<transcript><audio_34>lend to people if I go 700 and above it's not because they like them better it's because they understand the risk profile of that population inherently consumer credit like weather is a</transcript><transcript><audio_35>nonlinear problem but like most complex nonlinear problems there's a portion of it that's linearly addressable and that's what kind of makes the problem deceptive because you can accurately</transcript><transcript><audio_36>predict whether for three days you can't accurately predict whether for six months it's too chaotic and nonlinear credit is the same way you can accurately predict FICO 700 and above using the traditional</transcript> lend to people if I go 700 and above it's not because they like them better it's because they understand the risk profile of that population inherently consumer credit like weather is a nonlinear problem but like most complex nonlinear problems there's a portion of it that's linearly addressable and that's what kind of makes the problem deceptive because you can accurately predict whether for three days you can't accurately predict whether for six months it's too chaotic and nonlinear credit is the same way you can accurately predict FICO 700 and above using the traditional
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