A sophisticated RAG intelligence engine for Singaporean laws, policies, and history. Comes with a triple-AI failover backend (Gemini/Llama/Groq), semantic embeddings using FAISS, and an Apple-inspired interactive UI. Designed with precision and high availability in mind.

A single resource for the best approach to password policies from all the great minds across the web

# Contributing to this repository <!-- omit in toc --> ## Getting started <!-- omit in toc --> Before you begin: - This site is powered by Node.js. Check to see if you're on the [version of node we support](contributing/development.md). - Have you read the [code of conduct](CODE_OF_CONDUCT.md)? - Check out the [existing issues](https://github.com/github/docs/issues) & see if we [accept contributions](#types-of-contributions-memo) for your type of issue. ### Use the 'make a contribution' button  Navigating a new codebase can be challenging, so we're making that a little easier. As you're using docs.github.com, you may come across an article that you want to make an update to. You can click on the **make a contribution** button right on that article, which will take you to the file in this repo where you'll make your changes. Before you make your changes, check to see if an [issue exists](https://github.com/github/docs/issues/) already for the change you want to make. ### Don't see your issue? Open one If you spot something new, open an issue using a [template](https://github.com/github/docs/issues/new/choose). We'll use the issue to have a conversation about the problem you want to fix. ### Ready to make a change? Fork the repo Fork using GitHub Desktop: - [Getting started with GitHub Desktop](https://docs.github.com/en/desktop/installing-and-configuring-github-desktop/getting-started-with-github-desktop) will guide you through setting up Desktop. - Once Desktop is set up, you can use it to [fork the repo](https://docs.github.com/en/desktop/contributing-and-collaborating-using-github-desktop/cloning-and-forking-repositories-from-github-desktop)! Fork using the command line: - [Fork the repo](https://docs.github.com/en/github/getting-started-with-github/fork-a-repo#fork-an-example-repository) so that you can make your changes without affecting the original project until you're ready to merge them. Fork with [GitHub Codespaces](https://github.com/features/codespaces): - [Fork, edit, and preview](https://docs.github.com/en/free-pro-team@latest/github/developing-online-with-codespaces/creating-a-codespace) using [GitHub Codespaces](https://github.com/features/codespaces) without having to install and run the project locally. ### Make your update: Make your changes to the file(s) you'd like to update. Here are some tips and tricks for [using the docs codebase](#working-in-the-githubdocs-repository). - Are you making changes to the application code? You'll need **Node.js v14** to run the site locally. See [contributing/development.md](contributing/development.md). - Are you contributing to markdown? We use [GitHub Markdown](contributing/content-markup-reference.md). ### Open a pull request When you're done making changes and you'd like to propose them for review, use the [pull request template](#pull-request-template) to open your PR (pull request). ### Submit your PR & get it reviewed - Once you submit your PR, others from the Docs community will review it with you. The first thing you're going to want to do is a [self review](#self-review). - After that, we may have questions, check back on your PR to keep up with the conversation. - Did you have an issue, like a merge conflict? Check out our [git tutorial](https://lab.github.com/githubtraining/managing-merge-conflicts) on how to resolve merge conflicts and other issues. ### Your PR is merged! Congratulations! The whole GitHub community thanks you. :sparkles: Once your PR is merged, you will be proudly listed as a contributor in the [contributor chart](https://github.com/github/docs/graphs/contributors). ### Keep contributing as you use GitHub Docs Now that you're a part of the GitHub Docs community, you can keep participating in many ways. **Learn more about contributing:** - [Types of contributions :memo:](#types-of-contributions-memo) - [:mega: Discussions](#mega-discussions) - [:beetle: Issues](#beetle-issues) - [:hammer_and_wrench: Pull requests](#hammer_and_wrench-pull-requests) - [:question: Support](#question-support) - [:earth_asia: Translations](#earth_asia-translations) - [:balance_scale: Site Policy](#balance_scale-site-policy) - [Starting with an issue](#starting-with-an-issue) - [Labels](#labels) - [Opening a pull request](#opening-a-pull-request) - [Working in the github/docs repository](#working-in-the-githubdocs-repository) - [Reviewing](#reviewing) - [Self review](#self-review) - [Pull request template](#pull-request-template) - [Suggested changes](#suggested-changes) - [Windows](#windows) ## Types of contributions :memo: You can contribute to the GitHub Docs content and site in several ways. This repo is a place to discuss and collaborate on docs.github.com! Our small, but mighty :muscle: docs team is maintaining this repo, to preserve our bandwidth, off topic conversations will be closed. ### :mega: Discussions Discussions are where we have conversations. If you'd like help troubleshooting a docs PR you're working on, have a great new idea, or want to share something amazing you've learned in our docs, join us in [discussions](https://github.com/github/docs/discussions). ### :beetle: Issues [Issues](https://docs.github.com/en/github/managing-your-work-on-github/about-issues) are used to track tasks that contributors can help with. If an issue has a triage label, we haven't reviewed it yet and you shouldn't begin work on it. If you've found something in the content or the website that should be updated, search open issues to see if someone else has reported the same thing. If it's something new, open an issue using a [template](https://github.com/github/docs/issues/new/choose). We'll use the issue to have a conversation about the problem you want to fix. ### :hammer_and_wrench: Pull requests A [pull request](https://docs.github.com/en/github/collaborating-with-issues-and-pull-requests/about-pull-requests) is a way to suggest changes in our repository. When we merge those changes, they should be deployed to the live site within 24 hours. :earth_africa: To learn more about opening a pull request in this repo, see [Opening a pull request](#opening-a-pull-request) below. ### :question: Support We are a small team working hard to keep up with the documentation demands of a continuously changing product. Unfortunately, we just can't help with support questions in this repository. If you are experiencing a problem with