A major advancement in risk management among large financial institutions has been the development of internal risk models.The models encompass institutions’ procedures and techniques for assessing portfolio risk. Commercial bank regulators in the U.S. and abroad have recognized that these “state of the art” risk-management tools provided a framework for addressing important shortfalls of curre...

The vision of ubiquitous digital photos has arrived. Yet, despite their broad popularity, significant shortfalls remain in the tools used to manage them. We believe that with a bit more creativity and effort, the photo industry can solve many of these problems, offering tools which better support accurate, rapid, and safe shared annotations with comfortable and efficient browsing and search. In...

The market forces, governance shortfalls, and a crisis of values that have led to the global financial collapse in 2009 have a frighteningly similar pattern to the collapse of hospital quality that has led to a crisis in patient care. We have stated that you cannot defy the business laws of gravityVthat quality, cost, value, speed, and trust are intrinsically interlocked and tightly coupled. Pe...

Public trust in the safety and efficacy of vaccines is one key to the remarkable success of immunization programs within the United States and globally. Allegations of harm from vaccination have raised parental, political, and clinical anxiety to a level that now threatens the ability of children to receive timely, full immunization. Multiple factors have contributed to current concerns, includ...

The evolution of software reuse over the last 30 plus years is drawn upon to show current achievements, a stable model of components, an approach to reusing components based on architectures, an appreciation of human and organisational problems in reuse, accumulating evidence for the value of reuse approaches. The shortfalls of some current OO methods are pointed out. The significance and limit...

Surgical blitzes to treat eye disease are often used to redress shortfalls in service provision. In developing countries with scarce human and financial resources, such periodic visits from local or overseas health teams may be justified, as they are generally combined with building local capacity. However, Australia has no such resource constraints. Despite this, surgical blitzes occur year af...

An important challenge facing many deregulated electricity markets is dealing with the increasing penetration of intermittent generation. Simulation studies have pointed to the advantages of trading closer to real-time with large amounts of intermittent generation. Using Danish data, I show that, as expected, shortfalls increase the probability of trade on the shortterm market. But in the perio...

In this paper we exploit a volunteer-based information paradigm for archaeological aims. In particular, we present PetroAdvisor, a system supporting several fundamental activities to digitally preserve petroglyph sites. The system also uses a rewarding strategy in order to stimulate people participation to the project, so that those entering useful information gain free archaeological data, tip...

Security counts as a critical barrier to continuing growth of RFID industry due to lack of a proper high performance lightweight protocol-based solution. Amongst recent developments the Fast Lightweight Mutual Authentication Protocol (FLMAP) has been accepted for its superior speed and low complexity features. Here we examine the security strengths of FLMAP through systematic cryptanalysis test...

Although the importance of civil infrastructure is universally recognized, the funding to maintain the U.S. system has proven insufficient over the last several decades. As has been reported recently by ASCE, an estimated $2.2 trillion is needed to bring the country’s overall infrastructure up to good working order. While the increase in infrastructure funding that will accompany this attention...