Isabelline (colour) form of leucism caused by a uniform reduction in the production and expression of melanin resulting in areas of plumage on the back of the bird, normally black, being strongly faded, or isabelline, in appearance. Isabellinism has been reported in several species of penguin. Isabelline and isabella are terms applied in Europe to very pale palomino or cremello horses, animals with a coat colour that is variously described as cream, pale gold or almost white; this is the primary usage of the French ("isabelle") and German ("Isabella") versions of the word. In horses, this colour is created by the action
Expert systems for mortgages and then sent to a central office for checking, before going back to the branch, often with requests for more information from the applicant. This leads to frustrating delays. Expert system for mortgages takes care of these by providing branch employees with tools permitting them to process an application correctly, even if a bank employee does not have an exact knowledge of the screening procedure. The expert system neither refuses nor grants loans, but it: The goal is to produce applications which are correct in 80 per cent to 90 per cent of all cases, and transfer responsibility for granting