{"id":701,"date":"2021-11-11T06:11:28","date_gmt":"2021-11-10T21:11:28","guid":{"rendered":"https:\/\/1up-life.blog\/?p=701"},"modified":"2021-11-11T06:11:28","modified_gmt":"2021-11-10T21:11:28","slug":"%e3%82%a2%e3%83%83%e3%83%97%e3%82%b9%e3%82%bf%e3%83%bc%e3%83%88-%e3%83%9b%e3%83%bc%e3%83%ab%e3%83%87%e3%82%a3%e3%83%b3%e3%82%b0%e3%82%b9-nasdaqupst2021%e5%b9%b4%e7%ac%ac3%e5%9b%9b%e5%8d%8a%e6%9c%9f","status":"publish","type":"post","link":"https:\/\/1up-life.blog\/?p=701","title":{"rendered":"\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8 \u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (NASDAQ:UPST)2021\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\uff08\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u30b3\u30fc\u30eb\uff09"},"content":{"rendered":"<p>\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8 \u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (NASDAQ:UPST)2021\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002IPO\u4ee5\u964d\u682a\u4fa1\u306f\u9ad8\u9a30\u3057\u3066\u304a\u308a\u6ce8\u76ee\u306e\u9298\u67c4\u3067\u3059\u306d\u3002<\/p>\n<p>\u4e8b\u696d\u5185\u5bb9\u306f\u4eba\u5de5\u77e5\u80fd(\uff21\uff29)\u3092\u6d3b\u7528\u3057\u305f\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u9280\u884c\u304a\u3088\u3073\u878d\u8cc7\u63d0\u4f9b\u8005\u306e\u30ea\u30b9\u30af\u3068\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3057\u306a\u304c\u3089\u3001\u6d88\u8cbb\u8005\u306b\u3088\u308a\u9ad8\u3044\u627f\u8a8d\u7387\u3001\u3088\u308a\u4f4e\u3044\u91d1\u5229\u3001\u305d\u3057\u3066\u5b8c\u5168\u306b\u81ea\u52d5\u5316\u3055\u308c\u305f\u52b9\u7387\u7684\u306a\u30d7\u30ed\u30bb\u30b9\u3067\u30ed\u30fc\u30f3\u5546\u54c1\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3059\u308b\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u306e\u3067\u6d88\u8cbb\u8005\u52d5\u5411\u306b\u5f71\u97ff\u3055\u308c\u308b\u306e\u3067\u52d5\u5411\u304c\u6c17\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u6c7a\u7b97\u5f8c\u306f\u682a\u4fa1\u306f\u6025\u843d\u3057\u3066\u3044\u307e\u3059\u306d\u3002<\/p>\n<div id=\"attachment_702\" style=\"width: 715px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-702\" class=\" wp-image-702\" src=\"https:\/\/1up-life.blog\/wp-content\/uploads\/2021\/11\/UPST_2021-11-11_06-08-42-300x168.png\" alt=\"\" width=\"705\" height=\"395\" srcset=\"https:\/\/1up-life.blog\/wp-content\/uploads\/2021\/11\/UPST_2021-11-11_06-08-42-300x168.png 300w, https:\/\/1up-life.blog\/wp-content\/uploads\/2021\/11\/UPST_2021-11-11_06-08-42-1024x575.png 1024w, https:\/\/1up-life.blog\/wp-content\/uploads\/2021\/11\/UPST_2021-11-11_06-08-42-768x431.png 768w, https:\/\/1up-life.blog\/wp-content\/uploads\/2021\/11\/UPST_2021-11-11_06-08-42-940x528.png 940w, https:\/\/1up-life.blog\/wp-content\/uploads\/2021\/11\/UPST_2021-11-11_06-08-42.png 1478w\" sizes=\"auto, (max-width: 705px) 100vw, 705px\" \/><p id=\"caption-attachment-702\" class=\"wp-caption-text\">UPST\u682a\u4fa1<\/p><\/div>\n<p>\u524d\u56de\u306e<a href=\"https:\/\/1up-life.blog\/?p=277\">2021\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306f\u3053\u3061\u3089<\/a>\u3067\u3059\u3002<\/p>\n<p class=\"hh hh3 main-bdr\"><span class=\"big\"><strong>\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8 \u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (NASDAQ:UPST)2021\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a<\/strong><\/span><\/p>\n<p>2021\u5e7411\u670809\u65e5\u3001\u5348\u5f8c4\u664230\u5206\uff08\u7c73\u56fd\u6771\u90e8\u6642\u9593\uff09<\/p>\n<p>Call participants:<br \/>\nJason Schmidt &#8212; Vice President of Investor Relations<br \/>\nDave Girouard &#8212; Chief Executive Officer<br \/>\nSanjay Datta &#8212; Chief Financial Officer<br \/>\nUnknown speaker<br \/>\nRamsey El-Assal &#8212; Barclays &#8212; Analyst<br \/>\nMichael Nicholas &#8212; Goldman Sachs &#8212; Analyst<br \/>\nJohn Hecht &#8212; Jefferies &#8212; Analyst<br \/>\nMatt Schindler &#8212; Bank of America Merrill Lynch &#8212; Analyst<br \/>\nMore UPST analysis<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u672c\u65e5\u306f\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306e2021\u5e743\u6708\u671f\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306b\u3054\u51fa\u5e2d\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u672c\u65e5\u306e\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u306f\u9332\u97f3\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u73fe\u6642\u70b9\u3067\u306f\u3001IR\u62c5\u5f53\u526f\u793e\u9577\u306e\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30b7\u30e5\u30df\u30c3\u30c8\u306b\u4f1a\u8b70\u3092\u5f15\u304d\u7d99\u304e\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3069\u3046\u305e\u3001\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30b7\u30e5\u30df\u30c3\u30c8 &#8212; IR\u62c5\u5f53\u526f\u793e\u9577<\/p>\n<p>\u672c\u65e5\u306f\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306e2021\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u306b\u3064\u3044\u3066\u306e\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u30b3\u30fc\u30eb\u306b\u3054\u53c2\u52a0\u3044\u305f\u3060\u304d\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u672c\u65e5\u306e\u96fb\u8a71\u4f1a\u8b70\u306b\u306f\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306e\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005\u3067\u3042\u308b\u30c7\u30a4\u30d6\u30fb\u30b8\u30ed\u30a2\u30fc\u30c9\u3068\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\u306e\u30b5\u30f3\u30b8\u30a7\u30a4\u30fb\u30c0\u30c3\u30bf\u304c\u53c2\u52a0\u3057\u3066\u3044\u307e\u3059\u3002\u59cb\u3081\u308b\u524d\u306b\u3001\u4eca\u65e5\u306e\u5e02\u5834\u304c\u9589\u3058\u305f\u76f4\u5f8c\u306b\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306f2021\u5e74\u7b2c3\u56db\u534a\u671f\u306e\u8ca1\u52d9\u7d50\u679c\u3092\u767a\u8868\u3059\u308b\u30d7\u30ec\u30b9\u30ea\u30ea\u30fc\u30b9\u3092\u767a\u8868\u3057\u3001IR\u30d7\u30ec\u30bc\u30f3\u30c6\u30fc\u30b7\u30e7\u30f3\u3092\u516c\u958b\u3057\u305f\u3053\u3068\u3092\u601d\u3044\u51fa\u3057\u3066\u3044\u305f\u3060\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u4e21\u65b9\u3068\u3082\u5f53\u793e\u306e\u6295\u8cc7\u5bb6\u5411\u3051\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\uff1air.upstart.com\u3067\u3054\u89a7\u3044\u305f\u3060\u3051\u307e\u3059\u3002<\/p>\n<p>\u30b3\u30fc\u30eb\u306e\u4e2d\u3067\u306f\u3001\u5f53\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u95a2\u9023