That's not going to short circuit or outsmart the risk model that its up against. It's going to spit out the most creditworthy applications, so you can then ge

That's not going to short circuit or outsmart the risk model that its up against. It's going to spit out the most creditworthy applications, so you can then generate your own... after you deposit $5M in the bank. At worst you can slightly more easily reverse engineer the risk model.