chore: import upstream snapshot with attribution

2026-07-13 13:33:56 +08:00
commit 461bf6fd40
1313 changed files with 1079898 additions and 0 deletions
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+Bank Good Credit Loan.pptx
+Performance-Audit-Discussion.pdf
@@ -0,0 +1,36 @@
+Bank Good Credit
+Accredited with IABACTM
+(International Association of Business Analytics Certifications) 
+IABAC International Association of 
+Business Analytics Certification
+DataMitesTM. All Right Reserved
+
+Objective & Background
+Classify credit card customers as good / bad, based on information from internal and external sources. 
+Data provided
+Demographic: Base file of with credit card history details. Only one record for every customer.
+Account: Contians data for various loans availed by the customer. Not related to credit card. Multiple records for every customer.
+Enquiries: Enquired made by customers for different loan purposes. Multiple records for every customer.
+DataMitesTM. All Right Reserved
+
+Design
+Data to be downloaded using SQL queries.
+Required information to be extracted from Account and Enquiry files and converted to one-to-one files.
+The columns from the two files should be merged with Demographic file using Left Join with customer no as key column, to create a final file. The final file should contain all the records in demographic and additional columns/features from Account and Enquiry files will get added to Demographic file.
+There will be many customers in account and enquiry file who will get left out. This is fine as we anyway dont know their good/bad label for training purpose. 
+DataMitesTM. All Right Reserved
+
+Analysis of Data
+Show using Excel File
+DataMitesTM. All Right Reserved
+
+Explain Coding / outcomes 
+Show using Jupyter
+DataMitesTM. All Right Reserved
+
+
+Thank You
+DataMitesTM. All Right Reserved
+
+
+
@@ -0,0 +1,205 @@
+Page 1
+The introductory chapter of Government Auditing Standards (GAGAS)1
+outlines five concepts describing how public officials are to provide
+functions and services: effectively, efficiently, economically, ethically, and 
+equitably. When planning, gathering and assessing evidence, and 
+reporting audit results, auditors may focus on one or more of these 
+concepts. The following discussion is intended to assist auditors when 
+developing audit objectives for performance audits of government 
+programs and activities.2
+This discussion is designed to help auditors understand
+and apply the concepts cited above for performance audits 
+conducted in accordance with GAGAS. This discussion
+does not contain requirements, does not amend GAGAS,
+and is not considered interpretive guidance, as defined in 
+chapter 2 of GAGAS. 
+Paragraph 1.02:
+The concept of accountability for use of public resources 
+and government authority is key to our nation’s governing 
+processes. Management and officials entrusted with public 
+resources are responsible for carrying out public functions 
+and providing service to the public effectively, efficiently, 
+economically, ethically, and equitably within the context 
+of the statutory boundaries of the specific government 
+program. [Emphasis added.]
+Paragraph 1.03:
+As reflected in applicable laws, regulations, agreements, 
+and standards, management and officials of government 
+programs are responsible for providing reliable, useful, and 
+timely information for transparency and accountability of 
+these programs and their operations. Legislators, oversight 
+ 1GAO, Government Auditing Standards: 2018 Revision, GAO-21-368G (Washington, 
+D.C.: April 2021)
+2The concepts cited may also be applicable to other GAGAS engagements, based on the 
+auditors’ judgments. This discussion is limited to considering these concepts in 
+performance audits.
+GAGAS Performance Audits: Discussion of 
+Concepts to Consider When Auditing Public 
+Functions and Services
+GAGAS Paragraphs
+Page 2
+bodies, those charged with governance, and the public 
+need to know whether (1) management and officials 
+manage government resources and use their authority 
+properly and in compliance with laws and regulations; (2) 
+government programs are achieving their objectives and 
+desired outcomes; and (3) government services are 
+provided effectively, efficiently, economically, ethically, 
+and equitably. [Emphasis added.]
+Government administration best serves the collective interest of the public 
+when it is effective, efficient, economical, ethical, and equitable. Auditors 
+help inform legislators, oversight bodies, those charged with governance, 
+and the public about whether public services are being provided 
+consistent with these concepts. Government auditing can contribute to 
+accountability and can help improve government administration by 
+identifying deficiencies and recommending enhancements to achieve 
+effective, efficient, economical, ethical, and equitable outcomes, when 
+appropriate within the context of the audit objectives. As such, it is 
+important for auditors to understand the concepts below as they relate to 
+administering government programs or activities and how they can 
+assess or address these expectations of government performance in 
+conducting their performance audits.
+The examples that follow the discussion of each concept illustrate the
+distinctions between these concepts. In a performance audit, it is 
+common practice to incorporate more than one of these concepts when 
+conducting the audit.
+The administration of a government program or activity is effective when 
+it achieves the intended results. A performance audit that focuses on the 
+effectiveness of a program or activity seeks to establish a cause-andeffect relationship between the operation of the program or activity and 
+achieving its stated objectives. Achieving the objectives does not 
+guarantee that the program or activity was effective unless the auditors 
+can establish that the program or activity caused, or contributed to, the 
+desired outcome.
+Example: In a performance audit examining how effective a 
+housing voucher program was in achieving its goal of improving 
+economic outcomes for recipients, auditors may determine 
+whether receiving housing vouchers led to better subsequent 
+economic outcomes for recipients than those of similarly situated 
+individuals who did not receive vouchers.
+Discussion
+Effective
+Page 3
+Example: In a performance audit assessing the effectiveness of 
+an after-school program targeted at helping students improve their 
+reading proficiency, auditors may examine the extent to which 
+participants’ reading levels improved relative to baseline data from 
+before they joined the program.
+The administration of a government program or activity is efficient when 
+it gets the most value from available resources. When a performance 
+audit focuses on efficiency, auditors examine whether the resources used 
+to administer a program or activity have been put to optimal or 
+satisfactory use, or whether the same or similar results could have been 
+achieved more timely or with fewer resources. 
+Example: In a performance audit assessing a disaster relief 
+agency’s mobilization of resources to respond to a disaster, 
+auditors may assess the disaster relief agency’s timeliness in 
+providing relief compared to its own previous performance or the 
+performance of other similarly situated agencies that have 
+responded to comparable disasters. 
+Example: In a performance audit assessing a consumer protection 
+agency’s response to consumer complaints, auditors may assess 
+whether the agency’s efforts to streamline its processes resulted 
+in improved timely resolution of complaints.
+Example: In a performance audit assessing the time a state needs
+to process unemployment benefits targeted at helping those in 
+need, auditors may assess how long the process takes from 
+receipt of the unemployment application to the applicant’s receipt 
+of the benefit, including steps such as verifying required 
+information.
+The administration of a government program or activity is economical
+when it minimizes the costs of resources used in performing its functions 
+while meeting timeliness and quality considerations for those resources. 
+When auditing economy, auditors primarily focus on the costs of inputs 
+rather than on the outcomes achieved.
+Example: In a performance audit examining an agency’s 
+international travel expenses, in addition to assessing the design 
+of internal controls and compliance with expense guidelines, 
+auditors may test whether, for a sample of trips, bookings of 
+Efficient
+Economical
+Page 4
+equivalent airline tickets and hotel rooms could be found at a 
+lower cost.