\u3057\u305f\u7b2c4\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3084\u3001\u5c06\u6765\u7684\u306a\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u62e1\u5927\u8a08\u753b\u306a\u3069\u3001\u5c06\u6765\u306e\u898b\u901a\u3057\u306b\u95a2\u3059\u308b\u8a18\u8ff0\u3092\u884c\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u8a18\u8ff0\u306f\u3001\u5f53\u793e\u306e\u73fe\u6642\u70b9\u3067\u306e\u4e88\u6e2c\u304a\u3088\u3073\u5165\u624b\u53ef\u80fd\u306a\u60c5\u5831\u306b\u3082\u3068\u3065\u304f\u3082\u306e\u3067\u3001\u3055\u307e\u3056\u307e\u306a\u30ea\u30b9\u30af\u3001\u4e0d\u78ba\u5b9f\u6027\u304a\u3088\u3073\u4eee\u5b9a\u3092\u542b\u3093\u3067\u3044\u307e\u3059\u3002\u5b9f\u969b\u306e\u696d\u7e3e\u306f\u3001\u7c73\u56fd\u8a3c\u5238\u53d6\u5f15\u59d4\u54e1\u4f1a\uff08SEC\uff09\u3078\u306e\u63d0\u51fa\u66f8\u985e\u306b\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u69d8\u3005\u306a\u30ea\u30b9\u30af\u8981\u56e0\u306e\u7d50\u679c\u3001\u5927\u304d\u304f\u7570\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u3053\u308c\u3089\u306e\u5c06\u6765\u898b\u901a\u3057\u306b\u95a2\u3059\u308b\u8a18\u8ff0\u306b\u904e\u5ea6\u306b\u4f9d\u5b58\u3057\u306a\u3044\u3088\u3046\u306b\u6ce8\u610f\u3057\u3066\u3044\u305f\u3060\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u65b0\u305f\u306a\u60c5\u5831\u3084\u5c06\u6765\u306e\u4e8b\u8c61\u306b\u3088\u308a\u3001\u6cd5\u5f8b\u3067\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u308b\u5834\u5408\u3092\u9664\u304d\u3001\u5c06\u6765\u898b\u901a\u3057\u306b\u95a2\u3059\u308b\u8a18\u8ff0\u3092\u66f4\u65b0\u3059\u308b\u7fa9\u52d9\u3092\u8ca0\u3044\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u672c\u65e5\u306e\u96fb\u8a71\u4f1a\u8b70\u3067\u306f\u3001\u7279\u306b\u65ad\u308a\u306e\u306a\u3044\u9650\u308a\u3001\u5f53\u793e\u306e\u696d\u7e3e\u306b\u95a2\u3059\u308b\u8a00\u53ca\u306fNon-GAAP\u8ca1\u52d9\u6307\u6a19\u3068\u3057\u3066\u63d0\u4f9b\u3055\u308c\u3001\u6c7a\u7b97\u767a\u8868\u8cc7\u6599\u304a\u3088\u3073\u88dc\u8db3\u8868\u306b\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u5f53\u793e\u306eGAAP\u8ca1\u52d9\u6307\u6a19\u3068\u306e\u8abf\u6574\u3092\u884c\u3044\u307e\u3059\u3002\u96fb\u8a71\u4f1a\u8b70\u4e2d\u306b\u3067\u304d\u308b\u3060\u3051\u591a\u304f\u306e\u30a2\u30ca\u30ea\u30b9\u30c8\u306e\u8cea\u554f\u3092\u53d7\u3051\u4ed8\u3051\u308b\u305f\u3081\u306b\u3001\u6700\u521d\u306e\u8cea\u554f\u3068\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u30921\u3064\u305a\u3064\u306b\u9650\u5b9a\u3057\u3066\u3044\u305f\u3060\u304f\u3088\u3046\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u4eca\u671f\u306e\u5f8c\u534a\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306f11\u670816\u65e5\u306817\u65e5\u306b\u958b\u50ac\u3055\u308c\u308b\u30b7\u30c6\u30a3\u306e\u300c2021 FinTech Conference\u300d\u306b\u53c2\u52a0\u3057\u307e\u3059\u3002<\/p>\n<p>\u305d\u308c\u3067\u306f\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306eCEO\u3067\u3042\u308b\u30c7\u30a4\u30d6\u30fb\u30b8\u30eb\u30fc\u30a2\u30fc\u30c9\u306b\u4ea4\u4ee3\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u30c7\u30a4\u30d6\u30fb\u30b8\u30ed\u30ef\u30fc\u30c9 &#8212; 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&#8212; 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class=\"hh hh6 main-c main-bdr\"><span class=\"big\"><strong>\u8cea\u7591\u5fdc\u7b54<\/strong><\/span><\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n[\u6700\u521d\u306e\u8cea\u554f\u306f\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u306eArvind Ramnani\u3055\u3093\u304b\u3089\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>\u767a\u8a00\u8005\u4e0d\u660e<\/p>\n<p>\u3053\u3093\u306b\u3061\u306f\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u30a2\u30eb\u30f4\u30a3\u30f3\u30c9\u3055\u3093\u306e\u96fb\u8a71\u304c\u3064\u306a\u304c\u308a\u307e\u3057\u305f\u3002<\/p>\n<p>\u767a\u8a00\u8005\u4e0d\u660e<\/p>\n<p>\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3001\u30df\u30e5\u30fc\u30c8\u306b\u3057\u3066\u3044\u3066\u3059\u307f\u307e\u305b\u3093\u3002\u306f\u3044\u3002\u7b2c4\u56db\u534a\u671f\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u78ba\u304b\u306b\u3001\u6628\u5e74\u5ea6\u306e\u5bb6\u8cc3\u3092\u632f\u308a\u8fd4\u3063\u3066\u307f\u308b\u3068\u3001\u53ce\u76ca\u30ac\u30a4\u30c0\u30f3\u30b9\u30921\u51045,000\u4e07\u30c9\u30eb\u4e0a\u65b9\u4fee\u6b63\u3057\u3066\u3044\u307e\u3059\u306d\u3002\u305d\u3057\u3066\u4eca\u671f\u306f\u3001\u305d\u306e\u5f15\u304d\u4e0a\u3052\u5e45\u304c\u5c0f\u3055\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u5927\u4f536,000\u4e07\u30c9\u30eb\u304f\u3089\u3044\u3067\u3057\u3087\u3046\u304b\u3002\u78ba\u304b\u306b\u3001\u524d\u56db\u534a\u671f\u3068\u6bd4\u3079\u30662\u56db\u534a\u671f\u5206\u306e\u6642\u9593\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u524d\u56db\u534a\u671f\u306f3\u56db\u534a\u671f\u5206\u306e\u6642\u9593\u304c\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u305d\u308c\u3067\u3082\u30d3\u30fc\u30c8\u306e\u5927\u304d\u3055\u306f\u5c0f\u3055\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u3064\u307e\u308a\u3001\u76ee\u6a19\u3068\u3059\u308b\u3082\u306e\u3068\u63d0\u4f9b\u3059\u308b\u3082\u306e\u304c\u4e00\u81f4\u3059\u308b\u6bb5\u968e\u306b\u5165\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u304c\u3001\u305d\u306e\u3088\u3046\u306a\u7cbe\u5ea6\u304c\u9ad8\u307e\u308a\u3001\u305d\u306e\u7d50\u679c\u3068\u3057\u3066\u30d3\u30fc\u30c8\u306e\u5927\u304d\u3055\u304c\u4f4e\u4e0b\u3059\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u304b\uff1f<\/p>\n<p>Dave Girouard &#8212; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u3053\u3093\u306b\u3061\u306f\u3001\u30a2\u30eb\u30f4\u30a3\u30f3\u30c9\u3001\u30c7\u30a4\u30f4\u3067\u3059\u3002\u3048\u3048\u3001\u78ba\u304b\u306b\u305d\u3046\u601d\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306e\u76ee\u6a19\u306f\u3001\u6b63\u78ba\u306a\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u5f53\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u304a\u3051\u308b\u30a2\u30a6\u30c8\u30af\u30a9\u30fc\u30bf\u30fc\u306b\u3064\u3044\u3066\u7406\u89e3\u3092\u6df1\u3081\u308c\u3070\u6df1\u3081\u308b\u307b\u3069\u3001\u9069\u5ea6\u306b\u4fdd\u5b88\u7684\u306b\u306a\u308b\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u306f\u81ea\u5206\u305f\u3061\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u3064\u3044\u3066\u77e5\u3063\u3066\u3044\u308b\u3053\u3068\u3001\u4e88\u60f3\u3057\u3066\u3044\u308b\u3053\u3068\u306b\u3064\u3044\u3066\u3001\u672c\u5f53\u306e\u610f\u5473\u3067\u306e\u900f\u660e\u6027\u3092\u63d0\u4f9b\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u79c1\u305f\u3061\u306e\u30d3\u30b8\u30cd\u30b9\u306f\u30013\u6841\u3068\u3044\u3046\u9a5a\u7570\u7684\u306a\u30b9\u30d4\u30fc\u30c9\u3067\u6210\u9577\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u53ce\u76ca\u3092\u4e0a\u3052\u306a\u304c\u3089\u5229\u76ca\u3092\u4e0a\u3052\u3066\u3044\u308b\u3053\u3068\u306f\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u696d\u754c\u3067\u306f\u975e\u5e38\u306b\u30e6\u30cb\u30fc\u30af\u306a\u3053\u3068\u306a\u306e\u3067\u3001\u3053\u308c\u306b\u306f\u975e\u5e38\u306b\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3002\u4eca\u5f8c\u3082\u5408\u7406\u7684\u306b\u4e88\u6e2c\u3067\u304d\u308b\u7bc4\u56f2\u3067\u3042\u308c\u3070\u3001\u30dd\u30b8\u30c6\u30a3\u30d6\u306a\u3053\u3068\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u767a\u8a00\u8005\u4e0d\u660e<\/p>\n<p>\u7d20\u6674\u3089\u3057\u3044\u3001\u7d20\u6674\u3089\u3057\u3044\u3002\u307e\u305f\u3001\u96fb\u8a71\u4f1a\u8b70\u3067\u306f\u3001\u78ba\u304b\u306b\u81ea\u52d5\u8eca\u30d3\u30b8\u30cd\u30b9\u306b\u3064\u3044\u3066\u8a71\u3057\u3066\u3044\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u3089\u306e\u4e8b\u696d\u306f\u3001\u5f53\u521d\u306f\u878d\u8cc7\u3084\u4f4f\u5b85\u8cfc\u5165\u306a\u3069\u306e\u96a3\u63a5\u3059\u308b\u30d3\u30b8\u30cd\u30b9\u306b\u65d7\u3092\u7acb\u3066\u308b\u3088\u3046\u306a\u3082\u306e\u3067\u3057\u305f\u3002\u3053\u308c\u3089\u306e\u30e6\u30cb\u30c3\u30c8\u30a8\u30b3\u30ce\u30df\u30af\u30b9\u3092\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u308b\u3079\u304d\u3067\u3057\u3087\u3046\u304b\u3002\u3068\u3044\u3046\u306e\u3082\u3001\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u306f\u81ea\u52d5\u8eca\u5411\u3051\u3068\u306f\u5168\u304f\u7570\u306a\u308a\u307e\u3059\u3057\u3001\u4f4f\u5b85\u5411\u3051\u3068\u3082\u5168\u304f\u7570\u306a\u308b\u3068\u601d\u3046\u304b\u3089\u3067\u3059\u3002\u4eca\u5f8c2\uff5e3\u5e74\u306e\u8ca1\u52d9\u30e2\u30c7\u30eb\u3092\u8003\u3048\u308b\u4e0a\u3067\u3001\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u308c\u3070\u3088\u3044\u306e\u304b\u3001\u8ca1\u52d9\u6307\u6a19\u306e\u3088\u3046\u306a\u3082\u306e\u3092\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f<\/p>\n<p>Dave Girouard &#8211; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u3053\u306e\u8cea\u554f\u306b\u3064\u3044\u3066\u306f\u3001\u79c1\u304c\u6982\u8981\u3092\u8aac\u660e\u3057\u3001\u30b5\u30f3\u30b8\u30a7\u30a4\u304c\u3082\u3046\u5c11\u3057\u5177\u4f53\u7684\u306b\u8aac\u660e\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u822c\u7684\u306b\u3001\u5f53\u793e\u306f\u8457\u3057\u3044\u975e\u52b9\u7387\u6027\u304c\u898b\u3089\u308c\u308b\u5e02\u5834\u306b\u9032\u51fa\u3057\u307e\u3059\u3002\u305d\u308c\u306f\u3001\u6d88\u8cbb\u8005\u3084\u878d\u8cc7\u30d1\u30fc\u30c8\u30ca\u30fc\u306e\u305f\u3081\u306b\u3001\u3088\u308a\u826f\u3044\u88fd\u54c1\u3092\u4f5c\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u306b\u3068\u3063\u3066\u3082\u53ce\u76ca\u6027\u306e\u9ad8\u3044\u88fd\u54c1\u3092\u4f5c\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3001\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u696d\u754c\u306e\u4f4e\u30de\u30fc\u30b8\u30f3\u30010\u30de\u30fc\u30b8\u30f3\u3001\u8d64\u5b57\u90e8\u5206\u3092\u8ffd\u3044\u304b\u3051\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5404\u88fd\u54c1\u306e\u30e6\u30cb\u30c3\u30c8\u30a8\u30b3\u30ce\u30df\u30af\u30b9\u306f\u3001\u3042\u308b\u610f\u5473\u3067\u306f\u975e\u5e38\u306b\u7570\u306a\u3063\u3066\u3044\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u4e00\u822c\u7684\u306b\u8a00\u3048\u3070\u3001\u5f53\u793e\u306f\u660e\u3089\u304b\u306b\u5f37\u529b\u306a\u8ca2\u732e\u5229\u76ca\u7387\u3068\u5f53\u793e\u306e\u6210\u9577\u306b\u5f79\u7acb\u3064\u3082\u306e\u3092\u6c42\u3081\u3066\u3044\u307e\u3059\u3002\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8\u793e\u304c\u3069\u306e\u3088\u3046\u306a\u4f1a\u793e\u304b\u3068\u3044\u3046\u3068\u3001\u660e\u3089\u304b\u306a\u975e\u52b9\u7387\u6027\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u304a\u308a\u3001\u5f53\u793e\u306eAI\u30e2\u30c7\u30eb\u306b\u3088\u3063\u3066\u3001\u8ab0\u3082\u304c\u5f97\u3092\u3059\u308b\u904e\u5270\u306a\u7d4c\u6e08\u6027\u3092\u5b9f\u73fe\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u4f1a\u793e\u3067\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u5404\u88fd\u54c1\u306e\u8a73\u7d30\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u88fd\u54c1\u306e\u6027\u8cea\u4e0a\u3001\u307b\u3068\u3093\u3069\u5b9a\u7fa9\u304c\u7570\u306a\u308a\u307e\u3059\u304c\u3001\u79c1\u306f\u3001\u30c8\u30c3\u30d7\u30e9\u30a4\u30f3\u3068\u30dc\u30c8\u30e0\u30e9\u30a4\u30f3\u306e\u6210\u9577\u3092\u7d99\u7d9a\u7684\u306b\u63a8\u9032\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u78ba\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002\u30b5\u30f3\u30b8\u30a7\u30a4\u306b\u88dc\u8db3\u3057\u3066\u3082\u3089\u3044\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u30b5\u30f3\u30b8\u30a7\u30a4\u30fb\u30c0\u30c3\u30bf &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u306f\u3044\u3001\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u3084\u3042\u3001Arvind\u3002<\/p>\n<p>\u767a\u8a00\u8005\u4e0d\u660e<\/p>\n<p>\u3053\u3093\u306b\u3061\u306f\u3002<\/p>\n<p>Sanjay Datta &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>1\u3064\u306f\u81ea\u52d5\u30ea\u30d5\u30a1\u30a4\u3067\u3001\u3053\u306e\u5546\u54c1\u306e\u30e6\u30cb\u30c3\u30c8\u30a8\u30b3\u30ce\u30df\u30af\u30b9\u306f\u3001\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u3068\u975e\u5e38\u306b\u3088\u304f\u4f3c\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u30ed\u30fc\u30f3\u3092\u7d44\u6210\u3057\u305f\u9280\u884c\u306f\u3001\u5f53\u793e\u306b\u624b\u6570\u6599\u3092\u652f\u6255\u3044\u3001\u8cb7\u53ce\u30b3\u30b9\u30c8\u3068\u904b\u55b6\u30b3\u30b9\u30c8\u304c\u767a\u751f\u3057\u307e\u3059\u3002\u8ca2\u732e\u5229\u76ca\u7387\u306f\u3001\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u306e\u5834\u5408\u3001\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u30d5\u30a1\u30cd\u30eb\u306e\u5f37\u3055\u306b\u4f9d\u5b58\u3057\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u6642\u9593\u3092\u304b\u3051\u3066\u6539\u5584\u3057\u3066\u3044\u304f\u3082\u306e\u3067\u3042\u308a\u3001\u304a