GitHub, unrelated to our documentation, please [contact GitHub Support directly](https://support.github.com/contact). Any issues, discussions, or pull requests opened here requesting support will be given information about how to contact GitHub Support, then closed and locked. If you're having trouble with your GitHub account, contact [Support](https://support.github.com/contact). ### :earth_asia: Translations This website is internationalized and available in multiple languages. The source content in this repository is written in English. We integrate with an external localization platform called [Crowdin](https://crowdin.com) and work with professional translators to localize the English content. **We do not currently accept contributions for translated content**, but we hope to in the future. ### :balance_scale: Site Policy GitHub's site policies are published on docs.github.com, too! If you find a typo in the site policy section, you can open a pull request to fix it. For anything else, see [the CONTRIBUTING guide in the site-policy repo](https://github.com/github/site-policy/blob/main/CONTRIBUTING.md). ## Starting with an issue You can browse existing issues to find something that needs help! ### Labels Labels can help you find an issue you'd like to help with. - The [`help wanted` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3A%22help+wanted%22) is for problems or updates that anyone in the community can start working on. - The [`good first issue` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3A%22good+first+issue%22) is for problems or updates we think are ideal for beginners. - The [`content` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3Acontent) is for problems or updates in the content on docs.github.com. These will usually require some knowledge of Markdown. - The [`engineering` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3Aengineering) is for problems or updates in the docs.github.com website. These will usually require some knowledge of JavaScript/Node.js or YAML to fix. ## Opening a pull request You can use the GitHub user interface :pencil2: for some small changes, like fixing a typo or updating a readme. You can also fork the repo and then clone it locally, to view changes and run your tests on your machine. ## Working in the github/docs repository Here's some information that might be helpful while working on a Docs PR: - [Development](/contributing/development.md) - This short guide describes how to get this app running on your local machine. - [Content markup reference](/contributing/content-markup-reference.md) - All of our content is written in GitHub-flavored Markdown, with some additional enhancements. - [Content style guide for GitHub Docs](/contributing/content-style-guide.md) - This guide covers GitHub-specific information about how we style our content and images. It also links to the resources we use for general style guidelines. - [Reusables](/data/reusables/README.md) - We use reusables to help us keep content up to date. Instead of writing the same long string of information in several articles, we create a reusable, then call it from the individual articles. - [Variables](/data/variables/README.md) - We use variables the same way we use reusables. Variables are for short strings of reusable text. - [Liquid](/contributing/liquid-helpers.md) - We use liquid helpers to create different versions of our content. - [Scripts](/script/README.md) - The scripts directory is the home for all of the scripts you can run locally. - [Tests](/tests/README.md) - We use tests to ensure content will render correctly on the site. Tests run automatically in your PR, and sometimes it's also helpful to run them locally. ## Reviewing We (usually the docs team, but sometimes GitHub product managers, engineers, or supportocats too!) review every single PR. The purpose of reviews is to create the best content we can for people who use GitHub. :yellow_heart: Reviews are always respectful, acknowledging that everyone did the best possible job with the knowledge they had at the time. :yellow_heart: Reviews discuss content, not the person who created it. :yellow_heart: Reviews are constructive and start conversation around feedback. ### Self review You should always review your own PR first. For content changes, make sure that you: - [ ] Confirm that the changes address every part of the content design plan from your issue (if there are differences, explain them). - [ ] Review the content for technical accuracy. - [ ] Review the entire pull request using the [localization checklist](contributing/localization-checklist.md). - [ ] Copy-edit the changes for grammar, spelling, and adherence to the style guide. - [ ] Check new or updated Liquid statements to confirm that versioning is correct. - [ ] Check that all of your changes render correctly in staging. Remember, that lists and tables can be tricky. - [ ] If there are any failing checks in your PR, troubleshoot them until they're all passing. ### Pull request template When you open a pull request, you must fill out the "Ready for review" template before we can review your PR. This template helps reviewers understand your changes and the purpose of your pull request. ### Suggested changes We may ask for changes to be made before a PR can be merged, either using [suggested changes](https://docs.github.com/en/github/collaborating-with-issues-and-pull-requests/incorporating-feedback-in-your-pull-request) or pull request comments. You can apply suggested changes directly through the UI. You can make any other changes in your fork, then commit them to your branch. As you update your PR and apply changes, mark each conversation as [resolved](https://docs.github.com/en/github/collaborating-with-issues-and-pull-requests/commenting-on-a-pull-request#resolving-conversations). ## Windows This site can be developed on Windows, however a few potential gotchas need to be kept in mind: 1. Regular Expressions: Windows uses `\r\n` for line endings, while Unix based systems use `\n`. Therefore when working on Regular Expressions, use `\r?\n` instead of `\n` in order to support both environments. The Node.js [`os.EOL`](https://nodejs.org/api/os.html#os_os_eol) property can be used to get an OS-specific end-of-line marker. 1. Paths: Windows systems use `\` for the path separator, which would be returned by `path.join` and others. You could use `path.posix`, `path.posix.join` etc and the [slash](https://ghub.io/slash) module, if you need forward slashes - like for constructing URLs - or ensure your code works with either. 1. Bash: Not every Windows developer has a terminal that fully supports Bash, so it's generally preferred to write [scripts](/script) in JavaScript instead of Bash.

