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In this session we 'll explore how credit unions used marketing data from Experian and their MCIF system ( marketing database ) to generate new member growth well above their peer group , while also showing loan growth and borrower-per-member ratio both above peer averages . There is a tendency for smaller ratios ( denser snow ) to occur at warmer temperatures and higher ratios to occur at colder temperatures . Gold deposition and decarbonatization resulted from fluid-rock reactions between the ore fluid and the host rock as small changes occurred in temperature and rock-fluid ratio , according to geochemical modeling by Woitsekhowskaya and Peters ( 1998 ) . This is to permit the explicit specification of mass and molar ratios , which would otherwise be represented as dimensionless quantities . The responses of the specimens are evaluated and special attention paid to the effects of cross-sectional shape , end conditions , and slenderness ratio using hysteretic envelopes .