```json
{
	"no": ["yes"],
	"yes": ["no"]
}
```

Based on the given feature and task, the analysis shows that clients who have a housing loan (housing = 'yes') are less likely to subscribe to a term deposit (target class = 'no'). On the other hand, clients who do not have a housing loan (housing = 'no') are more likely to subscribe to a term deposit (target class = 'yes').