+Example: In a performance audit assessing an agency’s 
+acquisition practices, auditors may examine whether the agency’s 
+decisions regarding purchasing, leasing, or reimbursing 
+employees for the costs of acquiring various supplies or 
+equipment achieved the lowest cost while meeting applicable 
+requirements.
+The administration of a government program or activity is ethical when it 
+advances the collective interest of the public rather than private gain and 
+is conducted with honesty, integrity, and impartiality. Laws and 
+regulations often specify rules of ethical conduct. Therefore, audits 
+examining the ethical administration of a program or activity may involve
+assessing compliance with such laws and regulations. Fraud in 
+administering a government program or activity betrays the public trust 
+and is, by definition, unethical. In addition, auditors may identify instances 
+of unethical conduct that result in waste and abuse during testing of 
+internal controls as part of a performance audit.
+Example: In a performance audit assessing agency officials’ 
+compliance with conflict-of-interest requirements, auditors may 
+compare a sample of financial disclosure reports filed against 
+requirements in statute or regulation.
+Example: In a performance audit assessing potential regulatory 
+capture related to a particular industry, auditors may assess the 
+extent to which the regulatory agency has sufficient controls to 
+reasonably assure its employees’ independence from the entities 
+subject to the agency’s regulation.
+Example: In a performance audit assessing an office’s policies 
+and procedures for purchase cards, auditors’ testing of the 
+program’s controls to identify deficiencies may identify fraud,
+waste, or abuse in its administration. 
+The administration of a government program or activity is equitable when 
+it consistently serves members of the public, distributes public services, 
+and implements public policy in a manner that promotes fairness, justice, 
+and equality. Auditing whether the administration of a government 
+program or activity is equitable may include assessing the 
+Ethical
+Equitable
+Page 5
+• equality of access to and provision of services;
+• procedural fairness and equal treatment of individuals in 
+government programs and policies;
+• causes of disparate outcomes;
+• or distributional impacts of public policies, programs, resources, 
+and services.
+Disaggregating data by social groups or communities that share a 
+particular characteristic (e.g., gender, race, ethnicity, age, or income) 
+can help illuminate differences. Reporting on such differences, when 
+appropriate within the context of the audit objectives, can increase 
+understanding of the effects of policies and programs on issues of 
+equity.
+Example: In a performance audit assessing the granting of 
+waivers from particular requirements, auditors may use 
+disaggregated data about waiver recipients to assess whether 
+different groups or communities were treated fairly and equally in 
+the process.
+Example: In a performance audit assessing a grant program 
+aimed at expanding internet access, auditors may assess the 
+extent to which formulas, criteria, or other factors (such as 
+matching funds or capital requirements) considered in the 
+distribution of grant funds may be to the specific advantage or
+disadvantage of certain groups, regions, or communities, thereby 
+causing inequities.
+Example: In a performance audit assessing scholarship outcomes 
+in higher education programs, auditors may report on the 
+distribution of scholarships by race, gender identity, and income to 
+illuminate potential disparities among scholarship recipients.
+These concepts may overlap. For example, efficiency may also be a 
+component of effectiveness. Similarly, when appropriate within the 
+context of the program and audit objectives, auditors may disaggregate
+the results of performance audits that focus on efficiency or effectiveness 
+Page 6
+issues to illuminate inequities in program administration or in distribution 
+of public services. 
+While all of these concepts are important to administering government 
+programs responsibly, it is up to the professional judgment of the auditors 
+to determine the specific concepts that are relevant in conducting the 
+performance audit and reporting the results. Auditors’ professional 
+judgments are informed by, among other things, the needs of the users of 
+the audit reports; the nature, context, and objectives of the program or 
+activity under audit; and the public interest.
+To view the current Yellow Book, visit https://www.gao.gov/yellowbook.
+For technical assistance, call (202) 512-9535 or email 
+yellowbook@gao.gov. 
+For More Information
@@ -0,0 +1,164 @@
+Code	Symbol	Name
+AED	.	United Arab Emirates d
+AFN		Afghan afghani
+ALL	L	Albanian lek
+AMD	AMD	Armenian dram
+ANG		Netherlands Antillean gu
+AOA	Kz	Angolan kwanza
+ARS	$	Argentine peso
+AUD	$	Australian dollar
+AWG	Afl.	Aruban florin
+AZN	AZN	Azerbaijani manat
+BAM	KM	Bosnia and Herzegovina
+BBD	$	Barbadian dollar
+BDT		Bangladeshi taka
+BGN	.	Bulgarian lev
+BHD	..	Bahraini dinar
+BIF	Fr	Burundian franc
+BMD	$	Bermudian dollar
+BND	$	Brunei dollar
+BOB	Bs.	Bolivian boliviano
+BRL	R$	Brazilian real
+BSD	$	Bahamian dollar
+BTC		Bitcoin
+BTN	Nu.	Bhutanese ngultrum
+BWP	P	Botswana pula
+BYR	Br	Belarusian ruble (old)'
+BYN	Br	Belarusian ruble
+BZD	$	Belize dollar
+CAD	$	Canadian dollar
+CDF	Fr	Congolese franc
+CHF	CHF	Swiss franc
+CLP	$	Chilean peso
+CNY		Chinese yuan
+COP	$	Colombian peso
+CRC		Costa Rican coln
+CUC	$	Cuban convertible peso')
+CUP	$	Cuban peso
+CVE	$	Cape Verdean escudo
+CZK	K	Czech koruna
+DJF	Fr	Djiboutian franc
+DKK	DKK	Danish krone
