consumer s fight for truth about credit scores

... intensity), Taste (sweetness, sourness, bitterness, saltiness), Mouth-feel (Firmness, solubility, fineness, stickiness, elastic, variety of aroma, fatness), Aftertaste (sweet, sour, bitter, salty) ... preference scores of consumers All analyses were performed by SAS® version 8.1 and SPAD® version 4.5 III RESULTS Profile of Fondue cheeses a Sensory vocabulary The 38 sensory terms (sensory attributes) ... Butter odor Stickiness President Bo deo no Lactic odor Fineness Overall odor intensity Solubility Elastic Sweetness Firmness Sourness Saltiness Bitterness Figure Conventional Profile scores of fondue...

Ngày tải lên: 20/03/2014, 19:20

... this issue, followed by a discussion of the terms consumer s satisfaction” and consumer dissatisfaction”, and concludes with the definition that is used in this research Consumer s satisfaction ... is surveyed, followed by a discussion of research investigating factors influencing consumer s satisfaction/dissatisfaction Based on the survey of the literature on consumer s satisfaction/dissatisfaction, ... references for researchers, marketers, and leaders for their business On the practice side, some influencing factors on Hanoi consumer s satisfaction their impacts to consumer s satisfaction...

Ngày tải lên: 26/03/2015, 08:54

... and demand databased analyses regarding cost savings Don’t assume automatic and substantive cost savings Do an ROI analysis Consider conversion and ongoing costs, as well as savings Don’t be intimidated ... information systems to those of suppliers, distributors and customers, the cloud also makes it possible for companies to minimize supply disruptions by creating a demand signal, which drives ... industry Accenture has identified six key questions we encourage consumer goods and services decision makers to ask about this stillnew phenomenon By focusing on these questions, executives can start...

Ngày tải lên: 07/03/2014, 10:20

... that sell scores to consumers should make consumers aware that the scores consumers purchase could vary, sometimes substantially, from the scores used by creditors DIFFERENCES BETWEEN CONSUMER- ... comparison across scoring models is for consumers with scores from both models, so the sample used varies across comparisons This approach was used to ensure that differences across scoring models are ... also shows that there appeared to be greater dispersion between the pairs of scores above the median, so that scores were more similar for consumers with worse scores and less similar for consumers...

Ngày tải lên: 22/03/2014, 20:20

... your skill with your keyboard and your voice inspire me; your business sense instructs me Avi Bryant, thanks for your tireless work and promotion on the Seaside framework Special thanks also go ... felt that I needed to bolster my opinions with those of other respected programmers and consultants I asked for many opinions, and published some of the responses Thanks to Mike Clark, Matt Raible, ... all of those I've met at NoFluffJustStuff, this book is as much yours as it is mine You've helped me shape and sharpen these ideas, and you've given me a platform to present them Most of all,...

Ngày tải lên: 07/07/2014, 08:20

... these tools with skill AOP can also help, by letting you write plain old Java objects (POJOs) for your business rules, and isolate services in prepackaged aspects like security and transactions ... managers, who know Java Most major commercial vendors support Java, or a close derivative (C#) As a result, you can buy applications, servers, components, tools, services, and even management consoles ... Better, Faster, Lighter Java that trying to code all crosscutting services and all behaviors into business objects is folly, and inheritance does not go far enough You've got to use tricks, like...

Ngày tải lên: 07/07/2014, 08:20

... the costs The rapid movements from mainframes to Intel servers drove the first tsunami of chaos because the client-server movement hid significant costs:  Management costs skyrocketed It was too ... environment are striking:    It 's incredibly productive It 's easily five times as productive as the closest Java competitor, for certain types of problems It is flexible Some solutions build a default ... position forever By now, the premise of this book should be taking shape for you:  Java is moving away from its base Hard-core enterprise problems may be   easier to solve, but the simplest...

Ngày tải lên: 07/07/2014, 08:20

... limited support for managing strings C programs simply used arrays of characters for strings, like this: char str [ ] = "Hello"; This is going to allocate a fixed-length string to str It 's merely ... libraries In some cases, Sun decided to opt for a simpler, cleaner applications language Java 's research roots as an embedded language drove a simplicity that served it well In other cases, it ... characters And it can never hold a string longer than six characters You could decide to use the C++ string library instead C++ did support the C-style string library for some string-like features For...

Ngày tải lên: 07/07/2014, 08:20

... speaker He invented both Ant and Tomcat, two of the most successful Java open source projects ever His persistent efforts at Sun led to open sourcing both projects He is now one of the best-selling ... course, it 's a strongly typed language, which for some purposes is great, and other purposes not Why you think JDD: I think it comes down to the fact that it 's so successful? server-side programming ... traction for server-side stuff If you need to slush around mass amounts of content, there are content databases (like MarkLogic) that are interesting that use XQuery to work with the stuff inside...

Ngày tải lên: 07/07/2014, 08:20

... Microsoft was the perfect catalyst Software is more prone to monopolies than most other industries because software moves fast and obsolescence can devastate a company For this reason, market share ... Microsoft After supporting proprietary systems aggressively for decades, IBM is embracing open standards in many areas, including relational databases (where it trails Oracle), operating systems (where ... geeks solve a problem often enough, they often build the solution with their own resources Sometimes, they're solving business problems Other times, they're just having fun Use Users then exercise...

