The machine-learning model prices better than the old ones, no question. But a regulator asked me to explain why it flagged a certain group as higher risk, and I couldn't fully walk them through it. I signed off on numbers I can't entirely account for, and that sat heavy with me all week.
More people experience this than they realize.
You rely on models you can't fully explain, and someone will ask you to.
If this sounds familiar, the Library can help you find the bigger picture.