World Leading Hi-Tech Research Defining World Leading Risk Management & Risk Analytics Practices
*Projects *Goldman Sachs *JP Morgan *Wall Street Hedge Funds *Princeton Quant Presentations *Model Risk Management *SR11-7 & OCC2011-12
*Research *Future of Finance *Bayesian vs. VaR *Markov Chain Monte Carlo Models *Cyber Finance *Future of Risk *Cyber Risk *Bitcoin Protocol

Current Research Projects at www.FinRM.org. Below: Historical Archive of Prior Research, Intelligence, and, Analysis Tools.
10,000 Finance, Accounting & Economics Concepts: In Alphabetical Order:
A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R, S, T, U, V, W, X, Y, Z. [1,250 Latest Articles]
*
@brint.com
Interactive Research Portals-Glossary of 10,000 Finance, Accounting, and Economics Terms: D
"A Pretty Powerful Portal. Smart Stop on the Web." - American Institute of Certified Public Accountants
*

Research Analyst Wizard: Click on a term to create most-updated research microsite on that topic.


D
daily interest account · daily trading limit · daisy chaining · dangling debit · data encryption standard (DES) · data processing · Data Universal Numbering System (DUNS) · Data Universal Numbering System +4 (DUNS+4) · date draft · date of agreement · Date of Auditors'/Accountants' Report · date of record · dated date · dating · DAX 100 · day loan · day order · day trade · day trader · daybook · daycount · day-end closing · daylight saving time · daylight trade · days accounts payable (Days A/P) · days accounts receivable (Days A/R) · days cover · days date · days of grace · days of inventory · days sales in payables · days sales in receivables · days sales to inventory · days sight · days working capital · DBA · de facto corporation · de facto merger · de jure director · dead cat bounce · dead time · deadhead · deadleg · deal · dealer · dealer bank · dear money · death benefit · Death Benefit · death rate · debenture · debit · Debit · debit balance · Debit Balance · debit card · debit memo · debit note · debitor · debt · Debt · debt capacity · debt capital · debt consolidation · debt factoring · debt financing · debt for environment swap · debt for export swap · debt for nature swap · debt forgiveness · debt instrument · debt investment · debt limit · debt rating · debt refinancing · debt relief · debt rescheduling · debt restructuring · debt security · Debt Security · debt service · debt service constant · debt service coverage · debt service fund · Debt Service Fund · debt service requirements · debt service reserve fund · debt to equity ratio · debt to worth ratio · debt-equity ratio · debt-equity swap · debt-laden · debtor · Debtor · debtor days · Decedent · declaration date · declared value · declared value for carriage · declared value for customs · declining balance · declining balance depreciation · declining marginal utility · declining returns to scale · deconsolidation · decouple · decree of foreclosure and sale · decrement · dedication · deduction · deductive value · deed given to secure a debt · deed in lieu of foreclosure · deed of arrangement · deed of assignment · deed of composition · deed of covenant · deed of gifts · deed of inspectorship · deed of mortgage · deed of protest · deed of transfer · deed of trust · deed restrictions · deep discount · deep discount bond · deep in money option · deep out of money option · deep pockets · defalcation · Defalcation · default · Default · default model · default probability · default probability plan · default risk · Defeasance · defective contract · defective performance · defective title · defensive investment strategy · defensive sectors · defensive securities · defensive stocks · defer · deferred annuity · deferred asset · deferred charge · Deferred Charge · deferred compensation · deferred compensation pension plan · deferred compensation plan · deferred credit · deferred debit · deferred distribution profit-sharing plan · deferred dividend shares · deferred income · deferred income tax charge · deferred income tax liability · Deferred Income Taxes · deferred liability · deferred payment letter of credit (L/C) · deferred profit-sharing plan · deferred rebate · deferred reimbursement letter of credit (L/C) · deferred revenue · deficiency agreement · deficiency balance · Deficiency in Design · Deficiency in Operation · deficiency judgment · deficiency letter · deficiency payment · deficit · Deficit · deficit carried forward · deficit financing · deficit spending · defined benefit formula · defined benefit pension plan · defined benefit plan · Defined Benefit Plan · defined contribution pension plan · defined contribution plan · Defined Contribution Plan · definite term contract · definitized item · deflation · deflator · degree day swap · degroupage · del credere agent · del credere risk · delay allowance · delayed call bond · delinquency · delinquency ratio · delisting · delivered at frontier (DAF) · delivered duty paid (DDP) · delivered duty unpaid (DDU) · delivered ex ship · delivered price · delivery · delivery date · delivery forecast · delivery instructions · delivery month · delivery note · delivery notice · delivery order contract · delivery party · delivery payment · delivery period · delivery point · delivery reliability · delivery schedule · delivery terms · delivery time · delivery timeliness · delta · delta and gamma · delta hedge · demand · demand analysis · demand and supply · demand billing · demand charge · demand curve · demand density · demand deposit · demand draft · demand factor · demand forecast · demand guarantee · demand inflation · demand instrument · demand loan · Demand Loan · demand management · demand note · demand option · demand pull inflation · demand satisfaction rate · demand side economics · demand side management · demand side model · demand side research · demand-backward pricing · demand-based pricing · demand-oriented pricing · democracy · demographic environment · demographic evolution · demographic factors · demographic segmentation · demographic time-bomb · demographic transition · demographics · demography · demonetization · demonstrated reserves · demurrage · denationalization · DENK · denomination · density of population · Department of Commerce (DOC) · Department of Labor · dependency exemption · dependency ratio · Dependent Care Expenses · dependent demand · depletable resource · Depletion · depletion accounting · deposit · deposit account · deposit administration contract · deposit insurance · Deposit Method · deposit multiplier · deposit rate · deposit term life insurance · depositary · depository · depository account · depository institution · depository insurance · depository trust company (DTC) · depreciable asset · depreciable cost · depreciation · Depreciation · depreciation expense · depreciation rate · depreciation schedule · depreciation to fixed assets ratio · depreciation to sales ratio · depressed mortgage · depression · deprival method of valuation · depth of market · deregulation · derivative · derivative instrument · derivative security · Derivatives · derived demand · Detection Risk · detective control · Detective Controls · devaluation · developed countries · developing countries · development · development bank · development bond · development capital · development cost · development loan · DEWK · diagonal spread · dialing for dollars · diamonds · different investment horizon theory · differential · differential accounting · differential cost · diffusion of innovation · digital cash · digital option · diluted earnings per share · dilution of ownership · dilution protection · diminishing balance depreciation · diminishing marginal product · diminishing marginal utility · diminishing returns · Diners club · dip · direct advertising · direct bank guarantee · direct charge off method · direct collection · direct competition · direct conduit company · direct cost · direct cost approach · direct costing · direct credit substitute · direct debit payment · direct delivery · direct deposit · direct expense · direct exporting · direct investment · direct labor · direct labor burden · direct labor cost · direct labor standard · direct loss · direct material · direct material cost · direct method cash flow statement · direct overhead cost · direct participation program · direct pay letter of credit (L/C) · direct payment · direct placement · direct premium · direct public offering · direct reduction mortgage (DRM) · direct tax · direct write off method · directional strategy · directly associated cost · directly engaged · directors and officers liability insurance · dirty bill of lading (B/L) · dirty float · dirty money · dirty price · disability buy-out insurance · disability pension · disbursement · Disbursement · disbursement rate · discharged bankrupt · disclaimer of opinion · Disclaimer of Opinion · disclaimer of warranties · disclosure · Disclosure · disclosure document · Discontinued Operations · discount · Discount · discount bond · discount broker · discount certificate · discount factor · discount factoring · discount for lack of control · discount for lack of marketability · discount for lack of voting rights · discount house · discount instrument · discount loan · discount market · discount method · discount note · discount period · discount point · discount rate · Discount Rate · discount schedule · discount share · discount store · discount yield · Discounted Cash Flow · discounted cash flow method · discounted cash-flow (DCF) · discounted future earnings method · discounting · discounting bank · discounting of accounts receivable · discounting of bill · discouraged worker · discrepancy letter of credit (L/C) · discretionary account · discretionary accrual · discretionary buying power · discretionary cost · discretionary expenditure · discretionary income · discretionary portfolio management · discretionary trust · Discretionary Trust · diseconomies of scale · dishonor · dishonor by non-acceptance · dishonor by non-payment · dishonored check · disinflation · disintermediation · dislocated worker · displaced homemaker · displaced worker · disposable income · dissenters' right · Dissolution · distressed security · distributable cost · distributable labor cost · distributed cost · distributed labor cost · distributed profits · distribution · distribution cost · distribution date · distribution expense · Distribution Expense · distribution record date · Distributions · distributive justice · district · divergence mapping · diversifiable risk · diversification · diversity · divestiture · divestment · divided account · dividend · dividend capitalization model · dividend capture · dividend cover · dividend discount model · dividend equalization reserve · dividend growth model · dividend payout ratio · dividend re-investment plan (DRIP) · dividend re-investment program (DRIP) · dividend rollover · dividend valuation model · dividend yield · Dividends · division income · division of labor · divisional budget · do not reduce (DNR) · dock receipt · doctrine of approximation · doctrine of constructive receipt · doctrine of reasonable expectations · document of title · documentary bill · documentary collection · documentary credit · documentary demand · documentary draft · documentary evidence · documentary letter of credit (L/C) · documentary sample · documentation · Documentation Completion Date · documents · documents against acceptance (D/A) · documents against payment (D/P) · documents sent on approval · dollar bond · dollar cost averaging · dollar weighted rate of return · domestic bill of lading (B/L) · domestic bond · domestic credit · domestic demand · domestic income · domesticated market · domicile · domiciled credit · dominant firm · dormant account · dormant partner · double barreled bond · double declining-balance depreciation · double hedging · double jeopardy · double taxation · double taxation treaty · double witching day · double witching hour · double-entry bookkeeping · Double-Entry Bookkeeping · doubtful account · doubtful loan · Dow Jones Averages · Dow Jones Equity Market Index · Dow Jones Global Indexes · Dow Jones Industrial Average (DJIA) · Dow theory · down payment · downgrade risk · downline · downpayment · downside · downside risk · downstream industries · downtick · downtime · downtrend · downturn · draft · draft authorization agreement · draft bill of exchange · drag along right · drag on returns · drawback · drawdown · drawee · drawee bank · drawer · drawing account · drawings · drayage · drop dead · drop shipper · drop-dead fee · drought · dry basis · du pont formula · du pont system · dual capacity · dual currency bond · Dual Dating · dual distribution · dual economy · dual pricing · dual-basis payroll insurance · due · due date · Due Date · due diligence · Due Diligence · due-on-sale clause · dummy corporation · dumping · dun · Dun & Bradstreet (D&B) · Dun & Bradstreet number · Dun & Bradstreet rating · dunning letter · duopoly · duopsony · duplicate bill of lading (B/L) · durable goods · durable goods orders · duration · duration and convexity · Dutch auction · duty entry · duty free zone (DFZ) · dynamic continuous evolutionary innovation · dynamic hedging · dynamic risk ·