\u305d\u3089\u304f\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u3067\u898b\u3089\u308c\u305f\u3088\u3046\u306a\u30b8\u30e3\u30fc\u30cb\u30fc\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u304c\u3001\u30dd\u30ea\u30b7\u30fc\u306f\u6570\u5e74\u9045\u308c\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u4eca\u3001\u79c1\u305f\u3061\u304c\u53c2\u5165\u3057\u3066\u3044\u308b\u81ea\u52d5\u8eca\u306e\u3082\u3046\u4e00\u3064\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u3067\u3042\u308b\u3001\u81ea\u52d5\u8eca\u5c0f\u58f2\u696d\u5411\u3051\u878d\u8cc7\u3084\u8ca9\u58f2\u5e97\u3067\u306e\u5546\u54c1\u8cfc\u5165\u306b\u3064\u3044\u3066\u306f\u3069\u3046\u601d\u308f\u308c\u307e\u3059\u304b\uff1f<\/p>\n<p>\u306a\u305c\u306a\u3089\u3001\u8cfc\u5165\u8cbb\u7528\u304c\u5c11\u306a\u304f\u3066\u6e08\u3080\u304b\u3089\u3067\u3059\u3002\u307e\u305f\u3001\u8ca9\u58f2\u6642\u70b9\u3067\u306f\u3001\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u305f\u3081\u306b\u5fc5\u8981\u306a\u4f5c\u696d\u306e\u4e00\u90e8\u306f\u30c7\u30a3\u30fc\u30e9\u30fc\u304c\u884c\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u5229\u76ca\u7387\u306e\u9ad8\u3044\u5546\u54c1\u306b\u306a\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u7387\u76f4\u306b\u8a00\u3063\u3066\u3001\u4eca\u9031\u307e\u3067\u306b\u7d50\u8ad6\u3092\u51fa\u3059\u306e\u306f\u6642\u671f\u5c1a\u65e9\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u30d3\u30b8\u30cd\u30b9\u30ed\u30fc\u30f3\u3084\u4f4f\u5b85\u30ed\u30fc\u30f3\u306b\u3064\u3044\u3066\u306f\u3001\u975e\u5e38\u306b\u521d\u671f\u306e\u6bb5\u968e\u3067\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Dave\u304c\u8a00\u3063\u305f\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u4fa1\u5024\u3092\u5275\u9020\u3057\u3066\u5229\u76ca\u3092\u5f97\u308b\u6a5f\u4f1a\u3092\u672c\u5f53\u306b\u63a2\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u767a\u8a00\u8005\u4e0d\u660e<\/p>\n<p>\u7d20\u6674\u3089\u3057\u3044\u3067\u3059\u306d\u3002\u305d\u308c\u304b\u3089\u3001\u3061\u3087\u3063\u3068\u3057\u305f\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u300222\u5e74\u306823\u5e74\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u671f\u5f85\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u300222\u5e74\u300123\u5e74\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u6c42\u3081\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305d\u308c\u3089\u306e\u5e74\u3092\u8003\u3048\u59cb\u3081\u305f\u3068\u304d\u306b\u3001\u81ea\u52d5\u8eca\u304b\u3089\u306e\u53ce\u76ca\u8ca2\u732e\u3092\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u308c\u3070\u3088\u3044\u3067\u3057\u3087\u3046\u304b\uff1f\u3053\u306e\u8cea\u554f\u3092\u3059\u308b\u306e\u306f\u6642\u671f\u5c1a\u65e9\u3067\u3057\u3087\u3046\u304b\uff1f\u3057\u304b\u3057\u300122\u5e74\u306823\u5e74\u306e\u6570\u5b57\u306b\u3064\u3044\u3066\u306f\u78ba\u304b\u306b\u8003\u3048\u59cb\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Sanjay Datta\uff08\u30b5\u30f3\u30b8\u30a7\u30a4\u30fb\u30c0\u30c3\u30bf\uff09\uff1a\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u5177\u4f53\u7684\u306a\u8cea\u554f\u3092\u3059\u308b\u306b\u306f\u307e\u3060\u5c11\u3057\u65e9\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306d\u3002\u6765\u5e74\u3001\u30aa\u30fc\u30c8\u304c\u5f53\u793e\u306e\u8ca1\u52d9\u306b\u91cd\u8981\u306a\u8ca2\u732e\u3092\u3059\u308b\u3068\u4fe1\u3058\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u304c\u5177\u4f53\u7684\u306b\u4f55\u3092\u610f\u5473\u3059\u308b\u306e\u304b\u3001\u5177\u4f53\u7684\u306b\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u767a\u8a00\u8005\u4e0d\u660e<\/p>\n<p>\u7d20\u6674\u3089\u3057\u3044\u3067\u3059\u306d\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>Sanjay Datta &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u904b\u55b6\u8005<\/p>\n<p>\u6b21\u306e\u8cea\u554f\u306f\u3001\u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u306e\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb\u3055\u3093\u3067\u3059\u3002<\/p>\n<p>\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb &#8212; \u30d0\u30fc\u30af\u30ec\u30a4\u30ba &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u7686\u3055\u3093\u3001\u3053\u3093\u306b\u3061\u306f\u3002\u79c1\u306e\u8cea\u554f\u306b\u304a\u7b54\u3048\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u7b2c4\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u3001\u7b2c3\u56db\u534a\u671f\u306e\u5b9f\u7e3e\u3092\u5927\u5e45\u306b\u4e0a\u56de\u308b\u3082\u306e\u3060\u3063\u305f\u3088\u3046\u3067\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306b\u306f\u3001\u5c11\u3057\u3060\u3051\u3001\u3082\u3057\u304b\u3057\u305f\u3089\u5c0f\u3055\u306a\u88fd\u54c1\u306e\u30dd\u30b1\u30c3\u30c8\u304c\u3042\u3063\u3066\u3001\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u304c\u4f4e\u4e0b\u3057\u305f\u3088\u3046\u306b\u611f\u3058\u3089\u308c\u307e\u3059\u304c\u3001\u7b2c4\u56db\u534a\u671f\u306b\u5411\u3051\u3066\u52e2\u3044\u3092\u5897\u3057\u3066\u3044\u308b\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u7b2c4\u56db\u534a\u671f\u306b\u5411\u3051\u3066\u52e2\u3044\u3092\u5897\u3057\u3066\u3044\u308b\u3088\u3046\u306b\u611f\u3058\u3089\u308c\u307e\u3059\u3002\u7b2c4\u56db\u534a\u671f\u306e\u696d\u7e3e\u3092\u4e0a\u56de\u308b\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u81ea\u4fe1\u3092\u6301\u3063\u3066\u767a\u8868\u3067\u304d\u308b\u7406\u7531\u306b\u3064\u3044\u3066\u3001\u8a73\u3057\u304f\u8aac\u660e\u3057\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f<\/p>\n<p>Sanjay Datta &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u30e9\u30e0\u30b8\u30fc\u3001\u3053\u3061\u3089\u306f\u30b5\u30f3\u30b8\u30a7\u30a4\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>Dave Girouard &#8212; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u3044\u3044\u3048\u3001\u3069\u3046\u305e\u3001\u30b5\u30f3\u30b8\u30a7\u30a4\u3067\u3059\u3002<\/p>\n<p>\u30b5\u30f3\u30b8\u30a7\u30a4\u30fb\u30c0\u30c3\u30bf &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u79c1\u305f\u3061\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u652f\u3048\u3066\u3044\u308b\u306e\u306f\u3001\u6642\u9593\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u6539\u5584\u3055\u308c\u3066\u3044\u304f\u3082\u306e\u3067\u3059\u3002\u79c1\u305f\u3061\u306e\u696d\u7e3e\u3092\u5b9f\u969b\u306b\u727d\u5f15\u3057\u3066\u3044\u308b\u306e\u306f\u3001\u57fa\u790e\u3068\u306a\u308b\u30e2\u30c7\u30eb\u306e\u6539\u5584\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u30b9\u30e0\u30fc\u30ba\u306b\u306f\u3044\u304d\u307e\u305b\u3093\u3002\u7b2c3\u56db\u534a\u671f\u306b\u3069\u3053\u306b\u6ce8\u529b\u3057\u305f\u304b\u3092\u898b\u308b\u3068\u3001\u3044\u304f\u3064\u304b\u306e\u826f\u3044\u6210\u679c\u304c\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u7387\u76f4\u306b\u8a00\u3063\u3066\u3001\u7b2c3\u56db\u534a\u671f\u306b\u8208\u5473\u6df1\u3044\u30c8\u30d4\u30c3\u30af\u3068\u306a\u3063\u305f\u305f\u3081\u3001\u4e0d\u6b63\u884c\u70ba\u306e\u7de9\u548c\u306a\u3069\u306e\u5206\u91ce\u306b\u591a\u304f\u306e\u52b4\u529b\u3092\u8cbb\u3084\u3057\u3066\u3044\u307e\u3059\u3002\u4eca\u671f\u306e\u9032\u6357\u72b6\u6cc1\u3068\u3001\u4eca\u671f\u306e\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\u306b\u6b8b\u3063\u3066\u3044\u308b\u3082\u306e\u3092\u898b\u3066\u3001\u79c1\u305f\u3061\u306f\u975e\u5e38\u306b\u697d\u89b3\u7684\u306b\u306a\u3063\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3053\u3068\u306f\u5f53\u793e\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u3082\u53cd\u6620\u3055\u308c\u3066\u3044\u307e\u3059\u3057\u3001\u9577\u671f\u7684\u306b\u306f\u5f53\u793e\u306e\u53ce\u76ca\u30d1\u30bf\u30fc\u30f3\u306b\u3082\u53cd\u6620\u3055\u308c\u3066\u3044\u304f\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb &#8212; \u30d0\u30fc\u30af\u30ec\u30a4\u30ba &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u5206\u304b\u308a\u307e\u3057\u305f\u3002\u76f4\u9762\u3057\u3066\u3044\u308b\u4e0d\u6b63\u554f\u984c\u306b\u3064\u3044\u3066\u3001\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u8aac\u660e\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u554f\u984c\u306f\u89e3\u6c7a\u3057\u307e\u3057\u305f\u304b\uff1f\u73fe\u5728\u3082\u9032\u884c\u4e2d\u3067\u3059\u304b\uff1f\u6b21\u306e\u56db\u534a\u671f\u306b\u4f55\u304b\u5f71\u97ff\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u304b\uff1f\u4f55\u3067\u3082\u3044\u3044\u306e\u3067\u3001\u8a73\u7d30\u3092\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u308b\u3068\u52a9\u304b\u308a\u307e\u3059\u3002<\/p>\n<p>Dave Girouard &#8211; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u306f\u3044\u3001\u30e9\u30e0\u30b8\u30fc\u3067\u3059\u3002\u3053\u3061\u3089\u306f\u30c7\u30a4\u30d6\u3067\u3059\u3002\u306f\u3063\u304d\u308a\u3055\u305b\u3066\u304a\u304d\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u5f53\u793e\u306f\u5275\u696d\u4ee5\u6765\u3001\u5e38\u306b\u4e0d\u6b63\u884c\u70ba\u306b\u5bfe\u51e6\u3057\u3066\u3044\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306b\u306f\u3001\u304b\u306a\u308a\u5927\u898f\u6a21\u3067\u7d44\u7e54\u7684\u306a\u53d6\u308a\u7d44\u307f\u304c\u884c\u308f\u308c\u307e\u3057\u305f\u304c\u3001\u6700\u7d42\u7684\u306b\u306f\u5f53\u793e\u306b\u91cd\u5927\u306a\u8ca1\u52d9\u4e0a\u306e\u5f71\u97ff\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u5f53\u793e\u306f\u3053\u306e\u4e0d\u6b63\u884c\u70ba\u306b\u5bfe\u3059\u308b\u9632\u5fa1\u306b\u6210\u529f\u3057\u307e\u3057\u305f\u304c\u3001\u4e0d\u6b63\u884c\u70ba\u306b\u5bfe\u3057\u3066\u30ea\u30bd\u30fc\u30b9\u3092\u6295\u5165\u3059\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3057\u3001\u4e8b\u524d\u306b\u6e96\u5099\u3057\u3066\u3044\u305f\u3088\u308a\u3082\u591a\u304f\u306e\u9632\u5fa1\u7b56\u3092\u8b1b\u3058\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002<\/p>\n<p>\u305f\u3060\u3001\u3053\u308c\u306f\u30d3\u30b8\u30cd\u30b9\u3092\u884c\u3046\u4e0a\u3067\u306e\u7d99\u7d9a\u7684\u306a\u30b3\u30b9\u30c8\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u307e\u3067\u306b\u5927\u304d\u306a\u640d\u5931\u3092\u88ab\u3063\u305f\u3053\u3068\u304c\u306a\u3044\u3053\u3068\u306b\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3057\u3001\u4e0d\u6b63\u884c\u70ba\u306e\u767a\u751f\u7387\u3082\u3053\u308c\u307e\u3067\u3068\u540c\u69d8\u306b\u826f\u597d\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u7279\u306b\u4fa1\u5024\u304c\u3042\u308b\u3068\u306f\u601d\u3063\u3066\u3044\u307e\u305b\u3093\u3002\u79c1\u305f\u3061\u306f\u3001\u30e2\u30c7\u30eb\u306e\u69cb\u7bc9\u3084\u305d\u306e\u4ed6\u306e\u3053\u3068\u3092\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u306f\u3001\u6d88\u8cbb\u8005\u5411\u3051\u306e\u91d1\u878d\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u4f01\u696d\u3068\u3057\u3066\u5f53\u7136\u306e\u3053\u3068\u306a\u306e\u3067\u3059\u3002<\/p>\n<p>\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb &#8212; \u30d0\u30fc\u30af\u30ec\u30a4\u30ba &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u8cea\u554f\u8005<\/p>\n<p>\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u306e\u30de\u30a4\u30b1\u30eb\u30fb\u30cb\u30b3\u30e9\u30b9\u3055\u3093\u3067\u3059\u3002<\/p>\n<p>\u30de\u30a4\u30b1\u30eb\u30fb\u30cb\u30b3\u30e9\u30b9 &#8212; \u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3053\u3093\u306b\u3061\u308f\u3001\u3053\u3093\u306b\u3061\u306f\u3002\u8cea\u554f\u3092\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u30022\u3064\u3060\u3051\u8cea\u554f\u304c\u3042\u308a\u307e\u3059\u30021\u3064\u76ee\u306f\u3001\u5c0f\u984d\u30ed\u30fc\u30f3\u5546\u54c1\u306b\u3064\u3044\u3066\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u304a\u8a71\u3057\u3044\u305f\u3060\u3051\u306a\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002\u3053\u306e\u5546\u54c1\u306f\u5e45\u5e83\u3044\u6226\u7565\u306b\u3069\u306e\u3088\u3046\u306b\u9069\u5408\u3059\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u5e02\u5834\u3067\u306e\u30b7\u30a7\u30a2\u62e1\u5927\u3092\u52a0\u901f\u3055\u305b\u308b\u3082\u306e\u306a\u306e\u304b\u3001\u305d\u308c\u3068\u3082\u5225\u306e\u6a5f\u4f1a\u3092\u898b\u51fa\u3059\u3082\u306e\u306a\u306e\u304b\u3002\u6b21\u306b\u3001\u7b2c4\u56db\u534a\u671f\u306e\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\uff08\u5e73\u5747\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\uff09\u3068\u3001\u7b2c4\u56db\u534a\u671f\u3001\u305d\u3057\u30662022\u5e74\u306b\u5411\u3051\u3066\u3001\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u3066\u3044\u304f\u3079\u304d\u304b\u306b\u3064\u3044\u3066\u3001\u5c11\u3057\u304a\u8a71\u3044\u305f\u3060\u3051\u307e\u3059\u304b\u3002<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>Dave Girouard &#8212; 