The dynamic behavior of the term structure of interest rates is difficult to replicate with models, and even models with a proven track record of empirical performance have underperformed since the early 2000s. On the other hand, survey expectations are accurate predictors of yields, but only...

Rational small business management necessitates the development of a system for recording important internal information. Companies are obliged to collect statistical data that mainly serves fiscal needs. Exemplary use of such significant data entails financial liquidity (LIQt) and debt recovery...