1. 8R Program Risk Assessment and Management
EIGHTER (7 financial +1 operational risk factors) financial risk treatment software

2. STRUCTURE
PURPOSE – to provide what does not achieved by the large spread risk assessment programs
PATTERN – adequate recognition of the risk for specific project and its decision makers
PRACTICE – assessment for loan application and optimized management of decision making
METHODOLOGY – how to utilize the distinctive vital energy from the Multiverse here and now
BENEFITS – most friendly for operation that mean extremely complex algorithm, but cheesy
APPLICATIONS – visual perception, always more important more memorable than verbal 1

3. PURPOSE Explanation by Controversies
What Is Supplied and Used
What You Demand
Simple but true. By the available products for the PURPOSE, including those of the major banks and assurance corporations, the auditor assesses each risk factor alone for itself correctly, depending on the business environment at that time. The program sums and provides the average value of the level, and the respective points to be add to basic annual interest of the loan. That's it. All happy till Sep. 22, 2008, after series of small bankruptcies, when the bomb exploded ignorance and outdated expensive computer technologies in this dynamic world. Lemon Bros., the fourth-largest investment bank in the United States.
This program gives the following new options:
❶ Simple scoring by spin button control from 1 to 10 of eight (7+1) risk factors depending on the business environment at that time.
❷ With the scroll bar you define and enter ratio of the specific impact of each factor over exactly this very business (it could be different for other one).
❸ In all cases, the individual factors are not independent of one another and mutually influence each other. The eight factors are combined into two groups by similarity and geometric-algebra system computes the actual, real, level of the total risk. 2

4. PATTERN
For accuracy and completeness of the result, the risk assessment is carried out by three independent groups assessors – INSIDE, EXTERNAL and INDEPENDENT EVALUATION (the last depending on the results of the first two groups if their assessments differ significantly). The 8R-Program makes statistical analyses of all results, presented in 24 sub-matrixes, and computes the final total level of the risk.
Each risk assessment is computed by EIGHTER (7 financial + 1“o ” operational) risk factors—which are in direct interdependence with the others. “o ” factor is determined by the personal traits of the project decision maker(s), his Ego-material energy, in real, not extreme, working conditions. This is subject to application of biometric identification. His control is built on the two basic principles of cybernetics - hierarchical structure of the system production-cash flows and regulations with feedback from the exit of each level of the structure.

5. PRACTICE The best one is when the assessment it is directly related to the financial model of the project
Assessment
Management
Capital investment projects, and particularly for project finance.
❶ INVESTOR. To describe in figures what he desires to acquire from this investment—to see does his pre-design desire meets with the reality.
❷ The group of money providers—bank, insurance company, state export credit agency, angel investor, venture capitalist. They must make audit with quantitative financial risk assessment prior to take decision whether to extend their financial support for the investment project.
Well, you win the minds and hearts of group ② left. Now what? Will you reach the parameters of the business plan during the whole tenor of the debt? In this dynamic world of unpredictable events of interest? This is the product, the 8R-Program, that answers this question. Because much of the software performs the functions of recommendations for optimizing the operational management of the business venture. 4

6. METHODOLOGY
As basis on the choice of the concept of the program algorithm of the entry system for assessments and visualization of the process is used geometric graphic interpretation of the mental process of selection of numbers for the size of the abstract phenomenon by an individual evaluator. Chaospheres have 8 points – to discuss the order 90 degrees and chaos 45 degrees. This is the traditional Star of Ishtar. In the modern terminology it’s composed of two intertwined Cartesian polar coordinate systems to create an ultimately harmonious and balanced design. The same refers to the multiplicity risk and other objective factors and the possible management decisions, product of mind.
Without histori­cally determined and confirmed concentration of the spirit, it is not possible to be selected the most rational base model for optimal management of diversity and it to be for the benefit of all participants. This is a principle disadvantage of many such computer programs. 5

7. BENEFITS
The main advantage and benefit of it is: A friendly for operation Excel-based program file. In all business areas and all over the world has enough savvy people so they can share Excel. Even in the cafeteria, the subway from your mobile phone you can use it.
You’ve the chance to evaluate the personal traits of your colleagues (and bosses :). And to tell them where and when they’re wrong and, for what reason. After some time you can repеat it. Thus you’ll have a chart showing progress (God forbid be so!) of their behavior.
If you carefully and cleverly operate with the program and consult with us, you will never be surprised by events to fail your business.

8. APPLICATIONS
Two coordinates systems with a common center rotated on 45o each other, forming eight radiuses of a circle, known in Buddhist tradition the Wheel of Dracula and also called Eight Saturn Cycles of the Ratio → assessments the impact of the factors. →
←Similar double coordinates system with ← common center for assessment of the ← personality traits.
← Graphical representation of the results of management of risk factor “o ” after assessing of the become predictable events of interest as per Bayes’ theorem treatment by the program.
Operating matrix whereby the expert enters his risk assessments for all 8 factors — Scores by Spin Button,→ Ratio for respective impact over final level by Scroll Bar
←Graph of assessment history with consis-tent assessments after the selection of less risky options during the fiscal year of development project.

9. Thank you
Contact information
Senol Ali 46 A, Queens Ave., London N21 3JH, UK
Professional information
Equivalence Ltd. 32, L. Karavelov St., Sofia 1142 , Bulgaria
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