Diary of a Wimpy Kid meets Big Hero Six when a group of young but defective superheroes attempt to save the day! Laser vision isn't so hot when you're cross-eyed, and supersonic flight's a real downer when motion sickness keeps you grounded. Twelve-year-old Marshall Preston is a Defective--a person with superhuman abilities that are restricted by some very human setbacks. While other kids are recruited to superhero teams, Marshall's stuck in seventh grade with a kid who can run at super speed but can't turn a corner, another with a radioactive peanut allergy that turns him into a swollen Hulk, and a telepath who reads everyone's thoughts out loud. Defectives like Marshall aren't exactly superhero material, but when he uncovers a plot to destroy one of the greatest superhero teams of all time, Marshall and his less-than-super friends set out to prove that just because you're defective doesn't mean you can't save the day. With full illustrations throughout and a funny, heartwarming story, Superfail is the perfect book for reluctant young readers and the superhero fan.

Despite numerous small success stories, the big picture of America’s toxics programs is one of overall failure. Superfund has failed to Clean up America’s worst dump sites; policies to regulate generation of new hazardous waste have foundered; standards have been set for only eight of several hundred air toxics; transportation spills and industrial

Twelve-year-old Marshall is a defective--a person with superhuman abilities who is limited by human setbacks--so when he discovers a plot to destroy the greatest superhero team of all time, he teams up with other defectives to stop it.

¿Pueden unos superhéroes "defectuosos" salvar al mundo? Este libro está dedicado a todos aquellos que alguna vez se han sentido defectuosos. Marshall tiene poderes increíbles: puede lanzar rayos láser por los ojos y volar. El problema es que sufre de estrabismo y de vértigo, así que sus habilidades no le sirven de mucho. Su mejor amigo, Lewis, puede leer la mente, pero sólo en voz alta. Él sueña con ser parte del Superequipo, el grupo de superhéroes más prestigioso de la ciudad. Pero, ¿quién estaría interesado en un niño con poderes defectuosos? Sin embargo, su encuentro con un superhéroe retirado lo pondrá en el camino para frustrar los nefastos planes del Sin Nombre. Así, en su aventura, Marshall reunirá a un grupo de adolescentes con poderes tan defectuosos como los suyos, y juntos descubrirán que pueden ser igual o más competentes que los verdaderos superhéroes.

Credit Scoring and Its Applications is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain an understanding of what lending institutions seek to achieve by using credit scoring and the changes in their objectives. New to the second edition are lessons that can be learned for operations research model building from the global financial crisis, current applications of scoring, discussions on the Basel Accords and their requirements for scoring, new methods for scorecard building and new expanded sections on ways of measuring scorecard performance. And survival analysis for credit scoring. Other unique features include methods of monitoring scorecards and deciding when to update them, as well as different applications of scoring, including direct marketing, profit scoring, tax inspection, prisoner release, and payment of fines.

Paco and Brenda come to New York City to find Jaime...and get caught by the D.E.O.! Superfail continues its smear campaign against Blue Beetle and Booster Gold is the only hero to come to Beetle's defense!