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EL RIESGO EN LAS ENTIDADES FINANCIERAS 1. Concepto y tipos de riesgo

Aplicación del Análisis Discriminante y Regresión Logística en el estudio de la morosidad en las

2. EL RIESGO EN LAS ENTIDADES FINANCIERAS 1. Concepto y tipos de riesgo



Moderately q = 110

Music by John Petrucci and Jordan Rudess Lyrics by John Petrucci

A New Beginning

from Dream Theater - The Astonishing

© 2016 WB MUSIC CORP., YTSE JAMS, INC., WARNER-TAMERLANE PUBLISHING CORP. and KEY WIZ MUSIC All Rights for YTSE JAMS, INC. Administered by WB MUSIC CORP.

All Rights for KEY WIZ MUSIC Administered by WARNER-TAMERLANE PUBLISHING CORP.

All Rights Reserved Used by Permission





  



 

 

  



Gtrs. 1 & 2 (dist.) Intro

* Riff A

f µ(G5)

P.M.

*Chord symbols reflect overall harmony.



P.M.

End Riff A



Gtrs. 1 & 2: w/ Riff A

Gm

F/G Gm

Am/G Gm

F/G Gm

Am/G



Gtrs. 1 & 2

**

Gm F/G Gm Am/G

P.M.

**Grad. lift P.M.



Gm µ Gm F/A Bb Bb/D Cm/Eb D/F# Eb/G Ab/Eb

       

            

   

  

3 3 3 3 3 3 3 3 3 X 3 3 3 3 3 3 3 3 3 0 1 2

       

            

    

3 3 3 3 3 3 3 3 3 X 3 3 3 3 3 3 3 3

3 4 5

       

            

   

  

3 3 3 3 3 3 3 3 3 0 3 3 3 3 3 3 3 3 3 0 1 2

       

                          

3 3 3 3 3 3 4

0 1 4 3 3 3 5 5 5 6 6 6 5 5 5 6 6 6 4 4 4 5 5 5 8 8 8

1

  





























   















µ



Fa Verse

1.

Gm

ther,

- I im plore

Am/G

- you,

don’t Gm7

be -lieve a word.

C/G F/G C/G



Riff B

slight P.M.



He Gm

is not the en

Am/G

e

- - my, that

Gm7

is just ab - surd.

C F/C Bb/C F/C C



End Riff B

slight P.M. let ring



You

Gtrs. 1 & 2: w/ Riff B

Gm

may see his tal Am/G

ent

- as

Gm7

some kind of threat,

C/G F/G C/G

but I

Gm

knew we were meant Am/G

to be



from Gm7

the day we met.

C F/C Bb/C F/C

Give Chorus Eb

us both a chance

Bb



Gtrs. 1 & 2

slight P.M. let ring

Rhy. Fig. 1

P.M.

                      

  

7 5

6 5

5 3

4 3 6 2 3 4 5 3 5 3

4 6 0 1 2 4

                 

       

            

   

  

3 3 3 3 3 3 3 3 3 0 3 3 3 3 3 3 3 3 3 0 1 2

                 

       

                   

3 3 3 3 3 3 3 3 3 0 3 3 3 3 3 3 0 35

37 7 3 38

37 35

                          

                   

           



            

3 3 3 3 3 3 0 35

37 7 3 38

37

68

6 6 10 8 6

68 8

68 8

68 8

00

2























for F

a new be gin

F/C

- ning.

C

- Noth

Eb

ing

- would mean more

Bb

to me.



P.M. P.M.



Gm

F/A Bb Bb/D

He Eb

is just a man.

Bb



P.M. P.M. P.M. P.M.



Can’t F

you show him mer

F/C

cy?

C

- Sym

Eb

pa

- - thy and strength

Bb

go hand



P.M.



P.M.





in Gsus2

hand.

D D/F# 

Bridge Em

This man’s a fraud and a



P.M. semi-P.H.

End Rhy. Fig. 1

 

P.M. P.M.

6 6



                 



                    

1 33

1 1 1 1 1 33

32

3 68

6 6 10 8 6

6 88

6 88

6 88

       

  

                   

3 5 5

5 3 3

6 5 3

5 3 3

6 8

6 6 10 8 6

68 8

65 8

68 8

                  

                     

108

8 8 12 10 8 1010

1012

10 68

6 6 10 8 6

68 8

68 8

68 8

00 0

 

     

       

    

  

      

     

55 0 0 47

4

2 022

0 0 0 0 0 0 022

0 0 0 0 0 0

3











hoax.

Eº5 Em

He’ll on - ly shat - ter your

3

 

steady gliss.

