rong> To improve interpretability and simplify the shape functions of XGB1, we optimize the binning of each feature. Specifically, we start by using the split points obtained from the raw XGB fitting results as the initial binning points. We then apply the <a class="reference external" href="http://gnpalencia.org/optbinning/">optbinning</a> package, a Python package for optimal binning, to optimize the binning points. The optimization process is based on the weight of evidence (WOE) of the binning and sever