https://www.proz.com/personal-glossaries/entry/31157986-building-conservatism-into-the-model-predictions-%D0%B2%D1%81%D1%82%D1%80%D0%B0%D0%B8%D0%B2%D0%B0%D0%BD%D0%B8%D0%B5-%D0%BA%D0%BE%D0%BD%D1%81%D0%B5%D1%80%D0%B2%D0%B0%D1%82%D0%B8%D0%B2%D0%BD%D1%8B%D1%85-%D0%BF%D1%80%D0%B5%D0%B4%D0%BF%D0%BE%D1%81%D1%8B%D0%BB%D0%BE%D0%BA-%D0%BF%D1%80%D0%B5%D0%B4%D0%BF%D0%BE%D0%BB%D0%BE%D0%B6%D0%B5%D0%BD%D0%B8%D0%B9-%D0%B2-%D1%81%D1%85%D0%B5%D0%BC%D1%83-%D0%BF%D1%80%D0%BE%D0%B3%D0%BD%D0%BE%D0%B7%D0%BD%D0%BE%D0%B3%D0%BE-%D0%BC%D0%BE%D0%B4%D0%B5%D0%BB%D0%B8%D1%80%D0%BE%D0%B2%D0%B0%D0%BD%D0%B8%D1%8F