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" ... At the end of the day there is no such thing as a risk-free loan, or, in the classic expression of all bond traders, "There is no interest rate too high for too high a risk." It is the obligation of all banks to manage, not avoid, risk based on both substitutive and quantitative analysis founded on impartial risk management standards. That is the only criteria they can have. The recent proposed rulemaking by the U.S. Comptroller of the Currency is an essential first step in keeping personal political viewpoints out of polluting fiduciary duty. ... "
" ... It’s not difficult, however, to envision a future in which digital biomarkers become more substitutive than complementary. Digital biomarkers are in their infancy, sitting at a nexus of technological convergence between the worlds of consumer technology, artificial intelligence and healthcare. Just as smartphones, supercomputers and self-driving cars would have seemed unfathomable fancies to the 20th-century imagination, our future ability to measure disease using digital phenotypes is likely beyond current comprehension. ... "