Choose (and implement) proper variable binning method

[jcierocki]

Actually we tried two different approaches:

1. scorecard: woebin + woebin_ply
2. funModeling: discretize_rg

1st gives better results when it comes to IV and the package is lighter - but still, it would be good to check it.

Code is located in work1.R and funs.R files.

[jcierocki]

If we talk about special alternatives to the above-mentioned packages @Mixowo You can try smbinnig package, it's pretty old but The Lecturer showed it in the classes.