Yep, that's an accurate summary! The model still features a form of "borrowing", it just happens at the granularity of groups. I wrote a more detailed answer h

Yep, that's an accurate summary! The model still features a form of "borrowing", it just happens at the granularity of groups. I wrote a more detailed answer here: https://news.ycombinator.com/item?id=45057636 https://news.ycombinator.com/item?id=45057636