$50 here we come..., page-899

So again no relevance to the post, just you "educating me" on how to best learn?

More smoke and mirrors mate. Your comment about not learning when sitting on a committee tells me you have never sat on one.

Happy to be corrected? Also might be worth for you to tell us what your experience with champion/challenger model. Clearly you are more qualified than someone who has sat in on Credit Risk Modelling Committees in a Financial Institution.

But first... Answer why you think Afterpay doesn't have a quantitative credit risk model (or champion model). Just to add a bit of humor to this thread I think we could all use a laugh.