text: from sklearn.model_selection import StratifiedKFold
  import pandas as pd
  
  skf = StratifiedKFold(n_splits=10, random_state=48, shuffle=True)
  
  def CV(predictors,target):
      
      for fold, (train_index, test_index) in enumerate(skf.split(predictors, target)):
          x_train, x_valid = pd.DataFrame(predictors.iloc[train_index]), pd.DataFrame(predictors.iloc[test_index])
          y_train, y_valid = target.iloc[train_index], target.iloc[test_index]
  
      return x_train, x_valid, y_train, y_valid    
  