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Relevant bibliographies by topics / The decision-making process of credit

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Academic literature on the topic 'The decision-making process of credit'

Author: Grafiati

Published: 4 June 2021

Last updated: 8 February 2022

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Journal articles on the topic "The decision-making process of credit"

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Wu, Wenshuai, Gang Kou, and Yi Peng. "Group decision-making using improved multi-criteria decision making methods for credit risk analysis." Filomat 30, no. 15 (2016): 4135–50. http://dx.doi.org/10.2298/fil1615135w.

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Credit risk analysis is a core research issue in the field of financial risk management. This paper first investigates the analytic hierarchy process (AHP) as a method of measuring index weights for group decision-making (GDM). AHP for group decision-making (AHP-GDM) is then researched and applied, taking into full account the cognitive levels of different experts. Second, the concept of grey relational degree is introduced into the ideal solution of the technique for order of preference by similarity to ideal solution (TOPSIS). This concept fully considers the relative closeness of grey relat

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Le, Hien Thi Kim, Lien Bich Nguyen, and Phuc Do. "Applying OLAP technology to support decision making in sales process." Science and Technology Development Journal 19, no. 2 (2016): 41–57. http://dx.doi.org/10.32508/stdj.v19i2.727.

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OLAP (Online Analytical Processing) is a technology that enables the user to easily and selectively extract and view data from different points of view. It is also an important part of the decision system. This study proposes the decisions in fulfillment process which could be supported by the OLAP technology, including the quality of sales, the main product of the company, the salary and the bonus for sales staff, the credit limit and the price policy for the customer. Furthermore, this research also demonstrates the application of the OLAP technology in the decision making for the main produ

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Liang, Liang, Ren Yan Jiang, and Yin Liang. "A Multicriteria Decision Method with Uncertain Information in Financial Credit Loan Decision-Making." Applied Mechanics and Materials 52-54 (March 2011): 1868–72. http://dx.doi.org/10.4028/www.scientific.net/amm.52-54.1868.

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It is difficult to obtain the correct criteria weights with uncertain information in the multicriteria decision-making. Many methods depend on the subjective estimate. Therefore, a method is presented to evaluate the samples ranking only need the importance order of criteria. It evaluates firstly the overall ranking scores of samples based on the graphical classification and multicriteria hierarchical integrated methods. Subsequently, the relation model between the criteria scores and overall ranking scores of samples is built by linear regression. Finally, a fincial credit loan decision-makin

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Andika, Dhini, and Penda Sudarto Hasugian. "Decision Support System of The People's Business Credit Method Using Analytical Hierarchy Process at Bank Syariah Mandiri Kc. Lubuk Pakam." Journal Of Computer Networks, Architecture and High Performance Computing 2, no. 1 (2020): 120–23. http://dx.doi.org/10.47709/cnapc.v2i1.371.

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Decision support system (DSS) system that can help someone in making decisions that are accurate and right on target. Many problems can be solved by using the SPK. One of them is Determining the eligibility of customers receiving the People's Business Credit (KUR). There are Several methods that can be used in building a DSS, Including Analytical Hierarchy Process (AHP). The application of the AHP method to the decision support system of people's business credit through a number of processes of data transformation starts from Determining the priority scale of each criterion, to getting the fin

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Qi, Xia, Chao Yi, and Jie Li. "The Problems in PPP Project Decision Process in China Comparing with Singapore." Applied Mechanics and Materials 357-360 (August 2013): 2519–23. http://dx.doi.org/10.4028/www.scientific.net/amm.357-360.2519.

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PPP project success not only depends on governmental credit and private sectors capability, but also relies on the scientific and reasonable evaluation in early decision-making stage. By thoroughly research on Singapore PPP project decision-making mechanism, deficiencies of current policy system, government supervision and evaluation mechanism in decision process of PPP project in china were summarized. Based on the findings, the proposal to improve legal framework, policy and regulation system, institutional settings, evaluation technique system as well as other aspects of PPP implementation

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Yang, Chia-Chen, Shang-Ling Ou, and Li-Chang Hsu. "A Hybrid Multi-Criteria Decision-Making Model for Evaluating Companies’ Green Credit Rating." Sustainability 11, no. 6 (2019): 1506. http://dx.doi.org/10.3390/su11061506.

