Consumer Credit in the Affluent Society

This thesis is a proof-of-concept project that aims at modify and reuse existing communication protocols of wireless vehicle to vehicle communication in order to build a prototype of a real time graphical application that runs in an embedded environment. The application is a 2D visualization of the flow of material at a quarry and is built on top of existing communication protocols that enable wireless vehicle to vehicle communication according to the 802.11p standard for intelligent transport solutions. These communication protocols have already been used within the Volvo group in other research rojects, but not in a context of a real-time graphical 2D visualization. The application runs on an ALIX embedded motherboard and combined with the necessary hardware represent one node that makes the communication network. The visualization monitors the position of every active node in the network and the flow of material between material locations and crusher that process the material at the quarry. The visualization is implemented in C/C++ using Qt 4.6.2 Graphics View framework

The Engineers' Bookshelf

Our perception of an object’s size arises from the integration of multiple sources of visual information including retinal size, perceived distance and its size relative to other objects in the visual field. This constructive process is revealed through a number of classic size illusions such as the Delboeuf Illusion, the Ebbinghaus Illusion and others illustrating size constancy. Here we present a novel variant of the Delbouef and Ebbinghaus size illusions that we have named the Binding Ring Illusion. The illusion is such that the perceived size of a circular array of elements is underestimated when superimposed by a circular contour – a binding ring – and overestimated when the binding ring slightly exceeds the overall size of the array. Here we characterize the stimulus conditions that lead to the illusion, and the perceptual principles that underlie it. Our findings indicate that the perceived size of an array is susceptible to the assimilation of an explicitly defined superimposed contour. Our results also indicate that the assimilation process takes place at a relatively high level in the visual processing stream, after different spatial frequencies have been integrated and global shape has been constructed. We hypothesize that the Binding Ring Illusion arises due to the fact that the size of an array of elements is not explicitly defined and therefore can be influenced (through a process of assimilation) by the presence of a superimposed object that does have an explicit size

Game-like Tablet Assessment of Approaches to Learning: Assessing Mastery Motivation and Executive Functions

Introduction. School readiness predicts both school and life success, so measuring it effectively is extremely important. Current school readiness tests focus on pre-academic skills; however, mastery motivation (MM: persistent, focus on trying to do a task) and executive functions (EF: planful self-control) are also crucial.Method. The purpose of the paper is to give an overview of a new, computer-based assessment of MM and EF.Results. We have developed a game-like, computer-based assessment for 3 to 8 year-old children, of MM, EF, and recognition of numbers and letters. The new measures are appropriate for both Hungarian and American cultures. They were engaging for children of this age, and preliminary evidence suggests that they are reliable and valid.Conclusion. The new tasks can be part of assessments of school readiness, and would be useful for school practice as well as researchers. The tasks ascertain the extent to which observed deficits in pre-academic domains are due to MM or EF difficulties. The results will contribute to the development of individualized intervention.  </jats:p

Credit bureaus between risk-management, creditworthiness assessment and prudential supervision

"This text may be downloaded for personal research purposes only. Any additional reproduction for other purposes, whether in hard copy or electronically, requires the consent of the author. If cited or quoted, reference should be made to the full name of the author, the title, the working paper or other series, the year, and the publisher."This paper discusses the role and operations of consumer Credit Bureaus in the European Union in the context of the economic theories, policies and law within which they work. Across Europe there is no common practice of sharing the credit data of consumers which can be used for several purposes. Mostly, they are used by the lending industry as a practice of creditworthiness assessment or as a risk-management tool to underwrite borrowing decisions or price risk. However, the type, breath, and depth of information differ greatly from country to country. In some Member States, consumer data are part of a broader information centralisation system for the prudential supervision of banks and the financial system as a whole. Despite EU rules on credit to consumers for the creation of the internal market, the underlying consumer data infrastructure remains fragmented at national level, failing to achieve univocal, common, or defined policy objectives under a harmonised legal framework. Likewise, the establishment of the Banking Union and the prudential supervision of the Euro area demand standardisation and convergence of the data used to measure debt levels, arrears, and delinquencies. The many functions and usages of credit data suggest that the policy goals to be achieved should inform the legal and institutional framework of Credit Bureaus, as well as the design and use of the databases. This is also because fundamental rights and consumer protection concerns arise from the sharing of credit data and their expanding use