Finance

Network credit models aren’t “inexplicable”—they can and must give faithful reasons Adopt “no reason, no model”: require per-decision reason packets and auditable graph explanations Regulators and institutions should enforce this operational XAI so that denials are accountable and contestable

AVs must pass an insurance test—no policy, no deployment Permits should hinge on corridor-specific coverage and quarterly audited claims data Keep driver-assist and driverless distinct; if it’s not insurable at market rates, it’s not permissible

AI accelerates information cascades, turning rumors into rapid bank runs Stability now hinges on dampening synchronized behavior, not just capital buffers Build rumor-aware stress tests, fast disclosures, and drill-based curricula

Korean GDP growth was 6.4%/y for 50 years until 2022, but down to 2.1%/y in 2020s.Due to low birthrate down to 0.7, population is expected to 1/2 in 30 years.Policy fails due to nationwide preference to leftwing agenda.

When an expectation for future is shared, market reflects it immediatelyUS Fed hints to lower interest rates in March, which is already reflected in prices