Jorion Philippe, Garp:
Financial Risk Manager Handbook

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Back to roots: Eruditor.com works automatically
Ten years ago, everybody expected that on-line shops would work fully automatically: no staff, no stock, no office, just a computer and delivery service from factory to customer. Prices in on-line shops were expected to be extremely low because of minimal costs. Unfortunately, it didn't work. Customers needed help and information and e-shops needed to pay more employees. Costs and prices in e-shops increased.

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