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The Credit Card Accountability, Responsibility and Disclosure Act (CARD) of 2009 was triggered by the financial crisis and designed to protect subprime borrowers by forcing lenders to provide more transparency and more reasonable, fairer rates and fees to borrowers. This has proven a costly burden for US lenders as they
Congratulations to Curt Hinrichs and Chuck Boiler! Their book, JMP Essentials: An Illustrated Step-by-Step Guide for New Users, has won an Award of Distinguished Technical Communication in this year’s International Summit Awards presented by the Society for Technical Communication. The award goes to a project that “applies the principles of
I am a thinker by nature; always pondering my choices so that I make the most informed decisions. So for me, the Three R’s of SAS Training aren’t “Reading, wRiting and ‘aRithmetic”, they are Reason, Reflect and Ruminate which allows me time to gather information from others and provide the
The log transformation is one of the most useful transformations in data analysis. It is used as a transformation to normality and as a variance stabilizing transformation. A log transformation is often used as part of exploratory data analysis in order to visualize (and later model) data that ranges over
I've been walking around the last few days with what looks like a dollop of chocolate syrup or grape jelly on my chin. Alas, it is just a bruise from getting elbowed in the mouth at basketball last Thursday night. (Church leagues may be the only dirtier place to play
Director of Business Strategy for the Orlando Magic, Anthony Perez, recently spoke at the SAS Global Forum Executive Conference on how analytics is molding the NBA - both on and off the court. The Orlando Magic is currently one of the top teams in the NBA, and that is no
Walking to work this sign caught my eye. I was moved as I’m sure you will be too – to see the lot of students universally. Like most folks, I’ve played different roles in life. Of them I would say that my part-time student role was the most challenging. My
A major news item this week is the New York Department of Health's labeling of childen's games like Kickball, Wiffleball, Freeze Tag, Red Rover, and Steal the Bacon as dangerous. (Apparently Spin the Bottle, Truth or Dare, and Doctor are still ok?) Is this the continuing wussification of American youth?
This is a guest post from Jodi Blomberg, a Principal Technical Architect at SAS. She has over 12 years of experience in data mining and mathematical modeling, and has developed analytic models for many government agencies including child support enforcement, insurance fraud, intelligence led policing, supply chain logistics and adverse
In our last installment, we learned that some information is not really necessary. When facilities management dyed the toilet water purple to remind us it is non-potable, it didn't affect my earlier decision not to drink out of the toilet. Sometimes the information we receive as forecasters is not really
The goal of enterprise risk management (ERM) is to eliminate the siloed approach to identifying, monitoring and managing risk practices throughout an organization. By applying a consistent approach to ERM policies and procedures through a clearly delineated organizational risk hierarchy, organizations can mitigate risk and identify new business opportunities. Insurers
No, not for a country music recording deal. Trust me, no one wants to hear me sing…I can’t carry a tune in a bucket (but I can throw out some unusual “Southernisms”). I’m headed to Nashville, May 8-11, for the annual PharmaSUG conference. PharmaSUG is the Pharmaceutical Industry SAS® Users
Remember the old Reese’s peanut butter cup advertisement? Two people are walking down the street – one eating peanut butter, the other chocolate – they run into each other and the chocolate and the peanut butter get mixed up. They sample the new concoction and marvel at the wonderful mixture
Unless you’ve been living under a rock, you’ve heard about the budget problems running rampant across all levels of government. Federal, State and Local Governments are all facing historic budget shortfalls due to the economic crisis and decreased tax receipts. This has led to a much closer examination of services
Just to set the record straight, I’m a programmer who loves to write code. While SAS Enterprise Guide (EG) does make reporting easier, this time it’s not the displays that caught my eye. EG won this round hands down for ease of use to summarize data. This blog post will