use formula to predict is better than experts manual work, more low efficient, more better anybody creates a simple formula to grade the financial product.
Kahneman said wemen has better performance than man in investment..because man more tend to do things follow their useless thought.. .so it is time to shift the task now..
Q: Macro test vs micro test a.k.a the coverage for the whole product like V model coverage v.s specific bug hunting A: Test as wide as possible is more preferable than test as deep as possible, which have higher return of invest. Test deep is good to when there are resource.