Lending to various companies and individuals is a core business of banks. This lending activity comes with credit risk, namely the risk that some borrowers default and fail to make required payments. Estimating credit risk accurately is important for banks’ risk management. In this project, we analyze and model the dependence between loss frequency and loss rate of defaulting customers. The reason for the dependence comes from the underlying economic cycle: in an economic downturn, losses occur both more frequently and more severely than in an economic boom.

The project looks to explore the trends and directions of the labor market in the recreation, sport, and leisure industry for the Province of Alberta. Within this 6-month project, a review of the current literature in the human resource area of the field will be undertaken along with look at the current and past trends of the labor market within the province.

Child sexual abuse (CSA) is an all too prevalent form of childhood trauma worldwide. Nearly 1 in 5 women and 1 in 10 men experience some form of abuse in their childhood. CSA has been linked to numerous long-term effects: PTSD, depression, anxiety, substance abuse, eating disorders, sexual dysfunction, suicidal ideation, and cognitive impairment. Growing awareness of the problem has led more individuals to seek professional treatment. At present, there is no gold-standard for CSA treatment, particularly in youth.

A two-year study on brazing technologies used for sintered tungsten carbide tiles is proposed to address the following technical objectives: 1) brazing metallurgy for sintered tungsten carbide and substrate high strength steel, 2) adherence mechanisms between different braze compositions and carbide tiles, 3) brazing parameters for optimized brazed joint performance, and 4) the mechanical stresses developed through the brazing process.

Next-generation integrated circuits require the innovation of new interconnect materials in order to maintain the performance improvements of Moore’s Law scaling. Cobalt (Co) and ruthenium (Ru) are two specific metals that are garnering strong interest for use in the filling of interconnects because of their better electrical performance and reliability at the extremely scaled dimensions required by sub-10 nm technology nodes.

North American professional football players struggle with mental health challenges such as addiction and depression during and following their athletics careers. Despite the fact that these athletes value positive emotional, psychological, and social mental health, little is known about ways organisations can protect and promote these parts of athletes’ mental health. Therefore, the purpose of this research is to explore challenges and opportunities CFL players face to experiencing positive mental health during a professional season.