Нервное расстройство: на работе

С. 168 В 2014 году газета The New York Times опубликовала…: Jodi Kantor. Working Anything but 9 to 5: Scheduling Technology Leaves Low-Income Parents with Hours of Chaos // New York Times. 2014. August 13. www.nytimes.com/interactive/2014/08/13/us/starbucks-workers-scheduling-hours.html?_r=0.

В течение нескольких недель после публикации…: Jodi Kantor. Starbucks to Revise Policies to End Irregular Schedules for Its 130,000 Baristas // New York Times. 2014. August 14. www.nytimes.com/2014/08/15/us/starbucks-to-revise-work-scheduling-policies.html.

…спустя год Starbucks так и не смогла сдержать обещания…: Justine Hofherr. Starbucks Employees Still Face ‘Clopening,’ Understaffing, and Irregular Workweeks // Boston.com. 2015. September 24. www.boston.com/jobs/news/2015/09/24/starbucks-employees-still-face-clopening-understaffing-and-irregular-workweeks/FgdhbalfQqC 2p1WLaQm2SK/story.html.

С. 170 Союзники отслеживали…: William Ferguson Story. A Short History of Operations Research in the United States Navy. Master’s thesis. Naval Postgraduate School. December 1968. https://archive.org/details/shorthistoryofop00stor.

После Второй мировой войны…: US Congress, Offices of Technology Assessment. A History of the Department of Defense Federally Funded Research and Development Centers. OTA-BP-ISS-157. Washington, DC: US Government Printing Office, June 1995. www.princeton.edu/~ota/disk1/1995/9501/9501.PDF.

В 1960-е годы японские автомобильные компании…: John Holusha. ‘Just-In-Time’ System Cuts Japan’s Auto Costs // New York Times. 1983. March 25. www.nytimes.com/1983/03/25/business/just-in-time-system-cuts-japan-s-auto-costs.html.

С. 173 …исследования, проведенного Институтом экономической политики…: Leila Morsy, Richard Rothstein. Parents’ Non-standard Work Schedules Make Adequate Childrearing Difficult // Economic Policy Institute. 2015. August 6. www.epi.org/publication/parents-non-standard-work-schedules-make-adequate-childrearing-difficult-reforming-labor-market-practices-can-improve-childrens-cognitive-and-behavioral-outcomes/.

С. 174 Инициатива заглохла: H. R. 5159-Schedules That Work Act. 113th Congress. 2013–2014. Accessed 2016, January 10. www.congress.gov/bill/113th-congress/house-bill/5159.

…компания Cataphora из Сан-Франциско…: Stephen Baker. Data Mining Moves to Human Resources. Bloomberg BusinessWeek. 2009. March 11. www.bloomberg.com/bw/stories/

2009–03–11/data-mining-moves-to-human-resources.

С. 176 …исследователи из MIT проанализировали поведение работников колл-центра…: Joshua Rothman. Big Data Comes to the Office // New Yorker. 2014. June 3. www.newyorker.com/books/joshua-rothman/big-data-comes-to-the-office.

С. 179 …«Нация под угрозой»…: National Commission on Excellence in Education. A Nation at Risk: The Imperative for Educational Reform. Washington, DC: National Commission on Excellence in Education, 1983. www2.ed.gov/pubs/NatAtRisk/index.html.

С. 180 …случай Тима Клиффорда: Tim Clifford. Charting the Stages of Teacher Data Report Grief // WNYC-FM. 2012. March 9. www.wnyc.org/story/302123-charting-the-stages-of-teacher-data-report-grief/.

«Я не понимал, как это возможно: я так усердно работал все эти годы…»: Тим Клиффорд, интервью с автором по электронной почте, 13 мая 2014 года.

С. 182 …исследователи из Сандийских национальных лабораторий…: Tamim Ansary. Education at Risk: Fallout from a Flawed Report // Edutopia. 2007. March 9. www.edutopia.org/landmark-education-report-nation-risk.

…парадокс Симпсона…: Clifford Wagner. Simpson’s Paradox in Real Life // American Statistician 36. 1982. No. 1. P. 46–48.

С. 185 …анализа, проведенного блогером и преподавателем Гэри Рубинштейном…: Gary Rubinstein. Analyzing Released NYC Value-Added Data Part 2 // Gary Rubinstein’s Blog. 2012. February 28. https://garyrubinstein.wordpress.com/2012/02/28/analyzing-released-nyc-value-added-data-part-2/.

С. 186 …Конгресс и Белый Дом согласились отменить программу…: Julie Hirschfeld Davis. President Obama Signs into Law a Rewrite of No Child Left Behind // New York Times. 2015. December 10. www.nytimes.com/2015/12/11/us/politics/president-obama-signs-into-law-a-rewrite-of-no-child-left-behind.html.

…рабочая группа по вопросам образования при губернаторе штата Нью-Йорк Эндрю Куомо…: Yoav Gonen, Carl Campanile. Cuomo Vacktracks on Common Core, Wants 4-Year Moratorium // New York Post. 2015. December 10. http://nypost.com/2015/12/10/cuomo-backtracks-on-common-core-wants-

4-year-moratorium/.