Ngày tải lên: 07/07/2014, 08:20

... lower security settings to enable other types of more serious attacks C and C++ also present enormous security concerns C++ applications have full access to operating system APIs and unrestricted ... learn about the activities of a user Most analysts believe that adware has usurped the virus as the top security threat, because these often malicious applications spread so broadly and so quickly ... common suite of libraries that developers could use across languages and operating systems Over time, we discovered the difficulties of porting a technology across many operating systems and programming...

Ngày tải lên: 07/07/2014, 08:20

... solve so many of the critical problems, like distributed transaction processing Static typing is much more important for problems on a massive scale, since such problems are harder to test, bugs ... mapping objectoriented models to relational databases You can distributed coordination of transactions, and manage massive messaging systems with first-class rules engines and workflow You can reach ... to use many of the lightweight HTTP strategies for remoting and web services Different standards and free frameworks will help you manage the services for your business objects, text-based searches,...

Ngày tải lên: 07/07/2014, 08:20

... most promising successor to Struts Spring rather than EJB defines the way that services are applied transparently With Spring, you can attach declarative services like security, transactions, ... takes time to synchronize massive integrated suites of products That 's why you have to wait so long between releases of WebSphere It takes time to build and test on the scale that 's necessary ... from successful implementations More and more, customers look to open source software to solve critical problems, because they innovate so well Just as you've witnessed the rise of open source...

Ngày tải lên: 07/07/2014, 08:20

... as fast, for most jobs Some other languages have excellent XML support They will only get better over time For large enterprise projects requiring things like distributed transactions across ... invention of JSP Take a look at one of the earliest servlet APIs in action: public class HiMom extends HttpServlet { public void doGet(HttpServletRequest req, HttpServletResponse res) throws ServletException, ... think there 's cause to so From the beginning, Java has been a converted systems language The impressive list of libraries expands that scope, and the broad and deep pool of programmers makes it compelling...

Ngày tải lên: 07/07/2014, 08:20

... this huge pipeline of transformations that can't be expressed in Java Fourth, Java 's static type system sucks Actually, all static type systems suck, but Java 's is worse than most It gives you ... much nonessential complexity For instance, it now has four kinds of types: primitives, classes, arrays, and enums All the type types have their own syntax and semantics, which you must learn ... languages is the benefit of strong, static typing strategies Java 's strategy opts for as much compile-time checking as possible Let 's take a quick overview of programming language design, in layman's...

Ngày tải lên: 07/07/2014, 08:20

... developers seek today As you add the Web and other deployment steps, the case for dynamic languages gets more compelling, because you can make changes and immediately see the results, instead of ... snowballs You can't just jump in and evaluate a single line of codethe compiler just doesn't have enough information Instead of just simply evaluating statements, you need to blow out a class, ... parameters You need a cast every time you take something out of a collection This syntax only gets more invasive with generics 4.3.4 Thought Process Some of the costs related to typing are hidden costs...

Ngày tải lên: 07/07/2014, 08:20

... XML emitters or persistence frameworks, we shouldn't care about those costs, right? It 's not that easy You still have to deal with complications in the language, such as inconsistent APIs and added ... opt for strong, static typing There are at least two compelling reasons to so Static typing reduces certain types of errors (like misspelled variable names), and provides more information for ... other considerations The biggest compromise was the inclusion of primitive types This addition means Java is not fully object-oriented, and presents several significant challenges Those who came...

Ngày tải lên: 07/07/2014, 08:20

... uncertainty is not the best place to start 4.5.2 Exceptions Like static typing, Java 's emphasis on checked exceptions seems like it 's on unshakable footing The argument goes something like this: if ... we ask Java to Servlets, XML, JSP, HTML, and many other constructs are strings In fact, I probably work with strings in some form more often than I anything else It 's amazing to me that Java 's ... than it is when it comes to strings Its pattern-matching support is second class, and the major string APIs are at an extremely low level 4.5.5 Simplicity Java 's already a good language for big,...

Ngày tải lên: 07/07/2014, 08:20

... has staying power I believe that a lighter form of web services, called REST, may last REST stands for Representational State Transfer, and it promotes using services the way Internet sites have ... high SOA uses Internet standards That means you can leverage existing infrastructure, like security and existing message protocols I'm not sure that web services, as defined by IBM or Microsoft, ... returns a representation of itself, usually in XML form REST allows and even encourages links REST-based services are based on wellunderstood, mature APIs, so unlike the fragile traditional web services...

Ngày tải lên: 07/07/2014, 08:20

... language must make it easy to use existing relational schemas, as they exist Forcing a surrogate unique identifier rather than a composite primary key also ignores existing realities Perform, and scale ... access Relational databases Focus on relational databases first Database performance Database interactions should be very fast Transactions Enable application transaction demarcation Language security ... the server side is still nowhere near Java 's adoption, though many of the features and capabilities are similar or superior to Java Sun, for all of its success with the Java platform, has not...

Ngày tải lên: 07/07/2014, 08:20