Interesting read, thanks! I’ll finish it later, but already this bit is quite interesting:
Without access to gender, the ML algorithm over-predicts women to default compared to their true default rate, while the rate for men is accurate. Adding gender to the ML algorithm corrects for this and the gap in prediction accuracy for men and women who default diminishes.
Wait, isn’t it the other way around? You should arrive in NY earlier than you left London, since NY is 5 hours behind London. So if you leave at 8:30 and arrive 1.5 hours later, it should only be 5AM when you arrive.
You might need a third breakfast before your elevenses in that case.