When using a system, a tool, a software, I want to accomplish a goal, a task I expect the system to provide me the information and tools necessary for me to accomplish my task I want to be able to accomplish my task in the natural flown of my thinking: Search for information Look at the information Make a decision Execute an action and Look at a confirmation of the action I just took. I don’t want to have to go through unnecessary steps or take unnecessary actions. I also don’t want to be annoyed by information that is not necessary for me to accomplish my goal or task. When I enter text, I expect that my most common choices ...

Moody’s gave the best rating to PCAA in 2007. Desjardins lost 591 million because of PCAA in the last quarter of 2008.  In 2009, Moody’s express warning on the Risk Management at Desjardins since  they do not manage properly complex financial products such as the PCAA. It appears that overconfidence in Moody’s was one of Desjardins biggest mistake. The irony here is that Moody’s rate negatively institutions (Desjardins) that are in difficulty because they relied on Moody’s positive rating of certain financial product. It sound like Moody’s rates Moody’s negatively. Moody’s gave the best rating to PCAA in 2007. Desjardins lost 591 million because of PCAA in the last quarter of 2008.  In 2009, Moody’s express warning on the Risk ...