A high-quality and granular probability of default (PD) model is on many practical dimensions far superior to any categorical credit rating system. Business adoption of a PD model, however, needs to factor in the long-established business/regulatory conventions built around letter-based credit...

Small and medium-sized enterprises (SMEs) often have difficulty competing in the global economy unless they collaborate with domestic or foreign partners or with public sector organizations. This book addresses the resource leverage and innovation challenges that increased global trade...

Considering homosexual contacts and heterosexual contacts in the course of sexual contacts, double degrees which describe the numbers of homosexual contacts and heterosexual contacts are introduced, correlation coefficients about degrees based on the joint probability distribution are given, and...