Credit Risk Management “From a drop of water a logician could infer the possibility of an Atlantic or a Niagara without having seen or heard of one or the other. So all life is a great chain, the nature of which is known whenever we are shown a single link of it. Like all others arts, the Science of Deduction and Analysis is one which can only be acquired by long and patient study; nor is life long enough to allow any mortal to attain the highest perfection in it.”      Sir Arthur Conan Doyle