Sentences with phrase «change scoring models»

Until sufficient data is available for us to analyze, it's not prudent to change scoring models.

Vantage score has undergone many changes since it started as initially in my opinion the credit bureaus were so arrogant as they thought they were going to change the scoring model system which originally was 500 - 990 (vantage score 1.0).

Not exact matches

«Watt said that making any changes to the government - sponsored enterprises» credit scoring models before 2019 would be a «serious mistake,» reports HW.

but they show HARD WORK is one thing that matter, that could change the game atleast than just waiting the ball, then punch the ground when failed to score, or stroking her hair posing like a victorian secret models.

This is an incredibly difficult question to answer for a variety of reasons, most importantly because over the years our once vaunted «beautiful» style of play has become a shadow of it's former self, only to be replaced by a less than stellar «plug and play» mentality where players play out of position and adjustments / substitutions are rarely forthcoming before the 75th minute... if you look at our current players, very few would make sense in the traditional Wengerian system... at present, we don't have the personnel to move the ball quickly from deep - lying position, efficient one touch midfielders that can make the necessary through balls or the disciplined and pacey forwards to stretch defences into wide positions, without the aid of the backs coming up into the final 3rd, so that we can attack the defensive lanes in the same clinical fashion we did years ago... on this current squad, we have only 1 central defender on staf, Mustafi, who seems to have any prowess in the offensive zone or who can even pass two zones through so that we can advance play quickly out of our own end (I have seen some inklings that suggest Holding might have some offensive qualities but too early to tell)... unfortunately Mustafi has a tendency to get himself in trouble when he gets overly aggressive on the ball... from our backs out wide, we've seen pace from the likes of Bellerin and Gibbs and the spirited albeit offensively stunted play of Monreal, but none of these players possess the skill - set required in the offensive zone for the new Wenger scheme which requires deft touches, timely runs to the baseline and consistent crossing, especially when Giroud was playing and his ratio of scored goals per clear chances was relatively low (better last year though)... obviously I like Bellerin's future prospects, as you can't teach pace, but I do worry that he regressed last season, which was obvious to Wenger because there was no way he would have used Ox as the right side wing - back so often knowing that Barcelona could come calling in the off - season, if he thought otherwise... as for our midfielders, not a single one, minus the more confident Xhaka I watched played for the Swiss national team a couple years ago, who truly makes sense under the traditional Wenger model... Ramsey holds onto the ball too long, gives the ball away cheaply far too often and abandons his defensive responsibilities on a regular basis (doesn't score enough recently to justify): that being said, I've always thought he does possess a little something special, unfortunately he thinks so too... Xhaka is a little too slow to ever boss the midfield and he tends to telegraph his one true strength, his long ball play: although I must admit he did get a bit better during some points in the latter part of last season... it always made me wonder why whenever he played with Coq Wenger always seemed to play Francis in a more advanced role on the pitch... as for Coq, he is way too reckless at the wrong times and has exhibited little offensive prowess yet finds himself in and around the box far too often... let's face it Wenger was ready to throw him in the trash heap when injuries forced him to use Francis and then he had the nerve to act like this was all part of a bigger Wenger constructed plan... he like Ramsey, Xhaka and Elneny don't offer the skills necessary to satisfy the quick transitory nature of our old offensive scheme or the stout defensive mindset needed to protect the defensive zone so that our offensive players can remain aggressive in the final third... on the front end, we have Ozil, a player of immense skill but stunted by his physical demeanor that tends to offend, the fact that he's been played out of position far too many times since arriving and that the players in front of him, minus Sanchez, make little to no sense considering what he has to offer (especially Giroud); just think about the quick counter-attack offence in Real or the space and protection he receives in the German National team's midfield, where teams couldn't afford to focus too heavily on one individual... this player was a passing «specialist» long before he arrived in North London, so only an arrogant or ignorant individual would try to reinvent the wheel and / or not surround such a talent with the necessary components... in regards to Ox, Walcott and Welbeck, although they all possess serious talents I see them in large part as headless chickens who are on the injury table too much, lack the necessary first - touch and / or lack the finishing flair to warrant their inclusion in a regular starting eleven; I would say that, of the 3, Ox showed the most upside once we went to a back 3, but even he became a bit too consumed by his pending contract talks before the season ended and that concerned me a bit... if I had to choose one of those 3 players to stay on it would be Ox due to his potential as a plausible alternative to Bellerin in that wing - back position should we continue to use that formation... in Sanchez, we get one of the most committed skill players we've seen on this squad for some years but that could all change soon, if it hasn't already of course... strangely enough, even he doesn't make sense given the constructs of the original Wenger offensive model because he holds onto the ball too long and he will give the ball up a little too often in the offensive zone... a fact that is largely forgotten due to his infectious energy and the fact that the numbers he has achieved seem to justify the means... finally, and in many ways most crucially, Giroud, there is nothing about this team or the offensive system that Wenger has traditionally employed that would even suggest such a player would make sense as a starter... too slow, too inefficient and way too easily dispossessed... once again, I think he has some special skills and, at times, has showed some world - class qualities but he's lack of mobility is an albatross around the necks of our offence... so when you ask who would be our best starting 11, I don't have a clue because of the 5 or 6 players that truly deserve a place in this side, 1 just arrived, 3 aren't under contract beyond 2018 and the other was just sold to Juve... man, this is theraputic because following this team is like an addiction to heroin without the benefits