Research Portals and Glossary of 10,000 Finance, Accounting, and Economics Terms
A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R, S, T, U, V, W, X, Y, Z

SAMPLE OF FinTech PROJECTS LEADING GLOBAL FIRMS & NATIONAL ECONOMIES

FinTech Enterprise Risk-Model Risk Management meet Penetration Testing-Ethical Hacking

2015 National CSO-CxO Cybersecurity Conference

Cybersecurity & Cyber-Finance Risk Management: Strategies, Tactics, Operations, &, Intelligence: Enterprise Risk Management to Model Risk Management: Understanding Vulnerabilities, Threats, & Risk Mitigation

CSO-CxO Plenary Keynote, National Cybersecurity Summit, Altria Group Inc. Headquarters, VA, 2015

New York Cyber Security and Engineering Technology Association (NYSETA) Conference
A Framework for Pen Testing Network Protocols for Global Banking & Finance Call Centers: Bridging Networks, Systems, and, Controls Frameworks for Cybersecurity Curricula & Standards Development
(Innovative Design and Development Practices)

New York Cyber Security and Engineering Technology Association (NYSETA) Conference, 2015.




29 SSRN Top-10 Paper Rankings in FinTech Quant Risk Analytics-Model Risk Management
  1. SSRN's Top-10 Paper: CGN: Risk Management Practice: January 2016.
  2. SSRN's Top-10 Paper: CGN: Risk Management, Including Hedging & Derivatives: January 2016.
  3. SSRN's Top-10 Paper: Corporate Governance Practice Series eJournal: January 2016.
  4. SSRN's Top-10 Paper: IRPN: Innovation & Cyberlaw & Policy: January 2016.
  5. SSRN's Top-10 Paper: Econometrics: Mathematical Methods & Programming eJournal: May 2015.
  6. SSRN's Top-10 Paper: Computational Techniques: May 2015.
  7. SSRN's Top-10 Paper: Information Systems & Economics eJournal: May 2015.
  8. SSRN's Top-10 Paper: Econometrics: Mathematical Methods & Programming eJournal: April 2015.
  9. SSRN's Top-10 Paper: ERN: Computational Techniques (Topic): April 2015.
  10. SSRN's Top-10 Paper: Econometric Modeling: Risk Management eJournal: March 2015.
  11. SSRN's Top-10 Paper: Econometric Modeling: Capital Markets - Risk eJournal: March 2015.
  12. SSRN's Top-10 Paperr: Econometric Modeling: Capital Markets - Risk eJournal: March 2015.
  13. SSRN's Top-10 Paper: MRN Operations Research Network eJournal: March 2015.
  14. SSRN's Top-10 Paper: OPER Subject Matter eJournal: March 2015.
  15. SSRN's Top-10 Paper: Systemic Risk (Topic): March 2015.
  16. SSRN's Top-10 Paper: Econometrics: Mathematical Methods & Programming eJournal: March 2015.
  17. SSRN's Top-10 Paper: Econometric & Statistical Methods - Special Topics eJournal: February 2015.
  18. SSRN's Top-10 Paper: Microeconomics: Decision-Making under Risk & Uncertainty eJournal: February 2015.
  19. SSRN's Top-10 Paper: VaR Value-at-Risk (Topic): February 2015.
  20. SSRN's Top-10 Paper: ERN: Uncertainty & Risk Modeling (Topic): February 2015.
  21. SSRN's Top-10 Paper: ERN: Econometric & Statistical Methods (Topic): February 2015.
  22. SSRN's Top-10 Paper: Computational Techniques (Topic): February 2015.
  23. SSRN's Top-10 Paper: OPER: Analytical (Topic): February 2015.
  24. SSRN's Top-10 Paper: ERN: Mathematical Methods & Programming (Topic): February 2015.
  25. SSRN's Top-10 Paper: Stochastic Models eJournal: February 2015
  26. SSRN's Top-10 Paper: Econometric Modeling: Capital Markets - Risk eJournal: January 2015.
  27. SSRN's Top-10 Paper: Microeconomics: Decision-Making under Risk & Uncertainty eJournal: January 2015.
  28. SSRN's Top-10 Paper: Uncertainty & Risk Modeling (Topic): January 2015.
  29. SSRN's Top-10 Paper: VaR Value-at-Risk (Topic): January 2015.



Princeton University Invited FinTech Research Presentation on Model Risk Management
Pioneering the FinTech Future of Global Cyber Finance and Cyber Risk Insurance

'"It is this "true" uncertainty, and not risk, as has been argued, which forms the basis of a valid theory of profit and accounts for the divergence between actual and theoretical competition... It is a world of change in which we live, and a world of uncertainty...If we are to understand the workings of the economic system we must examine the meaning and significance of uncertainty; and to this end some inquiry into the nature and function of knowledge itself is necessary."
-- Frank H. Knight
in
Risk, Uncertainty, and Profit

(Boston, MA: Hart, Schaffner & Marx; Houghton Mifflin Co), 1921.

Risk, Uncertainty, and Profit: Frank Knight
(Boston, MA: Hart, Schaffner & Marx; Houghton Mifflin Co), 1921.

2015 Princeton Quant Trading Conference
'Knight Reconsidered':
Risk, Uncertainty, and, Profit for the Cyber Era: Model Risk Management of Cyber Insurance Models using Quantitative Finance and Advanced Analytics

(Global Risk Management Network, LLC, 2015).




Top Wall Street Banks' Model Risk Management Beyond VaR for Extreme Risks
FinTech Technical Expert to Top MDs Team for World's Largest Investment Bank


Cryptanalytic Algorithms and Quantum ComputingBeyond 'Bayesian vs. VaR' Dilemma to Empirical Model Risk Management: How to Manage Risk (After Risk Management Has Failed).
(Global Risk Management Network, LLC, 2012, 2014)

Cryptanalytic Algorithms and Quantum Computing

Measuring & Managing Financial Risks with Improved Alternatives Beyond Value-At-Risk (VaR)
(Global Risk Management Network, LLC, 2012).


