A Markov Chain Study on Mortgage Loan Default Stages Ying-Shing Lin‚ PhD Associate Professor‚ Dept. of Accounting Information Systems. National Kaohsiung First University of Science and Technology e-mail:yslin@nkfust.edu.tw (NKFUST) Sheng-Jung Li‚ PhD Assistant Professor‚ Dept. of Finance Shu-Te University e-mail:botato@stu.edu.tw Shenn-Wen Lin PhD Candidate National Kaohsiung First University of Science and Technology e-mail:059180@landbank.com.tw September‚ 2012 Abstract Shifting
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3.3. Atomic H/C and O/C ratio The Atomic H/C and O/C for heavy oil obtained from different HDO solvent is presented in Fig. 2. Conversion and removal of unstable acid‚ aldehyde‚ sugar and water might reduce the O/C ratio. The atomic ratio was calculated by the value of water excluded heavy oil‚ since H/C ratio could also decrease‚ despite hydrogenation. Compared with that of bio-oil (0.9)‚ atomic O/C ratio was effectively reduced via HDO reaction (0.2-0.8)‚ H/C ratio reduced 1.0-2.0 (compared with
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C (346) 1. ________ is the activity‚ set of institutions‚ and processes for creating‚ communicating‚ delivering‚ and exchanging offerings that have value for customers‚ clients‚ partners‚ and society at large. A. Selling C. Marketing B. Advertising D. Mixing Markets A (347) 2. The business philosophy of "produce as much as you can because there is a limitless market" is consistent with which of the following marketing eras? A. production era C. marketing era B. selling
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and shows how they work in C#. Sample Files See Arrays Sample to download and build the sample files discussed in this tutorial. Further Reading * Arrays * 12. Arrays * foreach‚ in * Collection Classes Tutorial Tutorial This tutorial is divided into the following sections: * Arrays in General * Declaring Arrays * Initializing Arrays * Accessing Array Members * Arrays are Objects * Using foreach with Arrays Arrays in General C# arrays are zero indexed;
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sion Computer programming using C++ Given the following classes‚ write the implementation codes and the driver program to demonstrate inheritance using C++. You may add other appropriate member functions and / or data members. class DemoBasePerson { private: double salary; protected: int age; public: char initial; void setPerson(double‚ int‚ char); //sets values for salary‚ age and initial void showPerson( ); //displays values stored in salary‚ age and initial };
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The factors which affect student achievements in the exchange program are threefold. Student’s personality‚ communication skills and financial back up do influence their achievements. First‚ the personality of the students plays the most important role. In order to study and live abroad‚ students should be independent‚ friendly and are good team players. Besides taking care of themselves well‚ they should have good self-discipline to behave properly and achieve satisfactory academic results. Having
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Part 1: The Initial Audit 1) What additional work could the Internal Audit Department perform prior to issuing the audit report? The internal audit’s work is necessary to the entity. The internal audit can accumulate evidences from different documents‚ statements and reports. Their reprehensibility is to provided reasonable assurance in entity’s daily operation. In this case‚ there are some materials has been founded in MCS. From my opinion‚ the internal audit could pay more attention on the manager’s
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of the Federal National Mortgage Association‚ also abbreviated as FNMA. It is one of two of America’s largest mortgage companies‚ along with Freddie Mac (Federal Home Loan Mortgage Corporation – FHLMC).1 Fannie Mae guarantees and purchases loans from mortgage lenders to help ensure families can buy new homes or refinance.2 Fannie Mae was founded in 1938 as part of Franklin Delano Roosevelt’s New Deal during the Great Depression. As borrowers began to default on mortgages during the country’s major
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Why is Vitamin C good for you? Health The most well-known health benefit of blackcurrants is that they contain large amounts of Vitamin C. Vitamins are substances we need to enable our bodies to live‚ grow and reproduce normally. Vitamin C is an essential nutrient - it cannot be made by the human body and we must therefore eat foods which contain it (Bibliography Ref: 13). Because the body breaks down Vitamin C very quickly and does not store very much‚ we need to eat Vitamin C containing foods
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2006) What is vitamin C ? Vitamin C or L-ascorbic acid or L-ascorbate is an essential nutrient for humans and certain other animal species. (Sebastian J. et.al.‚ 2003) Vitamin C is a water-soluble vitamin that is necessary for normal growth and development. It aids in collagen production and reduces fine lines & wrinkles. Collagen loss and disorganisation is part of the process of ageing‚ leading to skin sagging and wrinkle formation. On the other hands‚ vitamin C may include protection against
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