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Keratoconus is a progressive eye disease that affects the cornea, the clear, dome-shaped outer layer at the front of your eye.

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The Eye Center, P.A.

If you live with diabetes, you know the importance of managing your blood sugar for your overall health.

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At Shraddha Eye Care Trust, the principle that quality eye care should be made available for everyone is always at the core of every free eye camp event. Be it your first visit or you are already a regular patron of their programs, the same kindness, care of specialists, and preservation of vision as a part of commitment await you.

The Eye Center, P.A.

The Eye Center, S.C., a leading provider of comprehensive eye care, today issued an urgent recommendation to patients diagnosed with cataracts: schedule your vision-correcting surgery before the end of the calendar year.

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The Eye Center, P.A.

As time passes, the subtle signs of aging often show up first around the eyes.

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Credit risk remains one of the major risks faced by most financial and credit institutions. It is deeply connected to the real economy due to the systemic nature of some banks, but also because well-managed lending facilities are key for wealth creation and technological innovation. This book is a collection of innovative papers in the field of credit risk management. Besides the probability of default (PD), the major driver of credit risk is the loss given default (LGD). In spite of its central importance, LGD modeling remains largely unexplored in the academic literature. This book proposes three contributions in the field. Ye & Bellotti exploit a large private dataset featuring non-performing loans to design a beta mixture model. Their model can be used to improve recovery rate forecasts and, therefore, to enhance capital requirement mechanisms. François uses instead the price of defaultable instruments to infer the determinants of market-implied recovery rates and finds that macroeconomic and long-term issuer specific factors are the main determinants of market-implied LGDs. Cheng & Cirillo address the problem of modeling the dependency between PD and LGD using an original, urn-based statistical model. Fadina & Schmidt propose an improvement of intensity-based default models by accounting for ambiguity around both the intensity process and the recovery rate. Another topic deserving more attention is trade credit, which consists of the supplier providing credit facilities to his customers. Whereas this is likely to stimulate exchanges in general, it also magnifies credit risk. This is a difficult problem that remains largely unexplored. Kanapickiene & Spicas propose a simple but yet practical model to assess trade credit risk associated with SMEs and microenterprises operating in Lithuania. Another topical area in credit risk is counterparty risk and all other adjustments (such as liquidity and capital adjustments), known as XVA. Chataignier & Crépey propose a genetic algorithm to compress CVA and to obtain affordable incremental figures. Anagnostou & Kandhai introduce a hidden Markov model to simulate exchange rate scenarios for counterparty risk. Eventually, Boursicot et al. analyzes CoCo bonds, and find that they reduce the total cost of debt, which is positive for shareholders. In a nutshell, all the featured papers contribute to shedding light on various aspects of credit risk management that have, so far, largely remained unexplored.

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This Special Issue focused on novel vision-based approaches, mainly related to computer vision and machine learning, for the automatic analysis of human behaviour. We solicited submissions on the following topics: information theory-based pattern classification, biometric recognition, multimodal human analysis, low resolution human activity analysis, face analysis, abnormal behaviour analysis, unsupervised human analysis scenarios, 3D/4D human pose and shape estimation, human analysis in virtual/augmented reality, affective computing, social signal processing, personality computing, activity recognition, human tracking in the wild, and application of information-theoretic concepts for human behaviour analysis. In the end, 15 papers were accepted for this special issue. These papers, that are reviewed in this editorial, analyse human behaviour from the aforementioned perspectives, defining in most of the cases the state of the art in their corresponding field.

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