what s the evidence with respect to germany

Are credit scoring models sensitive with respect to default definitions evidence from the austrian market

Are credit scoring models sensitive with respect to default definitions evidence from the austrian market

... (Net Sales-Material Costs)/Personnel Costs Material Costs / Operating Income Net Sales / Assets Net Sales / Assets* Operating Income / Assets EBIT / Assets EBIT / Assets* EBIT / Net Sales (EBIT+Interest ... Financial Statements by Sales Class This graph shows the distribution of the accounting statements grouped according to sales classes for the observations in the estimation and the test sample Differences ... Equity / Assets Equity / Assets* Liabilities / Tangible Assets Long term Liabilities / Assets Bank Debt / Assets Bank Debt / Assets* Bank Debt/(Assets - Bank Debt) Bank Debt / (Assets - Bank Debt)*...

Ngày tải lên: 04/10/2015, 10:37

44 306 0
OECD Environment Working Papers No. 2: The Health Costs of Inaction with Respect to Air Pollution potx

OECD Environment Working Papers No. 2: The Health Costs of Inaction with Respect to Air Pollution potx

... Laryngitis/pharyngitis Sinusitis Respiratory hospital admissions, per day Respiratory hospital admissions, per case Cardiovascular hospital admissions, per case Cost of illness (USD) 54,970 WTP to ... total benefits Health benefits are usually expressed in two forms: either as values of the costs of a disease (i.e costs of illness) or as willingness -to- pay (WTP) values to avoid a given disease ... with respiratory diseases in Korea Based on cost-of-illness values aggregating medical costs and wage losses, the cost of respiratory diseases associated with NO2 pollution is USD 357 million Later,...

Ngày tải lên: 23/03/2014, 00:20

49 403 0
Justice  what s the right thing to do  michael sandel

Justice what s the right thing to do michael sandel

... rationale for assisted suicide is hard to disentangle from the compassion rationale To assess the moral force of the self-ownership idea, consider a case of assisted suicide that does not involve ... think is the highest, or worthiest? Invariably The Simpsons gets the most votes as most enjoyable, followed by Shakespeare (A few brave souls confess their fondness for the WWE.) But when asked ... of the sum of the individuals who comprise it Citizens and legislators should therefore ask themselves this question: If we add up all of the benefits of this policy, and subtract all the costs,...

Ngày tải lên: 20/07/2014, 20:30

198 730 3
Báo cáo toán học: " Infinite-Dimensional Ito Processes with Respect to Gaussian Random Measures and the Ito Formula" potx

Báo cáo toán học: " Infinite-Dimensional Ito Processes with Respect to Gaussian Random Measures and the Ito Formula" potx

... denotes the composition of mappings u and v Proof We have to prove t g(t, Xt ) = ∂g ∂g (s, Xs ) + (s, Xs )a (s) ds ∂t ∂x ∂ 2g ∂g (s, Xs ) ◦ b + (s, Xs ) ◦ c2 (s) dQ ∂x ∂x2 ∂g (s, Xs ) ◦ c (s) dQs a .s ... shows that the quadratic variation of a symmetric Gaussian random measure is its covariance measure Sec will be concerned with the definition of Ito process and the establishment of the general Ito ... (n) (s, Xs ) ◦ b(n) + (s, Xs ) ◦ (c(n) )2 (s) dQ ∂x ∂x2 + t + ∂g (s, Xs ) ◦ c(n) (s) dZs ∂x (10) ∂g The boundedness of together with (9) imply that the left-hand side of (10) ∂x converges to the...

Ngày tải lên: 06/08/2014, 05:20

18 155 0
Báo cáo toán học: "Flattening Antichains with Respect to the Volume" doc

Báo cáo toán học: "Flattening Antichains with Respect to the Volume" doc

... describing the list of the (K + 1)-sets in squashed order The idea of the squashed order is to use as few elements as possible when listing the sets The first (K + 1)-set is {1, , K + 1} This set is ... of sets That is, the new-shadow of B is the contribution of the sets in B to the shadow of the first p k-sets in squashed order, where p is such that the pth set in squashed order is the last set ... following lemmas are similar to the proof of Lemma and we shall try to keep them as short as possible We need to discuss the cases n odd and n even separately Without loss of generality we assume that...