С. 187 В результате движения бойкота 20 % школьников…: Elizabeth Harris. 20 % of New York State Students Opted Out of Standardized Tests This Year // New York Times. 2015. August 12. www.nytimes.com/2015/08/13/nyregion/new-york-state-students-standardized-tests.html.

Тима Клиффорда обрадовали эти новости…: Тим Клиффорд, интервью с автором по электронной почте, 13 мая 2014 года.

…проверенным оружием в борьбе с профсоюзами учителей…: Emma Brown. Education Researchers Caution Against Using Students’ Test Scores to Evaluate Teachers // Washington Post. 2015. November 12. www.washingtonpost.com/local/education/education-researchers-caution-against-using-value-added-models-ie-test-scores-to-evaluate-teachers/2015/11/12/72b6b45c-8950–11e5-be39–0034bb576eee_story.html.

Небоевые потери: кредитная политика

С. 188 …банкир, ваш сосед и член вашего сообщества, уже знал много подробностей вашей жизни: Dubravka Ritter. Do We Still Need the Equal Credit Opportunity Act? // Discussion Paper / Payment Cards Center, Federal Reserve Bank of Philadelphia. September 2012. https://ideas.repec.org/p/fip/fedpdp/12–03.html.

С. 189 …разработали модель для оценки степени риска невозврата кредита, названную ими FICO: Martha Poon. Scorecards as Devices for Consumer Credit: The Case of Fair, Isaac & Company Incorporated // Sociological Review. 55. 2007. October. P. 284–306. Doi: 10.1111/j.1467–954X.2007.00740.x.

…сайт FICO, например, предлагает простые инструкции…: FICO website. Accessed 2016, January 10. www.myfico.com/CreditEducation/ImproveYourScore.aspx.

С. 190 …вы имеете законное право затребовать ваш кредитный отчет…: Free Credit Reports / Federal Trade Commission, Consumer Information. Accessed 2016, January 10. www.consumer.ftc.gov/articles/0155-free-credit-reports.

…находящаяся в Вирджинии компания Neustar: Natasha Singer. Secret E-Scores Chart Consumers’ Buying Power // New York Times. 2012. August 18. www.nytimes.com/2012/08/19/business/electronic-scores-rank-consumers-by-potential-value.html.

С. 191 …такие как Capital One…: Emily Steel, Julia Angwin. On the Web’s Cutting Edge, Anonymity in Name Only // Wall Street Journal. 2010. August 4. www.wsj.com/news/articles/SB 10001424052748703294904575385532109190198.

С. 196 …«хорошая кредитная история – это очень секси»: CreditScoreDating.com. Accessed 2016, January 10. http://creditscoredating.com/.

…Сообщества по управлению человеческими ресурсами…: Gary Rivlin. The Long Shadow of Bad Credit in a Job Search // New York Times. 2013. May 11. www.nytimes.com/2013/05/12/business/employers-pull-applicants-credit-reports.html.

Исследование 2012 года, посвященное долгам по кредитным картам…: Amy Traub. Discredited: How Employment Credit Checks Keep Qualified Workers Out of a Job // Demos. February 2013. www.demos.org/sites/default/files/publications/Discredited-Demos.pdf.

С. 197 …медицинские расходы все равно остаются одной из основных причин банкротств в Америке: Christina LaMontagne. NerdWallet Health Finds Medical Bankruptcy Accounts for Majority of Personal Bankruptcies // NerdWallet. 2014. March 26. www.nerdwallet.com/blog/health/medical-costs/medical-bankruptcy/.

С. 198 На 2015 год в руках белых семей было сосредоточено в десять раз больше денег и имущества…: Tami Luhby. The Black-White Economic Divide in 5 Charts // CNN Money. 2015. November 25. http://money.cnn.com/2015/11/24/news/economy/blacks-whites-inequality/.

…среди белых только 15 % имели нулевой или отрицательный капитал…: Rakesh Kochhar, Richard Fry, Paul Taylor. Wealth Gaps Rise to Record Highs Between Whites, Blacks, Hispanics: Twenty-to-One // Pew Research Center. 2011. July 26. www.pewsocialtrends.org/2011/07/26/wealth-gaps-rise-to-record-highs-between-whites-blacks-hispanics/.

…десять штатов приняли закон о запрете использования кредитного скоринга в приеме на работу: National Conference of State Legislatures. Use of Credit Information in Employment 2013 Legislation // NCSL website. Updated 2014, September 29. www.ncsl.org/research/financial-services-and-commerce/use-of-credit-info-in-employ-2013-legis.aspx.

С. 199 Федеральная торговая комиссия сообщила в 2013 году…: Federal Trade Commission. In FTC Study, Five Percent of Consumers Had Errors on Their Credit Reports That Could Result in Less Favorable Terms for Loans // FTC website. 2013. February 11. www.ftc.gov/news-events/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports.

С. 200 …ей пришлось позвонить генеральному прокурору штата…: Gretchen Morgenson. Held Captive by Flawed Credit Reports // New York Times. 2014. June 21. www.nytimes.com/2014/06/22/business/held-captive-by-flawed-credit-reports.html.