The official implementation of "Mind the Gap: Offline Policy Optimization for Imperfect Rewards" (ICLR2023)

# Contributing to this repository <!-- omit in toc --> ## Getting started <!-- omit in toc --> Before you begin: - This site is powered by Node.js. Check to see if you're on the [version of node we support](contributing/development.md). - Have you read the [code of conduct](CODE_OF_CONDUCT.md)? - Check out the [existing issues](https://github.com/github/docs/issues) & see if we [accept contributions](#types-of-contributions-memo) for your type of issue. ### Use the 'make a contribution' button  Navigating a new codebase can be challenging, so we're making that a little easier. As you're using docs.github.com, you may come across an article that you want to make an update to. You can click on the **make a contribution** button right on that article, which will take you to the file in this repo where you'll make your changes. Before you make your changes, check to see if an [issue exists](https://github.com/github/docs/issues/) already for the change you want to make. ### Don't see your issue? Open one If you spot something new, open an issue using a [template](https://github.com/github/docs/issues/new/choose). We'll use the issue to have a conversation about the problem you want to fix. ### Ready to make a change? Fork the repo Fork using GitHub Desktop: - [Getting started with GitHub Desktop](https://docs.github.com/en/desktop/installing-and-configuring-github-desktop/getting-started-with-github-desktop) will guide you through setting up Desktop. - Once Desktop is set up, you can use it to [fork the repo](https://docs.github.com/en/desktop/contributing-and-collaborating-using-github-desktop/cloning-and-forking-repositories-from-github-desktop)! Fork using the command line: - [Fork the repo](https://docs.github.com/en/github/getting-started-with-github/fork-a-repo#fork-an-example-repository) so that you can make your changes without affecting the original project until you're ready to merge them. Fork with [GitHub Codespaces](https://github.com/features/codespaces): - [Fork, edit, and preview](https://docs.github.com/en/free-pro-team@latest/github/developing-online-with-codespaces/creating-a-codespace) using [GitHub Codespaces](https://github.com/features/codespaces) without having to install and run the project locally. ### Make your update: Make your changes to the file(s) you'd like to update. Here are some tips and tricks for [using the docs codebase](#working-in-the-githubdocs-repository). - Are you making changes to the application code? You'll need **Node.js v14** to run the site locally. See [contributing/development.md](contributing/development.md). - Are you contributing to markdown? We use [GitHub Markdown](contributing/content-markup-reference.md). ### Open a pull request When you're done making changes and you'd like to propose them for review, use the [pull request template](#pull-request-template) to open your PR (pull request). ### Submit your PR & get it reviewed - Once you submit your PR, others from the Docs community will review it with you. The first thing you're going to want to do is a [self review](#self-review). - After that, we may have questions, check back on your PR to keep up with the conversation. - Did you have an issue, like a merge conflict? Check out our [git tutorial](https://lab.github.com/githubtraining/managing-merge-conflicts) on how to resolve merge conflicts and other issues. ### Your PR is merged! Congratulations! The whole GitHub community thanks you. :sparkles: Once your PR is merged, you will be proudly listed as a contributor in the [contributor chart](https://github.com/github/docs/graphs/contributors). ### Keep contributing as you use GitHub Docs Now that you're a part of the GitHub Docs community, you can keep participating in many ways. **Learn more about contributing:** - [Types of contributions :memo:](#types-of-contributions-memo) - [:mega: Discussions](#mega-discussions) - [:beetle: Issues](#beetle-issues) - [:hammer_and_wrench: Pull requests](#hammer_and_wrench-pull-requests) - [:question: Support](#question-support) - [:earth_asia: Translations](#earth_asia-translations) - [:balance_scale: Site Policy](#balance_scale-site-policy) - [Starting with an issue](#starting-with-an-issue) - [Labels](#labels) - [Opening a pull request](#opening-a-pull-request) - [Working in the github/docs repository](#working-in-the-githubdocs-repository) - [Reviewing](#reviewing) - [Self review](#self-review) - [Pull request template](#pull-request-template) - [Suggested changes](#suggested-changes) - [Windows](#windows) ## Types of contributions :memo: You can contribute to the GitHub Docs content and site in several ways. This repo is a place to discuss and collaborate on docs.github.com! Our small, but mighty :muscle: docs team is maintaining this repo, to preserve our bandwidth, off topic conversations will be closed. ### :mega: Discussions Discussions are where we have conversations. If you'd like help troubleshooting a docs PR you're working on, have a great new idea, or want to share something amazing you've learned in our docs, join us in [discussions](https://github.com/github/docs/discussions). ### :beetle: Issues [Issues](https://docs.github.com/en/github/managing-your-work-on-github/about-issues) are used to track tasks that contributors can help with. If an issue has a triage label, we haven't reviewed it yet and you shouldn't begin work on it. If you've found something in the content or the website that should be updated, search open issues to see if someone else has reported the same thing. If it's something new, open an issue using a [template](https://github.com/github/docs/issues/new/choose). We'll use the issue to have a conversation about the problem you want to fix. ### :hammer_and_wrench: Pull requests A [pull request](https://docs.github.com/en/github/collaborating-with-issues-and-pull-requests/about-pull-requests) is a way to suggest changes in our repository. When we merge those changes, they should be deployed to the live site within 24 hours. :earth_africa: To learn more about opening a pull request in this repo, see [Opening a pull request](#opening-a-pull-request) below. ### :question: Support We are a small team working hard to keep up with the documentation demands of a continuously changing product. Unfortunately, we just can't help with support questions in this repository. If you are experiencing a problem with GitHub, unrelated to our documentation, please [contact GitHub Support directly](https://support.github.com/contact). Any issues, discussions, or pull requests opened here requesting support will be given information about how to contact GitHub Support, then closed and locked. If you're having trouble with your GitHub account, contact [Support](https://support.github.com/contact). ### :earth_asia: Translations This website is internationalized and available in multiple languages. The source content in this repository is written in English. We integrate with an external localization platform called [Crowdin](https://crowdin.com) and work with professional translators to localize the English content. **We do not currently accept contributions for translated content**, but we hope to in the future. ### :balance_scale: Site Policy GitHub's site policies are published on docs.github.com, too! If you find a typo in the site policy section, you can open a pull request to fix it. For anything else, see [the CONTRIBUTING guide in the site-policy repo](https://github.com/github/site-policy/blob/main/CONTRIBUTING.md). ## Starting with an issue You can browse existing issues to find something that needs help! ### Labels Labels can help you find an issue you'd like to help with. - The [`help wanted` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3A%22help+wanted%22) is for problems or updates that anyone in the community can start working on. - The [`good first issue` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3A%22good+first+issue%22) is for problems or updates we think are ideal for beginners. - The [`content` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3Acontent) is for problems or updates in the content on docs.github.com. These will usually require some knowledge of Markdown. - The [`engineering` label](https://github.com/github/docs/issues?q=is%3Aopen+is%3Aissue+label%3Aengineering) is for problems or updates in the docs.github.com website. These will usually require some knowledge of JavaScript/Node.js or YAML to fix. ## Opening a pull request You can use the GitHub user interface :pencil2: for some small changes, like fixing a typo or updating a readme. You can also fork the repo and then clone it locally, to view changes and run your tests on your machine. ## Working in the github/docs repository Here's some information that might be helpful while working on a Docs PR: - [Development](/contributing/development.md) - This short guide describes how to get this app running on your local machine. - [Content markup reference](/contributing/content-markup-reference.md) - All of our content is written in GitHub-flavored Markdown, with some additional enhancements. - [Content style guide for GitHub Docs](/contributing/content-style-guide.md) - This guide covers GitHub-specific information about how we style our content and images. It also links to the resources we use for general style guidelines. - [Reusables](/data/reusables/README.md) - We use reusables to help us keep content up to date. Instead of writing the same long string of information in several articles, we create a reusable, then call it from the individual articles. - [Variables](/data/variables/README.md) - We use variables the same way we use reusables. Variables are for short strings of reusable text. - [Liquid](/contributing/liquid-helpers.md) - We use liquid helpers to create different versions of our content. - [Scripts](/script/README.md) - The scripts directory is the home for all of the scripts you can run locally. - [Tests](/tests/README.md) - We use tests to ensure content will render correctly on the site. Tests run automatically in your PR, and sometimes it's also helpful to run them locally. ## Reviewing We (usually the docs team, but sometimes GitHub product managers, engineers, or supportocats too!) review every single PR. The purpose of reviews is to create the best content we can for people who use GitHub. :yellow_heart: Reviews are always respectful, acknowledging that everyone did the best possible job with the knowledge they had at the time. :yellow_heart: Reviews discuss content, not the person who created it. :yellow_heart: Reviews are constructive and start conversation around feedback. ### Self review You should always review your own PR first. For content changes, make sure that you: - [ ] Confirm that the changes address every part of the content strategy plan from your issue (if there are differences, explain them). - [ ] Review the content for technical accuracy. - [ ] Review the entire pull request using the [localization checklist](contributing/localization-checklist.md). - [ ] Copy-edit the changes for grammar, spelling, and adherence to the style guide. - [ ] Check new or updated Liquid statements to confirm that versioning is correct. - [ ] Check that all of your changes render correctly in staging. Remember, that lists and tables can be tricky. - [ ] If there are any failing checks in your PR, troubleshoot them until they're all passing. ### Pull request template When you open a pull request, you must fill out the "Ready for review" template before we can review your PR. This template helps reviewers understand your changes and the purpose of your pull request. ### Suggested changes We may ask for changes to be made before a PR can be merged, either using [suggested changes](https://docs.github.com/en/github/collaborating-with-issues-and-pull-requests/incorporating-feedback-in-your-pull-request) or pull request comments. You can apply suggested changes directly through the UI. You can make any other changes in your fork, then commit them to your branch. As you update your PR and apply changes, mark each conversation as [resolved](https://docs.github.com/en/github/collaborating-with-issues-and-pull-requests/commenting-on-a-pull-request#resolving-conversations). ## Windows This site can be developed on Windows, however a few potential gotchas need to be kept in mind: 1. Regular Expressions: Windows uses `\r\n` for line endings, while Unix based systems use `\n`. Therefore when working on Regular Expressions, use `\r?\n` instead of `\n` in order to support both environments. The Node.js [`os.EOL`](https://nodejs.org/api/os.html#os_os_eol) property can be used to get an OS-specific end-of-line marker. 1. Paths: Windows systems use `\` for the path separator, which would be returned by `path.join` and others. You could use `path.posix`, `path.posix.join` etc and the [slash](https://ghub.io/slash) module, if you need forward slashes - like for constructing URLs - or ensure your code works with either. 1. Bash: Not every Windows developer has a terminal that fully supports Bash, so it's generally preferred to write [scripts](/script) in JavaScript instead of Bash.

