The use of credit scoring models and the importance of a credit culture

... estimate annual and cumulative defaults 10 Marginal and Cumulative Mortality Rate Equation MMR(t) = Total value of defaulting debt in year (t) total value of the population at the start of the year ... Empresas ICA Sociedad Controladora Grupo Televisa SA Kimberly-Clark de Mexico Telefonos de Mexico SA de CV Vitro SA de CV n .a: not available BBBBB+ BB BB+ Dec 94 n .a AAA BBBABBB AA AAA AAA BB+ ... D AAA BBBBBBBB BBB ABB+ B+ BB BBBBBBBBBBBBAAA AAA BB+ A CCC BBB+ BB+ CCCCCC+ AAA AA BB+ BB+ D A B+ BBBB+ BB+ BB BBB+ BB+ BB BBBB+ BB+ BBBBAA A+ BB+ BB CCCB BB CCC B AABBB+ BB+ BB NR/NR/NR Ba2/NR/NR...

Báo cáo y học: "Severe leukocytoclastic vasculitis secondary to the use of a naproxen and requiring amputation: a case report" ppt

... presented an atypical case of leukocytoclastic vasculitis in a 33-year-old African American woman secondary to the use of naproxen resulting in multi-limb ischemia and subsequent amputation Adding yet ... yet another pharmaceutical to the list of potential causes of leukocytoclastic vasculitis will significantly add to our understanding of the etiology of this disease Noting the atypical nature of ... this article as: Brown et al., Severe leukocytoclastic vasculitis secondary to the use of a naproxen and requiring amputation: a case report Journal of Medical Case Reports 2010, 4:204 Page of...

Báo cáo y học: "Use of a multi-virus array for the study of human viral and retroviral pathogens: gene expression studies and ChIP-chip analysis" pot

... some of the expression studies AP performed many of the expression studies and the ChIP-chip analysis VL performed the ChIP-chip analysis CD participated in the design and printing of the array and ... intensity across the whole array http://www.retrovirology.com/content/1/1/10 Authors' contributions EG analyzed all the microarray data and printed the arrays NM printed the arrays and participated ... ratio of this mean on the average of the intensity across the array set was then obtained A ratio greater than indicates that there was hybridization to a specific gene 2-fold above the background...

Báo cáo y học: "The use of a blood conservation device to reduce red blood cell transfusion requirements: a before and after study" doc

... least 0.05 unit PRBC/patient/day with a standard deviation of 0.15 units PRBC/patient/day Statistical analysis We expressed variables as means ± standard deviations and numbers (percentages), and ... extends far beyond apparent cost-benefit ratio and economic savings PRBC transfusions are associated with significant morbidity and mortality and any reduction in transfusions may eventually improve ... preservation of Hb, it is logical that use of such a device will reduce transfusion requirements In this beforeand -after study, use of a blood conservation device in the presence of a restrictive transfusion...

The Impact of a Corporate Culture of Sustainability on Corporate Behavior and Performance pptx

... The Impact of a Corporate Culture of Sustainability on Corporate Behavior and Performance Robert G Eccles, Ioannis Ioannou, and George Serafeim Abstract We investigate the effect of a corporate ... Supplier Standards Product LCA Human Rights Standards International Standards Compliance National Standards Compliance EMS Environmental Data Availability Environmental Policy Grievance Process Labor ... Firms: A Model of Myopic Corporate Behavior Quarterly Journal of Economics 104: 655-669 Ullmann, A A 1985 Data in search of a theory: a critical examination of the relationships among social performance, ...

the emergence of a scientific culture science and the shaping of modernity 1210-1685 feb 2007

... 245 PA RT I V Corpuscularianism and the Rise of Mechanism Corpuscularianism and Atomism Gassendi and the Legitimacy of Atomism Beeckman and ‘Physico-Mathematics’ Corpuscularianism and Mechanism: ... authority and was an unforgivable sign of disrespect and dissension, the ultimate betrayal of ﬁlial piety, of family and clan, and, above all, the betrayal of the principle of jang, yieldingness’ The ... upon and at worst treated as a form of heresy Second, the way in which the achievements of Greek philosophers, and Greek and Alexandrian mathematicians, were ‘naturalized’ in Arab-Islamic culture...

báo cáo hóa học:" Use of a novel cell-based fusion reporter assay to explore the host range of human respiratory syncytial virus F protein" ppt

... observed was attributable to the HRSV F protein Host range of HRSV-mediated fusion To determine the host range of HRSV F mediated fusion using the quantitative fusion assay 293T effector cells ... interpretation The assay described herein is a means of quantifying the fusion activity of the HRSV F protein This assay has multiple applications For example, this assay can be used as a means of studying ... 102 FL1-H 103 104 L138R A) Comparison of fusion activity of wild-type and a fusion peptide mutant of HRSV F Figure A) Comparison of fusion activity of wild-type and a fusion peptide mutant of HRSV...

