what is the penalty for combining different levels of a factor what model do you use for combining level of a factor? what is combining levels in a factor? yahoo why is it helpful to aggregate the levels within a categorical model what is the use of penalized levels in a factor why use penalized tables can you use a penalized model to combine levels? define penalized t-test what is penalized models what type of model does a penalized factor use? why would you use penalized model define penalised model why is a penalized model useful what models use penalized data sets? what is the penalty used for categorical how to create penalized models what is penalized model why are some models penalized what is the purpose of penalized modelling why is a penalized model useful?