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@delistuff That's a super super dope update!!! Thanks for sharing, and well done for finding a worthwhile opportunity elsewhere! Good luck on your studies, really wise investment 😄

@delistuff Explanation: A bank wants to make money. how they make money, is accepting people who have less than a 10% chance of defaulting (from their model/ credit scorecard), and charge them (100%/[100-10]%=) ~11% minimum. They accept people who have less than a 20% chance of defaulting and...