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> You can show with cross-validation and test set performance that your model using these variables generalizes (around 0.80 ROC AUC).

It shows only that given set of variables (observable and inferred) could be used to build a model. The given data set is not descriptive, because it does not contain more relevant hidden variables, so any predictions or inferences based on this data set are nothing but a story, a myth made from statistics and data.




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