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To operate the S9, you need a power supply specifically the APW5/APW3, that is sold separately.  S9s has an efficacy, power consumption and hashrate of 098 J/GH±7%, 1323W±7%, and 13.5TH/s±7% respectively. At the moment, the Antminer has an output of 14TH/s, making it the most powerful Bitcoin mining hardware on the planet.  So what does this mean? Based on its technical specifications, the S9 will have the capacity to mine 0.03600399 Bitcoin per month. This figure does not factor in the cost of hardware, power, pool fees and others.  If you run the Antminer for a month, expect to get a profit of 0.02138775 Bitcoin, which is equivalent to $178.78. However, this profit depends on the cost of electricity, which in this instance is assumed to be $0.1 per kWh To begin with, me and my team collected all of the important information about Vanguard Comercio inc in one article, and we hope that you will find what you came for. Vanguard Comercio inc appeared on the trading market in 2014. 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Our company was registered ® United Kingdom 🇬🇧 we are verified by the Great Britain - [x] ® INVESTMENT PLAN AMATEUR PLANS. $50 earns $500 $100 wins $1,000 $200 wins $2,000 $300 earns $3,000 $400 wins $4,000 REGULAR PLANS $500 wins $5,000 $600 wins $6,000 $700 wins $7,000 $800 wins $8,000 $900 wins $9,000 TEACHER PLANS $1,000 wins $10,000 $2,000 wins $20,000 $3,000 wins $30,000 $4,000 wins $40,000 $5,000 earns $50,000 DURATION: 24 HOURS OF COMMERCIAL you receive your profit with your wallet account

Minds terms & policies

Tentative mapping from ABM configuration files and ABM outputs with policy goal in mind

An adaptive algorithm, which should abstract temporally extended actions online, without the need for additional background information (besides a Markovian description of the environment). Several Reinforcement Learning algorithms where embedded in a Hierarchy of policies, among which n-step QL, Expected Sarsa, LSTM neural networks (for Q value learning), Deep Mind's Deep Q-learning architecture, and simultaneous off-policy training (of all abstract actions).

