Найти книгу: "Kirigami Greeting Cards and Gift Wrap"

This book explores the Japanese art of paper cutting through a collection of kirigami greeting cards and gift wraps.Kirigami is an ideal pastime for both adults and children alike. You'll be amazed at the intricate and beautiful projects you can create with just a piece of paper and a pair of scissors.This is a wonderful book for anyone who enjoys creating with their hands. Renowned origami artist Florence Temko fills this book with truly unforgettable projects.The 25 origami projects in this book provide great ideas for every occasion, with Heart Variations For Your Valentine, Pop-ups, Dress-up Paper Dolls, Gift Box Borders, Woven Gift Wrap, Appliqued Gift Bag, and many, many more! The projects and simple instructions will appeal to anyone who crafts for fun or as an activity.

For a long time the games are the entertainment, which is the most demanded for. Both in USA, and in a number of European countries, gaming industry overcame cinema in annual income already several years ago. The annual turnover in gaming industry already exceeded 15 billion dollars, and it still grows every year. I have proposed a logical gaming device, which combines the elements of Rubik’s Cube and the 15 puzzle, and which can be used widely to improve logical thinking abilities in children.

Графические бломмоны Т. Травнiка – это уникальное авторское пособие по гармонизации внутреннего состояния, дающее возможность переключения от бесплодной каждодневной суеты к своему внутреннему миру, побыть наедине с собой, услышать тишину, погрузиться в особые космическо-психические измерения. При регулярном созерцании бломмонов вы всегда будете чувствовать себя будто заново родившимися, отдохнувшими, всемогущими, каждую минуту ощущая себя на гребне жизни и небывалый прилив сил!

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.

Do you want to manage your cashflow better and get rid of financial stress? Do you put finance products such as health insurance and mortgages in the too-hard basket? Money for Nothing is a call to action to wise up, get smart and get your finances in order. Complete this 12-week financial fitness program and discover how to make substantial savings running into the thousands! Learn how to: get better deals, cut fees and other unwanted charges from your daily spend, and redirect your money where it' most important to you understand your financial profile and how to get the best value for money when choosing your essential finance products shop around using the latest research from CANSTAR and other comparison sites. By breaking down the jargon and busting the fine print on everything from mortgages, car loans, personal loans and health insurance to car insurance, credit cards, superannuation, tax and much more, Justine Davies helps you make good choices on the key financial products and services in your life. Justine Davies is a financial planner, journalist, author and blogger who loves educating people about money.