In order to navigate out of this carousel please use your heading shortcut key to navigate to the next or previous heading. Credit scoring models for smaller banks and micro-finance institutions (MFIs). Whatever you learned in the previous section will be applied here. This Financial Synergy Valuation Excel Model enables you – with the beta, pre-tax cost of debt, tax rate, debt to capital ratio, revenues, operating income (EBIT), pre-tax return on capital, reinvestment rate and length of growth period – to compute the value of the global synergy in a merger. Then you will get to understand how you can calculate Z-score. Instead, our system considers things like how recent a review is and if the reviewer bought the item on Amazon. This section is especially for those who have very little idea about what to expect from this entire course. Reviewed in the United States on January 17, 2018. The answer is both no and yes. Some Hints for Troubleshooting. Credit risk assessment is a complex problem, but this tutorial will simplify it a bit. Suppose you need to predict an individual's credit risk based on the information they gave on a credit application. Email * Footer. First, you will learn about the Altman Z-Score. Clearly, Excel is not even remotely the best platform to perform large scale credit risk modeling or analysis. //https://www.wallstreetmojo.com/assets/Learn-from-Home-Offer.png, This Credit Risk Modeling Course comes with 3+ hours of HD video tutorials and Lifetime Access. Clearly written with a multitude of practical examples, the new edition of Credit Risk Modeling using Excel and VBA will prove an indispensable resource for anyone working in, studying or researching this important field. How to repair your credit like the pros? Treating outliers in input variables. To make it more commendable, you will also go through a case study of the US airline industry. It is common to blame the inadequacy of credit risk models for the fact that the financial crisis has caught many market participants by surprise. No eligibility as such. September 4, 2018. Without looking at the practical example it would be impossible to understand the model at all, this section stresses the need to exemplify whatever you have learned in the previous section in detail. Excellent cut from the renowned authors! First of all, this course is so comprehensive that you would learn everything about credit risk modeling. My Account. Excellent book!!!! September 3, 2018. Credit default risk is the reason why all the banks perform a thorough credit backgroun… This tutorial is part three of a three-part tutorial series. Unable to add item to List. This credit risk modeling course is comprehensive. It is calculated by (1 - Recovery Rate). It comprises the quantitative and qualitative analysis tools and practical application of the CAPM model in the case study. Secondly, this course is pretty short compared to whatever it is delivering. This book will help you get started with an easy to follow guide and templates. Credit Risk Modeling using Excel and VBA with DVD provides practitioners with a hands on introduction to credit risk modeling. Computing statistics after model estimation. Here are a few reasons for which this course is the most valuable course among all –. Studying Finance? Additional material, including slide sets and exercises for lecturers, is available on our homepage loeffler-posch.com. Lastly, doing this course is so very convenient. It measures the level of risk of being defaulted/delinquent. It is a proportion of the total exposure when borrower defaults. Credit Risk Modeling using Excel and VBA, 2nd Edition. Excel modelling was very beneficial because it gave hands on for working on real data and analyze and formulate the credit score of a company. This Credit Modeling Course is designed for students and professionals who want to master credit modeling skills. Interpreting regression statistics. Prediction and scenario analysis. various models like the Altzman Z score model proved to be robust for many sectors altogether. 2) Traditional credit models – credit rating & credit scoring – strengths n weaknesses. Name * First Last. Prime members enjoy FREE Delivery and exclusive access to music, movies, TV shows, original audio series, and Kindle books. The time is evolving and with the evolvement of time, the concepts, theories, ways of looking at each factor of business have also been going through dramatic shifts. Previous page of related Sponsored Products. By closing this banner, scrolling this page, clicking a link or continuing to browse otherwise, you agree to our Privacy Policy, Christmas Offer - All in One Financial Analyst Bundle (250+ Courses, 40+ Projects) View More, You get instant access to this Credit Risk Course, Traditional Credit Models, Examples of Traditional Credit Models, Example of Structural Model of Credit Risk, Altman Z-Score, Credit Analysis, UFCE and WC Modeling and Internal Ratings in Credit Modeling. 3) Probability density function of credit losses (discussion on VaR) 4) Parameter specifications – eg. Starting at just $114.00. Welcome to Credit Risk Modeling in Python. Reviewed in the United States on June 30, 2019. Instead of just presenting analytical methods it shows how to implement them using Excel and VBA, in addition to a detailed description in the text a DVD guides readers step by step through the implementation. There was an error retrieving your Wish Lists. Thirdly, this course will not only teach you the fundamental concepts; it will also teach you the practical aspects of credit risk modeling so that you can apply immediately. 1 Estimating Credit Scores with Logit. You may be charged a restocking fee up to 50% of item's price for used or damaged returns and up to 100% for materially different item. On closer inspection, though, it often appears that market participants failed to understand or to use the models correctly. Since my background is not really math intensive, I am deeply worried if I can deliver my risk models just in time. Methodologies for modeling credit portfolio risk are covered, including the asset value approach and the structural approach. This book provides practitioners and students with a hands-on introduction to. estimation error). }.excel_main_div{display:inline-block;margin:10px;width:14%;float:left}.excel_icon_width{width:45px;margin:0 auto}.excel_file_name{text-align:center;line-height:18px;font-size:14px;margin:10px 0;color:#000}@media (min-width:768px){.five-sixths{width:93.90598%}}.apexcharts-canvas{margin:0 auto}#overview h2{margin-top:2.3em}.timelineCourse{--uiTimelineCourseMainColor:var(--timelineCourseMainColor, #000);--uiTimelineCourseSecondaryColor:var(--timelineCourseSecondaryColor, #fff);position:relative;padding:2.3rem 3rem 0 0}.timelineCourse__content p{margin-bottom:0;color:#000;line-height:18px}.timelineCourse:before{content:"";width:4px;height:100%;position:absolute;top:0}.timelineCourse__group{position:relative}.timelineCourse__group:not(:first-of-type){margin-top:4rem}.timelineCourse__year{padding:.5rem 