first_imgTrevor Denton | Daily TrojanA year ago, the hapless Rams finished 4-12 in their first season back in Los Angeles. Worse than their record, the team was downright dreadful to watch. Under then-head coach Jeff Fisher, rookie quarterback Jared Goff threw more interceptions than touchdowns, while running back Todd Gurley was limited to a dismal 3.2 yards per carry, after ripping through the league as a rookie in 2015. The offense possessed plenty of talent, but the coaching staff had no idea how to use it. It was more frustrating than watching your grandparents try to use an iPad. But sometimes a coaching change can make all the difference. Before this season, 31-year-old Sean McVay was hired to re-energize the Rams’ dormant offense, and he somehow accomplished much more. The Rams led the league in scoring in 2017 (29.9 points per game), after finishing last in that category in 2016. Gurley ended his sophomore slump with a 2,093 total yard, MVP-worthy campaign, while Goff looked like a potential franchise quarterback. The Rams made leaps and bounds in 2017, but they’ve managed to get even better this off-season. After acquiring elite defensive backs Marcus Peters and Aquib Talib a couple of weeks ago, Los Angeles inked All-Pro defensive tackle Ndamakung Suh to a one-year, $14 million deal on Monday. Under venerated coordinator Wade Phillips, the Rams’ defense was already among the league’s best. Now it’s downright terrifying for opposing offenses. With Suh, Talib and Peters, the team has an elite defense to complement its historically prolific offense. Phillips will be able to place line up Suh alongside reigning Defensive Player of the Year Aaron Donald, creating one of the best defensive fronts in history (at least in theory). Suh and Donald have similar skill sets — they can both stuff the run and also terrorize passers from the interior (the duo would have combined for 15.5 sacks in 2017), and both still have plenty of gas in the tank (Suh is 31, Donald is a spry 26). Being able to field both future Hall of Famers in the prime of their careers is borderline unfair. One of Suh’s major considerations when choosing a team in free agency, was going somewhere he could avoid being double-teamed every play. Therefore, it makes sense why he took a pay cut to join the Rams. By playing next to a fellow human wrecking crew in Donald, Suh will have a better chance of avoiding L.A. traffic than ever seeing a double-team from an opposing offensive line (NFC West quarterbacks Jimmy Garapolo’s and Russell Wilson’s lives just got a lot more complicated). Defensive tackle Ndamukong Suh joined the Los Angeles Rams on Monday after spending three seasons with the Miami Dolphins. Photo courtesy of Wikimedia Commons.The Suh signing will understandably draw the most attention, but don’t underestimate the impact of Talib and Peters. Los Angeles fielded a middle of the pack secondary in 2017, giving up 217.2 yards per game through the air (12th in the league) and 54 completions over 20 yards (seventh most in the league). Their best defensive back Trumaine Johnson was set to become a free agent this offseason. Instead of resigning Johnson to a mega-deal, they let him walk and still managed to upgrade their secondary in stunning fashion. Talib is a 10-year veteran with five-straight Pro Bowl appearances, while Peters brings unmatched ball-hawking, upside at the position. He’s snagged an incredible 19 interceptions since joining the league in 2015, to go along with six forced fumbles and five recoveries. With Talib’s experience, you know exactly what you’re getting — with Peters, 25, the sky is the limit. The Rams are already having the best off-season of any team, but they may not even be finished just yet. Reports indicate L.A. could be in the runningmix to acquire Giants wide receiver Odell Beckham Jr., one of the best young players in the league. If that trade does indeed happen, all bets are off. The Rams would be fielding one of the most talented teams in league history, a year removed from finishing 11-5 and winning the NFC West by a wide margin. On paper, the team will be stacked with or without Beckham Jr. The only major question will be if McVay can handle so many polarizing personalities on one roster. Talib, Peters, Suh and Beckham Jr. (if they land him) are all controversial figures for different reasons. Having all four in the same locker room could be magical or destructive — just don’t expect much of a middle ground. Either way, the Rams enter the 2018 season as one of the most talented and exciting teams in recent memory. Not bad for a franchise that terribly fumbled its debut season in Los Angeles just two years ago. Trevor Denton is a sophomore majoring in journalism. He is also the sports editor of the Daily Trojan. His column, “T-Time,” runs Wednesdays.last_img read more

first_img “”Equifax””:http://www.equifax.com/home/en_us announced the availability of Equifax Dimensions, a new product created to deliver more in-depth picture of past credit behavior to predict future trends.[IMAGE][COLUMN_BREAK]Users of the new solution can see up to two years’ worth of detailed consumer credit activity, allowing them to make more precise lending decisions. Equifax Dimensions analyzes hundreds of payment characteristics to identify consumer patterns, enabling lenders and service providers to identify which consumers are most likely to open accounts, predict how much and where consumers are likely to spend, predict capacity to incur additional debt while staying current, and determine the “”breaking point”” of spend that will lead to default.””Equifax is constantly utilizing deeper, more meaningful analytics so that we can provide innovative solutions designed specifically to meet our customers’ needs,”” said John Cullerton, SVP of product innovation and management for the Atlanta-based company. “”This new product is an example of one of those solutions–and a simple way to help our customers increase their bottom line, while still effectively taking care of the consumer.”” September 3, 2013 440 Views in Data, Government, Origination, Secondary Market, Servicing, Technology Agents & Brokers Attorneys & Title Companies Company News Equifax Investors Lenders & Servicers Processing Service Providers 2013-09-03 Tory Barringercenter_img Share New Equifax Offering to Provide Better Credit Insightslast_img read more

first_imgThe Foreign Corrupt Practices Act community is blessed with an active group of writers. Many of the writers approach the FCPA and related issues from different perspectives and with different goals in mind.One of the most active writers on FCPA topics is Thomas Fox (FCPA Compliance and Ethics Blog).  Fox approaches the FCPA and related topics with a singular goal in mind:  analyzing and articulating the vast body of literature on FCPA best practices in a digestable, practical, and workable way to be of value to compliance professionals in the field.In short, Fox is the “nuts and bolts” guy of FCPA compliance who not only offers his own insight and perspective on best practices, but also effectively aggregates the insights and perspectives of others.Fox’s latest book is “Doing Compliance: Design, Create, and Implement and Effective Anti-Corruption Compliance Program” and in it he provides, in his words, “the basics of how to create and maintain an anti-corruption and anti-bribery compliance program to suit any business climate across the globe.”The nine chapters of the book are grouped around topics such as senior management commitment to compliance; written policies and procedures; conducting a risk assessment; training; hiring and other human resources issues; reporting and investigation; and merger and acquisition due diligence.“Doing Compliance” is peppered with many helpful checklists and factors that compliance professionals can use on a daily basis to implement, assess and improve FCPA compliance policies and procedures.As Fox says in conclusion:“Anti-corruption compliance enforcement is here to stay.  That means, in today’s business world, you will need to ensure effective anti-corruption compliance in almost any location where you do business, and at any entity you might choose to do business with going forward.  An effective program should not be 100 paces past your company’s internal financial controls. It may be five paces beyond where you are now.  It is not difficult to institute and follow such a standard, but it does take commitment from senior management to lead and support the effort going forward.”If developing an FCPA compliance tool-kit is on your to-do list this year, you may want to add “Doing Compliance” to your bookshelf.  The book can be ordered here and here.last_img read more