[Terretta]

The last article was off in interesting way (see the community bank commenter), this is more off.

I suppose they are written as if broadly true and without caveats, but in practice are drawn from relatively specific types of experiences that are not reflective of the whole.

In this article, I’d say most aren’t sited like this. Might appear like this, but this was not the algo. In the prior article, it’s possible a large set of small or regionals thought like that, but most megas do not, albeit with various ways of differing.

Good reads though, always well written and enjoyable. Just keep a YMMV in mind.