#### Topic: That to esteem (an estimation of risks, a floor-mat. .) :)

Greetings to all! Very much I want to understand a subject of an estimation of risks. We tell, how work systems in banks (which solve, whether to produce the credit or not). Or as rates of the insurance companies settle up. What it is possible to esteem about it? It seems to me, elements a floor-mat there are used. (which I studied at institute, but all forgot. Therefore in quality , recommend the good textbook on this business. It is desirable with practical (i.e. a minimum of proofs, a maximum of examples). In advance thanks