The granting of credit is a necessary risk of doing business. If companies only accepted cash, sales would be negatively impacted. In a perfect world, all consumers would pay their bills when they become due. However, the fact is that some consumers do default on debt. Companies are willing to accept default risk because the value of defaults does…

The size and dynamism of the Web poses challenges for all its stakeholders, which include producers/consumers of content, and advertisers who want to place advertisements next to relevant content. A critical piece of information for the stakeholders is the demographics of the consumers who are likely to visit a given web site. However, predicting…