Ngày tải lên: 07/08/2014, 06:20

12 302 0
Báo cáo lâm nghiệp: "Nutrients in the aboveground biomass of substitute tree species stand with respect to thinning – blue spruce (Picea pungens Engelm.)" doc

Báo cáo lâm nghiệp: "Nutrients in the aboveground biomass of substitute tree species stand with respect to thinning – blue spruce (Picea pungens Engelm.)" doc

... trees left within the stand (with respect to their effects on the forest environment, especially in these heavily disturbed forest ecosystems)? Therefore, we focused on three topics: (1) Quantification ... years Similar studies of young Norway spruce (Picea abies [L.] Karst.) stands were published in the Czech Republic Results of these studies showed higher values of aboveground biomass – 14-yearsold ... mass at the stand level was done using the constructed equations During the period of investigation (age of 12–21 years) the total biomass of investigated stand increased from 6.1 to 56.2 thousand...

Ngày tải lên: 07/08/2014, 10:21

7 328 0
Báo cáo lâm nghiệp: "Rationalization of the performance of a mobile off-road system working in the forest environment with respect to its emission load" doc

Báo cáo lâm nghiệp: "Rationalization of the performance of a mobile off-road system working in the forest environment with respect to its emission load" doc

... ∂t (m3 /s) (5) The necessary conditions shown below are valid for the extreme of the function of specific heterogeneous substance emissions, related to the volume unit of processed mass as the function ... are used in the field of forest management The specific heterogeneous substance emissions are proportional to the different used systems Factors affecting specific resource and material consumption: ... different typified sizes, i.e their use usually leads to a certain oversize; – Dimensional changes in stages (material flows processed by the logging and transport systems), resulting from the changed...

Ngày tải lên: 07/08/2014, 10:21

6 344 0
Báo cáo lâm nghiệp: "Relationships between the parameters of aboveground parts and the parameters of root plates in Norway spruce with respect to soil drainage" docx

Báo cáo lâm nghiệp: "Relationships between the parameters of aboveground parts and the parameters of root plates in Norway spruce with respect to soil drainage" docx

... by these regression models Therefore, it seems that the greatest problem is to estimate the thickness of root plates, because no correlation be- Table Statistically optimal regression equations ... (Rrp), distance from the stem centre to the hinge (PRrp) (a), thickness across the plate (T rp) in spruce trees growing in waterlogged sites (b), thickness across the plate (T rp) in spruce trees growing ... (1996) observed that the spread of the root system of Picea sitchensis trees and the ratio of root mass to shoot mass (root/shoot ratio) were both negatively related to the root plate depth in soil...

Ngày tải lên: 07/08/2014, 10:22

8 326 0
báo cáo khoa học: " Innocent parties or devious drug users: the views of primary healthcare practitioners with respect to those who misuse prescription drugs" ppt

báo cáo khoa học: " Innocent parties or devious drug users: the views of primary healthcare practitioners with respect to those who misuse prescription drugs" ppt

... basis via the NZ Illicit Drug Monitoring System (IDMS) gives us some insight into trends with regard to these substances Recent results, for example, illustrate some key differences between the ... (who she viewed as an ‘overuser’) would be using the prescribed drugs differently to patients who she classified as ‘abusers’, and she highlights what she sees as the differences between the two ... typologies they attributed to the prescription drug misuser The positioning of the ‘abuser’, for example, as someone trying to swindle the health system and whose access to prescription medications...

Ngày tải lên: 11/08/2014, 18:20

11 351 0
unit 4 What''s the weather like?

unit 4 What''s the weather like?

... Discuss these questions Would you like to visit any of the places in part A? Is the weather important? What s the weather like today where you live? What was the weather like last weekend? Is ... work Discuss these questions Is the weather forecast better for Saturday or Sunday? What you think the weather will really be like next weekend? Which day last weed had the best weather? What did ... winds traffic accidents frostbite power losses wildfires Blizards Heat waves C join another pair Compare your ideas Can you add any more words and phrases to part B.? D Group work Discuss these...

Ngày tải lên: 03/07/2013, 21:51

13 997 2
Tài liệu Báo cáo khoa học: "Seeing stars: Exploiting class relationships for sentiment categorization with respect to rating scales" doc

Tài liệu Báo cáo khoa học: "Seeing stars: Exploiting class relationships for sentiment categorization with respect to rating scales" doc

... “meaningless”, “disgusting” (class 0); “pleasant”, “uneven” (class 1); and “oscar”, “gem” (class 2) for the three-class case, and, in the four-class case, “flat”, “tedious” (class 1) versus “straightforward”, ... to class-specific characteristics, especially since for the non-majority classes there is less data available; whereas in the three-class setting the categories are better modeled as quite distinct ... to both semi-supervised (via graph-theoretic techniques) and supervised settings, that alters a given -ary classifier s output so that similar items tend to be assigned similar labels Pooled Subject...