Economically Inclusive Models encourage the participation of local community labor through a holistic approach that includes skill development and the foundations of resource management which develops quality of life through wealth creation and the expansion of markets. Raw material is returned to the people in the form of new products. Throughout the course of human history, it has frequently become necessary for nations to dissolve and or restructure economic systems and adjust strategies which have proven to be ineffective in stimulating development, growth and economic prosperity as economies and times change technologically. When the policies are and continually becoming increasingly oppressive in nature and exist against the natural law and the psychology of human inspiration, and are only enforced through deception and the use of force by indoctrinated constituencies, they begin to separate people from their natural desires to achieve, thrive, and prosper. Often economic development and social programs are implemented under the guise of prosperity only to be concealing the true intent of enslavement for the populace and a theft of resources. This is in defiance of the power of truth which is based on the laws of nature and of nature's right to full expression of humanity, which God entitles to all men and women. This deception is fraudulent and criminal in nature and is the equivalent of murder, for it robs humanity of its right to self-actualization, cognizant development and the realization of self-worth. The main principle behind the current economic agenda being implanted throughout the world in an effort to bring about a new economic world order, is a belief that the effective use of force and the stringent control of natural resources is the key to creating and maintaining economic power and further serves to manipulate markets by creating fictional gaps in supply and demand. This 'order out of chaos' model has been a standard for centuries. The problem is that it is based on the principles of suppression and oppression, which are implemented and maintained using force and highly supported with deception through disinformation, propaganda and oppressive operations aimed at reducing the natural expression of humanity, freedom, and independence. This is a sign of fear and incompetence stemming from the conditioning of the past age of scarcity by those in power because it is inconsistent with natural law, which supports full expression as a means of achievement. Natural power relies on truth and does not require deception to be maintained. It stands on its own accord. Power encourages a population to achieve self-actualization and economic prosperity which is reflective of a strong middle class, economic and social growth as well as development. It is a natural spiritual expression in alignment with truth and does not require manipulation to be maintained. On the other hand, there is no positive natural expression for force as it is inherently weaker and short term, its goal is to hinder the natural power of the people from being fully expressed. This is a lower spiritual form of thought and achievement that is inherently inferior to just power and is only sustained through deceptive practices. It essentially further weakens its followers & leaders and subsequently results in wide disparities of wealth and the elimination of the middle class that is necessary to maintain stability and economic growth, especially in a consumer based economy. The belief that people need to be largely suppressed is highly limiting to a society and ensures a lower expression of associated economic achievement inhibiting humanities growth and development on all levels. More specifically it inhibits the development of free creative minds, their contributions of intellectual property and innovation. The irresponsible use of natural resources is equally discouraging. We are blessed with an abundance of agricultural land, potential energy sources from wind, solar, geothermal, wave & or tidal power and vast basic materials such as cement, brick, wood, and rock that would easily address any structural and infrastructural needs. What is lacking is proper accounting and utilization of the vast natural resources readily available and the reliance on utilizing goods and services that could easily be provided in the local market rather than relying on imports. Years of war and internal conflict have created a gap in productive and practical knowledge in many regions of the world. This knowledge gap can be reconciled through the incorporation of trade schools that emphasize the reduction of imports through the utilization of what is natural to the region, while cognizant of unintended environmental consequences (such as those of using good farming topsoil for mud bricks). Building and architecturally designing structures as well as much needed infrastructure with the concept of maximum utilization of the natural resources native to the region offering a common-sense solution to the vast imbalance of trade challenges in agriculture, materials, labor, management, and expertise. This would also allow for the use of mineral profits to be used to barter for higher goods that would enhance the quality of life rather than being allocated to provide for mere survival and resulting in continued dependence. The global economy although growing extensively in a number of sectors and regions is still oppressive in nature with significant barriers to entry and managed by an overburdened government and economic system that primarily operates to diminish the prospects of the peoples growth and focuses gains and bailouts on only a few elite. The means of gaining economic control through manipulative programing of the masses is essentially killing humanities best prospects for a shared prosperous future. It is equally discouraging to find education not matching the needs of the emerging technological environment. In regions, largely in a development mode, it is necessary to focus the majority of educational emphasis on developing trade schools that can instantly impact job growth and prosperity. Affecting positively these educational concerns in developing nations now, will yield significantly improved outcomes locally, regionally and beyond, further improving psychological perceptions globally. The idea that people need to be controlled and oppressed through negative conditioning that simply thwarts achievement and ambitions is a system doomed to fail. Nothing can be achieved in the current economic system described except for chaos and the limited order maintained through fear, deception, propaganda and the manipulation of the herd or collective mentality / perception. As a result of these policies that have been implemented worldwide, we now have a world that is largely a police state and unaware of truth or its own power due to a constant flow of manipulative disinformation and propaganda. This is a grand reflection of the use of force, deception, and oppression and we see its expression in the deterioration of our economic systems and basic freedoms inherent from God. Highlights The following demonstrates the financial projections of our five primary business models. Estimates do not take into account possibilities of above average returns with many investment options that we currently have at our disposal. 1. Logistics to include shipping, security, courier service and inclusive A to B deployment of human and other resources or assets. 2. Financial to include international developmental finance, banking & credit unions, insurance and brokerage of securities. 3. Commodities to include strategic minerals (rare earths), lumber, etc... 4. Consulting to include strategic government, intelligence, business and educational. 5. Investments to include unique platforms, vehicles, traditional models, land, infrastructure, research and development. ECONOMIC STIMULUS PLAN The Economic Stimulus plan - build... Further expansion of and clarity continues to be encouraged.

In case you are brand-new to paid surveys, you may potentially speculate how do I begin making money by handling the internet surveys? This short article is a standard for paid survey newbies and also see to it you follow my step by step guidelines below to jump on a speedy as well as good begin. 1. Keep in mind this: do NOT pay any person to do paid on the internet surveys by any means. It is typically FREE to do paid surveys and also get cash. Accredited paid survey and also marketing research firms do not bill you, as a matter of fact they pay you for your point of view. 2. Produce a committed email account. You will receive great deal of e-mails as well as you need a separated e-mail address for study invite e-mails. Note: you'll need to turn OFF your spam filter or develop the spam filter alternative to do not eliminate emails in spam folder immediately , normally you may miss out on study e-mails. 3. You may well want to open up a free PayPal account. Various of study websites give their repayment through PayPal. It 's 100% complimentary to send money, and also 100% complimentary to approve payment in case you have a standard account, a reduced deal cost make use of for Premier as well as Organisation Accounts to obtain cash money, and also it is usually faster than check settlement. 4. Register with all the actual online survey companies you can discover, starting with the leading 10 cash paying study panels. Make certain to verify your study panel membership. This frequently requires clicking the link in the confirmation email coming from the survey panel following registering. This is important step for register. I suggest you take time to subscribe with ALL the genuine study websites you can locate. The reason is very basic, the more survey websites you sign up with, the much more survey invite you acquire to do. 5. Pointers on steering clear of from scams. a. If you come cross a survey internet site, make certain to examine their plan. If you are not material with the privacy or they put don't have an on the internet personal privacy policy, avoid from them. b. Make note the major distinction among paid surveys sites and also earn money join deal net pages. The later frequently state they are survey sites , as a matter of fact their specific primary business is paid offers. They are the places you make money for signing up offers, and commonly you require to pay or offer credit card information while join non no charge deals. c. Avoid from any websites, paid or cost-free offering recognized rip-off or spam, frequently those sites mention they have a list of 300+, 400+ or even 500+ paid study websites, the fact is there are NOT 3 HUNDRED survey websites that pay!) They are just marketing anything they can find for commissions, despite its scam or spam as well as can't be relied on. 6. Tips on performing studies. a . Be real with your individual profile information when join with study firms. b. Action survey invites immediately. Many surveys have allocation and a great deal of fill quick, specifically huge paying and also fast to qualify studies. 7. Tips on getting paid. Make sure to maintain the invite emails for the surveys that you meet the needs and also ended up, particularly those on the web interactive studies focus team. You wish to have proof for your participation when there is a concern. 8. Be patient. This is very important for survey newbies. It can take a while to receive money since numerous study websites have very little payment need and it will certainly take time for them to process repayment. Also it requires a while to get more studies. For me directly, I didn't obtain any type of sort of cash or other benefits in the first month, I had numerous points or others however not lots of to cash out, and also the cash didn't start arriving in up until completion of 2nd month. It is equally not long after 2 months , I started to get and also fulfill the requirements for extra surveys, integrating those high-end surveys such as on the internet studies and also concentrate companies. Carrying out paid surveys does not help to make me abundant, yet I indulge in it. By way of the study money I made, last year I got an entirely new laptop for myself! I additionally bought playthings, DVDs, gifts, books and also various other products for my kid, spouse as well as family members. Paid survey definitely is a simple and also fun approach to make increased costs money, and also it actually worth my time! To know more: survey junkie