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Along with economic development and social progress, environmental issues are increasingly becoming the subject of public concern. Through green credit, banks intentionally direct money into resource-conserving technology development and environmental protection industries, thus, encouraging enterprises to focus on green products. Therefore, establishing a reasonable green credit evaluation mechanism for banks is an important issue. Based on this, this study combines grey relational analysis (GRA), the Decision-Making Trial and Evaluation Laboratory technique (DEMATEL), analytic network proces

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de Paula, Daniel Abreu Vasconcellos, Rinaldo Artes, Fabio Ayres, and Andrea Maria Accioly Fonseca Minardi. "Estimating credit and profit scoring of a Brazilian credit union with logistic regression and machine-learning techniques." RAUSP Management Journal 54, no. 3 (2019): 321–36. http://dx.doi.org/10.1108/rausp-03-2018-0003.

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Purpose Although credit unions are nonprofit organizations, their objectives depend on the efficient management of their resources and credit risk aligned with the principles of the cooperative doctrine. This paper aims to propose the combined use of credit scoring and profit scoring to increase the effectiveness of the loan-granting process in credit unions. Design/methodology/approach This sample is composed by the data of personal loans transactions of a Brazilian credit union. Findings The analysis reveals that the use of statistical methods improves significantly the predictability of def

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Hartadi, Arief Dwi, and Oktalia Juwita. "Evaluasi Efektifitas Penilaian Kinerja Aplikasi DSS pada Koperasi Simpan Pinjam Keling Kumang." ComTech: Computer, Mathematics and Engineering Applications 4, no. 2 (2013): 826. http://dx.doi.org/10.21512/comtech.v4i2.2520.

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Credit union has a substantial role in supporting the growth of the national economy. A number of credit Unions implements DSS application to promote and accelerate the process of decision-making by management. DSS can provide ease of calculation, accuracy in the calculation and examination. However, an ITinvestment in DSS application, as well as other investments, is a segment that depletes costs and effort. The cost is calculated from the procurement, and continues during maintenance or during the investment implemented. Thus the implementation of DSS on a credit union needs to be measured w

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Misdiyanto, Misdiyanto. "Prediksi Pesediaan Stock Pulsa Menggunakan Fuzzy Linear Regresion." J-SAKTI (Jurnal Sains Komputer dan Informatika) 3, no. 1 (2019): 29. http://dx.doi.org/10.30645/j-sakti.v3i1.93.

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Electronic phone credit (pulsa) sales at this time showed an outstanding increase, because of the needs of phone credit usage every day by the society that has now became a need. Phone credit business will never stop because human always communicate with one another. To ensure the availability of the product in the phone credit server, the phone credit server manager routinely, in a particular period, inventorize the purchase of phone credit products. From the exploration above, the market conditions in a business are always changing, In a business. Process prediction is important for every bu

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Kaciuba, Gail. "Perfect Pizza - Credit Card Processing Decisions." Journal of Business Case Studies (JBCS) 7, no. 6 (2011): 1. http://dx.doi.org/10.19030/jbcs.v7i6.6473.

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This case is based on a consulting project the author conducted with a credit card processing company, although the names and the numbers have been adjusted for use in the classroom. The case describes the nature of the credit card processing industry and asks students to prepare worksheets and graphs to determine credit card costs from the merchants perspective and revenues from the processors perspective. The workbook tasks require the use of absolute and relative cell-referencing and the MAX function, and also contain formatting issues for spreadsheets and graphs. The students are also aske

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Dissertations / Theses on the topic "The decision-making process of credit"

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Andersson, Patric. "Expertise in credit granting : studies on judgment and decision-making behavior." Doctoral thesis, Stockholm : Economic Research Institute, Stockholm School of Economics (Ekonomiska forskningsinstitutet vid Handelshögsk.) (EFI), 2001. http://www.hhs.se/efi/summary/557.htm.

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Liang, Hong, Douc Lu, and Li Tu. "The Perceived Risk and The Consumer Decision-Making Process- A Study on Credit Card Holders." Thesis, Kristianstad University College, Department of Business Administration, 2006. http://urn.kb.se/resolve?urn=urn:nbn:se:hkr:diva-4254.

