_:vb7810289	<http://purl.org/dc/terms/bibliographicCitation>	"2003, Margaret J. Miller, Credit Reporting Systems and the International Economy, page 198:"@en .
_:vb7810289	<http://www.w3.org/1999/02/22-rdf-syntax-ns#value>	"It may be possible that black information is a better predictor of default behavior as argued by Chandler and Parker (1989)."@en .