Sorta obvious thing that was useful to me to say out loud: it's not usually useful to add features to a model that are highly correlated with existing features, unless they're also highly *uncorrelated* with those features in their availability.
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(Time spent on account application has a very different distribution for consumers selected at random and people who have made a career out of applying for credit at banks, who are depending on the product either highly desirable or plausibly maximally undesirable.)
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