shorten this paragraph "A binary classification model was developed, using historical underwriting decision as target variable (standard risk or non-standard risk) and using basic demographics, historical underwriting and claim data as features (which are required for usual manual underwriting review).
The final model used Xgboost algorithm and was selected based on its performance across cross-validation and then evaluated on a separate holdout test set to provide a closed estimate of its real-world performance. 
" The letter l should appear at least 41 times.
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