P.M. P.M.

6 6





hopes.

Gm Bb

Sad Bbm

dest

- of all is to



P.M. P.M.



watch F

how you fall

Aº/Eb

for this per Em

son

- who you

A#º7

hard - ly

 

semi-P.H.



 

Bsus4

know.

F#/A#

D#º/A Ab7



Ig 2.

Verse Gm

no

- - rant and stub

Am/G

born,

-

P.M. P.M. P.M. P.M. semi-P.H.







         

    



      

     

78

78

7 16 022

0 0 0 0 0 0 022

0 0 0 0 0 0

           







  



         

     

35 5

35 5

68 8

00 0 118

6 6 6 6 6 6 118

6 6 6 6 6 6

                  



     

13 3

4 6 79

7 6

              

  

  

                   

7 9 9

6 9 8

5 6 7

4 6 6 0 7 0 0 3 0 0 5 0 5 0 9 0 0

4



















































you Gm7

have no re spect,

Am/G

-F/G Am/G

not Gm

just for your flesh Am/G

and blood, but

 





all Gm7

who you pro - tect.

C F/C Bb/C F/C C



Gtr. 1 8va



Gtr. 2 8va



Lis Gm

ten

- with out- judg

Am/G

ment,

- keep

Gm7

an o - pen mind.

C/G F/G C/G



loco 





loco 



                

 

       

 

   

         

 

0 10 0 0 7 0 0 9 0 12 0 10 0 9 0 12 0 0 7 0 0 9 0 9 0 14 0 0

        

 

  

                  

0 15 0 0 10 0 0 0

20 15

17 20 17

18 22 18

18 20 17

18 20 15

17 17

 

                     

0 15 0 0 10 0 0 0

15 12

13 17 13

13 18 13

15 17 13

13 15 12 13

12

                 

 

         

   

  

  

 

 

 

0 10 0 0 7 0 0 9 0 9 0 12 0 0 0 14 0 0 10 0 0 12 0 15 0 14 0 12

               

       

 

 

0 7 0 0 3 0 0 5 0 5 0 9 0 0 0 10 0 0 7 0 0 9 0 12 0 10 0 9

5



























 









If Gm

you can not see Am/G

the truth, you’re

Gm7

the one who’s blind.

C F/C Bb/C F/C



8va



8va



We Chorus

Gtrs. 1 & 2: w/ Rhy. Fig. 1 (1st 7 meas.)

Eb

don’t stand a chance;

Bb

that F

is his o pin

F/C

- ion.

C

-

Moth Eb

er,

- can you talk

Bb

to him?

Gm

F/A Bb Bb/D

Try Eb

to un - der stand Bb

-

how F

they must be feel

F/C

ing.

C

- Mis

Eb

er

- - y’s to know

Bb

what might have



Gsus2

been.

DD/F#

Bridge Em

Why would I ev

F#/E

er

- con-cede to



Gtrs. 1 & 2

P.M. semi-P.H.

 

P.M. P.M.



                    

 

  

  

 

 

   

  

              

0 15 0 0 10 0 0 12 0 12 0 17 0 0 0 19 0 0 15 0 0 0

20 15

17 20 17

18 22 18

18 20 17 18

 

         

   

  

              

0 12 0 0 7 0 0 9 0 9 0 14 0 0 0 15 0 0 10 0 0 0

15 12

13 17 13

13 18 13

15 17 13 13

                

                 

                  

      

           



    

  

     



      



55

0 0 47

4

2 022

0 0 0 0 022

0 44

0 0 0 0 44

0

6











lis Am

ten

- to this fool? How can you

B7b9sus4

be so na - ive?

Em

You must be liv ing- in a



P.M.



P.M.





world F#

of make be-lieve. Do you real

Am

ly

- think this char-la-tan is who D#º7

he claims to be?

B



P.M. P.M. P.M.



Interlude Gtrs. 1 & 2 tacet

Am

C/G D G

Bm/F# Em A

Am Am7b5/Eb

D

Gtrs. 1 & 2

C Eb7

 G/D G#º7 Am D/F# D/A Dm7b5/Ab G

P.M.

 

Gtr. 3 (dist.)

*w/ phaser & delay f

Bº7 Cm

 Am7b5  Eb/Bb

3

*Stereo delay set for 450 ms & 900 ms regeneration, w/ multiple decaying repeats.

