diff --git "a/data/oop_high_oop_unprotected.csv" "b/data/oop_high_oop_unprotected.csv"
new file mode 100644--- /dev/null
+++ "b/data/oop_high_oop_unprotected.csv"
@@ -0,0 +1,10001 @@
+id,household_size,ses_quintile,residence,head_age,head_sex,has_insurance,chronic_conditions,household_income_usd,health_events_12m,sought_care,primary_service,facility_type,oop_total_usd,oop_medicines_usd,oop_outpatient_usd,oop_inpatient_usd,oop_transport_usd,oop_diagnostic_usd,catastrophic_expenditure,impoverished_by_oop,oop_pct_income,coping_strategy,forgone_care,year
+1,8,2,urban,50,female,0,0,408,1,0,none,none,30.59,26.0,0.0,0.0,4.59,0.0,0,0,7.5,community_support,1,2022
+2,5,1,rural,69,female,0,0,331,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2021
+3,6,4,rural,41,male,0,0,2888,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2024
+4,6,3,rural,18,female,0,0,1334,1,0,none,none,69.26,58.87,0.0,0.0,10.39,0.0,0,0,5.2,borrowing,1,2024
+5,2,2,rural,34,female,0,0,625,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2020
+6,3,3,urban,46,male,0,0,1073,1,1,emergency_care,traditional_healer,46.52,25.59,9.3,3.72,5.58,2.33,0,0,4.3,savings,0,2024
+7,4,5,rural,18,male,0,0,3114,3,0,none,none,77.4,65.79,0.0,0.0,11.61,0.0,0,0,2.5,savings,1,2022
+8,2,1,urban,23,male,0,0,164,1,0,none,none,12.83,10.9,0.0,0.0,1.92,0.0,0,0,7.8,community_support,1,2020
+9,6,3,rural,38,female,0,0,758,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2023
+10,6,1,rural,69,female,0,0,358,1,0,none,none,17.75,15.09,0.0,0.0,2.66,0.0,0,0,5.0,savings,1,2020
+11,10,1,rural,42,female,0,0,424,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2021
+12,7,1,urban,41,female,0,0,209,1,0,none,none,72.97,62.02,0.0,0.0,10.95,0.0,1,0,34.9,community_support,1,2021
+13,4,3,rural,37,female,1,0,1158,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2021
+14,7,1,rural,30,male,0,0,235,1,0,none,none,6.58,5.59,0.0,0.0,0.99,0.0,0,0,2.8,no_coping_needed,1,2021
+15,4,3,urban,64,male,0,1,975,1,1,chronic_disease_management,public_health_centre,46.17,25.4,9.23,3.69,5.54,2.31,0,0,4.7,no_coping_needed,0,2023
+16,5,1,urban,69,male,0,0,186,1,0,none,none,6.66,5.66,0.0,0.0,1.0,0.0,0,0,3.6,no_coping_needed,1,2024
+17,9,2,rural,44,male,0,0,835,1,0,none,none,30.28,25.74,0.0,0.0,4.54,0.0,0,0,3.6,no_coping_needed,1,2022
+18,10,4,urban,50,female,0,0,2940,1,0,none,none,30.13,25.61,0.0,0.0,4.52,0.0,0,0,1.0,no_coping_needed,1,2024
+19,6,3,urban,56,male,0,0,1123,3,1,outpatient_consultation,public_hospital,171.87,94.53,34.37,13.75,20.62,8.59,1,0,15.3,selling_assets,0,2024
+20,6,1,urban,53,male,0,1,210,4,0,none,none,210.76,179.15,0.0,0.0,31.61,0.0,1,0,100.4,delayed_treatment,1,2023
+21,3,2,rural,22,male,0,0,636,1,0,none,none,33.6,28.56,0.0,0.0,5.04,0.0,0,0,5.3,savings,1,2024
+22,4,5,urban,30,male,0,0,4850,1,1,outpatient_consultation,private_clinic,56.71,31.19,11.34,4.54,6.81,2.84,0,0,1.2,savings,0,2024
+23,6,1,urban,38,female,0,1,155,1,0,none,none,150.57,127.98,0.0,0.0,22.59,0.0,1,0,97.1,reducing_food,1,2020
+24,4,1,urban,25,male,0,0,307,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2024
+25,6,2,rural,69,male,0,0,410,2,0,none,none,15.31,13.01,0.0,0.0,2.3,0.0,0,0,3.7,no_coping_needed,1,2022
