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	<title><![CDATA[default Resources | BNET]]></title>
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	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to default]]></description>
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		<title><![CDATA[Why Credit Card Regulation Is Broken]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/why-credit-card-regulation-is-broken/288874/]]></link>
		<description><![CDATA[Until recently, regulators routinely looked the other way as credit card issuers ensnared unwitting consumers with huge finance charges and penalties. So how did credit card regulation become so broken? Here's a brief history of the slippery practices of the  industry.        How...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Wed, 15 Apr 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/bank.html"><![CDATA[Bank]]></category>
		<category domain="http://resources.bnet.com/topic/credit+card.html"><![CDATA[Credit Card]]></category>
		<category domain="http://resources.bnet.com/topic/regulation.html"><![CDATA[Regulation]]></category>
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		<category domain="http://resources.bnet.com/topic/truth+in+lending+act.html"><![CDATA[Truth In Lending Act]]></category>
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		<category domain="http://resources.bnet.com/topic/marlys+harris.html"><![CDATA[Marlys Harris]]></category>
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		<title><![CDATA[Reforming the Credit Card Industry]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/reforming-the-credit-card-industry/288876/]]></link>
		<description><![CDATA[Consumers should be able to use plastic without getting skewered by unfair bank practices. Although the Federal Reserve passed new regulations to reform the industry, many consumer groups argue the Fed failed to complete the job. Here's a list of additional reforms needed to make credit cards fairer for consumers....]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Wed, 15 Apr 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/bank.html"><![CDATA[Bank]]></category>
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		<category domain="http://resources.bnet.com/topic/carolyn+maloney.html"><![CDATA[Carolyn Maloney]]></category>
		<category domain="http://resources.bnet.com/topic/carl+levin.html"><![CDATA[Carl Levin]]></category>
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		<category domain="http://resources.bnet.com/topic/center+for+responsible+lending.html"><![CDATA[Center for Responsible Lending]]></category>
		<category domain="http://resources.bnet.com/topic/national+consumer+law+center.html"><![CDATA[National Consumer Law Center]]></category>
		<category domain="http://resources.bnet.com/topic/marlys+harris.html"><![CDATA[Marlys Harris]]></category>
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		<title><![CDATA[Nudge Your Customers Toward Better Choices]]></title>
		<link><![CDATA[http://www.bnet.com/2439-13237_23-253656.html]]></link>
		<description><![CDATA[              A car rental agency includes insurance unless you specifically decline it. A software vendor recommends clicking "next" for a quick install. These companies have designed defaults for customers.  Well-designed defaults simplify decision making, enhance customer...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Mon, 09 Feb 2009 14:59:06 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/default.html"><![CDATA[Default]]></category>
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		<category domain="http://resources.bnet.com/topic/daniel+g.+goldstein.html"><![CDATA[Daniel G. Goldstein]]></category>
		<category domain="http://resources.bnet.com/topic/eric+j.+johnson.html"><![CDATA[Eric J. Johnson]]></category>
		<category domain="http://resources.bnet.com/topic/andreas+herrmann.html"><![CDATA[Andreas Herrmann]]></category>
		<category domain="http://resources.bnet.com/topic/mark+heitmann.html"><![CDATA[Mark Heitmann]]></category>
		<category domain="http://resources.bnet.com/topic/daniel+g.+goldstein%252c+eric+j.+johnson%252c+andreas+herrmann%252c+mark+heitmann.html"><![CDATA[Daniel G. Goldstein, Eric J. Johnson, Andreas Herrmann, Mark Heitmann]]></category>
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		<title><![CDATA[Letter Of Default On Promissory Note]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=355442]]></link>
		<description><![CDATA[This template will be used to notify the maker of a promissory note of their default on an installment payment on a promissory note. Notice of default should be sent promptly to any account which falls behind in their payments on a note. It provides a legal basis for a...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Sat, 01 Dec 2007 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/default.html"><![CDATA[Default]]></category>
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		<title><![CDATA[Analysis & Valuation Of Subordinate Structures In Collateralized Baskets Of Defaultable Obligations]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=73478]]></link>
		<description><![CDATA[This paper analyzes subordinate tranches in collateralized debt obligations and proposes a model for approximating the value of a basket of default-correlated debt assets. The model is calibrated to a pure intensity-based simulation of correlated defaults and represents an alternative computation method. Timing of individual obligor defaults are driven by...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 Mar 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/intensity.html"><![CDATA[Intensity]]></category>
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		<title><![CDATA[Analysis And Valuation Of Subordinate Structures In Collateralized Baskets Of Defaultable Obligations]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=74237]]></link>
		<description><![CDATA[This paper analyzes subordinate tranches in collateralized debt obligations and proposes a model for approximating the value of a basket of default-correlated debt assets. The model is calibrated to a pure intensity-based simulation of correlated defaults and represents an alternative computation method. Timing of individual obligor defaults are driven by...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 Mar 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/intensity.html"><![CDATA[Intensity]]></category>
		<category domain="http://resources.bnet.com/topic/valuation.html"><![CDATA[Valuation]]></category>
		<category domain="http://resources.bnet.com/topic/default.html"><![CDATA[Default]]></category>
		<category domain="http://resources.bnet.com/topic/obligation.html"><![CDATA[Obligation]]></category>
		<category domain="http://resources.bnet.com/topic/risk+management.html"><![CDATA[Risk Management]]></category>
		<category domain="http://resources.bnet.com/topic/analysis.html"><![CDATA[Analysis]]></category>
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		<title><![CDATA[Having Bad Credit?: Need Support? - Take Poor Credit History Loans]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=269591]]></link>
		<description><![CDATA[In this fast moving world, it is not a difficult task to get a bad credit score. Even small defaults in transactions can lead to a bad credit score. These defaults are like making late payments or non payments of bills for electricity and gas, credit card bills, for loans...]]></description>
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		<title><![CDATA[Demand For Payment: In Default Of Agreement]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=317997]]></link>
		<description><![CDATA[This template is for demand for payment with default of agreement. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
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