Having seen how these expert systems are created, replacement is way overdue. For example a team of 10 "senior mortgage professional" spend weeks of figuring ou

Having seen how these expert systems are created, replacement is way overdue. For example a team of 10 "senior mortgage professional" spend weeks of figuring out what difference it makes if the co-applicant's age is 60 or 62. They argue, and arrive to a conclusion that it increases the risk by 0.01 (whatever). Event the simplest logistic regression training + evaluation will provide value to most insurance, mortgage or other money-related decision/"expert" systems.