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<p>The market changing of the credit card segment has driven many credit card providers</p><p>reconstructing their business models and set up strategies in order to attract and retain</p><p>customers. This leads to an idea of studying the underlying factors behind the consumers’</p><p>decision-making of using credit cards. After examining different Consumer Decision-Making</p><p>theories and their influential factors, we find that the perceived risk is not included as an</p><p>influential factor in the Consumer Decision Process (CDP). The perceived risks such as</p><p>financial, psychological,

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So, Mee Chi. "Optimizing credit limit policy by Markov decision process models." Thesis, University of Southampton, 2009. https://eprints.soton.ac.uk/68761/.

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Credit cards have become an essential product for most consumers. Lenders have recognized the profit that can be achieved from the credit card market and thus they have introduced different credit cards to attract consumers. Thus, the credit card market has undergone keen competition in recent years. Lenders realize their operation decisions are crucial in determining how much pofit is achieved from a card. This thesis focuses on the most well-known operating policy: the management of credit limit. Lenders traditionally applied static decision models to manage the credit limit of credit card a

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Ludkiewicz, Helena França Fernandes. "Processo para a tomada de decisão estratégica: um estudo de caso na parceria banco e varejista." Universidade de São Paulo, 2008. http://www.teses.usp.br/teses/disponiveis/12/12139/tde-07102008-161710/.

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A crescente utilização de cartões de crédito, nas últimas décadas do século XX, exigiu adequação do varejo a esse novo meio de pagamento, promovendo uma mudança no relacionamento com seus clientes. Este trabalho analisa o processo de decisão estratégica entre duas organizações, banco e varejista, na implantação de uma operação de cartão de crédito de marca própria, com base em um estudo de multicaso, com enfoque qualitativo, que permitiu aprofundamento e detalhamento do processo decisório em duas empresas de porte similar do setor supermercadista da região sudeste do país: o Sonda Supermercado

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Mello, Bernardo Brazão Rego. "Classificação de risco setorial com base nos métodos Weighted Influence Non-linear Gauge System e Analytic Hierarchy Process." reponame:Biblioteca Digital do Banco Nacional de Desenvolvimento Econômico e Social, 2014. http://web.bndes.gov.br/bib/jspui/handle/1408/5341.

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Bibliografia: p. 46-48<br>Dissertação (mestrado) - Faculdade de Economia e Finanças Ibmec, Rio de Janeiro, 2014.<br>Devido à crescente importância dos mercados financeiros nas últimas décadas, o risco de crédito tem se tornado um tema fundamental na tomada de decisões acerca de investimentos, taxas de financiamento, solvência corporativa, tendência e perspectivas etc. Os modelos de avaliação de risco de crédito, em geral, podem ser classificados em duas categorias: quantitativo e qualitativo. Modelos quantitativos buscam analisar informações de demonstrativos financeiros e seus indicadores, en

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Johansson, Annika, and Hanna Jonsson. "Intellektuellt kapital : En fallstudie om problematiken i kreditbedömningsprocessen." Thesis, Linköpings universitet, Institutionen för ekonomisk och industriell utveckling, 2011. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-72864.

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Bakgrund och problem: Det föreligger en problematik i kreditbedömningsprocessen som berör svårigheten att bedöma ett bolags värde samt dess återbetalningsförmåga. Vanligtvis värderas organisationer utefter sina finansiella rapporter men eftersom de inte alltid inkluderar immateriella tillgångar i form av intellektuellt kapital skapas en informationsasymmetri. Informationsasymmetrin kan vara en orsak till eventuella felbedömningar av ett företags riskutsatthet och framtida utveckling och således till ett nekande av sökt kredit. Forskare lägger skulden på redovisningssystemet men vi vill lyfta

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Lou, Wei Wei. "A Non-decision-reaching Decision-making process." PDXScholar, 1995. https://pdxscholar.library.pdx.edu/open_access_etds/1193.

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Decision-making processes are among the most important activities within human organizations. This dissertation is a case study of decision-making in the review of high school graduation standards in an urban school district. The review process lasted three years and was terminated before any decision was reached concerning graduation standards. The purpose of this study is to answer three questions: Why would a decision-making process be terminated before any results are achieved? Under what circumstances do decision makers choose to let the process die? What do such decision making processes

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Miller, Casey J. "The PRC decision-making process." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 2002. http://sirsi.nps.navy.mil/uhtbin/hyperion-image/02Mar%5FMillerC.pdf.

