Well, they do have an algorithm. That's why this service works. Unless you were selected at random, no one reads the paperwork you submit until someone thinks

Well, they do have an algorithm. That's why this service works. Unless you were selected at random, no one reads the paperwork you submit until someone thinks you've done something wrong. They're just evidence that will be examined in the future, so it needs to check out. For one accounting is fiendishly complex but I would also bet that there is some tiny, irreducible step you need a human being to glance at the paperwork and say "it doesn't look like they're trying to scam us".