+DOP	RD$	Dominican peso
+DZD	.	Algerian dinar
+EGP	EGP	Egyptian pound
+ERN	Nfk	Eritrean nakfa
+ETB	Br	Ethiopian birr
+EUR		Euro
+FJD	$	Fijian dollar
+FKP		Falkland Islands pound')
+GBP		Pound sterling
+GEL		Georgian lari
+GGP		Guernsey pound
+GHS		Ghana cedi
+GIP		Gibraltar pound
+GMD	D	Gambian dalasi
+GNF	Fr	Guinean franc
+GTQ	Q	Guatemalan quetzal
+GYD	$	Guyanese dollar
+HKD	$	Hong Kong dollar
+HNL	L	Honduran lempira
+HRK	kn	Croatian kuna
+HTG	G	Haitian gourde
+HUF	Ft	Hungarian forint
+IDR	Rp	Indonesian rupiah
+ILS		Israeli new shekel
+IMP		Manx pound
+INR		Indian rupee
+IQD	.	Iraqi dinar
+IRR		Iranian rial
+IRT		Iranian toman
+ISK	kr.	Icelandic krna
+JEP		Jersey pound
+JMD	$	Jamaican dollar
+JOD	.	Jordanian dinar
+JPY		Japanese yen
+KES	KSh	Kenyan shilling
+KGS		Kyrgyzstani som
+KHR		Cambodian riel
+KMF	Fr	Comorian franc
+KPW		North Korean won
+KRW		South Korean won
+KWD	.	Kuwaiti dinar
+KYD	$	Cayman Islands dollar
+KZT		Kazakhstani tenge
+LAK		Lao kip
+LBP	.	Lebanese pound
+LKR		Sri Lankan rupee
+LRD	$	Liberian dollar
+LSL	L	Lesotho loti
+LYD	.	Libyan dinar
+MAD	..	Moroccan dirham
+MDL	MDL	Moldovan leu
+MGA	Ar	Malagasy ariary
+MKD		Macedonian denar
+MMK	Ks	Burmese kyat
+MNT		Mongolian tgrg
+MOP	P	Macanese pataca
+MRU	UM	Mauritanian ouguiya
+MUR		Mauritian rupee
+MVR	.	Maldivian rufiyaa
+MWK	MK	Malawian kwacha
+MXN	$	Mexican peso
+MYR	RM	Malaysian ringgit
+MZN	MT	Mozambican metical
+NAD	N$	Namibian dollar
+NGN		Nigerian naira
+NIO	C$	Nicaraguan crdoba
+NOK	kr	Norwegian krone
+NPR		Nepalese rupee
+NZD	$	New Zealand dollar
+OMR	..	Omani rial
+PAB	B/.	Panamanian balboa
+PEN	S/	Sol
+PGK	K	Papua New Guinean kina')
+PHP		Philippine peso
+PKR		Pakistani rupee
+PLN	z	Polish zoty
+PRB	.	Transnistrian ruble
+PYG		Paraguayan guaran
+QAR	.	Qatari riyal
+RON	lei	Romanian leu
+RSD		Serbian dinar
+RUB		Russian ruble
+RWF	Fr	Rwandan franc
+SAR	.	Saudi riyal
+SBD	$	Solomon Islands dollar')
+SCR		Seychellois rupee
+SDG	..	Sudanese pound
+SEK	kr	Swedish krona
+SGD	$	Singapore dollar
+SHP		Saint Helena pound
+SLL	Le	Sierra Leonean leone
+SOS	Sh	Somali shilling
+SRD	$	Surinamese dollar
+SSP		South Sudanese pound
+STN	Db	So Tom and Prncipe d
+SYP	.	Syrian pound
+SZL	L	Swazi lilangeni
+THB		Thai baht
+TJS		Tajikistani somoni
+TMT	m	Turkmenistan manat
+TND	.	Tunisian dinar
+TOP	T$	Tongan paanga
+TRY		Turkish lira
+TTD	$	Trinidad and Tobago doll
+TWD	NT$	New Taiwan dollar
+TZS	Sh	Tanzanian shilling
+UAH		Ukrainian hryvnia
+UGX	UGX	Ugandan shilling
+USD	$	United States (US) dolla
+UYU	$	Uruguayan peso
+UZS	UZS	Uzbekistani som
+VEF	Bs F	Venezuelan bolvar
+VES	Bs.S	Bolvar soberano
+VND		Vietnamese ng
+VUV	Vt	Vanuatu vatu
+WST	T	Samoan tl
+XAF	CFA	Central African CFA fr
+XCD	$	East Caribbean dollar
+XOF	CFA	West African CFA franc
+XPF	Fr	CFP franc
+YER		Yemeni rial
+ZAR	R	South African rand
+ZMW	ZK	Zambian kwacha
@@ -0,0 +1,812 @@
+[
+    {
+        "type": "Header",
+        "text": "I. General Department"
+    },
+    {
+        "type": "Title",
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+    },
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+            "languages": [
+                "eng"
+            ],
+            "page_number": 2
+        },
+        "text": "Account: Contians data for various loans availed by the customer. Not related to credit card. Multiple records for every customer."
+    },
+    {
+        "type": "ListItem",
+        "element_id": "be3fc5cb3da83e6c22d1906330ee9f96",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "5eb6ec96e6a3493c1ae56747ae457b7f",
+            "category_depth": 2,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 2
+        },
+        "text": "Enquiries: Enquired made by customers for different loan purposes. Multiple records for every customer.\t"
+    },
+    {
+        "type": "Title",
+        "element_id": "b952b3e6d0e34020f1f48b5d9243d0a4",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "2dc308bd8d3a5c745dfacc3bdccd81db",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 2
+        },
+        "text": "\u00a9 DataMites\u2122. All Rights Reserved | www.datamites.com"
+    },
+    {
+        "type": "Title",
+        "element_id": "0072e6b934945d5ba08f9729e0084739",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "category_depth": 0,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 3
+        },
+        "text": "Design"
+    },
+    {
+        "type": "ListItem",
+        "element_id": "af14c0ecaaa7ac1d2bca5cdfbcc32ec7",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "0072e6b934945d5ba08f9729e0084739",
+            "category_depth": 0,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 3
+        },
+        "text": "Data to be downloaded using SQL queries."
+    },
+    {
+        "type": "ListItem",
+        "element_id": "51d8e67259ab8a11d2fdfc5cb9bcf45e",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "0072e6b934945d5ba08f9729e0084739",
+            "category_depth": 0,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 3
+        },
+        "text": "Required information to be extracted from Account and Enquiry files and converted to one-to-one files."
+    },
+    {
+        "type": "ListItem",
+        "element_id": "6165e3bc219556f6ec397adc7240386b",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "0072e6b934945d5ba08f9729e0084739",
+            "category_depth": 0,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 3
+        },
+        "text": "The columns from the two files should be merged with Demographic file using Left Join with \u201ccustomer no\u201d as key column, to create a final file. The final file should contain all the records in demographic and additional columns/features from Account and Enquiry files will get added to Demographic file."
