Categorical Variable Codings
The categorical variable codings are a useful reference for interpreting the regression coefficients for categorical covariates, particularly dichotomous variables. By default, the reference category is the "last" category. Thus, for example, even though Married customers have variable values of 1 in the data file, they are coded as 0 for the purposes of the regression. If you want to code marital, retire, and gender so that data file values of 1 are coded as 1 in the regression, change their reference category from "last" to "first" in the Categorical Covariates dialog box.