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ARURKAR, TEJAS PRAKASH. "ACCELERATED CONSTRUCTION DECISION MAKING PROCESS." University of Cincinnati / OhioLINK, 2006. http://rave.ohiolink.edu/etdc/view?acc_num=ucin1155814743.

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Koskinen, P. (Pentti). "Decision-making process on field technology for process management." Doctoral thesis, University of Oulu, 2000. http://urn.fi/urn:isbn:9514257855.

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Abstract Intelligent field technology is being developed for the management of industrial processes, but its development and diffusion have met with problems. This research looks at the problem area from the perspective of industrial decision-makers and end users. The lowest level of process management consists of various electrical, pneumatic and hydraulic devices, using analog and digital signals. In this research the term 'field technology' refers to instrumentation and electrical devices, the communication between them, alarm and registration devices, programs, functions and process manage

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Books on the topic "The decision-making process of credit"

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Office, General Accounting. Decision making process for farm program policies needs to be improved: Report to the Secretary of Agriculture. The Office, 1985.

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Bouyssou, Denis, Didier Dubois, Marc Pirlot, and Henri Prade, eds. Decision-making Process. ISTE, 2009. http://dx.doi.org/10.1002/9780470611876.

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The managerial decision-making process. 3rd ed. Houghton Mifflin Co., 1987.

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Canadian Environmental Assessment Research Council. EIS process and decision making. Canadian Environmental Assessment Research Council = Conseil canadien de la recherche sur l'évaluation environnementale, 1990.

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Harrison, E. Frank. The managerial decision-making process. 5th ed. Houghton Mifflin, 1999.

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The managerial decision-making process. 4th ed. Houghton Mifflin, 1995.

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Alarie, Benjamin. Judicial decision-making. Faculty of Law, University of Toronto, 2014.

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Alarie, Benjamin. Judicial decision-making. Faculty of Law, University of Toronto, 2014.

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Abella, Rosalie S. Judicial decision-making. Faculty of Law, University of Toronto, 2000.

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Spiller, Pablo T. Strategic judicial decision making. National Bureau of Economic Research, 2007.

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Book chapters on the topic "The decision-making process of credit"

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Agarwal, Sumit, and Brent W. Ambrose. "Household Finance and the Financial Decision-Making Process." In Household Credit Usage. Palgrave Macmillan US, 2007. http://dx.doi.org/10.1057/9780230608917_1.

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Wójcicka, Aleksandra. "Credit-Risk Decision Process Using Neural Networks in Industrial Sectors." In Contemporary Trends in Accounting, Finance and Financial Institutions. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-72862-9_6.

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Dai, Xin-Bo, and Yuan-sheng Huang. "Research of Electricity Enterprise Credit Assessment Combining Fuzzy Multiple Attribute Decision Making with Improved Analytic Hierarchy Process –Taking Baoding Electricity Supply Company as Example." In Proceedings of the 21st International Conference on Industrial Engineering and Engineering Management 2014. Atlantis Press, 2015. http://dx.doi.org/10.2991/978-94-6239-102-4_82.

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Ilankovan, Velupillai, Madan Ethunandan, and Tian Ee Seah. "Decision-Making Process." In Local Flaps in Facial Reconstruction. Springer International Publishing, 2014. http://dx.doi.org/10.1007/978-3-319-08479-4_4.

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Takemura, Kazuhisa. "Decision-Making Process." In Behavioral Decision Theory. Springer Japan, 2014. http://dx.doi.org/10.1007/978-4-431-54580-4_11.

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Versluis, Esther, Mendeltje van Keulen, and Paul Stephenson. "Decision Making." In Analyzing the European Union Policy Process. Macmillan Education UK, 2011. http://dx.doi.org/10.1007/978-1-137-10001-6_8.

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Tarr, G. Alan. "Judicial Decision Making." In Judicial Process and Judicial Policymaking. Routledge, 2019. http://dx.doi.org/10.4324/9780429427961-8.

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Browning, Christopher R. "The Decision-Making Process." In The Historiography of the Holocaust. Palgrave Macmillan UK, 2004. http://dx.doi.org/10.1057/9780230524507_9.

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Berger, Rolando. "The Decision-Making Process." In Three Patients. Springer US, 2002. http://dx.doi.org/10.1007/978-1-4615-0939-4_18.