+26,2,1,rural,44,female,0,0,332,2,0,none,none,663.01,563.56,0.0,0.0,99.45,0.0,1,0,199.7,reducing_food,1,2024
+27,8,1,rural,45,male,0,0,358,1,0,none,none,8.33,7.08,0.0,0.0,1.25,0.0,0,0,2.3,savings,1,2021
+28,6,4,rural,35,female,1,0,2648,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2021
+29,8,4,rural,61,male,0,1,1272,2,0,none,none,31.53,26.8,0.0,0.0,4.73,0.0,0,0,2.5,savings,1,2024
+30,5,3,urban,45,male,0,1,998,3,0,none,none,43.14,36.67,0.0,0.0,6.47,0.0,0,0,4.3,savings,1,2024
+31,3,1,rural,47,male,0,0,302,4,0,none,none,177.53,150.9,0.0,0.0,26.63,0.0,1,0,58.8,community_support,1,2024
+32,9,4,rural,34,male,1,1,2985,4,0,none,none,72.17,61.35,0.0,0.0,10.83,0.0,0,0,2.4,no_coping_needed,1,2024
+33,2,1,rural,20,female,0,0,339,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2021
+34,2,3,rural,46,male,0,0,756,3,0,none,none,72.6,61.71,0.0,0.0,10.89,0.0,0,0,9.6,savings,1,2024
+35,2,4,rural,68,male,0,0,2842,3,0,none,none,506.43,430.47,0.0,0.0,75.96,0.0,1,0,17.8,borrowing,1,2022
+36,2,2,rural,56,male,0,1,493,2,0,none,none,39.98,33.98,0.0,0.0,6.0,0.0,0,0,8.1,community_support,1,2023
+37,4,5,urban,45,female,0,0,6531,5,0,none,none,616.29,523.84,0.0,0.0,92.44,0.0,0,0,9.4,community_support,1,2024
+38,2,5,urban,29,male,1,0,5168,1,1,medicines_only,public_hospital,4.4,2.42,0.88,0.35,0.53,0.22,0,0,0.1,savings,0,2022
+39,2,1,rural,39,male,0,0,337,2,0,none,none,8.22,6.98,0.0,0.0,1.23,0.0,0,0,2.4,no_coping_needed,1,2023
+40,3,2,rural,40,male,0,1,678,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2021
+41,5,5,rural,47,female,0,0,5006,3,0,none,none,207.24,176.15,0.0,0.0,31.09,0.0,0,0,4.1,no_coping_needed,1,2023
+42,3,1,urban,41,male,0,0,425,2,1,outpatient_consultation,pharmacy,57.15,31.43,11.43,4.57,6.86,2.86,1,0,13.4,borrowing,0,2024
+43,1,1,rural,52,male,0,1,189,1,0,none,none,50.7,43.09,0.0,0.0,7.6,0.0,1,0,26.8,reducing_food,1,2024
+44,2,5,urban,28,male,0,0,7624,3,0,none,none,80.04,68.03,0.0,0.0,12.01,0.0,0,0,1.0,no_coping_needed,1,2023
+45,5,5,urban,60,female,0,0,2007,3,0,none,none,8.66,7.36,0.0,0.0,1.3,0.0,0,0,0.4,no_coping_needed,1,2023
+46,4,1,rural,35,female,0,0,272,1,0,none,none,68.85,58.52,0.0,0.0,10.33,0.0,1,0,25.3,selling_assets,1,2023
+47,5,1,rural,18,female,0,0,275,2,1,medicines_only,private_clinic,120.23,66.13,24.05,9.62,14.43,6.01,1,0,43.7,savings,0,2023
+48,5,4,rural,43,female,0,1,2608,2,0,none,none,30.24,25.7,0.0,0.0,4.54,0.0,0,0,1.2,no_coping_needed,1,2021
+49,5,2,rural,41,female,0,1,512,1,0,none,none,16.27,13.83,0.0,0.0,2.44,0.0,0,0,3.2,no_coping_needed,1,2022
+50,6,1,urban,27,female,0,0,438,2,1,outpatient_consultation,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2024
+51,3,1,urban,42,male,0,0,304,1,0,none,none,45.17,38.39,0.0,0.0,6.77,0.0,1,0,14.9,community_support,1,2023
+52,3,2,rural,71,female,0,0,571,2,0,none,none,50.84,43.21,0.0,0.0,7.63,0.0,0,0,8.9,savings,1,2023
+53,3,5,urban,25,male,0,0,6232,2,0,none,none,89.64,76.2,0.0,0.0,13.45,0.0,0,0,1.4,savings,1,2022
+54,9,3,rural,41,female,0,0,859,1,1,outpatient_consultation,pharmacy,23.71,13.04,4.74,1.9,2.85,1.19,0,0,2.8,no_coping_needed,0,2020
+55,5,1,urban,35,male,0,1,331,4,0,none,none,372.75,316.84,0.0,0.0,55.91,0.0,1,0,112.6,selling_assets,1,2023
+56,2,3,rural,51,female,0,0,1330,1,1,emergency_care,traditional_healer,44.69,24.58,8.94,3.58,5.36,2.23,0,0,3.4,no_coping_needed,0,2024
