of the how households are spread in urban and rural areas. Interestingly, the middle class is uniformly distributed across segments in the urban areas. Practically, all of the highest spending homes are also in urban areas. As shown in the figure below. Figure 6. 1SEC Pyramids by Urban-Rural Disaggregation A combined pyramid chart below in Figure 6 shows that after 1SEC cluster No. 3, urban areas are concentrated in urban areas. In contrast, households falling under 1SEC cluster 4, that is Clusters 1, 2, 3 are concentrated in rural areas. The Philippines can be mapped in terms of urban-rural SECs as the figure shows below. With a high population density in NCR, the Philippines could be one of the countries which has put most of the golden eggs in just one basket – so to speak. On the other hand, economic planners, industrialists, and infrastructure services entities might find opportunities in grooming the next mega centers as NCR saturates itself beyond what the region can bear. Figure 6. 1SEC Pyramids by Region and by Urban-Rural disaggregation As the world witnesses the rapid shift of rapid economic growth from West to East, all the more interest in measuring the up and rising segments from the middle class. Ordered logistic regression modeling produced significant determinants grouped as follows:(1) Quality of consumers in the household (e.g. number of employed members, level of education, etc);(2) Number of selected energy-using facilities owned (e.g. TV, microwave oven, computers);(3) Urban and regional membership;(4) Transport type ownership;(5) Water source type; (6) Connectivity (or number of phones);(7) Living Space Assets (e.g. number of sala sets);(8) Living Shell (i.e. type of wall and type of roof);and,(9) Tenure of Home (i.e. whether house is owned or rented). The following graphical illustration, Figure 7, shows the determinants and Annex 1 provides the 1SEC instrument. Using the 9 variable groups, 25 items were used in the instrument. Figure 7. Significant Determinants of 1SEC The ordered logistic regression has the following hit rates in predicting 1SEC clusters of households. These hit rates are the percentage of correctly classified households: TRUE CLUSTER PREDICTED CLUSTER 1 2 3 4 5 6 7 8 9 1 1423 69.52 1562 28.57 686 9.15 124 2.77 52 1.25 11 513 25.06 2134 39.03 1881 25.09 524 11.7 213 5.11 64 90 4.4 1179 21.56 2164 28.86 987 22.04 526 12.62 167 16 0.78 406 7.43 1435 19.14 940 20.99 697 16.73 290 4 0.2 146 2.67 925 12.34 1053 23.51 1077 25.85 623 1 0.05 39 0.71 311 4.15 587 13.11 885 21.24 769 0 0 2 0.04 81 1.08 207 4.62 507 12.17 716 0 0 0 0 14 0.19 56 1.25 202 4.85 427 0 0 0 0 0 0 1 0.02 8 0.19 36 2 3 4 5 6 Total 2047 5468 7497 4479 4167 3103 0.35 3 0.1 0 0 0 0 4003 7 8 9 Total 2.06 16 0.55 4 0.16 1 0.11 5612 5.38 65 2.24 19 0.74 2 0.22 5496 9.35 149 5.14 33 1.29 1 0.11 4142 20.08 344 11.86 104 4.06 5 0.55 4228 24.78 568 19.58 229 8.94 16 1.75 3310 23.07 783 26.99 464 18.12 45 4.92 2610 13.76 834 28.75 1070 41.78 196 21.42 2494 1.16 139 4.79 638 24.91 649 70.93 1243 2901 2561 915 33138 The MORES 1SEC offers a glimpse into the distribution characteristics between countries like India and the Philippines. Table 2. SEC Systems: India and the Philippines. India SEC A1 A2 A3 B1 B2 C1 C2 D1 D2 E1 E2 E3 % 0.5 1.8 3.0 4.0 5.1 7.0 7.2 11.4 15.1 19.5 15.8 9.6 Philippines SEC % 9 2.8 8 7.7 7 8.8 6 9.4 5 12.6 4 13.5 3 22.6 2 16.5 1 6.1 Total 100.0 Total 100.0 Source: Indian Marketing Research Society and Marketing and Opinion Research Society of the Philippines Social scientists as well as marketers on the look out for new segments to sell their products and services are in a better position to analyze opportunities using the Gini ratio. The GINI ratio distribution of some indicators for 1SEC in Figure 8 shows that ownership of vehicles and appliances such as microwave oven, airconditioner, computer are the most discriminating between the rich and the poor. Meals our of the home, purchase of books and admission tickets for shows are also provided in the computation of the Gini indicator even if these were not significant in the modeling. Figure 8. Gini Ratios for Selected Indicators VI. Next Steps The MORES 1SEC Project is a multi-sector system-wide initiative that aims to harmonize classification standards across marketing research houses. It is not a one-off project. The next stage in building the system involves listing operational standards in implementing the 1SEC instrument on field. This stage is projected to be started in the fourth quarter and hopefully done by yearend in time for operational endorsement next year. MORES is formalizing longer term working agreements with the National Statistics Office (NSO) and the University of the Philippines to sustain the momentum gained in the past two years. This comes at a fortuitous time when the Family Income and Expenditure (FIES) will soon be an annual product of the As it closely works with the newly integrated Philippine Statistical Administration (PSA) where the FIES will be run annually, the MORES