The problems with the mathematical models started when banks started offering mortgages without knowing a borrower’s assets or income. (These were called “NINjA” loans, as in “No Income? No Assets?
Here is a loan anyway.”) Models don’t generally run very well unless you have good data to plug into the model; therefore, analysts were forced to make what amounted to an educated guess as to the
chance that a NINjA loan would end in default. …
I know what your thinking, I know what your motive is …
IN THE ENTIRE HISTORY OF MAN, NO ONE HAS EVER BEEN BRAINWASHED AND REALIZED, OR
BELIEVED, THAT HE HAD BEEN BRAINWASHED. Those who have been brainwashed will
usually passionately defend their manipulators, claiming they have simply been
“shown the light” … or have been transformed in miraculous ways. …
They said they used placebo treatments several times a month, and usually
described the pill or injection as “a potentially beneficial medicine not
typically used for your condition.” …