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Comment Re: Well you see, the difference here (Score 1) 58

It's actually very possible as a price. The most logical way to build a chatbot on a budget is to start with one of the open source training models, then add your own training building on top of it. There are some problems with this approach, but it also is an approach that works, and will get you there at a lower price.

Comment Re:Credit scores are not what you think they are (Score 4, Informative) 105

Basing a person's credit score on credit usage rather than payment history is part of the system's bullshit.

Sort of, but lenders aren't looking for people who have good financial sense.

Lenders are looking for people who will borrow a lot of money, then continue paying on that loan. Which is not the same thing as having financial sense.

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