LendingHand Slides
•
0 likes•242 views
LendingHand is a platform that uses machine learning models to help users invest in loans from Lending Club. The document discusses how LendingHand analyzes over 750,000 past loans and 80 features to build models that predict loan default risk and return. These models are then used to select loans that can achieve higher risk-adjusted returns compared to random selection. Key features like occupation and loan titles are found to impact default rates. Portfolio performance is backtested using the machine learning models to demonstrate their ability to outperform naive strategies.
Report
Share
Report
Share
Recommended
Dimensional planning (Devoxx 2009)
The document discusses dimensional planning, which is a technique for iterative and incremental planning at both the micro and macro levels. It involves meeting dimensions along multiple functional and non-functional axes. At the micro level, it is applied to features and user stories. At the macro level, it considers alternative futures. The rationale for dimensional planning includes theories like the theory of constraints, return on investment, quality, lead time, and throughput accounting. It is compatible with various methodologies like user story mapping and real options analysis.
Clark-Minton-2016_Driving_Segregation
This document summarizes research on trends in driving licence uptake in the UK and examines potential inequalities. It finds that while licence holding has increased over time and converged between men and women born in the 1950s-1960s, it has declined slightly for those born after the 1970s, especially for men. Licence holding is lower in urban versus rural areas but shows similar age effects between genders. Social class strongly influences trends, with the largest declines seen in lower social classes. The researchers conclude that while increased gender parity may reflect choice, period effects among younger cohorts and differences by social class and location point to economic constraints as a bigger factor in declining mobility.
Presented at useR! 2010
This document discusses how Lucid Commerce, a direct response television marketing company, uses R and SQL Server to analyze customer data and create analytics products. It provides a case study on using R to build a boxplot visualization tool within SQL Server Reporting Services and deploying a regression forecasting model by saving results from R scripts back to the database. The workflow allows publishing analytic results on a web portal for internal and client use.
examkiller 000-938
The three parameters required when configuring an Email Reader service in IBM Tivoli Netcool Impact are:
1. Mail Server
2. Mailbox
3. Mail Protocol
1440 track 2 boire_using our laptop
This document discusses feature engineering and machine learning approaches for predicting customer behavior. It begins with an overview of feature engineering, including how it is used for image recognition, text mining, and generating new variables from existing data. The document then discusses challenges with artificial intelligence and machine learning models, particularly around explainability. It concludes that for smaller datasets, feature engineering can improve predictive performance more than complex machine learning models, while large datasets are better suited to machine learning approaches. Testing on a small travel acquisition dataset confirmed that traditional models with feature engineering outperformed neural networks.
Подготовка к Экзамену Microsoft 70-411 (MCSA: Windows Server 2012)
•Характеристики экзамена
•Как правильно интерпретировать вопросы
•Подготовка к экзамену:
◦Темы экзамена и их процентное соотношение – рассматриваем с примерами и на что обратить внимание!
◦Вопросы с практическими заданиями
Embracing service-level-objectives of your microservices in your Cl/CD
Embracing service-level-objectives of your microservices in your Cl/CD
This presentation discusses defining service level objectives (SLOs) for microservices and using them to automate quality gates in continuous integration/continuous delivery (CI/CD) pipelines. It presents the open-source Keptn framework, which can provide quality gates for microservices running on Kubernetes clusters based on defined SLOs. The presentation covers how SLOs and service level indicators (SLIs) can help prevent bad code from reaching production and configure alerts, and demonstrates Keptn's automated SLO evaluation and a use case for performance as a self-service tool.
Oracle Real Application Testing: A Business Case
This document presents a business case for adopting Real Application Testing (RAT) to test upgrades and patches for a large insurance company's data warehousing system. It estimates that using RAT could reduce testing labor hours by 41% and yield a payback period of less than 12 months due to savings in upgrade costs, monthly patching costs, and production support costs. Adopting RAT could potentially provide even greater savings if it was used to test all 53 applications in the system or reduce issues across all patch upgrades.
