The term you're looking for is "regulatory capture."

1. I don't think you understand the definition of Agnosticism.

2. Define God(s)

Hard Drive is a satirical site like The Onion but focused on technology.

AKA: https://en.wikipedia.org/wiki/Goodhart%27s_law

Not too be too pedantic but this is the full, accurate quote from Prejudices: Second Series, "Explanations exist; they have existed for all time; there is always a well-known solution to every human problem—neat, plausible, and wrong."

The current loan gets rolled into the next loan and becomes a revolving door of credit. As long as you don't spend faster than the assets appreciate you'll always end up ahead.

Age discrimination in the US only applies if you're discriminating against them for being over 40. This doesn't apply here since they're being rejected for their birthday and not their age.

You can't discriminate against someone for being older than 40. Being under 40 or having 4/20 as your birthday aren't protected groups.

You have to leave room for Oracle.

Thanks for this, I'm sending it to my Scrum Master.

It's also possible that there are multiple filters. So this might be A filter and not THE filter.

For further reading on the topic: https://en.m.wikipedia.org/wiki/Anchoring_(cognitive_bias)