Martha Sellers

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Recent financial institution research at MKMV has focused on the implications of the fact that certain large banks and non-bank financial institutions behave as combinations of two quite different businesses: a financial asset portfolio and franchise or service business. This dual-business behavior can potentially have a non-intuitive impact on EDF levels.(More)
The purpose of the present study was to investigate the onset and development of separation protest in a non-Western culture. Forty-two boys and girls distributed over the ages of 9, 12, 18, and 24 months were assessed for reactions to arrivals and departures of their mother, father, and a stranger. The infants were also given a test of object permanence.(More)
Quantitative rating systems are increasingly being used for the purposes of capital allocation and pricing credits. For these purposes, it is important to validate the accuracy of the probability of default (PD) estimates generated by the rating system and not merely focus on evaluating the discriminatory power of the system. The validation of the accuracy(More)
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