+57,6,2,rural,37,male,0,1,540,3,0,none,none,35.21,29.92,0.0,0.0,5.28,0.0,0,0,6.5,borrowing,1,2024
+58,3,5,rural,43,male,0,0,5682,1,0,none,none,57.61,48.97,0.0,0.0,8.64,0.0,0,0,1.0,no_coping_needed,1,2023
+59,7,5,urban,55,male,1,0,3689,4,0,none,none,100.24,85.2,0.0,0.0,15.04,0.0,0,0,2.7,no_coping_needed,1,2024
+60,3,3,urban,46,male,0,1,1010,2,0,none,none,28.62,24.33,0.0,0.0,4.29,0.0,0,0,2.8,no_coping_needed,1,2024
+61,3,4,rural,40,male,0,0,2008,1,1,outpatient_consultation,public_health_centre,91.2,50.16,18.24,7.3,10.94,4.56,0,0,4.5,savings,0,2024
+62,7,1,rural,36,female,0,0,486,1,1,medicines_only,private_clinic,87.43,48.09,17.49,6.99,10.49,4.37,1,0,18.0,selling_assets,0,2024
+63,5,3,rural,48,male,0,1,1302,4,1,outpatient_consultation,pharmacy,199.44,109.69,39.89,15.96,23.93,9.97,1,0,15.3,savings,0,2021
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+66,7,2,rural,61,male,0,0,446,1,1,outpatient_consultation,pharmacy,34.59,19.03,6.92,2.77,4.15,1.73,0,0,7.8,savings,0,2023
+67,6,5,rural,45,male,1,0,8173,1,0,none,none,4.54,3.86,0.0,0.0,0.68,0.0,0,0,0.1,no_coping_needed,1,2023
+68,1,4,urban,39,male,0,0,2083,2,0,none,none,15.5,13.17,0.0,0.0,2.32,0.0,0,0,0.7,no_coping_needed,1,2021
+69,5,3,rural,26,male,0,0,710,2,1,chronic_disease_management,public_hospital,252.9,139.1,50.58,20.23,30.35,12.65,1,0,35.6,selling_assets,0,2023
+70,4,2,rural,18,male,0,0,372,4,0,none,none,1468.07,1247.86,0.0,0.0,220.21,0.0,1,0,394.6,reducing_food,1,2022
+71,3,5,urban,29,male,0,0,6427,1,1,dental_care,public_health_centre,59.21,32.56,11.84,4.74,7.1,2.96,0,0,0.9,no_coping_needed,0,2023
+72,4,1,urban,24,male,0,0,152,3,0,none,none,158.35,134.6,0.0,0.0,23.75,0.0,1,0,104.2,reducing_food,1,2024
+73,7,1,rural,27,female,0,0,318,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2024
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+76,7,1,rural,60,female,0,1,254,1,0,none,none,29.11,24.74,0.0,0.0,4.37,0.0,1,0,11.5,community_support,1,2022
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+79,5,4,urban,58,male,0,0,882,2,1,medicines_only,private_hospital,37.87,20.83,7.57,3.03,4.54,1.89,0,0,4.3,savings,0,2024
+80,10,1,rural,48,male,0,0,182,0,0,none,none,0.0,0.0,0.0,0.0,0.0,0.0,0,0,0.0,no_coping_needed,0,2021
+81,10,3,urban,45,male,0,1,645,2,0,none,none,56.13,47.71,0.0,0.0,8.42,0.0,0,0,8.7,reducing_food,1,2021
+82,6,2,urban,36,female,0,1,554,2,1,maternal_care,public_hospital,283.58,155.97,56.72,22.69,34.03,14.18,1,0,51.2,community_support,0,2022
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+85,4,3,rural,39,female,0,0,1421,4,1,outpatient_consultation,public_health_centre,79.32,43.63,15.86,6.35,9.52,3.97,0,0,5.6,borrowing,0,2023
+86,7,4,rural,50,female,0,0,2326,2,0,none,none,64.12,54.5,0.0,0.0,9.62,0.0,0,0,2.8,savings,1,2024
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+90,9,1,rural,41,male,0,1,336,1,0,none,none,20.56,17.47,0.0,0.0,3.08,0.0,0,0,6.1,savings,1,2023
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+95,8,3,rural,41,female,0,0,802,1,1,chronic_disease_management,private_hospital,84.63,46.54,16.93,6.77,10.16,4.23,1,1,10.6,community_support,0,2023
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