Nowadays information and communication technologies are playing a decisive role in helping the financial institutions to deal with the management of credit Baby Cream risk.There have been significant advances in scorecard model for credit risk management.Practitioners and policy makers have invested in implementing and exploring a variety of new mo
This conference report examines issues of effectiveness, representation and scale in deliberative processes by reporting Glandulars on outcomes of the Participatory Approaches in Science and Technology (PATH) conference.The H-form and action planning (HAP) approach was used to guide 120 participating experts in a plenary workshop as they assessed t
We propose short packet communication in an underlay cognitive radio network assisted by an intelligent reflecting surface (IRS) composed of multiple reconfigurable reflectors.This scheme, called the IRS protocol, operates in only one time slot (TS) using the IRS.The IRS adjusts its phases to give zero received cumulative phase at the secondary des
This work aims to reduce the energy consumption of existing buildings through retrofitting and converting them into net zero energy buildings (NZEBs).Various retrofits for an existing academic building were modeled and analyzed using REVIT software.Energy consumption was reduced to approximately 34% through retrofits, and a Solar System of 41.6 kW