I'll have to disagree on "there just aren't more than a few people estimating the future earnings potential of an individual" That's what we do in the mortgage

I'll have to disagree on "there just aren't more than a few people estimating the future earnings potential of an individual" That's what we do in the mortgage and insurance business, when giving long-term loans or underwrite policies. The last company I worked for (a branch of Equifax) had a full-time Statistician just for that kind of work.