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HDR stands for High Dynamic Range. The Merge to HDR command allows you to take multiple images and capture a full range of color and detail by merging them into a single image. Of course, the multiple images should be of identical content. The only differences between them, as shown in Figure 20.37, are in terms of their color and light values. You can start with the Merge to HDR dialog box open (choose File Automate Merge to HDR to display the dialog box shown in Figure 20.38) and use that to Browse for the images you want to merge, or you can open the images first (File Open), open the Merge to HDR dialog box, and select Open Files from the Use drop-down list to indicate that your open images should be used for the merge.

The predictors used in BondScore consist of seven nancial statement items [taken from trailing four quarters from Compustat (fundamental nancial data), current equity information (market capitalization), and Compustat annuals (earnings volatility)] and the trailing 24 months of equity volatility: 1 Leverage [debt including 8X leases/(Current market value + Debt)] 2 Margins [Earnings before interest, taxes, depreciation, and amortization (EBITDA)/Sales] 3 Asset turnover (Sales/Assets) 4 Liquidity (quick ratio) 5 Size [Log (relative assets)] 6 Volatility of past cash ows (standard deviation of past 10 years EBITDA/Assets) 7 Residual Equity Volatility (standard deviation of error in beta equation) CreditGrades RiskMetrics Group CreditGrades, developed by the RiskMetrics Group and a consortium of nancial institutions (Deutsche Bank, Goldman Sachs, and JPMorgan Chase), was released in 2002 It differs in two important respects from the other models described in this section The rst difference is the goal of the model.

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After the sponsorship money starts rolling in, you can really get serious. It s time to spring for a true broadcast-quality microphone and a top-notch digital telephone hybrid. While you re at it, you may want to upgrade your mixing desk, and heck, you may as well grab the flagship audioediting software.

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Stress-producing behavior can manifest itself in the following ways: 1. Trying to control others. By trying to control or dominate others, you create tension. In order to maintain their sense of self and their integrity, others must resist being dominated, and this sets up a situation where there will be constant arguments or power struggles, creating stress for both you and the other person. Only by easing your controlling behavior can you reduce this stress and make the relationship more satisfying for both of you. Trying to change the other person. Most people are very resistant to being changed unless they themselves are motivated to change a certain behavior. When you try to change someone, you will undoubtedly be met with resistance and even hostility, which in turn will lead to frustration and tension for both of you.

The other models we discussed are designed to produce accurate estimates of probabilities of default and to distinguish rms about to default from healthy rms As such, the models are estimated on proprietary default databases (We noted that Moody s KMV Credit Monitor contains one such large proprietary database) The CreditGrades model, on the other hand, is designed to track credit spreads and to provide a timely indication of when a rm s credit becomes impaired Parameter estimates and other model decisions are made based on the model s ability to reproduce historical default swap spreads That is, the modeling aims differ accurate spreads versus accurate default.

Saving PSD files from Elements is also simple, because PSD is its native format. PSD files saved from Elements should open in Photoshop CS3 with few surprises.

ditionally, with the exception of patients with preeclampsia, LDH values change little during pregnancy and therefore can also be used for clinical correlation and monitoring of disease activity.

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In short, your JSPs and servlets access and change session object data by using setAttribute and getAttribute methods.

The two exception classes specific to JSP are JspException and JspError. You encountered these classes in 7, "JSP Tag Extensions." JspException is a subclass of Exception, and JspError is a subclass of JspException (not class Error). Both JSP exception classes may be found in the javax.servlet.jsp package. Note Unless you are writing custom tag libraries, you re not likely to use these exception classes.

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