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Official implementation of the paper "Mind the Gap: Data Rewriting for Stable Off-Policy Supervised Fine-Tuning"

The Secrets of Craigslist Posting Service Revealed For you don't possess a pc. In case you have existing reports, you must allocate phone number and them a neighborhood proxy. Than you are going to want to set up 10 emails that are unique, in the event you have access to 10 different phone numbers. If you are not utilizing these sites already then you are passing up the finest free marketing and advertising regions of this net. It will not permit you to get to every possible client that is possible on your region but you might be surprised how wide of a reach these conventional media outlets still possess. The ideal way to advertise a provider depends a great deal on the kind of business. The entire world is probably going to email you when it open to the planet. Some lovers of Craigslist expressed concern the website's longtime nature would be impacted by this development. There are individuals who make their living and we see that these folks are also more inclined to look for solutions on the stage as they are already familiarized with this and have a quantity of trust within it. No matter the posting method chosen, a Craigslist plan is vital to success. It's crucial for you to follow the rules of Craigslist to take advantage of Craigslist now. If you realize how to utilize it craigslist is a fantastic source of leads for your customer or you. It's frankly only a thought while there are lots of folks who will allow you to understand to post from many accounts on multiple IP addresses so you can flood Craigslist with postings. The web, a site that's specific to your topic or especially websites including Craigslist, will permit the individual posting to achieve a good deal wider audience. In posting advertisements in Craigslist, it's essential to be sure you give your contact information like your telephone number, email address, website etc.. The Craigslist Posting Service Pitfall These businesses often work on just a tiny capital that will not enable them to manage method of advertising. But this is their own company policy. As these cl posting companies keep a very low profile it's easy for them to earn a quick get away with your cash. The bundles are made to make certain that your ads are converted and successfully fostering earnings and your business enterprise. If they're not, the airline might provide you a few options you haven't thought of, like altering the ticket date, obtaining a refund, or even obtaining a voucher for future travel. You might get a thing that is good. Otherwise, you may be in trouble. It might appear obvious, but a great deal of women and men will record a glider and a crib in posts. Odds are you likely used craigslist that a minumum of one period in your lifetime. The Lost Secret of Craigslist Posting Service Be careful when you're approved with phone number and don't break rules. So the reason considering all it's going to be the choice. By necessity it will most likely be a little shorter. The Downside Risk of Craigslist Posting Service Craigslist's new rules really allow it to be simpler that you present your listings and your business. Posting advertisements on Craigslist need an expertise and committed time your company might or might not be at luxury to cater to on a standard basis. It is a hot bed for marketing your business and exposing your services and products for free. It is crucial that you've got a Craigslist advertisement design that is distinctive, irrespective of your goods, services or business. You should work on some inexpensive advertising for company. It's very exciting to place an ad along with exceptionally beneficial, which explains why the maximum quality Craigslist designers may also provide services to guarantee maximum exposure of services, your merchandise and much more. Craigslist Posting Service Secrets That No One Else Knows About Secondly it's only a whole lot simpler to perform by the rules in order for your advertisements seem on Craigslist because they're good content that is superior. The ads you've already hidden, remain hidden you're all set to go around again, and if you do not un-hide them. Besides using SEO that is appropriate to ensure your ads receive a lot of views, we'll do CRO on your own advertisements so they convert too. Ad design will enhance your effectiveness . Craigslist ad posting service appears to be wildlife for your enterprise. You can not post the same ad more often than once or you'll get softblocked, and easily flagged. You ought to be in a position When you've the lay of the land. As much since it is important in characteristics of your organization, it's fairly crucial in ad. Print from several accounts or many times this has to do with those people who have published dozens of similar advertisements on the site simultaneously. Type of Craigslist Posting Service People with a clean drier reduces the threat of a dryer fire, and saves them a quantity of money in utility expenses drying time. You will see that nearly all of them provide similar characteristics and capabilities. You do not possess the ability to lift a vehicle however using that auto jack in your vehicle's trunk, you're ready to lift to change the flat tire. What Craigslist Posting Service Is - and What it Is Not In this column, I will discuss why you require a professional service for your business enterprise. The fact that this is a scam may appear obvious but there are plenty of variants on this subject that fool people. Needless to say, you can post advertisements in anything you've got in mind. You may utilize Craigslist Ad Title Generator that will allow you to make titles that are particular on craigslist. You'd be happy to hear that there is a Craigslist Posting Service different from a number of other advertising fields. Our Craigslist Posting Service can make sure that you obtain a posting of ads boosting your company's internet presence. Put the craigslist advertising service (CAS) in your bucket. Because some experienced professionals are waiting here to pay you quality work. Our posting service team provide promising work, easy solution and advanced Suggestion. Moreover, our previous experience ensures your advertisement to be catchy, engaging and evoking. We are eligible to post your ad in all cities with the surety Of 100% live. So let our company thinks of your business promotion.

Navigate the complexities of politics and law with project management and mind maps AI to organize policies, track legal frameworks, and plan advocacy efforts. Mind maps AI helps visualize governance structures and streamline strategic decision-making for impactful civic and legal initiatives.