Recommended
Dimensional planning (Devoxx 2009)
The document discusses dimensional planning, which is a technique for iterative and incremental planning at both the micro and macro levels. It involves meeting dimensions along multiple functional and non-functional axes. At the micro level, it is applied to features and user stories. At the macro level, it considers alternative futures. The rationale for dimensional planning includes theories like the theory of constraints, return on investment, quality, lead time, and throughput accounting. It is compatible with various methodologies like user story mapping and real options analysis.
Clark-Minton-2016_Driving_Segregation
This document summarizes research on trends in driving licence uptake in the UK and examines potential inequalities. It finds that while licence holding has increased over time and converged between men and women born in the 1950s-1960s, it has declined slightly for those born after the 1970s, especially for men. Licence holding is lower in urban versus rural areas but shows similar age effects between genders. Social class strongly influences trends, with the largest declines seen in lower social classes. The researchers conclude that while increased gender parity may reflect choice, period effects among younger cohorts and differences by social class and location point to economic constraints as a bigger factor in declining mobility.
Presented at useR! 2010
This document discusses how Lucid Commerce, a direct response television marketing company, uses R and SQL Server to analyze customer data and create analytics products. It provides a case study on using R to build a boxplot visualization tool within SQL Server Reporting Services and deploying a regression forecasting model by saving results from R scripts back to the database. The workflow allows publishing analytic results on a web portal for internal and client use.
examkiller 000-938
The three parameters required when configuring an Email Reader service in IBM Tivoli Netcool Impact are:
1. Mail Server
2. Mailbox
3. Mail Protocol
1440 track 2 boire_using our laptop
This document discusses feature engineering and machine learning approaches for predicting customer behavior. It begins with an overview of feature engineering, including how it is used for image recognition, text mining, and generating new variables from existing data. The document then discusses challenges with artificial intelligence and machine learning models, particularly around explainability. It concludes that for smaller datasets, feature engineering can improve predictive performance more than complex machine learning models, while large datasets are better suited to machine learning approaches. Testing on a small travel acquisition dataset confirmed that traditional models with feature engineering outperformed neural networks.
Подготовка к Экзамену Microsoft 70-411 (MCSA: Windows Server 2012)
•Характеристики экзамена
•Как правильно интерпретировать вопросы
•Подготовка к экзамену:
◦Темы экзамена и их процентное соотношение – рассматриваем с примерами и на что обратить внимание!
◦Вопросы с практическими заданиями
Embracing service-level-objectives of your microservices in your Cl/CD
Embracing service-level-objectives of your microservices in your Cl/CD
This presentation discusses defining service level objectives (SLOs) for microservices and using them to automate quality gates in continuous integration/continuous delivery (CI/CD) pipelines. It presents the open-source Keptn framework, which can provide quality gates for microservices running on Kubernetes clusters based on defined SLOs. The presentation covers how SLOs and service level indicators (SLIs) can help prevent bad code from reaching production and configure alerts, and demonstrates Keptn's automated SLO evaluation and a use case for performance as a self-service tool.
Oracle Real Application Testing: A Business Case
This document presents a business case for adopting Real Application Testing (RAT) to test upgrades and patches for a large insurance company's data warehousing system. It estimates that using RAT could reduce testing labor hours by 41% and yield a payback period of less than 12 months due to savings in upgrade costs, monthly patching costs, and production support costs. Adopting RAT could potentially provide even greater savings if it was used to test all 53 applications in the system or reduce issues across all patch upgrades.
Top 10 highest paying jobs by salaries in 2018
Salesforce is one of the best technology which is offering highest salary for Salesforce developer, Salesforce administrator and more.
