The chinese Canadian developed a formula for measuring relative mortgage risk that spit out an easy to understand number. He told people the limits of the equation and that you can't just use it blindly.
Bank managers choose to ignore him and used it blindly.
Because it is relative, it only ranks your risk compared to others in the group, so if everyone in the group is at a high risk, you still got a good score even if you are high risk.
The idiot mortgage managers did their jobs poorly.
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Today's Featured Article - Gettin My Old Tractor Home - by Clayton Sweeney. My name is Clayton Sweeney. I am from Southern Maryland in a small town called Lothian. I am 20 and my father and I are the proud owner of a 1954 Allis Chalmers WD-45. When I was 18, I dated a girl in the next county over. Her family are tobacco farmers. It was a cold Thanksgiving evening, and we were going up to her Grandparents house. As we passed one of their barns, I noticed something orange in the corner of my eye in this old shed. It was pretty dark and I asked what it was
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