They then used their model to create scores of egg shapes by altering the membrane's stiffness and changing the pressure.

Such models can also better inform the scoring of tax changes, as well as other models of policy, such as those used by the Federal Reserve to characterize how households respond to movements in interest rates.

Decline in cognitive test scores over 10 years (% change = change / range of text × 100) as function of baseline age cohort in men and women, estimated from linear mixed models.

By applying sophisticated mathematical models, researchers were able to analyse morphological changes of the lymph nodes and develop a score to predict an individual's risk of breast cancer spread.

The change in appetite score was analyzed using a mixed - model repeated - measures analysis.

The imprecision of statistical models that estimate year - to - year changes in student test scores to evaluate the quality of individual schools and teachers is sufficiently large that accountability systems frequently sanction success and reward failure.

Economists have already developed a statistical method called value - added modeling that calculates how much teachers help their students learn, based on changes in test scores from year to year.

Statisticians began the effort last year by ranking all the teachers using a statistical method known as value - added modeling, which calculates how much each teacher has helped students learn based on changes in test scores from year to year.

Wealthy philanthropists invested millions of dollars into their own playbook for reforms that spread to Newark and other cities, including Chicago: Close failing schools with low enrollment and test scores; create «charter schools» that get public money but are run by private groups; and move to a business model that makes fundamental changes in hiring, firing and evaluating teachers.

Instead, it shifts to a performance incentive model that rewards or punishes principals based on how their schools» academic growth scores change over time.

This ignores the fact that students are not randomly assigned to teachers, that some students are much more difficult to teach than others, that small changes in student composition can have a large effect on the average scores a teacher achieves, and that recent analyses of value - added models have shown that as many as 20 % of the teachers in the top group one year are in the bottom group the next year.

While the statistical explanation underlying the SGP model is carefully developed, nowhere do the statisticians justify the underlying cause for any change in student score measured.

IIHS noted the Ford Fusion, Nissan Altima, Subaru Legacy, Subaru Outback, Volkswagen Passat and Volkswagen Jetta underwent running changes within the 2013 model year to various areas — like airbag modules and structural elements — to earn their Acceptable scores (or Marginal, in the Jetta's case).