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McIntosh, Malcolm. "The Decision-making Process." In Managing Britain’s Defence. Palgrave Macmillan UK, 1990. http://dx.doi.org/10.1007/978-1-349-10535-9_2.

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Conference papers on the topic "The decision-making process of credit"

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Palihakkara, Vindu, and Manesha Peiris. "AN INVESTIGATION IN TO APPLICATION OF DECISION MAKING MODELS FOR CREDIT SCORING IN A STATE SECTOR BANK." In The International Symposium on the Analytic Hierarchy Process. Creative Decisions Foundation, 2011. http://dx.doi.org/10.13033/isahp.y2011.097.

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Cardoso, Hugo Saba Pereira, and Bruno Oliveira Pinto Cardoso. "MULTICRITERY MODELING IN THE DECISION-MAKING PROCESS OF CREDIT LINES AT BANCO DO BRASIL." In VI Simpósio Internacional de Inovação e Tecnologia. Editora Blucher, 2020. http://dx.doi.org/10.5151/siintec2020-multicriterymodeling.

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Wang, Ying, and Clarence W. de Silva. "A Modified Q-Learning Algorithm for Multi-Robot Decision Making." In ASME 2007 International Mechanical Engineering Congress and Exposition. ASMEDC, 2007. http://dx.doi.org/10.1115/imece2007-41643.

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This paper presents a modified distributed Q-learning algorithm termed the Sequential Q-learning algorithm with Kalman Filtering (SQKF), for multi-robot decision making. While Q-learning is employed commonly in the multi-robot domain to support robot operation in dynamic and unknown environments, it also faces many challenges. It is questionable to scale the conventional single-agent Q-learning algorithm into the multi-robot domain because such an extension violates the Markov assumption on which the algorithm is based on. The empirical results show that it can confuse the robots and render th

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Zhang, Dailing, Wei Xu, Yingqiu Zhu, and Xinwei Zhang. "Can Sentiment Analysis Help Mimic Decision-Making Process of Loan Granting? A Novel Credit Risk Evaluation Approach Using GMKL Model." In 2015 48th Hawaii International Conference on System Sciences (HICSS). IEEE, 2015. http://dx.doi.org/10.1109/hicss.2015.118.

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Tamilselvan, Prasanna, Yibin Wang, Pingfeng Wang, and Janet M. Twomey. "Prognosis Informed Stochastic Decision Making Framework for Operation and Maintenance of Wind Turbines." In ASME/ISCIE 2012 International Symposium on Flexible Automation. American Society of Mechanical Engineers, 2012. http://dx.doi.org/10.1115/isfa2012-7168.

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Advances in high performance sensing and signal processing technology enable the development of failure prognosis tools for wind turbines to detect, diagnose, and predict the system-wide effects of failure events. Although prognostics can provide valuable information for proactive actions in preventing system failures, the benefits have not been fully utilized for the operation and maintenance decision making of wind turbines. This paper presents a generic failure prognosis informed decision making tool for wind farm operation and maintenance while considering the predictive failure informatio

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Chen, Di, Yada Zhu, Xiaodong Cui, and Carla Gomes. "Task-Based Learning via Task-Oriented Prediction Network with Applications in Finance." In Twenty-Ninth International Joint Conference on Artificial Intelligence and Seventeenth Pacific Rim International Conference on Artificial Intelligence {IJCAI-PRICAI-20}. International Joint Conferences on Artificial Intelligence Organization, 2020. http://dx.doi.org/10.24963/ijcai.2020/617.

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Real-world applications often involve domain-specific and task-based performance objectives that are not captured by the standard machine learning losses, but are critical for decision making. A key challenge for direct integration of more meaningful domain and task-based evaluation criteria into an end-to-end gradient-based training process is the fact that often such performance objectives are not necessarily differentiable and may even require additional decision-making optimization processing. We propose the Task-Oriented Prediction Network (TOPNet), an end-to-end learning scheme that auto

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Tamilselvan, Prasanna, Yibin Wang, and Pingfeng Wang. "Prognosis Informed Design Framework for Operation and Maintenance of Wind Turbines." In ASME 2012 International Design Engineering Technical Conferences and Computers and Information in Engineering Conference. American Society of Mechanical Engineers, 2012. http://dx.doi.org/10.1115/detc2012-70792.