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&#8212; \u30c1\u30fc\u30d5\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30aa\u30d5\u30a3\u30b5\u30fc<\/p>\n<p>\u3053\u3093\u306b\u3061\u306f\u3001\u30de\u30a4\u30b1\u30eb\u3002\u30ed\u30fc\u30f3\u306e\u898f\u6a21\u306b\u3064\u3044\u3066\u306f\u3001\u5927\u304d\u304f\u5206\u3051\u30662\u3064\u306e\u8981\u56e0\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u30021\u3064\u306f\u5149\u5b66\u7684\u306a\u3082\u306e\u3001\u3082\u30461\u3064\u306f\u73fe\u5b9f\u7684\u306a\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>\u7279\u306b\u3001Dave\u304c\u8aac\u660e\u3057\u305f\u3088\u3046\u306b\u3001\u307e\u3059\u307e\u3059\u591a\u304f\u306e\u9280\u884c\u304c\u30b5\u30a4\u30af\u30eb\u30ac\u30fc\u30c9\u30ec\u30fc\u30eb\u3092\u5ec3\u6b62\u3057\u3066\u3044\u307e\u3059\u3002Dave\u304c\u8aac\u660e\u3057\u305f\u3088\u3046\u306b\u3001\u307e\u3059\u307e\u3059\u591a\u304f\u306e\u9280\u884c\u304c\u30b5\u30a4\u30af\u30eb\u30ac\u30fc\u30c9\u30ec\u30fc\u30eb\u3092\u5ec3\u6b62\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u5f53\u793e\u304c\u3067\u304d\u308b\u3053\u3068\u306f\u3001\u30aa\u30ea\u30b8\u30cd\u30fc\u30b7\u30e7\u30f3\u3068\u30a2\u30f3\u30c0\u30fc\u30e9\u30a4\u30c8\u306e\u7bc4\u56f2\u3092\u72ed\u3081\u308b\u3053\u3068\u3067\u3059\u3002\u305d\u3046\u3059\u308b\u3068\u3001\u5f53\u7136\u306a\u304c\u3089\u3001\u30ea\u30b9\u30af\u304c\u9ad8\u3044\u305f\u3081\u306b\u53d7\u3051\u53d6\u308b\u91d1\u984d\u304c\u5c0f\u3055\u304f\u306a\u308b\u501f\u308a\u624b\u3068\u4ed5\u4e8b\u3092\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u3046\u3059\u308b\u3068\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u69cb\u6210\u304c\u5909\u5316\u3057\u3001\u305d\u308c\u304c\u5e73\u5747\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u306f\u5149\u5b66\u7684\u52b9\u679c\u3068\u547c\u3093\u3067\u3044\u307e\u3059\u3002\u5b9f\u969b\u306e\u52b9\u679c\u3068\u3057\u3066\u306f\u3001\u6628\u5e74\u306e\u6625\u306e\u7d42\u308f\u308a\u9803\u304b\u3089\u3001\u5b9f\u8cea\u7684\u306a\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\u306f\u304b\u306a\u308a\u4e00\u8cab\u3057\u3066\u6e1b\u5c11\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u305d\u308c\u306f\u3001\u3053\u306e\u56db\u534a\u671f\u672b\u307e\u3067\u307b\u307c\u4e00\u8cab\u3057\u3066\u7d9a\u3044\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u30ed\u30fc\u30f3\u9700\u8981\u304c\u6291\u5236\u3055\u308c\u305f\u3053\u3068\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u304c\u3001\u3082\u3068\u3082\u3068\u306f\u666f\u6c17\u523a\u6fc0\u7b56\u306b\u3088\u308b\u3082\u306e\u3067\u3057\u305f\u3002<\/p>\n<p>\u3053\u308c\u304c\u4eca\u5f8c\u3069\u306e\u3088\u3046\u306b\u4f1d\u64ad\u3057\u3066\u3044\u304f\u306e\u304b\u306f\u307e\u3060\u308f\u304b\u308a\u307e\u305b\u3093\u304c\u3001\u79c1\u304c\u767a\u8a00\u3057\u305f\u3088\u3046\u306b\u3001\u30de\u30af\u30ed\u7d4c\u6e08\u306e\u89b3\u70b9\u304b\u3089\u306f\u3001\u8caf\u84c4\u7387\u3084\u4fe1\u7528\u6b8b\u9ad8\u306b\u95a2\u3057\u3066\u7d4c\u6e08\u304c\u6b63\u5e38\u5316\u3059\u308b\u5146\u3057\u304c\u898b\u3048\u59cb\u3081\u3066\u3044\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u304c\u672c\u5f53\u306b\u6b63\u78ba\u3067\u3042\u308c\u3070\u3001\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\u304c\u5b89\u5b9a\u3057\u3001\u8caf\u84c4\u7387\u304c\u4f4e\u4e0b\u3057\u3066\u4fe1\u7528\u50b5\u5238\u304c\u56de\u5fa9\u3059\u308b\u306b\u3064\u308c\u3066\u3001\u6700\u7d42\u7684\u306b\u306f\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\u304c\u5f90\u3005\u306b\u5927\u304d\u304f\u306a\u3063\u3066\u3044\u304f\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u4e88\u6e2c\u3068\u3044\u3046\u3088\u308a\u3082\u3001\u4eee\u8aac\u306b\u8fd1\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306d\u3002\u30ed\u30fc\u30f3\u30b5\u30a4\u30ba\u306b\u95a2\u3057\u3066\u306f\u3001\u3053\u308c\u304c\u73fe\u5728\u306e\u72b6\u6cc1\u3067\u3059\u3002<\/p>\n<p>\u30de\u30a4\u30b1\u30eb\u30fb\u30cb\u30b3\u30e9\u30b9 &#8212; \u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u5206\u304b\u308a\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3001Dave\u3002\u30b5\u30f3\u30b8\u30a7\u30a4\u3001\u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n<p>Dave Girouard &#8212; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3001\u30de\u30a4\u30af\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u6b21\u306e\u8cea\u554f\u306f\uff0c\u30b8\u30a7\u30d5\u30ea\u30fc\u30ba\u306e\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8\u3055\u3093\u3067\u3059\u3002<\/p>\n<p>\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8 &#8212; \u30b8\u30a7\u30d5\u30ea\u30fc\u30ba &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u79c1\u306e\u8cea\u554f\u306b\u304a\u7b54\u3048\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u6700\u521d\u306e\u8cea\u554f\u306f\u3001\u30d5\u30a1\u30cd\u30eb\u306b\u3064\u3044\u3066\u3067\u3059\u3002\u65b0\u898f\u9867\u5ba2\u3092\u7372\u5f97\u3059\u308b\u305f\u3081\u306e\u30c1\u30e3\u30cd\u30eb\u3084\u30bd\u30fc\u30b9\u306b\u3064\u3044\u3066\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002\u52e2\u3044\u304c\u3042\u308a\u3001\u7d99\u7d9a\u7684\u306a\u9867\u5ba2\u304c\u76f4\u63a5\u30b5\u30a4\u30c8\u3092\u8a2a\u308c\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u30d5\u30ed\u30f3\u30c8\u30a8\u30f3\u30c9\u306e\u69cb\u6210\u306b\u3064\u3044\u3066\u3001\u4f55\u304b\u30b3\u30e1\u30f3\u30c8\u3084\u7279\u5fb4\u306f\u3042\u308a\u307e\u3059\u304b\uff1f<\/p>\n<p>Dave Girouard &#8212; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u30b8\u30e7\u30f3\u3001\u79c1\u305f\u3061\u306f\u975e\u5e38\u306b\u6025\u901f\u306a\u6210\u9577\u3092\u9042\u3052\u307e\u3057\u305f\u304c\u3001\u305d\u308c\u306f\u3059\u3079\u3066\u306e\u30c1\u30e3\u30cd\u30eb\u3067\u306e\u3053\u3068\u3067\u3042\u308a\u3001\u30c1\u30e3\u30cd\u30eb\u3054\u3068\u306e\u6210\u9577\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u4f8b\u3048\u3070\u3001\u3044\u304f\u3064\u304b\u306e\u9280\u884c\u304c\u7a81\u7136FICO\u30b9\u30b3\u30a2\u3092\u3084\u3081\u305f\u3053\u3068\u3067\u3001\u305d\u306e\u9280\u884c\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u304c\u3053\u308c\u307e\u3067\u9001\u3089\u308c\u3066\u3053\u306a\u304b\u3063\u305f\u30c8\u30e9\u30d5\u30a3\u30c3\u30af\u3092\u9001\u3063\u3066\u304f\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u305d\u308c\u306f\u5fc5\u305a\u3057\u3082\u591a\u304f\u306e\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u3082\u305f\u3089\u3059\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u3088\u3046\u306a\u5f71\u97ff\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u4e00\u822c\u7684\u306b\u8a00\u3048\u3070