 1  

Gtrs. 1 & 2 



                        

     

                

7 7

0 0 0 0 77

7 7

0 6 7 9

7 8 3 5 2 022

0 0 0 0 022

0

                        



     





     



     

24 4

2 2 2 2 244

24

57

5 5 5 5 1057

0 0 67

8 79

  

         

35

6 557

4 02

2 3 5 45

0 0 35

                       

7 9 7 10 8

8 11 11 10 10 11 11 10 11

8 10

8

11 8 10 11 11 13 15

    

2 3

5 6 6

7

rit.

Slower q = 66

rit. 



Gb+/Bb Bb Bb7



Eb



rit.

 





Verse Gtr. 3 tacet

Eb

Not

3. long a - go, there was a time

Gtrs. 1 & 2 tacet

and place



Gtrs. 1 & 2







you too pos - sessed the same de - sires as Faythe.



You Cm

knew how

Gm

it felt to feel

Ab

in - vis - i ble.

Eb

-

Mu Cm Cm

sic

- calmed

Gm

your soul just like

Am7b5

a drug. Re mem

Abmaj7

- -ber, Bug?

                 

14 10 10 11 11

11 11

13 13 10 10

11 11 10 13

10 11

    

6

8 6 6

              

6

              

        

        

                   

8



















 













Fa Tempo I

Eb/Bb

ther,

- is it true

G+

Bug Cm/Eb

was al - ways you?

Ab/C



Gtrs. 1 & 2

P.M.



Fi D/F#

nal

- -ly I can

Fm/Ab

re-veal how mu

Eb/Bb

sic

- makes me feel.

Bb Bb/D





P.M. P.M. P.M. P.M. P.M. P.M. P.M.





Now Chorus

Gtrs. 1 & 2: w/ Rhy. Fig. 1

Eb

you un - der stand

Bb

- why

F

I was hid

F/C

ing.

C

-

This Eb

chang - es ev Bb

’ry

- - thing.

Gm F/A Bb Bb/D

I Eb

will grant the chance Bb



for F

a new be gin

F/C

- ning.

C

- In

Eb

the end the fi

Bb

nal

- word rests

Gsus2

with D D/F#



me.

Interlude µ(Gm)

 



Gtrs. 1 & 2

                

       

            

    

6 6 6 6 6 6 3 3 3 3 6 6 6 6 6 6 3 3 3 0

                

                               

5 2 2 2 5

2 2 2 8

4 4 4 8

4 4 4 10

6 6 6 10

6 6 6 8

6 6 6

8 5 5 5

            

                    

                   



   

                                   

3 5 5 3 5 3

5 6 8 7 8

3 5 6 3

5 3 5 5 3 5 3

5 6 8 7 8 10

8 8 5 5

3 6 3

5

9

  

  

  

  

















Gsus4 Ebsus2 Csus2



Gsus4 Ebsus2 Csus2 Bbsus2 Csus4 Gsus4 Ebsus2 Csus2



Gm7add11 Gsus4 Ebsus2 C6sus2 Bbsus4 Bbsus2 Csus2 Db D Fsus4

Gtr. 4 (dist.)

Guitar Solo

*w/ wah-wah & delay f

Esus2

w/ bar





Em7add11

 G5

steady gliss.

Bb5

3 7

3 3

*Stereo delay set for 300 ms & 600 ms regeneration, w/ multiple decaying repeats.

1 



  T

1

Gtrs. 1 & 2

Riff C

P.M. P.M.

                                   

3 5 5 3 5 3

5 6 8 7 8

3 5 6 3

5 3 5 5 3 5 3

5 6 8 7 8 10

8 10 8 10 12 10 8 8

                       

6 5 3

3 6 3 5

5 3 5 5 3 5 3

5 6 8 7 8

3 5

6 3

5

                                   

3 5 5 3 5 3

5 6 8 7 8 10

8 8 5 5

3 6 3

5 3 5 5 3 5 3

5 6 8 7 8

3 5 6 3

5

                              

3 5 5 3 5 3

5 6 8 7 8 10

8 10 8 10 12 10

8 8

6 5 3

3 6 3 5

5 3 5 1

   



                  

2 2 2 15

00 00

12 12 15 12

15 12

15 12 15

12

15 15 10 0 14 17 20

 

 

 

                    

0 0 7

0 0 0 0 0 5 2

5 1 0 0 5

0 0 35

35 35

68 68

68

10

















  

 



A/E

19 15

T T T T T T T T



P.M.



Am6/E

 

Bb5 A5 F5

7

9

T   T T T T T T T T T T



P.M.