hopes to establish closer working ties with the statistical system and academe in sharpening the 1SEC model and its corresponding instruments (the current one being Version 1.0). Already, the MORES has formally invited NSO to send an official representative to the MORES Research Committee. MORES also hopes to fast-track working with the statistical academic circles. MORES lastly hopes to integrate with the international research standards (foremost of which is ESOMAR5) closer in order to be globally attuned to best practices. Phase 4 ,the validation of 1SEC instrument, is currently being done. Talks with major market research agencies to fund a customized validation study have been done. This study will measure operational and practical implications of following implementing the 1SEC instrument. It consists of at least a sample size of 2,000 to measure how well the instrument works in nine (9) regional groups in urban and rural Philippines. Target implementation period is October 2013. Down the road, the MORES 1SEC team hopes to see a more formal collaboration that will accelerate community sharing of knowledge and technology resources related to HARMONIZED METRICS, the first of which is the 1SEC instrument. This collaboration should enable more harmonization projects across MORES-Academe-Government- and International sectors such as the ESOMAR. 5 World Association for Opinion and Marketing Research Annex 1 MORES 1SEC Instrument Location/ Distict Name of Respondent Address Between Landline # Spot/ Precinct No Sex Age And Cellphone # Office # PROJECT NAME: _____________________ Q1 Length of Interview : Start AREA Miindanao 0 Visayas South Luzon North/Central Luzon Bicol Metro Manila 1 3 2 1 7 to End LAUNDRY SERV (p 4 wks) Not paid for laundry Paid for laundry 0 4 0 Urban 2 TOTAL HHOLD MEMBERS EMPLOYED (in p 6 months) HHOLD TYPE Extended/ w/ non-related families/persons Single/Nuclear HHOLD HEAD CIVIL STATUS Married HW EMPLOYMENT STATUS Not employed Employed (full/part-time)/selfemployed HHold Member Currently Enrolled in PRIVATE School None Has 0 4 HHEAD WORK SECTOR No job Agri/fishery 0 1 HIRED SCHOOL TRANSPORT (p 4 wks) Not paid for school transport Paid for school transport 0 3 Trade (stores), Eatery Others 2 3 Not (single/separated/ widowed/divorced) HHEAD EDUCT’L ATTAINMENT No schooling Elementary High school Voct’l (Tech course)/ College undergraduate College graduate Graduate (MBA)degree holder VEHCLE OWNERSHIP # of cars # of jeep/ motorcycles/tricycles 3 1 2 3 0 5 _____ 1 1 Any HHold Member TRAVELED by Plane; paid by self or HHold ( p 4 wks) None Has LOCALE Rural MAIN WATER SOURCE Others (dug well, stream, rain, peddler, etc) Shared Own use HHEAD OCCUPAT’L STATUS No job Financial Assistance from Abroad in p 12 months None Has 0 2 # of DURABLES/FACILITIES OWNED Stereo/CD TV VHS/VCD/DVD/VTR Refrigerator/freezer _____ _____ _____ _____ Others Mgrs, supervisors, gov’t officials, corp execs 0 2 0 1 2 3 0 2 3 4 Washing machine _____ 6 10 Aircon Computer/laptop Phones (landline & mobile) Sala Set/Sofa _____ _____ _____ FUEL TYPES for COOKING Not use any below Wood Charcoal LPG 0 1 1 4 DOMESTIC SERV (p 4 wks) No helper/boy/driver Has paid helper/boy 0 7 TOILET FACILITY None Others (pail system, etc) Open-pit Closed-pit Water-sealed (with flush) _____ _____ 0 3 1 2 4 HOUSE OWNERSHIP Not own Own 1 2 # of Senior Citizens 60 years and above HOUSE TYPE (observation) Single detached Duplex Apartment/townhouse/condo Others _____ 0 0 2 0 ROOF TYPE (observation) Salvaged/makeshift materials Mixed but predominantly salvaged materials Light materials (cogon, nipa, anahaw) Mixed but predominantly light materials Mixed but predominantly strong materials Strong materials (galvanized, iron, all) OUTER WALL TYPE (observation) Salvaged/makeshift materials Mixed but predominantly salvaged materials Light materials (cogon, nipa, anahaw) Mixed but predominantly light materials Mixed but predominantly strong materials Strong materials (galvanized, iron, all) 0 1 2 2 3 4 0 1 2 2 3 4 For DURABLES: (for each of the durables, we are asked to get the # and there is a multiplier for each to get the total score. Area Locale House type # HH mem employed HHold type HHead civil status HHead Educt’n Vehicle ownership # of cars # of jeep/ moto/rtricycles X 4 x x 4 2 # of durables owned Stereo/CD TV VHS/VCD/DVD/VTR Ref/freezer Washing machine Aircon Computer/laptop Phones Sala Set/Sofa X x x Sub-total Fuel types Domestic services Laundry services HHold member plane travel HHold member enrolled Hired school transport Financial assistance abroad Sub-total x 2 x 4 x 2 2 2 2 Sub-total Toilet facility Main water source HW employment HHead work sector HHead occupation House Ownership # Senior Citizen House Type Roof type Outer wall - 2 Sub-total GRAND TOTAL Cluster 1 (23 and below) Cluster 2 (24 - 29) Cluster 3 (30 - 34) Cluster 4 (35 – 38) Cluster 5 (39 – 43) Cluster 6 (44 – 48) Cluster 7 (49 – 54) Cluster 8 (55 - 66) 1 2 3 4 5 6 7 8 Cluster 9 (67 and above) 9
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