Network coding, first studied by Yeung and Zhang and Ahlswede et al., reveals that if coding is applied at the nodes in a network, rather than routing alone, the network capacity can be increased. Li et al. and subsequently Koetter and Medard proved that linear network coding is sufficient to achieve the maximum capacity in a single-source finite acyclic network.
Consequently, linear network coding for single-source finite acyclic networks has been a subject of much research interest. We refer the reader to (see also) for a tutorial on the subject. In this work, they classify linear network codes for single-source finite acyclic networks into four classes: generic; linear dispersion; linear broadcast; linear multicast. These four classes of linear network codes possess properties of decreasing strength.
Credit scoring has helped to produce a robust credit environment and increase access to homeownership for millions of consumers. This paper examines the role credit scores have played in helping lenders extend credit, and in particular mortgage loans, to underserved populations. It explores the relationship between available data sources and credit scoring, and examines the impact to consumers and lenders of expanding—or restricting—the amount and quality of data available to scoring and credit decisions.
Credit scoring enables lenders to extend credit quickly at the right price, while safely managing their risk. Lenders have been able to offer more credit to borrowers, at lower prices, and underserved populations have been a major beneficiary. Credit scoring depends on both negative and positive data on consumers and restrictions on the credit bureau data available to scoring would make it harder for people to get credit. To expand the benefits of scoring for consumers, the credit industry, legislators and scoring providers should pursue more consumer education about scoring and credit, a standardization of additional information available for scoring, and ongoing innovation in scorecard development.
Do you Yahoo!?
If you connect to the Internet, chances are that you do. Yahoo! is the most popular site on the Internet. More people visit Yahoo! every day than visit America Online or Google or Amazon.com or eBay or any other Internet destination. With more than 237 million users in 25 different countries (and 13 different languages), Yahoo! is visited by more than two-thirds of all Internet users at least once a month.
It’s fair to assume that you’re one of those 237 million users, and that you use Yahoo! to find other sites on the Web. But do you know everything you can do at Yahoo!? Do you know all about Yahoo! services, including free e-mail and online shopping and personal ads and stock quotes and TV schedules and travel reservations and interactive games and downloadable music radio and real-time chat and instant messaging and... well, do you?
