why is it useful to use a z/y kernel which method uses local kernel data? can rates of rate data be modelled using local kernel why use local kernel why is y the local kernel what is local kernel in rate data what is the local kernel for rate data why does rda have a kernel what is the local kernel what is local kernel what is local kernel for rate data where is local kernel which model is appropriate to measure rate data how is a local kernel applied is y the lowest rate what is rate data of the form y is there a local kernel where is local kernel used in data? what is local kernel which algorithm is appropriate to model rate data?