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Today , ideas like files and windows have become so entrenched that they might as well be elementary particles . The longitudinal tracking proposed in a Health Canada discussion paper — to whit , " of the entire array of socially determined roles , personality traits , attitudes , behaviors , values , relative power and influence that characterize the lives of men and women in Canadian society " — is breathtaking , intrusive and offends the bedrock value of privacy in a democratic society . Although many elements of the decision to assign a risk rating to a given loan are inherently judgmental , banks can make these elements both more explicit and more consistent by articulating assignment criteria that describe both quantitative and qualitative considerations . In addition to portfolio information , banks should be encouraged to acquire or develop information systems that provide ready access for lenders and credit analysts to information sources that can support and enhance the financial analysis of proposed loans . As part of the credit risk management process , banks should consider the potential impact of a wide range of borrower default rates and losses on the institution , especially on loans with more relaxed terms . " When asked how long he 'd been living on just almonds , brussels sprouts , and water , he answered : " Oh , years . In addition , regardless of the manner in which profitability is analyzed , banks should incorporate into the pricing decision the appropriate risk of loss on the loans being considered . Few spheres of our daily lives remain untouched by technologies of identity and identification : medical records are increasingly digitized and aggregated , loyalty cards collect shopping habits , Web cookies track online activities , electronic toll collection systems record vehicle locations , detailed user profile pages fill social networking Web sites , biometric scanners are in use at workplaces , banks , and airports . Medical conditions associated with changes in body image ( strokes , amputations and problems in walking that require assistive devices ) are particularly threatening .