+    },
+    {
+        "type": "ListItem",
+        "element_id": "31930936fc3bad2175b05e324e9923e4",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "0072e6b934945d5ba08f9729e0084739",
+            "category_depth": 0,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 3
+        },
+        "text": "There will be many customers in account and enquiry file who will get left out. This is fine as we anyway don\u2019t know their good/bad label for training purpose. "
+    },
+    {
+        "type": "Title",
+        "element_id": "b952b3e6d0e34020f1f48b5d9243d0a4",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "0072e6b934945d5ba08f9729e0084739",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 3
+        },
+        "text": "\u00a9 DataMites\u2122. All Rights Reserved | www.datamites.com"
+    },
+    {
+        "type": "Title",
+        "element_id": "ed83647ab77addbea9e4dca5f7d8f216",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "category_depth": 0,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 4
+        },
+        "text": "Analysis of Data"
+    },
+    {
+        "type": "ListItem",
+        "element_id": "d936f750c577a228ebabd9ed2cec9a70",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "ed83647ab77addbea9e4dca5f7d8f216",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 4
+        },
+        "text": "Show using Excel File"
+    },
+    {
+        "type": "Title",
+        "element_id": "b952b3e6d0e34020f1f48b5d9243d0a4",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "ed83647ab77addbea9e4dca5f7d8f216",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 4
+        },
+        "text": "\u00a9 DataMites\u2122. All Rights Reserved | www.datamites.com"
+    },
+    {
+        "type": "Title",
+        "element_id": "7207da66fd1c6771ee1a5705dc41c0c7",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "category_depth": 0,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 5
+        },
+        "text": "Explain Coding / outcomes "
+    },
+    {
+        "type": "ListItem",
+        "element_id": "815ef1753a8bcb1ce21d59819bdc6834",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "7207da66fd1c6771ee1a5705dc41c0c7",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 5
+        },
+        "text": "Show using Jupyter"
+    },
+    {
+        "type": "Title",
+        "element_id": "b952b3e6d0e34020f1f48b5d9243d0a4",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "7207da66fd1c6771ee1a5705dc41c0c7",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 5
+        },
+        "text": "\u00a9 DataMites\u2122. All Rights Reserved | www.datamites.com"
+    },
+    {
+        "type": "Title",
+        "element_id": "2034ce6155036f8a009ef33985209e88",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "7207da66fd1c6771ee1a5705dc41c0c7",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 6
+        },
+        "text": "Thank You"
+    },
+    {
+        "type": "Title",
+        "element_id": "b952b3e6d0e34020f1f48b5d9243d0a4",
+        "metadata": {
+            "filename": "Bank Good Credit Loan.pptx",
+            "file_directory": "tmpdocs",
+            "last_modified": "2023-11-02T15:16:14",
+            "filetype": "application/vnd.openxmlformats-officedocument.presentationml.presentation",
+            "parent_id": "7207da66fd1c6771ee1a5705dc41c0c7",
+            "category_depth": 1,
+            "languages": [
+                "eng"
+            ],
+            "page_number": 6
+        },
+        "text": "\u00a9 DataMites\u2122. All Rights Reserved | www.datamites.com"
+    }
+]
@@ -0,0 +1,149 @@
+[
+    {
+        "type": "FormKeysValues",
+        "element_id": "MOCK_FORM_ID",
+        "text": "",
+        "metadata": {
+            "coordinates": {
+                "points": [
+                    [
+                        35.15625,
+                        95.556640625
+                    ],
+                    [
+                        710.357666015625,
+                        95.556640625
+                    ],
+                    [
+                        710.357666015625,
+                        887.890625
+                    ],
+                    [
+                        35.15625,
+                        887.890625
+                    ]
+                ],
+                "system": "PixelSpace",
+                "layout_width": 754,
+                "layout_height": 1000
+            },
+            "page_number": 1,
+            "key_value_pairs": [
+                {
+                    "key": {
+                        "text": "MOCK KEY",
+                        "custom_element": {
+                            "type": "UncategorizedText",
+                            "element_id": "MOCK_KEY_ID_1",
+                            "text": "MOCK KEY",
+                            "metadata": {
+                                "coordinates": {
+                                    "points": [
+                                        [
+                                            503.271484375,
+                                            96.3897705078125
+                                        ],
+                                        [
+                                            503.271484375,
+                                            107.5164794921875
+                                        ],
+                                        [
+                                            606.103515625,
+                                            107.5164794921875
+                                        ],
+                                        [
+                                            606.103515625,
+                                            96.3897705078125
+                                        ]
+                                    ],
+                                    "system": "PixelSpace",
+                                    "layout_width": 754,
+                                    "layout_height": 1000
+                                },
+                                "page_number": 1
+                            }
+                        },
+                        "layout_element_id": null
+                    },
+                    "value": {
+                        "text": "MOCK VALUE",
+                        "custom_element": {
+                            "type": "UncategorizedText",
+                            "element_id": "MOCK_VALUE_ID",
+                            "text": "MOCK VALUE",
+                            "metadata": {
+                                "coordinates": {
+                                    "points": [
+                                        [
+                                            557.568359375,
+                                            124.8626708984375
+                                        ],
+                                        [
+                                            557.568359375,
+                                            136.6607666015625
+                                        ],
+                                        [
+                                            595.556640625,
+                                            136.6607666015625
+                                        ],
+                                        [
+                                            595.556640625,
+                                            124.8626708984375
+                                        ]
+                                    ],
+                                    "system": "PixelSpace",
+                                    "layout_width": 754,
+                                    "layout_height": 1000
+                                },
+                                "page_number": 1
+                            }
+                        },
+                        "layout_element_id": null
+                    },
+                    "confidence": 0.0
+                },
+                {
+                    "key": {
+                        "text": "MOCK KEY 2",
+                        "custom_element": {
+                            "type": "UncategorizedText",
+                            "element_id": "MOCK_KEY_ID_2",
+                            "text": "MOCK KEY 2",
+                            "metadata": {
+                                "coordinates": {
+                                    "points": [
+                                        [
+                                            428.52783203125,
+                                            124.0478515625
+                                        ],
+                                        [
+                                            428.52783203125,
+                                            136.6943359375
+                                        ],
+                                        [
+                                            473.81591796875,
+                                            136.6943359375
+                                        ],
+                                        [
+                                            473.81591796875,
+                                            124.0478515625
+                                        ]
+                                    ],
+                                    "system": "PixelSpace",
+                                    "layout_width": 754,
+                                    "layout_height": 1000
+                                },
+                                "page_number": 1
+                            }
+                        },
+                        "layout_element_id": null
+                    },
+                    "value": null,
+                    "confidence": 0.0
+                }
+            ],
+            "file_directory": "dataset/testing_data/images",
+            "filename": "MOCK.png"
+        }
+    }
+]
@@ -0,0 +1,25 @@
+Bank Good Credit 
+Accredited with IABAC™
+( International Association of Business Analytics Certifications)`
+© DataMites™. All Rights Reserved | www.datamites.com
+Objective & Background
+Classify credit card customers as good / bad, based on information from internal and external sources. 
+Data provided
+Demographic: Base file of with credit card history details. Only one record for every customer.
+Account: Contians data for various loans availed by the customer. Not related to credit card. Multiple records for every customer.
+Enquiries: Enquired made by customers for different loan purposes. Multiple records for every customer.	
+© DataMites™. All Rights Reserved | www.datamites.com
+Design
+Data to be downloaded using SQL queries.
+Required information to be extracted from Account and Enquiry files and converted to one-to-one files.
+The columns from the two files should be merged with Demographic file using Left Join with “customer no” as key column, to create a final file. The final file should contain all the records in demographic and additional columns/features from Account and Enquiry files will get added to Demographic file.
+There will be many customers in account and enquiry file who will get left out. This is fine as we anyway don’t know their good/bad label for training purpose. 
+© DataMites™. All Rights Reserved | www.datamites.com
+Analysis of Data
+Show using Excel File
+© DataMites™. All Rights Reserved | www.datamites.com
+Explain Coding / outcomes 
+Show using Jupyter
+© DataMites™. All Rights Reserved | www.datamites.com
+Thank You
+© DataMites™. All Rights Reserved | www.datamites.com
@@ -0,0 +1,82 @@
+a
+Department of the Treasury Internal Revenue Service
+Instructions for Form 3115
+(Rev. November 1987)
+Application for Change in Accounting Method
+(Section references are to the Internal Revenue Code unless otherwise noted.)
+Paperwork Reduction Act Notice
+We ask for this information to carry out the Internal Revenue laws of the United States. We need it to ensure that taxpayers are complying with these laws and to allow us to figure and collect the right amount of tax. You are required to give us this information.
