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print( $E{age22}          ?1:0,"\n");
print( $E{insured}        ?1:0,"\n");
...
print( !$E{dui}           ?1:0,"\n");
print( ($E{tickets} <= 1) ?1:0,"\n");
print( !$E{major}         ?1:0,"\n");

my $E = risk_eval;
my %E = %$E;

my %E = %{ risk_eval() };