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Deep Learning architectures like Sequence to Sequence are uniquely suited for generating text and researchers are hoping to make rapid progress in this area.This guide is mostly based on the work done by Denny Britz who has done a phenomenal job exploring the depths of Deep Learning for Bots. In this series I want to go over some of the Deep Learning techniques that are used to build conversational agents, starting off by explaining where we are right now, what’s possible, and what will stay nearly impossible for at least a little while.Retrieval-based models (easier) use a repository of predefined responses and some kind of heuristic to pick an appropriate response based on the input and context.It also noted that Santander Consumer has yet to resolve an inquiry by the SEC related to the firm's credit-loss allowance.The filing suggests that the SEC has questions about a change, announced in October 2015, in how Santander Consumer determines its quarterly provision for credit losses.
During the company's third-quarter 2015 earnings call, executives said that the accounting change would help the firm adjust for seasonality in its business.