A revolving credit line lets borrowers withdraw funds multiple times up to a credit limit, paying interest only on the withdrawn amount, which helps manage cash flow for businesses and individuals. To create effective revolving credit contracts, banks must manage risks and ensure profitability, factoring in inflation, interest rates, and customer behavior. This report models and predicts borrower behavior to help banks set optimal interest rates, resulting in a flexible, data-independent tool beneficial for both banks and borrowers.

In today's security landscape, cryptography has evolved significantly to meet escalating challenges, particularly in lightweight solutions suitable for microcontrollers in electronic devices. This research focuses on designing and implementing electronic solar charger circuits using Altium Designer, emphasizing the LM317 IC's operational details. It also evaluates AES, ChaCha20, and PRINCE encryption algorithms tailored for microcontrollers, integrating cryptographic acceleration cores like Nios II within the Quartus Prime environment. The study aims to advance secure data encryption practices in constrained hardware environments, enhancing security in microcontroller technology amid evolving electronic device landscapes. 

In today's context, escalating environmental pollution from plastic waste is a significant concern. Existing automatic trash-collecting robots are hindered by limited accessibility and complexity. Akshay Badkar's study on "Advantages and Disadvantages of Automation" (July 4, 2023) highlights insufficient optimization in cost and hardware of previous automated systems. This research aims to enhance robotic systems by simulating obstacle avoidance algorithms in GazeboSim with Jetson Nano and retraining object detection using OpenCV. Key achievements include establishing core functionalities like trash detection, obstacle avoidance with Lidar, and optimizing the TinyYOLOv3 model for improved efficiency and real-time performance.