Williams, Kirk iSetup OAUG 2004 V3
The document discusses Oracle iSetup, a tool that simplifies the setup and administration of the Oracle E-Business Suite. It reduces implementation time, cost and risk by automating the collection of setup requirements, configuration, data migration between environments, and reporting. The key components of iSetup - Configurator, Migrator and Reporter - and how they streamline the implementation lifecycle are described. Product support and the benefits of using iSetup to improve margins, reduce costs and risks are also summarized.
Sql Server 2008 Portfolio
Eugene Kilpatrick completed an intensive SQL Server training program to enhance his skills as a database administrator. This portfolio contains details of three projects from the program: a library database using stored procedures, a bank database using triggers, views and stored procedures, and a movie rental database with SSRS reports. The portfolio demonstrates his skills in database design, XML processing, and using SQL Server tools like SSMS and SSRS.
Metis Project 2: Predicting Worldwide Gross - JungleBoogie
Using linear regression to predict Worldwide Gross of movies by determining the features most influential to their success.
Benefits of Cloud Hosting and SaaS Solutions for IT Solution Providers and th...
This presentation provides information on what Cloud, Hosting, and SaaS solutions are, and how they can be resold by IT Solution providers to build a profitable monthly recurring business, and the cost savings benefits to end customers for using these solutions.
Lalit Kumar_Quality Asscociate_3 years
This document contains a summary of Lalit Kumar's qualifications and experience as a software test engineer. He has over 4 years of experience in testing at Wipro Technologies. Some of the key projects he has worked on include testing the Credit Risk Information System for Credit Suisse, testing the Marketplace section of the Best Buy website, and testing incentive calculations for Walmart employees. His responsibilities have included writing SQL queries, test case creation, regression testing, and defect reporting. He has a Bachelor's degree in Computer Science and is proficient in English and Hindi.
Arshad Resume
Arshad Ali is a Setup Configuration Analyst with 1.9 years of experience working at Aon Hewitt. He has a Bachelor's degree in Computer Science and is proficient in SAS programming, SQL, DB2, Microsoft Office, and various operating systems. His responsibilities include writing SAS code to fulfill client requirements, analyzing and managing data, generating reports, and training new hires. He has worked on projects for Ricoh Americas Corporation involving data analysis, configuration, testing, and debugging to meet annual enrollment and web portal needs.
Applying Machine Learning for Mobile Games by Neil Patrick Del Gallego
Presented during DevCon Summit 2016 #DevFutureForward on November 5-6, 2016 at SMX Convention Center Manila, Mall of Asia Complex, Pasay City.
RakeshReddy-CV
The document provides a summary of Rakesh Reddy Malreddy's professional experience and qualifications. He has over 7 years of experience designing and developing applications using Microsoft .NET technologies such as C#, ASP.NET, and SQL Server. His experience includes projects for clients such as Deloitte, Accenture, and Diageo. He is proficient in technologies like .NET, SQL Server, HTML, and AJAX.
Como a virtualização de serviços e de rede podem ajudar no desenvolvimento e ...
Este material foi apresentado durante o TDC 2014 em São Paulo. Ele dá uma visão geral sobre o assunto e como as ferramentas HP Service Virtualization e HP Network Virtualization podem ajudar no processo de desenvolvimento e qualidade de software.
CSCCIX2005
The document discusses optimization approaches for credit limit management. It begins with a background on traditional credit limit change programs and efforts to improve decisions. The ideal credit limit optimization (CLO) solution is described as identifying an optimal solution without lengthy testing, optimizing specific goals like profit, and accounting for uncertainty. Various CLO solution components are then outlined, including data requirements, action-effect models, optimization problem formulations, and deployment challenges. Both linear and non-linear programming optimization approaches are presented, along with discussions of robust optimization and Markov decision processes.
Developing a Culture of Quality Code (Midwest PHP 2020)
This document discusses developing a culture of quality code. It defines quality code as code that is purposeful, maintainable, reliable, efficient, secure and optimized for size. It recommends that individuals focus on techniques like writing clean code, using automated testing and code reviews. It also recommends teams implement processes like requiring testing, conducting code reviews and adopting coding standards. The goal is to improve code quality and maintainability over time by altering both individual and team practices.
