The inclusion of your time-varying covariates into survival analysis has led to better predictions of some time to default in behavioural credit history scoring versions. However, when these time-different covariates are endogenous, There are 2 key problems: estimation bias from the survival product and lack of a prediction framework for future val… Read More

That is Pete Cornwell.Peter Cornwell serves as the chief of stress-testing at Westpac and owns a disgusting dump of a "bar" in Mooney Ponds named Masterson's Pub. Funnily, he still keeps his shitty hag of a dipshit mother living with him in this horrid tiny shit hole.Mastersons Pub is attempting to be purposed as "hipster", which is simply an cover… Read More