The evaluation metric is [F1 score](https://en.wikipedia.org/wiki/F1_score):
\[ F1 = 2\frac{p \cdot r}{p+r}\ \ \mathrm{where}\ \ p = \frac{tp}{tp+fp},\ \ r = \frac{tp}{tp+fn} \]
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The file should contain a header and have the following format:
Id,Credit Default
0,0
1,0
2,1
3,0
etc.