Cicilya (4.5 years experience in Software Testing)
This document is a resume for a Quality Engineer with over 4 years of experience in manual and automated testing. Some key highlights include:
- Experience in testing mobile, web, banking, and STB applications across various roles and companies. Skilled in all phases of testing from requirements gathering to automation.
- Technical skills include Selenium, SQL, Java, shell scripting, and testing tools like JIRA, HP Quality Center.
- Education includes a Bachelor's degree in Computer Science. Details are provided on 5 projects involving roles like test engineer and quality engineer on various banking, telecom, and engineering applications.
Define and Manage Requirements with IBM Rational Requirements Composer
The document provides an overview of a hands-on lab session on IBM Rational Requirements Composer (RRC). The lab aims to demonstrate how RRC can help teams collaborate to define, manage and trace requirements across the software development lifecycle. The lab covers topics like importing and linking requirements, modeling business processes and use cases, conducting reviews, and generating work items and test cases from requirements. Known issues encountered in the labs are also documented.
Mstr meetup
BI Team @ LinkedIn hosted a user group meeting for MicroStrategy customers in bay area. Presentation includes information about LinkedIn, concepts of metadata driven model for business dashboards, customizations using SDK, JSP and JQUERY.
Alleman coonce-agile-2017 may2
Overview of Software Development Life Cycle Models. Why traditional parametric estimating tools do not help estimate a software project developed using the Agile model. Explain and demonstrate the “nearest neighbor” analogy technique to estimate Agile software projects. Data and actions needed to implement the nearest neighbor technique
Using Lean Thinking to Identify and Address Delivery Pipeline Bottlenecks
Inefficient software delivery impacts the entire business, from line of business units, to operations, to development and test, and the variety of suppliers.
Wastes in your processes are causing bottlenecks.
Join Eric Minick, IBM DevOps Evangelist (and UrbanCode guy), as he explores how ‘Lean Thinking’ techniques can be leveraged to help identify ‘bottlenecks’ in your delivery pipeline that can be addressed by adopting DevOps.
Building a scalable and profitable saa s business model
The document discusses building a scalable and profitable SaaS business model. It outlines challenges in areas like sales, customer service, and product engineering for SaaS companies. It then presents the Cello solution, a suite of services that can help with business management, customer service, and creating an engineered product. Cello addresses issues like subscription management, customer implementation, product scalability, and security. The presentation emphasizes that being successful in SaaS requires focusing on both selling capabilities and customer service operations, in addition to core engineering of the product.
Slcm webinar
This document discusses building a scalable and profitable software as a service (SaaS) business model. It covers common challenges in SaaS business management, customer service, and product engineering. It then introduces Cello as a solution that provides features and services to help address these challenges, including automating customer implementations and requests, tracking usage and payments, and enabling self-service customer portals. Cello aims to help SaaS businesses scale efficiently while improving the customer experience.
Delivering Business Value with the Next Generation Data Center
The document discusses Oracle's next generation data center strategy, including consolidating their infrastructure, building large scale data centers, and using virtualization and cloud technologies to more efficiently manage their growing computing needs. It provides details on Oracle's projects to build new data centers and expand existing ones to optimize for energy efficiency and handle exponential data growth. The strategy allows Oracle to rapidly deploy resources globally, increase utilization rates, and reduce costs through automation and standardization.
Ending stagnation: How to boost prosperity across Scotland
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
More Related Content
Similar to LendingHand Slides
Top 10 highest paying jobs by salaries in 2018
Salesforce is one of the best technology which is offering highest salary for Salesforce developer, Salesforce administrator and more.