Ngày tải lên: 20/02/2014, 15:20

10 511 0
Báo cáo khoa học: "Evaluating language understanding accuracy with respect to objective outcomes in a dialogue system" doc

Báo cáo khoa học: "Evaluating language understanding accuracy with respect to objective outcomes in a dialogue system" doc

... disregarding the class sizes; microaverage weighs the per-class scores by class size The overall classification accuracy (defined as the number of correctly classified instances out of all instances) is mathematically ... rules to extract the domain-specific semantic representations of student utterances from the text The student answer is first classified with respect to its domain-specific speech act, as follows: ... incomplete, with some parts of the expected answer missing The student s answer contains something incorrect or contradicting the expected answer, rather than just an omission The student s statement is...

Ngày tải lên: 08/03/2014, 21:20

11 388 0
Trả lời câu hỏi "What''''s the date today?" thế nào? pdf

Trả lời câu hỏi "What''''s the date today?" thế nào? pdf

... Thursday Thu Friday Fri Saturday Sat Sunday Sun Năm Từ năm 2000 trở đi, năm đọc giống s đếm 2000 - two thousand 2003 - two thousand and three Những năm trước có cách đọc khác: nhóm s vào nhóm nối nhóm ... Feb August Aug March Mar September Sept April Apr October Oct May - November Nov June - December Dec Dạng viết tắt dạng đầy đủ Ngày: Ngày Viết tắt Monday Mon Tuesday Tue Wednesday Wed Thursday Thu ... What s the date today?” Với câu hỏi này, người Anh trả lời nào? Người Mỹ trả lời nào? Có khác văn nói văn viết không? Sau đọc xong viết sau, bạn trả lời tất câu hỏi...

Ngày tải lên: 19/03/2014, 19:20

7 1,1K 0
báo cáo hóa học:" Cadaveric and three-dimensional computed tomography study of the morphology of the scapula with reference to reversed shoulder prosthesis" pptx

báo cáo hóa học:" Cadaveric and three-dimensional computed tomography study of the morphology of the scapula with reference to reversed shoulder prosthesis" pptx

... four screws to be located in the base of the coracoid process, the upper posterior column of the scapula and the body of the glenoid respectively It is supposed that the better the peg and screws ... peg and/or screws location may affect stability of the implant as it has been shown in previous studies [24] It is also to be supposed that the more the screws run inside the bone, the better ... superior one to the base of the coracoid process and the inferior one to the upper posterior column of the scapula The anterior and the posterior screws should be placed into the body of the glenoid...

Ngày tải lên: 20/06/2014, 01:20

8 391 0
Báo cáo hóa học: " Research Article On Meromorphic Harmonic Functions with Respect to k-Symmetric Points" potx

Báo cáo hóa học: " Research Article On Meromorphic Harmonic Functions with Respect to k-Symmetric Points" potx

... 1.10 K Al-Shaqsi and M Darus For more details about harmonic functions with respect to k-symmetric points, see papers 7, given by the authors ¨ ¨ Also, note that MHSs j, 0, α ⊂ MHS∗ n, α was introduced ... functions to be in the class MHSs j, m, α Also, we obtain k distortion bounds and characterize the extreme points for functions in MHSs Convolution and closure theorems are also obtained j, m, ... is negative This contradicts the required condition for fj ∈ MHSs is complete j, m, α and so the proof Distortion bounds and extreme points k In this section, we will obtain distortion bounds...

Ngày tải lên: 22/06/2014, 02:20

11 216 0
What''''s the matter? potx

What''''s the matter? potx

... Agree Strongly: Definitely, I’m sure Đồng ý - Agree: I think so, I guess so, I suppose so Không chắn - Not Sure: maybe, possibly perhaps Không đồng ý - Disagree: definitely not, I don’t think so SARAH ... với đại từ I have she has he has it has we have they have you have Thông thường ta rút gọn chúng sau I’ve she s he s it s we’ve they’ve you’ve ANNE I’ve hired a private investigator Ta dùng thể ... I’m sure he s alright If something bad had happened, you would have heard ANNE I guess so I suppose you’re right SARAH Goodness! Do you think he’ll find him? ANNE Perhaps I don’t know FOR, SINCE,...

Ngày tải lên: 12/07/2014, 03:20

9 279 0
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