+General Instructions
+Purpose of Form
+File this form to request a change in your accounting method, including the accounting treatment of any item. If you are requesting a change in accounting period, use Form 1128, Application for Change in Accounting Period. For more information, see Publication 538, Accounting Periods and Methods.
+When filing Form 3115, taxpayers are reminded to determine if IRS has published a ruling or procedure dealing with the specific type of change since November 1987 (the current revision date of Form 3115).
+Generally, applicants must complete Section A. In addition, complete the appropriate sections (B-1 through H) for which a change Is desired.
+You must give all relevant facts, including a detailed description of your present and proposed methods. You must also state the reason(s) you believe approval to make the requested change should be granted. Attach additional pages if more space is needed for explanations. Each page should show your name, address, and identifying number.
+State whether you desire a conference in the National Office if the Service proposes to disapprove your application.
+Changes to Accounting Methods Required Under the Tax Reform Act of 1986
+Uniform capitalization rules and limitation on cash method.—If you are required to change your method of accounting under section,263A (relating to the capitalization and inclusion in inventory costs of certain expenses) or 448 (limiting the use of the cash method of accounting by certain taxpayers) as added by the Tax Reform Act of 1986 (“Act”), the change is treated as initiated by the taxpayer, approved by the Commissioner, and the period for taking the adjustments under section 481(a) into account will not exceed 4 years. (Hospitals required to change from the cash method under section 448 have 10 years to take the adjustrnents into account.) Complete Section A and the appropriate sections (B-1 or C and D) for which the change is required.
+Disregard the instructions under Time and Place for Filing and Late Applications. Instead, attach Form 3115 to your income tax return for the year of change; do not file it separately. Also include on a separate statement accompanying the Form 3115 the period over which the section 481(a) adjustment will be taken into account and the basis for that conclusion. Identify the automatic change being made at the top of page 1 of Form 3115 (e.g., “Automatic Change to Accrual Method—Section 448”). See Temporary Regulations sections 1.263A-1T and 1.448-1T for additional information.
+Long-term contracts. —If you are required to change your method of accounting for long-term contracts under section 460, see Notice 87-61 (9/21/87), 1987-38 IRB 40, for the notification procedures that must be followed.
+Other methods.—Unless the Service has published a regulation or procedure to the contrary, all other changes !n accounting methods required by the Act are automatically considered to be approved by the Commissioner. Examples of method changes automatically approved by the Commissioner are those changes required to effect: (1) the repeal of the reserve method for bad debts of taxpayers other than financial institutions (Act section 805); (2) the repeal of the installment method for sales under a revolving credit plan (Act section 812); (3) the Inclusion of income attributable to the sale or furnishing of utility services no later than the year In which the services were provided to customers (Act section 821); and (4) the repeal of the deduction for qualified discount coupons (Act section 823). Do not file Form 3115 for these changes.
+Time and Place for Filing
+Generally, applicants must file this form within the first 180 days of the tax year in which it is desired to make the change.
+Taxpayers, other than exempt organizations, should file Form 3115 with the Commissioner of Internal Revenue, Attention: CC:C:4, 1111 Constitution Avenue, NW, Washington, DC 20224, Exempt organizations should file with the Assistant Commissioner (Employee Plans and Exempt Organizations), 1111 Constitution Avenue, NW, Washington, DC 20224.
+You should normally receive an acknowledgment of receipt of your application within 30 days. If you do not hear from IRS within 30 days of submitting your completed Form 3115, you may inquire as to the receipt of your application by writing to: Control Clerk, CC:C:4, Internal Revenue Service, Room 5040, 1111 Constitution Avenue, NW, Washington, DC 20224.
+See section 5.03 of Rev. Proc. 84-74 for filing an early application. Note: /f this form is being filed in accordance with Rev. Proc. 74-11, see Section G below.
+Late Applications
+If your application is filed after the 180-day period, it 1s late. The application will be considered for processing only upon a showing of “good cause” and if it can be shown to the satisfaction of the Commissioner that granting you an extension will not jeopardize the Government's interests. For further information, see Rev, Proc. 79-63.
+Identifying Number
+Individuals.—An individual should enter his or her social security number in this block. If the application is made on behalf of a husband and wife who file their income tax return jointly, enter the social security numbers of both. Others.-—The employer identification number of
+an applicant other than an individual should be entered in this block.
+Signature
+Individuals. —An individual desiring the change should sign the application. If the application pertains to a husband and wife filing a joint income tax return, the names of both should appear in the heading and both should sign.
+Partnerships.—The form should be signed with the partnership name followed by the signature of one of the general partners and the words “General Partner.”
+Corporations, cooperatives, and insurance companies.—The form should show the name of the corporation, cooperative, or insurance company and the signature of the president, vice president, treasurer, assistant treasurer, or chief accounting officer (such as tax officer) authorized to sign, and his or her official title. Receivers, trustees, or assignees must sign any application they are required to file. For a subsidiary corporation filing a consolidated return with its parent, the form should be signed by an officer of the parent corporation.
+Fiduciaries.—The-form should show the name of the estate or trust and be signed by the fiduciary, personal representative, executor, executrix, administrator, administratrix, etc., having legal authority to sign, and his or her title.
+Preparer other than partner, officer, etc.—The signature of the individual preparing the application should appear in the space provided on page 6.
+If the individual or firm is also authorized to represent the applicant before the IRS, receive a copy of the requested ruling, or perform any other act(s), the power of attorney must reflect such authorization(s).
+Affiliated Groups
+Taxpayers that are members of an affiliated group filing a consolidated return that seeks to change to the same accounting method for more than one member of the group must file a separate Form 3115 for each such member,
+Specific Instructions Section A
+Item 5a, page 1.—“Taxable income or (loss) from operations” is to be entered before application of any net operating loss deduction under section 172(a).
+Item 6, page 2.—The term “gross receipts” includes total sales (net of returns and allowances) and all amounts received for services. In addition, gross receipts include any income from investments and from incidental or outside sources (e.g., interest, dividends, rents, royalties, and annuities). However, if you are a resaler of personal property, exclude from gross receipts any amounts not derived in the ordinary course of a trade or business. Gross receipts do not include amounts received for sales taxes if, under the applicable state or local law, the tax is legally imposed on the purchaser of the good or service, and the taxpayer merely collects and remits the tax to the taxing authority.
+Item 7b, page 2.—If item 7b 1s “Yes,” indicate on a separate sheet the following for each separate trade or business: Nature of business
+(manufacturing, retailer, wholesaler, etc.), employer identification number, overall method of accounting, and whether, in the last 6 years, that business has changed its accounting method, or is also changing its accounting method as part of this request or as a separate request.
+Item 11, page 2.—If you cannot provide the requested information, you may sign a statement under penalties of perjury that:
+(1) Gives your best estimate of the percentage of the section 481(a) adjustment that would have been required if the requested change had been made for each of the 3 preceding years; and
+(2) Explains in detail why you cannot provide the requested information.
+See section 5.06(2) of Rev. Proc. 84-74 for the required perjury statement that must be attached.
+If IRS later examines your return for the year of the change or for later years, it has the right to verify your statement at that time.
