Climate change is predicted to significantly alter hydrological cycles across the world, affecting runoff, streamflow, and pollutant loads from diffuse sources. The objectives of this study were to examine the impacts of climate change on streamflow, total nitrogen (TN), total phosphorus (TP),...

The consumer credit market -- Credit risk -- Incremental loan profitability -- The fundamentals of price response -- Estimating price response -- Pricing segmentation -- Optimizing prices -- Behavioral economics and credit pricing

Background -- Introduction to pricing and revenue optimization -- Models of demand -- Estimating price response -- Optimization -- Price differentiation -- Pricing with constrained supply -- Revenue management -- Capacity allocation -- Network management -- Overbooking -- Markdown management --...

In the wake of the 2008 financial crisis, it became apparent that pricing loans in a way that is profitable for lenders and sensitive to risk is anything but simple. Increasingly, lenders are following the lead of other retailers by segmenting their market and more precisely targeting customers....