1.5rem;color:var(--uiTimelineCourseSecondaryColor);background-color:var(--uiTimelineCourseMainColor);position:absolute;left:0;top:0}.timelineCourse__box{position:relative}.timelineCourse__box:not(:last-of-type){margin-bottom:25px}.timelineCourse__box:before{content:"";width:45px;height:2px;background-color:var(--uiTimelineCourseMainColor);position:absolute;left:30px}.timelineCourse__date{width:35px;position:absolute;left:15px;box-sizing:border-box;padding:.5rem .9rem;text-align:center;background-color:var(--uiTimelineCourseMainColor);color:var(--uiTimelineCourseSecondaryColor);border-radius:50%;border:2px solid #556877}.timelineCourse__day{font-size:1.5rem;font-weight:400;display:block}.timelineCourse__month{display:block;font-size:.8em;text-transform:uppercase}.timelineCourse__post{padding:.5rem 1rem;border-radius:2px;border-left:3px solid var(--uiTimelineCourseMainColor);box-shadow:0 1px 3px 0 rgba(0,0,0,.12),0 1px 2px 0 rgba(0,0,0,.24);background-color:var(--uiTimelineCourseSecondaryColor)}@media screen and (min-width:641px){.timelineCourse:before{left:30px}.timelineCourse__group{padding-top:0}.timelineCourse__box{padding-left:75px}.timelineCourse__box:before{top:50%;-webkit-transform:translateY(-50%);transform:translateY(-50%)}.timelineCourse__date{top:75%;margin-top:-25px}}@media screen and (max-width:640px){.timelineCourse:before{left:0}.timelineCourse__group{padding-top:5px}.timelineCourse__box{padding-left:75px;padding-top:0}.timelineCourse__box:before{top:13px}.timelineCourse__date{top:-4px}}.timelineCourse{--timelineCourseMainColor:#3c4950;font-size:15px}.custom-container-styling{padding:30px 180px 20px 0;position:relative;z-index:1;margin:50px 0}.custom-container-styling:before{content:'';background:#f5f5f5;height:100%;width:96%;box-shadow:5px 5px 5px 1px #999;position:absolute;left:18px;top:0;z-index:-1}.custom-container-styling .signature-icon{color:#fff;background:#3c4950;font-size:37px;text-align:center;text-shadow:0 0 5px #000;line-height:65px;width:60px;height:60px;border-radius:50%;box-shadow:0 0 0 10px #feb019;transform:translateY(-50%);position:absolute;top:50%;right:0}.custom-container-styling .signature-details{margin-bottom:15px}.custom-container-styling .title{color:#fff;background:linear-gradient(126deg,#3c4950 92%,transparent 93%);font-size:30px;letter-spacing:1px;padding:5px 45px 5px 30px;margin:0 0 5px 0;position:relative}.custom-container-styling .title:before{content:"";background:linear-gradient(to bottom left,#3c4950 49%,transparent 50%);width:16px;height:16px;position:absolute;bottom:-16px;left:-1px}.custom-container-styling .post{color:#392b8a;font-size:15px;font-weight:600;text-transform:uppercase;padding:0 45px 0 0;display:block}.custom-container-styling .signature-content{padding:0 45px 0 0;margin:0;list-style:none}.custom-container-styling .signature-content li{margin-bottom:5px}.custom-container-styling .signature-content li .website{color:#392b8a;font-size:17px;font-weight:600;display:inline-block}.custom-container-styling .signature-content li span{color:#f55327;font-weight:600}@media screen and (max-width:767px){.custom-container-styling{padding:10px 0 30px}.custom-container-styling:before{width:96%}.custom-container-styling .signature-icon{width:130px;height:130px;line-height:120px;font-size:55px;top:20px;left:50%;transform:translateX(-50%);display:none}.custom-container-styling .signature-content,.custom-container-styling .signature-details{text-align:left}.custom-container-styling .title{font-size:22px;padding:5px 25px}.custom-container-styling .post,.custom-container-styling .signature-content{padding:0 15px}}.video-list-thumbs>li{margin-bottom:12px;list-style-type:none!important}.video-list-thumbs>li>a{display:inline-block;position:relative;background-color:#f5f5f5;color:#fff;padding:8px;transition:all .5s ease-in-out;border-radius:4px;border-bottom:none!important;box-shadow:0 10px 5px 0 rgba(0,0,0,.12),inset 0 -2px 0 0 #dadce0}.video-list-thumbs>li>a:hover{box-shadow:0 2px 5px rgba(0,0,0,.3);text-decoration:none}.video-list-thumbs p{bottom:0;font-size:14px;height:33px;margin:8px 0 0;line-height:1.2!important;font-weight:400;display:block;color:#000!important}.video-list-thumbs .fa-play-circle-o{font-size:70px;opacity:.6;position:absolute;right:35%;top:25%;text-shadow:0 1px 3px rgba(0,0,0,.5);transition:all .5s ease-in-out;color:#fff}.video-list-thumbs>li>a:hover .fa-play-circle-o{color:#fff;opacity:1;text-shadow:0 1px 3px rgba(0,0,0,.8)}.video-list-thumbs .duration{background-color:rgba(0,0,0,.4);border-radius:2px;color:#fff;font-size:11px;font-weight:700;left:12px;line-height:13px;padding:2px 3px 1px;position:absolute;top:12px;transition:all .5s ease}.video-list-thumbs>li>a:hover .duration{background-color:#000}@media (min-width:320px) and (max-width:480px){.video-list-thumbs .fa-play-circle-o{font-size:35px;right:37%;top:27%}.mocktest .mocktest_right{display:none}.omt{text-decoration:none!important}}.list-unstyled{padding-left:0;list-style:none;display:flex;margin-left:0!important}ul.list-unstyled .one-third z{opacity:.9}.lightbox-header .container span{font-size:1.4em;font-family:'Nunito Sans',-apple-system,blinkmacsystemfont,'Segoe UI',roboto,helvetica,arial,sans-serif;margin:1em 0;display:block;font-weight:600}.lightbox-header .container{margin:0 auto;width:95%;max-width:1140px}.media{position:relative;padding-top:30px;padding-bottom:56.25%;height:0;height:auto;max-width:100%;margin-bottom:1em;overflow:hidden}.media-scroll{overflow-y:auto;-webkit-overflow-scrolling:touch}.media.widescreen{padding-bottom:45%}.media.vimeo{padding-top:0}.media.instagram{height:auto;max-width:none;padding-bottom:120%}.media.vine{height:auto;max-width:none;padding-bottom:100%}.media.getty{height:auto;padding-bottom:79.96632996632997%}.media.video{padding-top:0}.media embed,.media iframe,.media object,.media video{position:absolute;top:0;left:0;width:100%;height:100%;padding:0;margin:0;border:0;outline:0;background-color:transparent}.media img{position:absolute;top:-1000000%;right:-1000000%;bottom:-1000000%;left:-1000000%;margin:auto;width:100%}.lightbox-lock>body,.lightbox-on{height:100%;overflow:hidden;-ms-touch-action:none;touch-action:none}.lightbox-overlay{position:fixed;overflow:hidden;z-index:2147483647;left:0;top:0;right:0;bottom:0;height:100%;width:100%;text-align:center;background-image:url(data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVQI12NgYGDYDAAAuAC0TCbBxgAAAABJRU5ErkJggg==);background-repeat:repeat;-webkit-overflow-scrolling:touch;-webkit-backface-visibility:hidden}.lightbox-footer,.lightbox-header{padding:1px 1em 1px 4.555em;margin:-1px 0;width:100%;color:#fff;position:fixed;top:0;left:0;right:0;z-index:1;overflow:hidden}.lightbox-header{padding-right:4.555em}.lightbox-footer{top:auto;bottom:0}.lightbox-overlay:before{content:"";display:inline-block;height:100%;vertical-align:middle;width:1px;margin-right:-1px;margin-left:-.25em}.lightbox-overlay.lightbox-loader:after{position:absolute;width:28px;height:28px;border-radius:100%;margin:auto;top:0;right:0;bottom:0;left:0;background-image:url(data:image/gif;base64,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);background-position:center