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DeShield et al., 1994 Baker, 1977 Dickson et al., 1965 Kennedy, 1970 Baker, 1977 Hosner and Boyce, 1962 Hook et al., 1970

The Approach in Credit Risk+ Just as in the macrofactor models, in Credit Risk+, default correlation between two rms is maximized if the two rms are allocated in the same country or industry sector. Two obligors A and B that have no sector in common will have zero default event correlation. This is because no systematic factor affects them both. In the technical document, Credit Risk+ calculates an approximation for the default event correlation:

individual basis is always necessary not least because FTAM implementations are vendor speci c and (normally) outside the control of the operators. Serious testing became necessary to survive as some operators detected major problems of interoperability with implementations of FTAM even if they had successfully passed conformance tests in accredited test labs! In 1991 the GSM MoU group formally approved TADIG s test concept. First experiences with TAP implementations as well as successful TAP testing were reported by some Nordic operators in April 1992: Telecom Finland successfully transferred les of live data on tape to and from Televerket Radio (Sweden) and Telecom Denmark. However during this phase of collecting rst experiences with TAP implementations, many problems in the day-to-day business were reported to the TADIG plenaries, mainly due to non-compliance with the TAP standards. From the moment of having real TAP implementations in operation, it became one of the main tasks for TADIG to deal with all identi ed TAP problems. Beside the already mentioned FTAM problems the most critical areas of potential problems were:

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Indonesia is with its extent of several thousand kilometres east to west and several ten of thousands islands a very large country. Several manufacturers (e.g. Alcatel and Siemens) were successful in promoting GSM. The networks cover only densely populated areas and support the economic development of Indonesia.

that is, if the value of attribute B is known, the probabilities of the values of attribute A do not depend on the value of attribute C. Note that conditional independence is symmetric: if A P C | B, then a dom(A) : b dom(B) : c dom(C) : P(C = c | B = b, A = a) = P(C = c | B = b) = P(C = c, B = b) , P(B = b)

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