an class="n">std</span><span class="p">(</span><span class="n">x</span><span class="p">),</span>
    <span class="n">axis</span><span class="o">=</span><span class="mi">1</span><span class="p">)</span>

<span class="n">old_PAY_AMT</span> <span class="o">=</span> <span class="p">[</span><span class="s1">&#39;PAY_AMT3&#39;</span><span class="p">,</span> <span class="s1">&#39;PAY_AMT4&#39;</span><span class="p">,</span> <span class="s1">&#39;PAY_AMT5&#39;</span><span class="p">,</span> <span class="s1">&#39;PA