2.0 - liter turbocharged diesel inline - 4 180 horsepower @ 4,000 rpm 318 lb - ft of torque @ 1,750 - 2,500 rpm EPA city / highway fuel economy: 31/42 mpg (RWD), 30/40 mpg (AWD) 3.0 - liter supercharged V6 340 horsepower @ 6,500 rpm 332 lb - ft of torque @ 4,500 rpm EPA city / highway fuel economy: 20/29 mpg (RWD), 20/28 mpg (AWD) 3.0 - liter supercharged V6 380 horsepower @ 6,500 rpm 332 lb - ft of torque @ 4,500 rpm EPA city / highway fuel economy: 20/29 mpg (RWD), 20/28 mpg (AWD) Note: Due to changes in EPA testing to more effectively reflect real - world conditions, some 2017 models show slightly lower fuel - economy scores than their 2016 versions.

GMC's highest - volume vehicle, the Sierra pickup, is the most powerful light - duty pickup on the market, and the first full - size pickup to receive the highest - possible five - star Overall Vehicle Score for safety since the National Highway Traffic Safety Administration changed its New Car Assessment Program for the 2011 model year.

The 2014 model gained an optional lane departure warning system, while 2015 models picked up a power liftgate as well as structural changes to improve the RAV4's crash test scores.

GMC's highest - volume vehicle, the Sierra pickup is the most powerful light - duty pickup on the market, and the first full - size pickup to receive the highest possible five - star Overall Vehicle Score for safety since the National Highway Traffic Safety Administration changed its New Car Assessment Program for the 2011 model year.

Since the debut of the Chevrolet Cruze compact sedan for the 2011 model year, however, the small car landscape changed with the addition of a nimble handling, sharp looking sedan that also boasts top safety scores and is one of the most fuel - efficient sedans in the market (depending on model).

The changes are more generous inside, where all models do away with a CD player but score larger front door pockets (finally big enough to hold bottles), USB inputs relocated more conveniently at the front of the centre console and a classier new multifunction steering wheel from the new CX - 9.

Towing capability maxes out at 9,000 pounds for a RWD SWB model, and falls to 8,400 for a 4WD Navigator L. Due to changes in EPA testing, some 2017 models show slightly lower fuel - economy scores than their 2016 versions.

GMC's highest - volume vehicle, the Sierra pickup, is the most fuel - efficient V - 8 light duty pickup truck on the market, and the first full - size pickup to receive the highest possible five - star Overall Vehicle Score for safety since the National Highway Traffic Safety Administration changed its New Car Assessment Program for the 2011 model year.

This proposal addresses many of the flaws with the existing consumer reporting system, by making common - sense changes that enhance consumers» rights, create more transparency over the consumer reporting and credit scoring process, and increase the accountability of credit reporting agencies, furnishers, and companies that develop credit scoring models and formulas.»

The score could change by the time the consumer receives it, or it may be generated using a different model.

One of the reasons the credit scores change between bureaus is because they do not all use the exact same scoring model.

FICO newest scoring model FICO 9.0 has changed its credit - scoring model by putting less focus on medical debts and will give consumers a break on their score IF they've settled with a collections agency.

This part of the credit scoring model has been changed.

«We're testing how the score we use changes and how we have to change our models because of it.

How credit scores will change FICO, which says its credit scores are used by 90 % of U.S. lenders, says it doesn't see the need to change its credit model to accommodate the loss of public records.

A change coming to credit reports and scores this summer may inspire an overhaul in the data and technology banks use for credit modeling.

Two big changes in this version are rent data will be incorporated at Trans Union and Experian and all zero balance 3rd party collection accounts will be bypassed by the score model.

Since your credit score will change depending on what model is being used to generate (it and what credit report it's based on), you don't have one stable credit score, but rather a range of scores depending on these variables.

For instance, in the past, student loans weren't as prevalent as they are now, Richardson said, and credit scoring models have changed to reflect that.

The company says that most consumers are likely to see a change to their score, reflecting the new risk predicting model.

FICO also makes sure new versions of the FICO ® Score models keep pace with changing consumer credit behaviors, include FICO's newest analytic technology, and are adjusted for data reporting enhancements.

