The screen in turn is then configured to assign weights and scores to each factor.

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As one factor among many, test scores can provide useful data, but as the primary means of evaluating teachers test scores are too unreliable.

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The 2011-12 test scores will be a factor in some Glen Cove teachers' job-performance evaluations this year for the first time.

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The other caution is that credit scores are an important factor auto lenders use to approve or disapprove a loan, but not the only factor.

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The auto insurance industry has long maintained that deadbeats are accident-prone and has pushed state legislatures to allow credit scores to be a bigger factor in setting auto premiums.

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