In this paper we analyze the source and level of the marketing gains when structured debt securities are sold at yields that reflect only their credit ratings, or specifically at the yield on an equivalently rated reference bond. We distinguish between credit ratings that are based on probabilities of default and ratings that are based on the expected default losses. We show that the marketing ...

Users are looking towards ATM technology as a suitable solution for specific applications in the new field of distributed multimedia. The aim of ISABEL is to take benefit of the new broadband technology in order to provide a good access to new distributed multimedia facilities. The application has been developed to cover two main fields: distance learning activities between two or more real con...

Code cloning is one of the most well-known codelevel technical debts. In this paper, I discuss when, why and for whom practitioners detect code clones based on my experience of industry/university collaboration. At first, I introduce five project instances based on my experience. Next, I identify elements of the context model of a software maintenance project. After that, I discuss the impact o...

This paper discusses collage as a means to explore spatial ideas. It concerns the practice of drawing-as-research, the spatiality of drawing and the nature of paper. It questions the homogeneity of digital tools in contemporary practice. It is introduced with a discussion of architectural representation and space with a historical trajectory. It questions an understanding of space-as-geometry a...

This paper is concerned with the early processes of design, particularly in the context of spatial arrangements. We are interested in the strategies that a designer uses in order to achieve success and with the opportunities that might exist for computer support. The technical device that provides the focus for the work is the concept of a shape grammar. The investigation that has taken place h...

The paper identifies the sources of regulatory complexity that lie behind the management of innovation, intellectual property, competition law and technical standard setting processes. It then introduces the remaining papers in the Special Issue. These papers focus on aspects of regulatory complexity in the Australian and New Zealand context. Taken overall the papers suggest that flexible stand...

Technologies have become important part of our lives. The steps for introducing ICTs in education vary from country to country. The Republic of Macedonia has invested with a lot in installment of hardware and software in education and in teacher training. This research was aiming to determine the situation of usage of databases of digital educational materials and to define recommendation for f...

The metadata infrastructure of a statistical office should provide different kinds of metadata, serving the needs of different kinds of users. The metadata systems need to be organized in such a way that metadata can be captured and processed in an efficient way, without too much manual work and with efficient computer support. The paper describes on-going efforts at Statistics Sweden to achiev...

The present paper presents a study that seeks the antecedents of inter-agency information sharing systems adoption and the effects of using such systems on the information sharing practice among anti/counter-terrorism and disaster management agencies. Based on traditional IT acceptance theory, social exchange theory, and distributional justice perspective, the study presents a set of potential ...