Publications
April, 2002

An Empirical Investigation of Credit Transition Matrices

Use of Markov Matrices to examine the likelihood of default for various equities

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January, 2004

Intercept Studies, Clinical Trials, and Cluster Experiments: To Whom Can We Extrapolate

An article by Dr. Charles Cowan and Dr. Janet Wittes that was published in the January 1994 edition of Controlled Clinical Trials.

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January, 2003

Default Correlation : An Empirical Investigation of a Subprime Lender

An article by Dr. Adrian Cowan and Dr. Charles Cowan that was published in 2004 in Volume 28, Issue 4 of the Journal of Banking and Finance edition.

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October, 2002

Use of Mass Appraisals in Toxic Tort Litigation Involving Loss of Value

This paper reviews methods used in Toxic Tort Litigation to examine alleged loss of value for properties proximate to buildings suffering environmental disamenities.

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September, 2002

Taxes and the Pricing of Government Sponsored Entity Bonds

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November, 2006

A Survey Based Assessment of Financial Institution Use of Credit Scoring for Small Business Lending

The study attempts to answer several questions related to the use of credit scoring in small business lending.

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July, 2006

Using Statistics To Even The Odds With Experts

Birmingham, AL - Christopher Bottcher, a shareholder in the Birmingham law firm Sirote and Permutt, and Dr. Charles Cowan, managing partner of Analytic Focus published an article in the July 2006 edition of For The Defense, a mazagine for defense, insurance, and corporate counsel.

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December, 1989

Mall Intercepts and Clinical Trials: The Philosophy of Inference From Different Types of Research Designs

An article by Dr. Charles Cowan that was published in the March 1989 edition of American Marketing Association

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January, 2004

The Economic Impact of the Birmingham Civil Rights Institute on the Birmingham MSA and the State of Alabama

This report is an analysis of the economic impact of the Birmingham Civil Rights Institute (BCRI).

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Featured Case Studies

Trade Dress: VPX v. ABB

A manufacturer of liquid energy drinks filed suit against another manufacturer of liquid energy drinks, claiming that the shape and type on the bottles of the defendant caused confusion among potential purchasers.

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Fidelity Mortgage v. Seattle Times

A case involving claims of lost sales, due to the deceptive reporting of prices and bait-and-switch.

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Featured News

Testimony Offered Regarding the Use of Samples in the Evaluation of Underwriting of Loans

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Managing Partner of Analytic Focus Invited Speaker at Defense Research Institute Damages 2010 Conference in Las Vegas

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Managing Partner of Analytic Focus Invited to Speak Before National Academy of Sciences

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An Empirical Investigation of Credit Transition Matrices

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Intercept Studies, Clinical Trials, and Cluster Experiments: To Whom Can We Extrapolate

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Analytic Focus - Birmingham Moves!

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Testimony Offered Regarding the Use of Samples in the Evaluation of Underwriting of Loans

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