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I would like to thank those who helped shape this book. When I started writing the book, I invited Bob Oliver to become a joint author with me. In the end it did not turn out to be possible, but our collaboration over several years was extremely influential in shaping my thoughts on the subject matter of the book. He brought a wealth of practical knowledge and a keen sense of mathematical rigour to our discussions and we often concluded a session around a white board having both learnt a great deal from the interchange. In particular, the definition of what is meant by a score and the ways it can be extended which are to be found in Sections 1.5 and 1.6, the “rate” model of the acceptance decision introduced in Section 1.7 but found thereafter throughout the book, and the ideas of the business objectives of lenders found in Section 1.3, all of which developed through many cross Atlantic revisions owe much to his insights. As we had both contributed to many early drafts of these sections, we agreed that it would be acceptable to republish portions of the first appearing text that would be relevant to a later publication. I am very grateful to him for his interaction with the project.
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