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Advances in high performance sensing and signal processing technology enable the development of failure prognosis tools for wind turbines to detect, diagnose, and predict the system-wide effects of failure events. Although prognostics can provide valuable information for proactive actions in preventing system failures, the benefits have not been fully utilized for the operation and maintenance decision making of wind turbines. This paper presents a generic failure prognosis informed decision making tool for wind farm operation and maintenance while considering the predictive failure informatio

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Vareško, Andrea. "Developing the Credit Score Model Through the Common Use of Financial and Qualitative Indicators in the Evaluation of Creditworthiness." In Organizations at Innovation and Digital Transformation Roundabout. University of Maribor Press, 2020. http://dx.doi.org/10.18690/978-961-286-388-3.70.

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The developed credit score model represents an innovative and advanced way in the credit rating process that uses both financial and qualitative indicators in estimating creditworthiness. in order to develop the model a research has been carried out in the croatian banking sector and among the consulting companies involved in the process of creditworthiness. the model has been developed based on the findings and conclusions from the conducted research and contributes in the economic science, specifically in the field of innovation and competitiveness. The balance sheet data and the indicators

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Srisusilawati, Popon, Asep Hidayat, Nanik Eprianti, and Ajeng Nurrahmawati. "Differentiation Strategy of Ib Hashanah Card on the Decision of Selection of Sharia Credit Card Products with Analytic Hierarchy Process Method (BNI Syariah Case Study)." In The First International Conference On Islamic Development Studies 2019, ICIDS 2019, 10 September 2019, Bandar Lampung, Indonesia. EAI, 2019. http://dx.doi.org/10.4108/eai.10-9-2019.2289365.

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DaneshFar, J., D. Nnamdi, R. G. Moghanloo, and K. Ochie. "Economic Evaluation of CO2 Capture, Transportation, and Storage Potentials in Oklahoma." In SPE Annual Technical Conference and Exhibition. SPE, 2021. http://dx.doi.org/10.2118/206106-ms.

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Abstract Oklahoma is known for having ample sources of CO2, pipelines and sinks where for many decades, oil and gas operators were injecting CO2 into geological formations for EOR purposes. We utilized SimCCS, an economic-engineering software tool (DOE-NETL), to integrate infrastructure related to CO2 sources, pipeline, and geological formations. The approved tax incentive program by IRS (45Q) has motivated many oil and gas operators to participate in reducing CO2 concentration and minimizing global warming effect by collecting CO2 from various sources, select the best pipeline route and the s

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Reports on the topic "The decision-making process of credit"

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Lou, Wei. A Non-decision-reaching Decision-making process. Portland State University Library, 2000. http://dx.doi.org/10.15760/etd.1192.

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Benecke, Uwe. Reconsidering NATO's Decision Making Process. Defense Technical Information Center, 2007. http://dx.doi.org/10.21236/ada467165.

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Mileti, D., J. Sorensen, and W. Bogard. Evacuation decision-making: process and uncertainty. Office of Scientific and Technical Information (OSTI), 1985. http://dx.doi.org/10.2172/5111169.

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Marr, John J. The Military Decision Making Process: Making Better Decisions Versus Making Decisions Better. Defense Technical Information Center, 2001. http://dx.doi.org/10.21236/ada392009.

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Osbourn, Gordon Cecil. Biomolecular decision-making process for self assembly. Office of Scientific and Technical Information (OSTI), 2005. http://dx.doi.org/10.2172/882051.

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Burwell, David W. Logical Evolution of the Military Decision Making Process. Defense Technical Information Center, 2001. http://dx.doi.org/10.21236/ada394290.

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Rodriguez, David M. Dominating Time in the Operational Decision Making Process. Defense Technical Information Center, 1997. http://dx.doi.org/10.21236/ada328124.

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Akins, Elton, Hank Dodge, Colleen Duffy, Brian Gollsneider, and James Imlay. The Military Decision-Making Process: A Software Tutorial. Defense Technical Information Center, 1999. http://dx.doi.org/10.21236/ada388664.

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Scott, Harry D., and Jr. Time Management and the Military Decision Making Process. Defense Technical Information Center, 1992. http://dx.doi.org/10.21236/ada262657.

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Shoffner, Wilson A. The Military Decision-Making Process Time for a Change. Defense Technical Information Center, 2000. http://dx.doi.org/10.21236/ada381816.

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