It is a shame this book is out-of-print, because it is a marvelous story. The author, Elizabeth Klein, tells the story of an extended secular Jewish family whose carefully structured world is shattered when the college-age son of one of the families runs away on Christmas Day. This causes everyone in the family to reexamine themselves and their lives, facing the difficult past and the more difficult future. Religion, God, and the lack thereof play an important part of the story, as do the meanings of words and silence. I heard the author read a selection of this book shortly after its publication, and the power of connections between family members who have chosen different paths has always remained with me. I highly recommend this title if you can find it!

This book is a vital tool in the education of young children. It looks at multiple aspects of development from real teachers' experiences. The idea of reflecting on thoughts is not new, though this book gives a new perspective on it's benefits. Reflection is one of the most successful ways to retain information, and helps the child and teacher to appreciate what they have both learned.

This book describes how the US mortgage and credit card industries approach modeling, from the industry standard practioners point of view. It is best read by those familiar with the industry. It ignores the potential of current thinking outside industry standard practices. However, everyone interested in the subect needs to know the way FICO does it; they are the standard.

I agree with everyone else, but they are comming from a different point of view than the person that would benefit from this book.

This book is very nicely done for the beginner who wants to read his first book on credit risk.

Even for me I found some information in it that was extremely beneficial; it will probbaly save our corporation a great deal of money.

The title says "Design and Application"; the book serves the title very well. Concise, loaded with different angles. Some writers' names are big in other fields. Surprisingly, a good economist's review is also included, Mark Z's. I once reviewed about 90 relevant publications in the credit scoring field for my thesis project. One impression was the literature was fragmented and heavily European oriented. This book clearly interests me more as it relates to American experience more.

The title does not say "Theory and application". So I don't complain about its "lack of substance". I don't believe either it is for beginners. Design is related to science, but design is often more an art than science; I don't expect it to be a theoretic tome. It is more like a "programmer's pocket book". So certain level of prerequistion and experience will max out the benefits for the reader.

I look forward to seeing another update.