Our paper addresses firm size as a driver of systematic credit risk in loans to small and medium enterprises (SMEs). Key contributions are the use of a unique data set of SME lending by over 400 German banks and relating systematic risk to the size dependence of regulatory capital requirements. What sets our sample apart is its comprehensive coverage of the particularly rich and well developed ...

We hypothesize that enhancing computer tutors to respond to student uncertainty over and above correctness is one method for increasing both student learning and self-monitoring abilities. We explore this hypothesis using data from an experiment with a wizarded spoken tutorial dialogue system, where tutor responses to uncertain and/or incorrect student answers were manipulated. Our results sugg...

Eliciting student participation in large college classes is notoriously difficult yet critical to learning. This paper describes a design experiment with a computer-mediated feedback system for promoting class interaction. We delineate specific challenges to interaction and propose design principles to address them in computer-mediated systems. A prototype realizing these principles establishes...