\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u4f01\u696d\u306e\u30c8\u30e9\u30d5\u30a3\u30c3\u30af\u306f\u7d20\u6674\u3089\u3057\u3044\u3082\u306e\u3067\u3059\u3002\u30c7\u30b8\u30bf\u30eb\u3067\u306f\u5927\u304d\u306a\u9032\u6b69\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u30ea\u30d4\u30fc\u30c8\u30ed\u30fc\u30f3\u306f\u3001\u793e\u5185\u3067\u306f\u300c\u30e9\u30a4\u30d5\u30b5\u30a4\u30af\u30eb\u30fb\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u300d\u3068\u547c\u3093\u3067\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u69d8\u3005\u306a\u8981\u56e0\u304c\u7d61\u307f\u5408\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30c0\u30a4\u30ec\u30af\u30c8\u30e1\u30fc\u30eb\u306f\u3001\u5f15\u304d\u7d9a\u304d\u5f53\u793e\u306b\u3068\u3063\u3066\u975e\u5e38\u306b\u751f\u7523\u7684\u306a\u30c1\u30e3\u30cd\u30eb\u3067\u3059\u3002\u8ab0\u304b\u304c\u826f\u304f\u306a\u308a\u3001\u5f53\u793e\u304c\u878d\u8cc7\u3067\u304d\u308b\u76f8\u624b\u3084\u9280\u884c\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u304c\u5b66\u3093\u3067\u3044\u308b\u76f8\u624b\u306e\u6570\u304c\u5897\u3048\u308c\u3070\u3001\u305d\u308c\u306f\u4e00\u822c\u7684\u306b\u30c1\u30e3\u30cd\u30eb\u3092\u8d85\u3048\u3066\u4f1d\u308f\u308a\u307e\u3059\u3002\u3053\u308c\u3053\u305d\u304c\u30af\u30ed\u30b9\u30c1\u30e3\u30cd\u30eb\u306e\u6539\u5584\u3067\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30b8\u30e7\u30f3\u30fb\u30d8\u30af\u30c8 &#8212; \u30b8\u30a7\u30d5\u30ea\u30fc\u30ba &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u305d\u308c\u304b\u3089\u3001\u6295\u8cc7\u5bb6\u306e\u65b9\u3005\u306e\u304a\u8a71\u3092\u4f3a\u3044\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u6295\u8cc7\u5bb6\u306e\u65b9\u3005\u306e\u9700\u8981\u304c\u4e16\u754c\u7684\u306b\u5287\u7684\u306b\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3088\u306d\u3002\u8cc7\u672c\u914d\u5206\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u3001\u4eca\u3082\u305d\u3046\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u9280\u884c\u3084\u4fe1\u7528\u7d44\u5408\u306e\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u306b\u3064\u3044\u3066\u3001\u77ed\u671f\u7684\u306b\u671f\u5f85\u3059\u3079\u304d\u30b3\u30e1\u30f3\u30c8\u306f\u3042\u308a\u307e\u3059\u304b\uff1f<\/p>\n<p>Dave Girouard &#8212; 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&#8212; 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&#8212; \u30b8\u30a7\u30d5\u30ea\u30fc\u30ba &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3054\u610f\u898b\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>Sanjay Datta &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3001\u30b8\u30e7\u30f3\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u6b21\u306e\u8cea\u554f\u306f\u3001\u30d0\u30f3\u30af\u30fb\u30aa\u30d6\u30fb\u30a2\u30e1\u30ea\u30ab\u306e\u30de\u30c3\u30c8\u30fb\u30b7\u30f3\u30c9\u30e9\u30fc\u3055\u3093\u3067\u3059\u3002<\/p>\n<p>\u30de\u30c3\u30c8\u30fb\u30b7\u30f3\u30c9\u30e9\u30fc &#8212; \u30d0\u30f3\u30af\u30aa\u30d6\u30a2\u30e1\u30ea\u30ab\u30fb\u30e1\u30ea\u30eb\u30ea\u30f3\u30c1 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u7686\u3055\u3093\u3001\u3053\u3093\u306b\u3061\u306f\u3002\u7686\u3055\u3093\u304c\u304a\u3063\u3057\u3083\u3063\u3066\u3044\u305f\u9577\u671f\u7684\u306a\u8a71\u3001\u3064\u307e\u308a\u3001\u4ed6\u306e\u30ed\u30fc\u30f3\u30bf\u30a4\u30d7\u306b\u81ea\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u3069\u306e\u3088\u3046\u306b\u5229\u7528\u3067\u304d\u308b\u304b\u306b\u3064\u3044\u3066\u3001\u5c11\u3057\u304a\u8a71\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u500b\u4eba\u5411\u3051\u30ed\u30fc\u30f3\u3084\u81ea\u52d5\u8eca\u30ed\u30fc\u30f3\u306fABS\u5e02\u5834\u3067\u8ca9\u58f2\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>FICO\u3088\u308a\u3082\u512a\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u8a3c\u660e\u3067\u304d\u308c\u3070\u3001\u305d\u308c\u3060\u3051\u3067\u30d7\u30ec\u30df\u30a2\u30e0\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u3002\u8cc7\u91d1\u8abf\u9054\u304c\u3046\u307e\u304f\u3044\u304f\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u3001\u30ed\u30fc\u30f3\u306e\u8ca9\u58f2\u3082\u3046\u307e\u304f\u3044\u304f\u3067\u3057\u3087\u3046\u3002\u3057\u304b\u3057\u3001\u4f4f\u5b85\u3084\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u3088\u3046\u306b\u3001\u57fa\u672c\u7684\u306b\u3059\u3079\u3066GSE\u306b\u8ca9\u58f2\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u306b\u3064\u3044\u3066\u306f\u3001\u30d5\u30a1\u30cb\u30fc\u30e1\u30a4\u304c\u57fa\u672c\u7684\u306b\u8ab0\u304c\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u304b\u3092\u6c7a\u3081\u3066\u3044\u308b\u3088\u3046\u306a\u4e16\u754c\u3067\u3001\u3042\u306a\u305f\u306e\u30b7\u30b9\u30c6\u30e0\u306f\u3069\u306e\u3088\u3046\u306b\u6a5f\u80fd\u3059\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<p>Dave Girouard &#8212; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u30de\u30c3\u30c8\u3001\u30c7\u30a4\u30d6\u3067\u3059\u3002\u307e\u305a\u3001\u4f4f\u5b85\u30ed\u30fc\u30f3\u306b\u306f\u69d8\u3005\u306a\u65b9\u6cd5\u3067\u8cc7\u91d1\u304c\u4f9b\u7d66\u3055\u308c\u307e\u3059\u304c\u3001\u9069\u683c\u306a\u3082\u306e\u3082\u3042\u308c\u3070\u305d\u3046\u3067\u306a\u3044\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002GSE\u306e\u898f\u5247\u306f\u6642\u3068\u3068\u3082\u306b\u5909\u5316\u3057\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u3053\u306e\u5e02\u5834\u306b\u306f\u69d8\u3005\u306a\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u305d\u3046\u306f\u8a00\u3063\u3066\u3082\u3001\u73fe\u5728\u3001\u59a5\u5f53\u306a\u4fa1\u683c\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u3092\u5229\u7528\u3067\u304d\u306a\u3044\u4eba\u3005\u306b\u306f\u3001\u3088\u308a\u826f\u3044\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u6a5f\u4f1a\u304c\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u8cc7\u91d1\u8abf\u9054\u3092\u9280\u884c\u306e\u30d0\u30e9\u30f3\u30b9\u30b7\u30fc\u30c8\u304b\u3089\u884c\u3046\u306e\u304b\u3001\u8a3c\u5238\u5316\u5e02\u5834\u304b\u3089\u884c\u3046\u306e\u304b\u3001GSE\u304b\u3089\u884c\u3046\u306e\u304b\u3001\u3042\u308b\u3044\u306f\u305d\u308c\u3089\u3092\u7d44\u307f\u5408\u308f\u305b\u3066\u884c\u3046\u306e\u304b\u306f\u3001\u6642\u9593\u3092\u304b\u3051\u3066\u691c\u8a0e\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u304c\u4f55\u3092\u3057\u3066\u3044\u308b\u306e\u304b\u3001\u305d