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Thomas, L. (2009-01-29). Portfolio credit risk and the Basel Accord. In Consumer Credit Models: Pricing, Profit and Portfolios. : Oxford University Press. Retrieved 24 Aug. 2019, from https://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199232130.001.1/acprof-9780199232130-chapter-5.