Credit scoring can be defined as a statistical modeling technique used to assign risk to credit applicants or to existing credit accounts. We present a new process that enhances the formulation and solution approach in the SAS® system during the so-called “binning” phase by exploiting SAS/OR optimization capabilities to approach the problem from a mathematically rigorous perspective. Usually, a...

Cigarette butts (CBs) are among the dominant constituents of marine and beach litter. Few studies have been conducted, environmental effects CBs on species still poorly understood. This study aims to evaluate ecotoxicological organisms both classic electronic CBs. Three representative different trophic levels in ecosystems (Aliivibrio fischeri, bacteria; Phaeodactylum tricornutum, algae, primar...

The primary purpose of this Interaction Profile for carbon monoxide, formaldehyde, methylene chloride, nitrogen dioxide, and tetrachloroethylene is to evaluate data on the toxicology of the “whole” mixture and the joint toxic action of the chemicals in the mixture in order to recommend approaches for assessing the potential hazard of this mixture to public health. To this end, the profile evalu...

Emerging markets contain the vast majority of the world’s population. Despite the huge number of inhabitants, these markets still lack a proper finance infrastructure. One of the main difficulties felt by customers is the access to loans. This limitation arises from the fact that most customers usually lack a verifiable credit history. As such, traditional banks are unable to provide loans. Thi...

The increase in nanomaterial research has resulted in increased nanomaterial data. The next challenge is to meaningfully integrate and interpret these data for better and more efficient decisions. Due to the complex nature of nanomaterials, rapid changes in technology, and disunified testing and data publishing strategies, information regarding material properties is often illusive, uncertain, ...

to resort to trickery to get repeat prescriptions, but it wasn't too difficult, and as I had no underworld contacts, I had to get my supply In due course my mental and physical health deteriorated and I was forced to tell my tale of woe to my doctor, who calmly scrawled another prescription for Duraphet instead. After four months in a mental hospital 1 was freed of my hell. That was two years a...

Task-specific cueing formats that promote the automation and construction of problemsolving schemas should ideally be presented just in time to students learning to solve complex problems. This article reports experimental work comparing learner-controlled cueing, system-controlled cueing, and no cueing among 34 sophomore law students in a multimedia practical aimed at learning to prepare and h...