<caption><image_75>The image shows a man standing in front of a large screen with the logo of TUA Financial on it. He is wearing a blue shirt and has a red blindfold covering his eyes. He appears to be giving a presentation or presentation to a group of people sitting in a room with a kitchen in the background. The man is standing with his arms crossed and is gesturing with his hands as he speaks.</caption> yeah you know lending is heavily regulated and and you have to be very careful about using anything like demographic data or macroeconomic data for instance in in our models we exclude first name and last name because names are indicative of race indicative of gender indicative of ethnicity we exclude birthdays obviously we exclude zip codes because in the US and and I'm sure in Canada as well as if code or a postal code gives you is a proxy for race it's illegal to do to use those things in in most advanced cultures so we're very aware that you know just because something may be predictive doesn't mean that it's legal or ethical to use one of the things a lot of people have looked at is social media data all right and so there are people who have
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