Notice bibliographique
Résumé
Back when it seemed like everybody and his brother was trying to slide an application for a unitary thrift charter under the door at the Office of Thrift Supervision, before Congress closed the loophole, a quiet application was made in July 1998 for a unitary thrift to be owned by multiple insurance companies. The group was operating under the auspices of a trade association, and after an early splash of ink, the application faded off the radar screen. Guess who's back now? Target: rural communities On June 12 Assurance Partners Bank, an OTS-chartered federal thrift, opened its doors, having received regulatory approval back in February. Opened its doors is literal, also figurative, for Assurance Partners Bank is far from an ordinary depository institution. It will be offering selected loan products and services, the roster eventually to include residential first mortgages, home equity loans, car loans, personal loans, credit cards, and student loans, as well as deposit accounts. Who is the new institution after? press statement makes it clear: Marketing research done by the has identified hundreds of thousands of policyholders that will have the opportunity to become customers of Assurance Partners Bank. Significantly, the majority of these prospective customers live in small towns and rural areas where there are fewer financial service providers than in larger cities. The strategy may cause a few boardroom tremors to be felt in time. In many community a local insurance agent sits on the bank's board. Once that agent is representing an insurance company that also offers the opportunity to provide policyholders with banking products, a potential conflict of interest will exist. matter of structure Assurance Partners is a bank with a difference--several, in fact. First off, Assurance Partners Bank (technically, its holding company) is owned by the National Association of Mutual Insurance Companies and a consortium of 262 NAMIC member insurance companies from 35 states and two Canadian provinces. (NAMIC member firms number about 1,200 and are property/casualty insurers, representing more than a third of the p/c business premiums written in the U.S. annually.) This ownership structure makes Assurance Partners unique, according to David T. Fronek, president and CEO, who joined the institution after a 34-year career with large most recently with First Chicago NBD Corp., Troy, Mich. A number of insurance companies own banks, says Fronek, but we are the first to be owned by an insurance association. …
Récupéré en direct depuis OpenAlex et désinversé. Les résumés ne sont pas conservés dans cette base de données : les index inversés représentent 8,6 Go des 9,3 Go de texte de la base, et le serveur dispose de 13 Go libres.
Comment cette classification a été obtenuedéplier
Prédiction machine sur la base complète
Imitation des enseignantsNi prévalence calibrée, ni vérité terrain. Validation humaine à venir. Le volet Gemma est une étiquette directe du modèle pour chaque travail de la base, lue sur la notice réduite au titre. Le volet Codex est un classifieur appris des 10 348 étiquettes directes de Codex et calibré sur les taux pondérés de l'échantillon; les champs sans appui suffisant ne portent aucun appel Codex. Le mode candidate est l'union des deux volets; le consensus est leur intersection. Ces sorties portent le statut machine_predicted_unvalidated et ne sont pas des étiquettes humaines.
Scores du classifieur distillé par catégorie (deux têtes)
| Catégorie | Codex | Gemma |
|---|---|---|
| Métarecherche | 0,002 | 0,006 |
| Méta-épidémiologie (sens strict) | 0,001 | 0,001 |
| Méta-épidémiologie (sens large) | 0,000 | 0,000 |
| Bibliométrie | 0,001 | 0,000 |
| Études des sciences et des technologies | 0,008 | 0,002 |
| Communication savante | 0,016 | 0,008 |
| Science ouverte | 0,001 | 0,005 |
| Intégrité de la recherche | 0,006 | 0,006 |
| Charge utile insuffisante (le modèle a refusé de juger) | 0,216 | 0,125 |
Scores machine (provisoires)
Les deux têtes enseignantes du modèle étudiant, lues sur ce travail. Un score ordonne la base pour la relecture; il n'affirme jamais une catégorie, et le statut de validation accompagne chaque rangée tel quel.
Scores de référence d'un modèle non mature (critères de maturité non atteints, 7 itérations). Un score ordonne; il n'affirme jamais une catégorie.
score_only:v0-immature-baseline · tel quel depuis la passe de notation : score_only signifie que le nombre peut ordonner les travaux, et qu'aucune étiquette de catégorie n'en découleClassification
machine, non validéePrédiction automatique; un appel candidat d’une seule source (Gemma direct ou Codex distillé), pas un consensus.
Le détail, modèle par modèle et score par score, se trouve en fin de page sous « Comment cette classification a été obtenue ».