FinTech Markov Chain Monte Carlo Models and Bitcoin Block Chain Encryption Protocols

Markov Chain Monte Carlo Models, Gibbs Sampling, and, Metropolis-Hastings Algorithms

Markov Chain Monte Carlo Models,
Gibbs Sampling, and, Metropolis-Hastings Algorithms

(Global Risk Management Network, LLC, 2013).
Complex Stochastics Hi-Dimensional Statistical Analysis

Bitcoin Protocol: Model of ‘Cryptographic Proof’ Based Global Crypto-Currency & Electronic Payments System
Bitcoin Protocol: Model of 'Cryptographic Proof' Based Global Crypto-Currency & Electronic Payments System
(Global Risk Management Network, LLC, 2013).
First Report on the Bitcoin Cryptographic-Proof-of-Work



FinTech Computational Quantitative Cryptanalytic Algorithms for Cyber-Quantum Era


Cryptanalytic Algorithms and Quantum ComputingFuture of Bitcoin & Statistical Probabilistic Quantitative Methods: Interview by Hong Kong Institute of Certified Public Accountants
(Global Risk Management Network, LLC, January 20, 2014.)

Cryptanalytic Algorithms and Quantum Computing
Cryptology beyond Shannon’s Information Theory: Preparing for when the ‘Enemy Knows the System’: Beyond NSF Cryptanalytic Algorithms
(Global Risk Management Network, LLC, 2013.)


AACSB Recognizes Real Impact among Nobel Laureates such as Black-Scholes
Pioneered Anticipatory Risk Analytics Frameworks Applied by Top Investment Banks 

“There are many examples illustrating that advances in basic research have had a substantial impact on practice. Exemplars of this phenomenon can be seen in finance through academic publications on the theories of portfolio selection (Markowitz, 1952), irrelevance of capital structure (Modigliani and Miller, 1958), capital asset pricing (Sharpe, 1964), efficient markets (Fama, 1965 and 1970), option pricing (Black and Scholes, 1973), and agency theory (Jensen and Meckling, 1976). All are well-known for their substantial impact on both theory and practice. In information systems, the research of Malhotra (Malhotra, 2004) has helped companies to understand why knowledge management systems fail...

AACSB logoAACSB

MORE...

Cryptanalytic Algorithms and Quantum Computing

“The new business model of the Information Age, however, is marked by fundamental, not incremental, change. Businesses can't plan long-term; instead, they must shift to a more flexible "anticipation-of-surprise" model.”
-- Yogesh Malhotra in CIO Magazine interview, Sep. 15, 1999.


 

Leading Global Enterprise Risk Management and Model Risk Management Practices

"The future is moving so quickly that you can’t anticipate it… We have put a tremendous emphasis on quick response instead of planning. We will continue to be surprised, but we won't be surprised that we are surprised. We will anticipate the surprise."
*
20-Years of the Model Risk Management Program
  “The new business model of the Information Age, however, is marked by fundamental, not incremental, change. Businesses can't plan long-term; instead, they must shift to a more flexible "anticipation-of-surprise" model.”
-- Yogesh Malhotra in CIO Magazine interview, Sep. 15, 1999.
[A Decade Later... Wall Street CEO, CFOs, & CROs know so... ]
Model Risk Management Program

 

Global-National Expert Panels of Computer Scientists & Quantitative Economists
Global-National Thought Leader for UN, NSF, US & World Governments & Parliaments

National Science Foundation  IBM

  USA Federal Government
US Dept. of Veteran Affairs

Government and Cabinet Of Mexico

United Nations

Government and Cabinet Of Netherlands

Nation of South Korea
Maeil Business TV

ACM  IEEE HP
TiE Silicon Valley  Accenture
Intel  Philips
British Telecom  Institute for Supply Management
The Conference Board

MORE...

Digital Transformation Research in Global Business & Technology Press

CIO Magazine
CIO Insight
Inc.
Fortune
Wall Street Journal
MORE...


Digital Transformation Ventures in Global Business & Technology Press

Media Coverage Media Coverage
MORE...


