text: //this code had an override to load immediately
  var ViewModel = function() {
      this.first = ko.observable("Bob");
      this.last = ko.observable("Smith");
  
      this.full = ko.computed(function() {
          return this.first() + " " + this.last();
      }, this);
  };
  
  ko.applyBindings(new ViewModel());
  