Williams, Kirk iSetup OAUG 2004 V3
The document discusses Oracle iSetup, a tool that simplifies the setup and administration of the Oracle E-Business Suite. It reduces implementation time, cost and risk by automating the collection of setup requirements, configuration, data migration between environments, and reporting. The key components of iSetup - Configurator, Migrator and Reporter - and how they streamline the implementation lifecycle are described. Product support and the benefits of using iSetup to improve margins, reduce costs and risks are also summarized.
Sql Server 2008 Portfolio
Eugene Kilpatrick completed an intensive SQL Server training program to enhance his skills as a database administrator. This portfolio contains details of three projects from the program: a library database using stored procedures, a bank database using triggers, views and stored procedures, and a movie rental database with SSRS reports. The portfolio demonstrates his skills in database design, XML processing, and using SQL Server tools like SSMS and SSRS.
Metis Project 2: Predicting Worldwide Gross - JungleBoogie
Using linear regression to predict Worldwide Gross of movies by determining the features most influential to their success.
Benefits of Cloud Hosting and SaaS Solutions for IT Solution Providers and th...
This presentation provides information on what Cloud, Hosting, and SaaS solutions are, and how they can be resold by IT Solution providers to build a profitable monthly recurring business, and the cost savings benefits to end customers for using these solutions.
Lalit Kumar_Quality Asscociate_3 years
This document contains a summary of Lalit Kumar's qualifications and experience as a software test engineer. He has over 4 years of experience in testing at Wipro Technologies. Some of the key projects he has worked on include testing the Credit Risk Information System for Credit Suisse, testing the Marketplace section of the Best Buy website, and testing incentive calculations for Walmart employees. His responsibilities have included writing SQL queries, test case creation, regression testing, and defect reporting. He has a Bachelor's degree in Computer Science and is proficient in English and Hindi.
Arshad Resume
Arshad Ali is a Setup Configuration Analyst with 1.9 years of experience working at Aon Hewitt. He has a Bachelor's degree in Computer Science and is proficient in SAS programming, SQL, DB2, Microsoft Office, and various operating systems. His responsibilities include writing SAS code to fulfill client requirements, analyzing and managing data, generating reports, and training new hires. He has worked on projects for Ricoh Americas Corporation involving data analysis, configuration, testing, and debugging to meet annual enrollment and web portal needs.
Applying Machine Learning for Mobile Games by Neil Patrick Del Gallego
Presented during DevCon Summit 2016 #DevFutureForward on November 5-6, 2016 at SMX Convention Center Manila, Mall of Asia Complex, Pasay City.
RakeshReddy-CV
The document provides a summary of Rakesh Reddy Malreddy's professional experience and qualifications. He has over 7 years of experience designing and developing applications using Microsoft .NET technologies such as C#, ASP.NET, and SQL Server. His experience includes projects for clients such as Deloitte, Accenture, and Diageo. He is proficient in technologies like .NET, SQL Server, HTML, and AJAX.
Como a virtualização de serviços e de rede podem ajudar no desenvolvimento e ...
Este material foi apresentado durante o TDC 2014 em São Paulo. Ele dá uma visão geral sobre o assunto e como as ferramentas HP Service Virtualization e HP Network Virtualization podem ajudar no processo de desenvolvimento e qualidade de software.
CSCCIX2005
The document discusses optimization approaches for credit limit management. It begins with a background on traditional credit limit change programs and efforts to improve decisions. The ideal credit limit optimization (CLO) solution is described as identifying an optimal solution without lengthy testing, optimizing specific goals like profit, and accounting for uncertainty. Various CLO solution components are then outlined, including data requirements, action-effect models, optimization problem formulations, and deployment challenges. Both linear and non-linear programming optimization approaches are presented, along with discussions of robust optimization and Markov decision processes.
Developing a Culture of Quality Code (Midwest PHP 2020)
This document discusses developing a culture of quality code. It defines quality code as code that is purposeful, maintainable, reliable, efficient, secure and optimized for size. It recommends that individuals focus on techniques like writing clean code, using automated testing and code reviews. It also recommends teams implement processes like requiring testing, conducting code reviews and adopting coding standards. The goal is to improve code quality and maintainability over time by altering both individual and team practices.
