Model		I	II	III	IV	V	VI
	Data	Unadj.	No.logit	Logit.sex	Logit.age	Logit.smoke	Logit.health
Gamma	Train	0.34679	0.36303	0.36296	0.34594	0.36295	0.39198
	Test	0.34709	0.36427	0.36467	0.34640	0.36421	0.39299
Lognormal	Train	0.36318	0.36682	0.36617	0.36617	0.36700	0.36702
	Test	0.36448	0.36792	0.36713	0.36713	0.36794	0.36812
Poisson	Train	0.02124	0.09830	0.01933	0.01923	0.01903	0.01932
	Test	0.02098	0.09478	0.01904	0.01894	0.01874	0.01903
Neg. bin.	Train	0.02067	0.05566	0.05738	0.06363	0.06048	0.06379
	Test	0.02042	0.05357	0.05489	0.06104	0.05815	0.06152