For most of these scoring models, it is important to realize that just having someone look at your credit can result in a change to your credit score.

Each bureau uses their own scoring model, the formulas change and as time passes, and things get weighed differently.

This change, Nitzsche said, was made so consumers would actually benefit by paying the accounts, «because under older scoring models there was no credit score benefit to paying off an old collection debt.»

The current model, VantageScore 3.0, was released in 2013 and changed the scoring structure to include millions of additional consumers who previously were unscored by conventional models.

The agency concluded that «the small number of consumers who had civil judgments or tax liens and experienced a score change large enough to improve their credit profile suggests that any effects on overall model predictiveness (either positive or negative) are likely minimal.»

One of the most exciting and unique things about the xenosaga series is that you can look foward to seeing different character models with each new game because appearence of the characters change with each game, not because the characters have aged but for other reasons.There is one special thing that xenosaga episode three has that should have been in the other xenosaga games is the swimsuit mode because it allows you to watch movie scenes with the characters in there swimsuits but for some reason not all of the movie scenes in xenosaga 3 can be viewed in swimsuit mode, I guess it would have made the movie less serious or something.My favorite movie scenes in xenosaga are blue testament, white testament, KOSMOS verses Black Testament, any movie with Luis Virgil becaus ehe is my favorite character in the game because he's passionate and i don't think that he is a bad guy since he was able to brek free from being a testament and the only real reasons why he became a testament was because he wanted to be able to visit that old church on miltia and to gain power to prevent death.I also love Luis Virgil and all of the movie scenes that he appear in becaus they are very dramatic.The best thing about the xenosaga series is thst the story is very dee, interesting, and shocking and anyone who has played the game in order from episode one through three will definitely say the same thing.There is no doubt that anyone who has completed episode one and two will be stunned when every secret and mystery is unraveled in episode three.The one thing that I can't seem to under stand is why do some of the characters have to travel back to the earth in the end, will shion and the gang make it back to earth or will there descendants finish the mission and find earth in the end, Chaos and Nephilim told the group that the key to saving humanity lies on earth, what I want to know is what is it and how will it be used to save the universe, Even in the end new mysteries arose and remained unraveled.If there is any one outher who has has the awnswer to any of these questions please let me know when you write you're review or else there has just got to be a xenosaga four on the way, (crying) they just can't leave the story end this way.The only thing that dissapointed me about the game at first was the battle system because on the back of the case of xenosaga three said that the best aspect of the previous battles systems from episode one were combined to form a new battle system, If namco had really done this Xenosaga episode three would have had a better battle system in my opinion because I belive that the best aspect of xenosaga episode one were the special atacks wich are better than the those of episode three and the best aspect of episode three as the break system wich was also better than those of episode three.I think that namco should have given xenosaga episode 3 the battle system of episode 2 combined episode ones style of special attack, but doing this would have probably made the battle system of xenosaga episode three boring because the same old tactics would have to be used in a new game and the battle system most likely would not be as realistic as it is but it would probably be cooler.However the ability to summon all four Erde Kaisers including the new Erde Kasier Sgma my most favorite summon in the world at will and use new Ether and Tech attacks along with the new Counter and Revenge abilities gave xenosaaga episode three more than boost that it needed to have an descent battle systemThe E.S battle system of xenosaga episode 3 is way more better than those of episod one and two though, I must say that Namco really outdid themselves with the E.S battle system of xenosaga episode because the other E.S battle system from the two previos games weren't good, luckily they made up for it with the character battle system.In episode one I never really wanted to use anA.G.W.S, lucky for me they were optional but in episode two sadly it is manatory that you pilot an E.S to progress in the game in Episode three you piloting an E.S is also mandatory to progress in the game but the difference between the three episode is that will be sorry in episode three you will ge glad that you are using an E.S because their battle system is extremely cool.Xenosaga is most definitely one of the besrt RPG games in the world andit is far more better than any final fantasy game that Square Enix has ever made but for some reason it still score lower than Some Final Fantasy and other Sqare Enix games on this site.I bet that if xenosaga was actually named Final Fantasy and had a subtitle it and if it wre made by sqare Enix it would have probably been more famous and it would have scored higher even though it is still the same gameIn the end with every thing being written said and done all i can say is that I feel more at peace now that I have defended this underated game.All I have to say now is that TURN BASED GAMES RULE!

