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In a subscription-based company, a model combining trees and neural networks predicts customer churn, the likelihood a customer won't renew their yearly subscription. While the average churn prediction is 15%, one specific customer has a 70% predicted churn rate. This customer, with 30% product usage, from New York City, and a customer since 1997, stands out. The company is particularly interested in understanding the high churn prediction for this customer to take targeted retention actions. Given the need for transparency and actionable insights, how can Vertex Explainable AI best explain this discrepancy? (Choose two correct options if E is available, otherwise choose one.)