l1:
l2: fred standard factors dataset factormodels featurenegine to max expl var and store sensitivites implied spots from fwd curve: par -> spots -> fwd carhart model monthly return var 1%, 5%, or 16% (one standard deviation below the mean for a normal distribution) or min of top 5% of losses; cvar vasicek, CIR, gauss+ cost of equity calcs
secparser --> xml RDS -> Web regression plot; 3 cols, 4 rows.