Over the last three decades, five IPCC «assessment reports,» dozens of computer models, scores of conferences and thousands of papers focused heavily on human fossil fuel use and carbon dioxide and greenhouse gas emissions, as being responsible for «dangerous» global warming, climate change, climate «disruption,» and almost every «extreme» weather or climate event.

Chief Legal Officers have rated law firms a median score of 3 out of 10 every year from 2009 — 2016 in the question of «law firms» seriousness about changing their legal service delivery model.»

Specifically, the relation of mother's remission status to change in CBCL score was modeled so that the change score was treated as the dependent variable, with mother's remission status as a dichotomous independent variable, and with the baseline value of the CBCL score and the mother's baseline HRDS as covariates.

A covariate was included in the multivariate analyses if theoretical or empirical evidence supported its role as a risk factor for obesity, if it was a significant predictor of obesity in univariate regression models, or if including it in the full multivariate model led to a 5 % or greater change in the OR.48 Model 1 includes maternal IPV exposure, race / ethnicity (black, white, Hispanic, other / unknown), child sex (male, female), maternal age (20 - 25, 26 - 28, 29 - 33, 34 - 50 years), maternal education (less than high school, high school graduation, beyond high school), maternal nativity (US born, yes or no), child age in months, relationship with father (yes or no), maternal smoking during pregnancy (yes or no), maternal depression (as measured by a CIDI - SF cutoff score ≥ 0.5), maternal BMI (normal / underweight, overweight, obese), low birth weight (< 2500 g, ≥ 2500 g), whether the child takes a bottle to bed at age 3 years (yes or no), and average hours of child television viewing per day at age 3 years (< 2 h / d, ≥ 2 h model led to a 5 % or greater change in the OR.48 Model 1 includes maternal IPV exposure, race / ethnicity (black, white, Hispanic, other / unknown), child sex (male, female), maternal age (20 - 25, 26 - 28, 29 - 33, 34 - 50 years), maternal education (less than high school, high school graduation, beyond high school), maternal nativity (US born, yes or no), child age in months, relationship with father (yes or no), maternal smoking during pregnancy (yes or no), maternal depression (as measured by a CIDI - SF cutoff score ≥ 0.5), maternal BMI (normal / underweight, overweight, obese), low birth weight (< 2500 g, ≥ 2500 g), whether the child takes a bottle to bed at age 3 years (yes or no), and average hours of child television viewing per day at age 3 years (< 2 h / d, ≥ 2 h Model 1 includes maternal IPV exposure, race / ethnicity (black, white, Hispanic, other / unknown), child sex (male, female), maternal age (20 - 25, 26 - 28, 29 - 33, 34 - 50 years), maternal education (less than high school, high school graduation, beyond high school), maternal nativity (US born, yes or no), child age in months, relationship with father (yes or no), maternal smoking during pregnancy (yes or no), maternal depression (as measured by a CIDI - SF cutoff score ≥ 0.5), maternal BMI (normal / underweight, overweight, obese), low birth weight (< 2500 g, ≥ 2500 g), whether the child takes a bottle to bed at age 3 years (yes or no), and average hours of child television viewing per day at age 3 years (< 2 h / d, ≥ 2 h / d).

Results of hierarchical linear modeling indicated that statistically significant but substantively minor changes in SOC scores existed across the three grades; these findings support the use of the Grade 5 SOC scores as predictors of subsequent development.