С. 201 Возьмем историю жительницы Филадельфии Хелен Стоукс: Joe Palazzolo, Gary Fields. Fight Grows to Stop Expunged Criminal Records Living On in Background Checks // Wall Street Journal. 2015. May 7. www.wsj.com/articles/fight-grows-to-stop-expunged-criminal-records-living-on-in-background-checks-1430991002.

С. 202 …она не видит, что ее включили в интервал…: Office of Oversight and Investigations. A Review of the Data Broker Industry: Collection, Use, and Sale of Consumer Data for Marketing Purposes // Committee on Commerce, Science, and Transportation. 2013. December 18. http://educationnewyork.com/files/rockefeller_databroker.pdf.

Жительнице Арканзаса по имени Кэтрин Тейлор…: Ylan Q. Mui. Little-Known Firms Tracking Data Used in Credit Scores // Washington Post. 2011. July 16. www.washingtonpost.com/business/economy/little-known-firms-tracking-data-used-in-credit-scores/2011/05/24/gIQAXHcWII_story.html.

С. 204 Однажды он решил, что бабочки питаются «кошерно»…: Stephen Baker. After ‘Jeopardy’ // Boston Globe. 2011. February 15. www.boston.com/bostonglobe/editorial_opinion/oped/articles/2011/02/15/after_jeopardy/.

…автоматический сервис проставления тегов для изображений обозначил всех троих как горилл: Alistair Barr. Google Mistakenly Tags Black People as ‘Gorillas,’ Showing Limits of Algorithms // Wall Street Journal. 2015. July 1. http://blogs.wsj.com/digits/2015/07/01/google-mistakenly-tags-black-people-as-gorillas-showing-limits-of-algorithms/.

С. 206 …Facebook запатентовал новый тип кредитного рейтинга…: Robinson Meyer. Could a Bank Deny Your Loan Based on Your Facebook Friends? // Atlantic Monthly. 2015. September 25. www.theatlantic.com/technology/archive/2015/09/facebooks-new-patent-and-digital-redlining/407287/.

С. 207 Компания American Express убедилась в этом на собственной шкуре…: Ron Lieber. American Express Kept a (Very) Watchful Eye on Charges // New York Times. 2009. January 30. www.nytimes.com/2009/01/31/your-money/credit-and-debit-cards/31money.html.

С. 209 …идея Дугласа Меррилла: Steve Lohr. Big Data Underwriting for Payday Loans // New York Times. 2015. January 19. http://bits.blogs.nytimes.com/2015/01/19/big-data-underwriting-for-payday-loans/.

На сайте своей компании…: ZestFinance.com. Accessed 2016, January 9. www.zestfinance.com/.

Стандартный кредит в 500 долларов…: Lohr. Big Data Underwriting.

…обрабатывают до десяти тысяч параметров по каждому претенденту…: Michael Carney. Flush with $ 20M from Peter Thiel, ZestFinance Is Measuring Credit Risk Through Non-traditional Big Data // Pando. 2013. July 31. https://pando.com/2013/07/31/flush-with-20m-from-peter-thiel-zestfinance-is-measuring-credit-risk-through-non-traditional-big-data/.

С. 210 Один из первых таких центров обмена, Lending Club…: Richard MacManus. Facebook App, Lending Club, Passes Half a Million Dollars in Loans // Readwrite. 2007. July 29. http://readwrite.com/2007/07/29/facebook_app_lending_club_passes_half_a_million_in_loans.

…через год получил финансирование…: Lending Club. Lending Club Completes $ 600 Million SEC Registration and Offers New Alternative for Consumer Credit // Lending Club. 2008. October 14. http://blog.lendingclub.com/lending-club-sec-registration/.

Объем выданных ими кредитов не превышает 10 миллиардов долларов…: Peter Renton. Five Predictions for 2015 // Lend Academy. 2015. January 5. www.lendacademy.com/five-predictions-2015/.

Члены руководства Citigroup…: Nav Athwal. The Disappearance of Peer-to-Peer Lending // Forbes. 2014. October 14. www.forbes.com/sites/groupthink/2014/10/14/the-disappearance-of-peer-to-peer-lending/.

С. 211 …инвестиционный фонд Wells Fargo…: Maureen Farrell. Wells Fargo Is a Big Winner in Lending Club IPO // Wall Street Journal. 2014. December 12. http://blogs.wsj.com/moneybeat/2014/12/12/wells-fargo-is-a-big-winner-in-lending-club-ipo/.

IPO Lending Club в декабре 2014 года было самым большим…: Jeremy Quittner. The 10 Biggest IPOs of 2014 // Inc. 2014. December 19. www.inc.com/jeremy-quittner/biggest-ipos-of-2014.html.

…собрал 870 миллионов…: Neha Dimri. Update 1 – Online Lender LendingClub Profit Beats Street as Fees Jump // Reuters. 2015. May 5. www.reuters.com/article/lendingclub-results-idUSL4N 0XW4HO20150505.

В соответствии с данными Forbes…: Athwal. Disappearance of Peer-To-Peer Lending.