Abstract: This application relates to the field of lighting, and discloses an LED filament. The LED filament includes an LED chip unit, a light conversion layer, and an electrode. The light conversion layer covers the LED chip unit and part of the electrode, and a color of a light emitted by the LED filament after lighting is different from a color of the light conversion layer. This application has the characteristics of uniform light emission and good heat dissipation effect.

Abstract: In a system for assigning a credit line to a credit card application, the system receives a plurality of credit card applications each having applicant information. For each application, the system retrieves credit bureau information. The applicant information and the credit bureau information are used to model the likely behavior of the corresponding applicant. The applications are clustered into one or more clusters according to the modeled behavior. For each cluster of applications, financial measures are forecasted and analyzed to determine the optimal credit line to assign to the cluster.