Cicilya (4.5 years experience in Software Testing)
This document is a resume for a Quality Engineer with over 4 years of experience in manual and automated testing. Some key highlights include:
- Experience in testing mobile, web, banking, and STB applications across various roles and companies. Skilled in all phases of testing from requirements gathering to automation.
- Technical skills include Selenium, SQL, Java, shell scripting, and testing tools like JIRA, HP Quality Center.
- Education includes a Bachelor's degree in Computer Science. Details are provided on 5 projects involving roles like test engineer and quality engineer on various banking, telecom, and engineering applications.
Define and Manage Requirements with IBM Rational Requirements Composer
The document provides an overview of a hands-on lab session on IBM Rational Requirements Composer (RRC). The lab aims to demonstrate how RRC can help teams collaborate to define, manage and trace requirements across the software development lifecycle. The lab covers topics like importing and linking requirements, modeling business processes and use cases, conducting reviews, and generating work items and test cases from requirements. Known issues encountered in the labs are also documented.
Mstr meetup
BI Team @ LinkedIn hosted a user group meeting for MicroStrategy customers in bay area. Presentation includes information about LinkedIn, concepts of metadata driven model for business dashboards, customizations using SDK, JSP and JQUERY.
Alleman coonce-agile-2017 may2
Overview of Software Development Life Cycle Models. Why traditional parametric estimating tools do not help estimate a software project developed using the Agile model. Explain and demonstrate the “nearest neighbor” analogy technique to estimate Agile software projects. Data and actions needed to implement the nearest neighbor technique
Using Lean Thinking to Identify and Address Delivery Pipeline Bottlenecks
Inefficient software delivery impacts the entire business, from line of business units, to operations, to development and test, and the variety of suppliers.
Wastes in your processes are causing bottlenecks.
Join Eric Minick, IBM DevOps Evangelist (and UrbanCode guy), as he explores how ‘Lean Thinking’ techniques can be leveraged to help identify ‘bottlenecks’ in your delivery pipeline that can be addressed by adopting DevOps.
Building a scalable and profitable saa s business model
The document discusses building a scalable and profitable SaaS business model. It outlines challenges in areas like sales, customer service, and product engineering for SaaS companies. It then presents the Cello solution, a suite of services that can help with business management, customer service, and creating an engineered product. Cello addresses issues like subscription management, customer implementation, product scalability, and security. The presentation emphasizes that being successful in SaaS requires focusing on both selling capabilities and customer service operations, in addition to core engineering of the product.
Slcm webinar
This document discusses building a scalable and profitable software as a service (SaaS) business model. It covers common challenges in SaaS business management, customer service, and product engineering. It then introduces Cello as a solution that provides features and services to help address these challenges, including automating customer implementations and requests, tracking usage and payments, and enabling self-service customer portals. Cello aims to help SaaS businesses scale efficiently while improving the customer experience.
Delivering Business Value with the Next Generation Data Center
The document discusses Oracle's next generation data center strategy, including consolidating their infrastructure, building large scale data centers, and using virtualization and cloud technologies to more efficiently manage their growing computing needs. It provides details on Oracle's projects to build new data centers and expand existing ones to optimize for energy efficiency and handle exponential data growth. The strategy allows Oracle to rapidly deploy resources globally, increase utilization rates, and reduce costs through automation and standardization.
Similar to LendingHand Slides (20)
Metis Project 2: Predicting Worldwide Gross - JungleBoogie
Metis Project 2: Predicting Worldwide Gross - JungleBoogie
Benefits of Cloud Hosting and SaaS Solutions for IT Solution Providers and th...
Benefits of Cloud Hosting and SaaS Solutions for IT Solution Providers and th...
Applying Machine Learning for Mobile Games by Neil Patrick Del Gallego
Applying Machine Learning for Mobile Games by Neil Patrick Del Gallego
Como a virtualização de serviços e de rede podem ajudar no desenvolvimento e ...