End Riff C

Gtr. 4

Gtrs. 1 & 2: w/ Riff C

Esus2

 C/E 

G5 Bb5

5

  



Em6

10

10 16

T T T T T T T T T T

 

     

 

     

 

     

 

     

 

17 20 17 14 0 14 17 20 17 20 17 14 0 14 17 20 17 20 17 14 0 14 17 20 17 20 17 14 0 14 17 20 17 14

 

   

       

0 0 4

0 0 0 0 0 5 2

5 1

       

         

        

     

17 14 15 12

16 14 12 17 14 12

16 14 12

16 14 12 16 14 12

16 14 12

16 14 12 16 14 11

13 12 10 13

 

   

       

0 0 2

0 0 68

68 68

57 57

57 13

                

      

12 12 7 5 9

9

8 9 7 12 11 10

12 9 11 12 9

11 8 10 7

9 6

           

        

               

  

3 5 7 12 7 12 7 5 3 5 12 5 7 12 7 5 4 5 7 14 10 14 10 7 5 7 14 7 14 10 7 6 7 9 14 12 14

11

 













  

    

 



E9 Bbsus2 Fmaj9/A Dbadd11/F

 

9 5 3 5

T T T T T T T T



Gtr. 4

Synth Solo Gsus2



steady gliss.

Gtr. 4 tacet

Gm7add11

Bb5 Db5





Gtrs. 1 & 2 Riff D

P.M. P.M.



Gtrs. 1 & 2

C/G

P.M.

Cm6/G

P.M.

Db C5

End Riff D

Ab5



Gtrs. 1 & 2: w/ Riff D

Gsus2

Eb/G

Bb5 Db5 C7/G

Fm6/G

Dbsus2 Cm7add11 Fm9/Ab



Gtr. 5 (dist.) Interlude

f µ(Gm)

  

  

    

 

      

         

    

 

   

12 9 7 9 14 12 14 12 9 8 9 9 12 14 15 14 15 14 12 9 12 15 14 15 14 12 12 151720 17 20 17 15 12 14

    

12 12 5

   

 

                    

3 3

5

3 3 3 3 3 8 5

8 4 3 3

3

3 0 13

13 13

46 46

46

     

                     

3 3 7

3 3 3 3 3 8 5

8 4 3 3 5

3 0 46

46 46

35 35

35 46

                        

            

10 12 12 10 12 10

12 10 10

13 12 10

13 10 12 12 10 12 10

12 10 15 11 13 15

10 12 12 10 12 10

12 10 10

13 12 10 8

12

 

 







(Ebmaj9) (Fadd9/A) (Abmaj9) (Bbadd9/D) (Gm)







  (Dbsus2) (Fsus2)

 



Gtr. 5

µ

Outro-Guitar Solo

Gtr. 4 Gtr. 5 tacet

wah-wah off w/ phaser

Gm 

w/ bar

6

6



-2



Gtr. 6 (dist.)

w/ reverb & ambient delay mf



Gtr. 4

Gtr. 6 tacet

P.S.

Eº7

* 8valoco

Harm. P.S.

loco

Harm.

8va

P.S.

loco

Harm.

8va

P.S.

8va loco

Harm.



P.S.

8va loco

Harm.



P.S.

Gm

 

8va

Harm.

loco



P.S.



8va

Harm.

loco

** Harm.

loco 15ma

** Harm.

loco 15ma

6 3 3

3

*Next 2 measures, fret-hand muting allows harmonic when pick is lifted from string.

         

**Tap string w/ edge of pick.

                              

13 10 11 10

13 13 13 13 13

15 12 13 12

15 15 15 15 15

10 12 12 10 12 10

12 10 10

13 12 10 13

           

                     

10 12 12 10 12 10

12 10 15

11 13 15

10 12 12 10 12 10

12 10 10

13 12 10

13 11 13 13 11 13 13 13 13 13

                            

15 11 13 15 11

14 12 10 12 10 8 11 9 7

10 8 6

9 7 5 1012121110

1012 1211 10

1012 1211 10

  

10 1212 11

  

 

 

 

        

   

X 12 X 12 X 12 X 12 X 12

X X X 12 X X 12 X 12 X 12

13



string noise (R.H.)

15ma 8va

*  

*Tap string w/ edge of pick.

 

grad. release

   

 _1/2

Ab7

_1/2

_1

w/ bar

D/G

w/ bar

let ring



Harm.

_1

_1

w/ bar

Fm/G



_1/2

_1/2

_1

-2 1/2

 _1_1

-6





Fm



P.M.

