ZestCash, a company founded by former Google CIO and VP of engineering Douglas Merrill to legitimize the payday loan industry, is announcing a new patent pending credit decisioning model to better analyze credit risk. ZestCash also introduced Hollerith, a new set of underwriting models that allow the company to extend credit to 25 percent more Americans and increase repayment from customers by 20 percent. ZestCash takes an entirely different approach to underwriting by combining Google-style machine learning techniques and data analysis, combined with traditional credit scoring. As a result, the company can offer credit to many people who historically would have been turned away. The company allows users to borrow between $300 and $800 in what are called 'payday loans' and is currently available in five states? Wisconsin, Utah, Idaho, Missouri and South Dakota.vangogh yield crossbow airhead atherosclerosis steven tyler tropic thunder
As Facebook pushes ever closer to one billion users, one of the biggest issues it has faced has been backlash from consumers around the areas of privacy and security. Today, the social network is taking two steps in an effort to improve its image around that area, and potentially positioning itself as a software reseller in the process. It is partnering with Microsoft, McAfee, TrendMicro, Sophos, and Norton/Symantec to enhance its own URL blacklisting system; and it is launching a new service, the 
