Hello, Welcome to Known Unknowns; it could be the only newsletter that believes people are rational and make good decisions—provided the data is presented to them in the right way. Personal finance gets political Maybe I’m a cock-eyed optimist, but I do believe that most people are capable of making good financial decisions—even risky decisions. Risk and financial science are relatively new, and so is the algorithm used to calculate credit scores. It is not shocking our minds don’t naturally understand this stuff, but that doesn’t mean we can’t learn if we are taught how (