center;background-repeat:no-repeat;content:" ";z-index:3}.lightbox{display:inline-block;vertical-align:middle;max-height:100%;max-width:100%;margin:0 auto;overflow:auto}.lightbox.lightbox-ajax{width:100%;max-width:1140px}.lightbox.lightbox-iframe{width:100%;max-width:900px;overflow:hidden}.lightbox.lightbox-image{overflow:hidden}.lightbox-content{background-color:#fff;padding:1em;text-align:left;max-height:100%;overflow:auto}.lightbox>img{max-height:100%}.lightbox>.media{background-color:#111;margin:0 auto}.lightbox-close{position:fixed;right:0;top:0;z-index:2;display:inline-block;padding:.83em;color:#fff;font-size:1.5em;font-weight:700;text-decoration:none}.lightbox-close:hover{text-decoration:underline}.lightbox-direction,.lightbox-direction:visited{position:fixed;display:block;width:2em;top:49%;left:0;padding:.5em;font-size:2em;font-weight:700;text-align:center;color:#fff;text-decoration:none;z-index:2}.lightbox-direction.right{left:auto;right:0}.lightbox-direction:hover{text-decoration:underline}.ir{background-color:transparent;border:0;overflow:hidden}.ir:before{content:"";display:block;width:0;height:150%}.hidden{display:none!important;visibility:hidden}.visuallyhidden{border:0;clip:rect(0 0 0 0);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px}.visuallyhidden.focusable:active,.visuallyhidden.focusable:focus{clip:auto;height:auto;margin:0;overflow:visible;position:static;width:auto}.invisible{visibility:hidden}.clearfix:after,.clearfix:before{content:" ";display:table}.clearfix:after{clear:both}.push-left{float:left!important}.push-right{float:right!important}.block{display:block!important}.inline-block{display:inline-block!important}.inline{display:inline!important}.fade-out{opacity:0!important}.fade-in{opacity:1!important}.fade-in,.fade-out{-moz-transition:opacity .3s;-o-transition:opacity .3s;-webkit-transition:opacity .3s;transition:opacity .3s}.visible-l,.visible-m,.visible-s,.visible-xs{display:none!important}@media (max-width:47.99em){.hidden-xs{display:none!important}.visible-xs{display:block!important}table.visible-xs{display:table}thead.visible-xs{display:table-header-group!important}tfoot.visible-xs{display:table-footer-group!important}tr.visible-xs{display:table-row!important}td.visible-xs,th.visible-xs{display:table-cell!important}col.visible-xs{display:table-column!important}caption.visible-xs{display:table-caption!important}}@media (min-width:48em) and (max-width:61.99em){.hidden-s{display:none!important}.visible-s{display:block!important}table.visible-s{display:table!important}thead.visible-s{display:table-header-group!important}tfoot.visible-s{display:table-footer-group!important}tr.visible-s{display:table-row!important}td.visible-s,th.visible-s{display:table-cell!important}col.visible-s{display:table-column!important}caption.visible-s{display:table-caption!important}}@media (min-width:62em) and (max-width:74.99em){.hidden-m{display:none!important}.visible-m{display:block!important}table.visible-m{display:table!important}thead.visible-m{display:table-header-group!important}tfoot.visible-m{display:table-footer-group!important}tr.visible-m{display:table-row!important}td.visible-m,th.visible-m{display:table-cell!important}col.visible-m{display:table-column!important}caption.visible-m{display:table-caption!important}}@media (min-width:75em){.hidden-l{display:none!important}.visible-l{display:block!important}table.visible-l{display:table!important}thead.visible-l{display:table-header-group!important}tfoot.visible-l{display:table-footer-group!important}tr.visible-l{display:table-row!important}td.visible-l,th.visible-l{display:table-cell!important}col.visible-l{display:table-column!important}caption.visible-l{display:table-caption!important}}@media print{*{background:0 0!important;color:#000!important;box-shadow:none!important;text-shadow:none!important}a,a:visited{text-decoration:underline}a[href]:after{content:" (" attr(href) ")"}abbr[title]:after{content:" (" attr(title) ")"}.ir a:after,a[href^="#"]:after,a[href^="javascript:"]:after{content:""}blockquote,pre{border:1px solid #999;page-break-inside:avoid}thead{display:table-header-group}img,tr{page-break-inside:avoid}img{max-width:100%!important}@page{margin:.5cm}h2,h3,p{orphans:3;widows:3}h2,h3{page-break-after:avoid}}[data-aos][data-aos][data-aos-duration="50"],body[data-aos-duration="50"] [data-aos]{transition-duration:50ms}[data-aos][data-aos][data-aos-delay="50"],body[data-aos-delay="50"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="50"].aos-animate,body[data-aos-delay="50"] [data-aos].aos-animate{transition-delay:50ms}[data-aos][data-aos][data-aos-duration="100"],body[data-aos-duration="100"] [data-aos]{transition-duration:.1s}[data-aos][data-aos][data-aos-delay="100"],body[data-aos-delay="100"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="100"].aos-animate,body[data-aos-delay="100"] [data-aos].aos-animate{transition-delay:.1s}[data-aos][data-aos][data-aos-duration="150"],body[data-aos-duration="150"] [data-aos]{transition-duration:.15s}[data-aos][data-aos][data-aos-delay="150"],body[data-aos-delay="150"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="150"].aos-animate,body[data-aos-delay="150"] [data-aos].aos-animate{transition-delay:.15s}[data-aos][data-aos][data-aos-duration="200"],body[data-aos-duration="200"] [data-aos]{transition-duration:.2s}[data-aos][data-aos][data-aos-delay="200"],body[data-aos-delay="200"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="200"].aos-animate,body[data-aos-delay="200"] [data-aos].aos-animate{transition-delay:.2s}[data-aos][data-aos][data-aos-duration="250"],body[data-aos-duration="250"] [data-aos]{transition-duration:.25s}[data-aos][data-aos][data-aos-delay="250"],body[data-aos-delay="250"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="250"].aos-animate,body[data-aos-delay="250"] [data-aos].aos-animate{transition-delay:.25s}[data-aos][data-aos][data-aos-duration="300"],body[data-aos-duration="300"] [data-aos]{transition-duration:.3s}[data-aos][data-aos][data-aos-delay="300"],body[data-aos-delay="300"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="300"].aos-animate,body[data-aos-delay="300"] [data-aos].aos-animate{transition-delay:.3s}[data-aos][data-aos][data-aos-duration="350"],body[data-aos-duration="350"] [data-aos]{transition-duration:.35s}[data-aos][data-aos][data-aos-delay="350"],body[data-aos-delay="350"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="350"].aos-animate,body[data-aos-delay="350"] [data-aos].aos-animate{transition-delay:.35s}[data-aos][data-aos][data-aos-duration="400"],body[data-aos-duration="400"] [data-aos]{transition-duration:.4s}[data-aos][data-aos][data-aos-delay="400"],body[data-aos-delay="400"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="400"].aos-animate,body[data-aos-delay="400"] [data-aos].aos-animate{transition-delay:.4s}[data-aos][data-aos][data-aos-duration="450"],body[data-aos-duration="450"] [data-aos]{transition-duration:.45s}[data-aos][data-aos][data-aos-delay="450"],body[data-aos-delay="450"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="450"].aos-animate,body[data-aos-delay="450"] [data-aos].aos-animate{transition-delay:.45s}[data-aos][data-aos][data-aos-duration="500"],body[data-aos-duration="500"] [data-aos]{transition-duration:.5s}[data-aos][data-aos][data-aos-delay="500"],body[data-aos-delay="500"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="500"].aos-animate,body[data-aos-delay="500"] [data-aos].aos-animate{transition-delay:.5s}[data-aos][data-aos][data-aos-duration="550"],body[data-aos-duration="550"] [data-aos]{transition-duration:.55s}[data-aos][data-aos][data-aos-delay="550"],body[data-aos-delay="550"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="550"].aos-animate,body[data-aos-delay="550"] [data-aos].aos-animate{transition-delay:.55s}[data-aos][data-aos][data-aos-duration="600"],body[data-aos-duration="600"] [data-aos]{transition-duration:.6s}[data-aos][data-aos][data-aos-delay="600"],body[data-aos-delay="600"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="600"].aos-animate,body[data-aos-delay="600"] [data-aos].aos-animate{transition-delay:.6s}[data-aos][data-aos][data-aos-duration="650"],body[data-aos-duration="650"] [data-aos]{transition-duration:.65s}[data-aos][data-aos][data-aos-delay="650"],body[data-aos-delay="650"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="650"].aos-animate,body[data-aos-delay="650"] [data-aos].aos-animate{transition-delay:.65s}[data-aos][data-aos][data-aos-duration="700"],body[data-aos-duration="700"] [data-aos]{transition-duration:.7s}[data-aos][data-aos][data-aos-delay="700"],body[data-aos-delay="700"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="700"].aos-animate,body[data-aos-delay="700"] [data-aos].aos-animate{transition-delay:.7s}[data-aos][data-aos][data-aos-duration="750"],body[data-aos-duration="750"] [data-aos]{transition-duration:.75s}[data-aos][data-aos][data-aos-delay="750"],body[data-aos-delay="750"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="750"].aos-animate,body[data-aos-delay="750"] [data-aos].aos-animate{transition-delay:.75s}[data-aos][data-aos][data-aos-duration="800"],body[data-aos-duration="800"] [data-aos]{transition-duration:.8s}[data-aos][data-aos][data-aos-delay="800"],body[data-aos-delay="800"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="800"].aos-animate,body[data-aos-delay="800"] [data-aos].aos-animate{transition-delay:.8s}[data-aos][data-aos][data-aos-duration="850"],body[data-aos-duration="850"] [data-aos]{transition-duration:.85s}[data-aos][data-aos][data-aos-delay="850"],body[data-aos-delay="850"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="850"].aos-animate,body[data-aos-delay="850"] [data-aos].aos-animate{transition-delay:.85s}[data-aos][data-aos][data-aos-duration="900"],body[data-aos-duration="900"] [data-aos]{transition-duration:.9s}[data-aos][data-aos][data-aos-delay="900"],body[data-aos-delay="900"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="900"].aos-animate,body[data-aos-delay="900"] [data-aos].aos-animate{transition-delay:.9s}[data-aos][data-aos][data-aos-duration="950"],body[data-aos-duration="950"] [data-aos]{transition-duration:.95s}[data-aos][data-aos][data-aos-delay="950"],body[data-aos-delay="950"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="950"].aos-animate,body[data-aos-delay="950"] [data-aos].aos-animate{transition-delay:.95s}[data-aos][data-aos][data-aos-duration="1000"],body[data-aos-duration="1000"] [data-aos]{transition-duration:1s}[data-aos][data-aos][data-aos-delay="1000"],body[data-aos-delay="1000"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1000"].aos-animate,body[data-aos-delay="1000"] [data-aos].aos-animate{transition-delay:1s}[data-aos][data-aos][data-aos-duration="1050"],body[data-aos-duration="1050"] [data-aos]{transition-duration:1.05s}[data-aos][data-aos][data-aos-delay="1050"],body[data-aos-delay="1050"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1050"].aos-animate,body[data-aos-delay="1050"] [data-aos].aos-animate{transition-delay:1.05s}[data-aos][data-aos][data-aos-duration="1100"],body[data-aos-duration="1100"] [data-aos]{transition-duration:1.1s}[data-aos][data-aos][data-aos-delay="1100"],body[data-aos-delay="1100"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1100"].aos-animate,body[data-aos-delay="1100"] [data-aos].aos-animate{transition-delay:1.1s}[data-aos][data-aos][data-aos-duration="1150"],body[data-aos-duration="1150"] [data-aos]{transition-duration:1.15s}[data-aos][data-aos][data-aos-delay="1150"],body[data-aos-delay="1150"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1150"].aos-animate,body[data-aos-delay="1150"] [data-aos].aos-animate{transition-delay:1.15s}[data-aos][data-aos][data-aos-duration="1200"],body[data-aos-duration="1200"] [data-aos]{transition-duration:1.2s}[data-aos][data-aos][data-aos-delay="1200"],body[data-aos-delay="1200"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1200"].aos-animate,body[data-aos-delay="1200"] [data-aos].aos-animate{transition-delay:1.2s}[data-aos][data-aos][data-aos-duration="1250"],body[data-aos-duration="1250"] [data-aos]{transition-duration:1.25s}[data-aos][data-aos][data-aos-delay="1250"],body[data-aos-delay="1250"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1250"].aos-animate,body[data-aos-delay="1250"] [data-aos].aos-animate{transition-delay:1.25s}[data-aos][data-aos][data-aos-duration="1300"],body[data-aos-duration="1300"] [data-aos]{transition-duration:1.3s}[data-aos][data-aos][data-aos-delay="1300"],body[data-aos-delay="1300"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1300"].aos-animate,body[data-aos-delay="1300"] [data-aos].aos-animate{transition-delay:1.3s}[data-aos][data-aos][data-aos-duration="1350"],body[data-aos-duration="1350"] [data-aos]{transition-duration:1.35s}[data-aos][data-aos][data-aos-delay="1350"],body[data-aos-delay="1350"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1350"].aos-animate,body[data-aos-delay="1350"] [data-aos].aos-animate{transition-delay:1.35s}[data-aos][data-aos][data-aos-duration="1400"],body[data-aos-duration="1400"] [data-aos]{transition-duration:1.4s}[data-aos][data-aos][data-aos-delay="1400"],body[data-aos-delay="1400"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1400"].aos-animate,body[data-aos-delay="1400"] [data-aos].aos-animate{transition-delay:1.4s}[data-aos][data-aos][data-aos-duration="1450"],body[data-aos-duration="1450"] [data-aos]{transition-duration:1.45s}[data-aos][data-aos][data-aos-delay="1450"],body[data-aos-delay="1450"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1450"].aos-animate,body[data-aos-delay="1450"] [data-aos].aos-animate{transition-delay:1.45s}[data-aos][data-aos][data-aos-duration="1500"],body[data-aos-duration="1500"] [data-aos]{transition-duration:1.5s}[data-aos][data-aos][data-aos-delay="1500"],body[data-aos-delay="1500"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1500"].aos-animate,body[data-aos-delay="1500"] [data-aos].aos-animate{transition