Como a virtualização de serviços e de rede podem ajudar no desenvolvimento e ...
Developing a Culture of Quality Code (Midwest PHP 2020)
Developing a Culture of Quality Code (Midwest PHP 2020)
Cicilya (4.5 years experience in Software Testing)
Cicilya (4.5 years experience in Software Testing)
Define and Manage Requirements with IBM Rational Requirements Composer
Define and Manage Requirements with IBM Rational Requirements Composer
Using Lean Thinking to Identify and Address Delivery Pipeline Bottlenecks
Using Lean Thinking to Identify and Address Delivery Pipeline Bottlenecks
Building a scalable and profitable saa s business model
Building a scalable and profitable saa s business model
Delivering Business Value with the Next Generation Data Center
Delivering Business Value with the Next Generation Data Center
Recently uploaded
Ending stagnation: How to boost prosperity across Scotland
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
University of North Carolina at Charlotte degree offer diploma Transcript
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
学校原件一模一样【微信：741003700 】《(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
Unlock Your Potential with NCVT MIS.pptx
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Discover the Future of Dogecoin with Our Comprehensive Guidance
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
1.2 Business Ideas Business Ideas Busine
Business Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas Powerpoint
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Unlock-the-Power-of-UAN-Your-Key-to-Secure-Retirement.pptx
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
Recently uploaded (20)
Ending stagnation: How to boost prosperity across Scotland
Ending stagnation: How to boost prosperity across Scotland
University of North Carolina at Charlotte degree offer diploma Transcript
University of North Carolina at Charlotte degree offer diploma Transcript
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Discover the Future of Dogecoin with Our Comprehensive Guidance
Discover the Future of Dogecoin with Our Comprehensive Guidance
Upanishads summary with explanations of each upnishad
Upanishads summary with explanations of each upnishad
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...
Applying the Global Internal Audit Standards_AIS.pdf
Applying the Global Internal Audit Standards_AIS.pdf
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Unlock-the-Power-of-UAN-Your-Key-to-Secure-Retirement.pptx
Unlock-the-Power-of-UAN-Your-Key-to-Secure-Retirement.pptx
LendingHand Slides
- 1. LendingHand Helping you invest in Lending Club loans Alex Rhee Insight Data Science SV
- 2. A CrowdFunding Platform $ $$$ $ $ $5.5B 2014 *In USA from PWC
- 5. Workflow 750k entries 80 features Probability of Default
- 6. Workflow Risk Return750k entries 80 features Probability of Default
- 7. Workflow Risk Return750k entries 80 features Probability of Default
- 8. Portfolio Performance Weighted Net Annualized Return *Loans were backtested on completed loans
- 9. Portfolio Performance Weighted Net Annualized Return *Model selection was back tested on completed loans Model – 2% increase over D
- 10. Model Selects for Stability Density Self-Reported Occupation
- 12. Summary Loan selection with machine learning models outperforms naïve portfolios
- 14. Appendix
- 16. Recursive Feature Addition ROC AUC Score Feature Name *ROC AUC score determined by successive addition of best features Engineered Feature
- 17. Feature Selection ROC AUC Score Number of Features
Editor's Notes
- Lending club is a P2P lending system where you and your friends can lend to individuals.
- We have investment amount. Grade of loan which goes from A-F Rate, Term, FICO – What do these things mean? How to balance the interest rate with the grade of loan
- Outperforms by 2.7% Loans were selected for top 5% expNAR
- Outperforms by 2.7% Loans were selected for top 5% expNAR
- In addition, it seems to be selecting for individuals with stability in their lives. Here are jobs that are overrepresented in the loans that the model selected. USPS, Large banks, Govt jobs are largely stable So the model seems to be selecting loans from individuals that have high interest rates and high stability. This is possible because interest rates aren’t set in a market environment.
- Just for fun.