4/ On the one hand, yes. On the other hand, it took me about 3 seconds to flip into "OMG, OMG, I'm 20 years late in starting retirement savings. OMG, OMG, I'm 2 million dollars underwater." https://twitter.com/simon_as_twit/status/1040597172549378048 …
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Unscannable!
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sure, but it uses other data to deduce future performance. And that's smart, in the general case! ...but my behavior (having zero evidence of assets, having lots of evidence that my credit line is usually 2/3 used up) correlates with a mediocre liklihood of future payment
End of conversation
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"he doesn't borrow much! clearly it's because he can't afford to! there could be no other reason!"
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