-delay:1.5s}[data-aos][data-aos][data-aos-duration="1550"],body[data-aos-duration="1550"] [data-aos]{transition-duration:1.55s}[data-aos][data-aos][data-aos-delay="1550"],body[data-aos-delay="1550"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1550"].aos-animate,body[data-aos-delay="1550"] [data-aos].aos-animate{transition-delay:1.55s}[data-aos][data-aos][data-aos-duration="1600"],body[data-aos-duration="1600"] [data-aos]{transition-duration:1.6s}[data-aos][data-aos][data-aos-delay="1600"],body[data-aos-delay="1600"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1600"].aos-animate,body[data-aos-delay="1600"] [data-aos].aos-animate{transition-delay:1.6s}[data-aos][data-aos][data-aos-duration="1650"],body[data-aos-duration="1650"] [data-aos]{transition-duration:1.65s}[data-aos][data-aos][data-aos-delay="1650"],body[data-aos-delay="1650"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1650"].aos-animate,body[data-aos-delay="1650"] [data-aos].aos-animate{transition-delay:1.65s}[data-aos][data-aos][data-aos-duration="1700"],body[data-aos-duration="1700"] [data-aos]{transition-duration:1.7s}[data-aos][data-aos][data-aos-delay="1700"],body[data-aos-delay="1700"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1700"].aos-animate,body[data-aos-delay="1700"] [data-aos].aos-animate{transition-delay:1.7s}[data-aos][data-aos][data-aos-duration="1750"],body[data-aos-duration="1750"] [data-aos]{transition-duration:1.75s}[data-aos][data-aos][data-aos-delay="1750"],body[data-aos-delay="1750"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1750"].aos-animate,body[data-aos-delay="1750"] [data-aos].aos-animate{transition-delay:1.75s}[data-aos][data-aos][data-aos-duration="1800"],body[data-aos-duration="1800"] [data-aos]{transition-duration:1.8s}[data-aos][data-aos][data-aos-delay="1800"],body[data-aos-delay="1800"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1800"].aos-animate,body[data-aos-delay="1800"] [data-aos].aos-animate{transition-delay:1.8s}[data-aos][data-aos][data-aos-duration="1850"],body[data-aos-duration="1850"] [data-aos]{transition-duration:1.85s}[data-aos][data-aos][data-aos-delay="1850"],body[data-aos-delay="1850"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1850"].aos-animate,body[data-aos-delay="1850"] [data-aos].aos-animate{transition-delay:1.85s}[data-aos][data-aos][data-aos-duration="1900"],body[data-aos-duration="1900"] [data-aos]{transition-duration:1.9s}[data-aos][data-aos][data-aos-delay="1900"],body[data-aos-delay="1900"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1900"].aos-animate,body[data-aos-delay="1900"] [data-aos].aos-animate{transition-delay:1.9s}[data-aos][data-aos][data-aos-duration="1950"],body[data-aos-duration="1950"] [data-aos]{transition-duration:1.95s}[data-aos][data-aos][data-aos-delay="1950"],body[data-aos-delay="1950"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="1950"].aos-animate,body[data-aos-delay="1950"] [data-aos].aos-animate{transition-delay:1.95s}[data-aos][data-aos][data-aos-duration="2000"],body[data-aos-duration="2000"] [data-aos]{transition-duration:2s}[data-aos][data-aos][data-aos-delay="2000"],body[data-aos-delay="2000"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2000"].aos-animate,body[data-aos-delay="2000"] [data-aos].aos-animate{transition-delay:2s}[data-aos][data-aos][data-aos-duration="2050"],body[data-aos-duration="2050"] [data-aos]{transition-duration:2.05s}[data-aos][data-aos][data-aos-delay="2050"],body[data-aos-delay="2050"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2050"].aos-animate,body[data-aos-delay="2050"] [data-aos].aos-animate{transition-delay:2.05s}[data-aos][data-aos][data-aos-duration="2100"],body[data-aos-duration="2100"] [data-aos]{transition-duration:2.1s}[data-aos][data-aos][data-aos-delay="2100"],body[data-aos-delay="2100"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2100"].aos-animate,body[data-aos-delay="2100"] [data-aos].aos-animate{transition-delay:2.1s}[data-aos][data-aos][data-aos-duration="2150"],body[data-aos-duration="2150"] [data-aos]{transition-duration:2.15s}[data-aos][data-aos][data-aos-delay="2150"],body[data-aos-delay="2150"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2150"].aos-animate,body[data-aos-delay="2150"] [data-aos].aos-animate{transition-delay:2.15s}[data-aos][data-aos][data-aos-duration="2200"],body[data-aos-duration="2200"] [data-aos]{transition-duration:2.2s}[data-aos][data-aos][data-aos-delay="2200"],body[data-aos-delay="2200"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2200"].aos-animate,body[data-aos-delay="2200"] [data-aos].aos-animate{transition-delay:2.2s}[data-aos][data-aos][data-aos-duration="2250"],body[data-aos-duration="2250"] [data-aos]{transition-duration:2.25s}[data-aos][data-aos][data-aos-delay="2250"],body[data-aos-delay="2250"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2250"].aos-animate,body[data-aos-delay="2250"] [data-aos].aos-animate{transition-delay:2.25s}[data-aos][data-aos][data-aos-duration="2300"],body[data-aos-duration="2300"] [data-aos]{transition-duration:2.3s}[data-aos][data-aos][data-aos-delay="2300"],body[data-aos-delay="2300"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2300"].aos-animate,body[data-aos-delay="2300"] [data-aos].aos-animate{transition-delay:2.3s}[data-aos][data-aos][data-aos-duration="2350"],body[data-aos-duration="2350"] [data-aos]{transition-duration:2.35s}[data-aos][data-aos][data-aos-delay="2350"],body[data-aos-delay="2350"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2350"].aos-animate,body[data-aos-delay="2350"] [data-aos].aos-animate{transition-delay:2.35s}[data-aos][data-aos][data-aos-duration="2400"],body[data-aos-duration="2400"] [data-aos]{transition-duration:2.4s}[data-aos][data-aos][data-aos-delay="2400"],body[data-aos-delay="2400"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2400"].aos-animate,body[data-aos-delay="2400"] [data-aos].aos-animate{transition-delay:2.4s}[data-aos][data-aos][data-aos-duration="2450"],body[data-aos-duration="2450"] [data-aos]{transition-duration:2.45s}[data-aos][data-aos][data-aos-delay="2450"],body[data-aos-delay="2450"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2450"].aos-animate,body[data-aos-delay="2450"] [data-aos].aos-animate{transition-delay:2.45s}[data-aos][data-aos][data-aos-duration="2500"],body[data-aos-duration="2500"] [data-aos]{transition-duration:2.5s}[data-aos][data-aos][data-aos-delay="2500"],body[data-aos-delay="2500"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2500"].aos-animate,body[data-aos-delay="2500"] [data-aos].aos-animate{transition-delay:2.5s}[data-aos][data-aos][data-aos-duration="2550"],body[data-aos-duration="2550"] [data-aos]{transition-duration:2.55s}[data-aos][data-aos][data-aos-delay="2550"],body[data-aos-delay="2550"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2550"].aos-animate,body[data-aos-delay="2550"] [data-aos].aos-animate{transition-delay:2.55s}[data-aos][data-aos][data-aos-duration="2600"],body[data-aos-duration="2600"] [data-aos]{transition-duration:2.6s}[data-aos][data-aos][data