+Item 13, page 2.—Insert the actual number of tax years. Use of the term “since inception” is not acceptable. However, “more than 6 years” Is acceptable.
+Section B-1
+Item 1b, page 2.—Include any amounts reported as income ina prior year although the income had not been accrued (earned) or received in the prior year; for example, discount on installment loans reported as income for the year in which the loans were made instead of for the year or years in which the income was received or earned. Advance payments under Rev. Proc. 71-21 or Regulations section 1.451-5 must be fully explained and all pertinent information must be submitted with this application.
+Sections B-2 and B-3
+Limitation on the Use of the Cash Method of Accounting. —Except as provided below, C corporations, partnerships with a C corporation as a partner, and tax shelters may not use the cash method of accounting. For purposes of this limitation, a trust subject to the tax on unrelated business income under section 511 1s treated as aC corporation with respect to its unrelated trade or business activities.
+The limitation on the use of the cash method (except for tax shelters) does not apply to—
+(1) Farming businesses.—F or this purpose, the term “farming business” 1s defined in section 263A(e)(4), but it also includes the raising, harvesting, or growing of trees to which section 263A(c)(5) applies. Notwithstanding this exception, section 447 requires certain C corporations and partnerships with a C corporation as a partner to use the accrual method.
+(2) Qualified personal service corporations. — A “qualified personal service corporation” is any corporation: (a) substantially all of the activities of which involve the performance of services in the fields of health, law, engineering, architecture, accounting, actuarial science, performing arts, or consulting, and (b)
+Page 2
+substantially all of the stock of which is owned by employees performing the services, retired employees who had performed the services, any estate of any individual who had performed the services listed above, or any person who acquired stock of the corporation as a result of the death of an employee or retiree described above if the acquisition occurred within 2 years of death.
+(3) Entities with gross receipts of $5,000,000 or less.—To qualify for this exception, the C corporation's or partnership’s annual average gross receipts for the three years ending with the prior tax year may not exceed $5,000,000. If the corporation or partnership was not in existence for the entire 3-year period, the period of existence is used to determine whether the corporation or partnership qualifies. If any tax year in the 3-year period is a short tax year, the corporation or partnership must annualize the gross receipts by multiplying the gross receipts by 12 and dividing the result by the number of months in the short period.
+For more information, see section 448 and Temporary Regulations section 1.448-1T.
+Section C
+Applicants must give complete details about the present method of valuing inventory and the proposed method. State whether all or part of your inventory ts involved in the change.
+Inventories of retail merchants.—The retail method of pricing inventories does not contemplate valuation of goods at the retail selling price. The retail selling price of goods on hand must be reduced to approximate cost or cost or market, whichever Is lower, by the adjustments required in Regulations section 1.471-8.
+LIFO inventory changes.—Attach a schedule with all the required computations when changing the method of figuring LIFO inventories. If you are changing from LIFO to a non-LIFO method, attach a schedule with the following additional information:
+(1) The specific types and classes of goods in the LIFO inventories involved in the proposed changes and the comparative value of such Inventories as of the end of the tax year preceding the year of change determined by: (a) the LIFO method, and (b) the proposed method and basis (such as FIFO cost or lower of cost or market).
+(2) State whether the proposed identification and valuation methods conform to the inventory method currently used with respect to non-LIFO Inventories, if any, or how such method is otherwise consistent with Regulations section 1.4726.
+(3) The termination event statement required by section 5.10 of Rev. Proc. 84-74 and an explanation if there has been a termination event.
+Section D
+Applicants requesting to change their method of valuing property produced, property acquired for resale, or long-term contracts under section 263A or 460 MUST complete section D showing the treatment under both the present and proposed methods.
+% U.S. Government Printing Office: 1987—201-993/60166
+Section E
+Section 460(f) provides that the term “long-term contract” means any contract for the manufacturing, building, installation, or construction of property that is not completed within the tax year in which it 1s entered into. However, a manufacturing contract will not qualify as a long-term contract unless the contract involves the manufacture of: (1) a unique item not normally included in your finished goods inventory, or (2) any item that normally requires more than 12 calendar months to complete.
+All long-term contracts entered into after February 28, 1986, except for real property construction contracts expected to be completed within 2 years by contractors whose average annual gross receipts for the 3 prior tax years do not exceed $10,000,000, must be accounted for using either the percentage of completion- capitalized cost method or the percentage of completion method. See section 460.
+Caution: At the time these instructions were printed, Congress was considering legislation that would repeal the use of the percentage of completion-capitalized cost method for certain long-term contracts.
+Section G
+This section Is to be used only to request a change in a method of accounting for depreciation under section 167.
+Rev. Proc. 74-11 provides a procedure whereby applicants are considered to have obtained the consent of the Commissioner to change their method of accounting for depreciation. You must file Form 3115 with the Service Center where your return will be filed within the first 180 days of the tax year in which it is desired to make the change. Attach a copy of the form to the income tax return for the tax year of the change.
+Note: Do not use Form 3115 to make an election under section 168. Such an election may be made only on the tax return for the year in which the property 1s placed in service. In addition, Form 3115 is not to be used to request approval to revoke an election made under section 168. Such a request must be made in accordance with Rev. Proc. 87-1 (updated annually).
+Section H
+Generally, this section should be used for requesting changes In a method of accounting for which provision has not been made elsewhere on this form. Attach additional pages if more space ts needed for a full explanation of the present method used and the proposed change requested.
+lf you are making an election under section 458, show the applicable information under Regulations section 1.458-10.
@@ -0,0 +1,55 @@
+GAGAS Performance Audits: Discussion of Concepts to Consider When Auditing Public Functions and Services
+The introductory chapter of Government Auditing Standards (GAGAS)1 outlines five concepts describing how public officials are to provide functions and services: effectively, efficiently, economically, ethically, and equitably. When planning, gathering and assessing evidence, and reporting audit results, auditors may focus on one or more of these concepts. The following discussion is intended to assist auditors when developing audit objectives for performance audits of government programs and activities.2
+This discussion is designed to help auditors understand and apply the concepts cited above for performance audits conducted in accordance with GAGAS. This discussion does not contain requirements, does not amend GAGAS, and is not considered interpretive guidance, as defined in chapter 2 of GAGAS.
+GAGAS Paragraphs
+Paragraph 1.02:
+The concept of accountability for use of public resources and government authority is key to our nation’s governing processes. Management and officials entrusted with public resources are responsible for carrying out public functions and providing service to the public effectively, efficiently, economically, ethically, and equitably within the context of the statutory boundaries of the specific government program. [Emphasis added.]
+Paragraph 1.03:
+As reflected in applicable laws, regulations, agreements, and standards, management and officials of government programs are responsible for providing reliable, useful, and timely information for transparency and accountability of these programs and their operations. Legislators, oversight
+1GAO, Government Auditing Standards: 2018 Revision, GAO-21-368G (Washington, D.C.: April 2021)
+2The concepts cited may also be applicable to other GAGAS engagements, based on the auditors’ judgments. This discussion is limited to considering these concepts in performance audits.
