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PDF Ebook Option Trading and Oil Futures Markets

... group actwevities in the city of fashion is also very rich, some people wenvolved in activitwees also receweved in-kwend gwefts Oh! ... the world: Chinese soccer team is still normal! 48, my dad said to me the most moving words: \\Hard to do is dried bean curd, soybean ...

Story - antoq - 10/18/2010 - 13:46 - 155 comments - 0 attachments

PDF Ebook Secrets of the Millionaire Mind

... or CDs, gone to courses, and learned about numerous get-rich systems be they in real estate, stocks, or business. But what happened? ... suite,” otherwise known as the basement. I suppose my dad had complained to him of my woeful existence because when he saw me, he had ...

Story - antoq - 10/23/2010 - 06:09 - 0 comments - 0 attachments


Ebook Film art and Filmmaking

Submitted by antoq on Tue, 12/16/2008 - 06:41

Screen shot Film art and Filmmaking

Film is a young medium, at least compared to most other media. Painting, literature, dance, and theater have existed for thousands of years, but film came into existence only a little more than a century ago. Yet in this fairly short span, the newcomer has established itself as an energetic and powerful art form.


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Ebook Modelling the profitability of credit cards by Markov decision process

Submitted by wulan on Thu, 08/20/2009 - 03:10

Since the advents of credit cards in the 1960s, lenders have used credit scoring, both application and behavioural scoring to monitor and control default risk. However in the last decade their objective has changed from minimising default rates to maximising profit. Lenders have recognized that operating decisions are crucial in determining how much profit is achieved from a card. This paper focuses on the most important decision in an operating policy: the management of credit limit. Soman and Cheema (2002) conducted a study on the use of credit limit policies in encouraging spending and found that the availability of additional credit does promote card usage in some consumers. Consumers assumed lenders have some sophisticated models, which was used to determine appropriate credit limits, but that is not the case in reality.

So how do lenders currently decide on what credit limit to offer a credit card customer? Most use subjective policies based on a risk/return matrix, i.e. they agree credit limits for each combination of risk band and average balance, which is considered a surrogate for the return to the lender from that customer. This approach is static in that it does not consider whether or how the customers default risk and profitability to the lender will change over time. Nor is there any model to guide what are the optimal credit limits to choose.


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Ebook Diabetes and Diet: A Type 2 Patient's Successful Efforts at Control

Submitted by wulan on Wed, 08/05/2009 - 01:26

In managing diabetes the patient holds the key. Physicians and others can explain effects and make recommendations, but as yet there is no magic pill to cure diabetes. Once diabetic patients accept responsibility for their care, however, I believe good blood glucose (BG) control is possible for many.

The body includes numerous complex chemical control systems, many of which are adaptive. One of the body's systems controls BG levels when ingested food is converted into glucose. The hormone insulin is produced by beta cells in the pancreas and helps transport glucose into various body cells. Type 2 diabetes, also known as non-insulin-dependent diabetes mellitus (NIDDM), occurs when inadequate insulin is produced, or the body's cells have a reduced ability to use the insulin that is produced (insulin resistance), or combinations of these two limitations. Ways of combating these limitations are addressed.


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