\u3057\u3066\u79c1\u305f\u3061\u304c\u8ab0\u3067\u3042\u308b\u306e\u304b\u3092\u8003\u3048\u308b\u3068\u3001\u307b\u3068\u3093\u3069\u306e\u30e2\u30fc\u30b2\u30fc\u30b8\u30aa\u30ea\u30b8\u30cd\u30fc\u30bf\u30fc\u304c\u73fe\u5728\u4f7f\u7528\u3057\u3066\u3044\u308b\u30e2\u30c7\u30eb\u3092\u4f7f\u3063\u3066\u3001\u4ed6\u306e\u65b9\u6cd5\u3067\u306f\u7c21\u5358\u306b\u9069\u683c\u306a\u4f4f\u5b85\u30ed\u30fc\u30f3\u306b\u9069\u5408\u3057\u306a\u3044\u4eba\u3092\u3088\u308a\u3088\u304f\u5f15\u304d\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3001\u79c1\u305f\u3061\u306f\u78ba\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u5e02\u5834\u3067\u306f\u5341\u5206\u306a\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3089\u308c\u306a\u3044\u4eba\u304c\u975e\u5e38\u306b\u591a\u3044\u306e\u3067\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u3067\u3042\u308b\u9280\u884c\u3068\u5354\u529b\u3057\u3066\u3088\u308a\u826f\u3044\u5546\u54c1\u3092\u4f5c\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30de\u30c3\u30c8\u30fb\u30b7\u30f3\u30c9\u30e9\u30fc &#8212; \u30d0\u30f3\u30af\u30aa\u30d6\u30a2\u30e1\u30ea\u30ab\u30fb\u30e1\u30ea\u30eb\u30ea\u30f3\u30c1 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u308f\u304b\u308a\u307e\u3057\u305f\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>Dave Girouard &#8212; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3001\u30de\u30c3\u30c8\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u4ee5\u4e0a\u3067\u3001\u672c\u65e5\u306e\u8cea\u7591\u5fdc\u7b54\u3092\u7d42\u4e86\u3044\u305f\u3057\u307e\u3059\u3002\u305d\u308c\u3067\u306f\u3001\u6700\u5f8c\u306b\u3054\u6328\u62f6\u3092\u304a\u9858\u3044\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>Dave Girouard &#8212; \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u7686\u3055\u3093\u306b\u611f\u8b1d\u306e\u6c17\u6301\u3061\u3092\u4f1d\u3048\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u7d20\u6674\u3089\u3057\u3044\u56db\u534a\u671f\u3067\u3042\u308a\u3001IPO\u4ee5\u6765\u306e\u7d20\u6674\u3089\u3057\u30441\u5e74\u3067\u3057\u305f\u3002\u79c1\u305f\u3061\u306f\u3001\u3053\u308c\u307e\u3067\u306b\u6210\u3057\u9042\u3052\u3066\u304d\u305f\u3053\u3068\u306b\u3068\u3066\u3082\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u4ee5\u4e0a\u306b\u76ee\u306e\u524d\u306b\u3042\u308b\u3082\u306e\u306b\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u3053\u308c\u307e\u3067\u306b\u4eca\u5f8c\u306e\u65b9\u5411\u6027\u306e\u67a0\u7d44\u307f\u306b\u3064\u3044\u3066\u8aac\u660e\u3057\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u5f53\u793e\u306f\u304b\u3064\u3066\u306a\u3044\u307b\u3069\u5f37\u56fa\u3067\u3001\u4eca\u5f8c\u306e\u5c55\u671b\u3084\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u696d\u754c\u3067\u4f55\u304c\u3067\u304d\u308b\u304b\u306b\u3064\u3044\u3066\u3001\u3053\u308c\u307e\u3067\u4ee5\u4e0a\u306b\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u305d\u308c\u3067\u306f\u3001\u4eca\u671f\u3082\u3054\u53c2\u52a0\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\uff01\u307e\u305f\u6570\u30f5\u6708\u5f8c\u306b\u304a\u4f1a\u3044\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u4ee5\u4e0a\u3067\u3059\u3002\u4ed6\u306e\u7ffb\u8a33\u5e0c\u671b\u304c\u3042\u308c\u3070\u3054\u9023\u7d61\u3044\u305f\u3060\u3051\u308c\u3070\u691c\u8a0e\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n<p>\uff0a\u8aa4\u8a33\u306a\u3069\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3067\u306e\u53c2\u8003\u7a0b\u5ea6\u306b\u3057\u3066\u3044\u305f\u3060\u304d\u6295\u8cc7\u306f\u81ea\u5df1\u5224\u65ad\u3067\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>\u30d6\u30ed\u30b0\u904b\u55b6\u306e\u52b1\u307f\u306b\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u304a\u624b\u6570\u3067\u3059\u304c\u3001\u5fdc\u63f4\u306e\uff11\u65e5\uff11\u30af\u30ea\u30c3\u30af\u3092\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u81f4\u3057\u307e\u3059\u3002<\/p>\n<p>\u2193\u2193\uff1c\u5fdc\u63f4\u30af\u30ea\u30c3\u30af\u304a\u9858\u3044\u3057\u307e\u3059\uff1e<\/p>\n<p><a href=\"https:\/\/stock.blogmura.com\/stockinfo\/ranking\/in?p_cid=11118987\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/b.blogmura.com\/stock\/stockinfo\/88_31.gif\" alt=\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751 \u682a\u30d6\u30ed\u30b0 \u682a\u5f0f\u6295\u8cc7\u60c5\u5831\u3078\" width=\"88\" height=\"31\" border=\"0\"><\/a><br \/>\n<a href=\"https:\/\/stock.blogmura.com\/stockinfo\/ranking\/in?p_cid=11118987\" target=\"_blank\" rel=\"noopener\">\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n<p><a href=\"https:\/\/stock.blogmura.com\/americastock\/ranking\/in?p_cid=11118987\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/b.blogmura.com\/stock\/americastock\/88_31.gif\" alt=\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751 \u682a\u30d6\u30ed\u30b0 \u7c73\u56fd\u682a\u3078\" width=\"88\" height=\"31\" border=\"0\"><\/a><br \/>\n<a href=\"https:\/\/stock.blogmura.com\/americastock\/ranking\/in?p_cid=11118987\" target=\"_blank\" rel=\"noopener\">\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n<p><a href=\"https:\/\/stock.blogmura.com\/ranking\/in?p_cid=11118987\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/b.blogmura.com\/stock\/88_31.gif\" alt=\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751 \u682a\u30d6\u30ed\u30b0\u3078\" width=\"88\" height=\"31\" border=\"0\"><\/a><br \/>\n<a href=\"https:\/\/stock.blogmura.com\/ranking\/in?p_cid=11118987\" target=\"_blank\" rel=\"noopener\">\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30a2\u30c3\u30d7\u30b9\u30bf\u30fc\u30c8 \u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (NASDAQ:UPST)2021\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002IPO\u4ee5\u964d\u682a\u4fa1\u306f\u9ad8\u9a30\u3057\u3066\u304a\u308a\u6ce8\u76ee\u306e\u9298\u67c4\u3067\u3059\u306d\u3002 \u4e8b\u696d\u5185\u5bb9\u306f\u4eba\u5de5\u77e5\u80fd(\uff21\uff29)\u3092\u6d3b\u7528\u3057\u305f\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u9280\u884c\u304a\u3088\u3073 &#8230; <\/p>\n","protected":false},"author":1,"featured_media":278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[129,131,76,130,105,83],"class_list":["post-701","post","type-post","status-publish","format-standard","has-post-thumbnail","category-72","tag-upst","tag-131","tag-76","tag-130","tag-105","tag-83"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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