X1 Equals 1 if the household comes from the general market (as opposed to group insurance)
X2 Equals 1 if the household has at least one rented car
X3 Equals 1 if the insureds are not married
X4 Equals 1 if the household is with the insurance company for less than 9 years
X5 Equals 1 if the effective date of the insurance contact is between January and July
X6 Equals 1 if the effective date of the insurance contact is in July
X7 Equals 1 if the effective date of the insurance contact is on the first day of a month