Gm

grad. release grad.

bend grad.

bend

 

3

 1 1/2 1 1/2 1/2  1/2 



A/G

string noise



w/ bar

let ring

 A

grad. release

 Cm/G loco

8va



 1 1/2 1

 

w/ bar

 D/G

w/ bar 8va 

let ring

loco

D

_1

_1

_1

_1

w/ bar Harm.

let ring

   _1 _1_1_1

Pitch: G



Gm

                 

       

13 13 13 13

7 7

7

7 7

7 7 7 7 4 9 8

10 10 5 6 5 3

                           

5 3

8 10 10 8 9 10 11 13 13 13 11 13 13

13 11

12 10 11

12 10 12 12

       

                   

10 XX 14 14

14 17 20

14 20 20 20 15

16 15 17 17

18 15 15 18 17 18

  

    



        

15 18

17

9

17 16 16 17

17 17

5 17

7 7 5 7 7 7 7 7

5

                  

    

 

  

 

3 0 5 0 3 0 0 5 0 7 0 0 7 0 10 0 10 0 12 0 10 0 0 12 0 15 0 0 15 0 17 0

15



Ab/G Ab7   

   



D/G

grad. release 3

1/2 1



Fm/G

    grad. release

Fm

8va loco



6 6



1 1 1/2



Gm  

P.H.



string noise

A/G

Harm.

 

w/ bar



Pitch: D



 

1/4

1/4 1/4



A

w/ bar

 

Cm/G

w/ bar

8va loco



grad. release

 

 

  1 1/2 1/4 

                        

16 15

17 15 16 15 17 15

18 17 15

18 17 15 17 18

16

17 19 20

18 17 19 20

                            

16 17 19 15

19 17 16 17 19

15 17 19 17 15 19

15

19 17 16 17 19 15 17

19 17 16

17 15

                         

16 13 13 13

15 15

18

15 14 13 13 13 16 18

18 15

18

17 15

15 18 15

15 17 17

              

       

1515 XX X

XX X

X XX 171717

1515 1515

16 17 15

15 13 13

15 15

9 XX 12 14 14

14

14 14

  

       

          

14

17 13 17 21 17

18

20 15

16 17

10

10

10 XXX 10 8

10 10 3

16



D/G D

8va

loco

steady gliss.



6 6 6 6

6 6



1



Gm



grad. release

Ab/G



grad. release

Ab

 

8va

1  1/2 1/2  1  



D/G

rake

8va  loco

let ring



let ring

Fm/G

grad. release

  1



Fm



P.M.



Gm

grad. release

 

3



 

1 1/2  



Begin fade

A/G A



8va 6

6

6

6 6 6



1

                                    

12 13 16 12

16 13 12 13 16 12 14 15 14 15 17 15

17 15 14 15 17 15 16 19 19 20 22 18 22 20

20 19 20 22 18 19 20

17

                   

18 18 15 17 17 17 17 15 16 18

16 18 16 16

16 16

                      

X X

X 17 14

15

14 16 7 7

7 10 10 7

7 10

7

9 8 11

10 10

11

       

 

               

9 8 9 8

10

10 8 8

13

5 0000

13 1011

12 12 10

10 8

11 10 8 10 8

10

                                      

0 0 0 4 4 4 7 7 7 7 7 7 11 11 11 9 9 9 14 14 14 14 14 14 17 17 17 17 17 17

20 21 17

20 17

19 17 20 20

17



Cm/G

 

3 3

8va

6 6 6 6 5 6 6 6 6 5

TTT T T T T T



D/G

3 3

8va

6 6 6 6 6 5

T T T T T T



D

3 3 7

8va

T T T T T T



Gm

8va

/ 0

loco

steady gliss. let ring  

Ab/G

w/ bar



w/ bar



let ring





-1 1/2

 

1



Ab7

w/ bar

let ring

 D/G



w/ bar



w/ bar



Fade out



  

             

           

   

    

    

    

    

   

20 18 15 16 15

17 15 1715 1615 18 20 18 15 16 15

17 15 1715 1615 18 18 15 13 11 20 18 15 13 11 20 18 15 13 11 20 18 15 13 11 20 18 15 13 11 20 18 15 13 11

      

     

     

     

     

   

20 17 15 14 15 17 20 17 15 14 15 17 20 17 15 11 15 17 20 17 15 14 15 17 20 17 15 14 15 17 20 17 15 14 15

        

       

       

       

       

     

22 20 17 15 14 15 17 20 22 20 17 15 14 15 17 20 22 20 17 15 14 15 17 20 22 20 17 15 14 15 17 20 22 20 17 15 14 15 17 20 22 20 17 15 14 15 17

 

     

        

20 20

00 18

7 XX 0 12

11

12 12 0 0

1313 13

1313 13

13

   

      

13 13

13 13 0

1211 10

1211 10

12 10

18

Moderately q = 90