The goal of this project is to give people an estimate of how much they need based on their individual health situation. After that, customers can work with any health insurance carrier and its plans and perks while keeping the projected cost from our study in mind. This can assist a person in concentrating on the health side of an insurance policy rather han the ineffective part.

PRIVACY POLICY MODEL FOR MOBILE APPLICATIONS This privacy policy governs your use of the software application “Health Meter” for mobile devices that was created by Code Life IT Solutions. The Application is used to monitor your Health and fitness by calculating different health related things like BMI,Heart BPM,BEE,IBW and you also can make diet plans for your daily life.   What information does the Application obtain and how is it used? User Provided Information  The Application obtains the information you provide when you download and register the Application. Registration with us is optional. However, please keep in mind that you may not be able to use some of the features offered by the Application unless you register with us.   When you register with us and use the Application, you generally provide (a) your name, email address, age, user name, password and other registration information; (b) transaction-related information, such as when you make purchases, respond to any offers, or download or use applications from us; (c) information you provide us when you contact us for help; (d) credit card information for purchase and use of the Application, and; (e) information you enter into our system when using the Application, such as contact information and project management information. We may also use the information you provided us to contact your from time to time to provide you with important information, required notices and marketing promotions.  Does the Application collect precise real time location information of the device? This Application does not collect precise information about the location of your mobile device.    Do third parties see and/or have access to information obtained by the Application? Only aggregated, anonymised data is periodically transmitted to external services to help us improve the Application and our service. We will share your information with third parties only in the ways that are described in this privacy statement. We may disclose User Provided and Automatically Collected Information: as required by law, such as to comply with a subpoena, or similar legal process; when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request; with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement. if Code Life IT Solution is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of this information, as well as any choices you may have regarding this information.   What are my opt-out rights? You can stop all collection of information by the Application easily by uninstalling the Application. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network. You can also request to opt-out via email, at codelifeits@gmail.com.   Data Retention Policy, Managing Your Information We will retain User Provided data for as long as you use the Application and for a reasonable time thereafter. We will retain Automatically Collected information for up to 24 months and thereafter may store it in aggregate. If you’d like us to delete User Provided Data that you have provided via the Application, please contact us at codelifeits@gmail.com and we will respond in a reasonable time. Please note that some or all of the User Provided Data may be required in order for the Application to function properly.   Children We do not use the Application to knowingly solicit data from or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at codelifeits@gmail.com. We will delete such information from our files within a reasonable time.   Security We are concerned about safeguarding the confidentiality of your information. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. For example, we limit access to this information to authorised employees and contractors who need to know that information in order to operate, develop or improve our Application. Please be aware that, although we endeavour provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.   Changes This Privacy Policy may be updated from time to time for any reason. We will notify you of any changes to our Privacy Policy by posting the new Privacy Policy here and informing you via email or text message. You are advised to consult this Privacy Policy regularly for any changes, as continued use is deemed approval of all changes. You can check the history of this policy by clicking here.   Your Consent By using the Application, you are consenting to our processing of your information as set forth in this Privacy Policy now and as amended by us. "Processing,” means using cookies on a computer/hand held device or using or touching information in any way, including, but not limited to, collecting, storing, deleting, using, combining and disclosing information, all of which activities will take place in the United States. If you reside outside the United States your information will be transferred, processed and stored there under United States privacy standards.    Contact us If you have any questions regarding privacy while using the Application, or have questions about our practices, please contact us via email at codelifeits@gmail.com.

The need for hairdressing, grooming, facials, and related services will not decline as long as people live on this earth. In fact, in this age of fashion and corporate culture, people are more interested in grooming themselves than ever before. So, the beauty salons and hairdressing businesses are always on the rise. During this pandemic situation the zero contact policy is much more needed, there is no automated system for doing all the things. Having that in mind, for the people in need of websites for such businesses, so we present you Online Barber Shop Management System. Easy to use Barber Shop Management System Software to manage online scheduling, appointment booking and much more!

For this project we will be exploring publicly available data from LendingClub.com. Lending Club connects people who need money (borrowers) with people who have money (investors). Hopefully, as an investor you would want to invest in people who showed a profile of having a high probability of paying you back. We will try to create a model that will help predict this. Lending club had a very interesting year in 2016, so let's check out some of their data and keep the context in mind. This data is from before they even went public. We will use lending data from 2007-2010 and be trying to classify and predict whether or not the borrower paid back their loan in full. You can download the data from here or just use the csv already provided. It's recommended you use the csv provided as it has been cleaned of NA values. Here are what the columns represent: credit.policy: 1 if the customer meets the credit underwriting criteria of LendingClub.com, and 0 otherwise. purpose: The purpose of the loan (takes values "credit_card", "debt_consolidation", "educational", "major_purchase", "small_business", and "all_other"). int.rate: The interest rate of the loan, as a proportion (a rate of 11% would be stored as 0.11). Borrowers judged by LendingClub.com to be more risky are assigned higher interest rates. installment: The monthly installments owed by the borrower if the loan is funded. log.annual.inc: The natural log of the self-reported annual income of the borrower. dti: The debt-to-income ratio of the borrower (amount of debt divided by annual income). fico: The FICO credit score of the borrower. days.with.cr.line: The number of days the borrower has had a credit line. revol.bal: The borrower's revolving balance (amount unpaid at the end of the credit card billing cycle). revol.util: The borrower's revolving line utilization rate (the amount of the credit line used relative to total credit available). inq.last.6mths: The borrower's number of inquiries by creditors in the last 6 months. delinq.2yrs: The number of times the borrower had been 30+ days past due on a payment in the past 2 years. pub.rec: The borrower's number of derogatory public records (bankruptcy filings, tax liens, or judgments).

Mind the Shift: Decoding Monetary Policy Stance from FOMC Statements with Large Language Models

nlp tool for fine-grained policy generation in CEDAR made for lilith. Designed with security in mind.

Automating Facebook posting can be achieved using the Facebook Graph API along with Python. Also, keep in mind that automating actions on Facebook should comply with Facebook's Platform Policy.

A grid-based environment where Pac-Man learns to act by modeling the beliefs of ghost agents. Built for research in belief-aware policies, theory of mind, and multi-agent RL.

The goal of this project is to give people an estimate of how much they need based on their individual health situation. After that, customers can work with any health insurance carrier and its plans and perks while keeping the projected cost from our study in mind. This can assist a person in concentrating on the health side of an insurance policy rather than the ineffective part.

