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There is also an online ... a practical matter, introducing frailty factors makes default-rate forecasting more dif cult since one needs to forecast the future path of unobserved latent variables Frailty modelling can be important in quantifying the uncertainty surrounding model output, but it may be of limited use in actually generating model forecasts, asserts Albert Metz, a senior credit of cer at Moody s Possibly the best-known (though not the pioneering) work on frailty models has been that of top credit theorist Darrell Duf e In his revolution-inciting Frailty Correlated Default paper, co-authored with three Wall Street quants, the Stanford University mathematical nance guru opens up the debate in clarifyingly direct terms: The probability of extreme default losses on portfolios of US corporate debt is much greater than would be estimated under the standard assumption that default correlation arises only from exposure to observable risk factors [C]onventionally based estimates are downward biased . best free ocr online: Run online gocr in free Ubuntu online, free Fedora online, free Windows online emulator or free MACOS online emulator by ... captcha ocr onlineWithout further ado, here are the best free online OCR Scanner tools for extracting text from the image, PDF and other documents. 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Like all other major zones of continental deformation (e.g. Sections 7.6, 8.6, 10.2.5), the evolution of collisional orogens is governed by the balance among regional and local forces, the strength and rheology of the continental lithosphere, and by processes that change these parameters over time. To determine how interactions among these factors control the development of the Himalayan Tibetan orogen, geoscientists have developed physical and analogue models of continental collision. This section provides a discussion of the main results and different approaches used in this eld of study. 1 Precollisional history. The strength and rheology of the continental lithosphere at the start of continental collision is governed by the pre-collisional history of the two colliding plates. In the case of the Himalayan Tibetan orogen, millions of years of subduction, arc magmatism, terrane accretion, and crustal thickening along the southern margin of Eurasia (Section 10.4.2) weakened the lithosphere. During the India Eurasia collision, the many suture zones, thick ysch sequences, and other weak zones that characterized Eurasia allowed deformation to extend deep into the interior of the continent (Yin & Harrison, 2000; Tapponnier et al., 2001). Unlike Eurasia, the relatively cool and deeply rooted Precambrian shield of India resulted in a relatively strong plate that resisted shortening during collision. The generally high mechanical strength and high elastic thickness of the Indian lithosphere led to its underthrusting beneath southern Tibet (Section 10.4.3). An exception to its generally high strength is the sediment that was deposited on the passive continental margin of northern India from the Early Proterozoic to Paleocene. 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