Tag Archives: discriminating

Haunting Legacy: Vietnam and the American Presidency from Ford to Obama

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Haunting Legacy: Vietnam and the American Presidency from Ford to Obama by Marvin Kalb and Deborah Kalb
English | 2011-05-26 | ISBN: 0815721315 | PDF | 355 pages | 3,6 MB

Haunting Legacy: Vietnam and the American Presidency from Ford to Obama
The United States had never lost a war-that is, until 1975, when it was forced to flee Saigon in humiliation after losing to what Lyndon Johnson called a "raggedy-ass little fourth-rate country." The legacy of this first defeat has haunted every president since, especially on the decision of whether to put "boots on the ground" and commit troops to war.
In Haunting Legacy, the father-daughter journalist team of Marvin Kalb and Deborah Kalb presents a compelling, accessible, and hugely important history of presidential decisionmaking on one crucial issue: in light of the Vietnam debacle, under what circumstances should the United States go to war?

The sobering lesson of Vietnam is that the United States is not invincible-it can lose a war-and thus it must be more discriminating about the use of American power. Every president has faced the ghosts of Vietnam in his own way, though each has been wary of being sucked into another unpopular war. Ford (during the Mayaguez crisis) and both Bushes (Persian Gulf, Iraq, Afghanistan) deployed massive force, as if to say, "Vietnam, be damned." On the other hand, Carter, Clinton, and Reagan (to the surprise of many) acted with extreme caution, mindful of the Vietnam experience. Obama has also wrestled with the Vietnam legacy, using doses of American firepower in Libya while still engaged in Iraq and Afghanistan.

The authors spent five years interviewing hundreds of officials from every postwar administration and conducting extensive research in presidential libraries and archives, and they've produced insight and information never before published. Equal parts taut history, revealing biography, and cautionary tale, Haunting Legacy is must reading for anyone trying to understand the power of the past to influence war-and-peace decisions of the present, and of the future.
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The Italian Slow Cooker

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The Italian Slow Cooker by Michele Scicolone
English | ISBN: 054700303X | 2010 | EPUB | 240 pages | 37,5 MB

The Italian Slow Cooker
Finally a book that combines the fresh, exuberant flavors of great Italian food with the ease and comfort of a slow cooker. Michele Scicolone, a best-selling author and an authority on Italian cooking, shows how good ingredients and simple techniques can lift the usual "crockpot" fare into the dimension of fine food. Pasta with Meat and Mushroom Ragu, Osso Buco with Red Wine, Chicken with Peppers and Mushrooms: These are dishes that even the most discriminating cook can proudly serve to company, yet all are so carefree that anyone with just five or ten minutes of prep time can make them on a weekday and return to perfection.

Simmered in the slow cooker, soups, stews, beans, grains, pasta sauces, and fish are as healthy as they are delicious. Polenta and risotto, "stir-crazy" dishes that ordinarily need careful timing, are effortless. Meat loaves come out perfectly moist, tough cuts of meat turn succulent, and cheesecakes emerge flawless.
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Consumer Credit Models – Pricing, Profit and Portfolios

Consumer Credit Models: Pricing, Profit and Portfolios
by Lyn C. Thomas
English | 2009-04-01 | 400 Pages | ISBN: 019923213X | PDF | 1,4 MB

The use of credit scoring–the quantitative and statistical techniques to assess the credit risks involved in lending to consumers–has been one of the most successful if unsung applications of mathematics in business for the last fifty years.
Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges.
The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score.
The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrowers repayment and ordering behavior. These models allow one to make decisions that maximize the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.

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