The rate of households filing for personal bankruptcy soared in the past two decades, spurring extensive investigations on its causes and policy implications. Recent research suggests that the driving factor may be the sharp decrease in the cost of providing credit, especially unsecured credit cards, to the borrowers that would be not served by traditional lenders (e.g., Livshits, MacGee, and T...

Abstract. The form and regulation of contracts is of increasing importance to agricultural economists as farmers and agribusinesses increasing rely on contracts rather than markets to acquire inputs and sell outputs. We focus on the differences between the joint and individual surplus achievable under complete versus incomplete or relational contracts, where the latter are contracts that are no...

The two questions remain open questions at the end of the paper, but in the course of the discussion they are related to each other in ways that are surprising. It is his discussion of the interconnection of these two issues that reveals a hidden depth to Ramsey’s view of truth. His claim is that the idea that “true” is an incomplete symbol and the idea that the world is simple are part of the ...

Dr. Merchant provides a comprehensive overview of intracranial ependymoma in children. As he points out, most of the current information regarding childhood intracranial ependymoma has come from single-institution retrospective reviews. Of the prognostic indicators mentioned in the article, both young age and subtotal resection are widely accepted. Children less than 3 years old have a worse pr...

This paper is written for predicting Bankruptcy using different Machine Learning Algorithms. Whether the company will go bankrupt or not is one of the most challenging and toughest question to answer in the 21 st Century. Bankruptcy is defined as the final stage of failure for a firm. A company declares that it has gone bankrupt when at that present moment it does not have enough funds to pay t...

the kind of contracts of government and public organisations that relates public affaires, that named public or administrative contracts , are very important to fulfil legal duties of government, and public contracts are new forms of providing public welfare, and management of public services, that are based on consenting instead of being authoritarian, but had been studied less in iran law bec...

QuickPay is a micro payment scheme with prepayment 1, 6. The customer must register with the broker to obtain an electronic carnet with value tokens before a sale may take place. It is possible to acquire additional value tokens, or to refresh the value tokens at any time. A merchant must also register with the broker to obtain an electronic till with authentication tokens. This will enable the...