... York University The author acknowledges the helpful suggestions and comments of Keith V Smith, Edward F Renshaw, Lawrence S Ritter and the Journal's reviewer The research was conducted while ... one at a time Another advantage of MDA is the reduction of the analyst's space dimensionality, i.e., from the number of different independent variables to G - dimension(s), where G equals the ... of loan applicants Less time and effort would be spent on companies whose Z score is very high, i.e., above 3.0, while those with low Z scores would signal a very thorough investigation This policy...