The goal of this project is to give people an estimate of how much they need based on their individual health situation. After that, customers can work with any health insurance carrier and its plans and perks while keeping the projected cost from our study in mind. This can assist a person in concentrating on the health side of an insurance policy rather than the ineffective part.

The goal of this project is to give people an estimate of how much they need based on their individual health situation. After that, customers can work with any health insurance carrier and its plans and perks while keeping the projected cost from our study in mind. This can assist a person in concentrating on the health side of an insurance policy rather than the ineffective part.

The goal of this project is to give people an estimate of how much they need based on their individual health situation. After that, customers can work with any health insurance carrier and its plans and perks while keeping the projected cost from our study in mind. This can assist a person in concentrating on the health side of an insurance policy rather than the ineffective part.

A website that allows you to buy and sell digital goods, products or services over the Internet. Trade, whether bartering or buying and selling goods and services, has been around for centuries. No one can be self-sufficient. This highlights the need for demand and supply of goods and services. Transactions have been going on around the world for centuries, both locally and across locations. With the same concept in mind, think now about electronics. However, also keep in mind that with the whole world connected to the internet, the data privacy laws are getting stricter. And before you start, in an e-commerce venture, you must be aware of all the <a href="https://cyberchimps.com/e-commerce-websites/#ECommerce_Website_Legal_Requirements">legal policies required for your e-commerce site</a>.

After last few years of slowdown, Real Estate Sector is set on the path of growth. Though the foreign investment started to flow with the formation of a stable government in May 2014, economic reforms and liberal FDI policies have further made the investment process easy. Riding on the hope of “Acche Din”, India saw a huge $2.2 billion (70% raise) foreign investment as per JLL reports. The World Bank predicts India to be the fastest growing economy in coming years with close to 8% GDP growth rate. The graph below gives a comparative analysis of the GDP performance of the world and developing Countries in South Asia. The future picture of Indian economy is bright and Real Estate sector is emerging as a lucrative investment option. Apart from private sector investments, several government projects like development of Smart Cities, affordable homes for EWS (economically weaker section of society) and housing for all by 2022 offer good potential for investors. The government is also working to enhance infrastructure across the country with number of highway, Metro and Airport projects. Developing affordable housing in major cities is a big challenge for government, as 10 million people migrate to cities every year and most of them are job seekers. The last decade has witnessed the migration of 91 Million people to cities and only 51 Million houses were made to accommodate them. The government has implemented several changes in the economy and FDI policy to tackle the issue. The time is right for investors to carry out some intelligent investments and below areten reasons to believe and participate in the growth of the Real Estate in India in 2016. 1. Special Treatment for NRIs on Investment and non-consideration of property leasing as real estate business will boost the foreign investment in Real Estate Sector. 2. The minimum requirements of 20,000 square meter development and capital of $5 Million have been removed. This step welcomes small investors and will promote construction and development in Tier II and Tier III cities. 3. The policy of bringing foreign investment within 6 months of the starting of a project has been done away with, leading to more flexibility and ease of business in the country. 4. Lower interest rates, affordable housing schemes, and easy installments will allure middle-class families to buy property, so we will see a rise in the demand of residential property in class B and C cities. 5. Foreign investor can now exit from a project in 3 years or earlier if the project gets completed. The easy exit policy gives flexibility in ease of doing business, saves time and would invite more FDI. 6. The growing IT and Service industry will need more workforce and office space increasing the demand for residential and commercial property. 7. The soaring E-commerce industry will continue to grow as the number of online shoppers is increasing rapidly, there will be more demand of warehouses in future. 8. Manufacturers with foreign investments are now allowed to directly sell their products using online or offline platforms without government approval. For this, they will need infrastructure, warehouse, and office space, leading to increased real estate requirement. 9. Flexibility to Single brand retail trading in E-commerce will again contribute to the success of Real Estate industry. 10. No government approval is needed for eligible investment in LLP (Limited Liability Partnership) and foreign investment through share Swap. This will enhance the ease of doing business,thus attracting more foreign investors. Keeping in mind the World Bank report and recent economic reforms, Real estate Sector in India holds a huge potential as a long term investment portfolio for individual investors. Besides, metro cities the Tier II and II cities are going to witness exponential growth rate in real estate in 2016. In short, Indian Real Estate business is going to undergo a policy and investment transformation in the coming years. The situation will be more favorable if the land acquisition and other land reform bills get approved in the parliament.

For this project we will be exploring publicly available data from [LendingClub.com](www.lendingclub.com). Lending Club connects people who need money (borrowers) with people who have money (investors). Hopefully, as an investor you would want to invest in people who showed a profile of having a high probability of paying you back. We will try to create a model that will help predict this. Lending club had a [very interesting year in 2016](https://en.wikipedia.org/wiki/Lending_Club#2016), so let's check out some of their data and keep the context in mind. This data is from before they even went public. We will use lending data from 2007-2010 and be trying to classify and predict whether or not the borrower paid back their loan in full. You can download the data from [here](https://www.lendingclub.com/info/download-data.action) or just use the csv already provided. It's recommended you use the csv provided as it has been cleaned of NA values. Here are what the columns represent: * credit.policy: 1 if the customer meets the credit underwriting criteria of LendingClub.com, and 0 otherwise. * purpose: The purpose of the loan (takes values "credit_card", "debt_consolidation", "educational", "major_purchase", "small_business", and "all_other"). * int.rate: The interest rate of the loan, as a proportion (a rate of 11% would be stored as 0.11). Borrowers judged by LendingClub.com to be more risky are assigned higher interest rates. * installment: The monthly installments owed by the borrower if the loan is funded. * log.annual.inc: The natural log of the self-reported annual income of the borrower. * dti: The debt-to-income ratio of the borrower (amount of debt divided by annual income). * fico: The FICO credit score of the borrower. * days.with.cr.line: The number of days the borrower has had a credit line. * revol.bal: The borrower's revolving balance (amount unpaid at the end of the credit card billing cycle). * revol.util: The borrower's revolving line utilization rate (the amount of the credit line used relative to total credit available). * inq.last.6mths: The borrower's number of inquiries by creditors in the last 6 months. * delinq.2yrs: The number of times the borrower had been 30+ days past due on a payment in the past 2 years. * pub.rec: The borrower's number of derogatory public records (bankruptcy filings, tax liens, or judgments).