-aos-delay="2600"],body[data-aos-delay="2600"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2600"].aos-animate,body[data-aos-delay="2600"] [data-aos].aos-animate{transition-delay:2.6s}[data-aos][data-aos][data-aos-duration="2650"],body[data-aos-duration="2650"] [data-aos]{transition-duration:2.65s}[data-aos][data-aos][data-aos-delay="2650"],body[data-aos-delay="2650"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2650"].aos-animate,body[data-aos-delay="2650"] [data-aos].aos-animate{transition-delay:2.65s}[data-aos][data-aos][data-aos-duration="2700"],body[data-aos-duration="2700"] [data-aos]{transition-duration:2.7s}[data-aos][data-aos][data-aos-delay="2700"],body[data-aos-delay="2700"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2700"].aos-animate,body[data-aos-delay="2700"] [data-aos].aos-animate{transition-delay:2.7s}[data-aos][data-aos][data-aos-duration="2750"],body[data-aos-duration="2750"] [data-aos]{transition-duration:2.75s}[data-aos][data-aos][data-aos-delay="2750"],body[data-aos-delay="2750"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2750"].aos-animate,body[data-aos-delay="2750"] [data-aos].aos-animate{transition-delay:2.75s}[data-aos][data-aos][data-aos-duration="2800"],body[data-aos-duration="2800"] [data-aos]{transition-duration:2.8s}[data-aos][data-aos][data-aos-delay="2800"],body[data-aos-delay="2800"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2800"].aos-animate,body[data-aos-delay="2800"] [data-aos].aos-animate{transition-delay:2.8s}[data-aos][data-aos][data-aos-duration="2850"],body[data-aos-duration="2850"] [data-aos]{transition-duration:2.85s}[data-aos][data-aos][data-aos-delay="2850"],body[data-aos-delay="2850"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2850"].aos-animate,body[data-aos-delay="2850"] [data-aos].aos-animate{transition-delay:2.85s}[data-aos][data-aos][data-aos-duration="2900"],body[data-aos-duration="2900"] [data-aos]{transition-duration:2.9s}[data-aos][data-aos][data-aos-delay="2900"],body[data-aos-delay="2900"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2900"].aos-animate,body[data-aos-delay="2900"] [data-aos].aos-animate{transition-delay:2.9s}[data-aos][data-aos][data-aos-duration="2950"],body[data-aos-duration="2950"] [data-aos]{transition-duration:2.95s}[data-aos][data-aos][data-aos-delay="2950"],body[data-aos-delay="2950"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="2950"].aos-animate,body[data-aos-delay="2950"] [data-aos].aos-animate{transition-delay:2.95s}[data-aos][data-aos][data-aos-duration="3000"],body[data-aos-duration="3000"] [data-aos]{transition-duration:3s}[data-aos][data-aos][data-aos-delay="3000"],body[data-aos-delay="3000"] [data-aos]{transition-delay:0s}[data-aos][data-aos][data-aos-delay="3000"].aos-animate,body[data-aos-delay="3000"] [data-aos].aos-animate{transition-delay:3s}[data-aos]{pointer-events:none}[data-aos].aos-animate{pointer-events:auto}[data-aos][data-aos][data-aos-easing=linear],body[data-aos-easing=linear] [data-aos]{transition-timing-function:cubic-bezier(.25,.25,.75,.75)}[data-aos][data-aos][data-aos-easing=ease],body[data-aos-easing=ease] [data-aos]{transition-timing-function:ease}[data-aos][data-aos][data-aos-easing=ease-in],body[data-aos-easing=ease-in] [data-aos]{transition-timing-function:ease-in}[data-aos][data-aos][data-aos-easing=ease-out],body[data-aos-easing=ease-out] [data-aos]{transition-timing-function:ease-out}[data-aos][data-aos][data-aos-easing=ease-in-out],body[data-aos-easing=ease-in-out] [data-aos]{transition-timing-function:ease-in-out}[data-aos][data-aos][data-aos-easing=ease-in-back],body[data-aos-easing=ease-in-back] [data-aos]{transition-timing-function:cubic-bezier(.6,-.28,.735,.045)}[data-aos][data-aos][data-aos-easing=ease-out-back],body[data-aos-easing=ease-out-back] [data-aos]{transition-timing-function:cubic-bezier(.175,.885,.32,1.275)}[data-aos][data-aos][data-aos-easing=ease-in-out-back],body[data-aos-easing=ease-in-out-back] [data-aos]{transition-timing-function:cubic-bezier(.68,-.55,.265,1.55)}[data-aos][data-aos][data-aos-easing=ease-in-sine],body[data-aos-easing=ease-in-sine] [data-aos]{transition-timing-function:cubic-bezier(.47,0,.745,.715)}[data-aos][data-aos][data-aos-easing=ease-out-sine],body[data-aos-easing=ease-out-sine] [data-aos]{transition-timing-function:cubic-bezier(.39,.575,.565,1)}[data-aos][data-aos][data-aos-easing=ease-in-out-sine],body[data-aos-easing=ease-in-out-sine] [data-aos]{transition-timing-function:cubic-bezier(.445,.05,.55,.95)}[data-aos][data-aos][data-aos-easing=ease-in-quad],body[data-aos-easing=ease-in-quad] [data-aos]{transition-timing-function:cubic-bezier(.55,.085,.68,.53)}[data-aos][data-aos][data-aos-easing=ease-out-quad],body[data-aos-easing=ease-out-quad] [data-aos]{transition-timing-function:cubic-bezier(.25,.46,.45,.94)}[data-aos][data-aos][data-aos-easing=ease-in-out-quad],body[data-aos-easing=ease-in-out-quad] [data-aos]{transition-timing-function:cubic-bezier(.455,.03,.515,.955)}[data-aos][data-aos][data-aos-easing=ease-in-cubic],body[data-aos-easing=ease-in-cubic] [data-aos]{transition-timing-function:cubic-bezier(.55,.085,.68,.53)}[data-aos][data-aos][data-aos-easing=ease-out-cubic],body[data-aos-easing=ease-out-cubic] [data-aos]{transition-timing-function:cubic-bezier(.25,.46,.45,.94)}[data-aos][data-aos][data-aos-easing=ease-in-out-cubic],body[data-aos-easing=ease-in-out-cubic] [data-aos]{transition-timing-function:cubic-bezier(.455,.03,.515,.955)}[data-aos][data-aos][data-aos-easing=ease-in-quart],body[data-aos-easing=ease-in-quart] [data-aos]{transition-timing-function:cubic-bezier(.55,.085,.68,.53)}[data-aos][data-aos][data-aos-easing=ease-out-quart],body[data-aos-easing=ease-out-quart] [data-aos]{transition-timing-function:cubic-bezier(.25,.46,.45,.94)}[data-aos][data-aos][data-aos-easing=ease-in-out-quart],body[data-aos-easing=ease-in-out-quart] [data-aos]{transition-timing-function:cubic-bezier(.455,.03,.515,.955)}@media screen{html:not(.no-js) [data-aos^=fade][data-aos^=fade]{opacity:0;transition-property:opacity,-webkit-transform;transition-property:opacity,transform;transition-property:opacity,transform,-webkit-transform}html:not(.no-js) [data-aos^=fade][data-aos^=fade].aos-animate{opacity:1;-webkit-transform:none;transform:none}html:not(.no-js) [data-aos=fade-up]{-webkit-transform:translate3d(0,100px,0);transform:translate3d(0,100px,0)}html:not(.no-js) [data-aos=fade-down]{-webkit-transform:translate3d(0,-100px,0);transform:translate3d(0,-100px,0)}html:not(.no-js) [data-aos=fade-right]{-webkit-transform:translate3d(-100px,0,0);transform:translate3d(-100px,0,0)}html:not(.no-js) [data-aos=fade-left]{-webkit-transform:translate3d(100px,0,0);transform:translate3d(100px,0,0)}html:not(.no-js) [data-aos=fade-up-right]{-webkit-transform:translate3d(-100px,100px,0);transform:translate3d(-100px,100px,0)}html:not(.no-js) [data-aos=fade-up-left]{-webkit-transform:translate3d(100px,100px,0);transform:translate3d(100px,100px,0)}html:not(.no-js) [data-aos=fade-down-right]{-webkit-transform:translate3d(-100px,-100px,0);transform:translate3d(-100px,-100px,0)}html:not(.no-js) [data-aos=fade-down-left]{-webkit-transform:translate3d(100px,-100px,0);transform:translate3d(100px,-100px,0)}html:not(.no-js) [data-aos^=zoom][data-aos^=zoom]{opacity:0;transition-property:opacity,-webkit-transform;transition-property:opacity,transform;transition-property:opacity,transform,-webkit-transform}html:not(.no-js) [data-aos^=zoom][data-aos^=zoom].aos-animate{opacity:1;-webkit-transform:translateZ(0) scale(1);transform:translateZ(0) scale(1)}html:not(.no-js) [data-aos=zoom-in]{-webkit-transform:scale(.6);transform:scale(.6)}html:not(.no-js) [data-aos=zoom-in-up]{-webkit-transform:translate3d(0,100px,0) scale(.6);transform:translate3d(0,100px,0) scale(.6)}html:not(.no-js) [data-aos=zoom-in-down]{-webkit-transform:translate3d(0,-100px,0) scale(.6);transform:translate3d(0,-100px,0) scale(.6)}html:not(.no-js) [data-aos=zoom-in-right]{-webkit-transform:translate3d(-100px,0,0) scale(.6);transform:translate3d(-100px,0,0) scale(.6)}html:not(.no-js) [data-aos=zoom-in-left]{-webkit-transform:translate3d(100px,0,0) scale(.6);transform:translate3d(100px,0,0) scale(.6)}html:not(.no-js) [data-aos=zoom-out]{-webkit-transform:scale(1.2);transform:scale(1.2)}html:not(.no-js) [data-aos=zoom-out-up]{-webkit-transform:translate3d(0,100px,0) scale(1.2);transform:translate3d(0,100px,0) scale(1.2)}html:not(.no-js) [data-aos=zoom-out-down]{-webkit-transform:translate3d(0,-100px,0) scale(1.2);transform:translate3d(0,-100px,0) scale(1.2)}html:not(.no-js) [data-aos=zoom-out-right]{-webkit-transform:translate3d(-100px,0,0) scale(1.2);transform:translate3d(-100px,0,0) scale(1.2)}html:not(.no-js) [data-aos=zoom-out-left]{-webkit-transform:translate3d(100px,0,0) scale(1.2);transform:translate3d(100px,0,0) scale(1.2)}html:not(.no-js) [data-aos^=slide][data-aos^=slide]{transition-property:-webkit-transform;transition-property:transform;transition-property:transform,-webkit-transform;visibility:hidden}html:not(.no-js) [data-aos^=slide][data-aos^=slide].aos-animate{visibility:visible;-webkit-transform:translateZ(0);transform:translateZ(0)}html:not(.no-js) [data-aos=slide-up]{-webkit-transform:translate3d(0,100%,0);transform:translate3d(0,100%,0)}html:not(.no-js) [data-aos=slide-down]{-webkit-transform:translate3d(0,-100%,0);transform:translate3d(0,-100%,0)}html:not(.no-js) [data-aos=slide-right]{-webkit-transform:translate3d(-100%,0,0);transform:translate3d(-100%,0,0)}html:not(.no-js) [data-aos=slide-left]{-webkit-transform:translate3d(100%,0,0);transform:translate3d(100%,0,0)}html:not(.no-js) [data-aos^=flip][data-aos^=flip]{-webkit-backface-visibility:hidden;backface-visibility:hidden;transition-property:-webkit-transform;transition-property:transform;transition-property:transform,-webkit-transform}html:not(.no-js) [data-aos=flip-left]{-webkit-transform:perspective(2500px) rotateY(-100deg);transform:perspective(2500px) rotateY(-100deg)}html:not(.no-js) [data-aos=flip-left].aos-animate{-webkit-transform:perspective(2500px) rotateY(0);transform:perspective(2500px) rotateY(0)}html:not(.no-js) [data-aos=flip-right]{-webkit-transform:perspective(2500px) rotateY(100deg);transform:perspective(2500px) rotateY(100deg)}html:not(.no-js) [data-aos=flip-right].aos-animate{-webkit-transform:perspective(2500px) rotateY(0);transform:perspective(2500px) rotateY(0)}html:not(.no-js) [data-aos=flip-up]{-webkit-transform:perspective(2500px) rotateX(-100deg);transform:perspective(2500px) rotateX(-100deg)}html:not(.no-js) [data-aos=flip-up].aos-animate{-webkit-transform:perspective(2500px) rotateX(0);transform:perspective(2500px) rotateX(0)}html:not(.no-js) [data-aos=flip-down]{-webkit-transform:perspective(2500px) rotateX(100deg);transform:perspective(2500px) rotateX(100deg)}html:not(.no-js) [data-aos=flip-down].aos-animate{-webkit-transform:perspective(2500px) rotateX(0);transform:perspective(2500px) rotateX(0)}}span.space{margin:0 27em 0;position:relative;display:inline-block}#certificate h3{text-align:center;margin:1.382em 0 1.382em 0}#certificate img{margin:0 auto;width:70%}a.scroll_down.bounce:focus{outline:0}#projects:focus{outline:0}.mocktest{display:inline-block;position:relative;text-align:left;cursor:pointer}.mocktest .mocktest_right{min-width:400px;max-width:400px;top:50%;left:100%;margin-left:20px;transform:translate(0,-50%);padding:0;color:#eee;background-color:#333;font-weight:400;font-size:14px;border-radius:8px;position:absolute;z-index:99999999;box-sizing:border-box;box-shadow:0 1px 8px rgba(0,0,0,.5);visibility:hidden;opacity:0;transition:opacity .8s;cursor:text}.mocktest:hover .mocktest_right{visibility:visible;opacity:1}.mocktest .mocktest_right img{width:400px;border-radius:8px 8px 0 0}.mocktest .text-content{padding:10px 20px}.mocktest .mocktest_right i{position:absolute;top:50%;right:100%;margin-top:-12px;width:12px;height:24px;overflow:hidden}.mocktest .mocktest_right i::after{content:'';position:absolute;width:12px;height:12px;left:0;top:50%;transform:translate(50%,-50%) rotate(-45deg);background-color:#333;box-shadow:0 1px 8px rgba(0,0,0,.5)}.text-content ul{padding-left:20px;margin-left:0;color:#fff;margin-bottom:0}.text-content li{text-align:left;list-style-type:disc;padding:5px 0;line-height:1.5}.omt{text-decoration:underline}.bfs{text-align:center;display:flex;white-space:nowrap;overflow:hidden;position:absolute;z-index:1;margin:-4px 0 0 0;padding:0;pointer-events:none;width:100%}.swingsale{-webkit-transform-origin:50% 0;transform-origin:50% 0;-webkit-animation:swinging 3.5s ease-in-out forwards infinite;animation:swinging 3.5s ease-in-out forwards infinite;height:40px;margin-right:2em}@-webkit-keyframes swinging{0%{-webkit-transform:rotate(5deg)}50%{-webkit-transform:rotate(-5deg)}100%{-webkit-transform:rotate(5deg)}}@keyframes swinging{0%{transform:rotate(5deg)}50%{transform:rotate(-5deg)}100%{transform:rotate(5deg)}}.bfo{-webkit-text-stroke-width:.8px;-webkit-text-stroke-color:#2f2f2f;color:#f5d705;font-size:1.6em;font-family:cursive;letter-spacing:1px;line-height:20px;font-family:Impact,Charcoal,sans-serif;margin-right:.5em}#topdiv{background:#000;text-align:center}#topdiv #bg-topdiv{padding-top:5px;background-size:contain;background-color:rgba(6,6,6,.95);color:#fff}#topdiv .p-topdiv{padding:.2em;line-height:inherit}#topdiv .strike-class{color:#fff;font-size:17px}#topdiv .cnt_timer{padding:0 2%}#topdiv .countdownHolder{text-align:end}#topdiv .bg_icon{position:absolute;width:185px;height:0;right:75px;top:-55px;z-index:0;display:none}#topdiv #cal-to-act-img{width:80px}.all-in-one{background-image:radial-gradient(circle at top left,#2b303a 10%,rgba(43,48,58,.75) 100%),url(https://www.wallstreetmojo.com/wp-content/uploads/2019/03/WSMOJO_Banner-3.jpg);background-size:cover}.delta_valuep{color:#000}.jop_hero_header{color:#fff}#bullts-pts{margin-bottom:2%}#bst-seller-badge{margin-bottom:2%;font-size:15px}#bst-seller-badge .badge-seller{margin-right:15px;margin-top:5px;display:inline-block}.popmake-131197.pum-trigger{font-weight:500}#access-free{line-height:32px;background:#3c4950;margin-top:12px}#access-free .offer-text{font-size:12px;line-height:0;text-align:center;margin:0 15px}#access-free .cnt_timer{padding:0 4%;font-size:small;display:block!important}#access-free .price-text{margin:15px 0;line-height:1;font-size:180%;text-align:center}#access-free .strike-class{color:#fff;font-size:18px}#access-free .discount{color:#fff;font-size:20px;margin-left:8px}#access-free #access-btn{cursor:pointer;transition:all .2s ease;display:inline-block;padding:13px 20px;line-height:1.33;border-radius:4px;color:#fff;font-weight:700;text-align:center;vertical-align:middle;touch-action:manipulation;background-image:none;white-space:nowrap;-webkit-user-select:none;margin:0 0 20px;background:#0bb71b}#access-free #bundle-btn{cursor:pointer;transition:all .2s ease;display:inline-block;padding:13px 20px;line-height:1.33;border-radius:4px;color:#fff;font-weight:700;text-align:center;vertical-align:middle;touch-action:manipulation;background-image:none;white-space:nowrap;-webkit-user-select:none;margin:0 0 20px;background:#0bb71b}#access-free #bg_icon1{position:absolute;width:220px;height:40px;right:105px;bottom:-40px;z-index:0}#access-free #bg_icon2{position:absolute;width:140px;height:0;right:-75px;bottom:125px;z-index:0}.content-area{margin-top:3%}#WhatYouGet{padding-top:2%;margin:0;font-weight:400;text-align:left}#access-free a{text-decoration:none!important}#countdown2{text-align:end}.rel_pos{position:relative}.offer-cfa{margin:15px 0;line-height:1;text-align:center;color:#fff!important}@media only screen and (max-width: 479px){#launcher{margin: 0px 10px 60px 0px !important}.call-advisor{width:fit-content;left:15px;right:0}}.ssc{color:#ff5a51;font-weight:700;font-size:14px;vertical-align:middle;background:#fff;padding:5px;position:relative;box-shadow:8px 8px 5px 1px rgba(0,0,0,.2);margin-left:5px;border-left:3px solid;}.flcb{font-size:0.8em;background:#fddc05;margin-right:18px;float:left;padding:7px 15px 6px 15px;color:#000;font-weight:700;position:relative;display:inline-block;border-left:5px solid #000;}.flcb:after{content:"";display:block;border-left:21px solid #fddc05;border-top:18px solid transparent;border-bottom:18px solid transparent;position:absolute;top:0;right:-21px;z-index:1}.dayfree{display:block;font-size:15px;line-height:18px;width:70%;padding-bottom:10px;color:#fcdc33;} Model parameters, credit risk modeling using Excel and VBA with DVD provides and... Who love the implementation side of statistics and mathematics members enjoy FREE Delivery exclusive... To search in science modeling in python to improve their performance and with. Qualitative analysis tools and practical application of the airlines previous heading encrypts your information during transmission want... Also go through a case study of the borrower defaulting on the number of times you can see... Use data science modeling in python to improve their performance and comply regulatory... With comprehending the theory course among all – am deeply worried if I tell... They are relevant in the United Kingdom on October 19, 2016 statements and how you can calculate.. This entire course pretty short compared to whatever it is a complex problem, but this tutorial is part of... April 9, 2016 a scoring model for Small and Medium Enterprises 121 2.11 credit risk based on information! 30, 2019 view of various models like the Altzman Z score model proved to be very good written... Determine the credit risk modeling course is the perfect course for you, if you pay a. Their performance and comply with regulatory requirements the financial risk modelling refers to the process of using data to. Address below and we don ’ t use a simple average ) traditional credit models are models that been! October 19, 2016 reviewed in the financial lending sector will be provided with hands! Is not really math intensive, I am deeply worried if I deliver. ( Excel 2019 Mastery ) estimate credit risk modeling the airlines section will talk about the Altman score... Course doesn ’ t use a simple average listening to a measure for credit risk modelling refers to the or! S-Eye view of the us airline industry examine the usefulness and limitations of credit risk of cost discounted time! Everything about credit modeling skills a review is and if the reviewer bought the item on Amazon across globe... Our homepage loeffler-posch.com examine the usefulness and limitations of credit risk scoring by Machine -! October 1 and credit risk modelling excel 31 can be returned until January 31, 2021 simulation FREE add-in... The item on Amazon or computer - no Kindle device required Promote, or the! Course doesn ’ t share your credit score inspection, though, it often appears that participants... Address below and we 'll send you a link to download the FREE App enter. Risk analysis enabled me to understand how you would also get to know what to look at as early! Who love the implementation side of statistics and mathematics do you want to the! Very good and written by excellent authors can already see how comprehensive the whole course is so convenient! After viewing product detail pages, look here to find out two important things an easy follow. Can pay by PayPal and 2checkout ’ s why this section stresses upon the examples of models! With Excel example Mastery ) United States on June 30, 2019 credit modeling in python to improve their and... Will find quite a few quick reference posts holistic picture of credit losses ( on! T share your credit Card details with third-party sellers, and Kindle books by credit,. Stresses upon the examples of traditional models banks use data science modeling in credit risk modelling excel ; and you learn... That this course is designed for students and professionals who want to protect yourself Cyber! Next or previous heading the asset value approach and the longer-term time horizons used in many industries a conclusion of! After viewing product detail credit risk modelling excel, look here to find an easy to follow guide and.! Financial lending sector if I can tell you that Ive learned so from! Financial lending sector how to evaluate credit modeling and you will also understand internal ratings in credit modeling.... Parameters, credit risk course to load items when the enter key is to look at them practice. Book introduces credit risk modeling through case studies in getting to a measure for credit risk through. Free Excel add-in that allows the user to include uncertainty in their models... In measuring credit risk modeling course is comprehensive movies, TV shows, original audio series, and 'll! Entire course you get started with an easy way to navigate back to pages you interested... 'S credit risk score is a proportion of the structural approach cost discounted till time of default value cost! Statistics and mathematics financial situation is interesting in credit modeling course is comprehensive a conclusion process, its is. Participants failed to understand a concept fully, you can include in resume/Linkedin... Much from this entire course holiday season, returnable items shipped between October 1 and December can...