+Page 1
+Discussion
+Effective
+bodies, those charged with governance, and the public need to know whether (1) management and officials manage government resources and use their authority properly and in compliance with laws and regulations; (2) government programs are achieving their objectives and desired outcomes; and (3) government services are provided effectively, efficiently, economically, ethically, and equitably. [Emphasis added.]
+Government administration best serves the collective interest of the public when it is effective, efficient, economical, ethical, and equitable. Auditors help inform legislators, oversight bodies, those charged with governance, and the public about whether public services are being provided consistent with these concepts. Government auditing can contribute to accountability and can help improve government administration by identifying deficiencies and recommending enhancements to achieve effective, efficient, economical, ethical, and equitable outcomes, when appropriate within the context of the audit objectives. As such, it is important for auditors to understand the concepts below as they relate to administering government programs or activities and how they can assess or address these expectations of government performance in conducting their performance audits.
+The examples that follow the discussion of each concept illustrate the distinctions between these concepts. In a performance audit, it is common practice to incorporate more than one of these concepts when conducting the audit.
+The administration of a government program or activity is effective when it achieves the intended results. A performance audit that focuses on the effectiveness of a program or activity seeks to establish a cause-and- effect relationship between the operation of the program or activity and achieving its stated objectives. Achieving the objectives does not guarantee that the program or activity was effective unless the auditors can establish that the program or activity caused, or contributed to, the desired outcome.
+Example: In a performance audit examining how effective a housing voucher program was in achieving its goal of improving economic outcomes for recipients, auditors may determine whether receiving housing vouchers led to better subsequent economic outcomes for recipients than those of similarly situated individuals who did not receive vouchers.
+Page 2
+Efficient
+Economical
+Example: In a performance audit assessing the effectiveness of an after-school program targeted at helping students improve their reading proficiency, auditors may examine the extent to which participants’ reading levels improved relative to baseline data from before they joined the program.
+The administration of a government program or activity is efficient when it gets the most value from available resources. When a performance audit focuses on efficiency, auditors examine whether the resources used to administer a program or activity have been put to optimal or satisfactory use, or whether the same or similar results could have been achieved more timely or with fewer resources.
+Example: In a performance audit assessing a disaster relief agency’s mobilization of resources to respond to a disaster, auditors may assess the disaster relief agency’s timeliness in providing relief compared to its own previous performance or the performance of other similarly situated agencies that have responded to comparable disasters.
+Example: In a performance audit assessing a consumer protection agency’s response to consumer complaints, auditors may assess whether the agency’s efforts to streamline its processes resulted in improved timely resolution of complaints.
+Example: In a performance audit assessing the time a state needs to process unemployment benefits targeted at helping those in need, auditors may assess how long the process takes from receipt of the unemployment application to the applicant’s receipt of the benefit, including steps such as verifying required information.
+The administration of a government program or activity is economical when it minimizes the costs of resources used in performing its functions while meeting timeliness and quality considerations for those resources. When auditing economy, auditors primarily focus on the costs of inputs rather than on the outcomes achieved.
+Example: In a performance audit examining an agency’s international travel expenses, in addition to assessing the design of internal controls and compliance with expense guidelines, auditors may test whether, for a sample of trips, bookings of
+Page 3
+Ethical
+Equitable
+equivalent airline tickets and hotel rooms could be found at a lower cost.
+Example: In a performance audit assessing an agency’s acquisition practices, auditors may examine whether the agency’s decisions regarding purchasing, leasing, or reimbursing employees for the costs of acquiring various supplies or equipment achieved the lowest cost while meeting applicable requirements.
+The administration of a government program or activity is ethical when it advances the collective interest of the public rather than private gain and is conducted with honesty, integrity, and impartiality. Laws and regulations often specify rules of ethical conduct. Therefore, audits examining the ethical administration of a program or activity may involve assessing compliance with such laws and regulations. Fraud in administering a government program or activity betrays the public trust and is, by definition, unethical. In addition, auditors may identify instances of unethical conduct that result in waste and abuse during testing of internal controls as part of a performance audit.
+Example: In a performance audit assessing agency officials’ compliance with conflict-of-interest requirements, auditors may compare a sample of financial disclosure reports filed against requirements in statute or regulation.
+Example: In a performance audit assessing potential regulatory capture related to a particular industry, auditors may assess the extent to which the regulatory agency has sufficient controls to reasonably assure its employees’ independence from the entities subject to the agency’s regulation.
+Example: In a performance audit assessing an office’s policies and procedures for purchase cards, auditors’ testing of the program’s controls to identify deficiencies may identify fraud, waste, or abuse in its administration.
+The administration of a government program or activity is equitable when it consistently serves members of the public, distributes public services, and implements public policy in a manner that promotes fairness, justice, and equality. Auditing whether the administration of a government program or activity is equitable may include assessing the
+Page 4
+equality of access to and provision of services;
+procedural fairness and equal treatment of individuals in government programs and policies;
+causes of disparate outcomes;
+or distributional impacts of public policies, programs, resources, and services.
+Disaggregating data by social groups or communities that share a particular characteristic (e.g., gender, race, ethnicity, age, or income) can help illuminate differences. Reporting on such differences, when appropriate within the context of the audit objectives, can increase understanding of the effects of policies and programs on issues of equity.
+Example: In a performance audit assessing the granting of waivers from particular requirements, auditors may use disaggregated data about waiver recipients to assess whether different groups or communities were treated fairly and equally in the process.
+Example: In a performance audit assessing a grant program aimed at expanding internet access, auditors may assess the extent to which formulas, criteria, or other factors (such as matching funds or capital requirements) considered in the distribution of grant funds may be to the specific advantage or disadvantage of certain groups, regions, or communities, thereby causing inequities.
+Example: In a performance audit assessing scholarship outcomes in higher education programs, auditors may report on the distribution of scholarships by race, gender identity, and income to illuminate potential disparities among scholarship recipients.
+These concepts may overlap. For example, efficiency may also be a component of effectiveness. Similarly, when appropriate within the context of the program and audit objectives, auditors may disaggregate the results of performance audits that focus on efficiency or effectiveness
+Page 5
+For More Information
+issues to illuminate inequities in program administration or in distribution of public services.
+While all of these concepts are important to administering government programs responsibly, it is up to the professional judgment of the auditors to determine the specific concepts that are relevant in conducting the performance audit and reporting the results. Auditors’ professional judgments are informed by, among other things, the needs of the users of the audit reports; the nature, context, and objectives of the program or activity under audit; and the public interest.
+To view the current Yellow Book, visit https://www.gao.gov/yellowbook.
+For technical assistance, call (202) 512-9535 or email yellowbook@gao.gov.
