From all my years in research and consulting, I think I’ve learned a thing or two about marketing worth sharing. Enduring fundamentals, mostly—yet often overlooked. So, over the course of my biweekly ...

A budget variance measures the difference between budgeted and actual figures for a particular accounting category, and may ...

Many bankers hear the term “Statistical Significance” but don’t know what it means and how it is relevant to potential fair lending violations. Typically, when an examiner is evaluating if a bank is ...

Every research lab is constantly innovating; either by creating something new or by understanding the equations and statistics underlying each vital subject, the stakes are high. With trillions of ...

Jim Chappelow is an independent consulting economist with over 13 years of experience in economic development, research, teaching, forecasting, and consulting. David Kindness is a Certified Public ...