Scored

Set in the future when teenagers are monitored via camera and their recorded actions and confessions plugged into a computer program that determines their ability to succeed. All kids given a "score" that determines their future potential. This score can get kids into colleges, grant scholarships, or destroy all hope for the above. Scored's reluctant heroine is Imani, a girl whose high score is brought down when her best friend's score plummets. Where do you draw the line between doing what feels morally right and what can mean your future? Friendship, romance, loyalty, family, human connection and human value: all are questioned in this fresh and compelling dystopian novel set in the scarily forseeable future.

Fully updated to reflect the most current version of the ACT, Up Your Score: ACT remains the test prep and survival guide that kids will actually want to use. Written by Chris Arp, a Princeton graduate and top ACT tutor—with the help of four students who aced the test (and went on to the colleges of their choice)—it’s a true insider’s guide, filled with effective strategies and tips, delivered with the attitude, smarts, and wit that make Up Your Score the bestselling alternative test-prep series in print. ▪ Crush the reading section by developing the Five Habits of Lean Forward Reading. ▪ Master the math section through techniques like “plugging in,” an amazing trick that simplifies all algebra word problems. ▪ Annihilate the English section by absorbing six key punctuation and nine essential grammar rules. ▪ Sail through the science section by understanding that it actually tests reasoning. ▪ Plus, the latest information on ACT scoring and the essay test, revised in 2015 to be more open-ended and analytical.

Understand violence within its cultural context! To reduce violence, we need to understand what it is, where it comes from, and what it means in cultural context. Violence: Diverse Populations and Communities provides new empirical research and theoretical models to help you understand the impact of violence on various ethnic and cultural groups. From the effects of abuse on Latino children to aged Korean-American women's perceptions of elder mistreatment, this comprehensive volume covers all ages, many ethnic groups, and multiple types of violence. Violence: Diverse Populations and Communities looks at such neglected populations as Mexican, Korean, Vietnamese, and Cambodian immigrants as well as Black, Caucasian, and Latino cultures. The forms of violence studied range from the devastation of war to keeping elders isolated for long periods of time and culturally specific forms of abuse. This comprehensive volume also includes a thorough literature review, stressing the need for more research, especially into the needs and experiences of neglected populations, and suggesting fruitful areas for further inquiry. Violence: Diverse Populations and Communities asks and answers complex questions, including: Is war or street violence more traumatic for adolescent refugees from the Khmer Rouge? What social support benefits do street gangs offer their members? How do cultural expectations of male and female roles affect dating violence? What culturally sensitive interventions best address the needs of a Latina rape survivor? How do women of various Asian cultures respond to spousal battering? How can practitioners working with elder abuse victims define their roles, objectives, and interventions to accommodate cultural differences? The groundbreaking research in Violence: Diverse Populations and Communities provides an illuminating exploration into the cultural meaning of violence. By questioning standard assumptions and discovering what violence means to those who suffer from it and perpetrate it, practitioners can better serve multicultural client populations. This book will change the way you see violence by helping you understand its manifestations within various cultural contexts.

Have you ever wondered who invented the 4-4-2 formation? Why footballers used to celebrate success by releasing a platitudinous pop single? And who has really scored the most goals in the history of the game? You can find the answers to all these questions and more in a book which takes the time to consider the debt the stepover may owe to Dutch speed skaters, explores the most surprising world transfer record and celebrates the most dysfunctional World Cup campaign ever. Through a series of answers to puzzling and perennial questions, the book sheds unexpected light on the beautiful game, challenging conventional wisdom, discovering neglected heroes and destroying a few urban myths along the way.

A better development and implementation framework for credit risk scorecards Intelligent Credit Scoring presents a business-oriented process for the development and implementation of risk prediction scorecards. The credit scorecard is a powerful tool for measuring the risk of individual borrowers, gauging overall risk exposure and developing analytically driven, risk-adjusted strategies for existing customers. In the past 10 years, hundreds of banks worldwide have brought the process of developing credit scoring models in-house, while ‘credit scores' have become a frequent topic of conversation in many countries where bureau scores are used broadly. In the United States, the ‘FICO' and ‘Vantage' scores continue to be discussed by borrowers hoping to get a better deal from the banks. While knowledge of the statistical processes around building credit scorecards is common, the business context and intelligence that allows you to build better, more robust, and ultimately more intelligent, scorecards is not. As the follow-up to Credit Risk Scorecards, this updated second edition includes new detailed examples, new real-world stories, new diagrams, deeper discussion on topics including WOE curves, the latest trends that expand scorecard functionality and new in-depth analyses in every chapter. Expanded coverage includes new chapters on defining infrastructure for in-house credit scoring, validation, governance, and Big Data. Black box scorecard development by isolated teams has resulted in statistically valid, but operationally unacceptable models at times. This book shows you how various personas in a financial institution can work together to create more intelligent scorecards, to avoid disasters, and facilitate better decision making. Key items discussed include: Following a clear step by step framework for development, implementation, and beyond Lots of real life tips and hints on how to detect and fix data issues How to realise bigger ROI from credit scoring using internal resources Explore new trends and advances to get more out of the scorecard Credit scoring is now a very common tool used by banks, Telcos, and others around the world for loan origination, decisioning, credit limit management, collections management, cross selling, and many other decisions. Intelligent Credit Scoring helps you organise resources, streamline processes, and build more intelligent scorecards that will help achieve better results.