I wish good data existed on this, but most would be confidential, and this is very hard to measure to begin with. Ultimately it's a judgment call. There isn't

I wish good data existed on this, but most would be confidential, and this is very hard to measure to begin with. Ultimately it's a judgment call. There isn't a black and white, but Joel is giving a Year 2000 plea that people at the time were tilting the wrong way.