# IC

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Related to interstitial cystitis: Elmiron

## Import Certificate

A proposed system to lower the U.S. trade deficit. Under the system, exporters would be issued import certificates allowing them to import up to the total value they export. Exporters may then sell these certificates to importers, who need them to conduct their business. The concept would maximize the value of imports, allowing it to be no greater than the value of exports. While this is not technically a tariff, it has much the same effect. Import certificates were proposed by Warren Buffett in 2003.

## Information Coefficient

A measure of the correlation between expected and actual returns. The IC is used internally within a firm to judge the performance of individual financial forecasters. The IC is measured on a scale between 0 to 1, with 1 indicating no difference between expected and actual returns. An analyst with a consistently high IC on his/her predictions will likely receive promotions and bonuses, while one with low information coefficients will likely lose his/her job.

## Interest Cost (IC)

A comprehensive and time-adjusted measure of loan cost to the borrower.

IC on a Mortgage: IC is what economists call an “internal rate or return.” It takes account of all payments made by the borrower over the life of the loan relative to the cash received up front. On a mortgage, the cash received up front is the loan amount less all upfront fees paid by the borrower. On an ARM, IC captures the effect of interest rate changes on the monthly payment and the balance, but future rate changes must be assumed.

Formula: IC is (i) in the formula below:

L - F = P1 + P2/(1 + i)2 +… (Pn + Bn)/(1 + i)n
Where:

L = Loan amount

F = Points and all other upfront fees paid by the borrower P = Monthly payment

n = Month when the balance is prepaid in full

Bn = Balance in month n

IC Versus APR: IC differs from APR in the following ways: IC is measured over any time horizon, whereas APR assumes that all loans run to term. IC may be measured after taxes whereas APR is always measured before taxes. On an ARM, IC can be calculated on any interest rate scenario whereas APR always uses a no-change scenario.

The Mortgage Encyclopedia. Copyright © 2004 by Jack Guttentag. Used with permission of The McGraw-Hill Companies, Inc.
References in periodicals archive ?
Interstitial cystitis is most frequently diagnosed in Caucasian women between the ages of 30 and 40.
Some scientists receive funds from the Federal Government to help support their research, and some receive support from other sources such as their employing institution, drug companies, and the Interstitial Cystitis Association.
Increased prevalence of interstitial cystitis in women with detrusor overactivity refractory to anticholinergic therapy.
Hispanic Population Disease Percentage of Hispanic Population Affected Hypertension 26.0 (1) Diabetes mellitus 12.8 (2) Obesity 13.4 (3) Depression 3.7 (4) Stroke ~2.9 (5) Chronic interstitial cystitis 40.0 (6) Note: Information presented in this table was retrieved from a number of sources and reflects data collected between 2006 and 2012.
Subsequent studies failed to confirm clinical benefits, with the exception of one study in which prednisone at 25 mg/day was associated with an 88% decrease in pain in 9 of 14 patients with refractory ulcerative interstitial cystitis (J.
"After a trial period of 3-6 weeks, one patient with interstitial cystitis and two with RCPPP reported more than 60% improvement in their symptoms and elected to have a permanent generator implanted." Dr.
Martin Zacha's relative who has interstitial cystitis [May/June 2005].
AS you say, many interstitial cystitis (IC) sufferers find their life revolves around knowing where to find the nearest toilet, which means trips away from home need careful planning
Kotarinos cited a study that involved 45 women and 7 men who had interstitial cystitis or the urethral syndrome.
For samples from patients with interstitial cystitis and related disorders, it was demonstrated that expression of the hsp 60 and hsp 70 was reduced compared to that found in the urothelium of the normal bladder, whereas hsp 27 and hsc 70 expression were unaltered (9-11).
Global Markets Direct's, 'Interstitial Cystitis (Painful Bladder Syndrome) - Pipeline Review, H1 2016', provides an overview of the Interstitial Cystitis (Painful Bladder Syndrome) pipeline landscape.
(1) The condition classically known as interstitial cystitis (IC) was reserved for patients with typical cystoscopic findings, such as glomerulations, or the classic bladder wall Hunner's ulcer.

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