Cutting Tool Materials What is the use of a book docx

... onto an uncomplicated tooling database for later interrogation Having established the current status of the tooling within the manufacturing facility, this allows for a tooling rationalisation campaign ... indicate the range of influence of each tool material and the comparative relative merits of one material against another, with some of their physical and mechanical properties tabulated in Fig 3b A ... (CBN) is one of the hardest materials available and for machining operations it can be considered as a ultra-hard cutting tool, it was first synthesised in the late 1950’s In many ways, CBN and natural...

Báo cáo y học: "Clinical use of a modified release methylphenidate in the treatment of childhood attention deficit hyperactivity disorder" pps

... further parenting courses in managing the child’s behaviour and psychoeducational materials are made available When pharmacological therapy is recommended, the various types of medication available ... pregnancy and delivery, and had a history of delay in all areas of her development; she walked late, talked late (age 3) and found mainstream schooling very challenging Patient 4’s parents separated ... had been in good health There was a family history of psychiatric illness in her mother’s grandfather, as well as a history of hyperactivity and defiant behaviours in patient 2’s cousin Patient...

Báo cáo y học: "Use of a population-based survey to determine incidence of AIDS-defining opportunistic illnesses among HIV-positive persons receiving medical care in the United States" ppsx

... well as facilitate entry into adequate care Key advantages include the ability to draw inference to the population of patients in care for HIV infection, and beginning in 2008, the availability of ... with HIV are being diagnosed early in the course of disease and entering care in a timely way, and the quality and effectiveness of that care High overall OI incidence may indicate prevalent problems ... an HIV case However, two of the participating states had laboratory reporting of at least some CD4 counts and viral loads at the time of the study and the third had an established, clinically-based...

Báo cáo y học: "Cornual pregnancy as a complicaton of the use of a levonorgestrel intrauterine device: a case report" pdf

... ectopic pregnancy, are used in the medical literature interchangeably By definition, a cornual pregnancy refers to the implantation and development of a pregnancy in the lateral upper portion of the ... negative After informed consent, chemotherapy was preferred by the patient to either dilatation and curettage or laparotomy to preserve fertility She was treated as having an ectopic, cornual pregnancy ... transvaginal sonogram revealed a sac situated external to the endometrial cavity in the right cornua of the uterus (>1 cm from the most lateral edge of the uterine cavity) containing an embryo measuring...

báo cáo khoa học: " A radiographic analysis of tooth morphology following the use of a novel cyclical force device in orthodontics Chung H Kau" pps

... mouse and houses the mechanical, electrical, and energy components to activate the mechanical force from the post The patient places and activates the device once daily for 20 The applied force ... optimal force varies between patients along with the magnitude of the applied force affecting the rate of tooth movement [2] Therefore, a device that transmits these forces may be an added benefit in ... Dentofacial Orthop 2001, 119:511-515 doi:10.1186/1746-160X-7-14 Cite this article as: Kau: A radiographic analysis of tooth morphology following the use of a novel cyclical force device in orthodontics...

Báo cáo y học: " Use of a Javid™ shunt in the management of axillary artery injury as a complication of fracture of the surgical neck of the humerus: a case report" ppsx

... control of the subclavian artery above the clavicle (Fig 3A) Simultaneous exposure of the brachial artery in the antecubital fossa was performed and a size Fogarty embolectomy catheter passed distally ... a Javid™ shunt, which allowed safe internal fixation of the fracture before bypass grafting The insertion of the Javid™ shunt served to confirm the viability of the limb and adequacy of distal ... Yagubyan M, Panneton JM: Axillary artery injury from humeral neck fracture: A rare but disabling traumatic event Vasc Endovascular Surgery 2004, 38:175-184 Husain AK, Khandeparkar JM, Tendolkar AG,...

Báo cáo y học: "Use of a highly sensitive strand-specific quantitative PCR to identify abortive replication in the mouse model of respiratory syncytial virus disease" pptx

... out the in vivo and cellular assays and analysis and interpretation of data, EJM, MW and CL participated in the design of the study and analysis and interpretation of data HB conceived of the ... this article as: Bannister et al.: Use of a highly sensitive strandspecific quantitative PCR to identify abortive replication in the mouse model of respiratory syncytial virus disease Virology Journal ... phosphorylation of respiratory syncytial virus phosphoprotein P is essential for the transcription elongation activity of the viral polymerase; phosphorylation by casein kinase occurs mainly at Ser(215)...

Báo cáo y học: "End-tidal carbon dioxide monitoring during bag valve ventilation: the use of a new portable device" pptx

... used as an auxiliary tool for evaluating the accuracy of bag- valve mask ventilation The main conclusion is that when patients are well under anaesthesia, are hemodynamically stable and adequately ... ventilation, absence of eye lash and bulb reflexes) was made by the attending anaesthesiologist to evaluate that the patient was properly anesthetized The patient was ventilated by bagvalve mask during the ... fully anaesthetized and hemodynamically stable The patients chosen were all ASA I and II and therefore easily maintained A weakness could be the difficulty of keeping an adequate airway by BVM...

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