David Maneiro Exam 2 Part 2 data read csv file choose header TRUE library ggplot2 library forecast library tseries library TSA mor ts data MORTGAGE30US frequency 12 start c 1971 04 autoplot mor xlab Year ylab mor 1 the graph for monthly 30 year mortgage rates seems to be on a downward trend but does not seem to have any seasonality 2 demor decompose mor type multiplicative plot demor 3 Looking at the results of the multiplicative decomposition it support the graphical interpretation from part a as there is a downward trend begining after 2010 and the seasonal indices revert to the mean 4 s1 demor seasonal plot s1 s1 Jan Feb Mar Apr May Jun Jul Aug 1971 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1972 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1973 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1974 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1975 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1976 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1977 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1978 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1979 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1980 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1981 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1982 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1983 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1984 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1985 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1986 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1987 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1988 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1989 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1990 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1991 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1992 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1993 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1994 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1995 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1996 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1997 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1998 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 1999 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2000 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2001 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2002 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2003 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2004 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2005 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2006 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2007 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2008 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2009 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2010 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2011 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2012 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2013 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2014 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2015 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2016 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2017 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2018 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 2019 0 9885739 0 9873114 0 9954333 1 0025061 1 0057304 1 0075053 1 0070414 1 0074431 Sep Oct Nov Dec 1971 1 0032564 1 0003765 0 9992738 0 9955483 1972 1 0032564 1 0003765 0 9992738 0 9955483 1973 1 0032564 1 0003765 0 9992738 0 9955483 1974 1 0032564 1 0003765 0 9992738 0 9955483 1975 1 0032564 1 0003765 0 9992738 0 9955483 1976 1 0032564 1 0003765 0 9992738 0 9955483 1977 1 0032564 1 0003765 0 9992738 0 9955483 1978 1 0032564 1 0003765 0 9992738 0 9955483 1979 1 0032564 1 0003765 0 9992738 0 9955483 1980 1 0032564 1 0003765 0 9992738 0 9955483 1981 1 0032564 1 0003765 0 9992738 0 9955483 1982 1 0032564 1 0003765 0 9992738 0 9955483 1983 1 0032564 1 0003765 0 9992738 0 9955483 1984 1 0032564 1 0003765 0 9992738 0 9955483 1985 1 0032564 1 0003765 0 9992738 0 9955483 1986 1 0032564 1 0003765 0 9992738 0 9955483 1987 1 0032564 1 0003765 0 9992738 0 9955483 1988 1 0032564 1 0003765 0 9992738 0 9955483 1989 1 0032564 1 0003765 0 9992738 0 9955483 1990 1 0032564 1 0003765 0 9992738 0 9955483 1991 1 0032564 1 0003765 0 9992738 0 9955483 1992 1 0032564 1 0003765 0 9992738 0 9955483 1993 1 0032564 1 0003765 0 9992738 0 9955483 1994 1 0032564 1 0003765 0 9992738 0 9955483 1995 1 0032564 1 0003765 0 9992738 0 9955483 1996 1 0032564 1 0003765 0 9992738 0 9955483 1997 1 0032564 1 0003765 0 9992738 0 9955483 1998 1 0032564 1 0003765 0 9992738 0 …