Digital Transformation Venture Clients, Patrons, & Subscribers

A sample of our corporate and organizational clients, patrons, and users is listed below:

FinTech Firms: Goldman Sachs, Google, HP, IBM, Intel, Microsoft, Ogilvy, Wells Fargo

Consulting Firms: Accenture, Ernst & Young, McKinsey, PricewaterhouseCoopers

World Governments: Australia, Canada, European Union, United Kingdom, United States

U.S. Defense: AFRL, Air Force, Army, CCRP, Comptroller, DISA, DoD, NASA, Navy, RAND

World Defense: Australia (Air Force), Canada (Defence R&D), UK (Ministry of Defence)

Business Schools: Harvard, MIT, Princeton, Stanford, UC Berkeley, Wharton

Associations
: AACSB, ABA, ACM, AICPA, AOM, APICS, ASTD, ISACA, IEEE, INFORMS

"Founder Yogesh Malhotra says his vision is to fill the gaps between business and technology, data and knowledge, and, theory and practice..."
-
Dr. Yogesh Malhotra in Fortune
Interview

MORE...


Cyber Transformation Practices Guiding US DoD Commanders & CxOs
("Obsolete what you know before others obsolete it..."
- Dr. Yogesh Malhotra in Inc. Interview)

United States Army United States Navy United States Air Force United States Marine Corps AFRL
"If you spend some time at [the digital research lab] founded by Dr. Malhotra youwill be blessed by some of the world's most astute thinking on the nature of knowledge and its value." 
- U.S. Army Knowledge Symposium, Theme: "Knowledge Dominance: Transforming the Army...from Tooth to Tail", US Department of Defense, United States Army.

"There are many definitions of knowledge management. It has been described as "a systematic process for capturing and communicating knowledge people can use." Others have said it is "understanding what your knowledge assets are and how to profit from them." Or the flip side of that: "to obsolete what you know before others obsolete it." (Malhotra) "
- U.S. Department of Defense, Office of the Under Secretary of Defense (Comptroller)

"KM is obsoleting what you know before others obsolete it and profit by creating the challenges and opportunities others haven't even thought about -- Dr. Yogesh Malhotra, in Inc. Technology Interview"
- U.S. Defense Information Systems Agency Interoperability Directorate

MORE...

Top-3 Most Influential Scholars-Practitioners
in Knowledge Management
(Ranked in Drexel University Global Survey of IS Practice)

Vision Korea Campaign Keynotes
Dr. Yogesh Malhotra among other 'Vision Korea' National Campaign Keynote Speakers in Vision Korea National Campaign (2000): Dr.Charles Lucier of Booz Allen Hamilton, Dr.David Snowden of IBM, Dr.Robert H. Buckman of Buckman Labs, Dr.Hubert Saint-Onge of Canadian Imperial Bank of Commerce, Professor Dr.Ikujiro Nonaka of Hitotsubashi University

MORE...

Pioneered Knowledge Management Digital Transformation Practices
Led Global Virtual Team of 200-PhD Experts & CxOs to Publish Pioneering Research

CyberspaceOrganizations
Published in 2000
CyberspaceBusinessModels
Published in 2001

CyberspaceBusinessModels
Journal Articles & Reports 1993-Present

Published independent Study paper on computer graphics image compression standards for hypermedia computing technologies, the precursor of WWW, on MBA graduate research fellowship with B2B pioneer and full tuition scholarship in 1993.

MORE...



Developed Top Digital Research Site, Search Engine, & Social Network

Top-Ranked Digital Research Site: Computerworld Best Web Site Award


Top-3 Search Engine: Carnegie Mellon University Industry.Net National Awards


Top-10 Social Network: Popular Rankings after LinkedIn

Led Global Virtual Community of Practice of 130,000+ to Pioneer Digital Transformation Practices
Millions of worldwide users included Global-2000 Corporations and G-20 World Governments.

Top3SearchEngineBRINT

Top-3 Search Engines Ranked in the Carnegie Mellon University: National Industry.Net Awards


Top of Page

Global Risk Management Network: 'Your Survival Network for The Brave New World Of Business'tm

Global RISK Management Network | Help & FAQs

Terms of Use | Privacy | © Copyrights 2012
Global Risk Management Network, LLC, Cornell Business and Technology Park, Ithaca, NY 14852-4892, U.S.A.