+Page 6
@@ -0,0 +1,823 @@
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+$
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+Bulgarian lev
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+      },
+      "filetype": "application/pdf",
+      "languages": [
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+    "text": "CAUTION: NOT FOR FILING",
+    "type": "Title"
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+  {
+    "element_id": "2415b0b6c0a4a1193a0b2c1f72c2687a",
+    "metadata": {
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+      "languages": [
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+      "page_number": 1
+    },
+    "text": "Form 1095-A is provided here for informational purposes only. Health Insurance Marketplaces use Form 1095-A to report information on enrollments in a qualified health plan in the individual market through the Marketplace. As the form is to be completed by the Marketplaces, individuals cannot complete and use Form 1095-A available on IRS.gov. Individuals receiving a completed Form 1095-A from the Health Insurance Marketplace will use the information received on the form and the guidance in the instructions to assist them in filing an accurate tax return.",
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+    "text": "Instructions for Recipient You received this Form 1095-A because you or a family member enrolled in health insurance coverage through the Health Insurance Marketplace. This Form 1095-A provides information you need to complete Form 8962, Premium Tax Credit (PTC). You must complete Form 8962 and file it with your tax return (Form 1040, Form 1040-SR, or Form 1040-NR) if any amount other than zero is shown in Part III, column C, of this Form 1095-A (meaning that you received premium assistance through advance payments of the premium tax credit (also called advance credit payments)) or if you want to take the premium tax credit. The filing requirement applies whether or not you’re otherwise required to file a tax return. If you are filing Form 8962, you cannot file Form 1040-NR-EZ, Form 1040-SS, or Form 1040-PR. The Marketplace has also reported the information on this form to the IRS. If you or your family members enrolled at the Marketplace in more than one qualified health plan policy, you will receive a Form 1095-A for each policy. Check the information on this form carefully. Please contact your Marketplace if you have questions concerning its accuracy. If you or your family members were enrolled in a Marketplace catastrophic health plan or separate dental policy, you aren’t entitled to take a premium tax credit for this coverage when you file your return, even if you received a Form 1095-A for this coverage. For additional information related to Form 1095-A, go to www.irs.gov/Affordable-Care-Act/Individuals-and- Families/Health-Insurance-Marketplace-Statements. Additional information. For additional information about the tax provisions of the Affordable Care Act (ACA), including the premium tax credit, see www.irs.gov/Affordable-Care-Act/Individuals-and-Families or call the IRS Healthcare Hotline for ACA questions (800-919-0452). VOID box. If the “VOID” box is checked at the top of the form, you previously received a Form 1095-A for the policy described in Part I. That Form 1095-A was sent in error. You shouldn’t have received a Form 1095-A for this policy. Don’t use the information on this or the previously received Form 1095-A to figure your premium tax credit on Form 8962. CORRECTED box. If the “CORRECTED” box is checked at the top of the form, use the information on this Form 1095-A to figure the premium tax credit and reconcile any advance credit payments on Form 8962. Don’t use the information on the original Form 1095-A you received for this policy. Part I. Recipient Information, lines 1–15. Part I reports information about you, the insurance company that issued your policy, and the Marketplace where you enrolled in the coverage. Line 1. This line identifies the state where you enrolled in coverage through the Marketplace. Line 2. This line is the policy number assigned by the Marketplace to identify the policy in which you enrolled. If you are completing Part IV of Form 8962, enter this number on line 30, 31, 32, or 33, box a. Line 3. This is the name of the insurance company that issued your policy. Line 4. You are the recipient because you are the person the Marketplace identified at enrollment who is expected to file a tax return and who, if qualified, would take the premium tax credit for the year of coverage. Line 5. This is your social security number (SSN). For your protection, this form may show only the last four digits. However, the Marketplace has reported your complete SSN to the IRS. Line 6. A date of birth will be entered if there is no SSN on line 5. Lines 7, 8, and 9. Information about your spouse will be entered only if advance credit payments were made for your coverage. The date of birth will be entered on line 9 only if line 8 is blank. Lines 10 and 11. These are the starting and ending dates of the policy. Lines 12 through 15. Your address is entered on these lines. Part II. Covered Individuals, lines 16–20. Part II reports information about each individual who is covered under your policy. This information includes the name, SSN, date of birth, and the starting and ending dates of coverage for each covered individual. For each line, a date of birth is reported in column C only if an SSN isn’t entered in column B.",
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+    "text": "If advance credit payments are made, the only individuals listed on Form 1095-A will be those whom you certified to the Marketplace would be in your tax family for the year of coverage (yourself, spouse, and dependents). If you certified to the Marketplace at enrollment that one or more of the individuals who enrolled in the plan aren’t individuals who would be in your tax family for the year of coverage, those individuals won’t be listed on your Form 1095-A. For example, if you indicated to the Marketplace at enrollment that an individual enrolling in the policy is your adult child who will not be your dependent for the year of coverage, that child will receive a separate Form 1095-A and won’t be listed in Part II on your Form 1095-A.",
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+    "text": "If advance credit payments are made and you certify that one or more enrolled individuals aren’t individuals who would be in your tax family for the year of coverage, your Form 1095-A will include coverage information in Part III that is applicable solely to the individuals listed on your Form 1095-A, and separately issued Forms 1095-A will include coverage information, including dollar amounts, applicable to those individuals not in your tax family.",
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+    "text": "If advance credit payments weren’t made and you didn’t identify at enrollment the individuals who would be in your tax family for the year of coverage, Form 1095-A will list all enrolled individuals in Part II on your Form 1095-A.",
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+    "text": "If there are more than five individuals covered by a policy, you will",
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+    "text": "receive one or more additional Forms 1095-A that continue Part II. Part III. Coverage Information, lines 21–33. Part III reports information about your insurance coverage that you will need to complete Form 8962 to reconcile advance credit payments or to take the premium tax credit when you file your return. Column A. This column is the monthly premiums for the plan in which you or family members were enrolled, including premiums that you paid and premiums that were paid through advance payments of the premium tax credit. If you or a family member enrolled in a separate dental plan with pediatric benefits, this column includes the portion of the dental plan premiums for the pediatric benefits. If your plan covered benefits that aren’t essential health benefits, such as adult dental or vision benefits, the amount in this column will be reduced by the premiums for the nonessential benefits. If the policy was terminated by your insurance company due to nonpayment of premiums for 1 or more months, then a -0- will appear in this column for these months regardless of whether advance credit payments were made for these months. See the instructions for Form 8962, Part II, on how to complete Form 8962 if -0- is reported for 1 or more months. Column B. This column is the monthly premium for the second lowest cost silver plan (SLCSP) that the Marketplace has determined applies to members of your family enrolled in the coverage. The applicable SLCSP premium is used to compute your monthly advance credit payments and the premium tax credit you take on your return. See the instructions for Form 8962, Part II, on how to use the information in this column or how to complete Form 8962 if there is no information entered, the information is incorrect, or the information is reported as -0-. If the policy was terminated by your insurance company due to nonpayment of premiums for 1 or more months, then a -0- will appear in this column for the months, regardless of whether advance credit payments were made for these months. Column C. This column is the monthly amount of advance credit payments that were made to your insurance company on your behalf to pay for all or part of the premiums for your coverage. If this is the only column in Part III that is filled in with an amount other than zero for a month, it means your policy was terminated by your insurance company due to nonpayment of premiums, and you aren’t entitled to take the premium tax credit for that month when you file your tax return. You must still reconcile the entire advance payment that was paid on your behalf for that month using Form 8962. No information will be entered in this column if no advance credit payments were made. Lines 21–33. The Marketplace will report the amounts in columns A, B, and C on lines 21–32 for each month and enter the totals on line 33. Use this information to complete Form 8962, line 11 or lines 12–23.",
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