Another ignored issue I see is that people choose the modeling methodology they use, the scoring methodology, and the data that goes into the model. The reacti

Another ignored issue I see is that people choose the modeling methodology they use, the scoring methodology, and the data that goes into the model. The reactions act as though the model has a life of its own and that some unlikely error led to these results. Purchased data/models can frequently be wrong or unhelpful to one’s modeling objective. Finance also has a number of risks vs rewards with every decision.